Growth of Insurance Industry Post Liberalisation

GROWTH OF INSURANCE INDUSTRY – POST LIBERALIZATION INTRODUCTION : The journey of insurance liberalization process in India is now several years old. The first major milestone in this journey has been the passing of Insurance Regulatory and Development Authority Act, 1999. This along with amendments to the Insurance Act 1983, LIC and GIC Acts paves the way for the entry of private players and possibly the privatization of the hitherto public monopolies LIC and GIC. Opening up of insurance to private sector including foreign participation has resulted into various opportunities and challenges. CONCEPT OF INSURANCE : In our daily life, whenever there is uncertainly there is an involvement of risk. The instinct of security against such risk is one of the basic motivating forces for determining human attitudes. As a sequel to this quest for security, the concept of insurance must have been born. The urge to provide insurance or protection against the loss of life and property must have promoted people to make some sort of sacrifice willingly in order to achieve security through collective co-operation. In this sense, the story of insurance is probably as old as the story of mankind. LIFE INSURANCE : n particular provides protection to household against the risk of premature death of its income earning member. Life insurance in modern times also provides protection against other life related risks such as that of longevity (i. e. risk of outliving of source of income) and risk of disabled and sickness (health insurance). The products provide for longevity are pensions and annu ities (insurance against old age). Non-life insurance provides protection against accidents, property damage, theft and other liabilities. Non-life insurance contracts are typically shorter in duration as compared to life insurance contracts. The bundling together of risk coverage and saving is peculiar of life insurance. Life insurance provides both protection and investment. Insurance is a boon to business concerns. Insurance provides short range and long range relief. The short-term relief is aimed at protecting the insured from loss of property and life by distributing the loss amongst large number of persons through the medium of professional risk bearers such as insurers. It enables a businessman to face an unforeseen loss and, therefore, he need not worry about the possible loss. The long-range object being the economic and industrial growth of the country by making an investment of huge funds available with insurers in the organized industry and commerce. GENERAL INSURANCE : Prior to nationalizations of General insurance industry in 1973 the GIC Act was passed in the Parliament in 1971, but it came into effect in 1973. There was 107 General insurance companies including branches of foreign companies operating in the country upon nationalization, these companies were amalgamated and grouped into the following four subsidiaries of GIC such as National Insurance Co. Ltd. , Calcutta; The New India Assurance Co. Ltd. , Mumbai; The Oriental Insurance Co. Ltd. , New Delhi and United India Insurance Co. Ltd. , Chennai and Now delinked. General insurance business in India is broadly divided into fire, marine and miscellaneous GIC apart from directly handling Aviation and Reinsurance business administers the Comprehensive Crop Insurance Scheme, Personal Accident Insurance, Social Security Scheme etc. The GIC and its subsidiaries in keeping with the objective of nationalization to spread the message of insurance far and wide and to provide insurance protection to weaker section of the society are making efforts to design new covers and also to popularize other non-traditional business. LIBERALIZATION OF INSURANCE : The comprehensive regulation of insurance business in India was brought into effect with the enactment of the Insurance Act, 1983. It tried to create a strong and powerful supervision and regulatory authority in the Controller of Insurance with powers to direct, advise, investigate, register and liquidate insurance companies etc. However, consequent upon the nationalization of insurance business, most of the regulatory functions were taken away from the Controller of Insurance and vested in the insurers themselves. The Government of India in 1993 had set up a high powered committee by R. N. Malhotra, former Governor, Reserve Bank of India, to examine the structure of the insurance industry and recommend changes to ake it more efficient and competitive keeping in view the structural changes in other parts of the financial system on the country. Malhotra Committee's Recommendations The committee submitted its report in January 1994 recommending that private insurers be allowed to co-exist along with government companies like LIC and GIC companies. This recommendation had been prompted by several factors such as ne ed for greater deeper insurance coverage in the economy, and a much a greater scale of mobilization of funds from the economy, and a much a greater scale of mobilization of funds from the economy for infrastructural development. Liberalization of the insurance sector is at least partly driven by fiscal necessity of tapping the big reserve of savings in the economy. Committee's recommendations were as follows: †¢ Raising the capital base of LIC and GIC up to Rs. 200 crores, half retained by the government and rest sold to the public at large with suitable reservations for its employees. †¢ Private sector is granted to enter insurance industry with a minimum paid up capital of Rs. 100 crores. †¢ Foreign insurance be allowed to enter by floating an Indian company preferably a joint venture with Indian partners. Steps are initiated to set up a strong and effective insurance regulatory in the form of a statutory autonomous board on the lines of SEBI. †¢ Limited number of private companies to be allowed in the sector. But no firm is allowed in the sector. But no firm is allowed to operate in both lines of insurance (life or non-life). †¢ Tariff Advisory Committee (TAC) is delinked form GIC to function as a separate statuary body under necessary supervision by the insurance regulatory authority. †¢All insurance companies be treated on equal footing and governed by the provisions of insurance Act. No special dispensation is given to government companies. †¢Setting up of a strong and effective regulatory body with independent source for financing before allowing private companies into sector. COMPETITION TO GOVERNMENT SECTOR: Government companies have now to face competition to private sector insurance companies not only in issuing various range of insurance products but also in various aspects in terms of customer service, channels of distribution, effective techniques of selling the products etc. privatization of the insurance sector has opened the doors to innovations in the way business can be transacted. New age insurance companies are embarking on new concepts and more cost effective way of transacting business. The idea is clear to cater to the maximum business at the lest cost. And slowly with time, the age-old norm prevalent with government companies to expand by setting up branches seems getting lost. Among the techniques that seem to catching up fast as an alternative to cater to the rural and social sector insurance is hub and spoke arrangement. These along with the participants of NGOs and Self Help Group (SHGs) have done with most of the selling of the rural and social sector policies. The main challenges is from the commercial banks that have vast network of branches. In this regard, it is important to mention here that LIC has entered into an arrangement with Mangalore based Corporations Bank to leverage their infrastructure for mutual benefit with the insurance monolith acquiring a strategic stake 27 per cent, Corporation Bank has decided to abandon its plans of promoting a life insurance company. The bank will act as a corporate agent for LIC in future and receive commission on policies sold through its branches. LIC with its branch network of close to 2100 offices will allow Corporation Bank to set up extension centers. ATMs or branches with in its premises. Corporation Bank would in turn implement an effective Cash Flow Management System for LIC. IRDA Act, 1999 Preamble of IRDA Act 1999 reads ‘An Act to provide for the establishment of an authority to protect the interests of holders of insurance policies, to regulate, to promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto. Section 14 of IRDA Act, lays the duties, powers and functions of the authority. The powers and functions of the authority. The powers and functions of the Authority shall include the following. †¢ Issue to the applicant a certificate of registration, to renew, modify withdraw, suspend or cancel such registration. †¢ To protect the interest of policy holders in all matters concerning nomination of policy, surrender value f policy, insurable interest, settlement of insurance claims, other terms and conditions of contract of insurance. †¢ Specifying requisite qualification and practical training for insurance intermediates and agents. Specifying code of conduct for surveyors and loss assessors. †¢ Promoting efficiency in the conduct of insurance business †¢ Promoting and regulating professional regulators connected with the insurance and reinsurance business. †¢ Specifying the form and manner in which books of accounts will be maintained and statement of accounts rendered by insurers and insurance intermediaries. †¢ Adjudication o f disputes between insurers and intermediates. †¢ Specifying the percentage of life insurance and general and general business to be undertaken by the insurers in rural or social sectors etc. Section 25 provides that Insurance Advisory Committee will be constituted and shall consist of not more than 25 members. Section 26 provides that Authority may in consultation with Insurance Advisory Committee make regulations consists with this Act and the rules made there under to carry the purpose of this Act. Section 29 seeks amendment in certain provisions of Insurance Act, 1938 in the manner as set out in First Schedule. The amendments to the Insurance Act are consequential in order to empower IRDA to effectively regulate, promote, and ensure orderly growth of the Insurance industry. Section 30 & 31seek to amend LIC Act 1956 and GIC Act 1972. IMPACT OF LIBERALIZATION While nationalized insurance companies have done a commendable job in extending volume of the business opening up of insurance sector to private players was a necessity in the context of liberalization of financial sector. If traditional infrastructural and semipublic goods industries such as banking, airlines, telecom, power etc. have significant private sector presence, continuing state monopoly in provision of insurance was indefensible and therefore, the privatization of insurance has been done as discussed earlier. Its impact has to be seen in the form of creating various opportunities and challenges. Opportunities 1. Privatization if Insurance was eliminated the monopolistic business of Life Insurance Corporation of India. It may help to cover the wide range of risk in general insurance and also in life insurance. It helps to introduce new range of products. 2. It would also result in better customer services and help improve the variety and price of insurance products. 3. The entry of new player would speed up the spread of both life and general insurance. It will increase the insurance penetration and measure of density. 4. Entry of private players will ensure the mobilization of funds that can be utilized for the purpose of infrastructure development. 5. Allowing of commercial banks into insurance business will help to mobilization of funds from the rural areas because of the availability of vast branches of the banks. 6. Most important not the least tremendous employment opportunities will be created in the field of insurance which is a burning problem of the presence day today issues. CURRENT SCENARIO : After opening up of insurance in private sector, various leading private companies including joint ventures have entered the fields of insurance both life and non-life business. Tata – AIG, Birla Sun life, HDFC standard life Insurance, Reliance General Insurance, Royal Sundaram Alliance Insurance, Bajaj Auto Alliance, IFFCO Tokio General Insurance, INA Vysya Life Insurance, SBI Life Insurance, Dabur CJU Life Insurance and Max New York Life. SBI Life insurance has launched three products Sanjeevan, Sukhjeevan and Young Sanjeevan so far and it has already sold 320 policies under its plan. CONCLUSION : From the above discussion we can conclude that the entry of private players in insurance business is needful and justifiable in order to enhance the efficiency of operations, achieving greater density and insurance coverage in the country and for a greater mobilization of long term savings for long gestation infrastructure prefects. New players should not be treated as rivalries to government companies, but they can supplement in achieving the objective of growth of insurance business in india. THE GROWTH OF INSURANCE INDUSTRY – POST LIBERALIZATION Prepared by :ashish

