Essay Topics For Grade 7

<h1>Essay Topics For Grade 7</h1><p>The decisions of exposition themes for grades 7 are interminable. There are points that you can investigate just as things you ought to keep away from. The theme can likewise decide how high your evaluation is and in this way, the manner in which it will cause you to feel. In the event that you utilize your best judgment and research your point cautiously, you will discover what you have to do well.</p><p></p><p>The principle motivation behind a paper is to get over the perspective of an understudy in an unmistakable way. The motivation behind why a few points are more well known than others is on the grounds that they are important or fascinating. Exposition subjects can be immediate, utilizing pictures, graphs, outlines or sound as models. It can likewise be increasingly aberrant, giving instances of things that understudies may need to know about.</p><p></p><p>When you pick exposi tion points for grades 7, make certain to follow a specific example. Compose a general presentation and afterward build up a subject. Toward the finish of the paper, answer the principle question with an argument.</p><p></p><p>There are numerous approaches to move toward article points for grade 7. You can compose a concise layout or draft a proposition and afterward compose the paper on paper. You can likewise do the two different ways, composing the blueprint first and afterward work through the framework at that point composing the paper.</p><p></p><p>Always have a smart thought of what you need to state, as opposed to what you need to state. Have a meeting to generate new ideas to discover thoughts and take a gander at your point from a wide range of angles.</p><p></p><p>Read books, magazines, papers and different materials on various subjects. Research your theme completely before beginning the composing pr ocess.</p><p></p><p>When you wrap up the paper, ensure that you give the understudies an outline of the primary concern of the paper. This will assist them with bettering comprehend the thoughts you need to express.</p><p></p><p>Knowing the distinctive exposition points for grades 7 encourages your understudies to take advantage of their papers. Furthermore, a high evaluation is a nice sentiment. Begin today.</p>

The Unexplained Mystery Into How to Write Thesis College Essay

The Unexplained Mystery Into How to Write Thesis College Essay Here's What I Know About How to Write Thesis College Essay Now you realize how to compose a school exposition, we have significantly increasingly explicit assets for you to exceed expectations. Our best authors featured some of the principle steps each understudy ought to follow in order to make an incredible school article. Similarly, a lot of understudies feel as they have to expound on a major life occasion or their most great accomplishment. In this manner, a large number of the understudies will focus on verifying they have the proper evaluations to enter a particular school. Writing in school frequently requires the state of persuasionconvincing others that you have an intriguing, sensible perspective regarding the matter you're contemplating. Schools care about the amounts of acknowledgments profoundly, so it may assist with understanding you're a slam dunk. Additionally, remember that numerous people, even instructors, probably won't be acquainted with what schools scan for in an article. The vast majority of the basic school level expositions require at least three sections to the essential body. Maybe you don't know yet, either. You don't have to compose what adds up to an outline of your exercises and achievements that you will list in various pieces of the application. Alright, I Think I Understand How to Write Thesis College Essay, Now Tell Me About How to Write Thesis College Essay! Whenever you must create a planned exposition, you should begin with an edge contingent upon the parts beneath. If paper is only for direction reason and you need to make your own paper with the help of test paper. Your paper needs a generally excellent presentation. Such a paper should be picked appropriately, as you will utilize it like a model. School paper composing might be a difficult undertaking for a few unique reasons. Being in school might be a little battle for a few. Seeing how to compose school papers is fundamental, as it won't simply carry advantages to your composing abilities however it is likewise going to show you the best approach to structure your contemplations. Paper composing administration online supplies you with various author with surveys from some different essayists. From textual style to number of sections inside the body of the content, it does make a difference to comprehend the aspects of your work which will help promise you a generally excellent evaluation. Next, you will decide how to make a captivating exposition that shows off your unique point of view and compose various drafts as an approach to sharpen yo ur structure and language. Additionally, it will flexibly the peruser with a reasonable demeanor toward the subject of your content, for example will make it feasible for you to pass on your thoughts. Composing appropriately is certifiably not a straightforward occupation, and there are a considerable amount of reasons why. Why Almost Everything You've Learned About How to Write Thesis College Essay Is Wrong Fortunately, you can figure out how to create an awesome exposition in the event that it is conceivable to hold fast to the typical example and write in an unmistakable and sorted out technique. The following activity is to experience your considerations and figure out which one is going to bring about the most grounded paper. The diagram is a fundamental advance of article composing. What is Actually Going on with How to Write Thesis College Essay Ensure your school exposition comprises of right references and references. All things considered, presently you need to come back t o that rundown and figure out which expositions you despite everything should compose. These days you recognize what things to expound on in a school paper and are set up to do it! Before you start, you ought to know about exactly what expositions you should compose. What's Truly Going on with How to Write Thesis College Essay When contrasted with different sorts of writing out there, a powerful school structure is recognized by its viability and focus on persuading the perusers of someone's perspective. Obviously, expositions have a significant impact in the school application strategy, as well. Exposition composing administrations might be an invaluable arrangement into a lot of scholastic students. Along these lines, to have the option to help you, here are a couple of convincing school exposition help and thoughts to begin. For example, a why us article may visit about how exceptionally intriguing XYZ interdisciplinary venture is and the manner in which it fits pleasantly with y our senior undertaking. Understudy essayists frequently make the mistake of overlooking the concentration and making the examination postulation awfully expansive to have the option to incorporate things like a lot of research. A proposition is the result of a delayed reasoning methodology. The theme should flexibly a wide review, similar to the outcomes of war on a country's economy. As you've made plans to create the perfect article by looking into what you need to know on postulation articulations, it's imperative to grasp what a proposal proclamation is. A theory makes a specific articulation to the peruser what you'll be endeavoring to contend. How you set the postulation explanation is in like manner significant. It is basic to keep on remembering your proposition explanation as you're composing. Feeling paper might want you to examine and in a bigger degree to help a solitary assessment. The theory should be detailed in a positive technique. A fantastic proposal articulation conveys explicit information and structures the establishment for the paper's contention. As indicated by the Dartmouth Writer's Program, it will make a case, control the whole contention and give structure to your paper. It's conceivable to show an affirmations staff your biography is something they'll need to put resources into and turn out to be a piece of. Seeing how to compose school articles is significant, as it won't only carry advantages to your composing aptitudes. be that as it may, it's likewise liable to show you the most ideal approach to structure your considerations. Presently you own a rundown of potential points, yet presumably no piece of information where to begin. The New Fuss About How to Write Thesis College Essay You may have known about something alluded to as a postulation. In view of the objective, you are going to comprehend what proposal to think about, what composing strategies to utilize, and the best approach to envision investigate in your paper. Sin ce a theory is so pivotal, it's most likely an extraordinary thought to investigate some guidance on the most proficient method to arrange a solid one. These days you have a working theory!

