Human Communication Process in the Small Group Context Essay

Question #5 How would you rewrite some of Lam’s comments to show how he could have paraphrased what Kelli, Ryan, and Tamika said? â€Å"Tyler has been late to meetings, because he has been caring for his sick parents. Because he his late and missing meetings, we are missing his part of our assignment. Let’s just go ahead and get started and try to finish tonight. If we need another meeting, we can meet at my place to give us more room, instead of meeting in this old stuffy room.† It’s good to paraphrase because, it lets to previous speaker know if you understood what was said. If incorrect, the message can then be delivered in another way, so that the listener understands the message the speaker it trying to make (Galanes & Adams, 2010). This allows for effective communication. Question #6 Which of the eight major categories of nonverbal behaviors are most relevant to this study group? Several of the eight major categories of nonverbal behaviors are expressed in this study group. First of all space and seating play a part because, the group was sitting in a circle, and when Tamika pulled away from the table, it showed that she was upset about Tyler not being present; demonstrating â€Å"kinesics.† In addition, Tamika was using â€Å"time cues† by complaining that Tyler was late and that 20 minutes had gone by. When Kelli began to pack up her things, her movements expressed that she too was unhappy about the situation. â€Å"Paralanguage† was used when the pitch of Tamika’s voice changed as she asked the question â€Å"Man, what time is it.† It is evident that there was no â€Å"transactional process† within the group as a whole. Tamika and Kelli were expressing how they felt about Tyler on being present at the meetings. They were clearly sending a â€Å"message† throughout the group. As Ryan was demonstrating â€Å"paraphrase† by reminding the group the everyone knew that Tyler’s parents was sick and Lam â€Å"action-oriented listening† turned everyone’s attention back to the task of completing the project. It is clear that there was plenty of â€Å"nonverbal behavior† with this group. Nonverbal behaviors can be interpreted by other in ways not intended. Our text states â€Å"nonverbal behaviors can contradict verbal behaviors (Galanes & Adams, 2010).† As we speak to another person or a group, our tone of voice and body language are also speaking for us. It’s important to be aware, so that our actions aren’t taking away from what we are trying to speak. By observing nonverbal ques, we are able to recognize if what we are saying is being taken serious, upsetting someone, confusing or if people are in agreement. Question #7 How might computer-mediated communication been used by our student group? What precautions might they take should they choose to use it to compensate for absences from meetings? Computer mediated communication could have been used in the form of video conference where every member can see and hear their team member, or a chat room where all team members can post their work and respond to other members work. They could attach their assigned work to an email and forward the work to all the members of the group; this would have eliminated Tyler missing meets and Tamika being in that stuffy room. The first precaution is making sure each member has a computer or access to one. If the group is going to use the video conference, then the group need to make sure everyone has the proper equipment and software to participate in the group project. Once the group establishes everyone has a computer or access, they need to understand how to upload their work if they decide to use the chat room as a communication channel. Question #8 Given your understanding of communication principals, including nonverbal messages, what advice would you give to this student group? The group in chapter two should have, communicated differently. Communication is the key to an effective group. You must communicate with your fellow team members, be open about what you are feeling so that way tension does not build and explode making thing much worse than they have to be. Lam could have paraphrased the group feeling when he took control, and decided to start. If lam would have paraphrased, it would have let the other member’s know that he was listening to their concerns. The group should be more mindful of their nonverbal behavior. Lam did do a great job displaying â€Å"action-oriented† listening and getting the team back on track. As a group they should have focused on a solution to get Tyler’s part of the assignment, since they know his pattern with the group. Email and video conferencing are a couple of solutions. References Galanes, G. J., & Adams, K. (2010). Human Communication Process in the Small Group Context. In Effective Group Discussion (pp. 22-47, Chapter 2, pgs. 39 – 46, Chapter 3). New York, NY: McGraw-Hill.

Filipino Cry: The Social Issues in OPM Songs Essay

Introduction This paper will attempt to highlight the theme of Original Pilipino Music (OPM) that appeals the public concern of the government. This will feature two selected songs –, Upuan (2009), and Walang Natira (2010) by Gloc9. These songs were selected according to their similarities in terms of the social issues of the Filipino to the government such as poverty, unemployment, corruption and oppression. The paper seeks to prove that these songs have similar theme that Filipino composers integrate in a music/song to convoke the attention of the government officials. Statement of the Problem This paper answers the following questions: 1. What are the images depicted in the lyrics of the songs? 2. What are the social issues of the public depicted in the songs? 3. What are the common theme and its implication to its listener? Objectives Generally, this paper aims to determine the themes of some OPM Songs. Specifically, this aims to: 1. identify the images found in the lyrics of the songs; 2. determine how these images portray social issues of the mass to the government; and 3. discuss the implications of the theme to the listener. Methodology An interpretational analysis of the theme of OPM songs, specifically the songs of Gloc9 that has a cryptic meaning underlies in the lyrics of the songs. Enabling to identify the images within it that helps to completely understand the theme of the song. This will also use marxism as a framework of the study. References Online Sources http://www.johndanielcastillo.myotd.com/Blog.php/46 http://glocdash9.com/about/ http://www.gmanetwork.com/news/story/216918/lifestyle/people/gloc-9-a-pinoy-rapper-and-his-painful-truths

Group Assignment 1

Managerial Statistics (ENMGT 572) Group Assignment You are permitted to use SPSS to solve the following problems unless otherwise stated. Problem 1: Refer to the data file Executive salary. xls. This files shows annual salary of CEOs for various companies and industries. The random variable of interest for this exercise is Sum97. This is the CEO’s annual salary plus bonuses for the year 1997 (referred to as salary here-in).The purpose of this exercise is to determine if there is a significant difference between mean salaries of executives for various industries. There are 8 industries in this data file. Answer the following questions, assume = . 05 level for all tests. a. Briefly explain (in one or two sentences) what type of test approach you would use to determine if there is a difference in the mean salaries among all industries. Also, how would you set up the null and alternate hypothesis? b. Conduct a test to determine if the mean salaries among all industries are equival ent.Also, if there is a difference briefly explain or identify the variables or categories (treatment) that contribute to this difference (You may use Tukey’s Procedure for answering this part) c. Conduct a test to determine if there exist a difference in the mean executive salary for the following groups of industries: I. Industrial and Basic Materials II. Industrial and Technology III. Basic Materials and Technology Before conducting the test above, perform a test on equivalent population variances for each pair of company type.In a brief paragraph, comment of the conclusions of the test results. d. Determine the upper and lower range salary values for each industry at 90% and 95% confidence intervals e. Perform a test of normality (Chi-Square evaluation) on the data for each of the three industries in part c and comment on your findings. First produce a histogram with about 5 categories for this test and perform the test using a Chi-Squared approach. Problem 2: Refer to fi le â€Å"Heating_Bill. xls,† which provides heating bills on a sample of residential homes for the month of February.The file categorizes the data by the type of home (single level or two story) and heating source (natural gas, electric and oil). Conduct a test at the =. 05 level to answer the following questions: a. Is there evidence to suggest that the type of heating source used impacts the monthly heating bill? b. Is there evidence to suggest that the type of home (single or two story) impacts the monthly heating bill? c. Is there evidence to suggest that the interaction between these two categories (type of home or heating source) impacts the monthly heating bill?

Multistate Restraints on Taxing Jurisdiction Essay

Multistate Restraints on Taxing Jurisdiction - Essay Example The nexus should deal with each branch individually according to the income generated (Rigos 20). The taxation issue will not be of a huge effect because flick has achieved a state of the art technology (Rigos 22). This technology assists it in the faster production of lighters and at a cheaper price than the competitors against it (Rigos 25). The Flink’s geared effort to save income taxes of the state, this effort has led it to contribute all the intellectual properties it owns to a subsidiary (Rigos 32). The taxing agency will consider this hence they will not situate the tax at a high level (Rigos 33). The taxing agency should understand that more sales do not imply that the company is earning more money. The taxation agency should be considerate of the money spent by the company (Rigos 35). The rate of income is quite high hence the company’s output rate is remarkably low this means that the tax payment will be of low impact on the company (Rigos 39). The company’s mode of marketing is immensely powerful hence resulting to a lot of income via the sales made (Rigos 39). The company filling of sales will indicate how the company has been progressing to the taxation agency (Rigos 42). This will make the taxation agency decide what to tax this company thus avoiding over taxation. (Rigos 43) The tax must not be a discriminating element against interstate commerce, and the tax must be relatively fair to the states services provided (Rigos 45). The company got introduced to the internet marketing thus boosting the cigarette lighter sale to a tremendous figure (Rigos 46). The company pays the other advertising companies money based on the tax amount that can be a result from each click through to the companies link (Rigos 48). Because the tax is enforceable exaction and not a contribution which is voluntary, the company should pay the dues so as to assist in the generation of the state’s