It Is Better to Have Tried and Failed Than to Have Never Tried Essay

The saying â€Å"actions speak louder than words† can be applied to this scenario. Many people often dare to dream but fear stops them from ever moving forward on their goals. The fear of failure, of not knowing if it is possible to accomplish what may seem like the most unrealistic dream a person sets out to achieve. One example we can learn from is one of the greatest swimmer the world has seen, Ian Thorpe. Four time Swimming World’s Swimmer of the Year, Ian Thorpe once said, â€Å"I think it’s better to attempt something and fail than it is to not even attempt it, so I’m glad that I’ve been prepared to put myself on the line there. Till today, these words continue to ring in my head as I finally realised that it’s better to have tried and failed than not to have tried at all. Ian Thrope, born on the 13 October in 1982, is many times a World Champion and has won eleven World Championship golds, the third-highest number of any swimmer. He was also the Australian swimmer of the year from 1999 to 2003, 4 years running. After winning and earning so many prestigious awards, Ian Thorpe announced his retirement on 21 November 2006. After almost 5 years out of the swimming world, the swimming sensation decided that he would try to qualify for the 2012 Olympics in London. However, no matter how much he tried and the 110% he gave, he did not make it to the 2012 Olympics. Despite his many failures, he still remains as an international inspiration to many, teaching us that it is definitely better to tried and failed than not to have tried at all. Ian Thorpe’s story teaches us that even though we have the most unrealistic goals in life, it is more important to go down fighting, not leaving behind any last regrets. Failure is indeed our best teacher. Being able to go through failure would not kill a person, in fact, it would only make someone stronger. Even when failure sets in, it is good to know that one has given it their all. Even if it doesn’t work out as planned, it is better than looking back and not knowing what one could have done. Speaking from personal experience, failure is the mother of success, and without overcoming the challenge posed to me, I would not make it a step further. For example, ever since I stepped on the podium in the primary school swimming nationals, I have always wanted to have the chance to do it again in the secondary school, scoring more points for my school. This year was the last year the school nationals where I could have a chance on stepping on the podium once again and I made use of the opportunity I was given. I started training extremely hard, to a point where I was at the pool at 5 in the morning and back again after school at 4 in the afternoon for strength as well as water training. The number of times I would turn up could go up to ten times a week. This arduous task went on for four to five months and in between, I still had to make sure that I was keeping up with school curriculum. At the recent national schools, I competed and instead was placed 5th, missing the podium by a whopping one second. Although I failed to reach the goal I set out to achieve, I knew that there was nothing else I could do as I have always wanted to represent the country in the Combined School Games and the recent National Schools Swimming Championship would have been my chance to qualify for the games. I started training extremely hard, to a point where I was at the pool at 5 in the morning and back again after school at 4 in the afternoon for strength as well as water training. The number of times I would turn up could go up to ten times a week. This arduous task went on for four to five months and in between, I still had to make sure that I was keeping up with school curriculum. At the championships, not only did I not qualify for the games, I was also placed 5th, missing out on the podium placing. Although I failed to reach the goal I set out to achieve, I knew that there would be no regrets as I was defeated fighting. â€Å"Success is not final, failure is not fatal: it is the courage to continue that counts. † Although failure may be hard to face, if one doesn’t go down fighting, trying with maximum effort, that could be considered the greatest failure of all time.

Department of Homeland Security Research Paper Example | Topics and Well Written Essays - 500 words

Department of Homeland Security - Research Paper Example The U.S Department of Homeland Security follows the rules and regulations passed by the Congress and enacted by the President. The cabinet agency operates under the leadership of a Secretary appointed by the U.S President.Security was the fundamental reason of developing the U.S Department of Homeland Security. The agency has an ultimate vision of guaranteeing a safe, secure, and resilient homeland that is against terrorism and other potential hazards (Department of Homeland Security 1). Indeed, the agency operates under three key fundamental concepts of national homeland security strategy that include resilience, security, customs, and exchange. Furthermore, the development of the agency had five distinct homeland security missions that included securing and managing U.S borders, enhancing resilience to disasters, safeguarding and securing cyberspace, enforcing and administering U.S immigration laws as well as preventing terrorism and enhancing state security (Department of Homeland Security 1). The agency ensures that all of its regulatory initiatives comply with its guiding principles that relate to the protection of civil rights and civil liberties, integration of U.S actions, establishment of coalitions and partnerships, development of human resources, innovation, and accountability to the American citizens (Department of Homeland Security 1). The U.S Department of Homeland Security components define how the agency pursues its mission.The U.S Department of Homeland Security is currently.

Cultural Dimensions of Wal-Mart Case Study Example | Topics and Well Written Essays - 750 words

Cultural Dimensions of Wal-Mart - Case Study Example The cultural dimension affects not only the human resources, but the company is also affected by the culture of the country/ region of its operation. There were widespread protests in December 2006 against the game, "Left Behind: Eternal Forces". This game was being marketed by Wal-Mart. The Washington-based Council on American-Islamic Relations urged Wal-Mart to stop retailing this game. Their contention was that this video game propagated religious violence. The group reminded Wal-Mart of its corporate social responsibility to take along people of all culture and faith (UPI Security & Terrorism, 2006). Headquartered in Bentonville, Arkansas Wal-Mart Stores (Wal-Mart) is the largest retail chain in the world. Since it caters to a wide variety of customers, its HR strength too belongs to a wide range of culturally diverse groups and communities. The company operates retail stores in the form of supercenters, discount stores and neighborhood markets. Wal-Mart has its footprints in many big markets like US, UK, Canada, Brazil, Japan, China and Mexico. Besides the physical stores, the company also provides an opportunity to its customers to buy the products online from its website. Since the company's market base is very wide, it is very crucial for the company to take care of the cultural values and emotions of different communities, ethnic groups and societies. For example, now a days the company is actively pursuing its ventures into the Indian market. From the marketing perspective Indian market is said to be a potential market, therefore taking fullest advantage of globalization o f economy and rapid liberalization of Indian economy, most of the big companies/ MNCs are making it a point to see that their venture into Indian market sees light of the day as soon as possible. Wal-Mart too is in talks with a leading Indian business group Bharti Enterprises Ltd. (Bharti) for exploring business opportunities in the Indian retail industry. Indians are supposed to be very much protective about their values and cultures, for example though a vast majority of Indians enjoy non-vegetarian food, but some non-vegetarian items like beef and pork a strict no-no in the public domain, because of religious reasons. These items are not supposed to be advertised in the media, not to be sold publicly. Wal-Mart will have to take care of such sensibilities. In the context of cultural dimension, the 'Wal-Mart effect' is known to have a range of effects signifying the ways in which Wal-Mart carries out its business operations (Fishman, 2006). The Wal-Mart effect in essence is the reshaping of shopping habits, draining out of viability of traditional local shopping areas, downward pressure on the prices, and the success of a large business at the expense of its rivals. The company therefore tries to take into account the local character. Some of the strengths of Wal-Mart are its strong market position in US, a world class supply chain, and a strong portfolio of private label products. Farra (2006), states that while the principles of retailing could be universal but the actual implementation of these principles varies from country to country based on country, culture and context. A study conducted by A T Kearney finds out that from 2002-06,

Rhetorical Analysis Essay Example | Topics and Well Written Essays - 750 words

Rhetorical Analysis - Essay Example Discussion In a rhetorical analysis, one attempts to analyse how the artist (speakers/authors/filmmakers) attempt to persuade, motivate, and/or acquaint their audiences by viewing the different components that combine to make up the persuasive art (Black, 1965). Thus, we can say that rhetorical analysis is: Rhetoric Persuasive art Analysis Disintegrating something into its component parts, in order to interpret and understand how the broken down parts fit together and combine to form the final thing. Components of rhetoric: Rhetoric is generally divided into certain basic key areas: 1. Purpose: This comprises of trying to comprehend the intended objective of a speech or a text matter. 2. Audience: here one must try to locate the targeted audience, since a speaker/author's intended audience plays a significant role in the manner in which the speaker/writer addresses the targeted audience. 3. ... Logos: The appeal of logos refers to the application of reasoning by the speaker/author to address his audience. This is evident in the use of the statistical representations, legal analysis, definitions, and comparative analysis. There are various aspects within a rhetorical analysis: 1. Verbal Rhetoric (written and/or spoken) V/O narration; monologue, dialogue, captions, mode of address (formal/informal, eg ‘George’, ‘Mr Bush’, or ‘President’) 2. Presentational Rhetoric Tone of voice (as for example the differences in the tone of voice between the radio jockeys of two different stations) Style of dress Nature of setting Non-verbal communication Features in setting (as for example, authority of speaker enhanced by quiet location, bookshelves, pot plants, etc.; diminished by bustle, competing voices, etc) 3. Photographic (Framing) Rhetoric Type of shot (for enabling viewers to identify with a character’s emotions) Camera movements (moveme nt of the frame) Movement of objects in relation to camera (movement within the frame) 4. Editing Rhetoric Editing creates responses by juxtaposing images Editing rhetoric is conventional but dynamic Conventions themselves change over time (as for example, the passing of time) Speed of cutting – increased over time. Why might this be? Case study 1: Rhetorical analysis of the end scenario in Shawshank redemption The Shawshank Redemption is a movie where the chief protagonist Andy Dufreine maintained his hope even in face of daily tribulations and ordeals, he faced during his prison, this rhetoric was communicated to the audience through the perfect use of verbal, photographic, presentation and editing rhetoric throughout the entire movie.