Vital Pieces of Essay Topics for the Outsiders

<h1>Vital Pieces of Essay Topics for the Outsiders </h1> <h2> New Ideas Into Essay Topics for the Outsiders Never Before Revealed </h2> <p>The similitudes were an exceptional locale of the film. The film may have required something else, beside the exhausting normal church scenes. The film is non indisputably the most intricate. be that as it may, it acquires its point over. He is a somewhat powerful character. </p> <h2> The Basics of Essay Topics for the Outsiders That You Can Benefit From Beginning Today </h2> <p>The battle inside this story is the outcome. There was a gigantic variety between them both. By understanding that passing at a young age is just as unreasonable for these, Pony is prepared to endure, however to legitimize his own reality. A legend is someone who has dedicated their life to something more than their own prosperity. </p> <p>For occurrence, the basic actuality that Ponyboy's folks were murdered in an auto accident is out of line. Simply be sure that it is something which you require, not simply something which you want in the concise term. In the event that you're, at that point you've gone to the right area! There may likewise be a clear, it might likewise be among the rest, or. </p> <p>The price tag relies on the size and earnestness. These results are given by shading rating or. All things considered, the size of someone's financial balance is nothing in contrast with the size of someone's heart. On the off chance that you are pondering buying a thing which you will in any case have next schedule year, see pulling out the card however you should be cautious. </p> <h2>Essay Topics for the Outsiders Can Be Fun for Everyone </h2> <p>The Outsiders has every last bit of it. Viciousness can depict numerous various messages through various pieces of writing. It ch aracterizes them, it is the main thing that they know they share for all intents and purpose. For those inexperienced with the story told in The Outsiders, here is a short synopsis. </p> <p>These are only a couple of numerous cases in the book where fellowship plays a significant capacity. I'm a hazard to society. I sincerely accept that the brutality is very unsurprising in the novel. Concerning the plot, savagery assumes an incredible job in the message of the novel that will be expressed later. </p> <h2> What to Expect From Essay Topics for the Outsiders? </h2> <p>The Outsiders examines a wide range of subjects. The grandiose rich young men are known as the socs. These children are known as the socials or socs for short. Cherry volunteers at a close by soup kitchen and sorts out a non-benefit association known as the Sunset Project. </p> <p>There's, unmistakably, a breaking point on the scope of pages even our absolute best authors can deliver with a squeezing cutoff time, however for the most part, we can fulfill all the customers looking for pressing help. Extra bits of knowledge into specialized instruments for ladies i s to investigate what you must have in school. Simply connect with our help directors, in the event that you have a strange activity to do, and we'll clearly discover somebody that will support you. Our resume composing administration can save you bunches of distress and lift your likelihood of finding a generally excellent line of work directly from school. </p> <p>No matter whether you've been gazing out the window or maintaining a strategic distance from the current task by perpetually refreshing your FB page, you should discover writingand quick. In the wake of finding our site, you will no longer should trouble loved ones with these sorts of solicitations. Hinton and what page it's on. In the event that you like it is conceivable to look on the web and discover one which you like. </p> <p>It is encouraged to search for the one which has an incredible notoriety and offers great papers at conservative rates. At the point when you make a resume for the absolute first time, it might set aside you some effort to take care of everything and make your CV appear to be satisfactory. You don't need to be stressed over your own subtleties that might be seen, as we handle the issue on a protected system. There were likewise extremely little subtleties which were unequivocally precisely the same. </p> <h2> The True Meaning of Essay Topics for the Outsiders</h2> <p>If you know the book you'll get the inquiries right! Disclosing how to spend less by utilizing open-source writings and web course reading rental sites would bring about a very instructive article. Should you need all the more composing help, take a gander at these articles about prewriting, writing in third individual, and the best approach to form a splendid opening to your paper. OK, p resently you have the essentials about how to choose an educational article subject, we should delve into some fabulous thoughts! </p> <p>If you don't discover how to start your paper or where to scan for supporting information, we'll be satisfied to support you. References and concentrates from a few sources must be designed appropriately. PaperCoach can help you with every one of your papers, so investigate the occasion! </p>

The Second Step in Writing an Argumentative Essay

<h1>The Second Step in Writing an Argumentative Essay</h1><p>By far the most significant advance recorded as a hard copy a contentious paper is building up the other five stages. The majority of this stage will be spent getting things done to set up the peruser for what they are going to experience in the essay.</p><p></p><p>In a way this progression in the process is what could be compared to the initial step, and it is tied in with opening the peruser's psyche to the conceivable outcomes. I don't get your meaning by that? Think about it in this light: When you come to peruse a contentious article you ought not simply be seeing it as an assortment of realities or a report of facts.</p><p></p><p>The third step is the place your assignment will be to build up the peruser to think. At the end of the day, you should discover his thought process before you start to give your factious exposition. In the event that you need to ensure you have achievement you should build up the peruser's mind.</p><p></p><p>The most straightforward approach to do this is to do a reality keep an eye on a couple of things. You would prefer not to begin with a paper composed with just a single thought, however you likewise would prefer not to fall into the snare of dumping the entirety of your thoughts on him. It is increasingly imperative to simply give him the data to consider. This will offer you the chance to persuade him and build up an extremely ground-breaking topic to your pugnacious essay.</p><p></p><p>Next attempt to acquaint something new with the peruser. A typical mix-up individuals make is to give them the entirety of the data they need. They commit this error since they accept that on the off chance that they don't forget about anything, at that point the peruser won't have the option to comprehend what they are attempting to state. That simply isn't correct an d on the off chance that you let the peruser realize that they will get all that you need to state, at that point he may lose enthusiasm for the factious essay.</p><p></p><p>By demonstrating the peruser some new data you will be giving them some thought of what you're extremely after. Subsequently, in the event that they're a solid doubter, at that point the factious exposition will be more grounded, in light of the fact that the contention is worked around their skepticism.</p><p></p><p>Once you've developed the primary pieces of your pugnacious paper, you will see the constructive outcome you have on the peruser. Remember to apply this to the entirety of your expositions. On the off chance that you set aside the effort to present another thought, in the event that you give him data to consider, and on the off chance that you form his uncertainty into an uncertainty he needs to seek after your pugnacious article, at that point you wil l see incredible success.</p>

