six main principles in the property insurance

six main principles in the property insurance In property insurance, there are six main principles that govern a contract of insurance. If one of those requirements is not met by the insured or the insurer, the contract could be avoided. The main six principles that apply to property insurance include; Insurable interest, utmost good faith, indemnity, contribution, subrogation and proximate cause. In an Insurance contract, a person is not insuring the property as such, but the interest in that property. If a person is said to have an insurable interest on a property, he should enjoy benefits from its existence and would suffer a financial loss from its destruction .The case, Lucena v. Crauford expresses this point well; A man is interested in a thing to whom advantage may arise or prejudice happen from the circumstances which may attend ità ¢Ã¢â€š ¬Ã‚ ¦ To be interested in the preservation of a thing is to be so circumstanced with respect to it as to have benefit from its existence, prejudice from its destruction. When an owner of a factory wants to insure his premises, he must demonstrate to the insurer that he has an insurable interest in the factory. He should benefit from the existence of the factory and would suffer a financial loss if it is damaged. The law requires that a person has a real interest in a property. A mere hope or expectation of acquiring an interest in the future does not create an insurable interest. The interest must also be a legal interest. The Macaura case held that An insured had an interest in his shares not in the property of the company for which he held shares in. Insurable Interest may arise by common law, by contract and by statue. The most common example of insurable interest is the interest which a person has in property which they own. Ownership is an interest which is recognised and protected by law. However, holding title of property is not necessary. Thus, a bailee has an insurable interest in its customers goods. A tenant has an insurable interest in the leased premises which he occupies. Other types of persons who have an interest to insure are; Mortgagees, mortgagors, lessees, shared or joint owners, trustees, legal guardians and people living together. Possession gives you also the legal interest to insure. According to the Marine Insurance Act 1906, Insurable Interest must exist at the time of the loss but not necessarily at inception. In fire and accidental policies, the Acts require that there must be insurable interest also at inception. A policy without interest is generally void and premiums could be recovered. The rationale behind the principle of insurable interest is to ensure that contracts of insurance are not taken as gambling transactions.   Insurance contracts are defined as contracts of utmost good faith or contracts of uberrimae fidei. The insurer relies on the truthfulness and integrity of the proposer whilst the insured relies on the companys promise to provide adequate cover and to pay claims. In commercial contracts, the doctrine of Caveat Emptor (let the buyer be aware) applies. The proposer knows more about the risks which are linked with a property, whilst the insurer knows nothing. The proposer needs to positively disclose all information, even if not asked. This principle applies also to the insurer. This doctrine emerged from the case Carter v. Boehm; à ¢Ã¢â€š ¬Ã‚ ¦the special facts, upon which the contingent chance is to be computed, lie more commonly in the knowledge of the insured only: the underwriter trusts to his representation, and proceeds upon confidence that he does not keep back any circumstance in his knowledge, to mislead the underwriter into a belief that the circumstance does not exist, and to induce him to estimate the risquà © as if it did not exist. The duty of the proposer is to disclose all facts or circumstances that are material to the risk. A material fact, as stated in the Marine Insurance Act 1906 is; every circumstance is material which would influence the judgment of a prudent insurer in fixing the premium or determining whether he will accept the risk or not. Material facts hold the basics of a decision. Insurance companies use proposals forms to help the insured in giving the right information. A surveyor may also be sent to a property to inspect clearly the risk. Insurance slips are used in the case of brokers to gather material facts. If for example, a factory is located near a fireworks factory, the fact needs to be disclosed by the owner when filling the proposal form. The fireworks factory is an external factor that makes the risk higher. If the fact is not disclosed and damage is caused to the factory, the insurer has a right to avoid paying the claim and will also be entitled to avoid the contract. The fact must be material at the date at which it should be communicated to the insurer. A fact which was not material when the contract was made but becomes material later on; need not be disclosed. However, the insured has an obligation to disclose the material facts which he has control of. Facts which by their nature improve the risk need not be disclosed. At common law, the duty of disclosure continues until the contract is formed. At renewal the duty of disclosure is revived. A  warranty  is a promise by the insured to do certain things or to satisfy certain requirements. If the insured breaches the warranty, the insurer can void the contract and refuse to pay for a claim. A breach of good faith may take the form of misrepresentations and non-disclosure. Whether there is fraud or not, insurers have the right to avoid the contract ab-initio. If fraud is discovered, the insurer can sue for damages and keep the premium. Insurers can also waive their rights and allow the contract to