Court Report Essay Example | Topics and Well Written Essays - 1250 words

Court Report - Essay Example The crimes and misdemeanors which the crown court holds it session for, include murders, manslaughter, and organized terrorism. The criminal offenses dealt in the crown court are divided into three classes according to the gravity of the crime. Class I offenses usually involve crimes on a large scale such as genocide, treason, and murder, which are exclusively under the jurisdiction of a high court judge. Class II offenses include incest, rape and manslaughter and such cases are also tried by a high court judge but they may also be tried by a circuit judge occasionally. Class III offenses are not handled by a high court judge unless the presiding judge’s consent is obtained and these offenses usually entail other instances of crimes and misdemeanors. (Jason-Lloyd, 1997, 18-21)The harshest sentence handed out by the judge is a life sentence and other ways of penalizing the offender such as community service, confiscation of property, discharges, and fines. Throughout my entire time in the courtroom, there was no case pertaining to organized terrorism and most of the defendants that were produced in the court were largely males, and mainly fell in the age range of 15 and 20. (YCAP. 2010)Most of the offenders were extremely young and this observational finding is vastly in concurrence with the statistical evidence that states that around 30% of the youth are involved in such activities. Other cases presented in the court were also instances of domestic violence and conflicts. (YCAP. 2010) Most of the issues and cases arose not only because of conflicts between complete strangers but also between people who knew each other and even family members came forth with grave instances of criminal offences. In one case, a young 18 year-old man was charged with assaulting a police officer at his place of residence due to some domestic dispute that led to the clash. (Smith, 2009; Rieff, 2001, 42-47) Though, I deem myself vastly naive as during my entire time in the co urtroom I was expecting

Answer questions Essay Example | Topics and Well Written Essays - 500 words - 1

Answer questions - Essay Example Divorce, advancing technology, or a generation gap does not make teens act fearful, vainly, or irresponsibly. This is part of a rite of passage into adulthood that all humans must go through. Teens have not lost their minds, they are acting out naturally. Teachers and educators must realize that these themes are a fact. Instead of trying to make teens conform and think like adults, teachers need to reach out to teens on their level. Instead of disregarding fears, teachers need to realistically come down on a teen’s level in order to counsel a teen effectively. For example, a teen girl comes to an educator with the confession that she is being abused physically by a boyfriend. It is real easy to say ‘leave him’. However, most adult women cannot leave an abuser. The teacher needs not only to speak with the teen, but recommend a counselor. Most teachers will go straight to the parents or the cops. This causes more problems for the teen. Teens need to be taught how to control the fear. Maybe peer counseling or a teacher can share past experiences as a teen. The most important factor would to understand the teen’s fear and not dismiss it. Another strong theme was about good teachers and not seeing enthusiasm for a subject. Teachers do get tired of teaching the same subject over and over. The same curriculum is used year after year, with a few changes like new books. Teachers must love the subject they are teaching, or they would not have majored in it. Instead of teaching the same curriculum over and over, teachers might try to change their schedules, activities, or assignments within the curriculum. For example, a history teacher could have used the 2008 election for exciting lessons on the Civil Rights, Susan B. Anthony, Vietnam, World War I and II (McCain’s father and grandfather), Africa, Kenya (Obama’s father), and other subjects. The options are endless. Math teachers could have

Eastman-Kodak Essay Example | Topics and Well Written Essays - 1500 words

Eastman-Kodak - Essay Example In 1975, Kodak invented the first digital camera. Hence they didn’t miss the digital age. But Eastman Kodak didn’t market their new technology. They feared that it would hurt their own lucrative film business, in spite of the fact that the digital products were revolutionizing the market. Sony and Canon took this near-sightedness of Kodak and charged ahead with their own digital cameras (Mui, 2012). When Kodak ultimately realized what mistake it did, it was all but too late for them. They saw their market share plummeting. Kodak didn’t recognize the business which they were in. They focussed more on selling more products, instead of concentrating on the business they were in, sharing memories (Kotter, 2012, p. 1). They were more determined on earring revenues through selling film and they though the photography business didn’t fit their business model. Hence they ignored the coming tsunami of new technology in the market. As their film business went from b eing and essential business into old fashioned one, the company could never recover. What opportunities & why did Kodak miss them? For past 15 years, digital technology has changed the photography business drastically. But Kodak, champion of analogy film business, was left behind. Kodak missed the chance to grab the digital market thrice. First miss was Digital Cameras. In 1995 it launched its first digital camera in the market, DC40. But Kodak never took advantage of this situation. Their whole business model was involving the film and printing business. It was not until 2011, that the company came out with EasyShare line for the cameras. But by them they were too late. The Second Miss is the Photo Sharing business. Kodak in 2005 launched the world’s first Wi-Fi enable camera known as EasyShare-One. Figure 1: EasyShare-One But the camera didn’t earn much revenue for the company. Hence Kodak decided to kill this product. But if the company had to foresightedness of understanding that the photo sharing was going to be the way people interacted with the photo, they might had thought about it twice. The same year when Kodak killed it, a group of engineers’ launched Eye-Fi, which had the same concept as EasyShare-One and became hugely successful. Nowadays photo sharing app is a killer app earning millions of revenues for companies. The Third Miss is Photo Viewing. Kodak was working on digital printers and digital photo frames, though it couldn’t understand the demand of it in the market. But when Kodak started to push for the photo frames with distinguishing features like batteries, Wi-Fi, the prices of the technology were falling, and it resulted in thin margins for the company. What did the competition do differently? Kodak couldn’t enter into the digital market at right time when it should have entered. Rather

Principles of Economics Essay Example | Topics and Well Written Essays - 750 words - 4

Principles of Economics - Essay Example For example, this figure is equivalent to 9% of the German and 8% of the United States’ per capita GDP. Furthermore, in terms of nature of resources, China has somewhat a small holds of resources based on per capita criteria, which is not even comparable to a developed country of a modest character. These facts reveal the extent of the economic gap between China and the developed countries, which sets it trailing behind (Wolf, 2005). To sustain the country on an economic growth path, the Chinese Government has the responsibility of making significant policy adjustments. These policies should be aimed at transitioning the country from middle-income to high-income status. This includes finding measures to address the social and environment imbalances, improving the access to healthcare and education, setting targets to reduce pollution, expanding social protection, and increasing the country’s energy efficiency (Wolf, 2005). The government should also make efforts to disc over a new road to industrialization, and modify the approach of economic development by developing a circular economy, changing the industrial structure, improving the traditional industries and supporting the strategic and emerging industries. The government of China should also promote use of information technology to support industrialization, which in turn can spur the country’s competitive advantage especially in respect to its expansive manufacturing industry. It would also be extremely important for the government of China to continue focusing on its regional development strategies, including turning around the tendency of widening regional economic gap such as supporting the development of the western regions. The idea of supporting development on certain priority zones can be achieved by setting the national spatial development in an orderly and coordinated manner, which should also include coordinating between urban and rural areas development (Sun, 2003). Question 2 When we say that we are engaged in a ‘global economy’, we mean that we are engaged in economic activities that are beyond a particular country’s borders. This includes a situation where international corporations stop relying on production within the mother country and extend their activities to many countries around the world. The global economy is concerned with globalization of production in areas such as finance, markets, labor force and communications (Ernst & Ozawa, 2002). When we talk of free trade, we are referring to a situation where the government of a certain nation eliminates all the artificial barriers to trade, which are usually established to protect the domestic producers from competition from the international market, particularly originating from the trading nations. Free trade is known to increase production because nations are given an opportunity to concentrate in production of those products that they have a competitive advantage. This e nables countries to enjoy efficiencies that come from increased output and economies of scale. Free trade also promotes the efficiency of resource allocation hence spurring production efficiency. This is because individual countries are able to exercise efficient use of resources, which potentially results to higher output (Ernst & Ozawa, 2002). On the other hand, despite the many benefits, there a number of disadvantages associated with free trade. This includes creation of structural unemployment as a result of removal of trade

Political Dialogue between Hitler and Stalin Essay

Political Dialogue between Hitler and Stalin - Essay Example Thesis statement: The imaginary political dialogue between Adolf Hitler and Joseph Stalin prove that Nazi and communist worldviews on key political issues are theoretically correct but practically disastrous. The Nazi and Communist worldviews on key political issues The Nazi ideology was based upon racial purity, Aryan domination and hatred against the Jews. James Giblin â€Å"There are no memorials to Adolph Hitler in Germany, the country he ruled with an iron hand from 1933 to 1945† (1). At the same time, this ideology was deeply influenced by Friedrich Nietzsche’s philosophy. On the other side, the Russian Communism was deeply influenced by Marxism which originated in Germany. At the same time the practical side of both these political ideologies (say, under dictators) proved to be disastrous. The imaginary political dialogue between Adolph Hitler and Joseph Stalin proves the same. A. On French Revolution Hitler: Good morning, Mr. Joseph Stalin, are you happy with yo ur manipulation of Communist ideology and its degradation in USSR? Stalin: Morning, see Mr. Hitler, you know nothing about the will power of the working class people. I represent the Communist Party in USSR, not dictatorship. If you know more about working class struggle, please tell me about French Revolution? Hitler: Ha, ha, ha. It was the most foolish attempt undertaken by the so called revolutionaries in France. Did they win anything? No. Were they able to overpower the world? Then why you people back up such a foolish act. I feel pity of you. Stalin: Your words prove your ignorance. See, French revolution deeply influenced the world history and it elevated the dignity and personal liberty of human beings in general. But you people will not try to understand the same as a human attempt to regain dignity because you do not believe in human dignity. William Doyle states that â€Å"In political terms pre-revolutionary France was an absolute monarchy† (21). Hitler: Again talk ing nonsense. You consider yourself as the messiah of revolutionaries, and then what is your role in USSR? Why you wear the mask of a Communist? Stalin: You are beating around the bush, without pointing out any important matters regarding political issues like French Revolution and it’s after effects. So, I feel better to conclude this matter. Thanks. Hitler: But you never reveal your real identity as a fake communist and a dictator. B. On American Revolution (1775–1783) Stalin: Mr. Hitler, what is the Nazi opinion on American Revolution (1775–1783)? Was it a revolutionary attempt undertaken by the Rebels in America? Hitler: Mr. Stalin, it was a lame attempt undertaken by anti-revolutionaries in America. Stalin: I was quite sure that Nazis will consider American Revolution as a lame attempt. But did the American revolutionaries in thirteen colonies of North America defeat the Great Britain? Hitler: See, the French, Spanish and Dutch conspiracy defeated the Briti sh forces, not the revolutionaries. Stewart Ross points out that â€Å"However, America’s revolution was more than just a military triumph† (8). Stalin: Ok. Who did authorize the British Parliament to impose direct taxation or the Stamp Act of 1765 in American colonies? What was the consequence? Did it accelerate the American attempt to form a shadow government? Hitler: See, your knowledge is not deep and the