Essay Topics on the Scarlet Letter

<h1>Essay Topics on the Scarlet Letter</h1><p>When you are approached to compose a short paper regarding a matter that you are especially enthusiastic about, what would it be advisable for you to do? The most straightforward alternative is to discover some exposition subjects on the red letter, yet in the long-established convention of having the option to talk from a place of power, once in a while this is certifiably not a smart thought. When you have to compose an article on the red letter, ensure you keep your voice low and smart.</p><p></p><p>Your teacher may request that you compose a paper on a subject identified with the red letter, yet what would you be able to do? All things considered, above all else, attempt to abstain from expounding on the letter itself. Indeed, your theme must be identified with the topic of the class, not the red letter. On the off chance that your subject is about the red letter itself, you will probably be i n a difficult situation for damaging the class rules, as it isn't permitted to talk about the letter itself.</p><p></p><p>If you truly need to get into the bare essential of the letter, take a stab at a fun, simple to follow test question: Pick a most loved book, film, melody, or TV appear; put it on a little piece of paper; remain close to it; and just ask yourself: What could this specific book, show, or tune have intended to me? Do something very similar with a most loved café, or even with a darling uncle or companion. Make certain to record your answers so you can take them with you when you are composing your essay.</p><p></p><p>You can likewise attempt this activity with any number of your preferred writers. In the event that you have a most loved artist, possibly you should attempt to envision what the person in question may think about the present youth and our general public. On the off chance that you love fiction, you shou ld direct your concentration toward specific styles or subgenres of fiction. Set aside the effort to examine crafted by Oscar Wilde, Jack Kerouac, and Mark Twain, or evento investigate the present top picks of the artistic group, for example, Salman Rushdie and John Irving.</p><p></p><p>One of the most motivating considerations you can ever have is to think about the red letter in a positive light, if just to help us to remember its legitimate spot in our general public. Expounding on the red letter in a negative light is commensurate to irreverence, so don't let the ground-breaking word show up in your essay.</p><p></p><p>You may likewise need to incorporate a short authentic synopsis of the red letter, alongside your theory proclamation, which is all the material you should remember for your exposition. Keep in mind, this is your own piece, so make certain to write such that will permit you to communicate your contemplations obviousl y and concisely.</p><p></p><p>With the plenitude of free assets accessible on the web, the undertaking of picking a point and figuring out how to compose on the subject can appear to be an overwhelming assignment. Be that as it may, don't stress: there are a lot of these points out there, and the vast majority of them will permit you to keep your composing straightforward, with practically zero research required.</p><p></p><p>The best article subjects on the red letter are those that include a unique contort on the topic. Such a subject might be ideal for an exposition on the job of innovation in our general public. Then again, a piece about the wedding business in America probably won't appear as uncommon as a piece about the connection between the red letter and present day craftsmanship, however of course, who knows, perhaps a tad of both could end up being exactly what the specialist ordered?</p>

5 Steps For Researching Essay Topics

5 Steps For Researching Essay TopicsThe first step to developing your literary masterpiece, a hostel life essay topic is that you must have a big idea. So if you want to write a life-changing essay, then make sure that you already have an idea of what you wish to talk about.Now when it comes to picking a good topic for your essay, there are many factors you need to take into consideration. What could possibly be the most relevant question or topic? You will find many useful tips in this article.First, decide on the topic you would like to write about. There are so many life topic ideas that you can choose from. It can be a personal topic that you want to talk about with a close friend. You can choose a topic that interests you and then become a life expert on a particular topic.Second, you can also try to find one idea that you really like and write about it. Write a blog post on your blog or you can even put a short story online. However, do not be too ambitious, as this will lead t o little success.Third, there are many blogs and other places where you can write about your life. Try to select a topic related to your own life. You can also consult a certain guide or book that can help you come up with the topic for your essay.Next, you should brainstorm your big idea and write about it. You may already have a piece of paper and pen that you can use. However, if you prefer to write on a computer, you can use the computer's search function to look for ideas or ask someone for advice.Fourth, remember that the essay topic should be something that can be discussed easily and succinctly. However, if you are faced with a deadline, you can still choose something that is meaningful and interesting but there are better topics to choose.Fifth, your essay topic should be something that you feel comfortable talking about. If you are asked for the topic, then choose something that you are comfortable with and that you think people will enjoy reading about. Now you know how t o research topics for your essay.

Cayuga Community College Application Essay Ideas

<h1> Cayuga Community College Application Essay Ideas</h1> <h2>Ruthless Cayuga Community College Application Essay Strategies Exploited </h2> <p>You state that you're endeavoring to make us more secure yet we're a little geeky, so we're huge on realities and here is one which you probably won't know. I trust I'm deciding on a dusk 'til dawn affair this year. I was conceived weeks after the fact with only an absolute first name. You must be very forceful and not be terrified to turn out to be wicked in a scholarly battle. </p> <p>It is essential to create virtual universes to such an extent that it doesn't form into a celebrated talk room. I know a lot of individuals have negative thoughts and perspectives on it and I'm not sure why, it's what you make it. Inside my feeling, it's not constantly about picking work in which a man or lady can make a lot of cash, however settling on a field that is pleasant, while being able to procure a comfortable pay in transit. Exceptionally talented people are by and by in the joblessness pool. </p> <h2>Vital Pieces of Cayuga Community College Application Essay </h2> <p>Brighton Campus is among the couple of school grounds that is about totally encased. Suny Empire offers undeniably more moderate training rates than a wide range of schools out there. There are a great deal of reasons why I've considered Suny Empire State College as a decision to proceed with my training. This Berkeley program is proposed to be finished in a half year. </p& gt; <p>Should you ever should take another semester of classes to finish you degree you shouldn't have to pay for a total scholastic year. K-12 may give additional school courses. Presently, lets not overlook it's a junior college so you are probably going to have individuals who take the transport in to spend time with their companions the entire day and aren't taken a crack at one class, yet should you really take classes here you'll comprehend that huge numbers of the educators are phenomenal and you can get generally excellent instruction here. The understudies don't have to get some other books, recordings, and so on to hold fast to the class. </p> <p>The average cost of a college reading material has increased at multiple times the pace of expansion over the past ten decades, presently costing the common understudy $1,300 every year. The cost of course readings shouldn't be a considerable issue to us, however it is. Be that as it may, advanced course books are her e and there not the most modest decision. Costly course readings influence more than just the most significant thing. </p> <p>The zone of this situation isn't in every case promptly clear in light of the fact that less understudies are spending for these books through and through. All things considered, understudies may recuperate some of course book uses by exchanging books at the finish of the semester. At suny Empire, the understudy has a wide scope of study decisions that are engaging. A pathway into the inside class. </p> <p>My ability to discover humor is what causes me overcome some of the harder occasions, Camp clarified. There's so much stuff we should be worried about in school, states Tower. What's more, it's a troublesome story to tell. Examine white benefit. </p> <h2> The Cayuga Community College Application Essay Game </h2> <p>Paralegals ought not gracefully lawful administrations directly to the overall population, with the exception of the couple of occurrences permitted by law. We know that in the ensuing five decades, 66% of all occupations will require some sort of advanced education. Workforce preparing will have the option to push you to genuinely feel certain your representatives will perform well once you start another division or acquire new gear or innovation. </p> <p>Here, we'd love to share key takeaways from utilizing this roadshow. There are 2000-3000 empty work in cybersecurity. Apprenticeships and preparing programs are a decent passage point into different gifted exchange callings. </p> <p>Council individuals additionally saw that the open transportation process can't bolster the nearby economy in Syracuse, and that it's a boundary to work for network individuals without access to a vehicle. OCC authority and Syracuse workforce development experts underscored the interest for additional projects that demystify work and gracefully delicate aptitudes preparing, especially for understudies, who don't have earlier information in proficient situations. There are a great deal of preparing projects and restrictive certifications to gain a stage up in these businesses. Competitors who partake in sports with a fixation on leanness or low weight, including aerobatic, face a more serious risk of building up a dietary problem. </p>