stand. If the insurers are in breach of their duty, the insured will be entitled to avoid the contract. Indemnity requires that the insured is placed in the same financial position as he occupied immediately before the loss. In effect, this principle aims to prevent the insured from making a profit out of his loss. This principle is applied where the loss suffered is measurable in terms of money. It does not apply where it is not possible to measure the financial loss caused by the death of the insured or bodily injury sustained by him. Indemnity is important as it deals in part with moral hazard. In the case Castellian v. Preston, Mr. Justice remarked: à ¢Ã¢â€š ¬Ã‚ ¦the contract of insurance à ¢Ã¢â€š ¬Ã‚ ¦ is a contract of indemnity only, and this contract means that the assured, in case of a loss against which the policy has been made, shall be fully indemnified, but shall never be more than fully indemnifiedà ¢Ã¢â€š ¬Ã‚ ¦ Sometimes, property loses value for reasons other than depreciation. In many of these cases, market value is used to calculate cash value. If an insurer pays a replacement cost deducting depreciation, that is higher than the market value, then some property owners would be tempted to destroy their property to get the higher value over what they would get selling it in the market. Indemnity is a contractual principle and not a statutory one. The policy can be varied to provide either more or less than a strict indemnity. The Sum insured is usually the maximum recovery possible. If the sum insured is less than the value of the property, the principle of average is applied. The person who underinsures is considered his own insurer for the difference. Excesses, franchises and policy limits are other factors that limit the insureds entitlement to full indemnity. When cover is on a new for old or reinstatement basis, insurers pay for the full cost of rebuilding as new with no deduction for wear and tear. Agreed value policies enable also the insured to recover more than a strict indemnity. The methods of providing indemnity are; repair, replacement, reinstatement and cash. Indemnity is applied at the date and place of loss. Under property insurance, the policyholder can recover only the amount of the value of the property. As regards to buildings, the basis of indemnity is the repair or rebuilding cost at the time of loss, with a deduction for betterment. With a reinstatement clause, no reductions are applied for depreciation. Insurers are entitled to receive any salvage left. The goods become the property of the insurers if they make a full indemnity payment. The principle of indemnity is closely related to both the requirements of an insurable interest; an insured can only be indemnified to the extent of his insurable interest and insurance is not gambling; the insured doesnt win or lose. Contribution is about the sharing of losses between insurers when double insurance exist. Contribution is another principle that aids indemnity. Since indemnity forbids the insured from recovering more than the loss, then he cannot recover the full value of the loss from each of the two policies. The law does not forbid people from engaging in double insurance; it only forbids making a profit from a loss. Contribution is likely to arise when there is more than one policy. It does not matter that the policies do not cover precisely the same perils or property. They do not have to be identical but there must be an overlap. For example; one policy covering building A only and one covering buildings A and B. It the case American Surety Co of New York v. Wrightson (1910); it was held that for contribution to apply, the two policies involved must cover the same interest, same subject manner; same peril and same period. An overlap is quite common when there is home insurance overlapping with travel insurance, since certain items of property are insured under household insurance as well as insured whilst the policyholder travels abroad under the travel policy. There is a case law relative to the question of a common insurable interest. The case is North British Mercantile v. Liverpool London Globe (1877) The King and Queen Granaries case. As there were different interests, one as owner and one as a bailee, it was held that North British had to pay the loss in full and there was no right of contribution. Under the common law, a person who has more than one policy can look to any of the insurers involved for compensation. The insurer, who would have paid in full, can then claim contribution from the other insurer involved. However, the majority of policies include some form of contribution condition. With this condition, insurers will be liable for their rateable share only. When the two policies contain the contribution condition, the insured must proceed with the claim against the two insurers. Some policies may even contain a non-contribution clause. This prevents an insurer from being liable if the insured is covered under another policy. If there are two policies with this condition, the clauses in effect cancel out each other and contribution arises in the usual away, as in accordance with the case Gale v. Motor Union (1928). Subrogation is the right of a person who has provided indemnity to another, to stand in the shoes of that person to recover from some third party. The main aim of this principle is to ensure that the insured obtains an indemnity but no more than an indemnity. According to the case Castellain v. Preston, Subrogation is; à ¢Ã¢â€š ¬Ã‚ ¦a doctrine in favour of the underwriters or insurers in order to prevent the assured from recovering more than a full indemnity. It is a corollary of indemnity and therefore does not apply to non-indemnity contracts. If a third party causes damage to the insureds factory, the insurer will settle with the insured. However, by virtue of the subrogation right and the subrogation condition, the insurer can sue the third party who has caused damage, in the name of the owner of the factory and subsequently make a recovery under the claim. Ex-gratia payments are payments outside the policy obligations and therefore are not recoverable. Subrogation operates by means of tort where a third party causes the insured loss or damage. It arises out of the negligence of a third party. Subrogation could arise under a contract as in the case, a tenant causing damage to the landlord; the tenant is made liable to pay under the contract. Subrogation rights may also arise under statute as in the case of riot. For example, insurers have a right to sue the police who are responsible for civil order to make a recovery, if as a result of riot the property of the insured is damaged. Insurers are also entitled to any materials left by the loss where they have agreed to pay the loss in full. This is expressed in Rankin v. potter (1873). Following indemnity, the insured ceases to be the owner. The case Scottish Union National Insurance v. Davis (1970) shows that the insured must have been indemnified for an insurer to exercise subrogation rights. For this reason insurers always insert a condition which enables them to commence their rocevery against the other party before they have settled the insureds claim. Subrogation rights are modified under market agreements between insurers to try to reduce administration expenses in recovering money from each other. Subrogation rights can also be modified or cancelled through a contractual agreement. Proximate cause is a claims related principle. The practical effect of this principle is to define the scope of the insurance contract and to protect the relative rights of the insured and the insurer. It allows for application of common sense to the interpretation of insurance contracts. Proximate cause relates to the main cause of a property loss. It is not necessarily the first or last cause but the dominant cause. It must be the operative cause which is directly linked with the result. The cause must not be remote. Proximate cause was defined in a classic case of Pawsey v. Scottish Union and National (1907); the active efficient cause that sets in motion a train of events which brings about a result without the intervention of any force started and working actively from a new and independent source. Property may be damaged but not directly by an insured peril. By the proximate cause rule, the loss will be covered. For example; smoke damage from fire, water damage from fire fighting, and damage caused by fire fighters. Normally, the cause and effect of a loss is quite easy to recognize. For example, a fire occurs and property is damaged. But in real situations, the loss may be the result of two or more causes and it become more difficult to decide the proximate cause. Losses can occur due to different situations, such as; single cause, chain of events, or concurrent causes. For example, if there is a storm that causes a wall to collapse, then a short circuit results in a fire and to extinguish the fire, water damage is caused by firemen. In this case, it is easy to determine that the storm was the proximate cause, since it started off a train of events causing water damage In many law cases, it had been decided that the last cause in time was the proximate cause where there was a chain of events. However, the case Leyland Shipping Co. Ltd v. Norwich Union Fire Insurance Society Ltd (1918) changed this theory. When there is a chain of events, insurers are liable where the loss flows in an unbroken chain directly from an insured peril. If the chain is broken, with no excluded perils, an insurer is liable only for that loss caused by an insured peril. When there is an excluded peril, the subsequent loss caused by an insured peril will be a new and indirect cause, interrupting the chain. Damage following novus actus interviens is not covered. Concurrent causes may be independent or interdependent. If one of the losses is not insured, then only the loss arising from the insured peril is covered, unless the causes cannot be separated and in which case all of the loss is covered. If one of the concurrent causes is excluded, then no cover operates, unless the other cause is insured and can be separated. Insurers sometimes exclude losses caused directly or indirectly by the peril in question. The effect will be to widen the exclusion and reduce the scope of cover. For example; If a policy excludes losses directly or indrectly caused by erathquake; it means that the policy will not cover neither the earthquake shock nor the fire damaage which might result.

Food and Beverage Management Essay

The food and beverage department plays a pivotal role in a star hotel. Such a hotel can hardly be convinced of without food and beverage section. Star hotels worldwide have costly and gorgeous bars which earns them significant amount of revenue. To extend the beverage provision of the hotel, there should be a strategy to procure and sell quality beverage at competitive price and serve the guests to their satisfaction in an ambient environment. For achieving the goal one should having a fair knowledge of different licensing regulations to achieve a great sale of different kinds of beverages and customer satisfaction. a) â€Å"The licensing framework and its implications on the hotel†. * Local licensing framework: There were various licensing laws in the UK governing sale of liquor in the past. The ‘licensing Act 2003’ came into existence on 10 July, 2003, which â€Å"provides for a unified system of regulation of the activity of sale and supply of alcohols†. * Some aspects of the licensing Act 2003 are explained below: i) