A Review Of Personal Loans Commerce Essay

A Review Of Personal Loans Commerce Essay If you already have a personal loan, the chances are that it is costing you more than it should. Even though there are a number of great opportunities to make your money work harder, most people dont bother changing their loan and stick with a loan rate that doesnt reflect the best deal. By using our search tool to compare loans, you can compare offers available from loan providers in the UK including both personal loans and homeowner loans. A loan is an amount of money you borrow from your bank or any financial institution, usually over a fixed period of time, which is repaid at regular intervals. Interest is charged and added to the original loan amount, and other charges, such as an Administration Fee, may apply to the loan as well. Generally, there are 2 types of loans secured and unsecured loan. Secured loans are secured against the mortgaged property. Secured loans usually ranges from  £3,000 to  £50,000, although some lenders will consider lending up to  £100,000. The amount borrowed is repaid monthly over a term agreed at the outset, ranging between three and 25 years. Unsecured loans can be taken out without offering the lender any security. Unsecured personal loans are available for a range of different amounts and repayment terms. Larger loans such as those for over  £10,000 can usually be taken over longer terms, for example between seven and 10 years, and the maximum you can borrow is about  £25,000. Payday loans are short-term borrowing solutions aimed at those facing an immediate financial difficulty. If you find yourself short of cash towards the end of the month, you can apply for a same-day payday loan, usually lasting for 31 days and are generally available for amounts between  £100 and  £1,000. The interest rates on payday loans are much higher than those on most other types of borrowing. The most common personal loans are fixed, which means repayments are set at a certain amount over a set period of time. Variable loans are also available, although this means that your interest rate is dependent on the bank base rate and could fluctuate. When choosing a loan you should pay careful attention to the APR, the Annual Percentage Rate, this is important because it tells you how much you are paying back. Secured loans Secured loans are secured against the mortgaged property. Secured loans usually ranges from  £3,000 to  £50,000, although some lenders will consider lending up to  £100,000. The amount borrowed is repaid monthly over a term agreed at the outset, ranging between three and 25 years. Unsecured loans can be taken out without offering the lender any security. Payday Loans Payday loans are short-term borrowing solutions aimed at those facing an immediate financial difficulty. If you find yourself short of cash towards the end of the month, you can apply for a same-day payday loan, usually lasting for 31 days and are generally available for amounts between  £100 and  £1,000. The interest rates on payday loans are much higher than those on most other types of borrowing. Payday loans are intended only as a short term arrangement. As with an overdraft, payday loans should not be seen as a long term solution. Mortgages A mortgage is a large loan secured against your home, usually for a standard term of 25 years. Remember that a mortgage is a secured loan, which means that the lender could take your home away if you do not keep up with payments. There are two main ways you can repay your home loan, either through a Repayment scheme or an Interest Only scheme. Repayment: This means that you pay back the capital and the interest of your mortgage on a monthly basis. Interest Only: This means you pay off the interest on your mortgage, but not the actual lump sum or capital you owe. What is Remortgaging? This is the process by which a m ortgage on a property is moved from one lender to another. The new mortgage is used to repay the existing lender and at the same time additional funds may be raised for other purposes. Re-mortgaging has become an increasingly popular way to take advantage of the competitive deals offered by lenders to attract new business. If a re-mortgage is being considered then careful attention should be paid to the costs associated with arranging the re-mortgage as well as the savings to be made on the monthly repayment (the costs can sometimes erode any savings to be made). A check should also be made with the existing lender to ensure that there are no early redemption charges. Credit Cards: If you already have a credit card with an outstanding balance, the chances are that it is costing you more than it should. Even though there are a number of great opportunities to make your money work harder, most people dont bother changing their credit card and stick with a credit card that doesnt reflect the best deal. By using our search tools to compare credit cards, you can compare the best offers available from all credit card providers in the UK including the leading 0% balance transfer credit cards and 0% purchase credit cards. Credit Cards offer an easy and flexible way of borrowing for our everyday needs and pay it back in monthly payments. Credit cards offer a safe and convenient way to pay for goods and services both in the UK and abroad, particularly if you are purchasing over the internet, phone or by mail order. Credit Cards can be very handy when you are visiting another country, but it could cost you. The exchange rate used by Credit Card companies for transactions overseas will probably range from 0% to 2.75% above the standard exchange rate. Cash back credit cards pay you a percentage rebate on the money you spend on the card. Cash back credit cards are most profitable if you pay your card balance in full