Essay Samples For Grade 9

<h1>Essay Samples For Grade 9</h1><p>When looking for exposition tests for grades 9, there are a few inquiries that you may have. You will be stunned at the measure of decisions accessible to you. The prerequisites of an evaluation will be fairly extraordinary, yet they can be the equivalent as a rule. Everything relies upon what the article is for and how it will be used.</p><p></p><p>There are a few sorts of exposition tests for grade 9. They incorporate recorded article tests, enticing exposition tests, inquire about paper tests, postulation tests, autonomous research paper tests, proposition for degree models, definition exposition tests, note taking example, and most different sorts. A portion of these examples are fundamentally the same as, however some require a practically one of a kind methodology. Each is suitable for the requirements of an understudy, yet there is something for everyone.</p><p></p><p>If you are composing a particular article for grades 9, you should recognize what the theme is before you start composing. An assortment of points might be accessible to you contingent upon what your own advantages and foundation are. The instructors or guardians ought to have the option to bring up your inclinations with the goal that you can take a shot at them during the semester.</p><p></p><p>Because paper tests for grades 9 are more various than the earlier years, you should ensure that you don't get exhausted. This is a decent time to split away from the daily practice and investigate new things. You will likewise find that it is a decent time to expound on a portion of the things that are irritating you or have been alarming you during the past. As you experience the article, you will start to perceive how well your thoughts flow.</p><p></p><p>When your thoughts are unsatisfactory, you will have the option to give various clarification s to different reasons. This will assist you with pushing ahead and keep the procedure moving. Nonetheless, in the event that you can't assemble a detailed article all alone, the best exhortation that you can offer is to attempt to get some assistance. Try not to stress in the event that you don't have any cash for mentoring or individual educational cost, on the grounds that there are assets accessible for each student.</p><p></p><p>If you feel just as you are experiencing difficulty making sense of which paper tests for grades 9 you will be generally alright with, you ought to consider what you definitely think about composition. Regardless of whether you as of now have a solid jargon and can communicate in a reasonable way, or you are experiencing issues concocting various approaches to communicate, there are a lot of assets accessible for you. Try not to stress that your school doesn't offer coaching. Indeed, even the littler, private, or free schools may offer some sort of help for your grades.</p><p></p><p>These expositions tests for grades 9 are frequently the main time that you will feel just as you are completely drenched in the realm of scholastics. More often than not, understudies will just feel along these lines in the wake of having an incredible year in school. This is likewise when they begin to peruse everything that they can get their hands on, and the data they are given can be overpowering. Subsequently, it is imperative that you exploit this and use it as an opportunity to make sense of what you like and aversion about the method for life.</p><p></p><p>The expositions tests for grades 9 can take a variety of structures, and they can go from the exceptionally easy to the extremely mind boggling. Notwithstanding, you will need to pick the one that will be the most proper for you. Try not to stress on the off chance that you don't comprehend everything that is being said. Simply recall that you are the one composing the article, and you will find the solutions that you need from the focuses that you are willing to find.</p>

Abraham Lincoln Research Paper Outline - Top Tips For Creating An Effective Outline

Abraham Lincoln Research Paper Outline - Top Tips For Creating An Effective OutlineIf you are considering submitting an Abraham Lincoln Research Paper to a potential graduate school, chances are you will have already researched the institution you are considering and will already know the coursework requirements and anticipated workload. In this instance, it is most likely that you will be advised to create an outline of your dissertation. This can be a great time to be creative and to break free from typical writing guidelines.It is probably a good idea to create an outline to coincide with a professional thesis project. By following all of the rules associated with the academic writing process, the completion of a professional research paper will be more likely to be less stressful and to yield positive results for you. Below are some helpful tips on how to write an outline for your Lincoln Research Paper.One, begin by understanding the format of a research paper. This includes not ing when you should break up the main body of your paper with a paragraph devoted to describing your research. With regard to Lincoln, it may be in the middle of the article to summarize Lincoln's rise to prominence as President of the United States. Again, this is when you are given a free hand and encouraged to use your own words in order to provide readers with an accurate synopsis of your dissertation. You can break up the main body of your paper by utilizing the first paragraph of your introduction paragraph as the second paragraph of your conclusion.Two, include the author's name, affiliation and a brief synopsis of the topic. The term 'summary' refers to a concise description of your dissertation topic so that you are clear about what your topic consists of. Be sure to include a bibliography section at the end of your outline, which details where you obtained your sources for your information. You will want to include your author's affiliations in your author resource section .Three, keep your research paper organized and easily accessible. It is often best to include a list of the document titles in alphabetical order so that the reader does not need to search through several pages of your paper to find the specific section that they need. Use a different method for outlining each chapter, which will give you time to look for the topics that you have come across.Also, be sure to include keywords in the document titles in order to ensure that your dissertation is properly indexed. Your dissertation is considered 'standard' when it is reviewed by one or more professional reviewing committees. Also, search engines (Google, for example) consider a well-organized research paper as one that includes many relevant keywords.Another way to organize your document is to prepare a list of the documents you intend to include in the introduction and the conclusion. Include the bibliography of your sources in this list. In addition, make sure to also include citations to other publications you will need to reference in the body of your paper, in particular short bibliographies.By following these simple tips, you can ensure that your Abraham Lincoln Research Paper is a quality, professionally written document. If you apply these tips, your dissertation will likely garner the attention of your reviewing committee and the faculty who will be reading your dissertation for the first time.

Using the Advanced Document Writing Software to Provide Powerful Narrative Essay Samples in PDF Format

Using the Advanced Document Writing Software to Provide Powerful Narrative Essay Samples in PDF FormatWith all the popularity of the online publication Think and Grow Rich, more readers are taking advantage of the advanced and easy to access information they provide through their articles. This influx of readers, which previously might have been overlooked, is now resulting in article marketing for their websites, which make them appear to be a real resource, whereas before they were more like fly by night 'gurus' or just an interesting source of information. The article marketing that you must learn and implement is to use the advanced article writing software on your site to provide you with some 10+ beneficial narrative essay samples in PDF format that you can either put on your website as freebies or use for your printed materials.These are amazing, well thought out and extremely helpful 'narrative essays' that will provide you with all the basic information you need about a subj ect matter and make you look like a pro. You don't have to take them all down because if you give them away, you won't sell any books, and that's just not in the book business, right? I'm going to explain how to do it and show you how to write the most effective ones possible.First you need to pick out a topic for your first ten or so articles on that article directory you use to market your website. Pick a subject that has potential and interest for the reader and gives them something to think about. There are many different topic categories available and there are very simple questions that will allow you to do a good job of marketing and selling it. You will also be able to customize each topic with plenty of information about it so that you can focus on the more attractive parts of it so you can increase your marketability.Another good option is to buy a template that has questions and answers on the same topic or keyword that you are writing about. For example, if you want to s ell building rapport with family members, then find a template that has article topics on communicating with family members. Create a second or third paragraph with subheadings about the relationship you want to build between you and your clients, your best client relations tips, and family issues that you feel will be beneficial for the relationship.Your goal here is to establish yourself as an expert on your subject matter. By providing valuable information to your reader, which is relevant to the title and subheadings you have given them, you will increase the perceived value of your information. Not only does this help you make a sale, but also leads them back to your website because of the credibility you are displaying. You want to get the trust of the reader before they are even reading your main content.In order to do this effectively, you will want to include a link in the resource box to your e-book. Make sure it's something that will go directly to your website because th at will provide you with the benefit of SEO. If your readers to visit your website, they will see your product in a way that is way more compelling than clicking on another link. They will feel compelled to visit your website again and get more information, therefore you can make an offer that's way more enticing than just a visit to your website.Now that you know more about the use of the advanced document writing software, remember that the use of the advanced features allow you to create and publish high quality 10+ beneficial narrative essay samples in PDF format. Don't let that website, newspaper, magazine, or article marketing opportunity go to waste by not getting the most out of it!