Coral Reefs , bleaching Coral reefs, tolearance , affected , different Essay

Coral Reefs , bleaching Coral reefs, tolearance , affected , different kinds which one most affected due to climate changes .. e - Essay Example A coral reef may be made up of a large number of species and several of the universe’s most diverse and dense populations of vertebrate animals. It is unfortunate that extremely minimal residual coral reefs highlight this immaculate situation (Hoegh-Guldberg, 1999). Moreover, on most, fishes and corals are much less plentiful than they were a few years ago. This paper will look at coral reefs and how they are or will be impacted by climate change. Wholesome coral reefs are eclipsed by a number of forms of reef-building corals, which stuff the position of trees in a forest, by developing the actual structure of the reef, supporting numerous animals and plants. Ecologists term trees, corals, and additional organisms, for example, oysters, which develop habitats as base species and understand that their extinction can be disastrous for the ecosystem and the community that surrounds them. In addition, the configuration established by corals over the years gives complicated harbors in which creatures can seek cover from hunters. When corals become extinct, the number of reef fish rapidly diminishes, largely because of the lack of sections for fingerlings to exist as they move away from their habitat and inhabit on the reef where they will live for the rest of their lives (Andrefouet, Mumby, McField, Hu, & Muller-Karger, 2002). For instance, the fish species were largely affected by coral loss because of sedimentation run-off and ocean warming from the switch of forest to oil palm farms, in Papua New Guinea. The ocean surface temperatures and the warmer air caused by climate change has an effect on corals and change coral reef populations by changing ocean chemistry and triggering coral bleaching. These effects have an impact on corals and the large numbers of creatures that utilize coral reefs as their habitation. Coral reefs coat a region of approximately 280,000 square kilometers and offer support for a number of species in what can be termed as the seasâ⠂¬â„¢ rainforests. Coral reefs have a number of benefits to the people and environment in several ways. For instance, coral reefs offer protection for shores from the effect of storms and waves; they give benefits to human beings in the form of medicine and food; they offer financial benefits to native societies from tourism (Jones, 2004). Climate change causes bleaching in coral reefs. Bleaching illustrates the deficiency of symbiotic algae by a host or the coral. A large component of the pigment in the regularly bright corals is dependent on the existence of these plant cells. The living tissue of coral reefs is usually translucent without several components. Moreover, bleaching is a common reaction that may be caused either by low or high temperatures, in the laboratory, changes in salinity, intense light, or by additional chemical or physical stresses. Bleaching is the severe condition of natural variation that is present in a large number of coral reefs (Baker, 2001). Extra hum id temperatures caused by climate change strain corals because they are extremely responsive to temperature changes. In situations where water temperatures remain higher than standard for a long period, the elements they are dependent on for several of their nutrition escape their tissue. Without these elements, corals coral reefs lose their color. This is because the elements provide color for the coral reefs. Bleac

Law Essay Example | Topics and Well Written Essays - 1750 words

Law - Essay Example Legal and ethical issues in Solyndra correlate with each other in the company’s daily functioning. To address the problem, they offer a significant framework for the practice of business and for the relationship of the company with the customers. A manufacturing business establishment is an organization in the secondary sector that processes various natural resources to produce a particular product. Several ethical issues come into play in such organizations, which are much more than in other businesses in diverse sectors. The main reason is that manufacturing involves consumptions of natural resources and labor that require numerous ethical decisions for directors and managers to make. There are several key issues to think about when looking at the ethical performance of manufacturers, especially for solar panel, which necessitates handling of toxics substance in manufacture and removal. They also need to consider the aspects of waste management and disposal. Besides, sustain ability of product (energy and carbon footprint payback time), employees’ rights in manufacture supply chains (child labor, too much overtime and overtime pay less than legal minimum, longer working hours, maternity leave, sick and marital leave, pregnancy, marital position and discrimination based on disability, minimum wage and social insurance.) etc are to be considered. The management will also have to take into account the company’s participation in any kind of controversial activities that may be prejudicial to the society where it operates. Ethical and Legal Issues in Solyndra: Since the year 2005, ethical and legal issues in Solyndra, a solar-panel manufacturing company, have been negatively affecting its overall functioning. In the recent times, business environment has become more competitive and challenging. Therefore, business firms must try to overcome the competition and other challenges to increase overall profitability. Solyndra, however, suffered certa in setbacks primarily due to the fact that their manufacturing process remained highly complex, requiring specialized equipment which were expensive. Thus, their production costs have escalated. Besides, the price of traditional solar panels slumped sharply, which entailed a steep fall in the demand for their products. All these negative trends culminated in heavy financial loss to the company, resulting in their bankruptcy. 1) Bankruptcy’ is the one of the main issues that Solyndra faces currently. This problem has both legal and ethical perspectives. The basic ethical problem in bankruptcy in the company is that insolvents have promised to disburse their debts but at the same time they cannot keep their promise at the given time. Solyndra has obtained a large amount of loan even though could not keep up with the falling solar expenses. However, the loan was urgently needed by the company for installing new solar technologies. Thus, they received a loan guarantee of $535 mil lion from US Energy Department for protection against bankruptcy and pleaded for an extension. Solyndra is the first renewable energy business establishment to receive a federal loan in the year 2009. They went bankrupt the previous year and laid off 1100

Field Work Experience Within HR Department Essay

Field Work Experience Within HR Department - Essay Example This essay intends to provide a vivid description of the field work experience obtained in a LNG company (Liquefied Natural Gas) named Liquefied Natural Gas Limited. The researcher of the essay illuminates the different managerial practices in the organization detailing out the individual as well as corporate strategies undertaken by the organization to earn its competitive domain globally. Moreover, the field work also helps in identifying the major areas of discrepancies, which if rectified can help the company gain corporate excellence. The LNG is an Australian company having its headquarters in Perth in Western Australia. The company operates in three sectors namely oil and gas project development, investing in existing oil and gas discoveries and technology development and licensing. Liquefied Natural Gas Limited has a corporate strategy to become the leader in the mid-scale LNG sector. The company also plans to supply fast-track energy related solutions to the gas suppliers and energy users who do not have proper gas supply. The company has been managing its resources quiet well through proper decision making. The managerial approaches have largely been observed to be positive. However, the researcher concluds that human resource management related activities in the company should be monitored much more efficiently. Through the regular training and monitoring of the employees, the company will be able to upgrade the employee knowledge base as well as develop its competitive advantage.

Hui 325 E1 Essay Example | Topics and Well Written Essays - 500 words

Hui 325 E1 - Essay Example The angel kissing Beatrice symbolizes that she is safe, and she would be loved in the world in which she is headed. In the Divine Comedy, Dante spends three nights in his ascent to Purgatory, and has a different dream each night. The dreams foreshadow events that are to take place during his journey. Dante’s three unique dreams, all happen in the early morning hours. Each dream portrays specific happenings and connects events of Dante’s journey. The dreams prepare Dante for events that he is to encounter, and prepare readers for his journey. The first dream is the image of a golden eagle, which appears in Canto IX, just before dawn as Dante sleeps outside the gates of Purgatory. The eagle snatches him and soars upwards. This symbolizes the ascension that Dante and humans need to undergo in order to reach Paradise. The divine characteristics of the eagle are shown. It’s fixed and determined flight path (lines 25-28). To Dante, the eagle’s glory symbolizes the glory of the Roman Empire. The dream also prophesies Dante’s ascension. When he awakens, he realizes that he has been physically moved by Divine Lucy to paradise. Among the three dreams, it is the only one that gives a picture of Dante’s physical appearance. The dream ends and immediately Lucy departs, symbolizing divine transportation that Divine Lucy offers Dante. Dante’s second dream takes place in Canto XIX in the early morning hours. In this dream, Dante encounters a siren. He sees a woman who at first he describes as ugly (lines 8-9). Dante’s powerful gaze converts her into a powerful object of beauty (lines 10-15). The woman sings, captivating Dante’s eyes and sending him into a trance. An angelic woman who alerts Virgil about the trance saves him. This symbolizes that without Virgil, Dante could not have made it through the journey of Purgatory. It also shows free will, depicted by the way Dante had to choose

Cruise Inc., Big Money on The High Seas Essay Example | Topics and Well Written Essays - 1250 words

Cruise Inc., Big Money on The High Seas - Essay Example These portions mainly includes, casino, bar, shopping mall, art auction and the speciality restaurants. After the sales of bookings, these parts of the cruise help NCL to generate the desired amount of revenue. However, the initial revenue generator is the most important part to increase productivity for NCL because if the cruise has on-board passengers then it will acquire the opportunity to sell its services on better prices. NCL does stresses its focus upon the profitability and losses in terms of finance but the productivity of NCL cannot entirely be measured on the basis of its financial profits and losses. The biggest reason for this is risks which are involved in the cruising business in which a single normal challenge like rain or liquor shortage can cost significant losses to NCL. In these regards the productivity which is significantly important for NCL is not entirely measured in terms of total profits made. It incorporates the season, profits and losses, customer response s to service and most importantly the overall sales from each section of the journey. Question 2 The major target population for NCL is the middle economic class. The biggest reason for this is the severe economic crisis which every individual and state is going through. In fulfilling its aim to seek the attention of middle economic class, range of bookings and services packages varies from significantly reasonable and affordable prices to immensely elevated and high prices. Despite of prices, the service package which is provided by NCL to its customers is highly sufficient and captivating for consumers. The service package mainly includes resort, shopping mall, a total of eleven restaurants which varies in several distinct food styles, live entertainment shows of professional standards, along with a casino and a bar. These services are offered to customers while travelling in the cruise. However, the service package of NCL also includes its stop at a town where numerous entertainm ent activities delight all of consumers with specialty food. Lastly, NCL is the only cruise liner which owns a private island for the betterment of its service and for successfully thrives in the industry against its giant competitors. The service package provided by NCL to customers also includes a day at this privately owned island which is entirely designed to elevate the cruising experience of its customers in terms of quality. Question 3 In the steadily growing cruising industry, there are three major competitors which strive to thrive more efficiently into the business of cruising. Among the three well known corporations, fifty percent of the market in the cruising industry is captured under the giant cruising corporation called Carnival Corporation. It is followed by another cruising giant, Royal Caribbean Cruises which is dominating on the rest of thirty percent of cruising market. The remaining twenty percent of industry’s market is owned by NCL that signifies the im portance of competition for NCL to survive in the industry. For NCL, the competitive priorities are entirely based on the expansion of its cruising business by acquiring more customers to consume the services provided by this corporation. To attract consumers is the one of the most important segment because these consumers are the main source of profit for any cruising company. If more consumers will be acquired

