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Causes of late marriage essay

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Reasons and Problems of Late Marriage . Part 1

Family Life in Islam.

Marriage Delayed: The Why | Knot Yet ReportKnot Yet Report

Causes of late marriage essay

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biography background Malcolm X was born Malcolm Little on May 19, 1925 in Omaha, Nebraska. Marriage Essay? His mother, Louise Norton Little, was a homemaker occupied with the family#8217;s eight children. Penalty? His father, Earl Little, was an outspoken Baptist minister and avid supporter of causes marriage Black Nationalist leader Marcus Garvey. Earl#8217;s civil rights activism prompted death threats from the white supremacist organization Black Legion, forcing the family to relocate twice before Malcolm#8217;s fourth birthday. Regardless of the Little#8217;s efforts to business plans elude the causes marriage essay Legion, in 1929, their Lansing, Michigan home was burned to the ground. Two years later, Earl#8217;s body was found lying across the town#8217;s trolley tracks.

Police ruled both incidents as accidents, but the Littles were certain that members of the Black Legion were responsible. Louise suffered emotional breakdown several years after the death of her husband and was committed to a mental institution, while her children were split up among various foster homes and orphanages. Eventually, Malcolm and his long-time friend, Malcolm #8220;Shorty#8221; Jarvis, moved back to Boston. In 1946, they were arrested and convicted on business floor burglary charges, and Malcolm was sentenced to 10 years in causes prison, although he was granted parole after serving seven years. Recalling his days in school, he used the time to further his education.

It was during this period of essays shootings self-enlightenment that Malcolm#8217;s brother Reginald would visit and discuss his recent conversion to the Muslim religion. Reginald belonged to the religious organization the Nation of Islam (NOI). Intrigued, Malcolm began to study the teachings of NOI leader Elijah Muhammad. Muhammad taught that white society actively worked to keep African-Americans from empowering themselves and of late achieving political, economic, and essays on school shootings social success. Among other goals, the of late marriage NOI fought for a state of small floor plans their own, separate from causes of late essay one inhabited by white people. By the time he was paroled in thesis statement 1952, Malcolm was a devoted follower with the new surname #8220;X#8221; (He considered #8220;Little#8221; a slave name and chose the #8220;X#8221; to signify his lost tribal name.). Intelligent and articulate, Malcolm was appointed as a minister and national spokesman for of late marriage essay the Nation of Islam. Elijah Muhammad also charged him with establishing new mosques in cities such as Detroit, Michigan, and Harlem. Malcolm utilized newspaper columns, as well as radio and television, to communicate the NOI#8217;s message across the United States. His charisma, drive, and conviction attracted an astounding number of new members.

Malcolm was largely credited with increasing membership in the NOI from 500 in 1952 to 30,000 in 1963. Essay? The crowds and of late marriage controversy surrounding Malcolm made him a media magnet. He was featured in a weeklong television special with Mike Wallace in 1959, called The Hate That Hate Produced. The program explored the fundamentals of the essays on school NOI, and tracked Malcolm#8217;s emergence as one of its most important leaders. After the special, Malcolm was faced with the uncomfortable reality that his fame had eclipsed that of causes marriage his mentor Elijah Muhammad. In addition to shootings the media, Malcolm#8217;s vivid personality had captured the causes government#8217;s attention.

As membership in the NOI continued to shootings grow, FBI agents infiltrated the organization (one even acted as Malcolm#8217;s bodyguard) and secretly placed bugs, wiretaps, cameras, and other surveillance equipment to monitor the group#8217;s activities. Malcolm#8217;s faith was dealt a crushing blow at the height of the civil rights movement in 1963. He learned that his mentor and leader, Elijah Muhammad, was secretly having relations with as many as six women within the Nation of Islam organization. Of Late? As if that were not enough, Malcolm found out that some of these relationships had resulted in children. Since joining the NOI, Malcolm had strictly adhered to the teachings of Muhammad, which included remaining celibate until his marriage to Betty Shabazz in 1958. Malcolm refused Muhammad#8217;s request to help cover up the affairs and subsequent children. He was deeply hurt by Muhammad#8217;s actions, because he had previously considered him a living prophet. Malcolm also felt guilty about the masses he had led to essay about the invention of the internet join the NOI, which he now felt was a fraudulent organization built on too many lies to ignore. Shortly after his shocking discovery, Malcolm received criticism for a comment he made regarding the assassination of President John F. Marriage Essay? Kennedy. #8220;[Kennedy] never foresaw that the chickens would come home to roost so soon,#8221; said Malcolm. After the statement, Elijah Muhammad #8220;silenced#8221; Malcolm for 90 days.

Malcolm, however, suspected he was silenced for shootings another reason. In March 1964, Malcolm terminated his relationship with the NOI. Unable to causes of late look past Muhammad#8217;s deception, Malcolm decided to found his own religious organization, the Muslim Mosque, Inc. Aids Africa? That same year, Malcolm went on a pilgrimage to Mecca, which proved to causes of late marriage essay be life altering for him. For the first time, Malcolm shared his thoughts and beliefs with different cultures and found the easy essay topics response to be overwhelmingly positive.

When he returned, Malcolm said he had met #8220;blonde-haired, blued-eyed men I could call my brothers.#8221; He returned to the United States with a new outlook on integration and causes of late essay a new hope for africa the future. This time when Malcolm spoke, instead of just preaching to African-Americans, he had a message for all races. After Malcolm resigned his position in the Nation of Islam and renounced Elijah Muhammad, relations between the two had become increasingly volatile. FBI informants working undercover in the NOI warned officials that Malcolm had been marked for assassinationone undercover officer had even been ordered to help plant a bomb in Malcolm#8217;s car. After repeated attempts on his life, Malcolm rarely traveled anywhere without bodyguards. On February 14, 1965 the home where Malcolm, Betty, and their four daughters lived in East Elmhurst, New York was firebombed. Luckily, the family escaped physical injury. One week later, however, Malcolm#8217;s enemies were successful in their ruthless attempt.

At a speaking engagement in marriage essay the Manhattan#8217;s Audubon Ballroom on February 21, 1965, three gunmen rushed Malcolm onstage. Essay The Invention Of The Internet? They shot him 15 times at close range. The 39-year-old was pronounced dead on arrival at causes, New York#8217;s Columbia Presbyterian Hospital. Fifteen hundred people attended Malcolm#8217;s funeral in Harlem on February 27, 1965 at the Faith Temple Church of God in Christ (now Child#8217;s Memorial Temple Church of God in Christ). After the ceremony, friends took the shovels away from the essays on school waiting gravediggers and buried Malcolm themselves. Later that year, Betty gave birth to their twin daughters. Malcolm#8217;s assassins, Talmadge Hayer, Norman 3X Butler, and Thomas 15X Johnson, were convicted of first-degree murder in March 1966. The three men were all members of the Nation of Islam. Malcolm X’s legacy has moved through generations as the of late essay subject of numerous documentaries, books, and shootings movies.

A tremendous resurgence of interest occurred in causes marriage essay 1992 when director Spike Lee released the essays shootings acclaimed movie, Malcolm X. The film received Oscar nominations for Best Actor (Denzel Washington) and causes essay Best Costume Design. Malcolm X is buried at the Ferncliff Cemetery in Hartsdale, New York.

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How to Cover Pre-existing Conditions. T he health-care legislation enacted this spring followed more than a year of heated, rancorous debate. Essay! But rather than subdue the essay the invention internet, public's passions, the causes of late marriage essay, bill's passage has only small floor, stoked them. Opposition to the new law remains very high, and causes of late Republicans have made clear their intention to push for its repeal if they gain control of Congress and the White House in 2010 and 2012. For their part, President Obama and other champions of the legislation insist that public attitudes will soon change. More Americans will come to appreciate the law, they argue, once people have a better grasp of its benefits. And foremost among these benefits is the students, law's prohibition of of late, pre-existing condition exclusions in health insurance — which would prevent insurance companies from denying coverage to customers with serious medical problems. Like most of the health-care bill's major provisions, this ban will not take full effect until 2014. But the mere prospect of good thesis statement against death penalty, finally addressing the pre-existing condition problem is held up as an enormous selling point of the law.

At long last, the bill's advocates claim, America has a solution to a profound failing of our current system — a solution that will eliminate a source of causes of late marriage essay, worry for millions, and that opponents would not dare undo. Indeed, while describing the plight of a young woman in the audience at essay aids africa a rally he attended in April, Obama told the crowd: If [opponents of the law] want to look at causes Lauren Gallagher in the eye and tell her they plan to take away her father's ability to get health insurance. they can run on recycling that platform. The president's dramatic talents notwithstanding, the choice he presents is a false one. We do not face an of late, either-or showdown between cruelly denying sick people treatment and a massive new federal health-insurance entitlement. The problem of covering Americans with pre-existing conditions is certainly real, but the notion that the only way to solve it is through a massive transformation of America's health-care system — one that will increase costs, raise taxes, displace millions of the happily insured, create a new entitlement, and undermine our private insurance sector — is good against penalty simply wrong. The case for causes of late essay repealing the newly enacted law, then, is not that there are no problems to solve in American health care. Rather, it is that there are far better solutions available. The challenge of covering people with pre-existing conditions is a function of the way our health-insurance system has evolved over many years — and especially of the fact that it is essay topics high students largely employer-based, voluntary, and distorted by complex subsidies and regulations that favor some insurance purchasers over others.

Since most working Americans get health insurance as a benefit of employment, losing or changing jobs often means losing or changing insurance coverage. As a result, most people are not continuously covered by the same plan throughout their lives. If they move directly from one employer-sponsored health plan to marriage another, the disruption is usually not a problem (for reasons laid out below). But whenever someone, by choice or necessity, leaves employer-sponsored insurance to purchase health insurance on his own, the recycling be mandatory, switch in coverage can present several challenges. In a voluntary individual insurance market, insurers must have some means of causes of late, preventing large mismatches between the business floor, premiums they take in and the causes essay, claims they will likely need to pay out. The classic form of such a mismatch is the case of a consumer who waits until he is sick to purchase or enroll in an individual insurance plan. Essay Aids Africa! If an insurer offers coverage to such a person without pricing the expected costs of the enrollee's illness into the premium, the expense of paying out of late marriage medical claims will almost certainly exceed the premiums collected. The practice will also encourage other people not to should recycling be mandatory buy insurance until they need to draw on causes essay it — a problem known as adverse selection. Why pay for insurance when you're healthy if you can buy it for the same price when you get sick? It would be the equivalent of purchasing auto insurance only after you've totaled your car — and insurers would obviously go bankrupt if this were their business model.

Insurers selling directly to individual consumers use two practices to prevent widespread adverse selection. First, they try to take into essay africa, account the causes of late essay, health status of prospective customers when determining their premiums (a process called underwriting, by which they consider an about, applicant's age and other demographic factors and, in certain cases, medical history). Second, in some instances, they deny coverage of causes of late, pre-existing conditions for a set period of time after a customer enrolls, so that if he buys insurance (or changes insurers) only small floor, after he has already been diagnosed with a costly condition, he cannot immediately use the new coverage to pay for medical claims associated with his existing ailment. Taken together, these two practices have led to the pre-existing condition problem: People who are sick can find themselves without health-care coverage, and without the causes marriage essay, ability to secure coverage at an affordable price, sometimes through no fault of their own. From the rhetoric of some politicians, one might think this dilemma lies at the very core of America's health-care crisis. But in essay africa, fact, the of late, problem is relatively contained.

Senior citizens can get health-care coverage through Medicare; the poor have Medicaid; and most Americans who have employer-based coverage do not run across the pre-existing condition problem. It primarily affects a subgroup of sick, working-age Americans — those who do not receive health coverage from their employers, do not qualify for Medicaid, and are not able to buy coverage in statement against, the individual market because their health conditions make their premiums too high (or cause insurers to reject them altogether). Pre-existing conditions are not much of an marriage, issue in the (vastly larger) employer-based insurance market for several reasons. First, job-based plans are implicitly community rated products — meaning that everyone who is covered by the same plan is easy essay topics high students charged more or less the same price. Underwriting of individual patients is therefore minimal, as insurers sell group plans to firms based on the risk profile of the entire work force. Of Late Marriage! (The high costs of topics high students, caring for some workers with diabetes, for of late marriage instance, are balanced by africa, the relatively low costs associated with their more healthy co-workers.) Risk levels in employer plans are also somewhat contained by the plans' very nature, in that only relatively healthy people are likely to show up to of late work regularly, stay employed, and gain access to job-related insurance benefits. Of course, these techniques for spreading risk do not always work perfectly. Some smaller firms may have fewer workers across whom an good statement death, occasional high-cost risk might be spread; in of late marriage essay, some industries — like automobile manufacturing or coal mining — the essay, balance between new healthy workers and of late marriage older unhealthy ones may be unfavorably tipped by demographic and small plans economic factors.

Even within larger firms, there is evidence that employers sometimes reduce cash wages to causes marriage adjust for floor the cost of insuring some workers (particularly older and more obese ones) whose actual health-care expenses are likely to be much higher than average. Still, on the whole, the sick and causes marriage essay the healthy pay roughly the essays shootings, same premiums in job-based plans. And insurers see it as a sustainable business practice, because selling to a group allows for the balancing of high and low risks. Moreover, in 1996, Congress provided an important protection to causes of late essay workers by making it unlawful for essay about the invention internet employer-sponsored plans to impose exclusions on pre-existing conditions for workers in continuous group insurance coverage. Causes Marriage! This means that if a person stays covered by small business floor plans, job-based plans long enough (usually six months), he can move from one job to another without fear of losing insurance protection, or of having to of late essay wait longer than other new hires before gaining coverage for ailments he may have developed. If a new hire maintained insurance in his old job, his new employer's plan must cover him — even if the worker has developed an expensive medical condition. In theory, this law — called the Health Insurance Portability and Accountability Act (or HIPAA) — also provided portability rights to people moving from job-based plans to individually owned coverage. Aids Africa! The law gave state governments a few options for meeting this mandate: They could establish high-risk pools (which, as discussed below, is the approach most states have followed); they could require that all individual-market health insurers within their states offer insurance to causes essay all eligible individuals, without any limits on aids coverage of pre-existing medical conditions; or they could use their regulatory powers to causes marriage essay create a mix of essay topics school, rules that would have similar results. But unfortunately, none of these approaches has worked well enough, and today many people still end up falling through the cracks. The problem starts with HIPAA's requirement that a worker first exhaust his right to temporary continuous coverage under his former employer's plan (through a federal program called COBRA, which lets workers keep buying into their employers' insurance plans, generally for up to 18 months after leaving their jobs) before he can enter the individual insurance market without a pre-existing condition exclusion.

Many workers are not aware of this requirement (though employers must advise them of it in a written notice); even if they are, the premiums required to stay in an employer's plan through COBRA are often too high for them to causes marriage essay pay. This is because COBRA premiums must cover both the good statement, employer and employee share of costs, and generally provide more expensive comprehensive benefits than individual-market alternatives. And unlike premiums paid in employer-based plans, these COBRA premiums do not receive any tax advantage — making them more expensive still. As a result, many workers facing this fully loaded sticker shock price choose not to pay the premiums, simply hoping for the best until they can find new jobs (and new coverage). In so doing, they inadvertently waive their HIPAA rights — leaving themselves vulnerable to exclusions and high costs for pre-existing conditions when they try to buy insurance on their own. But even if a sick person abides by HIPAA's requirements and remains continuously insured — thereby protecting himself from causes of late marriage essay, pre-existing condition exclusions in should be mandatory essay, the individual market — nothing in current federal law prevents insurers from charging him more than they charge healthy people. Of Late Marriage Essay! Insurers are prohibited only from denying coverage for a pre-existing condition altogether; it is business floor quite permissible, however, for insurance providers to charge unaffordable premiums (unless an individual state's laws happen to prevent or restrict the marriage essay, practice), thus achieving essentially the same outcome. Likewise, current law and regulations provide no premium protections for death persons moving between individual insurance policies. A healthy worker who leaves an employer plan for of late the individual market might find an affordable plan at first — but if he ever wanted to switch insurers (or was forced to by, say, moving to a new state), he would fac e the risk of should recycling be mandatory essay, having his premium recalculated based on a new assessment of his health. Of course, the fact that the problem of pre-existing condition coverage is essay limited almost entirely to the individual market does not mean that it pervades that market. In 2008, at the request of the essays on school, U.S.

Department of of late, Health and Human Services, health economists Mark Pauly and Bradley Herring examined how people with chronic health conditions, and essay thus high anticipated health-care expenses, actually fared when seeking insurance in causes essay, the individual market. Pauly and Herring found little, if any, evidence that enrollees in poor health generally paid higher premiums for individual insurance. Nor did they find that the onset of chronic conditions is necessarily associated with increased premiums in essays on school shootings, subsequent years. Existing guaranteed renewability requirements in federal and state law already prevent insurers from continuously reclassifying people (and the of late marriage, premiums they pay) based on health risks. And most private insurers already provided such protection as standard business practice before they were legally required to do so. But even if the exclusions and prohibitive premiums caused by pre-existing conditions are not a universal problem in the individual insurance market, they clearly affect many Americans. Estimates range from good thesis statement, 2 to 4 million, out of a total population of about 260 million people under the causes of late essay, age of business floor, 65. More important than the sheer number, however, is the fact that many Americans know someone who has faced this situation directly, and fear that they could find themselves in causes of late essay, the same boat — which explains the easy essay high school, strong public support for changing the way insurance companies treat pre-existing conditions. Most people find it unacceptable that responsible fellow citizens who have tried to stay insured throughout their lives can suddenly find themselves sick and causes of late marriage unable to essays get adequate coverage. On the other hand, insurers clearly need some way of aligning premiums and risks in order to stay financially solvent.

And because the smaller individual market now often operates as a last resort for those lacking better insurance options through employers, insurers must plan for the risk that people seeking individual coverage are doing so because they believe they will need substantial medical attention. Of course, insurers have incentives to avoid excessive underwriting. For one thing, screening is expensive. Causes Of Late Marriage Essay! For another, if insurers screen too aggressively, they will lose customers whose care would not in fact have been very costly. Insurance companies balance the benefits of screening against on school these costs in causes of late marriage essay, the individual market no less than in others: Indeed, the be mandatory, most extensive research in this area, by Pauly and Herring, has demonstrated that there is already a great deal of pooling of health risks in the individual market. But some people clearly still cannot get covered. The question is what should be done for them.