Fast Food Essay Example for Free

Fast Food Essay Obesity is an epidemic that is sweeping over the United States today. It’s affecting both adults and children. With the increase in fast food availability and a decrease in the time most Americans have to prepare nutritious meals at home, it’s obvious why more people are eating at fast food restaurants. Obesity is a growing problem in the United States and more and more children are being affected. But do uneducated families have the right to put the blame on fast food restaurants for the health issues they could easily prevent? I believe that we are taking it too far by blaming fast food restaurants for obesity and that it is an individual’s responsibility to take the blame. While R. A. Ames The Food Isn’t to Blame and Richard Daynard â€Å"You Want Fries with That? † use different themes of blaming fast companies and individual decisions to underscore the effects of fast of food on America, the Rahul K. Parikh in â€Å"Indiana Jones and the Kingdom of Fats Kid† picks up the same theme, he blames advertisements for America’s Obesity. In the article, â€Å"Fast Food Isn’t to Blame? † R. A. Ames states that weight difficulties are the responsibility of the individuals and we should not blame the fast food industry or other biological and environmental causes. Human beings are individuals with the freedom to make their own choices. Nobody forces us to eat anything we do not want to. Choosing to eat fast food is all our own decision, and we put ourselves at risk for obesity. Obesity due to excessive consumption of fast food can only be blamed on our own actions. Fast food chains appear everywhere in today’s world. Home delivery of various foods is more accessible than ever before. These are common excuses when overweight people blame fast food industries for their bodies. Before reading these essays, I already had an opinion about fast food in my mind. I believed that if someone was overweight or obese, that it was no one’s fault but their own. In his essay, however â€Å"You Want Fries with That? † Richard Daynard explained why he believes that today’s fast food industry is largely responsible for the dramatic rise in obesity cases in both children and adults of America. Daynard discussed how the fast food industries played a large role in deceiving the public into buying their food. Daynard said that society needs to find a happy medium when dealing with the fast food industry, whether it be through lawsuits or some other action! Daynard also backed up his claim by using supporting statistics surrounding fast food and obesity in America over the years. Ames’s essay on the other hand used no statistics. He based his entire essay on personal opinion. His frequent use of the word â€Å"I† also made the essay less effective. Overall, Richard Daynard had a much more objective argument about fast food than R. A. Ames. Daynard used specific statistics, and facts about the fast food industry, and he kept himself out of the article for the most part. Daynard was very effective in making me believe his argument. Another essay I have compared R. A. Ames is with Rahul K. Parikh’s â€Å"Indiana Jones and the Kingdom of Fats Kid† . Both of these essays had strong opinions concerning who is to blame regarding obesity in America. The Fast Food Isnt to Blame was more persuasive I thought because it placed the blame for the obesity problem on the individual person and what he/she put into their bodies not on the fast food industries. According to R. A. Ames, â€Å"Americans tend to drive to Burger King and order a Double Whopper with Cheese with a King size fries instead of driving to a supermarket and pick up some turkey and whole wheat bread† (326). They are obese because they make a choice to eat fast food themselves, not because fast food chains force them to stop by their restaurants to eat their food. Ames went on to say that instead of people taking responsibility for being obese they are blaming the fast food industry. Ames compared obesity to smoking. He made this comparison because both can be deadly and that in the end you still have to put the cigarette in your mouth the same way you put a candy bar. After this Ames said that in the land of the free we are able to make our own decisions but with this freedom we as people have to be responsible for our decisions. Rahul Parikh said in his essay that â€Å"Parents need to take charge of what foods they’re buying and how they’re preparing those foods† (1). This statement is suggesting that instead of blaming fast food companies parents should control their children’s food buying habits. They should limit their television hours where they see all those advertisements that attract them to eat fast foods. Rahul said that companies use superstars, action heroes, cartoons to promote their products in the market that attracts people and mainly children’s. Rahul compared child advertisement to obesity and suggested that today children will see 40,000 advertisements in a year. In this huge number of advertisements, two third of those are for junk and fast food. Ames and Rahul were both arguing that it is our individual choices to eat fast food, so we should not blame companies who provide them. In our society, we are always looking for someone or something to blame for our problems. We seem to want to avoid taking responsibility for our actions and their consequences. Overall obesity has nothing to do with the fast food industry and genetics, but rather the choices. People should be encouraged to take personal responsibility for their actions and realize what they put into their mouths, and that how much exercise they do contributes to their health and well-being. When overweight people admit that they cause their own obesity, they can swiftly move away from being obese and recognize a healthy lifestyle. While in R. A. Ames The Food Isn’t to Blame and Richard Daynard â€Å"You Want Fries with That? † use different themes of blaming fast companies and individual decisions to underscore the effects of fast of food on America, One other hand Rahul K. Parikh â€Å" Indiana Jones and the Kingdom of Fats Kid† has same theme has R. A. Ames essay, he blamed advertisements for America’s Obesity. I have discussed the Ame’s essay with my friends and family. Most of them are agreed with the essay but there were also some people who were disagreed. I eat very precisely, before eating anything I check calories and fat of the product I am going to eat.