Drawing Essay Example for Free

Drawing Essay I believe drawing is the single most important skill for any visual artist to acquire, whether they are a painter, illustrator, graphic designer, or fashion designer. It is simply the act of seeing made visual. When one learns how to draw, what they are really learning is the ability to see more clearly and communicate what they see or can imagine. As such, drawing is a tool for study, and communication even before it is a tool for making art. When you draw a picture, do you draw the character in blocks first or what? I just cant seem to get my characters anatomically right. I saw your booklist on your site. Do you know of any books which teach you to draw the body in blocks? From Christine Lau I dont draw blocks first when drawing a figure. Usually Ill do a very loose, light, scribbly gesture drawing instead. If you want to learn the blocks method, try any of the books by George Bridgeman, Andrew Loomis, or the books by Robert Beverly Hale. (all are listed on my site) Avoid books by Burne Hogarth, (one of my old teachers) as they arent very accurate and can be very misleading. (note: Glenn Vilppus books are also an excellent source!) By far, the best book for anatomy though is the book by Stephen Rogers Peck (also on the site). There is no quick fix for drawing anatomyit just takes a few years of study. Keep it up though, its worth it once you get a handle on it!!! p.s. Also, draw from live nude models as much as possible, thats the best method to learn it. What is the hardest thing to draw? From Everybody! Nothing is really harder or easier to draw in a mechanical sense. If a person can draw one thing, they are perfectly capable of drawing something else with the same degree of accuracy. The problem is in the phrase the same degree of accuracy. If someone says they can draw, for instance, landscapes, but they cant draw people, what they are really saying is, when I draw landscapes, I draw well enough that no one can tell what Ive drawn incorrectly. The reason people, and especially faces, are so difficult to draw is not because they themselves are any harder to draw than a tree. What changes is our tolerance as viewers for any degree of inaccuracy. We are so intimately familiar with faces and their associated nuances, that the slightest deviation appears as a gross misproportion. Because of this, I am constantly demanding my students draw people, and especially self-portraits, because they effectively highlight any weak skill areas that need attention. My students erron eously believe its because Im sadistic. What purpose does drawing have for artists today? From Carole (Shropshire, United Kingdom) I think people often misrepresent drawing as a medium, or group of mediums, rather than an activity. I see drawing as the visual equivalent of language. It is simply the way we communicate ideas visually through a series of marks on a ground. So to rephrase the question, it is a little like asking What purpose does speaking have for people today? For both, the answer I would give is the communication of information. This information can take the form of ideas, thoughts, commentary, entertainment, or just literal facts, but for all of these, drawing is just the mode of transmission. How artfully this is done is another, separate, issue. In the case of artists specifically, it is the fastest and most efficient way to represent an idea visually. Far more immediate than any other way of doing it, a quickly drawn sketch or thumbnail is usually the first look an artist has at how they might execute an idea.

Post-election Economic Implications for South Africa

Post-election Economic Implications for South Africa Jasper Kotze Introduction South-Africa is a country with a difficult past as it is for any developing country. We have had our wars and internal conflict but one of the biggest mistakes we made is still haunting South-Africa today. We never invested enough in our people and when we did it was only in a small portion of the population. This problem was not so apparent at first because of how rich in high value minerals and agricultural land we had this in turn allowed our economy grow at a great pace. While the mining industry in South-African exports is still very large it is at the lowest point it ever was and will only shrink in times to come. Today our government is struggling with this problem as we have a barley educated population heading into and age of growing globalization where a skilled labor force is critical. Depending how fast we develop and improve as a country will intern influence our global standing as a stable economy that the international market will want to invest in. Priorities of resou rce allocations are made by government and is closely watched and monitored by the world. This makes election times a critical point in economical time as the decisions we make as the people and the government will determine the effects on the economy. Education and Unemployment One of the critical parts of the economy is a skilled work force. Education is the starting point for the development of a laborer or an employed person. It is the foundation of the entire economy and links into every aspect of the economy. If you look at the problems that are caused by an uneducated or largely illiterate nation it is staggering to see how many problems South-Africa is facing is linked to education. Education is linked to employment as a requirement, this intern links to the inverse in uneducated to unemployment and long term unemployment leads to greater levels of poverty and poverty leads to crime. But if there is no job there can be no employment even if you are educated. This is where education promotes entrepreneurship and successful entrepreneurs start businesses that employ more people as they grow. One of the big reasons why education will start to play a bigger and bigger role in South-Africa is because the demand for crude metals is dropping. We are moving to into the age of technology that is becoming more and more refined and sophisticated in size. This requires high quality products that intern requires a high quality labor force and the quality of your labor force is determined by their education. Because of the efficiency effect technology has on business there is a huge increase in company capital investment into technology and fewer and fewer physical labor will be required in the future. For example: The cars that we drive are not welded by skilled workers they are welded by automated robots. The Solidarity Research institutes (2011) did a study on the labor market and matriculates. This study was a great source to quantify the scale of the education problem in South-Africa. Currently in South-Africa we have a total population of 50.6 million of that 32.5 million is in working age. Of the 32.5 million of working age only 40.9% are employable, this percentage is also called the absorption rate. Currently average absorption stated by the Organisation for Economic Cooperation and Development (OECD) is at 65%. We are lagging far behind our population is too young and far more people are reaching working age that the amount of people at are retiring. Looking at the effect of the recession our absorption rate fell by 5% from 2008 to 2011 this. The extent of the education problem is also highlighted. Currently of the population older than 19 only 11.2% have tertiary education, 26.2% finished Matric, 37.5% has not finished high school, 18% have not finished primary school and 7% have no education. There has been a steady increase in the levels of education but the big problem is that it is happening too slowly. The biggest reason for this is too many children are dropping out of the education system and eventually adds to the unemployment rate. To show this of the amount of grade 1 students that start only 45.7% make is to matric and of that amount only 29.8% pass the exam. The alarming problem is that government prize themselves with a high matric pass rate but the real figure is much more alarming and a true representation of the situation that our education system finds itself in. Another issue discussed in this study is the quality of your school system and the alarming requirements set for a student to pass The picture painted does look grim but what has the Government done and planned in recent years? Looking at some big news for the education industry on Southfrica.info (2014) the government budgeted for the period of 20142015 20% of the budget for the maintenance and development of education, a total sum of R253-billion. The money will to a large extent be used build new schools. 433 new schools are to be developed in the coming 3 years and this will aid children the more than 9 million in the country side. The government has largely improved on the free school initiative. There has been an increase of 20% of schools that are free from the 40% figure of 2007. This had a big increase of the amount of children that can now attend school with a figure of 5 million in 2007 to 8.8 million in 2014. The government has also launched a school nutrition program that feeds all of these children this helps these children stay healthy and acts as an incentive to keep them in the education system. To improve on the quality of education and increase the total of qualified teachers the government started the Funza Lushaka bursary scheme for students who want to teach in the public schools. The scheme has helped produce 3000 graduates so far that are ready for placement in public schools. For tertiary education 21% of the education budget will be spent on National Student Financial Aid Scheme (NSFAS) (R19 billion) and university subsidies (R21 billion). South-Africa can now be proud of its first university built in democratic times seen on Southfrica.info (2014). This is a huge achievement seeing that the last university that was built Rand Afrikaans University (RAU) , was 46 years ago. One other great initiative from government is the Green Paper for Post-School Education and Training. Explained and summarized Yuven Gounden(2012), the aim of the paper is to help integrate the government development plans and strategies with all tertiary education institutions and address the e ducation backlog. The plan also mentions all the goals and objects set out by the department of education and how government funding will be used to achieve the set goals up to 2030.

Protecting Your Clients: Financial Case Study

Protecting Your Clients: Financial Case Study A recent survey found 40% of adults in the UK, have less than  £500 in savings, and are reliant month to month from their employment.   (MAS).   With savings alone, a family may quickly face issues. In the event of death, severe illness or injury, the inability to meet basic household bills and liabilities such a mortgage, adds worry, anxiety and uncertainty into an already stressful time. There are products available which mitigate these risks, and they fall into three broad categories; Life Assurance, Critical Illness Cover, and Income Protection. This is not an exhaustive list; a wide range of specialist products are available depending on client needs. Whatever a familys financial aspirations, the loss of an income, may cause plans to fail, increasing costs at an inconvenient time, with childcare costs etc. The pyramid below demonstrates the importance of underpinning any financial plan with adequate protection, clearly this is a priority. Throughout this manual, we will explore the needs of a family (in blue); Andrew (27) Amy (24) have their dream home with their daughter, Celeste (4). They have no plans to move, and do not plan on having more children. Andrew is a self-employed sole-trader, an Electrician, with average net profits;  £34,000. During the week Andrew works long hours, but takes weekends off to look after Celeste. Andrews drawings are  £2,800. Amy is an assistant manager in a fashion retailer, she has recently returned to full time hours now that Celeste has started private school. Her salary is  £21,000 per annum. As she has been employed by the company for a number of years, she qualifies for 26 weeks full sick-pay and is enrolled in the group income protection policy which would pay 50% of her salary each month, after a 26-week deferral period. Amys net income is around  £1300. Celestes school fees  £4000 each term, this is likely to remain until 18. Amys store is in a shopping centre, with long opening hours shes able to work flexibly in order to look after Celeste in the evenings. Andrew drops Celeste off in the mornings to a breakfast club at school. They hope Celeste will go to university, where they expect to help with living costs, in line with their existing costs. Their  £130,000 mortgage has 14 years remaining, and costs them  £1100 monthly. They have been able to put some money aside each month and have built up some small savings for emergencies. They have no other debts, and have no existing protection barring Amys employment benefits. They save around  £200 each month, and the remainder of the budget is enjoyed through socialising, entertainment, eating out and treating Celeste. However, recently, Andrews stepfather, in his 50s, who also is an electrician had a heart attack, fortunately he survived, but struggles to do the work he was doing previously. Andrew is concerned at the difficulty his parents have faced in maintaining their lifestyle, and has come to us to discuss protecting his family. He is unsure of what might be right for him, but is happy to spend around  £100 each month, protecting his family. Savings:  £4,200Income:  £4,100 Outgoings:  £3300Disposable budget:  £800 Factors to Discuss and Consider There are a wide range of factors that will impact the necessity, level and term of cover, these include; Dependents This not only applies to the clients own children, but could apply to a spouse, elderly relative or grandchild. The number of dependents, and how long will their need last, i.e. until 18. And whether any expenses, beyond normal upkeep, such as school or university fees would increase needs. Remaining Income In a family where both halves work, the loss of a partner, or their income is likely impact the family income. Often one partner earns a higher salary, losing the breadwinners, income, strains finances. This is equally true if the other partners income was lost. In ensuring a family can maintain their lifestyle, after the loss of a partner or their income, it is important to consider what income is likely to remain, or be available to them afterwards. Benefits A number of state benefits are available to boost the remaining income, or help towards replacing a lost income- i.e. a critical illness prompting payment of personal independence payments or statutory sick pay. These wont replace an income, and critically, the payments, criteria and timescales are set by the government, and arent certain. Employer Benefits Many employers offer employees some protection as part of their employment. Some are dependent on the length of service, or seniority. Including; sick pay, paying full salary for a time, or death in service; usually paying a lump sum- usually a multiple of their salary. Much like government benefits, employer benefits are discretionary. It is also a consideration, that an employee changes employer, with differing benefits. Savings Savings, beyond an emergency fund, are likely to be towards a future need, such as retirement, care, or a large purchase. Currently, savings are unlikely to have any significant growth (Thisismoney.co.uk), if relied upon as income, the funds will exhaust eventually. It would be unwise to rely on savings beyond the short term. Savings can however, reduce the need for an income if they can reduce or eliminate liabilities i.e. credit-cards. Liabilities After considering the needs of the family and dependents, ensuring these are adequately protected, it is important to also consider any liabilities that could then impact the family. These often take the form of debts, but also commitments like school fees. Included here are secured liabilities, such as the home. Often, with the loss of one income, there will be difficulties in sustaining the familys lifestyle, potentially, meeting mortgage costs. Repaying the mortgage is a priority for those seeking life assurance, as it guarantees security of the family home. Life Assurance Life assurance, pays the sum assured, when the insured dies- assuming the policy remains in force. Policies usually take the form; Whole-of-Life, or Term Assurance. Whole-of-Life Covering an individuals entire life, the sum assured is paid, when the policyholder dies. As death is inevitable, the cost is the most expensive. Premiums The premiums are either payable until death, or can be set to last until a certain age or for a limited term. The latter options allow for premiums to be paid up until retirement, yet allow cover to continue. When a limited term of payments is chosen, theyre naturally higher than the alternative. Investment Policies can be arranged with investment elements. This can be Unit-linked, with-profit, non-profit, or universal, potentially combining all three. A non-profit policy provides a fixed sum. With-profit policies allow the insurers underlying investments to generate growth, with bonuses that may increase the sum assured, although inflation beating growth in the long-term, is unlikely. Unit linked policies allow greater growth potential, above inflation, but the underlying capital is risked, jeopardising the sum assured, less risky funds should be a priority. As whole-of-life policies can contain investment elements, some providers offer surrender values, although its unlikely to be suitable as an investment vehicle. Whole-of-Life policies will not be suitable for every client. Care must be taken that there is an ongoing and permanent need, and the sum assured fits this. It may be suitable for a client wishing to protect their family from funeral costs or legal expenses. And can mitigate inheritance tax liability, providing a lump sum to cover the liability due on their assets. Couples can make use of this through a joint life second death policy, since ordinarily, the estate will pass between the couple, and tax only falls due on the second death. Although more appropriate on larger estates where a significant inheritance tax liability arises, compared to those estates that slightly exceed the nil rate bracket, as the ongoing costs of the life assurance may exceed the eventual liability. A whole-of-life policy can also be used to provide an income for dependents. While in later life it is unusual to have child dependents, an income may be required for dependents with life-long care needs. Term Assurance Unlike a whole-of-life policy, term assurance provides cover for a set period, often against a specific protection need, with an expected maturity. Its useful against mortgages, or child dependents, because the time the protection is required for can be estimated. Compared to whole-of-life policies, term assurance is cheaper. As the risk of death is lower over a given timescale, compared to a whole-of-life policy.   Once the policy expires the cover ends, unlike whole-of-life policies, there is no surrender value.   Term assurance can take a number of forms; decreasing, level or increasing term assurance. Decreasing (Family Benefit, Mortgage Protection) Here, the sum assured decreases over time. Its useful against protecting a repayment mortgage. As the term of the mortgage reduces the balance falls, consequently the level of protection needed reduces. This is also useful for dependents, as provision needs decrease over time.   Reductions in the sum assured can be fixed each period, or in line with the interest charged on a mortgage. Decreasing term insurance is also cheaper than other term assurance, as the risk to the provider reduces over time. With a family benefits policy, the benefits are paid as a monthly figure, protecting against the loss of an income until the end of the policy, meaning that the shorter the term remaining, the lower the overall benefit. Gift inter vivos policy This is a special case of decreasing term assurance, protecting against inheritance tax liability from a potentially exempt transfer (PET). In line with the tax liability, the sum assured falls over seven years. Level The sum assured remains constant. It can be useful in order to repay a set liability, i.e. an interest only mortgage, with a constant balance.   They also provide peace of mind to the policyholders family, through the certainty of a lump-sum. It can leave people over protected, paying higher premiums for a need that reduces over time. Increasing- The most expensive form of term assurance. Once arranged, the sum assured, increases over time. At the policies end, the sum assured can be considerably higher than originally. This provides a lump-sum protected against inflation, which over a time, erodes buying. Convertible Renewable- special forms of term assurance, allowing the above policies to be converted into whole-of-life policies, or simply renewed without further underwriting, sometimes allowing the sum assured to increase, in what would be a renewable, increasable term assurance policy. Allowing more flexibility for the insured. Rider Benefits- these are applicable to any of the above policies, they are additional benefits which can be added, or included already. These include; Waiver of Premium, prevents the policy lapsing when the insured is unable to pay premiums through sickness or injury. Terminal illness or total permanent disability cover, providing an accelerated payment when the insured has a very short life expectancy, or is totally disabled, although the criteria for this varies. Accidental death benefit can also be included.   Guaranteed insurability options allow for flexibility within the policy for the sum assured to be increased at key events in the insureds life, without the requirement for additional medical underwriting. All options and additional benefits will increase premiums. Summary Life assurance, ensures that financial needs can be met, often at an affordable cost, regardless of the need, as there are many forms. It does however have restrictions, medical underwriting means that lifestyles increasing the risk of death can impact the cost of the cover, i.e. smoking. While most claims are paid, there are often significant exclusions, including death from; alcohol, drugs, self harm, terrorism, war, or recklessness. If the policyholder is the insured, on their death, the pay-out from these funds will be added back into their estate, where there is potential for an inheritance tax liability. Neither have life assurance, in the event of a death, the remaining family would not be able to maintain their lifestyle. Protecting the mortgage on the family home is a priority. A joint policy allows the home to be protected in the event of either death. As the balance on the mortgage is naturally decreasing as repayments are made, a mortgage protection policy, with an initial sum assured of  £130,000, and term of 14 years would provide the most cost-effective cover. Approximately  £15 monthly. In the event of a death now, the mortgage would be repaid, and the monthly outgoings would fall by around  £1100. However, other costs could increase, childcare may be required, and Celestes education costs would also continue. The approximate cost of her education over the next 17 years will be; 3 Terms x  £4000 x 17=  £204,000. Due to Amys employment, she would need childcare for the weekends and mornings. Andrew would require childcare for weekday evenings. Approximately this is 20 hours a week, and expect she would be mature enough to look after herself for a few hours once in secondary school, aged 12. In addition to term-time childcare there would be around around 16 weeks annually, where fulltime care is needed, 40 hours weekly. Average childcare costs in their area are  £7 hourly. 20 hours x 36 (term-time) x 8 years, 40 hours x 16 (holidays) x 8 years A Total of 10880 hours of childcare would be needed till age 12, at  £7, would cost  £76,160. With a total cost in the region of  £280,160, Its clear itd be difficult for either parent to cover these costs. However, each month, the requirements would reduce. Again, a decreasing term assurance policy would fit their needs, as these are ongoing costs, it would make sense for this policy to be written as a family income benefit policy, providing the average of Celestes care and education costs each month.  £1000 for her education, and  £793 (based on 1360 hours of care each year, divided by 12 months, at  £7 an hour), written on a joint basis over a 17-year term. The approximate cost is  £23 monthly. Income Protection Insurance This provides the insured with an income when, due to; illness, disability or injury, they are unable to work. A provider cannot cancel this policy due to repeated claims, and as long as premiums are maintained, the cover continues. The benefits are paid monthly, and are used to cover normal expenditure. To incentivise the insureds return to work, ensuring claims only last as long as necessary, the level of cover is generally between 50-75% of the insureds salary. Should a condition make it impossible for the insured to return to their work, and instead they return on a lower salary, a proportionate benefit clause found in many policies, allows a portion of the benefit to be paid, to top-up their income. While the cover is permanent, to a normal retirement age, many insurers have a reviewable premium, similar to critical illness cover. To lower premiums, a deferral period, between 4 104 weeks, effectively eliminates short illness, reducing the risk for the insurer. Aligning the deferral period against existing provisions such as an accident, sickness unemployment cover, or employee sick pay further helps reduce premiums. Income protection is important for the self-employed, injury or illness will impact their income earlier. Their deferral period tends to be shorter, as they need the income sooner than someone who receives sick-pay. Amy is fortunate to have employer provided sick-pay and income protection. If she were ill or unable to work, the impact of this would not be felt for 6 months, and then the reduction in her wage by  £650 would allow the family to meet their outgoings, albeit with little left. Andrew, has no protection. If Andrew were unable to work, his income would stop immediately, savings would then be relied upon, the loss of his income means a shortfall of  £2,000 each month (Outgoings;  £3,300, less Amys income of  £1,300). Savings could sustain them for around 2 months (Savings/Shortfall,  £4200/ £2000= 2.1 Months.) Protecting his income with an income protection policy, until his state retirement age of 68, as regardless of his dependents, there will always be household bills (gov.uk), an 8-week deferral, with benefits of  £2100, cost around  £49 monthly, extending the deferral to 52 weeks, reduces costs to around  £33 monthly. (Drewberry Insurance) Intermediate months could be covered by an accident sickness policy, by excluding short illness, Andrew may save money on future premiums on review. Other Protection available There are a wide range of more specialised protection insurance policies available, while they may not offer financial security, they can provide peace of mind. Accident Sickness Unemployment Insurance Offering similar benefits to income protection, with important differences. Its impermanent; the insurer can decline to renew the policy. Benefits are generally provided up to 24-months. Unemployment covers redundancy, and only when the insurer believes that the insured had no foreknowledge, naturally excluding the self-employed. Covering Andrews income using an accident sickness policy here, with a deferral period of 2 months, allowing for their savings would cost them in the region of  £14 monthly (gocompare.com), a small saving compared to the single product. Payment Protection Insurance If the insured is unable to work, through sickness, injury or redundancy, this cover will maintain payments for the liability (credit card, mortgage or loan, etc.) for a period of generally up to 24 months. Health Insurance Dental Plans Private health insurance may provide high quality care, fast diagnosis and short wait times or flexibility for treatment and surgery etc., without the high costs involved in paying for this treatment in a standalone manner. Dental plans are offered in a similar way. There are often exclusions for elective or cosmetic surgeries. Critical Illness Cover Providing a lump sum to the insured on the diagnosis of a critical illness, including but not limited to; most Cancers, Heart Attack, and Stroke. Unlike term assurance, the insured need not die, should they recover, funds wont need to be repaid, as the policy ends on a successful claim. Beyond major conditions, cover can be provided for other conditions; major organ transplant, paralysis, coma, blindness or loss of limbs. Each provider may apply a different definition to a condition. The Association of British Insurers provides definitions as a guide to best practice, which is the minimum definition an ABI insurer can use. For instance; The ABIs blindness definition reads; Permanent and irreversible loss of sight to the extent that even when tested with the use of visual aids, vision is measured at 3/60 or worse in the better eye using a Snellen eye chart. (ABI,2016) LGs definition follows; à ¢Ã¢â€š ¬Ã‚ ¦the use of visual aids, vision is measured at 6/60 or worse in the better. (LG, 2016) Two similar definitions, with LGs definition benefiting the insured, with a less restrictive definition. The cost of more generous cover may be higher than stricter insurers. Compared to term assurance, the cost is much higher, the risk of dying, is far lower than being diagnosed with a critical illness or condition, this extra risk increases costs. Furthermore, a wide range of underwriting factors are used to tailor premiums to the insureds risk. Adverse family history increase costs, and previous diagnosis makes securing cover difficult, or impossible, at best, an exclusion is imposed (LG, 2016). It is expected that all material facts are disclosed, so a full and informed decision is made, withholding a condition can void cover. (Guardian,2013) With any critical condition, family life becomes pandemonium. The insured may be unable to work, travel to and from medical appointments may be necessary, if provided by a partner, they too may be unable to work. Child care may increase, care may be required, alterations may be required, and of course the usual household expenses will still occur. Critical Illness Cover, when considering these requirements can provide peace of mind, by funding medical or care costs, covering liabilities, and providing funds to cover the cost of equipment, adaptations or general improvements to the insureds quality of life with their new condition. Policies can be arranged in numerous ways, a standalone plan, which works similarly to term assurance, paying out on diagnosis on an insured condition. However, it is commonplace that the insured must survive at least 28 days in order for a valid claim. Alternatively, it can be arranged in addition to a term assurance policy with death benefits. In addition to being covered against death, the policy would cover critical illness. This additional cover can either be arranged so that following a critical illness, or death, the cover will cease, so a single payment is only possible, or, a payment can be made against both illness and death. It can be incorporated into an endowment or into a whole-of-life plan as an option in a similar fashion. Like life assurance, the proceeds can be written into trust, this is not usually needed though, if the protection is to cover existing liabilities. However, if the cover is combined with life assurance, potential exists for an inheritance tax liability; if a critical illness is claimed for, the proceeds will go tax free to the insured, if however, a death claim is required, this becomes part of their estate, creating the liability. It is possible to use a split-benefit trust, which will pay the proceeds of the critical illness payment to the policyholder, and the death benefit to the beneficiaries in the trust deed. Critical illness cover premiums are organised similarly to term assurance, with historically fixed payments. Due to advances in medicine and technology, claims have risen with early diagnosis, more providers are now switching to reviewable premiums, which offer stability of fixed payments for a period, before being reviewed, at which point they may rise or fall. Just like term assurance, a similar set of exclusions apply, and medical underwriting may result in additional restrictions or exclusions, and potentially higher costs overall. Cancelling a policy to take out a new policy is generally not recommended, as comparing cover, benefits and restrictions can be difficult or time consuming. Although Andrew Amy are healthy, after recent events they are keen to have some protection that would allow them to deal with an unforeseen critical illness. As you have seen, Amy is well protected through her employment against her income, Andrew would be well covered by the Accident Sickness Policy, and through an income protection policy. However, they are worried about potential adaptations to their home or care costs being needed. The Money Advice Service suggests that 2 hours each day of care would cost in the region of  £11,000 annually. As the mortgage costs a little more than this, a lump sum to cover this, and provide a buffer to allow for some adaptations if necessary, around  £150,000 of cover over 17 years, each. Written as stand-alone policies, means each is protected in the event of a critical illness. Together, the cost of these policies is in the region of  £65 monthly. Andrew Amys monthly protections costs exceed the budget they wanted to spend. Coming to a total of around  £150 monthly. Although the protection would ensure that whatever happens to either of them, they would have financial security until retirement. Full protection is expensive, and unless they are willing to spend the money to cover themselves adequately, they will need to adjust the level of cover they can afford, or prioritise the policies available to them. Business Protection The death or illness of a partner, key person or sole trader can have significant consequences to a business. While these issues can be as wide and varied as the business that have them, the type of cover detailed in this manual can be tailored to provide effective protection. In Conclusion As can be seen, it is important to take a view of the bigger picture, and use a holistic approach in shaping protection around a clients needs. While the hope is that these policies are not used before their time, they provide the firm foundation for clients to achieve their financial aspirations. A Adviser. References ABI Policy Definitions- https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Medical%20underwriting/2011%20Critical%20Illness_SoBP.ashx (2016) Drewberry Insurance, Income Protection https://www.drewberryinsurance.co.uk/income-protection-insurance (2016) Gocompare.com Accident Sickness cover quote system https://income.gocompare.com/income-protection/ (2017) Gov.uk, State Retirement Age https://www.gov.uk/state-pension-age, (2017) The Guardian, Critical illness insurance: The neglected cover that could be crucial https://www.theguardian.com/money/2013/dec/07/critical-illness-insurance-bad-reputation (2013) Legal General Policy Booklet- http://www.legalandgeneral.com/_resources/pdfs/life-cover/mylife/LifeInsurance-with-Critical-illness-Cover-Policy-Booklet.pdf (2016) LG Underwriting Quick Reference Guide, http://www.legalandgeneral.com/library/protection/underwriting-literature/GuidetoUnderwriting.pdf (2010) Money Advice Service, Care Costs https://www.moneyadviceservice.org.uk/en/articles/care-home-or-home-care (2017) Money Advice Service, Press Release. https://www.moneyadviceservice.org.uk/en/corporate/four-out-of-10-adults-are-not-in-control-of-their-finances-new-strategy-launched-to-improve-uks-financial-capability (2015) This is Money.co.uk, What next for savers. http://www.thisismoney.co.uk/money/saving/article-4070642/What-savings-rates-2017-savers-set-misery.html (2017) Introduction to Simple Linear Regression: Article Review Introduction to Simple Linear Regression: Article Review Simple Linear Regression Introduction to simple linear regression: Article review Abstract The use of linear regression is to predict a trend in data, or predict the value of a variable (dependent) from the value of another variable (independent), by fitting a straight line through the data. Dallal (2000), examined how significant the linear regression equation is, how to use it to draw the best fitting line of the scatter plot and how important the best fitting line is. Introduction to simple linear regression: Article review The use of linear regression is to predict a trend in data, or predict the value of a variable (dependent) from the value of another variable (independent), by fitting a straight line through the data. Linear regression represents a connecting link between the independent (carrier) variable and dependent (response) variable, which if graphed on X and Y-coordinates, results in a straight line. Linear regression shows the straight line which thoroughly represents, or predicts, the value of the response variable, given the noted value of the carrier variable (Frey, 2006). This essay aims at reviewing the article introduction to simple linear regression by Dallal (2000). Problem statement Dallal (2000) assumed a relationship between body mass (independent or carrier variable) and muscle strength (dependent or response variable), the more body mass the more muscle strength. However, this relationship is not without exceptions, which is reflected on the scatter plot of a regression model. Therefore, the author posed the question of how to illustrate the straight line, which accurately portrays the data, or predicts the value of the response variable. Research purpose statement In the given example, most cases would show a perfect regression. However, standardization of the procedure of putting in a straight line is necessary to provide better communication and common grounds for analysts working on the same data. Further, in the example regression equation given (Strength = -13.971 + 3.016 LBM [Lean Body mass]), one can draw two conclusions; first, a predicted muscle strength equals LBM multiplied by 3.016 minus 13.971. Second, the difference between muscle strength of two individuals is presumably 3.016 multiplied by the difference in their LBM. Research questions Research question 1: Why we need to fit a regression equation into a set of data? It is clear from the previous example there are reasons for fitting a regression equation into a set of data. These are 1) to describe the data, and 2) to predict an independent (response) variable from a dependent (carrier) one. Research question 2: What is the underlying principle of calculating a straight line? If the points signaling data in a scatter plot are close to a line, it means the line represents, matches or gives a good fit of data. If not, then the line with most of the points closer to it that any other is the one that gives good fit of data. Further, If the is used to predict values, these values should close enough to the noted ones, in other words, residuals (observed values – predicted values) should small values. Research question 3: How linear regression (least squares) equation is used to illustrate the best fitting line? The standard used, as the name implies, is the sum of squared residuals (observed – predicted values) is minimal for the best fitting line. This applies to a line fitted to a set of sample data to promote generalization to a population from which this sample was taken. Yet for a population, there is a slightly different linear regression equation. The equation illustrates that an output (dependent) variable on the Y-axis can be predicted from an input (independent) variableson the X-axis after adding a random error (si). Research question 4: Is the sample regression equation an accurate estimate of the population regression equation? There is a reservation for accreditation of this statement, which is directed at the confidence bands in relation to the regression line. They are understood as the standard error of the mean (the standard deviation of the mean of the sampling distribution). Yet with one exception that is the sampling mean of the dependent variables amplifies as it adds distance from the mean. Sources of data Dallal (2000), stated in the second part of his article (linked to the main article) are cross- sectional data. This type of data has the advantages of being used if sampling method are not weighted and-or un-stratified. This method can also be used if the researcher is concerned only with minor or small probabilities. The longitudinal data results in more statistical power, however, in repeated cross-sectional analysis, new subjects added per analysis compensates for the inherent decreased statistical power (Yee and Niemeier, 1996). Data collection strategies and methods A good data collection strategy should have two objectives, namely, having motivated respondents (affected by time consuming, trust in statistics, difficulty of questionnaire, and benefit included). The second objective should be having high quality data, which tailored to sample individuals, sampling method and good instruments of data collection (Statistics Norway, 2007). Methods of data collection are many and selection of a particular method depends on the available resources, reliability, resources of analysis and reporting, besides the skills and knowledge of the analyst. Some of these methods are case studies, behavior observation check lists, attitude, and opinion surveys, questionnaires distributed by mail, e-mail, or phone calls. Other methods of data collection include time series (evaluating one variable over a period of time as a week), and individual or group interviews (The Ohio State University Bulletin Extension, 2005). Conclusions Dallal (2000), inferred that simple linear regression means that we can predict a dependent variable from an independent one, so whenever we need to know from the beginning each time we add information. The regression line is important as it makes the estimation of a dependent variable more accurate and it allows the estimation of a response variable for individuals with values of the carrier variable not included in the data. The author also inferred there are two methods of predicting a variable either from within the range of values of independent variable of the sample given (interpolation) or outside this range (extrapolation). The author recommended the first method as it has the advantage of being safe, yet with concerns as regards the way to demonstrate the linearity of relationship between the two variables. References Dallal, G. (2000). Introduction to simple linear regression. Retrieved January 14, 2008, from http://www.tufts.edu/~gdallal/slr.htm. Frey, B. (2006). Statistics Hacks. Sebastopol, CA: OReilly Media Inc. Statistics Norway (2007). Strategy for data collection. Retrieved 04/07/2008, from http://www.ssb.no/vis/english/about_ssb/strategy/strategy_data_collection.pdf The Ohio State University (2005). Bulletin Extension Step Four: Methods of Data Collection. Retrieved 04/07/2008, from http://www.ohioline.ag.ohio-state.edu Yee J L. and Niemeier D (1996). Advantages and Disadvantages: Longitudinal vs. Repeated Cross-Section Survey-A Discussion Paper. Project Battelle, 94, 16-22. Weberian Model Of Bureaucracy: Criticism Weberian Model Of Bureaucracy: Criticism Bush (2006) defined Educational management as a field of study and practice concerned with the operation of educational organizations. He has also claimed several times that educational management needs to be essentially concerned with the purpose or goals of education since they give the fundamental sense of direction needed for effective management of educational organizations. He concluded that a singular all-inclusive theory of educational management does not simply exist as educational institutions are so diverse and even similar schools and colleges have to deal with completely different problems, which necessitate diverse approaches and solutions (Bush 2006). 2.0 Management, Administration and Leadership. The concept of management often intersects with two parallel terminologies, namely leadership and administration. The difference is mainly regional according to Bush (2006).The term Management is commonly used in Europe, and Africa, where as administration is favored in the United States, Canada, and Australia. On the other hand the term Leadership is much more contemporary and it is of great interest in most developed countries (Bush 2006). However other authors have differentiated these three concepts by claiming that they have opposing definitions. Cuban (1988) has provided a distinction between leadership and management namely leadership is influencing others actions in achieving desirable ends and Managing is maintaining efficiently and effectively current organizational arrangements. He also added that both managing and leading are equally important and he confer no special value to either as they are both needed in different situations and at different times in order for schools to function effectively and meet their goals (Bush 2006). Bolman Deal (1997) also talk about the importance of both leadership and management. He maintained that leading and managing are distinct. The objective perspective of the manager as well as the flashes of vision and commitment-wise leadership provides are what is needed by modern organizations (Bush 2006). Furthermore Dimmock (1999) claimed that school leaders [experience] tensions between competing elements of leadership, management and administration. According to him leadership is the higher order tasks designed to improve staff, student and school performance, where as management is the routine maintenance of present operations and administration is the overarching term, which incorporates both leadership and management. 2.1 Leadership Leadership has been defined by Chemers (1997) as a process of social influence in which one person is able to enlist the aid and support of others in the accomplishment of a common task (Chemers 1997). From this definition we can understand that leadership involves a social influence process in which one individual exerts intentional influence over others to structure activities and relationships in a group or organization. Bass and Stogdill (1990) added that leadership is the process of in ¬Ã¢â‚¬Å¡uencing others to attain common aims. Spillane, Harvelson and Diamond (2004) defined Leadership through another angle. They claimed leadership is not simply a function of what a school principal, or indeed any other individual or group of leaders, knows and does. Rather, it is the activities engaged in by leaders, in interaction with others in particular contexts around specific tasks. Education researchers agreed that effective leadership is a key element to achieve school improvement. According to Harris (2002), research findings from diverse countries and different school contexts have revealed the powerful impact of leadership in securing school development and change. A further important aspect while practicing leadership is the level of power and control which schools and other educational institutions assert/maintain on their in-house management and operations (Bush 2003). However, effective leadership styles in education can be as varied as the large number of schools. Therein lays the difficulty in providing accurate definitions of leadership. Accordingly, Fiddler (1997) pinpoints two main characteristics of leadership: a sense of purpose and confidence is engendered in followers and followers are influenced towards goal achievement. He continued explaining that there are various factors determining the appropriate leadership approach that need to be adopted at any particular point in time, namely : the context and its pre-history; the nature of the followers; the particular issues involved; in addition to the predispositions of the leader (Fiddler 1997). Accordingly different leadership styles may need to be adopted to deal with specific circumstances. Leithwood, Day, Sammons, Harris and Hopkins (2006), as cited by Crum, Sherman and Myran (2010), have summarized four core practices for successful school leadership as follows: (1) Setting directions. (2) Developing people. (3) Redesigning the organization. (4) Managing the instructional (teaching and learning) program. 2.1.1 Leadership theories Scholars have come up with different leadership theories throughout history. It all started with the Great Man theory which implies that leaders are born and is not made (Hoy and Miskel 2004). The idea that leadership is inherited further resulted in the trait approach of leadership. In 1927, Bowden carried out a significant study which associated leadership with personality. Hoy and Miskel (2004) cited the explanation of Bass and Stogdill (1990) concerning this leadership style: Leaders were generally regarded as superior individuals who, because of fortunate inheritance or social circumstance, possessed qualities and abilities that differentiated them from people in general. After a thorough research, Stogdill (1948) concluded that leadership is not gained solely by some inherited traits or characteristics since different situations have great influence on the impact of traits. So he came up with the theory of situational leadership (Hoy and Miskel 2004; Turner, 2005). Hunt and Larson (1977) came up with the behavioral model of leadership which implies that leadership can be taught and learned by way of teaching and observing leadership behaviors (Northhouse 2010). Behavioural theories are centered on the belief that great leaders are made, not born. The focus of this theory is the actions of the leaders, and it is not the qualities or states of the leaders (Hoy and Miskel 2004). Spillane, Harvelson and Diamond (2004), Hemphill and Coons (1950), Kunz and Hoy (1976) and Mouton and Blake (1984) among others investigated on the concept of leadership as a series of behaviors. Their studies resulted in defining various taxonomies of behaviors, including monitoring, consulting, and delegating as Hallinger and Hausman (1993) pointed out. Others like Lewin, White and Lippitt (1939) have identified other styles of behavior, such as autocratic, democratic, and laissez-faire. Mouton and Blake (1964) named their findings on behavioral styles as employee-oriented and directive where as Likert called his as task-oriented and relationship-oriented and he has discussed about the relationship between these behaviors (Spillane et al. 2004). More recently Yukl (2002) developed three fundamental classes of leader behavior and he described them as Task-oriented behaviors, Relations-oriented behaviors and Change-oriented behaviors (Hoy Miskel 2004). In 1964 the contingency theory of leadership was developed by Fiedler (1967). According to him, leaders must complement the situation to his leadership behaviors for greater effectiveness (Spillane et al. 2004). The evolution of leadership theories continued with the transactional and transformational theories in the early eighties and Burns (1978) is often accredited to be the father of these concepts. Transactional theories, concentrate on the role of supervision, organization and group performance. These theories establish leadership on a scheme of rewards and punishments (Hoy and Miskel 2004). Transformational theories of leadership are considered as recent leadership theories and according to Bass (1990), this theory is an expansion of the transactional theory of leadership. Transformational leaders motivate and inspire others by helping the followers to see the importance and good side of the task. These leaders focus on the performance of group members, but they also encourage each individual to meet his or her full potential. Leaders having this style are often highly ethical and have moral standards (Hoy and Miskel, 2004; Turner, 2005) 2.2 Management As Dimmock (1999) has stated, managing means being in charge of the day to day running of the school and it is the maintenance of the system. Dash and Dash (2008) define management as the primary force within any organization which coordinates the activities of its various systems in relation to its objectives. According to them, management can be considered not only as a theory but also as a process. The theory part comprises of the philosophy, Knowledge, art, concept, objectives, functions, principles and practices, models. The process part comprises of human relations, managing physical and financial resources, planning, organizing, decision-making, executing, directing and controlling people in order to meet the objectives set. 3.0 School and Structure The School is a complex open social system. In this system the structure is a key element in transforming inputs into outputs. The structure, also called the bureaucratic expectations, defines our role and responsibilities (Hoy and Miskel 2004). Hoy and Miskel (2004) explained the transformational process of a school using the diagram below: Inputs Outputs Cultural System (Shared Orientations) Transformation Process Political System (Power Relations) Individual System (Cognition and Motivation) Learning Learning Teaching Teaching Environment Structural System (Bureaucratic Expectations) Figure 1Social-systems model for schools They explained the five key elements within the transformational process. Structure is the bureaucratic expectations designed and organised to fulfill organisations goals. The Individual provides energy and capacity to achieve organisations goals and he is viewed in terms of needs, goals, beliefs, understanding of work roles (Hoy and Miskel 2004). Mintzberg (1994) defines the structure of an organization as the sum total of ways in which it divides its labor into distinct tasks and then achieves coordination among them. Hoy and Miskel (2004) have focused on structure since it is considered as the backbone of any organization, which is the framework under which we are all doing the necessary operations. The structure monitors operations at operational level of any organization. Within a structure, we are expected to make the whole machinery work. Structure provides order, cohesion and coherence. All schools do not follow the same structure; some have an enabling or productive structure whereas others have a coercive or hindering structure (Hoy and Miskel 2004). 3.1 Enabling and Coercive bureaucracy Lawsons made a distinction between an enabling and a coercive bureaucracy. According to him, an enabling bureaucracy promotes creative, informal relations among all the employees irrespective of the levels of hierarchy. The more an organization has an enabling bureaucracy, the larger the benefits to workers and clients. In this type of bureaucracy, the workforce is considered to be an asset or a resource on which the leaders capitalize. To this end, the latter encourage and endorse professional norms and standards as they know that the workers want and need their work to be pleasant and significant. Leaders also provide training and supports to the workers to foster expertise and mastery, thus they could be trusted to make good and solid decisions. This kind of proficient and cooperative supervision is regarded as a supportive one for the workers. Moreover, workers participation is also solicited as they are aware that working conditions will determine the workers efficacy, effective ness, and their loyalty. In a coercive bureaucracy, norms and rules are not variable or open to alteration. Such a bureaucracy is considered as mechanistic since the whole organization functions, generally, on automatic pilot where there is a small number of people at the controls. All emphasis is on the respecting the norms and regulations and on the dutiful implementation of the appropriate procedures .Only the people at higher levels of the bureaucracy have a clear picture of the work needing to be performed and its relation to societal expectations and needs. Indeed the main function of the leadership hierarchy such as commissioners, managers, and supervisors is to secure submission from the workers via a strategic system of supervision and sanctions. The workers are expected to perform so as to secure their salaries and benefits which are their only incentives to be effective. Furthermore, in a coercive bureaucracy the workers are not trusted enough to participate in decision making and they are not pro vided with the appropriate expertise to give their superiors, thus the latter conduct close supervision on a daily basis. If the workers are suspected to not following the rules, the supervisory and managerial grip tightens. Consequently coercive bureaucracies become more and more hindering as in a vicious circle, bringing together a deterioration of the organizations climate (Lawson). 3.2 Weberian Model of Bureaucracy and Its Criticism Throughout the ages, many scholars have developed different organizational structures. But among them, the Weberian model of Bureaucracy is the most popular and is the theoretical basis of most contemporary study on structure. This model of bureaucracy was developed in late 1940s by Max Weber and all formal modern organizations, as well as schools, enclose aspects of the Weberian model of bureaucracy. This organizational structure comprises of five characteristics namely the Division of labour and specialization, the impersonal orientation, the hierarchy of authority, the rules and regulations and the career orientation (Hoy and Miskel 2004). Despite being largely utilized, the Weberian model has quite some limitations. Weber describes organisation as a non-living thing which can be easily moulded, but open-social system involves people and cannot be viewed as non-living. Moreover people are not all rational and well structured. Weber is describing an ideal situation, not made up of reality and on the other hand organisation is made up of people and people change, not everybody wants to attain the highest level of efficiency. Hence, there are bound to be major dysfunctions in Weberian model since this bureaucracy is made up of people and not everybody is rational, abiding and cooperative, complient, disciplined. His theory does not deal with internal contradictions of elements in the model (Hoy and Miskel 2004). Concerning the Hierarchy of authority its dysfunctions is about the distortion and blockage in communication. Every level in hierarchy is a potential communication block if subordinates are reluctant to communicate anything that will make look bad in the eye of their superior. The main dysfunctions of rules and regulations is the goal displacement, rules become ends in themselves and administrators focus too much on rules and consequently ignore certain important goals. Moreover rules and regulations can engender legalist attitude. Another critics of rules is that they are either punishment centred or representative (Hoy and Miskel 2004). Career orientation has also dysfunctions. Rapid promotion of high-achievers might produce discontent of loyal, hard working senior employees who are not as productive or creative. The Weberian model of bureaucracy also suffered from Feminist critique such as qualified women do not receive equal treatment or compensation. The feminine side is often suppressed and devalued by bureaucracies. Last, the Weberian model is criticized for having not taken into consideration the informal organization. Informal social exchanges produce differences in social relations and new networks of communication emerge. Informal organisation is not an enemy to be suppressed but rather a useful vehicle for improving efficiency (Hoy and Miskel 2004). 4.0 School Management As stated above, schools are social organizations with set objectives and their human, financial, material and physical resources (Dash and Dash 2008). The one responsible for managing all these resources is the principal or the head-master. Here is a list of his expected duties: find the best and cheapest way to achieve the objectives, careful planning, organization of human resources and materials, using the physical resources in the best way, controlling and monitoring all the different school activities, decision-making and the evaluation of the progress and achievements. In short, school management means the use of people and other resources to accomplish the objectives of the school. Such was the definition of Kutz and Boone (1984), quoted by Dash and Dash (2008). School management is divided into two parts: internal management and external management. Internal management comprises of managing the administrative works and the human, financial and material and physical resources. On the other hand, the external management is the relationship with the community, department and other external stakeholders of the school (Dash and Dash 2008). Decision-making in many schools is also split into different lines of work and the four main domains are the personnel management, the financial resources, the student policies and the curriculum and instruction. School decision-making also consists of other domains such as the development of Infrastructure, maintenance and security (Economic note 2007). 