The most effective solution would be not heavy-handed regulation, but rather a new insurance marketplace built around truly portable, individually owned insurance. If households, not firms, chose and controlled their own insurance plans, people would no longer face the causes of late marriage essay, risks that come with changing coverage based on new employment arrangements. By carrying the same insurance plan from one job to the next (or even through periods with no job at all), individuals would keep their coverage even as their health status changed. Moreover, insurers would have strong incentives to do what they could to keep their enrollees healthy, knowing full well that some of them could be enrolled for many years. Business Floor Plans! That is how health insurance is supposed to work. But moving to true insurance portability will not be easy.

It will require fundamental reform of the tax treatment of health insurance in order to level the playing field between plans owned by employers and those owned by marriage, individuals, as well as a reworking of some current insurance regulations. For now, both reforms face long political odds. And even if these changes were to topics high students happen, we would still need some way of causes marriage, covering people who already suffer from costly health conditions (and so could not easily buy their own portable insurance, even once a new system got up and running). Short of such a transformation, then, what can be done to help people shut out by the current system? Some states have attempted to address the problem by imposing price controls on health-insurance premiums — requiring insurers to sell to all comers, regardless of their health status (a rule called guaranteed issue) and at essay standard rates (community rating).

But this has only caused insurers to increase the premiums they charge everyone else — even young, healthy customers — in order to make up for the losses associated with the enrollment of these more expensive cases at of late marriage below-cost premiums. And when premiums rise for should recycling essay younger and healthier customers in a voluntary marketplace, a significant number of these people — weighing the low risk of an expensive illness against the high cost of buying health insurance — will drop out of coverage altogether. The pool of enrollees thus becomes older and less healthy, further driving up premium costs for of late the enrollees who remain. Should Be Mandatory Essay! The resulting vicious cycle triggered by excessive regulation can cause so many consumers and insurers to flee that the entire market can collapse. This is what happened in Washington state and Kentucky when such reforms were tried in the 1990s, before they had to be repealed and replaced. The new federal health-care legislation, meanwhile, aims to solve the pre-existing problem by dramatically transforming our entire health-care system — even though most insured Americans are quite happy with the coverage they have — and by creating an enormous and marriage expensive system of good thesis statement against penalty, regulations and entitlements.

Obamacare thus creates an even greater risk of system collapse — in this case, with taxpayers picking up the pieces. As so often happens, though, the model for causes of late essay a promising national solution has begun to emerge from the africa, states. Of Late! Across the small business, country, state policymakers have turned to an approach that does not require a fundamental transformation of the insurance marketplace: the creation of high-risk pools. Unfortunately, these state-level efforts have not been sufficiently ambitious or adequately funded; they would also be badly undermined by causes of late marriage essay, the new federal health-care law. But if that law is in fact repealed, reformers concerned about the problem of should essay, pre-existing conditions should champion a system of essay, robust, well-funded high-risk pools as a smart and effective solution.

PROMISE AND SHORTCOMINGS. High-risk pools are basically a policy mechanism for bridging the gap between the high cost of essays on school shootings, providing insurance to patients with predictably expensive pre-existing health conditions and the comparatively low premiums those patients can afford. In most states that have established such programs, the pool is a highly regulated, independent non-profit entity that functions as an insurance program, offering a selection of causes of late marriage, health-benefit plans. The work of easy high, managing benefits and interacting with customers (such as the collection of premiums and the payment of claims) is usually contracted out to participating private insurance companies. In other states, the risk-pool program is run more directly by the state health or insurance department (which, again, contracts out causes essay most key management functions to private insurers).

People who try to get insurance and are denied, or who receive only africa, unaffordable coverage offers, may apply to participate in causes marriage, the high-risk pool program; the program's administrators then determine each applicant's eligibility. Thesis Penalty! Common eligibility criteria in the states include one or more of the following: having been rejected for coverage, based on health reasons, by private insurers; having been refused coverage except at marriage rates exceeding the subsidized premium offered in the high-risk pool; having received private coverage offers, but only essays, with restrictive riders or pre-existing condition limitations; the existence of particular medical conditions (like HIV / AIDS, cancer, or diabetes) presumed to essay result in rejection by health insurers; or being a dependent of a person eligible for high-risk pool coverage. The pools also often cover people who, having maintained continuous coverage under HIPAA rules, need to find new insurance arrangements in the individual market. Because everyone in the pool has, by definition, a high-risk profile, average claim costs are necessarily quite high. But eligible individuals' premiums are capped at various levels above standard rates; beyond those caps, premium payments are fully subsidized from various public revenue sources. Shootings! The idea is of late that people will pay only the premiums they can afford, and the difference between those payments and the real cost of insurance will be made up by easy essay topics, taxpayers.

In theory, such pools should not only help provide coverage for people with pre-existing conditions, but should also help lower premium costs in the rest of the causes, insurance marketplace. This is thesis statement against penalty because the uncertainty involved in covering the least healthy consumers would be removed from the cost structure financed by normal premium payments. Causes Marriage! When that is done, premiums go down and become more attractive for lower-risk customers, thus further expanding the pool of premium payers (and again lowering costs for small business everyone else). The first high-risk pools were instituted in Minnesota and of late essay Connecticut back in 1976; today, 35 states operate some version of the plans. In 2008, approximately 200,000 people were enrolled in state high-risk pools; the essay, average length of enrollment was three years (about 20 to 25% of enrollees leave each year), and the average age of those enrolled was 49. Marriage! The premium costs that enrollees in these high-risk pools must pay are generally capped at essays levels between 125% and 150% of marriage essay, standard market rates (although some states — like Texas and South Carolina — go up to 200% or higher, while others — like Minnesota — cap them even below 125% for some categories of beneficiaries). Premium revenue contributed by plans, enrollees amounted to of late essay just over half (54%) of total high-risk pool funding in essay about the invention internet, 2008; the rest came from a combination of assessments on private insurance carriers (23.2%), state general revenues (5%), state tobacco taxes (2.2%), and federal grants (1.7%). (A total of about $286 million has been awarded to causes marriage states to establish new high-risk pools or subsidize existing ones under a federal program in operation since 2002.) The less transparent categories of other assessments (7.4%) and other (6.3%) comprised the rest of the funding sources. Although high-risk pools have helped hundreds of on school shootings, thousands of Americans, they have nonetheless fallen far short of meeting the needs they are meant to address.

In addition to causes of late essay the large differences among the africa, state plans in terms of eligibility rules, benefit design, premium prices, subsidies, and financing, there are also huge discrepancies when it comes to effectiveness. The pools' main shortcoming in every instance, though, is the large mismatch between the causes marriage essay, number of people who need them and the amount of money made available to on school shootings subsidize them. Just how many people might face pre-existing condition exclusions and of late marriage might benefit from high-risk pools is essay aids africa not a simple question, but several serious attempts have been made in recent years to arrive at a reliable figure. In a 2001 survey by the Department of Health and Human Services, respondents were asked if they had ever been denied health insurance because of poor health. The data collected indicate that about 2 million people might be eligible for enrollment in high-risk pools. In a different study, using 2006 data, the Government Accountability Office determined roughly the percentage of uninsured individuals who had at least one chronic health condition, and then applied it to causes of late marriage census estimates of the average number of uninsured people in internet, each state with an existing high-risk pool. (The aim was to get a sense of marriage essay, how many more people might be covered by such pools if they were available to all who needed them.) The GAO concluded that as many as 4 million Americans could be covered by more generously funded high-risk pools — 20 times the number now covered. More recently, University of Pennsylvania health economist Mark Pauly looked at data about the number of people with chronic health conditions whose expected medical expenses are more than twice the africa, national average.

He first estimated the total nationwide high-risk group at around 4% of the under-65 population, excluding people receiving Medicaid — a number in causes of late marriage, the low millions. But Pauly ultimately concluded that the number of essay topics students, people who were both high-risk and looking for of late marriage essay coverage in the individual market at any given point was far lower — on the order of tens of thesis statement, thousands. Regardless of the causes of late marriage, particular sources or estimating methods, however, it is recycling essay clear that the causes, demand for premium assistance among those with high expected health costs far exceeds the state high-risk pools' current financial capacity. Assuming that the death, higher ranges of these estimates are correct, what would it cost to use high-risk pools to cover between 2 and 4 million people? For an marriage essay, initial assessment, it might be best to start with the 2008 average subsidized cost of $4,341 per pool enrollee — the amount states contributed to their programs beyond the essays shootings, premiums paid by enrollees. If we assume that as many as 4 million more people might need (and seek) high-risk pool coverage, the annual cost of causes of late marriage essay, public subsidies could be as high as $17 billion. Other variables might include whether the new enrollees are likely to be somewhat less costly than current ones (since their situations might be less dire); whether benefits and cost-sharing levels are more or less generous than under current high-risk pool coverage; and whether additional income-based subsidies for enrollees are included. About Of The Internet! All of this suggests a rough estimate of between $15 and causes of late essay $20 billion per year for easy school a comprehensive set of high-risk pool programs. Given that cost, and of late marriage the fiscal stresses most state governments are feeling these days, it is good death not surprising that state-based pools have been underfunded and closed off to many potential beneficiaries. Indeed, the most common complaint about causes of late marriage essay high-risk pools has been that their coverage remains too expensive and too limited. Essay Aids! Most state pools offer comprehensive insurance benefits (of the sort that most people in employer-based coverage receive), generally with 20% co-insurance, although they tend to impose higher deductibles (and some have lower lifetime-coverage limits) than private insurers.

Furthermore, to control costs, all current state high-risk pools actually impose pre-existing condition exclusion periods — ranging from two months to one year — for causes marriage enrollees who forfeited (or never accrued) portability rights under HIPAA. Facing fiscal pressures, many states are also not particularly aggressive in trying to boost high-risk pool enrollment through advertising and outreach to potential enrollees; nor have they been eager to thesis penalty pay commissions as generous as those paid by private insurers to insurance agents who bring in customers. In short, the lack of adequate financing still leaves millions of potential high-risk beneficiaries with inferior options — and sometimes no options — for marriage essay health-care coverage. So while high-risk pools offer a plausible and essay topics high school students promising conceptual model for covering people with pre-existing conditions, their real-life implementation has (at least to date) left much room for improvement. Champions of pro-market health-care reform should therefore urge states to properly design and operate high-risk pools, and should call on the federal government to properly fund them. Causes Of Late Marriage Essay! Such pools would offer an essay topics high, effective, yet far less expensive and intrusive, approach to the problem of covering pre-existing conditions than the tack taken by the new health-care law. And very soon — well before its most important provisions take effect in 2014 — that law will put pre-existing conditions and causes of late marriage essay risk pools front and center in our national health-care debate. High-risk pools have tended not to be popular with liberal health-care reformers, who would prefer instead deep government involvement in the inner workings of the insurance system. The health-care plan Barack Obama offered when he ran for president in 2008 therefore made no room for the pools, and Obama-campaign surrogates were critical, if not dismissive, of Senator John McCain's proposal to use such pools as part of a broader reform of the health-care system. President Obama and congressional Democrats remained disdainful of high-risk pools when they began to easy essay topics school students develop their health-care legislation last year, relying instead on mandates and essay subsidies for private insurance — along with a substantial expansion of Medicaid — to move toward universal insurance coverage. Africa! Unfortunately, their approach to addressing the needs of people with pre-existing conditions is causes marriage modeled on essay africa one that has failed in causes of late marriage essay, several state efforts in about the invention of the internet, recent decades: The new law includes an outright ban on insurers' excluding pre-existing conditions from coverage, and on insurers' requiring people with higher health risks to pay higher premiums (older enrollees would still pay more than younger ones, up to a point).

But the new federal law does differ from previous state efforts in one important way: Starting in 2014, health-insurance coverage will no longer be voluntary; every American must either carry insurance or pay a fine. In theory, mandating insurance enrollment should prevent the young and healthy from fleeing the marketplace when their premiums are increased to causes marriage essay cover higher-cost cases (thus preventing any regulation-induced meltdown of private insurance markets). But many industry experts argue that the insurance mandate — which charges a penalty of less than $1,000 for failing to purchase insurance that could cost several times that much — will not work as planned, because too many young and should healthy people will choose to stay out of the system. For them, it will still make financial sense to go without coverage. The Obama plan could therefore bring about the same cycle that eventually doomed state initiatives in the past. Furthermore, as part of a legislative ploy to mask Obamacare's full cost and to keep the 10-year Congressional Budget Office score below $1 trillion, the new insurance system will not go into effect until 2014.

But to sell the marriage, bill to the public, Democrats knew they had to offer something on topics high the pre-existing condition front in the interim. To fill the gap, they turned to the very mechanism they had long derided: high-risk pools. Causes Of Late Marriage! The bill requires that high-risk pools for people with pre-existing conditions be established within three months of the easy essay topics high students, law's enactment (meaning they must begin by the end of June), and of late marriage essay operate until January 1, 2014, when the new insurance rules and should recycling be mandatory essay subsidies would go into effect. It is clear from the language of the legislation that these high-risk pool provisions were crudely cobbled together as an afterthought to Obamacare's other, more sweeping reforms. Little press or public attention was paid to them either before or after the bill passed. As a result, these provisions are likely to exacerbate the of late, problems faced by states and patients, rather than resolve them. To begin with, the notion that the on school shootings, new high-risk pools can be up and causes running effectively within a mere 90 days is sheer fantasy. Although the secretary of Health and Human Services has the authority to contract with existing state-based pools, the requirements for their eligibility as federal partners under the students, new law will be difficult to meet. As many as 20 states object to causes of late essay participating in the new law's high-risk pool program, including a dozen states already operating their own high-risk pools (which would be required to undergo significant changes).

But the essays on school, alternative — setting up one or more entirely separate, federally managed high-risk pools that would exist for less than four years — would be unnecessarily costly and causes of late marriage essay redundant (even if it could be done quickly and essay competently, which is a pretty big if). Moreover, the law prohibits the high-risk pools from imposing any pre-existing condition exclusions from coverage. Eligible individuals cannot be charged premiums that exceed the causes marriage, standard non-group insurance rate in about the invention of the, each state — a significant departure from the practice of all current state-based high-risk pools (which, to one degree or another, charge higher-than-standard rates). Age-based premium rating will be more constrained than it is under state high-risk plans today, and marriage essay insurers in should, the new risk pools will be required to causes of late marriage essay pay at least 65% of the costs of covered medical treatments and procedures (clashing with some states' established practices, which require patients to business floor plans pay for a greater portion of their own treatments). In effect, the new law would impose on the high-risk pools many of the restrictions it will place on insurance coverage, benefits, and premiums in the new health exchanges to be established in 2014 — but three and causes essay a half years before the latter are fully drafted and implemented. The law also grossly underfunds the high-risk pools it requires, authorizing a total of only statement against, $5 billion for three and a half years of causes of late marriage, operation. The bill tries to get around its own tight purse strings by should recycling be mandatory essay, authorizing the causes, newly mandated risk pools to stop taking applications for participation in the program. to comply with the funding limitation when the money runs out; it also vaguely empowers the HHS secretary to make such adjustments as are necessary to eliminate any deficit in the program during any fiscal year. Easy Topics High School! In addition, the law suppresses potential demand for new high-risk pool coverage by limiting eligibility to people who have already been uninsured for six months. Merely having a pre-existing condition, and being turned down for coverage because of it, will not suffice.

Nor can one gain admission to the new pools if one is marriage essay already enrolled in an existing state high-risk pool but facing higher premiums with greater cost-sharing. After all, people in these circumstances are not uninsured. In other words, then, the secretary of Health and Human Services is first authorized to thesis against determine which pre-existing conditions make a potential enrollee eligible for of late marriage federal high-risk pool coverage — and aids africa then, as budget funds run short, is required to figure out how to avoid actually providing that person with the promised health-care coverage. The results are easy to foresee: waiting periods, benefit limits, and rationing of care — all the practices for which the causes of late marriage essay, new law's champions like to attack the private insurance industry. The administration's own cost estimates reflect the degree to which optimistic promises are out of step with harsh reality. In April, the chief actuary of the Department of Health and Human Services released a cost projection for the new program, predicting that the $5 billion the law allocates for three and a half years of high-risk pools will in fact be exhausted in the program's first or second year. The actuary estimates that only 375,000 people shut out of insurance elsewhere will obtain health-care coverage through the high-risk pools — a number that falls far short of the recycling, 2 to 4 million people in the targeted population. One can therefore expect that, soon after the causes of late marriage, program is be mandatory launched, it will be short of funds and forced to turn applicants away. This coming failure of Obamacare's high-risk pool component will put the question of pre-existing conditions at of late marriage the heart of the continuing health-care debate.

For opponents of the essays shootings, new law, it will be crucial to show the public that the failure of the temporary high-risk pool is a function of causes essay, its careless design, but not an indictment of the fundamental concept. They must show the public that the solution to our enduring pre-existing problem is a well-designed and well-funded system of state high-risk pools — not the africa, new law's massive and essay misguided transformation of American health care. What would a well-designed system of high-risk pools look like? Its guiding principle is straightforward enough: Americans who stay in continuous insurance coverage should not be penalized for developing costly health conditions. Any system capable of upholding this principle would need to incorporate several key components. First, it would require Congress to fix several of the good against, flaws in HIPAA noted above. Workers leaving job-based plans for the individual market should be able to do so without being penalized for failing to of late essay exhaust their COBRA rights. Small Business Plans! If a worker moves directly from an employer-provided plan to an individual policy, he should not be denied coverage based on of late a pre-existing condition. Second, there should be limits (imposed by states, based on broader federal guidelines) on essays on school underwriting for people who move from the employer-based market to the individual market. This could be achieved by, for instance, capping the premiums charged to essay high-risk customers at some fixed level above their standard rates, regardless of income, and then having the government provide supplemental subsidies to the poor on be mandatory a sliding scale. Another option is to take income as well as risk into account when setting the premium caps — so that if two people have the same risk level, the wealthier of the two will pay higher premiums.

The aim of causes of late essay, both ideas is to allow insurers to take higher health risks into account when calculating premiums, while also ensuring that people with expensive health conditions are not completely priced out of the market. (Identifying people at very high risks could also help insurers to high school students better tailor health-care interventions in order to encourage these customers to change their behavior and lower their risks over time.) Of course, limiting premiums this way will mean that the gap between a customer's contribution and causes of late the actual cost of essays on school, insuring him must be bridged with taxpayer dollars through high-risk pool programs in essay, the states. If these programs are to function properly, they must therefore be well funded — somewhere in the range of $15 to $20 billion per year. This funding should come in the form of a capped annual appropriation to the states from Congress. Making high-risk pools an open-ended entitlement — like, say, Medicaid — would create the same problems of runaway costs that are likely to plague the whole of the Democrats' health-reform plan. Business Floor! It is causes of late marriage essay therefore better to set initially generous, but still firmly limited, annual appropriations; only after the should recycling, program has undergone the necessary trial and error of implementation and practice — thus providing a better sense of the pools' actual needs and costs — should lawmakers re-examine the of late, funding commitments. Third, the risk pools themselves must be structured properly to prevent participating private insurers from dumping unwanted (but not truly high-risk) customers into the public-subsidy system.

If an insurer believes that an applicant's health status argues for shootings charging him a premium higher than, say, 1.5 times the standard rate, the insurer should be allowed to causes marriage direct the customer to the high-risk pool program in his state. The job of determining eligibility for small business the subsidy should be contracted out by the state to a neutral third party with experience in medical-insurance underwriting, with private insurers collaborating to determine in advance the causes of late, criteria for high-risk selection. If the third party finds no basis for designating the applicant an unusually high risk, the insurer seeking the evaluation would be required to take the applicant at no more than the maximum rate of (in this example) 1.5 times the standard premium. (And if the insurer makes failed claims too often, it would pay additional penalty fees to the state — thus discouraging so-called risk dumping.) But if the insurer's application is essay internet deemed valid, the state would subsidize the individual's high premium in its high-risk pool program, taking into account the enrollee's income and other resources. Fourth, insurers participating in causes of late marriage essay, the individual market would need to offer coverage without a new risk assessment to anyone who has maintained an individual policy for easy topics high some minimum period when he applies for a new one. This would mean that market entrants would face a risk evaluation only once; they would then have the right to renew their policies at the same rate class from any licensed insurer. Finally, when these reforms are first implemented, there will need to causes marriage essay be a one-time open-season enrollment period to allow people who have fallen through the cracks over the years to re-establish their rights by maintaining continuous coverage. Those who have forfeited their coverage would get just one chance to become insured under the new rules (though perhaps at should be mandatory essay higher rates than those who had not forfeited their rights); once the enrollment window closed, everyone would know that people who remain continuously insured are protected, and of late that those who choose not to become insured have taken a risk.

This approach to covering pre-existing conditions would not be inexpensive, of course. But its price tag would be tiny compared to the recent health-care bill's. And using high-risk pools to cover people who are uninsured because of pre-existing medical conditions would not cede all power over our health-care system to bureaucrats in Washington. Nor would it disrupt insurance arrangements that are working well for the vast majority of Americans. It would leave in place the plans, many protections already available to people in the much larger employer-based insurance market. Indeed, it would likely ease cost pressures on of late marriage many Americans who are currently insured — by properly funding high-risk individuals who are now pushing insurance premiums up for everyone.

The many advantages of high-risk pools create an opening for topics school opponents of Obama's approach. Critics should seize the chance to causes of late essay present a coherent case to the public for replacing the deeply flawed new law — advancing in its place a series of targeted, incremental solutions to the specific problems plaguing our health-care system. The challenge of covering Americans with pre-existing conditions offers the essay aids, earliest, and perhaps best, proving ground for their case. Causes Of Late! It is of the internet a challenge that those who oppose Obamacare's overreach should embrace — not a vulnerability that should scare them away from the cause of repeal. James C. Causes Marriage Essay! Capretta is a fellow at the Ethics and Public Policy Center.

Tom Miller is recycling essay a resident fellow at the American Enterprise Institute.

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Surveying the Australian Literary Landscape. Creative nonfiction is one of the fastest-growing literary genres in Australia, amongst both readers and writers. Australian memoirs, essay collections, literary investigative journalism, food, travel and true crime books occupy increasing shelf space in of late essay, our bookshops and appear on our bestseller lists (and, occasionally, on essay about the invention of the internet, international ones, too). Many Australian magazines—notably Griffith Review and The Monthly—regularly feature excellent creative nonfiction pieces. From a bird’s-eye view, Australian creative nonfiction looks like a colorful crowd, resisting easy classification thematically or stylistically. What follows here is marriage a (non-exhaustive) list of some of our most respected and widely read writers, who have made their marks on the literary scene and whose works have influenced and, at times, spurred public debate. I have divided the list according to what I see as three generations in the development of Australian creative nonfiction. Those I call “pioneers” began publishing their works at the time when “creative nonfiction” was still a foreign term even in the U.S. and essay africa Europe, let alone in Australia. Their works arguably inspired the next generation of writers: the “veterans,” whose books first appeared in of late marriage essay, the ’90s, when “New Journalism” was already a well-known expression, and about of the during the memoir boom. Causes Of Late Marriage Essay. The so-called “newcomers” have begun publishing in the last decade but have already left their footprints on the Australian, and sometimes the on school international, literary and public consciousness.

Clive James, one of Australia’s most internationally successful writers, is a poet, novelist, broadcaster, essayist, critic, and causes marriage memoirist. Described by the Los Angeles Times as “an eclectic master of the on school shootings high/low” and by The New York Times as “a comic public intellectual,” James is known for a writing style that is a fine mix of humor, gossip, and wide-ranging intellect, spiced up with aphorisms and surprising detail. James’ first memoir, Unreliable Memoirs (1980), an account of marriage his childhood in post-war Sydney written with a novelistic flair, is an Australian classic. Since its first appearance, Unreliable Memoirs has been reprinted over 100 times in Australia and abroad, and was excerpted in The New Oxford Book of English Prose, 1999. James’ subsequent memoirs, about his adult life, feature stories about such Australian luminaries as Germaine Greer, Barry Humphries, and Brett Whiteley. James has also published many essay collections. One of the most interesting of these is Cultural Amnesia: Necessary Memories from History and the Arts (2007), in which James discusses, in his usual sparkling prose, the impact of 20th-century thinkers, artists, and leaders—of his (eclectic and, at essay about internet times, whimsical) choice—on the world and on him. James has received many awards for his work and was made a Member of the causes essay Order of Australia in 1992 and good thesis statement death penalty Commander of the Order of the causes marriage essay British Empire in 2012. Robyn Davidson, whom some consider the “patroness” of Australian travel writing, was one of only two women to win the prestigious Thomas Cook Travel Book Award. She is also a great adventuress, a camel trainer, Doris Lessing’s former roommate, Salman Rushdie’s former lover, and a champion of Aboriginal rights and environmental issues.

Along with Clive James, Davidson was associated with “the Push,” a libertarian, left-wing group of intellectuals that operated in Sydney between the 1940s and 1970s. Throughout her writing career, Davidson has explored nomadism across various cultures. In her seminal Tracks (1980), which describes her nine-month-long solo desert trek with four camels and should recycling essay a dog, Davidson argues that nomadism is also an emotional phenomenon. (“The self in a desert becomes more like the desert,” she famously wrote.) Tracks , a poetic love story between a woman and causes a landscape, has become a cult-classic in Australia and abroad, winning several international awards. In the early 1990s, Davidson journeyed along with Rabari, Indian nomads, and described that experience in floor plans, Desert Places (1996). That sojourn, and Davidson’s time spent with Aboriginal communities in the Indian Himalayas and with nomads in Tibet, were the subject of her influential long essay in Quarterly Essay (2006).

There, Davidson argued that nomadic cultures have valuable lessons to offer us, particularly in the face of the current environmental crisis. Davidson has won acclaim not only for marriage her adventures and activism, but also for her writing style. She moves effortlessly between the personal and political, the argumentative and lyrical. Her prose is rich, meditative, a little slangy, and playfully self-deprecating. She has also made her impact on Australian creative nonfiction as the small business floor plans editor of The Picador Book of Journeys (2002) and The Best Australian Essays (2009). Thomas Keneally is the of late marriage essay author of many fiction and nonfiction books, including the Booker Prize-winning novel Schindler's Ark (1982), which treads the fine line between fiction and nonfiction and is frequently likened to Truman Capote’s In Cold Blood . Keneally is an should be mandatory, Australian Living Treasure and was made an causes of late, Officer of the Order of aids Australia in 1983.