Ap Psychology Review Packet Essay Example for Free

Ap Psychology Review Packet Essay Absolute Threshold:  the minimum stimulation needed to detect a particular stimulus 50% of the time. 2. Accommodation:  the process by which the eyes lens changes shape to focus near or far images on the retina. 3. Acetylcholine:  neurotransmitter that enables muscle action, learning and memory. 4. Achievement Motivation:  desire for accomplishment. 5. Achievement Test:  an exam designed to test what a person has earned. 6. Acoustic Encoding:  encoding of sound, especially words. 7. Acquisition:  the initial stage when one links a neutral stimulus and an unconditioned stimulus. 8. Action Potential:  a neural impulse; a brief electrical charge that travels down an axon. 9. Activation Synthesis:  theory that REM sleep triggers neural firing that evokes random images, which our sleep brain weaves into stories. 10. Adaptation Level Phenomenon:  tendency to form judgements relative to a neutral level defined by our prior experience. 11. Adrenal Glands:  a pair of endocrine glands that sit just above the kidneys and secrete hormones that help arouse the body in times of stress. 12. Algorithm:  a methodical, logical rule that guarantees solving a particular problem. 3. Alpha Waves:  the relatively slow brain waves of an awake, relaxed state. 14. Amnesia:  loss of memory. 15. Amphetamines:  drugs that stimulate neural activity, causing speeded-up body functions and associated energy and mood changes. 16. Amygdala:  two lima bean-sized neural clusters in the limbic system; linked to emotion. 17. Aphasia:  impairment of language caused by left hemisp here damage to Brocas area, impairing speaking, or Wernickes area, impairing understanding. 18. Applied Research:  scientific study that aims to solve practical problems 19. Aptitude Test:  designed to predict a persons future performance. 20. Association Areas:  areas of the cerebral cortex that are not involved in primary or sensory functions but in higher mental functions. 21. Associative Learning:  learning that certain events occur together. 22. Automatic Processing:  unconscious encoding of incidental information. 23. Autonomic Nervous System:  the part of the peripheral nervous system that controls the glands and the muscles of the internal organs. 24. Availability Heuristic:  estimating the likelihood of events based on their availability in memory. 5. Axon:  the extension of a neuron, ending in branching terminal fibers, through which messages pass to other neurons or to muscles and glands. 26. B. F. Skinner:  a leading behaviorist; rejected introspection and studied how consequences shape behavior. 27. Babbling Stage:  begins at 4 months; stage of speech development in which infant spontaneously utters various sounds. 28. Barb ituates:  drugs that depress the activity of the central nervous system,  reducing anxiety  but impairing memory and judgement. 29. Basal Metabolic Rate:  bodys resting rate of energy expenditure. 30. Basic Research:  pure science that aims to increase the scientific knowledge base 31. Behavior Genetics:  the study of the relative power and limits of genetic and environmental influences on behavior. 32. Behavioral Medicine:  integrates behavioral and medical knowledge to apply to health and disease. 33. Behaviorism:  the view that psychology should be an objective science that studies behavior without reference to mental process. 34. Belief Perseverance:  clinging to ones initial conceptions after the basis has been discredited. 35. Binocular Cues:  depth cues such as retinal disparity that depend on using two eyes. 36. Bio-Feedback:  electronically recording, amplifying and feeding back information regarding a subtle physiological state. 37. Biological Psychology:  a branch of psychology concerned with the links between biology and behavior. 38. Biopsychosocial Approach:  an integrated approach that incorporates biological, psychological, and social-cultural levels of analysis. 39. Blind Spot:  the point at which the optic nerve leaves the eye, creating a blind spot because no receptor cells are located there. 40. Bottom-Up Processing:  analysis that starts with the sensory receptors and works up to the brains integration of sensory information. 1. Brocas Area:  controls language expression; area of the frontal lobe of the left hemisphere. 42. Cannon-Baird Theory:  emotion arousing stimulus triggers physiological response and subjective experience of emotion. 43. Case Study:  an observational technique in which one person id studied in depth in the hope of revealing universal princi ples. 44. Central Nervous System:  the brain and spinal cord. 45. Cerebellum:  the little brain at the rear of the brainstem; processes sensory input and coordinates movement output and balance. 46. Cerebral Cortex:  the intricate fabric of interconnected neural cells covering the cerebral hemispheres; the bodys ultimate control and information-processing center. 47. Change Blindness:  failing to notice changes in the environment 48. Charles Darwin:  argued that natural selection shapes behaviors as well as bodies. 49. Chunking:  organizing items into familiar, manageable units; often occurs automatically. 50. Circadian Rhythm:  the biological clock; regular bodily rhythms that occur on a 24-hour cycle 51. Classical Conditioning:  one learns to link two or more stimuli and anticipate future events. 2. Clinical Psychology:  a branch of psychology that studies, assesses, and treats psychological disorders. 53. Cochlea:  a coiled, bony, fluid-filled tube in the inner ear through which sound waves trigger neural impulses. 54. Cochlear Implant:  device for converting sounds into electrical signals and stimulating the auditory nerve through electrodes threaded throug h the cochlea. 55. Cognition:  Mental activities associated with thinking, knowing, remembering and communicating. 56. Cognitive Map:  mental representation of the layout of ones environment. 57. Cognitive Neuroscience:  the interdisciplinary study of brain activity linked with cognition. 58. Cognitive Perspective:  how we encode, process, store, and retrieve information. 59. Color Constancy:  perceiving familiar objects as having consistent color either if changing illumination alters the wavelengths reflected by the object. 60. Complementary Alternative Medicine:  unproven healthcare treatments intended to supplement conventional medicine. 61. Conditioned Reinforcer:  a stimulus that gains reinforcing power through its association with the primary reinforcer. 62. Conditioned Response:  the learned response to a previously neutral stimulus. 63. Conditioned Stimulus:  an originally irrelevant stimulus that, after association with US, triggers a response. 64. Conduction Hearing Loss:  hearing loss caused by damage to the mechanical system that conducts sound waves to the cochlea. 65. Cones:  retinal receptor cells that are concentrated near the center of the retina and function in daylight of well-lit conditions. 66. Confirmation Bias:  a tendency to search for information that backs ones own beliefs. 67. Consciousness:  our awareness of ourselves and our environment. 68. Content Validity:  extent to which a test samples the behavior that is of interest, 69. Continuous Reinforcement:  reinforcing a desired response every time it occurs. 70. Control Group:  the group that is not exposed to the treatment in an experiment. 71. Coping:  alleviating stress using emotional, cognitive, or behavioral methods. 72. Corpus Callosum:  axon fibers connecting the two cerebral hemispheres. 73. Correlation:  a measure of the extent to which two factors vary together, and thus of how well either factor predicts the other. 74. Correlation Coefficient:  a statistical index of the relationship between two things (from -1 to +1) 75. Counseling Psychology:  a branch of psychology that assists people with problems in living and in achieving greater well-being. 76. Critical Thinking:  thinking that does not blindly accept arguments and conclusions. 77. Culture:  the enduring behaviors, ideas, attitudes, and traditions shared by a group of people and transmitted from one culture to the next. 78. Delta Waves:  the large, slow brain waves associated with deep sleep. 79. Dendrite:  the bushy, branchy extensions of a neuron that receive message and conduct impulses towards the cell body. 0. Dependent Variable:  the outcome factor; the variable that may change in response to the manipulation of the independent variable. 81. Depressants:  drugs that reduce neural activity and slow body functions. 82. Difference Threshold:  the minimum difference between stimuli required for detection 50% of the time. 83. Discrimination:  learned ability to distinguish between CS and stimuli that do not signal a US. 84. D issociation:  a split in consciousness, which allows some thoughts and behaviors to occur simultaneously with others. 85. Dopamine:  neurotransmitter that influences movement, learning, attention and emotion. 86. Double-Blind Procedure:  an experimental procedure in which both the research participants and the research staff are ignorant as to whether the group has received a treatment or a placebo. 87. Drive-Reduction Theory:  physiological need; creates an aroused tension state, a drive, that motivates an organism to satisfy the need. 88. Dual Processing:  the principle that information is simultaneously processed on separate conscious and unconscious tracks 89. Echoic Memory:  momentary sensory memory of an auditory stimuli. 0. Ecstasy (MDMA):  a synthetic stimulant and a mild hallucinogen. Produces Euphoria and social intimacy, but with short-term health risks and longer-term harm to serotonin-producing neurans and to mood and cognition. 91. Edward Titchener:  father of structuralism. 92. Effortful Processing:  encoding that requires attention and conscious effort. 93. Electroencepha logram (EEG):  an amplified recording of the waves of electrical activity that sweep across the brains surface. 94. Emotion:  response of the whole organism involving psychological arousal, expressive behavior and conscious experience. 95. Emotion-Focused Coping:  Attempting to alleviate stress by avoiding or ignoring a stressor and attending to emotional needs relating to ones stress. 96. Encoding:  the processing of information into the memory system by extracting meaning. 97. Endocrine System:  the bodys slow chemical communication system; a set of glands that secrete hormones into the bloodstream. 98. Endorphins:  morphine within natural, opiatelike neurotransmitters linked to pain control and to pleasure. 99. Environment:  every non-genetic influence. 100. ESP:  claim that perception can occur apart from sensory input. 101. Estrogen:  the primary female sex hormone. 102. Evolutionary Psychology:  the study of the evolution of behavior and the mind, using principles of natural selection. 103. Experiment:  a research method in which an investigator manipulates one of more factors to observe the effect on some behavior or mental process. 104. Experimental Group:  the group that is exposed to the treatment in an experiment. 105. Explicit Memory:  memory of facts and experiences that one can consciously know and declare; stored in hippocampus. 106. Extinction:  diminishing of CR; occurs in classical conditions when US does not follow CS. 07. Extrinsic Motivation:  desire to perform to receive rewards or avoid punishment. 108. Factor Analysis:  a statistical procedure that identifies clusters of related items, called factors, on a test. 109. Feature Detectors:  nerve cells in the brain that respond to specific features of the stimulus, such as shape, angle or movement. 110. Feel-Good Do-Good Phenomena:  tendency to be helpful when already in a good mood. 111. Figure-Ground:  organization of visual field into objects that stand out from their surroundings. 112. Fixation:  inability to see a problem from a new perspective. 113. Fixed-Interval Schedule:  reinforcement schedule that reinforces a response only after a specified amount of time has elapsed. 114. Fixed-Ratio Schedule:  reinforcement schedule that reinforces only after specified number of responses. 115. Flashbulb Memory:  a clear memory of an emotionally significant moment or event. 116. Flow:  a completely involved, focused state of consciousness resulting from optimal engagements of ones skills. 117. fMRI:  a technique for revealing bloodflow and, therefore, brain activity shows brain function. 118. Fovea:  the central focal point in the retina, around which the eyes cones cluster. 19. Framing:  the way an issue is posed. 120. Fraternal Twins:  twins who develop from separate fertilized eggs. They are genetically no closer than a brother or sister. 121. Frequency:  the number of complete wavelengths that pass a point in a given time. 122. Frequency Theory:  in hearing, the theory that the rate of neural impulses traveling u p the auditory nerve matches the frequency of a tone, thus enabling us to sense its pitch. 123. Freuds Wish-fulfillment:  theory that dreams provide a psychic safety valve for expressing otherwise unacceptable feelings. 124. Frontal Lobes:  portion of the cerebral cortex lying just behind the forehead; involved in speaking, muscles movement, making plans and judgement. 125. Functional Fixedness:  the tendency to think of things only in their usual function. 126. Functionalism:  a school of psychology that focused on how our mental and behavioral processes function how they enable us to adapt, survive and flourish. 127. GABA (gamma-aminobutyric acid):  a major inhibitory neurotransmitter. 128. Gate-Control Theory:  theory that spinal cord contains a neurological gate that blocks pain signals or allows them to pass to the brain. 29. Gender Identity:  our sense of being male or female. 130. Gender Role:  a set of expectations for either males or females. 131. Gender Typing:  the acquisition of a traditional male or female role. 132. General Adaptation Syndrome:  Selyes concept of bodys adaptive response to stress; alarm, resistance, exhaustion. 133. General Intelligence:  general intell igence factor, according to Spearman, underlies specific mental abilities and is measured by every task on an intelligence test. 134. Generalization:  tendency after response has been conditioned for similar stimuli to elicit similar responses. 135. Genome:  the complete instructions for making an organism. 136. Gestault:  organized whole; tendency to integrate pieces of information into meaningful wholes. 137. Glial Cells:  cells in the nervous system that support, nourish, and protect neurons. 138. Glutamate:  a major excitatory neurotransmitter involved in memory. 139. Grouping:  perceptual tendency to organize stimuli into coherent groups based on proximity, similarity, continuity and connectedness. 140. Hallucinations:  false sensory experiences. 141. Hallucinogens:  drugs taht distort perception and evoke sensory images in the absence of sensory input. 142. Health Psychology:  sub-field of psychology; provides psychologys contribution to behavioral medicine. 143. Heritability:  the proportion of variation among individuals that we can attribute to genes. 144. Heuristic:  a simple thinking strategy that often allows us to make strategies and solve problems quickly. 145. Hierarchy of Needs:  Mazlows pyramid of human needs; begins with physiological needs which must be met before higher goals can be attained. 146. Higher-Order Conditioning:  procedure where conditioned stimulus in one experience is paired with a new, neutral stimulus, creating a new Conditioned Stimulus. 47. Hindsight Bias:  the tendency to believe that, after learning the outcome, one would have foreseen it. 148. Hippocampus:  a neural center that is located in the limbic system and helps process explicit memories for storage. 149. Homeostasis:  tendency to maintain a state of balance. 150. Hormones:  chemical messengers that are manufactured by the endo crine glands. 151. Hue:  the dimension of color that is determined by the wavelength of the light. 152. Humanistic Psychology:  historically significant perspective that emphasized the growth potential of healthy people and the individuals potential for personal growth. 53. Hypothalamus:  a neural structure lying below the thalamus; it directs several maintenance activities, helps govern the endocrine system, and is linked to emotion and reward. 154. Hypothesis:  a testable prediction. 155. Iconic Memory:  a momentary sensory memory of a visual stimuli; a photographic memory lasting no more than a few tenths of a second. 156. Identical Twins:  twins who develop from a single fertilized egg that splits into two, creating two genetically identical organisms. 157. Illusory correlation:  the perception of a relationship where none exists. 158. Implicit Memory:  retention independent of conscious recollection; stored in cerebellum. 159. Inattentional Blindness:  failing to see visible objects when our attention is directed elsewhere 160. Incentive:  a positive or negative environmental stimulus. 161. Independent Variable:  the experimental factor which is directly manipulated. 162. Industrial Organizational Psychology:  using psychological concepts to optimize behavior in work places. 163. Information Processing:  theory that dreams help us sort out the days events and consolidate our memories. 164. Infradian Rhythm:  long-term cycle; greater than a day 65. Inner Ear:  the inner most part of the ear, containing the cochlea, semicircular canals, and vestibular sacs. 166. Insight:  sudden and novel realization of the solution to a problem. 167. Insomnia:  recurring problems in falling or staying asleep. 168. Instinct:  a complex behavior rigidly patterned throughout the species and is unlearned. 169. Int ensity:  the amount of energy in a light or sound wave, which we can perceive as brightness or loudness, as determined by the waves amplitude. 170. Interaction:  the interplay that occurs when the effect of one factor depends on another. 171. Interneurons:  neurons within the brain and spinal cord that communicate internally and intervene between the sensory inputs and the motor outputs. 172. Intrinsic Motivation:  desire to perform for its own sake. 173. Intuition:  effortless, immediate feeling or thought. 174. Iris:  a ring of muscle tissue that forms the colored portion of the eye around the pupil and controls the size of the pupil opening. 175. James-Lange Theory:  emotion is awareness of physiological responses to emotion-arousing stimuli. 176. Kinesthesis:  system for sensing the position and movement of individual body movements. 77. Latent Content:  according to Freud, the underlying meaning of a dream. 178. Latent Learning:  learning that occurs but is not apparent until there is an incentive to demonstrate it. 179. Law of Effect:  Thorndikes principle that behavior followed by favorable consequences become more likely and behaviors followed by negative consequences become less likely. 180. Len s:  the transparent structure behind the pupil that changes shape to help focus images on the retina. 181. Lesion:  destruction of the brain tissue. 182. Levels of Analysis:  the differing complementary views for analyzing any iven phenomenon. 183. Limbic System:  neural system located below the cerebral hemispheres; associated with emotions and drives. 184. Lingusitic Determinism:  Whorfs hypothesis that language determines the way we think. 185. Long-Term Memory:  relatively permanent and limitless storehouse of the memory system. 186. Long-Term Potentiation (LTP):  increase in synapse-s firing potential after rapid stimulation; the neural basis for learning and memory. 187. LSD:  a powerful hallucinogenic drug; alsdo known as acid. 188. Lymphocytes:  the two types of white blood cells that are part of the immune system. 189. Manifest Content:  according to Freud, the remembered story line of a dream. 190. Mean:  the arithmetic average of a distribution. 191. Median:  the middle score in a distribution. 192. Medulla:  the base of the brainstem; controls heartbeat and breathing. 193. Mental Age:  measure of test performance devised by Binet; chronological age that typically correlates with a given age. 194. Mental Set:  tendency to approach a problem in a particular way, often one that has been successful. 195. Methamphetamine:  a powerfully addictive drug that stimulates the central nervous system and appears to drop base dopamine levels over time. 96. Middle Ear:  the chamber between the eardrum and the cochlea containing three tiny bones (hammer, anvil and stirrup) that concentrate the vibrations of the eardrum on the cochleas oval window. 197. Mirror Neurons:  frontal lobe neurons that fire when performing certain actions or when performing another doing so; this may enable imitation or empathy. 198. Misinformation Effect:  incorporating misleading information into ones memory. 199. Mnemonics:  memory aids. 200. Mode:  the most frequently occurring score(s) in a distribution. 201. Modeling:  observing and imitating a specific behavior. 202. Monocular Cues:  depth cues available to either eye alone. Includes relative height, relative size, interposition, linear perspective, light and shadow, and relative motion. 203. Mood Congruent Memory:  tendency to recall experiences that are consistent with ones current mood. 204. Morpheme:  the smallest unit that carries meaning. 205. Motivation:  a need or desire that energizes and directs behavior. 206. Motor Cortex:  an area at the rear if the frontal lobes that controls voluntary movements. 207. Motor Neurons:  neurons that carry outgoing information from the brain and spinal cord to the muscles and glands. 208. MRI:  a technique that uses magnetic fields and radio waves to produce computer-generated images of soft tissue. 209. Mutation:  a random error in gene replication that leads to a change. 210. Myelin Sheath:  a layer of fatty tissue segmentally encasing the fibers of many neurons; enables vastly greater transmission speed. 211. Narcolepsy:  a sleep disorder characterized by uncontrollable sleep attacks. The sufferer may lapse directly into REM sleep, often at inopportune times. 212. Natural Selection:  inherited trait variations contributing to survival and reproduction will be passed on to succeeding generations. 13. Naturalistic Observation:  observing and recording behavior in naturally occurring situations without trying to manipulate or control the situation. 214. Nature-Nurture issue:  controversy over contributions of genes vs. experience 215. Near-death Experience:  an altered state of consciousness reported after a close brush with death; often similar to dru g-induced hallucinations. 216. Negative Reinforcement:  increasing behaviors by stopping a negative stimuli. 217. Neo-Freudian Theory:  theory that dreams can be used as a coping mechanism to deal with past events. 218. Nerves:  bundled axons that form neural cables connecting the central nervous system with muscles, glands, and sense organs. 219. Nervous system:  the bodys speedy, electrochemical communication network, consisting of all the nerve cells of the peripheral and central nervous systems. 220. Neurogenesis:  the formation of new neurons. 221. Neuron:  a nerve cell; the basic building block of he nervous system. 222. Neurotransmitters:  chemical messengers that cross the synaptic gaps between neurons. 223. Night Terrors:  a sleep disorder characterized by high arousal and an appearance of being terrified. 24. Norepinephrine:  neurotransmitter that helps control alertness and arousal. 225. Normal Curve:  a symmetrical, bell-shaped curve that describes the distribution of many types of data. 226. Observational Learning:  learning by observing others. 227. Occipital Lobes:  portion of the cerebral cortex lying at the back of the head; includes areas that receive informatio n from the visual fields 228. One-Word Stage:  from age 1 to 2; when a child speaks in single words. 229. Operant Behavior:  Behavior that operates on the environment, producing consequences. 230. Operant Chamber:  a chamber / Skinner Box containing a bar that an animal can manipulate to obtain water or food. 231. Operant Conditioning:  type of learning in which behavior is strengthened followed by a reinforcer or diminished followed by a punisher. 232. Operational Definition:  a statement of the procedures used to define research variables. 233. Opiates:  opium and its derivatives, such as morphine and heroin; they depress neural activity, temporarily lessening pain and anxiety. 234. Opponent-Process Theory:  the theory that opposing retinal processes (red-green, yellow-blue, white-black) enable color vision. 35. Optic Nerve:  the nerve that carries neural impulses from the eye to the brain. 236. Organizational Psychology:  part of IO Psychology; examines psychological influences o worker satisfaction and productivity. 237. Overconfidence:  tendency to be more confident than correct. 238. Parallel Processing:  the processing of many aspects of a problem simu ltaneously. 239. Parapsychology:  study of paranormal phenomena. 240. Parasympathetic Nervous System:  the division of the autonomic nervous system that calms the body, conserving its energy. 241. Parathyroids:  help regulate the level of calcium in the blood 242. Parietal Lobes:  portion of the cerebral cortex lying at the top/rear of the head; receives sensory input for touch and body position. 243. Partial/Intermittent Reinforcement:  Reinforcing a response only part of the time. 244. Perception:  the process of organizing and interpreting sensory information, enabling us to recognize meaningful objects and events. 245. Perceptual Adaptation:  in vision, the ability to adjust to an artificially displaced or inverted visual field. 246. Perceptual Set:  mental predisposition to perceive one thing and not another. 247. Peripheral Nervous System:  the sensory and motor neurons that connect the central nervous system to the rest of the body. 248. Personnel Psychology:  focuses on recruitment, selection and placement of employees. 249. PET Scan:  a visual display of brain activity that detects where a radioactive form of glucose goes while the brain performs a given task. 250. Phoneme:  the smallest distinctive sound unit. 251. Physical Dependence:  a physiological need for a drug, marked by unpleasant withdrawal symptoms when the drug is discontinued 252. Pitch:  a tones experienced highness or lowness; depends on frequency. 53. Pituitary Gland:  the endocrine gland systems most influential gland. Under the influence of the hypothalamus, the pituitary regulates growth and controls other endocrine glands. 254. Place Theory:  in hearing, the theory that links the pitch we hear with the place where the cochleas membrane is stimulated. 255. Placebo Effect:  experimental results caused b y expectation alone. 256. Plasticity:  the brains ability to change, especially during childhood, by reorganizing after damage of by building new pathways based on experience 257. Polygraph:  lie detector machine; measures responses to emotion. 58. Pons:  part of the brainstem that helps coordinate movements. 259. Population:  all the cases in a group being studied, from which samples can be drawn. 260. Positive Reinforcement:  increasing behaviors by presenting positive stimuli. 261. Posthypnotic Suggestion:  a suggestion, made during a hypnotic session, to be carried out after the subject is no longer hypnotized. 262. Predictive Validity:  the success with which a test predicts the behavior it is designed to predict. 263. Primary Reinforcer:  an innately reinforcing stimulus, such as one that satisfies a biological need. 264. Priming:  the activation, often unconsciously, of certain associations, thus predisposing ones perception, memory, or response. 265. Pro-Social Behavior:  positive, constructive behavior. 266. Proactive Interference:  the disruptive effect of prior learning on the recall of new information. 267. Problem-Focused Coping:  attempting to alleviate stress by changing the stressor or how we interact with that stressor. 268. Prototype:  a mental image or best example of a category. 269. Pshchological Dependence:  a psychological need to use a drug, such as to relieve negative emotions. 270. Psychiatry:  a branch of medicine dealing with psychological disorders. 271. Psychoactive Drug:  a chemical substance that alters perceptions and moods. 272. Psychodynamic Perspective:  how behavior springs from unconscious drives and conflicts 273. Psychology:  the study of behavior and mental processes. 274. Psychoneuroeimmunology:  study of how psychological, neural, and endocrine processes affect the immune system. 275. Psychophysics:  the study of relationships between the physical characteristics of stimuli, such as their intensity, and our psychological experience of them. 276. Psychophysiological Illness:  mind-body illness; any stress-related physical illness, including hypertension. 277. Pupil:  the adjustable opening in the center of the eye through which light enters. 278. Random Assignment:  assigning participants to experimental and control groups by chance, thus minimizing pre-existing differences between the two groups. 279. Random Sample:  a sample that fairly represents a given population. 280. Range:  The difference between the highest and lowest scores in a distribution. 281. Recall:  measure of memory in which the person must retrieve information learned earlier. 82. Recognition:  measure of memory in which the person only identifies items previously learned. 283. Reflex:  a simple, autonomic response to a sensory stimulus. 284. Rehearsal:  conscious repetition of information, either for maintenance or encoding. 285. Reinforcer:  an event that strengthens behavior. 286. Relative Deprivation:  perception that one is worse off relative to those you compare yourself to. 287. Relearning:  a measure of memory that assesses the amount of time saved when learning material for a second time. 288. Reliability:  extent to which a test yields consistent results. 89. REM Rebound:  the tendency for REM sleep to increase following REM sleep deprivation. 290. REM sleep:  rapid eye movement sleep, a recurring sleep stage during which vivid dreams commonly occur. 291. Replication:  repeating the essence of a research study to see whether the basic findings extend to other participants and circumstances. 292. Representativeness Heuristic:  judging the likelihood of things in terms of how well they seem to represent particular prototypes. 293. Respondent Behavior:  occurs as automatic response to some stimulus. 294. Reticular Formation:  a nerve network in the brainstem that plays an important role in controlling arousal. 295. Retina:  the light-sensitive inner surface of the eye. 296. Retinal Disparity:  a binocular cue for perceiving depth by comparing the images of the retinas from the two eyes. 297. Retrieval:  process of getting information out of storage. 298. Retroactive Interference:  the disruptive effect of new learning on the recall of old information. 299. Reuptake:  a neurotransmitters reabsorption by the sending neuron. 300. Rods:  retinal receptors that detect black, white and gray. 301. Savant Syndrome:  condition in which a person is limited in mental ability but has exceptional specific skill. 302. Scatterplots:  a graphed cluster of dots, the slope of which helps predict the direction of the relationship between the two variables. 303. Selective Attention:  the focusing of conscious awareness on a particular stimuli 304. Semantic Encoding:  encoding of meaning. 305. Semantics:  set of rules by which we derive meaning from morphemes, words and sentences. 306. Sensation:  the process by which our sensory receptors and nervous system receive and represent stimulus energies from our environment. 07. Sensorineural Hearing Loss:  hearing loss caused by damage to the cochleas receptor cells or to the auditory nerves. Also called nerve deafness. 308. Sensory Adaptation:  diminished sensitivity as a consequence of constant stimulation. 309. Sensory Cortex:  area at the front of the parietal lobes that registers and processes body touch and movement sensa tions. 310. Sensory Interaction:  principle that one sense may influence another; smell of food influences its taste. 311. Sensory Memory:  immediate, very brief recording of sensory information in the memory. 12. Sensory Neurons:  neurons that carry incoming information from the sensory receptors to the brain and spinal cord. 313. Serial Position Effect:  the tendency to recall best the last and first items in a list. 314. Serotonin:  neurotransmitter that affects mood, hunger, sleep and arousal. 315. Set Point:  the point where someones weight thermostat. 316. Shaping:  an operant conditioning procedure in which reinforcers guide behavior closer and closer to the desired behavior. 317. Short-Term Memory:  activated memory that holds a few items briefly. 318. Sigmund Freud:  Austrian neurologists who founded psychoanalysis. 319. Signal Detection Theory:  a theory predicting how and when we detect the presence of a faint stimulus (signal) amid background noise. Assumes there is no single absolute threshold and that detection depends partly on a persons experience, expectations, motivation and level of fatigue. 320. Sleep Apnea:  a sleep disorder characterized by temporary cessations of breathing during sleep and repeated momentary awakenings. 321. Social Leadership:  group oriented leadership that builds teamwork and offers support. 322. Social Learning Theory:  the theory that we learn social behavior by observing and imitating and by being rewarded and punished. 323. Social-cultural Perspective:  how behavior and thinking vary across situations and cultures 324. Somatic Nervous System:  the division of the peripheral nervous system that controls the bodys skeletal muscles. 325. Source Amnesia:  attributing the wrong source to an event we have experienced; at the heart of many false memories. 326. Spacing Effect:  tendency for distributed study or practice to yield better retention that massed study or practice. 327. Split Brain:  a condition resulting from surgery that isolates the brains two hemispheres by cutting the fibers connecting them. 328. Spontaneous Recovery:  Reappearance after a pause of an extinguished CR. 329. Standard Deviation:  a computed measure of how much the scores vary around the mean score. 330. Stanford-Binet:  widely used American revision of Binets original intelligence test. 331. Statistical Significance:  a statistical statement of how likely it is that an obtained result occurred by chance. 332. Stereotype Threat:  self-confirming concern that one will be evaluated based on negative stereotypes. 333. Stimulants:  drugs that excite neural activity and speed up body functions. 334. Storage:  retention of encoded information. 335. Stress:  how we perceive and respond to stressors that we appraise as threatening or challenging. 336. Structuralism:  an early school of psychology that used introspection to explore the structural elements of the human mind. 337. Structured Interviews:  asking the same questions of all applicants and rating on the standard scale. 338. Subjective Well-Being:  self-perceived happiness or satisfaction with life. 339. Subliminal:  below ones absolute threshold for conscious awareness. 340. Survey:  a technique for ascertaining the self-reported attitudes of behaviors of a group. 341. Sympathetic Nervous System:  the division of the autonomic nervous system that arouses the body, mobilizing its energy in stressful situations. 342. Synapse:  the junction between the axon tip of the sending neuron and the dendrite or cell body of the receiving neuron. 343. Syntax:  rules for combining words into sensible sentences. 344. Task Leadership:  goal oriented leadership that sets standards, organizes leadership and focuses on goals. 345. Telegraphic Speech:  early speech stage where child speaks like a telegram; uses nouns and verbs. 46. Temporal Lobes:  portion of the cerebral cortex lying above the ears; receives auditory information 347. Testosterone:  the most important of male sex hormones. Both males and females have it, but the additional testosterone in males stimulates the growth of the male sex organs in the fetus and the development of the male sex char acteristics during puberty. 348. Thalamus:  the brains sensory switchboard, located on top of the brainstem. 349. THC:  the major active ingredient in marijuana; triggers a variety of effects, including mild hallucinations. 350. Theory:  an explanation that organizes behavior and predicts future outcomes. 351. Threshold:  the level of stimulation necessary to trigger a neural impulse. 352. Thyroid Gland:  affects metabolism, among other things 353. Tolerance:  the diminishing effect with regular use of the same dose of a drug, requiring the user to take larger and larger doses of the drug before experiencing the drugs effects. 354. Top-Down Processing:  information processing guided by higher level mental processes, as when we construct perceptions drawing on our experience and expectations. 55. Transduction:  conversion of one form of energy into another. 356. Two_Word Stage:  beginning at age 2; child speaks in 2 word statements. 357. Two-Factor Theory:  called Schachter-Singer Theory; to experience emotion, one must be physically aroused and cognitively label the arousal. 358. Type A:  competitive, hard-driving, impatient. 359. Type B:  easy-going, relaxed people. 360. Ultradian Rhythm :  short-term cycle; less than a day 361. Unconditioned Response:  the unlearned naturally occurring response to the unconditioned stimulus. 362. Unconditioned Stimulus:  a stimulus that unconditionally triggers a response. 363. Validity:  extent to which a test measures what its supposed to measure. 364. Variable-Interval Schedule:  reinforcement schedule that reinforces a response after random number of responses. 365. Variable-Ratio Schedule:  reinforcement schedule that reinforces a response after an unpredictable number of responses. 366. Vestibular Sense:  sense of body movement and position including balance. 367. Visual Cliff:  lab device for testing depth perception in infants and young animals. 368. Visual Encoding:  encoding of picture images. 369. Watson and Rayner:  famous for their Little Albert experiment. 370. Wavelength:  the distance from the peak of one light or sound wave to the peak of the next. 371. Webers Law:  the principle that, to be perceived as different, two stimuli must differ by a constant minimum percentage. 372. Wechsler Adult Intelligence Scale:  most widely used intelligence test; contains verbal and non-verbal sub-tests. 373. Wernickes Area:  controls language reception; a brain area involved in language comprehension and expression in left temporal lobe. 74. Wilhelm Wundt:  known as father of experimental psychology; established the first psychology laboratory. 375. Withdrawal:  the discomfort and distress that follow discontinuing the use of an addictive drug. 376. Working Memory:  a newer understanding of short-term memory that focuses on conscious, active processing of incoming auditory and visual spatial information and of informa tion retrieved from long-term memory. 377. X-Chromosome:  the sex chromosome found in both men and women. 378. Y-Chromosome:  the sex chromosome found only in men. 379. Young-Helmholtz Trichromatic Theory:  the theory that the retina contains three different color receptors red, green and blue. absolute threshold:   The minimum stimulation needed to detect a particular stimulus 50 percent of the time. 2. accommodation:   The process by which the eyes lens changes shape to focus near or far objects on the retina. 3. accommodations:   Adapting ones current understandings (schemas) to incorporate new information. 4. acetylcholine:   A neurotransmitter that, among its functions, triggers muscle contraction. 5. acoustic encoding:   The encoding of sounds, especially the sound of words. . acquisition:   The initial stage in classical conditioning; the phase associating a neutral stimulus with an unconditioned stimulus so that the neutral stimulus comes to elicit a conditioned response. In operant conditioning, the strengthening of a reinforced response. 7. action potential:   A neural impulse; a brief electrical charge that travels down a n axon. The action potential is generated by the movement of positively charged atoms in and out of channels in the axons membrane. 8. activation synthesis hypothesis:   Theory to describe dreaming that explains dreaming as being random neural activity hat the brain tries to make sense of. 9. acuity:   The Sharpness of vision. 10. addictions:  dependency to drugs comes about from potentially one use of the substance were the body can build up dependence to the substance. 11. adolescence:   The transition period from childhood to adulthood, extending from puberty to independence. 12. adrenal glands:   A pair of endocrine glands just above the kidneys. The adrenals secrete the hormones epinephrine (adrenaline) and norepinephrine (nonadrenaline), which help to arouse the body in times of stress. 13. ll or nothing law:   Increasing the stimulus above the threshold will not increase the action potential intensity. The neurons action is an all or nothing response; it either wi ll fire or it will not. The strength of the stimulus does not effect action potentials speed. 14. alpha waves:   The relatively slow brain waves of a relaxed, awake state. 15. alzheimers disease:   A progressive and irreversible brain disorder characterized by gradual deterioration of memory, reasoning, language, and, finally physical functioning. 16. amnesia:   The loss of memory 17. mygdala:   Two almond-shaped neural clusters that are components of the limbic system and are linked to emotion. 18. assimilation:   Interpreting ones new experience in terms of ones existing schemas. 19. association areas:   Areas of the cerebral cortex that are not involved in primary motor or sensory functions; rather, they are involved in higher mental functions such as learning, remembering, thinking, and speaking. 20. associative learning:   Learning that certain events occur together. The events may be two stimuli (as in classical conditioning) or a response and its consequences (a s in operant conditioning). 1. attachment:   An emotional tie with another person; shown in young children by their seeking closeness to the caregiver and showing distress on separation. 22. audition:   The sense of hearing 23. automatic nervous system:   The part of the peripheral nervous system that controls the glands and the muscles of the internal organs (such as the heart). Its sympathetic division arouses; its parasympathetic division calms. 24. automatic processing:   Unconscious encoding of incidental information, such as space, time, and frequency, and of well-learned information, such as word meanings. 25. xon:   The extension of a neuron, ending in branching terminal fibers, through which messages pass to other neurons or to muscles or glands. 26. barbiturates:   Drugs that depress the activity of the central nervous system, reducing anxiety but impairing memory and judgement. 27. basiler membrane:  within the cochlea of the inner ear is a stiff structural element that separates two liquid-filled tubes that run along the coil of the cochlea, the scala media and the scala tympani. 28. behavioral genetics:   The study of the relative power and limits of genetic and environmental influences on behavior. 29. Behavioral Psychology:  a branch of psychology that focuses on how we learn from observable responses. An individuals response to different environment stimuli shapes our behaviors. 30. Behaviorism:  The view that psychology should be an objective science that studies behavior without reference to mental processes. Most research psychologists today agree that psychology should be an objective science but do not think that it should be without reference to mental processes. 31. behaviorism:   The view that psychology (1) should be an objective science that (2) studies behavior without reference to mental processes. For example, intelligence may be operationally defined as what an intelligence test measures. 193. opiates:   Opium and its derivatives, such as morphine and heroin; they depress neural activity, temporarily lessening pain and anxiety. 194. opponent-process theory:   The theory that opposing retinal processes (red-green, yellow-blue, white-black) enable color vision. For example, some cells are stimulated by green and inhibited by red; others are stimulated by red and inhibited by green 195. optic nerve:   The nerve that carries neural impulses from the eye to the brain. 96. parallel processing:   The processing of several aspects of a problem simultaneously; the brains natural mode of information processing for many functions, including vision. Contrasts with the step-by-step (serial) processing of most computers and of conscious problem solving. 197. parallel processing:   The processing of several aspects of a problem simultaneously; the brains natural mode of informatio n processing for many functions, including vision. Contrasts with the step-by-step (serial) processing of most computers and of conscience problem solving. 198. Parasympathetic nervous system:   The division of the autonomic nervous system that calms the body, conserving its energy. 199. parietal lobes:   The portion of the cerebral cortex lying at the top of the head and toward the rear; includes the sensory cortex. 200. Peripheral nervous system:   The sensory and motor neurons that connect the central nervous system (CNS) to the rest of the body. 201. PET:   A visual display of brain activity that detects where a radioactive form of glucose goes while the brain performs a given task. 202. Phenotype:   An organisms physical characteristics is its phenotype.