Statement Of Purpose For Graduate Study - 937 Words

Conrad Damstra Statement of Purpose for Graduate Study Philosophy Doctoral Program at Stanford University I wouldn’t be doing philosophy if I didn’t think it progressed, and that we know now more than we did a century ago. For that reason, I don’t view its history as a story of the clash of defensible but irreconcilable views, from which the most we can expect is a sympathetic understanding of how things looked to the participants. (Scott Soames) For the value of the history of philosophy . . . lies not only in the fact that we can learn from our predecessors how to address in different ways the questions that concern us, but also in the fact that we can learn from them how to ask different questions, or how to ask our questions differently. (Paul Franks) These quotes provide different pictures about the history of philosophy. The notion of progress plays a key role in Soames’ account. 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Large losses in Vinalines, Vinashin, EVN, Vietnam Cement Corporation VICEM, Song Da Corporation, TKV somehow make it easier for the Vietnamese economy sinking into stagnation condition than ever before. Global economic slowdown led to foreign investment flows into Vietnam show signs of decline. Attract foreign investment from the beginning of 2012 to 04/20/2012 only 68. 5% compared to the same period last year, which is down 0. 3% compared to the same period last year. Trinh Thanh Hoan, Director of Insurance Management and Supervision Department of Finance, commented that: the financial crisis affecting the insurance industry in Vietnam, but not heavy. Vietnams insurance industry is one of the few lucky industries has overcome the crisis. Revenue growth rate of the insurance industry first 6 months of 2012 has reached a relative situation, though not as high as in 2011. Original insurance exploitation activities increased by 11% compared to the same period in 2011, of which 13. 5% non-life sector, life insurance increased by 8. %. In this context, the Prudential with revenue of VND 2,182 billion, accounting for 39. 69% of the market array of life insurance market in Vietnam is facing great opportunities to promote their competitiveness The study of the financial situation in 2011 by Prudential in conjunction with specifying the challenges they are facing in 2012 through which creating a premise to promote the Vietnamese insurance market in general and the Prudential Vietnam in particular to develop at a stable and healthy way is the reason why this topic was chosen. Title: â€Å"How was the financial situation of Prudential Vietnam in 2011, its problems in 2011 and its challenges in 2012† Object of this project is to study the financial situation in 2011 of Prudential Viet Nam in which the writer focused on the analysis of sales along with the challenges that they are facing in 2012, which is the main factor determining the competitive position of the company The range of research topics: In term of spatial: The insurance company in Vietnam, especially Prudential In term of time: Empirical research in the period 2011-2012 Research objectives of the project are presented in three main aspects, namely: Develop practical scientific arguments about the challenges that Prudential are facing in 2012 as an important strategy in business development issues of Prudential Analysis of the financial situation of Prudential Vietnam in the 12-month period of 2011 The layout of the contents of the subject consists of three parts: Chapter 1: Historical development and organizational structure of Prudential Vietnam. Chapter 2: How Prudential Vietnam did their business in 2011. Chapter 3: Financial Situation of Prudential Vietnam in 2011 compared to 2010, its problems in 2011 and its challenges in 2012. In term of finishing this project, because of limitation in knowledge about finance and insurance field and the lack of information that we can find both on The Internet and directly from Prudential Vietnam, our report may be confined. We would like to show our gratitude to Dr. Gitte Top, who has specially enthusiasm in guiding our group during the process of doing and finalizing this project. We wish you be always happy in your life. METHODOLOGY A. The method used in general is the research â€Å"onion† * Definition : In order to answer how a research should be answered a clear methodology was sought which is referred as research onion. It presents a clear framework for the most suitable methods and strategies to address a research. It promotes the knowledge to answer a research question. After deciding a suitable philosophy other elements are selected from the layers which assist in answering a research. Each element in a different layer is discussed below in order to get an idea why elements were selected while conducting a research * The purpose of research onion The classification of research purpose most often used in the research method literature is threefold one of exploratory, descriptive and explanatory. However, in the same way as our research question can be both descriptive and explanatory, so our project may have more than one price. Indeed, as Robson (2002) point out: â€Å"The purpose of your enquiry may change over time† I. The research paradigms The first layer of the onion is research paradigms. It gives an idea that how we think about the research. Several views about research process dominate the literature, which include positivism, realism, interpretivism and others as well. The knowledge is always judged in different ways and these are different ways you can judge the knowledge. We chose realism because it is a mixture of both the philosophies positivism and interpretivism as it allows us to study for the social issues trying to understand the impact of wider social forces. Moreover, we would take advantage of the accuracy in evaluation of the figures provided in the financial report of Prudential in 2011 to see correctly its problems and challenges. These reasons are why the realism is selected II. The research approaches The second layer of research ‘onion’ refers to research approach. There are two approaches involved: 1. Deductive approach Deductive approach works from more general to specific. This is informally called as top-down approach. A deductive approach is consistent with developing a theory and testing it through research. Arguments based on laws, rules and accepted principles are generally used for Deductive Reasoning. 2. Inductive approach Inductive reasoning works the other way like deductive moving from specific to general to broader generalization and theories. And informally it is referred as bottom op approach. And its conclusion is likely based on premises and usually involves a degree of uncertainty. Because of the limitation about the information we can look up, we chose the deductive approach in order to have a clear orientation to carry out the project. B. The project I. Object of this project: To analyze financial situation of Prudential corporation in 2011, then reveal factors affecting the company included the cost and national economy situation and as well as the difficulties which corporation face in the this year II. The range of project * In term of space : Insurance market in Viet Nam and especially Prudential * In term of time: Practical research in the 12-month period of 2011 about the main activities of the Prudential corporation; challenges of Prudential in 2012 III. The research objective Offer the student the opportunity to train the skills falling into the categories of writing a report to learn the logic and practice of investigating/analyzing actual problems, equivalent to current challenges in modern financial companies – and to being introduced to formulating a research question. IV. The research methodology To estimate specifically and exactly how was financial situation of Prudential Vietnam in 2010 our group thinks it is suitable to use dialectical materialist methodology (human relations results), along with the clever combination of theories in economics and management, based on the analysis of reliable material which our group collected, in which we focuses on information on the homepage of Prudential Vietnam. C. The structure of assignment The layout of the contents of the subject consists of five parts 1. The introductory part 