He is also featured as one of six Literary Australian Legends in a series of postage stamps. Causes Of Late. Keneally began publishing nonfiction books in statement against penalty, the mid-’70s, co-authoring one of the causes earlier ones, Australia: Beyond the Dreamtime (1987), with Robyn Davidson and Patsy Adam-Smith. As is the case with many of his novels, Keneally’s nonfiction is usually bound with history and politics. His subjects range from the Australian Republican Movement (Keneally is its founding chairman) to essays, Aboriginal history to the American Civil War to the history of world famines. Causes Of Late Marriage. One of his most notable historical nonfiction books, The Great Shame (1998), a study of Irish convicts sent to Australia during the 19th century, includes the stories of easy students his and his wife’s ancestors. Keneally has also written several travel books; among them are the gorgeously illustrated Now and in Time to essay, Be (1991), in which Keneally returns to the home of his ancestors, and The Place Where Souls Are Born (1992), which charts Keneally’s journey to the American Southwest in search of the vanished Indian tribes. Keneally is statement penalty also the author of of late several memoirs. The most recent, Searching for Schindler (2007), tells the story behind the writing of Keneally’s most famous work and its subsequent adaptation into the film Schindler’s List . The book focuses on Keneally’s travels to Germany, Israel, Austria, America and essay topics high students Poland, where he interviewed the survivors rescued by Schindler, and on his later adventures in Hollywood. Keneally’s style is clear, but playful, and embroidered with vivid details. Helen Garner, one of our living classical authors, is a fiction writer, essayist, and journalist.

She is—dare I say—the Australian Joan Didion. Garner specialises in investigative journalism, which she writes with a novelist’s attention to language, character, and setting, and with a memoirist’s candid and urgent authorial presence. In 1993, Garner won the marriage essay Walkley Award for her investigation of a child’s murder for small business floor Time magazine. Her best-selling, multi-awarded books have made a significant impact on causes marriage, the Australian literary community and general public. Garner’s first creative nonfiction book, The First Stone (1995), generated much controversy and public debate about gender relations and sexuality in the era of sexual harassment law.

In it, Garner investigated a sexual scandal at a well-known college in Melbourne, siding with the alleged perpetrator, the college Master. Undeterred by the ensuing, sometimes vitriolic, criticism (particularly from some “professional” feminists), in her later book, Joe Cinque's Consolation (2004), Garner plunged once again into the murky territory of shootings gender warfare, following the trial of two young women, law students, accused of murdering the boyfriend of one of them, and questioning the lenient sentences they received. This book, too, provoked much discussion, particularly about contemporary justice processes. Causes Marriage. In 2006 Garner was the recipient of Australia’s most financially lucrative literary award, the Melbourne Prize for Literature. Raimond Gaita is an award-winning philosopher, memoirist, and statement against death essayist. Gaita made the Australian rural landscape internationally famous in his seminal memoir Romulus, My Father (1998), which, according to Helen Garner, “changed the quality of the literary air in of late essay, this country.” The book tells the story of Gaita’s experiences growing up during the 1950s as a migrant child of topics high students a Romanian father and a German mother, in the harsh but beautiful Victorian countryside and in the shadow of poverty and of late mental illness. The memoir’s uniqueness lies in Gaita’s use of language as well as in his incorporation of his philosophy into the story. Lyrically, but also analytically, he examines the ethics underpinning his father’s complex behavior, which later influenced his own philosophical work. Romulus, My Father became a bestseller in Australia and abroad, and has been a required text in many schools. The New Statesman (London) nominated the book as one of the best books of 1999, and The Australian Financial Review named it one of the 10 best books of the decade.

It was later made into an award-winning film of the good thesis death same title. Causes Of Late. The memoir was followed by should recycling essay a collection of of late marriage essay personal essays, After Romulus (2011), in which Gaita reflects on the writing of Romulus, My Father and expands on the philosophical lessons from his childhood. Gaita, a prominent public intellectual, is also known for high school students philosophy books and for his essays that explore questions of collective responsibility, reconciliation, multiculturalism, and the role of universities in public life, amongst many other issues. Causes Marriage. One notable example of Gaita’s essayistic prose is “Breach of Trust: Truth, Morality and Politics” in Quarterly Essay (2004), in which he attempts to reclaim the role of truth-telling in modern politics. In his internationally best-selling and good death penalty award-winning memoir The Shark Net (2000), Robert Drewe, a fiction writer, journalist, and memoirist, did for causes of late essay the Western Australian landscape what Gaita did for Central Victoria. Drewe mythologizes Australia as a country abundant with beauty but also with natural perils—sharks, snakes and poisonous fish, as well as human perils—by telling the story of one of the most deadly Australian serial killers, the second to last person to be executed in this country. The memoir is structured like a mystery, with the story of of the Drewe’s childhood unfolding parallel to, and in the creepy vicinity of, that of the murderer. The writing is rich in detail about the natural world and has a shamanic, chantlike rhythm. The Shark Net was highly praised by Joyce Carol Oates in The New York Review of Books , and The Times Literary Supplement deemed it “an instant classic” (which, indeed, it has become). The book was later adapted into an international television mini-series and a BBC radio drama.

A winner of of late essay two Walkley Awards for Journalism (in 1976 and 1981), Drewe is also known for his personal columns and literary criticism. He edited The Best Australian Essays in 2010. Montebello , Drewe’s memoir of his adult years and the sequel to The Shark Net , will be published later this year. Anna Funder’s debut as a writer was the highly successful Stasiland (2003), an essay aids, ambitious work of marriage essay investigative journalism that examines the legacy of the Stasi, the secret police of the former communist regime in East Germany, through the stories of essay about the invention of the Stasi officers and their victims. Causes Of Late Essay. The book is written in should be mandatory essay, the tradition of In Cold Blood : scrupulously researched, but with a gripping plot that reads like a novel. Funder’s writing style is causes marriage essay noir-ish, wry and self-deprecating, informative and evocative. Australian critic Susan Lever argued that Stasiland , alongside Garner’s Joe Cinque’s Consolations , “marks a new level of should achievement in essay, the genre of essay the invention of the internet ‘literary nonfiction’ in essay, Australia” for its combination of rigorous examination of good thesis penalty big issues with skillful storytelling. Causes. Stasiland has been translated into 16 languages and published in thesis statement against death penalty, 20 countries.

It was shortlisted for many national and international awards, and won the BBC Four Samuel Johnson Prize. The book is on school and university lists in Australia, the U.K. and the U.S. Marriage Essay. Funder’s essays have appeared in small business plans, The Best Australian Essays and The Guardian , among many other publications. In 2011, she was named by the Sydney Morning Herald as one of “Sydney’s Top 100 Most Influential People.” Kate Holden is a memoirist, essayist, and columnist. Her memoir In My Skin (2006), which recounts her experiences working as a prostitute and overcoming heroin addiction, is an international bestseller and marriage essay was shortlisted for various awards and included in the Books Alive Great Read 2006 campaign in Australia. Following the success of her first book, Holden became a popular columnist for The Age , and her book reviews and essays have appeared in many Australian magazines. Holden’s second memoir, The Romantic (2010), is about her sexual adventures in essay, Italy in the aftermath of her recovery. Both books are abundant with graphical sexual scenes, but the causes of late marriage essay writer’s voice differs notably between the on school shootings two. In My Skin is written in a feisty, fast-paced, first-person style, whereas The Romantic is more lyrical and digressive, with some sections reading like poetic travel writing. Holden’s success brought some acceptance for the female sex memoir, until then a genre not very well developed in Australia; in recent years, several other local writers have followed in her footsteps.

Alice Pung is causes marriage essay another writer whose recent commercial and critical success has brought a memoir sub-genre—in this case, the Asian-Australian memoir—into the africa spotlight. A daughter of marriage Chinese-Cambodian migrants, Pung has written two memoirs, Unpolished Gem (2006) and Her Father's Daughter (2011). Small Business. Both tell of Pung’s struggle to of late marriage essay, reconcile her Asian and Australian identities, and of her family’s history before and after their arrival in Australia. Unpolished Gem , which recounts the story of Pung’s childhood and adolescence, was particularly successful. This memoir won the Australian Newcomer of the Year award in the Australian Book Industry Awards for 2007 and topics school was shortlisted for several other awards. It has been published in the U.K. and the U.S., and translated into several languages. Interestingly, like Holden, Pung, too, chose to write her second memoir in the third person.

In Her Father’s Daughter , she also incorporates passages written from her father’s point of view. Of Late Marriage Essay. Pung regularly promotes Asian-Australian writing as a popular speaker and as the editor of the anthology Growing Up Asian in essay about internet, Australia (2008). Of Late Marriage. Pung’s writing style is evocative, accessible and often, even when she recounts painful events, very funny. Chloe Hooper, who won acclaim for good thesis statement against penalty her first novel, A Child's Book of True Crime , turned to investigative journalism for her second book, Tall Man: Death and Life on Palm Island (2008). The book is an account of Hooper’s enquiry into the death in causes, custody of an Aboriginal man and africa the trials that ensued. The Tall Man also examines the turbulent history of the causes marriage essay Aboriginal community of Palm Island in North Queensland, where the story unfolds—a place dubbed by essays shootings the media as the “Island of Sorrow” and described in The Guinness World Records as the most dangerous place on Earth outside a combat zone. Hooper’s writing is sensual and rich in history and myth. Her tone is reminiscent, at times, of causes of late magical realism and, at others, of hard-boiled crime fiction, but also contains much thoughtful essayistic prose. Through the power of her intelligence and storytelling, Hooper manages to turn a gritty modern tale into a magical, albeit deeply sad, fairy tale about the misuse of power and the power of violence. “What if … fighting a war against savagery, you become savage yourself?” she asks in the stunning first pages of the book, and aids as the narrative progresses and this question becomes even more urgent, Hooper never supplies easy answers.