every month. If you intend to keep a balance on your card, you might prefer instead to find one that offers a low interest rate. Most cash backs are calculated in the region of 0.50% to 1.00% of card spend. A prepaid card looks like a credit or debit card, and gives users the ability to purchase products and services with a card but with a crucial difference you can only spend the balance that has been preloaded onto the card. This means there is no risk of running into debt as it has no credit or overdraft facility. Money can be loaded on to a prepaid card by cash at a bank, Post Office, at Payzone or PayPoint terminals, bank transfer, through your employer or even by another credit card. Car Insurance Insurance is now available for nearly anything, covering the most important and probably the most expensive possessions in your and your familys lives: your home and its contents, your vehicle and your holiday. Depending on what youre insuring, policies and premiums will differ greatly some will be short-term and cover only emergencies, while others like motor or house and contents insurance will be more long-term in nature and will likely adapt to your changing circumstances during the term of your policy. Car insurance is a legal requirement because cars have the capacity to seriously damage property or injure people and you need to be insured to pay for any accidents you cause. There are three common types of car insurance and each offers a varying level of cover. They are: third party, third party: fire and theft, and comprehensive. Third party insurance covers the minimum required by law. It pays compensation to anyone else who was injured or had their car and property damaged. Third party: fire and theft insurance offers all of the protection that a standard third party policy does but also pays out compensation for damage done to your car by fire or theft. Comprehensive insurance offers the same level of protection as fire and theft but also protects you against accidental damage. Comprehensive cover usually covers personal belonging in the car as well. Home Insurance Insurance is now available for nearly anything, covering the most important and probably the most expensive possessions in your and your familys lives: your home and its contents, your vehicle and your holiday. Depending on what youre insuring, policies and premiums will differ greatly some will be short-term and cover only emergencies, while others like motor or house and contents insurance will be more long-term in nature and will likely adapt to your changing circumstances during the term of your policy. Home insurance are of 2 main types: buildings insurance contents insurance. Buildings insurance are those policies that cover the actual building you live in Contents Insurance are those policies that cover the contents of your property. You can buy a single policy that covers you for both, but treat them as two separate policies. It is very important for you to let your insurers know the complete details of your property, even if the policy ends up costing you more. It is important for you to have a policy that meets all your requirements while taking on your home insurance including fire, burglary, frozen pipes, extensions, storms, floods, etc., Bike Insurance : Insurance is now available for nearly anything, covering the most important and probably the most expensive possessions in your and your familys lives: your home and its contents, your vehicle and your holiday. Depending on what youre insuring, policies and premiums will differ greatly some will be short-term and cover only emergencies, while others like motor or house and contents insurance will be more long-term in nature and will likely adapt to your changing circumstances during the term of your policy. Bike theft is one of the most common type of vehicle theft and as such it is a wise investment to insure your bike. However bike insurance does not just cover you against theft, it also covers any damages that an accident (or delinquency) may cause to your bike or to yourself. Insurance companies tend to offer three main types of cover for your bike. 1) Third Party Only Bike Insurance This is the most basic level of motorcycle insurance cover available and covers you for third party death, third party injury and third party property damage. 2) Third Party Fire and Theft Bike Insurance This cover covers all of the above plus fire and theft cover and miscellaneous damage to your bike/motorcycle (subject to policy conditions). 3) Comprehensive Bike Insurance This insurance covers both of the above plus accidental damage to your bike/motorcycle. Travel Insurance Insurance is now available for nearly anything, covering the most important and probably the most expensive possessions in your and your familys lives: your home and its contents, your vehicle and your holiday. Depending on what youre insuring, policies and premiums will differ greatly some will be short-term and cover only emergencies, while others like motor or house and contents insurance will be more long-term in nature and will likely adapt to your changing circumstances during the term of your policy. Home insurance are of 2 main types: buildings insurance contents insurance. Buildings insurance are those policies that cover the actual building you live in Contents Insurance are those policies that cover the contents of your property. You can buy a single policy that covers you for both, but treat them as two separate policies. It is very important for you to let your insurers know the complete details of your property, even if the policy ends up costing you more. It is important for you to have a policy that meets all your requirements while taking on your home insurance including fire, burglary, frozen pipes, extensions, storms, floods, etc., Life Insurance Insurance is now available for nearly anything, covering the most important and probably the most expensive possessions in your and your familys lives: your home and its contents, your vehicle and your holiday. Depending on what youre insuring, policies and premiums will differ greatly some will be short-term and cover only emergencies, while others like motor or house and contents insurance will be more long-term in nature and will likely adapt to your changing circumstances during the term of your policy. A life insurance policy is a long-term commitment. Life assurance is a policy provided by an insurance company that pays your family either a lump sum or a series of smaller sums in the event of your death. There are several types of life insurance: Level term insurance designed to pay out a sum of money if the policyholder should die during the policys term. The sum assured is guaranteed and remains unchanged throughout the term. Decreasing term life insurance i.e. mortgage protection cover where the sum decreases during the policy. It is regularly used to protect capital and interest repayments on a mortgage. Renewable term insurance On the expiry date there is an option to continue without a health review. Convertible term insurance Level term insurance with the option to revert to whole life or endowment insurance. Increasing term insurance Due to inflation the value of money declines each year. Consequently, this form of insurance combats that with an escalating sum assured. Index linked term insurance Some insurers provide the option for the premium to be increased each year in relation to the Retail Price Index. Income Protection Income protection insurance is taken out against the payment of a debt ie it promises to cover your repayments (whether it is a loan or credit card debt) in the event that you lose your income due to unemployment, illness or an accident. Accident, Sickness and Unemployment You can be covered for accidents, sickness or involuntary unemployment. This cover does generally have exclusions for sickness and unemployment. Exclusions for accident and sickness can include: Any existing physical or medical condition of which you were aware on the date of signing the application form. Any disablement for which you had received treatment or advice during the 12 months immediately preceding the start date of insurance. Any disablement for which medical evidence has not been provided by a registered medical practitioner. Exclusions for unemployment can include: Unemployment resulting from industrial action, misconduct, voluntary unemployment or redundancy, and resignation. Unemployment which you were already aware of when signing the application form. If you are not registered as unemployed or not seeking alternative employment. Any unemployment which is a normal incident or seasonal occurrence in your occupation. Accident Sickness You can choose to be covered incase you have an accident or become ill and you are unable to work. You should remember that policies will exclude cover for the following: Any existing physical or medical condition of which you were aware on the date of signing the application form. Any disablement for which you had received treatment or advice during the 12 months immediately preceding the start date of insurance. Any disablement for which medical evidence has not been provided by a registered medical practitioner. Unemployment Only You can choose to be covered in case you become unemployed. This cover is generally only available if you have been employed/self employed continuously for a set time period. Exclusions can include, unemployment: Resulting from industrial action, misconduct, voluntary unemployment or redundancy, resignation. Which you were already aware of when signing the application form. If you are not registered as unemployed or not seeking alternative employment. Which is a normal incident or seasonal occurrence in your occupation.

Realism in “Great Expectations” by Charles Dickens Essay

Realism was developed by the middle of the 19th century as a response to the idealistic world of romanticism which had dominated for the past half century. It was an aesthetic movement which attempted to hold up a mirror to its society to show a true reflection of reality. Although claiming to offer a slice of life by emphasizing chiefly in the importance of the ordinary amongst the middle and lower classes, realism is a relative concept, a representation of reality which adheres to a loose collection of conventions. Many of these are offered in Charles Dickens’ Great Expectations, which follows the life and struggles of the protagonist and narrator, Pip. Dickens uses techniques such as a chronological linear narrative, an omniscient narrator, the celebration of the ordinary, and the resolution of the enigma to drive the moral undercurrents of Pip’s everyday existence. This constructed realism is essentially a representation of reality based on Dickens ideology, offerin g social commentary and reflecting the values and attitudes of nineteenth century England. see more:old age home article The basic structure of Great Expectations follows a chronological development of Pip’s life; from his childhood innocence, to his disillusioned expectations, finally his rejection of the high life and a circular succession ending back at the beginning. This chronological structure of which Dickens narrates exemplifies Pip’s learning process through his moral and emotional turmoil and complies with the opportunity to generate a realistic setting. For example, Pip’s description of London, â€Å"a most dismal place; the skylight eccentrically patched like a broken head, and the distorted adjoining houses looking as if they had twisted themselves to peep down at me through it,† creates an archaeologically realistic description of London, and hints a sense of foreboding, foreshadowing the futility of Pip’s expectations. This ideology developed through Pips learning process is created through a carefully crafted linear plot in order to present fiction as reality. Reflected by the matured Pip in the perspective of the omniscient narrator, Great Expectations’ first person narration employs the wisdom of hindsight to define the events and characters of the story. Dickens imbues the voice of the matured Pip to make judgments on his past actions, at the Christmas  dinner for instance, Pip experiences a deep desire to tweak Mr. Wopsle’s large nose–to â€Å"pull it until he howled.† The older Pip narrates this encounter comically and sympathetically, conveying his youthful innocence through the perspective of a child. This convention of retrospect produces a sense of psychological depth and compassion, given access to Pip’s feelings, thoughts and motivations. As the newly democratic age finds importance in the individual, essentially Great Expectations is both an external novel in Pip’s commentary of the society around him and an internal novel in the development of his perspective. By evoking consciousnes s of Pip’s character, Dickens coaxes the audience to enter the illusion of reality. Furthermore, in parallel to the importance of the individual, realism tends to concern its interests in the commonplace and ordinary everyday lives among the lower classes. Through the characters of Great Expectations, Dickens celebrates the commonplace, employing Pip, the most ordinary of subjects, as a central vehicle instilled to investigate his social reality and to express ideological views on society. Biddy, for instance â€Å"was not beautiful – she was common, and could not be like Estella – but she was pleasant and wholesome and sweet-tempered.† Despite her humble position in society Biddy emerges with admirable values, which contrasts to the cold beauty, cruelty and deception of Estella. In accordance to realist conventions concerned with rejecting the ideal, Dickens portrays the upper class with great malice, greed and corruption as Miss Havisham encourages Estella to torment Pip, whispering â€Å"Break their hearts!† Ideologically driven, realism is deliberate in rejoicing in the ordinary, and condemning the supreme. Moreover, realism is largely concentrated on ideologically driven values as the central issues of life tend to be ethical. Dickens paints the lower class to embody a high moral ground and rejects the false values of the upper class. Drummle, for instance, is an upper-class lout, while Magwitch, a persecuted convict, has a deep inner worth. This concept is developed with greater depth in the character of Joe, of which despite his position in society, his unrefined and uneducated qualities, is identified as the epitome of goodness. As a true ‘gentleman’, â€Å"It was not because I was  faithful, but because Joe was faithful,† Joe contrasts to the aspirations Pip seeks to become, of which Dickens shows as corrupt and materialistic. It was Joe’s â€Å"quiet goodness† stemming from honestly, empathy and kindness, which compelled Pip, as he reflects in retrospect, to reject the values of this society in favor of an inner morality. Additionally, a sense of ending is invested in Great Expectations which resolves the plot. The learning process Pip embarks on educates him on the futility of his expectations, and his hopes to return as a gentleman is a complete failure: Estella reminds him coldly that she has â€Å"no heart.† In Pip’s case, closure is restored through his moral development and growth, epitomized in his reconciliation with Joe and Biddy. His maturation toward adulthood is symbolized by his desire to rectify his behaviour toward his lower class loved ones. Pip has at last learned that love, loyalty and morality hold more value than social class and wealth. On a different vein, at times Great Expectations does not remain faithful to the conventions of realism. Dickens tends to slip in and out of reality, deviating from realism to social satire, using hyperbole to satirize the pretentiousness of Pumblechook’s social improvement â€Å"a large hard-breathing middle-aged slow man, with a mouth like a fish, dull staring eyes†¦looked as if he had just be all but choked.† The gothic genre is also apparent in Pip’s first description of Miss Havisham, â€Å"†¦ought to be white, had lost its luster, and was faded and yellow. I saw that the bride within the bridal dress had withered like the dress†¦Now, waxwork and skeleton seemed to have dark eyes that moved and looked at me.† The audience’s first impression of Miss Havisham is thus one of darkness, mystery and terror. With these constructed implications, realism is considered a loose convention as Dickens deviates between reality and the conventi ons of other genres. It can be seen that Great Expectations exhibits aspects of realism as it assumes that reality inheres in the here and now, in the everyday. Dickens employs themes including accurate descriptions of specific setting, the chronological structure of the story, the omniscient narrator, the importance of the ordinary, the pedestrian, and the middle class with  tendency to reject the ideal and the resolution of the enigma. Dickens also tends to deviate between different genres in contrast to the realistic portrayal of certain aspects in society. When these constructs are applied in literature, a set of conventions emerges, however in order to mimic reality they only offer an abstraction of reality reflecting the values and ideology of the composer’s context. With that said, literary realism is essentially a representation of the world based on the attitudes of the composer, carefully constructed to a set of conventions.

Local Study About Social Networking

TOPIC: CORRELATIVE ASSESMENT OF REALITY TELEVISION AND SECONDARY STUDENTS VALUES FORMATION IN STO. NINO FORMATION AND SCIENCE SCHOOL DURING S/Y 2012-2013 CHAPTER 1 THE PROBLEM AND IT’S BACKGROUND Introduction: The world today Is being controlled by the technology. With all the various types of new inventions and gadgets. People are slaves of all the product of the intelligence of mankind. People follow the trends of the world, whatever is new, people do follow. The influence of media Is a very big destruction to humankind. The invasion of new television programs are trending especially to the teenagers.Reality television began in 1948 with Allan Funt’s TV series Candid Camera. Reality Television is a television programming that presents purportedly unscripted melodramatic or humorous, situation, documents, actual events ,and usually features ordinary people instead of professional actors. Reality television represents the life of rich high class individuals who thrive o ff drama, materialistic items and fame. Girls are being very liberated and show off their interest on men, or they do the first step instead of the guy moving first. Reality television shows series as an entertainment purpose to all of it’s viewers, young or old.Producers want viewers to think and believe that these shows are not scripted. Most of the individuals are most of the times very selfish, childish and materialistic. When people watch reality television programs, they indicate to think that what they are seeing or what they are watching are true to life. And because of that, they believe that what they see on TV is what life really is. Viewers of reality television who are addicted to these daily programs often get deeply involved into any situation. Often, certain reality television shows are based on topics that have no thought process or concepts.The audience thus gets hooked on to television shows, which do not really have any intelligent concept. For example, th ese shows often highlights constant fights or disagreements between a group and even telecasts certain moment not suitable for viewing for a family audience. However, some shows may even show positive things, which viewers can learn and apply in their daily life. For example, a person cal learn about teamwork or be motivated in life to achieve their goals or even chase a dream. It Is a problem because reality television programs, are not exactly real life on camera.Rather, the shows are edited and scripted in being a melodramatic television show to make it more interesting and more exciting. The producers edit and script these to show to make It to have more conflict, more danger, more of negative things.. History has shown that when a mass of people can easily be controlled by a single person or a group of people that results to causing of grave harm. The influence of reality television characters, especially those who are teenagers, because they are influencing teenagers very effe ctively, especially with daring segments of the television programs.Especially, to think that this is a reality television show. Reality television is not really reality. Unluckily, many people think that It Is. These television shows draws hundreds, thousands, and even millions of viewers from all ages because It Is entertaining. It has been the focus of so much criticism because of doubtful honesty messages of some of the shows depict. Unrealistic expectations. The late novelist Kurt Vonnegut once described media in terms that may apply to reality shows.He explained how TV and movies have caused people to expect reality to be much more dramatic than it really is: â€Å"†¦ because we grew up surrounded by big dramatic story arcs in books and movies, we think our lives are supposed to be filled with huge ups and downs. So people pretend there is drama where there is none. † Nothing proves Vonnegut's theory like America's love for reality TV. Shows such as â€Å"The Real World† and â€Å"The Hills† are filled with over-dramatic fights and intrigue. But unlike books and movies before them, reality TV claims to be representative of real life.This helps people believe more than ever before that life should be full of dramatic ups and downs that don't really exist. Enjoying misfortunes for others. Waite also expresses the fear that reality shows such as â€Å"Temptation Island† bring out viewers' attraction to mortification. â€Å"Temptation Island† revolved around trying to get monogamous couples to be unfaithful. Waite says of heavy watchers of these sorts of shows, â€Å"They expect it's OK to humiliate and to be humiliated by others, instead of thinking there's something wrong with this behavior. † The worst human behavior.Psychologist George Gerbner and Larry Gross of the University of Pennsylvania developed the â€Å"cultivation theory,† which asserts that prolonged exposure to television can shape viewerà ¢â‚¬â„¢s concept of the world. Basically, the more television someone watches, the more he will believe the world is as it’s presented by the TV. I can see how this might apply to older generations who didn’t grow up in the Information Age. Take my grandpa, for example. He watches nothing but the news and he’s convinced the world is a violent and dangerous place. I’d probably think that, too, if all I watched were reports of thefts, shooting, and terrorism.I wonder if the â€Å"cultivation theory† applies to reality TV shows. If I did nothing but watch â€Å"Big Brother† all day, would I start to believe there were cameras scattered throughout my home and my family was conspiring to vote me out of the house? Voyeuristic Urges The idea that reality TV nourishes voyeuristic behavior sounds like a great argument. Who would want to raise a society of Peeping Toms? Thankfully, this criticism has no merit. Voyeurism is, by definition, â€Å"the p ractice of obtaining sexual gratification by looking at sexual objects or acts, especially secretively. † The key word here is secretively.All voyeuristic pleasure is removed if the person being watched knows she’s being watched. A threat to intelligence Reality TV critics claim that these shows pander to the ill-witted and somehow manage to make the rest of us dumber for watching. I don’t think it’s possible to lose brain cells or cognitive functioning simply from tuning into a TV show. I think a far greater concern for critics is the sense of superiority viewers derive from watching reality TV. The truth is many people watch these shows to feel better about their own lives. What does that say about our society’s ability to promote a healthy self-image?Entertainment Critics of reality TV argue that television should be used to education, inform, and enlighten viewers. I agree television is an excellent medium for teaching, decimating information, a nd promoting the arts, but it is also a vehicle for entertainment. It’s a way to peer into another world for amusement and fun. Television offers viewers a needed break from the daily pressures of life; it’s a healthy occupation for the mind. These are just some of the reasons why we are really decided to study about this topic. It Is a stepping stone for us for all the teenagers out there, especially with the secondary students here in SNFSS.This Is to prevent bad things to happen. And open up there eyes in what they know and see about reality television programs. It Is not that when we enjoy, what we see or what we do, you think that It Is right. But It’s not, sometimes, It’s really easier and more fun to the bad or wrong things, especially Now a days. Technology Is getting better and better, and the media invades the world, It conquers peoples mind and beliefs. The goal that we wanted to achieve in studying this topic Is to open everyone’s eyes in what reality television programs Is all about.We carry on this analysis and research because we are craving to know what are the positive and negative effects of TV programs on the values formation of the secondary students In SNFSS during SY 2012-2013, and the possible effects and feedback of reality TV programs. Theoretical Framework Kohlberg’s theory of Moral development, Is a theory based upon research and interviews with groups of young children. A series of moral dilemmas were presented to these participants and they were also interviewed to determine the reasoning behind their judgments of each scenario. Kohlberg as not interested so much In the answer to the question of whether Heinz was wrong or right, but In the reasoning of for each participant’s decision. The responses were then classified into various stages of reasoning in his theory of moral development. Level 1- Stage 1 (Obedience and Punishment) The earliest stage of moral development Is especially common in young children, but adults are also capable of expressing this type of reasoning. At this stage, children see rules as fixed and absolute. Obeying the rules Is important because It Is a means to avoid punishment.Stage 2 (Individualism and Exchange) Children and adults account for individual points of view and judge actions based on how they serve argued that the best course of action was the choice that best-served Heinz’s needs. Reciprocity Is possible at this point in moral development but only If It serves one’s own. Level 2-Conventional Morality; Stage 3(Interpersonal Relationships) Often referred to as the â€Å"good boy- good girl† orientation, this stage of moral development Is focused on living up to social expectations and roles.There Is an emphasis on conformity, being â€Å"nice†, and consideration of how choices influence relationships. Stage 4(Maintaining Social Order) At this stage of moral development, people begin to consider soc iety as a whole when making judgments. The focus Is on maintaining law and order by following the rules, doing one’s duty, and respecting authority. Level 3- Post Conventional Morality; Stage 5( Social contract and Individual Rights) At this stage, people began to account for the differing values, options and beliefs of other people. Roles of law are important for aintaining a society, but members of the society should agree upon these standards. Stage 6(Universal Principles) Kohlberg’s final level of moral reasoning Is based upon universal ethical principles and abstract reasoning. At this stage, people follow these internalized principles of justice, even If they conflict with law and rules. Conceptual Framework Input Throughput/Process Output Results of the survey form the secondary students. 1. Observation on the ongoing survey. Profile Variables: 1. Surveys about the given problems from Grade 7 to 4th year High school. . Comparisson of watching and not watching of reality television programs. Compare about the difference between the answers of the grade 7 and 3rd year, 2nd year and 4th year High school students. Surveys on 10 to 15 people Grade 7 and 3rd year HS 2nd year and 4th year HS Figure 2: Conceptual Framework of the study depicting the profile variables and the results of the survey from the secondary students The first box on our figure is the input. We have our profile variables, the first one Is having surveys about the given problems from Grade 7 to 4th year High school.And the second one Is the comparison of watching and not watching reality TV shows. These are the required or available data to be used in our surveys with the secondary students of SNFSS. The second box on our figure Is the throughput or the process. Our process would be like this. We will conduct a survey from 10 to 15 people of the grade 7 and 3rd year high school students and we will be observing and comparing It with the result of the survey of the students f rom the 2nd year and the 4th year High school. We will be comparing the differences between the 2 sets of batch of students.The third box on our figure Is the output and In It Is the results of the surveys. Hypothesis (Null Hypothesis) There Is no unnecessary effect of watching reality TV programs In the values formation of the secondary students of SNFSS during SY 2012-2013. Statement of the Problem 1. What Is the most commonly reality television show being watched by the secondary students of SNFSS (SY 2012-2013)? 2. How does It help you In your daily living in school or at home? 3. What are the advantages of watching different reality TV programs? 4. What are the disadvantages of watching different TV programs?Scope and Delimitation This study Is conducted and done to the secondary students of the Sto. Nino Formation and Science School during the school year 2012-2013 to know If there Is a unnecessary effect of watching reality TV programs In the values formation of the secondary students. Pinoy Big Brother Is one of the most famous reality TV show here In the Philippines, and next to It is the Survivor Philippines etc. Our main focus In our study Is to know the advantages and the disadvantages of reality TV programs In the Values formation of the secondary students here In SNFSS.

Law Enforcement Officials At Multiple Levels - 860 Words

Serious misconduct amongst law enforcement officials at multiple levels has come to the forefront of pertinent issues facing the United States of America. This issue is widely covered by the media and is a major concern of our citizens. Recently, the competent and professional service that federal law enforcement officials provide has been overshadowed by unsavory incidents. These incidents remain in the collective memory of the people, thereby, harming the reputation and potential effectiveness of these agencies. The harmful decisions of a few officials in agencies, such as the FBI, DEA, Border Patrol, and Secret Service, are absolutely damaging to the careers of effective, dedicated law enforcement professionals who protect and serve our communities. The Judiciary Committee is pursuing improvement in the review and enforcement of rules in the aforementioned agencies. The allegations made against law enforcement officials are to be further investigated and disciplinary procedures wi ll be readjusted to allow the integrity of the agencies to not be harmfully represented again. Honorable Michael Horowitz, Inspector General, United States Department of Justice insists that serious misconduct, sometimes criminal-like, is hurting the reputation and overall efficiency of governmental law enforcement agencies. He supports the implementation of more rigorous department wide training and policies. He calls for leadership to be held to higher standards and for increasedShow MoreRelatedPolice Enforcement And The Civil Rights907 Words   |  4 Pagesbecome law enforcement officers take on a huge role before their community. By doing so, these individuals take an oath of honor before officially exercising their police powers. When police officers are sworn, they vow to support, obey, and defend the Constitution of the United States (â€Å"Law Enforcement, 2013). 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Allegations a bound concerning police brutality with police officers using unnecessary or excessive force, committing battery, conducting illegal body searches and bullying. Minority communities suffer most from the effects of police brutality because they have the least power and face detrimental consequences from law enforcement authorities. TheRead MoreThe Role Of Homeland Security From The United States Constitution1398 Words   |  6 Pagesearly organization of what became make key component of Homeland Security. President Carter appointed John Macy in charge of FEMA, however the administration still remained a conglomerate of multiple agencies who were acting independently of one another (Oliver, 2007). President Clinton utilized FEMA for multiple natural disasters that occur during his presidency (Oliver, 2007). President George W. Bush appointed a new director of FEMA in 2001, and soon faced some of the greatest challenges in the