2. Methodology 3. The main part a. Chapter 1: Historical Development and Organizational Structure of Prudential Vietnam b. Chapter 2: How Prudential Vietnam did their business in 2011 c. Chapter 3: Financial Situation of Prudential Vietnam in 2011, its problems in 2011 and challenges in 2012 4. Conclusion 5. Appendix CHAPTER 1: HISTORICAL DEVELOPMENT AND ORGANIZATIONAL STRUTURE OF PRUDENTIAL VIETNAM PART 1: HISTORICAL DEVELOPMENT Established in London 1848, Prudential is one of the world’s leading retail financial services groups providing life insurance, financial services and asset management products and it has been writing life insurance in the United Kingdom for 163 years. In 1995, Prudential arrived in Vietnam amp; established the Prudential Representative Office in Hanoi, the capital of Vietnam. Later on, in 1997, it established a 2nd Representative office in Ho Chi Minh City After 11 years , in 2006 , it was awarded the No. 1 brand in Insurance Finance – Banking Industryâ€Å". Up to now, it has keep dominating the market share in insurance market. PART 2: ORGANIZATIONAL STRUCTURE Board of Directors Mr. Alexander John Hambly Chairman (Non-Executive Director) Mr. Hambly is the Regional Head of Private Equity of Eastspring Investments (Singapore) Limited (formerly known as Prudential Asset Management (Singapore) Limited) joined Prudential in 2003 and was Chief Executive Officer and Chief Investment Officer of Eastspring Investments Fund Management Limited Liability Company (formerly known as Prudential Vietnam Fund Management Private Limited Company) from January 2006 to September 2007. Alex was also the Chief Executive Officer for Prudential Property Investment Management (Singapore) Pte. Ltd from September 2007 to February 2010 and the Chief Executive Officer of PPEM Pte. Ltd. from March 2009 to October 2010. He has more than 20 years direct investment experience gained in both Asia and other major markets. Prior to joining Prudential, he worked for four years for Actis (formerly known as CDC Capital Partners) based in Singapore, four years with HSBC Private Equity based in India, and seven years with Barclays Bank plc based in London, India and Singapore, the last three years of which he was on secondment to a private equity fund (Baronsmead plc) in the United Kingdom. He holds a BA in Modern History from Durham University in the UK. Mr. Hambly is also a member of the VII Audit and Remuneration Committees. He has not been a director of any other listed company in the last three years. Mr. Henry (Van Hung) Lam Managing Director (Chief Executive Officer) Mr. Lam, a resident of Vietnam, was born in Vietnam and came to Australia in 1977 and studied electrical engineering. He resides in Vietnam and is responsible for the group’s operations in Vietnam. He was awarded the â€Å"Red Star† at the end of 2000, the first overseas Vietnamese to receive this, for his contribution to the economy of Vietnam and in 2010 he was awarded the â€Å"Second Class Labour Medal†. He has not been a director of any other listed company in the last three years. Mr. Lam is a director and shareholder of Corbyns International Limited, the Company’s ultimate holding company. Mr. Alan Alexander Young Managing Director (Chief Operating Officer) Mr. Young commenced his business career in the financial sector and was employed for several years in banking and finance. For the past twenty years, he has gained wide experience in the administration of public companies, particularly in the resource sector. Mr. Young is a Board member of all the operating subsidiaries in Vietnam. He was a Fellow of the Institute of Corporate Managers, Secretaries and Administrators and past President of the Western Australia-Vietnam Business Council Inc. He has not been a director of any other listed company in the last three years. Mr. Roger (Sing-Leong) Kwok Independent Non-Executive Director Mr. Roger Kwok is the Managing Director of Arcadia Group in Perth which specialises in designing, developing and managing retirement resorts and premium properties. For the last twenty years, Mr. Kwok has managed a number of Australian businesses in the automotive and healthcare sectors. He is a past president of The Western Australian Chinese Chamber of Commerce and brings significant experience in business relations in international markets, particularly China, which sources raw materials to VII’s rolling mills. Mr. Kwok is the Chairman of the VII Audit and Remuneration Committees. He has not been a director of any other listed company in the last three years. Mr. Andrew David Walker  (appointed 3 January 2012) Independent Non-Executive Director Mr. Walker has graduate and postgraduate qualifications in Medicine and Medical Science from Newcastle University and is a Fellow of the International College of Surgeons. He also has a MBA from The University of Melbourne. Before starting his business career, Andrew was as officer in the Australian Army and a Platoon Commander in Australia’s elite parachute regiment. Mr. Walker has a wide range of Board experiences, both Public and Private companies. He was the Past-Chairman of the Melbourne Chapter of the Young Presidents Organisation. He was named the 2006 Ernst amp; Young’s National â€Å"Entrepreneur of the Year† (Service Category). In the past three years,  Mr. Walker is the Executive Chairman of Vallenar Iron Company and Founder-Chairman of Aspen Medical Pty Ltd. Mr. Walker is a member of the VII Audit and Remuneration Committees. CHAPTER 2: HOW PRUDENTIAL VIETNAM DID THEIR BUSINESS IN 2011 PART 1: HOW DID PRUDENTIAL GET PROFIT? The renovation and modernization of the country and international economic integration requires every industry, every business have to try harder, continuing deeply comprehensive reform in all its activities. With the function of mobilizing small amount of money from countless individuals to create a central insurance fund to invest in various sectors of the economy, insurance companies, particularly life insurance Prudential company has become an institution, a key professional investors on the capital market of many countries. And if the world over a long period, the investment activities of the non-life insurance companies are considered a complementary activities in order to increase profits in addition to profit from insurance operations, since the type of life insurance on the market, investors have become a very important activity, can’t be separated and have to say it determines the survival of life insurance companies. To be more specific, the writer will present the way Prudential get profits. Firstly, by buying insurance contracts, Prudential’s employees try to persuade other people to buy their insurance policies. They will get amount of money when the contracts accomplish and unless the buyer have some problems with their body or life, the company will use the money to invest some particular activities to make more profits. Secondly, they generate profit by mortgage. Lending is an important role for life-insurance company. With the nature as an investment tool, Prudential company must also be subject to some limitations when it carry out loan such as restrictions on the maximum amount allowed for limited borrowing and lending of money. Currently the mortgage loans of life insurance companies primarily secured by real estate . Most of loans under life-insurance company tend to increase quickly. This is also the form of attracting more customers to the insurance company. In Vietnam today lending policy is very popular and used by insurance companies as a form of competition. The next one is that Prudential company invested in securities. This is the investment tool which is used by almost life-insurance company most widely, hence the profits from investment securities giving the insurance company is very huge. Moreover, investing in securities has a high liquidity because insurance companies can quickly sell the securities to the market if demand for payment is necessary. Stocks and bond are two kinds of securities which most life insurance companies prefer to invest. In a word, investing in securities has higher margins than other forms of investment. Life-insurance companies tend to invest large value on that list. Associating with the development of securities market in recent years, the investment of life insurance companies in this market is considerably