Asian Tourism Comparison And Effect On Economic Growth Tourism Essay

Asian Tourism Comparison And Effect On Economic Growth Tourism Essay Tourism is one of key industry in the development of some countries in Asia. Malaysia, itself depend on tourism in its nation growth. In Asia, country like Malaysia has benefited a lot from the development of its tourism industry. The developments of tourism in Asia are differing amongst countries. Natural disaster such as air pollution, floods and earthquake will bring an effect on the tourism industry in Asia. There has been previous research regarding to tourism which study the relationship between natural disaster and tourism. In the year of 2010, hazardous flooding in Pakistan has influence its economy growth. Decision-making by tourists on travel plan is influenced by economic, technological, international or political, sociocultural and environmental factors including those directly related to environmental and natural hazards ( Mathieson and Wall, 1993). According to Sinclair and Stabler (1997), the range of goods and services encompassing tourism include natural resources and especially the non-price feature and the positive benefits derived from attractive environment and the negative effect of pollution. Sinclair and Stabler noted that the perceived cost of travel increases by the realization of natural disaster has effect tourism at all. The research by Campos, (1999) stated that there was relationship between tropical cyclone (natural disaster) and the income of hotels (tourism industry), meanwhile Chang (1983) found that hurricane and other natural disaster can decreases revenues to a municipality through reduce tourism revenues, although the increases assistant by Federal Government to the effect area. Comparison and effect of tourism in Asia on the development of economy can be discussed specifically by making comparison between the chosen countries. The countries included on the list of this study were Malaysia, Singapore, Brunei, Philippines, Indonesia,Thailand, Vietnam, Laos and Cambondia. 1.3.1 Malaysia The research by Mohd Hafiz Hanafiah and Mohd Fauzi Mohd Harun in June 2010 regarding to tourism in Malaysia show that tourism in Malaysia is the third largest industry after oil and automobiles. Malaysian economy will increase due to the increase in tourism sector. Number of tourists visits Malaysia is a major factor which influences the Malaysian economy alone. During Asian Financial Crisis 1997, number of tourists declined and reached a new record after the economic stalemate. There was another research which shows how tourists influence the growth of tourism in some countries. According to Song and Witt (2000), they described tourist products as the amount of tourism demand that the consumers are willing to acquire during a specific period of time and under certain conditions which controlled by the explanatory factors used in the demand equation. Smeral (1988) and Syriopoulos and Sinclair (1993) empirically examined the relationships between the variables underlying the determinants of tourism demand. Lim (1997), Song and Witt (2000) and Song et al. (2003), used econometrics forecasting model to which forecasts changed as a result of changes in the variables that act as economic drivers of tourism. Loeb (1982), Nordstrom (1996), Uysal and Crompton (1982) have used the demand function approach to identify the quantitative relationships of tourism demand. Jorgensen (1996) and Muller (1999) have focus on the statistical properties of an important time serie s, namely on the international tourist demand. 1.3.2 Singapore In Singapore the research analysis on tourism was done by Xianming Meng, Mahinda Siriwardana, Brian Dollery and Stuart Mounter in June 2010 on the impact of the World Financial crisis in 2008 by using CGE analysis. They found that tourism industry is one of the important sectors in Singapore that contribute to the increase in the country economy development. Singapore tourism was greatly effect during the World Financial Crisis in 2008. It shows on Singapore Tourism Board (2009), tourism declined 13.5% in the first half of 2009 compared with the first half of 2008. Blake and Sinclair (2003) used a 98-sector CGE model of the US economy to estimate the impact of 911-event in the absence of any offsetting policy response which is when the fall in the tourism expenditures reduces GDP and it will worsen the government budget and under different policy responses. Blake et al. (2003) use CGE model to analyse the impact of Foot and Mouth decease (FMD) on tourism and the UK economy. From the model it can be consider that there is a fall on the real GDP, declining in exports, increase in BOP deficit and falls in government revenue. 1.3.3 Brunei The research by Kwabena A. Anaman and Chee N. Looi in September 2000 was on Economic impact of haze-related air pollution on the tourism industry in Brunei Darussalam.They found that haze-related air pollution is a major problem why Brunei has a problem on increasing their number of visitors comes to their country. The causes of this problem in Brunei tourism is because of the pollution that happen and country losses about one million to the tourism industry.   The pollution and human health effects tourists to visit Brunei and this will decreased the benefits of Brunei economy. 1.3.4 Philippines In Philippines, study by (October 2000) by P.L. Cadiz and H.P. Calumpong (2000) on the revenues gained from tourism show that Philippines has a potential to increase in the tourism industry especially in Apo Island. According to White and Dobias 1990, the overall cost and benefits of tourism development options showed from a particularly of who is incurring the cost and who is benefiting. They also agree that tourist will visits Philippines because of the beautiful beaches and marine parks. From study of White 1996, the entire island coral reef was declared a marine reserve and a small portion a fish sanctuary in 1986 and this boost the economy growth. 1.3.5 Indonesia Local Economic Impacts of Dragon tourism in Indonesia (2000) by Matthew J. Walpole and Harold J. Goodwin (2000) in their study of Local Economic Impacts of Dragon tourism found that tourism in Indonesia is an important industry to increase Indonesia economy so they can compete with other country. The number of tourists visit Indonesia will be show from the environment of this country. According to Goodwin, Kent, parker and Walpole 1997 and1998, many international tourism emerged rather than industrialize countries. Brohman 1996, believe that tourism industry are increasingly being promoted in rural areas as a means to combat the historic trends of dependency and inequality. From Boo 1992 perspective, ecotourism is increasingly held to embody both sustainable development ideals and conservation. 1.3.6 Thailand The study by Aswin Sangpikul and Ardash Batra (2007) on perpective of Thai Youths regarding to ecotourim found that Thai youths had a general knowledge and experience on ecotourism industry. The study is to decide their knowledge and attitude towards ecotourism as well as to survey their travel experiences relating to ecotourism. From the statement of Walailak University, 1997, they believe that people are regarded as one of the key factors for the success of ecotourism development. The study shows that Thai youths still have a limited knowledge on ecotourism but they understood the meaning of ecotourism.   Thai youths also have a problem to know on how ecotourism can effect on Thailand tourism. Besides, youths on Thailand like to visit places that are maintained and preserved beauty and pureness.From the previous study of Tonekaew, 1998 and Kunarucks, 2000, two concerned parties have been identified to provide more knowledge and promote ecotourism among Thai youths, namely educati onal institutes and government agencies. 1.3.7 Vietnam Professor Malcolm cooper (1998) makes a research about the roles of IT in the development of tourism. He found that IT playing important roles in developing a national tourism industry based on the sustainable development model.   Vietnam is located in both a tropical and a temperate zone. This is because it is a fastest way to inform others about the tourism industry in Vietnam. The study is to compare the information provided by current systems, and managing development while preserving the value of the cultural and physical environment. Besides, Vietnam contributes on the increase in the countrys GDP. Good environment quality leads country to have more tourists visiting Vietnam. 1.3.8 Laos Steven Schipani (2006) study how tourism benefitted Upland Rubber Cultivation in Laos. In the study, he found that Laos tourism will reach a million of tourists arrive over a year. The study of Laoss tourism estimated that visitors are interested in the countrys natural and cultural attractions.   The study of Laos industry is to examine the ecotourism as an alternative to Upland Rubber cultivation in the Nam Ha National protected Area, Luang Namtha. Ecotourism in Luang Namtha generate financial benefits for local people, providing small group for cultural exchange, minimising adverse cultural and environmental impacts and generating public funds for environmental and cultural protection. Ecotourism activities and rubber plantations can both be conducted independently. 1.3.9 Cambodia Kathryn Conway (2008) whom make a research of ecotourism, poverty, and conservation in Prek Toal found that ecotourism revenues can be analyzed using poor subsistence fishing village on Cambodias Tonle sap lake, the conservation organization Osmose to finance poverty intervention programs and promote conservation in a threatened ecosystem. This study is to examine the local perceptions of tourism. According to Valene Smith, shes defines tourism as a temporary and voluntary travel to a place away from home for the purpose of experiencing a change. In Cambodia tourism, the level of general awareness of tourists activities is low in the community wide. Besides there is a limitation on the perceptions of any negative impacts associated with tourism. 1.4 Method and Analysis used by Researcher in The Past Method and the way analysis which has been used by previous researcher are vital in this research and therefore it will bring great advantages in this research especially in chapter 3 which will be discussed later. Mohd Hafiz Hanafiah and Mohd Fauzi Mohd Harun (June 2010) study on Malaysia tourism use Gravity model and economic data to analyse the tourism demand in Malaysia. Xianming Meng, Mahinda Siriwardana, Brian Dollery and Stuart Mounter ( June 2010) study on Singapore tourism use CGE models, data and parameters to estimate the negative effects of the 2008 world Finacial Crisis. Kwabena A. Anaman and Chee N. Looi (Septemver 2000) using OLS regression Model and Linear and log-linear on the visitor and tourist..P.L. Cadiz and H.P. Calumpong (October 2000) study on Philippines tourism used questionnaire to determine the number of tourists visiting Apo Island every month other than monitor the number of visitors diving and snorkelling outside and inside the marine sanctuary. Meanwhile, Matthew J. Walpole and Harold J. Goodwin (2000) study on Indonesia tourism used macroeconomics techniques ,questionnaire and ANOVA test to examine the magnitude and distribution of tourism employment and revenue generation in communities in an Indonesian Park.Aswin Sangpikul and Ardash Batra (2007) study on Thailand tourism used questionnaire and ANOVA test to decide their knowledge and attitude towards ecotourism as well as to survey their travel experiences relating to ecotourism.. Professor Malcolm cooper (1998) study on Vietnam tourism, Steven Schipani (2006) study on Laos tourism use data management and forecasting method. Kathryn Conway (2008) study on Cambodia tourism used fieldwork timeline, translator / assistant, sampling, consent process, data collection and data management  to examine the local perceptions of tourism. 1.5 Conclusion As every of us knew tourism play a big role in the development of economy in some countries. Issue such as natural disaster certainly degrades the growth of tourism in the country and of course economy as well. In this research, the event of how the situation of tourism in some countries in Asia will be used in completing this research successfully. Besides, the method and analysis used by previous researcher will give a big help in this research as it will help the researcher in the formation of questionnaire and other relevant analysis. And this will include how tourist had a strong relationship in the development of tourism economy.