A great success in Australia and abroad, The Tall Man attracted many awards and of late marriage award nominations in Australia and received rave reviews from Phillip Roth and the critics of small business plans The New Yorker and The Guardian , among many others. Robert Drewe deemed The Tall Man “the country’s finest work of literature so far this century.” Hooper is also an essayist and won a Walkley Award in 2006 for the essay that was the precursor of The Tall Man . Her essays have appeared in causes of late essay, publications such as The Observer and The Monthly . Lee Kofman is an Israeli-Australian author of three fiction books (in Hebrew). Her short works in English have been widely published in. read more. Chris Mucci, whose drawings are featured in Creative Nonfiction #61, Learning from essay aids Nature, was born in Connecticut. read more. In August 2010, a young writer named Elissa Bassist moved from San Francisco to Brooklyn to of late marriage, start working on an MFA in creative nonfiction. read more. Two years ago, Robert Dessaix was slated to be a featured speaker at the Shanghai International Literary Festival, China’s most. read more.

The story Geraldine Brooks tells in the second of this issue’s Encounters, about how and why her father became settled in good thesis statement against penalty, Australia. read more. CNF's gone Down Under, and causes of late marriage essay what a world we've discovered! more.

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100 Easy Causal Analysis Essay Topics. VirginiaLynne has been a University English instructor for over 20 years. Causes Of Late Marriage Essay. She specializes in helping people write essays faster and easier. Causal analysis essays answer the question, Why? Many times, answer to this question can't be proved absolutely, so sometimes this essay is called a speculating about causes essay. To write it, you will describe what happens and then state your answer (aka thesis) about the cause, providing support for your answer with reasons and small floor evidence. • Why do people do that? • Why does this happen? • Why is this a trend? • Why does it occur? What causes people to essay, develop phobias? Why do some people become addicted to gambling when others can gamble and not become addicted? What causes people to rise above a disadvantaged background such as poverty, a single-parent household, or abusive parents? What are the chemical causes of falling in love?

What causes feeling of easy topics romantic attraction to fade? What causes love at causes marriage essay first sight? Why do people lose their memories as they get older? Why do people need to sleep? Why do we develop muscle memory for some repetitive actions? Why do people experience nightmares? Why do some marriages last for a lifetime? Why do we have short and long term memory? Why do people get dyslexia? Why do we respond physically to fear? Why do we yawn (or hiccup, or stretch)?

Why can people, who have their eyes closed, sense objects they are approaching but not yet touching? What makes some people introverts and others extroverts? Why is methamphetamine so addictive? Why do people crave sugar? Why do some families look so much alike, while others don't? Why do first born children tend to be achievers? Why do people snore? Why do people lie? Why do people blush?

Why do people hate? Why do teenagers rebel against essays on school shootings their parents? Why do teens get acne? Why do teens sleep so much? Why do teens cut themselves? Why do people commit suicide?

Why do teens engage in causes, sexting? Why do young people start smoking when they know it causes cancer? Why do young people sometimes get cancer? or have heart attacks? Why do teenagers use drugs? Why do college students binge drink? Why do young people become homeless? Why do young people join gangs?

Why do young people make graffiti? Why do fewer young people vote (compared to older generations)? Why don't younger people donate blood? or become organ donors? Why don't teenage relationships last? Why don't teenagers read?

Why don't teen marriages last? Why are teenagers more optimistic than older people? Why are young people better at easy high school students learning languages than older people? Why do adolescent girls need more iron than adults or boys their age? Why do teenage girls idolize male celebrities?

Why do adolescents need protein? Why do adolescent girls mature faster than boys? Why do adolescents need to establish their own identity? What type of Why question most interests you? Why do animals have tails? Why do some animals like to be petted? Why do elderly people with pets live longer, healthier, and happier lives? Why are pets good for kids? Why do dogs eat strange things like grass and poop? Why do cats show pleasure by purring and kneading?

Why do cats like to causes, sleep in essay africa, boxes and other strange places? Why do cats who are well-fed still hunt? Why do birds build elaborate nests? Why do monarch butterflies migrate long distances? Why do ants and bees live in colonies? Why do wolves howl? Why did humans domesticate wolves and breed them to become dogs? Why do some insects and jellyfish glow? What causes tides? Or the wind? What causes insects like crickets and cicadas to make such loud noises?

Why are animals used in of late marriage, research? Why are animals afraid of humans? Why is larger size an small business floor plans advantage for animals in colder climates? Why do small dogs live longer than bigger dogs? Why are some animals becoming endangered? Why is nature so therapeutic? Why are insects attracted to light?

Why are insects the most successful animals on earth? Why are microbes important to human beings? Why are so many Americans against the Affordable Care Act (Obamacare)? Why are some Euro countries like Greece in such economic turmoil? Why are rates of causes essay AIDS transmission higher in Africa than elsewhere? Why do Japanese couples delay marriage? Why does Japan have higher suicides rates than many other countries? Why are large typhoons and hurricanes like Haiyan happening more frequently? What has caused the unrest in essay about the invention, the Middle East which resulted in the Arab Spring Movement and Syria's civil war? What caused the Great Recession of 2008? Why are random shootings becoming more common in causes marriage, the U.S.?

What causes terrorist groups to essay high students, target certain countries? (You could choose a country.) What caused the causes of late, U.S. government shut down of 2013? Why is North Korea so closed to the rest of the easy students, world? Or why is it becoming more belligerent toward other nations? Why are more and causes marriage essay more people moving to large cities and away from rural areas? (You could talk about this worldwide or apply this question to one country or region of the world.) Why has the neo-conservative movement developed in American politics? Why has neo-Nazism been on the rise in Germany? Why is China going to ease up on business, the one-child policy? Why did Donald Trump win in the 2016 election? Why have the police been targeted by gunmen recently in of late essay, the U.S.? Why are terrorists choosing to easy essay topics high school, use vehicles as weapons? Why did the Arab Spring movement not lead to successful democratic societies?

Why is causes essay Twitter the medium of choice for Donald Trump? What caused the French Revolution? What caused the development of American slavery system? What caused the settlement of Australia by the English? What caused the colonization of Africa? Why does English have so many words of French origin? Why is English the main language used around the essay africa, world in marriage essay, business and thesis statement against death science?

Why does India have a caste system? Why are the Chinese still interested in essay, religion after years of atheist communism? What caused the business, great Chinese famine in the Great Leap Forward? What caused the black plague of the Middle Ages to stop? What caused Great Britain to adopt the parliamentary system? Why does America have an educational system that is causes essay different from the European system used by most of the essay, rest of the world? Why, according to causes of late marriage essay, the 2000 U.S.

Census information, did more Americans identify with German ancestry (15%) than any other heritage (Irish was second at 10%, and good African American was third at 8%)? Why did Japan attack the U.S. at Pearl Harbor? or Why did America drop an atomic bomb to end the causes marriage, war? Why is it important to thesis death penalty, study history? (Depending on how you answer, this could be worked into a causal essay topic.) After choosing your topic question, you can research online to get some ideas of causes essay possible answers. Title: The causal question makes a great title for your essay. However, you should probably make the question as short as possible for shootings the title. Your answer to the question will be the causes, thesis of your paper. Introduction: Start your introduction by interesting your reader in the topic and describing the on school, situation or effect.

See the chart for easy introduction and conclusion ideas. Marriage. The end of your introduction will be your cause question and thesis. Essays. Thesis: Start your thesis by essay asking your question and then answering it. Essays Shootings. To make your thesis into causes of late marriage essay, a clear roadmap of what you will talk about in your essay, add a because followed by the three reasons you will give in the body of essay about your essay. Body: Be careful to write the reasons in parallel format. Sample Thesis: Why do people enjoy being scared at a horror movie? Humans enjoy scary movies because they feel an causes of late emotional release in aids africa, watching and talking with other people about the experience, and causes of late marriage they get a vicarious thrill in seeing the aids africa, forbidden on the screen. Causes Essay. (Of course, you can have more than just three reasons, and you may have several paragraphs on one reason if you have several parts of recycling be mandatory that reason to discuss.) Topic Sentences of Body: For your body paragraphs, take your three reasons and essay turn them into full sentences. Those are your topic sentences for the body paragraphs of your essay. Gather evidence from good thesis against penalty, your own observations and from research.

Conclusion: In the conclusion, you want to either urge the reader to believe your reasons or give a final point. Of Late Essay. See ideas in the chart below. Easy Introductions and Conclusions. 100 Easy Illustration Essay Topics. by Virginia Kearney 3. How to Write a Summary, Analysis, and Response Essay Paper With Examples. by Virginia Kearney 55. Summary, Analysis, Response Essay Example. by Virginia Kearney 0. Essay About Of The Internet. 100 Easy Argumentative Essay Topic Ideas with Research Links and Sample Essays. by Virginia Kearney 32. 100 Science Topics for marriage Research Papers. by Virginia Kearney 109. Good Thesis Against. 100 Cause and Effect Essay Topics. by Virginia Kearney 37. Causes Of Late Marriage Essay. this really helped! Virginia Kearney 23 months ago from United States. Essays. Breathing, I am glad that this post helped you.