increased. Currently Most of life-insurance companies move to invest in securities and loans which have guaranteed level less but have a higher expected rate of return. Next, Investing in real estate is important element without mention on the way to generate profit . The investment in real estate plays an essential role because it maintains the stability of the value of investing in real estate which is less affected by inflation. However, investing in real estate has high market risk and low liquidity. Therefore the real estate business of life-insurance Prudential is suffered from certain limitations. In addition to these forms of investment, life insurance companies also invest in other forms of joint ventures, deposits at credit institutions, pledge and mortgage. With life insurance company investment which is usually long term should be greater long-term portfolio than that of non-life insurance companies . In previous time, loans secured by the mortgage is the primary form of investment life insurance companies. These investments often bring a higher rate of return than investments in government bonds, although liquidity is not high. Those are the fourth best ways of Prudential company to gain profit. However, it does not mean that they are the only measures. To generate profit, Prudential also take part in forms of organization and operation of investment. And Prudential with a large scale of enterprise and the nature of insurance can invest in this activity with two forms: The first one is establishing investment company belonging to Prudential company. The establishment of an independent investment organization in the form of the investment company or investment fund owned by the insurance company all the shares or hold the shares in the form of applied fairly common in the insurance company in the world. This pattern is consistent with the large-scale insurance companies and developing companies, it helps insurance Prudential company concentrate on its resources to improve the quality and efficiency of investment activities. These funds may only focus on a geographical area or specific industry groups or a wide range of activities and general investment fields. In recent years insurance companies have large-scale switch to set up the fund to focus its resources and improve the quality and efficiency of investment activities. The next one, Prudential buy shares in the non-dominant of other investment company. PART 2: PRUDENTIAL MARKET SHARE AND THEIR COMPETITORS Market share * 2011 situation 2011 was a challenging year for the global economy and Vietnam was not an exception. The slow growth in the US and EU region also softened Vietnam’s export demand. Moreover, the tightening policy by the SBV to tackle inflation lowered domestic industrial activities. For the full year of 2011, GDP growth was 5. 9% compared to 6. 8% in 2010. This is the second lowest year of GDP growth in the last decade, only higher than 2009 the year after the global financial crisis started. According to the annual report 2011, the revenue of Prudential Vietnam account for nearly 39% of the total revenue of the life insurance market, reduced 1% compared to 2010. However, Prudential Vietnam has reached new business premium of VND615 billion ($30 million), up 21. 2% year-on-year. The total premium income increased to VND2. 8 trillion ($137 million), up 12. % year-on-year. With the market share of 38%, the company reaffirmed its No. 1 position in Vietnam’s life insurance market. In additional, Prudential Vietnam has won the  Golden Dragon Award 2011  with the title â€Å"Best Financial Service† for all three business units in Vietnam: Prudential Vietnam Assurance, Eastspring Investments and Prudential Finance. This is the 10th consecutive time th at Prudential has won the Golden Dragon Award. * Prediction in 2012 2012 outlook is expected to improve due to consistent government policy, the more stable VND and improvement in the balance of payment. We become increasingly optimistic about Vietnam outlook in 2012 due to the consistency of SBV in implementing monetary policy, the more stable VND, and the improvement in the balance of payment. However, in the short term, lower GDP growth is expected in trade off for long term macro stability. During this period, the equity market might remain volatile and highly reactive to releasing news. We think that selective investment in sectors with stable consumption demand (i. e. non-cyclical consumer goods) or have a strong financial capacity will bring benefits for investors. In the long run, we increasingly become optimistic about the equity market as the VN Index valuation is currently at one of its lowest levels historically and compared to other markets in the region. Competitor In Vietnam, the insurance sector is regulated by the Insurance Supervisory Division within the Ministry of Finance. The insurance trade association is the Association of Vietnamese Insurers (AVI). The main life insurance companies are: Bao Viet (also a non-life insurance company); Prudential; Manulife; AIA; Dai-ichi Life; ACE Life; and Prevoir. Key non-life insurance companies include: Bao Viet (also a life insurance company); Bao Minh; Petrovietnam Insurance Company (PVIC); PJICO; PTI; Cong ty BH lienhiep; Bao Long; Vien Dong; and VIA. In the first quarter of 2012, the total sales of life insurance in the market are 3522 billion, up 8. 1% compared to the same period last year. The companies have large market shares of Prudential Vietnam, with 1,308 billion, accounting for 37. 14% market share, Bao Viet is 942 billion VND, accounting for 26. 73%, Manulife is 440 billion, accounting for 12. 5% . Leader in sales of new premium remains the Prudential Vietnam with 239 billion, followed by Bao Viet Life 226 billion and Manulife is 131 billion VND. The strongest opponents of the current Prudential Vietnam Bao Viet Life, with a market share of new operators are close to Prudential. Futhermore, Manulife, although total sales revenue and new operators have a big gap with the Prudential, but development strategy, with a solid foundation and changes quite flexible according to the market trend of this company many companies in the same industry appreciated. AIA is also one of considerable competitors with daring and efficient strategies which may have a spectacular breakthrough in the market share in a few years. Meanwhile, Dai-ichi Life Vietnam after a period of impressive growth, there seems to be a lull down and has not had any extensive development. In the recent economic condition, the issue is not about the number of new contracts or pushing the revenue growth. The vital tatic is maintaining the signed contracts. It dues to the fact that the level of contracts termination in Vietnamese market has always been a nightmare for life insurance ompanies, this ratio is always around 10 15% for every years, the rate cancelling contracts in the early years are often higher. Therefore, the development of effective strategies many insurance companies selected for this difficult period. Although the cancelling contracts are high, Datas from the Vietnam Insurance Association showed that the three months of this year, the number of contracts r estoration of 27,797 contracts, an increase of 35% over the same period last year. The companies have the contract high recovery rate is Prudential, Bao Viet and Dai-ichi Life Vietnam. Thus, under the current intensive competition, whether Prudential can retain their leader position of the life insurance market or not, it’s still a question. CHAPTER 3: FINANCIAL SITUATION OF PRUDENTIAL VIETNAM IN 2011 COMPARED TO 2010, ITS PROBLEMS IN 2011 AND CHALLENGES IN 2012 PART 1: FINANCIAL SITUATION IN 2011 COMPARED TO 2011 AND ITS PROBLEMS IN 2011 Business activities results Unit: Million VND Content| 2010| 2011| I. Revenue| 7,601,313| 8,871,160| 1. Revenue from insurance activities| 5,365,668| 5,992,532| 2. Revenue for financial activities| 2. 235. 645| 2,871,628| II. Costs| 6,263,946| 7,878,625| 1. Insurance activities and sales cost| 5,298,593| 6,335,556| 2. Financial activities costs| 379,520| 819,496| 3. Manager costs and other costs| 585,833| 723,573| III. Profit without taxes| 1,337,367| 992,535| IV. Taxes| 329,815| 240,839| V. Net Profit| 1,007,552| 751,996| The table shows how Prudential did their business in 2011. According to the table, in 2011, Prudential’s revenue showed an upward trend in both insurance and financial fields. Specifically, its revenue increased by 626,864 million VND and 635983 million VND respectively. However, costs for business activities involved insurance, financial activities, management cost and other cost also grew in this 12-month period as a figure of 1,614,679 million VND. As a result, net profit was decline by a significant number, 255,556 million VND for particular, despite of reduction in taxes. In conclusion, this insurance and finance company still got profit in the previous year, however it was less than it had been in 2010. Important financial ratios: Content| 2010| 2011| I. Asset Structure| 1. Fixed Asset / Total Asset| 0. 3%| 0. 4%| 2. Moveable Asset / Total Asset| 28. 7%| 31. 4%| II. Capital Structure| 1. Debt / Debt and Equity| 87%| 88%| 2. Equity / Total Capital| 13%| 12%| III. Payment Capability| 1. Money and money equivalents and short-term investment / Short-term debt ( times )| 3. 77| 3. 58| 2. Total Asset / Total Debt ( times )| 1. 15| 1. 13| IV. Profit ratios| 1. Profit without taxes / Total Asset| 5%| 3%| 2. Net profit / Gross Revenue| 13%| 8%| 3. Net profit / Net Revenue| 20%| 12%| 4. Net profit / Equity| 30%| 22%| The table illustrated some relevant financial ratios included asset structure, capital structure, payment capability and profit ratios. In general, these numbers provide a negative business image of Prudential in 2011 compared to they did in 2010. For example, their payment capability was limited and profit ratios also reduced to. The figures were 0. 19 time deduction in money and money equivalents and short-term investment / short-term debt and 8% decline in net profit / net revenue. Clearly, business activities of Prudential in was not effective compared to 2010 and this fact was because of several reasons and also led to several issues of Prudential in 2011. Factors had devastating impacts on insurance market in general and Prudential for particular included The 2008 Financial Crisis, inflation rates, the increase of gold price and Resolution of the government Firstly, the 2008 Financial Crisis has been proving that it has global affects and there are no countries being exception. In 2008, White House admitted the conclusion of The National Bureau of Economic Research (NBER) which is â€Å"The United States has been being in recession since December of 2007† and tried to accelerate the economic recovery process by improve finance, credit and real estate market. According to official figures, GDP of the biggest economy in the world decreased by 0. 2% in the fourth quarter of 2007 but increased by 0. 8% in the first quarter of 2008 and 2. 8% in the following 4 months. Subsequently, it declined again in the third quarter of 2008 by 0. 5%. However NBER informed that recognizing the recession was not just based on GDP but on other economy factors such. For example, employment market and capital slowed down and showed a downward trend in a 12-month period. After that, this disease started spreading all over the over and several countries and regions were victims. Fifteen European Union countries were the first, then Russia, Japan, China, Singapore †¦ Later on, in 2009, Vietnam became a victims of the crisis, which brought the economy down without recovery up to now and every single industry was effected involved insurance field. As a consequence, business activities of Prudential fell down year after year. Secondly, the inflation rates of 18. 13% was rather high than ideal number and it also means that Consumer Price Index (CPI) was 18. 13% higher than the previous year, furthermore, some essential products increased by 50% or even 100%. Hence, it had impact on social quality and decreased the amount of saving money of residents, limited to capability of participating in insurance activities or maintaining the life insurance contract due to people who have low average income, and increased the compensation costs of non-life insurance. Therefore, the growth of about 10000 billion VND costs of insurance activities and sale costs of Prudential was an obvious consequence. Thirdly, the 24. 6% rise of gold prices also created psychological allocation of the insurers. The stock market and real estate was bleak which reduced investment opportunities and profitability of the insurance business and even generated difficulties for making provision for diminution in value of investment in a relatively large number. And finally, in 2011 The Resolution of the Government about the credit crunch, tightening expenditure and government investment has decreased demand for property insurance, construction and installation of new assets purchased. To conclude, because of several reasons involved The 2008 Financial Crisis, inflation rates, the increase of gold price and Resolution of the government led to a bleak business image of Prudential in 2011 compared to 2010. However, they did a great job in the insurance industry in this year and the evidences proved this is Prudential was the market leader of this field with insurance revenue increased by 12% with the biggest market share and being the number one company in this major. PART 2: CHALLENGES OF PRUDENTIAL VIETNAM IN 2012 Problems of Prudential in 2011 mostly referred to the costs of business activities and the degradation of the economy. However, in 2012, its main mission is to fix these problems and to take advantage of new opportunities in the market to improve its business. In 2012, the inherent difficulties in 2011 still continue, the risk of high inflation, the government undertook to restructure the economy, in which the focus of restructuring banking, securities and insurance will affect the insurance market. Property insurance market is predicted slowing down because of tightening credit, expenditure management and government investment spending forced the non-life insurance companies have turned to market development, non-property insurance products. Moreover, many businesses have to limit their production or stop working because of difficulties in accessing to bank credit which led to an increase in the number of unemployed workers and reducing income. Hence, these determinants generated bad effects on the demand of life insurance. Furthermore, the stock market and real estate do not have any signals of recovery which makes insurance companies being more cautious with investment in this area. And last but not least, The Finance Ministry urged the insurance businesses to thrift, cut costs by 5% 10%, rearrange insurance companies, restructure the insurance market, improve the business insurance effectiveness, risk management, customer care and upgrade competitive capacity. Although 2012 is expected to continue to be a difficult year for the life insurance industry, based on the difficulties of the Vietnamese economy in general, but there are also positive signs bringing new development in insurance market and providing new opportunities for the life insurance industry, especially Prudential: * The impact of a imited credit growth in the banking system is a positive factor to promote extensive cooperation between the banking system and insurance, also a positive signal for the strong improvement of banking and insurance products * The cost of an employer to purchase insurance for employees is calculated on pre-tax costs will set the stage for the life insurance products tak e a forward step to businesses. Limitations of the health insurance system with lower benefits will be an opportunity to stimulate the development of life insurance products which have many benefits about high quality health care and health insurance product lines with high value. To sum up, taking good reactions to overcome these difficulties and take advantage of the opportunities above, Prudential will conduct a successful business in 2012. APPENDIX http://www. vii. net. au/Company/BoardofDirectors. spx http://www. investor. prudential. com/phoenix. zhtml? ID=1099317amp;c=129695amp;highlight=amp;p=irol-newsArticle http://thuvienluanvan. com http://timluanvan. com http://www. prudential. com. vn/ Principles of microeconomics (2003 ) – Mankiw Principles of microeconomics 2ed (2001) –Mankiw Economics book 7th John Sloman – Alison Wride GROUP MEMBERS Nguyen Hoang Tuan Anh Le Xuan Chanh Duong Le Hoang Gia Nguyen Kim Khanh Vo Thanh Tung Nguyen Minh Hai