5.0 School Leadership School leadership is to identify, to acquire, to allocate, to co-ordinate, and to make use of the social, material, and cultural assets which are essential for establishing the appropriate environment in which teaching and learning will be possible. Leadership also implies the mobilization of the human resources such as the school personnel and clients so as to spot, handle, and assume the duty of changing instruction. Adding to that, they should harness and mobilize the resources required to sustain the transformation in the teaching and learning process (Spillane 2005). 6.0 Reforms in School Management From the time that schools have been recognized as formal institution, it has known numerous changes in different spheres and it is continuously being subject to change and transformation. Recently both teachers and schools have experienced an unprecedented rate of change having both positive and negative outcomes (Aspinwall 1996). Pedler, Burgoyne and Boydell (1991) define the learning organisation as: an organisation that facilitates the learning of all its members and continuously transforms itself in order to meet its strategic objectives. (Coldwell, Williamson and Cameron 2007). Caldwell (2005) defined Transformation as significant, systematic, sustainable change, securing high level achievements in all settings. 6.1 How to become A Great School? Hopkins (2005) explains how a school can become great and he suggest various strategies, known as the key drivers in order to meet this end. These key drivers are personalised learning, professionalised teaching, networking and innovation and intelligent accountability. He argues that every school a great school is not just a slogan, but an aspiration for the next stage of educational reform, in which each student has the opportunity to reach their potential. Hargreaves (2003) affirmed that school as a learning organization has to motivate teachers and create new professional knowledge. School has got the responsibility to ensure that teachers have got high morale, they are given continuous development, they are provided with the appropriate platform to engage actively in innovation so as things can be done differently. To be a great school requires strategies such as capacity building of and by the key actors, providing access and opportunities and transformation. Capacity development is important and great school will need to have further resources and see how these are being developed (Hopkins 2005). Hopkins (2005) in his explanation on the key drivers, mentioned that the activities should be decentralized and the school should provide greater freedom and authority from the centre to the periphery for the school to work effectively. The re-tooling of school structures will certainly help to keep the strength of the school system (Hopkins 2005). Access to best practice and quality professional development will help to improve performance and achievement. Transfer of best practice is not the easiest; sharing of experience is an important barrier. Alliance is important- should borrow the best practice, modify it and implement it in our own way. The element of flexibility in utilization of best practice is important. Schools as a learning organization have to motivate teachers and create new professional knowledge at the level of the school. This is important in order to help to motivate the teachers keeping a high morale and not to become disgruntled. Professional development should go side by side with leadership development (Hopkins 2005). Senge (1990) defined a learning organization as one à ¢Ã¢â€š ¬Ã‚ ¦where people continually expand their capacity to create the results they truly desire, where new and expansive patterns of thinking are nurtured, where collective aspiration is set free and where people are continually learning how to learn together (Johnston and Caldwell 2001). To make optimum use of its human resources, an organization must make sure that everyone should be prepared to learn at every opportunity. Organizations will only succeed when learning will be seen as a continuous need for each individual. However, the learning organization will not become one by a sudden and remarkable transformation, rather it should proceed by developing gradually each of the five disciplines, namely, systems thinking, personal mastery, mental models, shared vision and team learning (Johnston and Caldwell 2001). Intelligent accountability will only be possible if there is close monitoring of every aspect of school life. Monitoring of performance data is crucial and eventually it leads to the development of a framework for effective, ongoing self-evaluation of the level of the school (Hopkins 2005). 7.0 Decentralization of School Management In the 1980s and 1990s, a new international trend emerged in many developed countries throughout the world, that of decentralization of their education system. It was obvious that large, centralized bureaucracies didnt possessed the necessary qualities to keep pace with the rapidly changing economic realities. According to Levacic (1998) and Raab (2000), the step was to decentralize the decision-making from the central government to the local school level and to share the decision-making among the principal, teachers, parents, community members and students at the school level (Ng and Chan 2008). Accordingly, many schools adopted the school-based reforms, with a goal to upgrade the quality of education, which is expected to sustain the state competitiveness internationally. Ng and Chan (2008) further enumerated various examples of such school-based reforms. These are In the UK, the Educational Reform Acts of 1988 and 1993 introduced the reforms of Local Management of Schools and Grant-maintained Schools. In the USA, there were similar reforms of Site-based Management and School-based Leadership. In Australia, the Schools of the Future and Better Schools were also based on a school-based reform approach. According to School-based Management published by the United Nations Educational, Scienti ¬Ã‚ c and Cultural Organization (UNESCO) (Abu-Duhou 1999), many other examples could be found in Europe, Asian and Latin America countries (Ng and Chan 2008). They further interpreted such a collective shift as a means to enhance the education quality, responding to globalization and to develop the knowledge-based economy. This decentralization archetype is expected to provide greater freedom and responsibility to principals, teachers, students and parents, in domains like the school decision making about budgets, personnel and the curriculum. Such a freedom will enable them to establish more effective learning environments for the students (Ng and Chan 2008). The Economic Note (2007) also examined this particular form of market-based education reform known as decentralization of school management which has become more and more popular during the recent years. Also known as school-based management, the decentralization of school management can be in various modes and has emerged in many forms in different countries. The main argument brought to support decentralization is that principals, teachers and parents are best placed to make decisions about how a schools resources should be organized to meet the needs of students and the wider community (Economic note 2007). 7.1 Criticism of Decentralisation Many advantages have been observed such as an improvement in educational outcomes due to the enhanced management and accountability of schools and examples of that are: an increase in the test scores and a decrease in drop-out rates. Another advantage is a more effective organization as an autonomous school had the strongly influences the overall quality of the school organization (Economic Note 2007). Other prospective benefits from decentralization are an increase in efficiency and innovation in the teaching and learning process of education, a reduction in the educational bureaucracy, schools become more receptive to the needs of the local communities, the accountability is reinforced and an increased commitment with the schools, thus increasing the financial support. Increased self-management for schools is a key element in whichever strategy to provide greater choice in education (Economic note 2007). In World Bank (2007b), the authors provide a comprehensive analysis of case studies in some countries where the process of decentralization of authority to the local-level is in force from the past decades. Among the various strategies brought by Governments around the world for the improvement of financing and delivering of education services and more recently to improve the quality and to increase quantity of enrollment rates, is the decentralization of educational decision-making. Defenders of this strategy argue that such type of decentralization encourages demand and it guarantees that schools now echo priorities and values of the local communities (World Bank 2007b). In conferring the freedom to voice out and the decision-making power to local stakeholders, who is more knowledgeable about the local education systems than the chief policymakers, decentralization can bring greater progress to educational outcomes thus increasing the clients satisfaction (World Bank 2007b). The decentralization of decision-making in education has various definitions and names but it is most commonly known as School-based Management (SBM). However they are all relevant in decentralizing authority from the central government down to school level (World Bank 2007b). 8.0 School-based Management or Self Managing School Caldwell (2005) has observed that the governments of every country aim at transforming their schools. Transformation is only attained when significant, systematic, and sustained change has occurred, thus improving outcomes for every students in whichever settings and contributing socially and economically to a country. One of the strategies invariably proposed to meet this goal is the School-based management. The management of a school is in no way a simple task, the head of school alone will not be able to attend to all these duties. As Dash and Dash (2008) have rightly said School management is a cooperative human endeavour. They further continued by explaining that for an effective school management, teachers, parents, students and even the community members have to cooperate with the head of school even if he is the manager of this human enterprise. Through the literature, we have come across several definitions of school-based management where one complements the other. Some of them are worth noting: The Economic Note (2007) defined School-based management as the systematic decentralization to the school level of authority and responsibility to make decisions on significant matters related to school operations within a centrally determined framework of goals, policies, curriculum, standards, and accountability. In the World Bank (2007b), two main definitions were quoted. First, Caldwell (2005) definition SBM is the decentralization of authority from the central government to the school level. Secondly the definition of Malen, Ogawa and Kranz (1990): School-based management can be viewed conceptually as a formal alteration of governance structures, as a form of decentralization that identi ¬Ã‚ es the individual school as the primary unit of improvement and relies on the redistribution of decision-making authority as the primary means through which improvement might be stimulated and sustained(World Bank 2007b). Bush and Gamage (2001) quoted a definition of school-based management given by Caldwell and Spinks (1988) as a self-managing school as one for which there has been major and steady decentralisation to the school level of authority to make decisions related to the distribution of resources. Decentralization of school management is another way of calling the above mentioned cooperation. Decentralization or school-based management varies from country to country and it can take different shapes (Economic Note 2007). School-based management has many shades of meaning. It has been implemented in different ways and for different reasons and at different rates in different settings, as Caldwell (2005) pointed out. A large number of countries in the world have adopted the school-based management in different forms of self-governance according to their specific context. However each of them revolves around the same central idea that greater autonomy will lead to improved educational outcomes (Bush and Gamage 2001) and that there has been an increase in authority and responsibility at the school level, but within a centrally-determined framework that ensures that a sense of system is sustained (Caldwell 2005). The authority is typically delegated to the governing bodies at school level which consist of representatives of significant stakeholders, at the same time as the delegation of the operational management to the principal. The concept of self-governance is centered on the idea that decision-making concerning groups of individual within the educational system should be in the hand of those within the schools in