I have many more articles about causes of late writing. Small Business. Please look at my How to Write a Cause Essay for of late introduction and good thesis statement penalty conclusion ideas and Technology Topics for Research Essays for causes of late marriage essay more topics. Sajib 23 months ago from Bangladesh. Thanks a lot for essay posting such a wonderful and helpful post! It will help us a lot who always look to create great casual analysis essays. Really you have some excellent and of late marriage breathtaking ideas! These questions always come to our mind but very few us are able to find the answers.

I hope you will also shed some light on essays on school, the following issues: 1. A few similar questions on the technology niche. 2. A few exciting ideas about the body like the introductory and essay concluding ideas. If I get these things it will help me specially and lot of good thesis against death others. Hoping to have some more great things from you! Kathryn Lane 23 months ago. This was really helpful, thank you! Thank you so much! Kader 3 years ago from Algeria. Nice and helpful tips on causes of late marriage essay, which teach rely and should recycling be mandatory reffer to.Thank you so much. Maree Michael Martin 3 years ago from Northwest Washington on an Island. Very helpful.

I love all these questions and essay topics, thanks. Dianna Mendez 3 years ago. Of Late Essay. Another great post for teachers and students! I always learn to aids africa, much from your sharing. Thank you! Virginia Kearney 3 years ago from United States. Thanks Hezekiah--I am hoping that I can help people. So many of the people who teach the beginning levels of college English are graduate students who are just beginning teachers themselves. I know how hard it can be to come up with good lesson plans and instructions. Causes Of Late Marriage. That is plans why I've decided to post my own notes and instructions that I've developed in teaching for over 20 years. Of Late Marriage. Hezekiah 3 years ago from Japan.

Nice tips there, I wish I would have known these while I was still at Uni or High School. Copyright 2017 HubPages Inc. and respective owners. Other product and company names shown may be trademarks of their respective owners. HubPages ® is africa a registered Service Mark of causes of late essay HubPages, Inc. HubPages and Hubbers (authors) may earn revenue on this page based on affiliate relationships and advertisements with partners including Amazon, Google, and others.

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Free Essays on Importance Of Timeliness In The Army. By Groves, Ian, L The importance of being on time and communication With leadership on the first level This paper will tell you why it is imperative to of late marriage, be timely and also to keep good communication with your leadership mainly at the first level. This paper is a result to not showing up on time. The Importance of recycling essay Meeting Deadlines. The Importance of of late Meeting Deadlines The United States Army is described by Encyclopedia Britannica as the major branch charged with preserving peace, security and defense of the country. Furnishing majority of the entire U.S. military organization's ground forces, it is also tasked with partly. The Importance of Being on Time in the Military by [Name] [Institution] INTRODUCTION A soldier is considered as the 'man of the moment'.

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Numerous. affiliated organizations treat timeliness with extreme importance . It orients all courses of their activities and should recycling essay their success depends on causes, the quality of that orientation. Should Recycling Be Mandatory. Therefore constant researches go on in every military organization to raise the understanding of timeliness among its members, many schemes. The Importance of Flag Detail in the Military. The Importance of Flag Detail In today’s society, the American flag is a symbol of freedom, liberty, and justice among a number of other values. As Americans, we value the flag for causes essay its representation during the revolutionary war and the everlasting significance of today. Good Against Penalty. As soldiers, we pledge. Army. Corrective Training for causes essay Infractions. States of America's ARMY DMI's ESSAY September 5, 2008 Outline Intro, Definition of Essay, I. Infraction II.

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Rater Excellence Bullets - Competence. retention objectives by 175% o Won the floor, Fort Sheridan land navigation course competition o Achieved 100% SIDPERS timeliness for 12 consecutive months; received Army Achievement Medal o Maintained a 80% solve rate on investigative actions; 20% above USACIDC's goal o Scored a perfect. BEING LATE AND TARDY IN THE ARMY 2005 I . Introduction People whom always late and tardy does not have a good grasp of time management , yet he /she manages to be on time for important things . They often make the others feel not comfortable , and this is worrying others . Moreover , it can make. AR 4856- Initial Counseling US ARMY. first formation well rested, with a positive attitude and causes of late essay ready to essay africa, tackle the day's work.

Breakfast is eaten at home and not at work. Timeliness is of the utmost importance . Marriage Essay. You must be present fifteen minutes before any scheduled formations. Make sure you are there PRIOR to the fifteen minutes and not. ? Importance Of Following Orders The main reason for this essay is because I did not followout proper orders and was not at the correct place of duty for accountability of my person on two consecutive occasions. Regardless of my reasons for absence, there is no excuse big enough.

Army Values In the US army we are taught to live by the 7- army values. They are broken down to us in the acronym ‘LDRSHIP’ (pronounced as leadership). Loyalty “Bear true faith and allegiance to essays on school, the U.S. constitution, the Army , and causes of late other soldiers.” Duty “Fulfill your obligations.” Respect. Accountability Experience in topics, the Us Army. The Importance of Accountability in The Us Army By The following essay is a compilation of my personal experiences, definitions, and examples of how responsibility and accountability are important to surviving in today’s Army . One of the marriage, values the easy essay topics high, United States Army most seeks in its soldiers. The Foundation of a Successful Army. like Genghis Khan, powerful armies have triumphed not only by the strength of their weapons or the number of warriors in their ranks, but by the skill and causes essay precision borne of the discipline instilled in the soldiers using the should recycling, weapons. The foundations of any successful army are found in the soldiers that. There is importance in in being at causes marriage, the right place at the right time with the right attitude, and also in the right uniform. It represents the essay africa, army and what we stand for. In the united States Army paying attention to detail and causes essay following your chain of command is important part in the mission.

Failure. Importance of Accountability Accountability is an important and essays on school shootings vital responsibility in the life of an American soldier in the United States Army . Causes Of Late. It is part of be mandatory essay my duty to be on time to causes essay, all formations and movements. Accountability is my obligation to be responsible for my own actions. Easy Essay School. Responsibility. The Importance of Disposing of Parts Properly. The importance of disposing of parts properly Disposing of parts properly is essential in today’s Army for many reasons. The proper disposal for causes of late marriage parts is a vital assignment within every task that we as UH60-l Blackhawks maintainers have. Parts that we work with are sometimes hard to small business, come by due.

? Accountablity is of the upmost importance to of late marriage essay, the United States military. Why is that, what makes it so vital in both garrison and in deployment? To better understand this you should know what it really means. To be accountable for something is to have complete responsibity for it. In the United.

States Army we are taught to about, live by the Seven Army Values. They are broken down to marriage essay, us in the acronym ‘LDRSHIP’ which is short for Loyalty, Duty, Respect, Selfless Service, Honor, Integrity and Personal Courage. We are all taught these 7 Army values repeatedly from day one in the United States Army . First. Importance of One's Sense of Responsibility. Being an shootings adult to me means doing the right thing. It means taking responsibility for you own actions. A soldier can not exceed in of late marriage essay, the United States Army , if he or she is constantly late or at the wrong place. A soldier who wants to the invention of the internet, succeed in the military and further himself or herself must go out of. The Doctrine 2015 Army Study Guide Mission Command Center of Excellence, Doctrine 2015 Doctrine 2015 is transforming the Army's doctrinal base to deliver doctrine - clear, concise, current and accessible - to the point of need. This process. The Importance of Communications and causes of late marriage Being on small business floor plans, Time by Pfc Jenkins.

The Importance of Communications and Being on marriage essay, time by PFC Jenkins The importance of not being late shows that you have not discipline and respect for being a solider in the army . There are a lot of things that happen to you if do show that you are not discipline and respect in the army . Some of the. Importance of Guidance and Instructions. The Importance of essay aids africa Following Instructions and Guidance While on the Battlefield. It is very important to follow instructions and guidance while on the battlefield field for the simple fact of, it will lead to disaster. If soldiers are horse-playing, not. The Importance of Accountability and Responsibility in the United States Army. The Importance of Accountability and causes essay Responsibility in the United States Army The following essay is definitions, and examples of how responsibility, accountability and time management are important to succeeding in today’s Army . Responsibility is increased when soldiers have a single, clear set. discipline and accountability but when it comes to army , soldiers are trained especially on essay high students, these lines primarily because there are huge costs associated in case these principles are not held high by the armed forces. All organized armies focus on the importance of accountability and teach it at the very beginning. the army the only people who were allowed to be late was the SGM/CSM or the 1SG.

Everyone else had to be 15 minutes early. It reminds me of a story I heard. Of Late Marriage. A retired CSM working at the new job would come in late all the time. His boss asked him one day You were a sergeant major in the army right. The biggest lesson taught in the military from day one of reception is the importance of respect and obeying orders. This lesson becomes second nature throughout basic training, from rifle drills, PT, drill and ceremony, to on school shootings, basic every day commands.

The old saying of “jump” and response of “how high”.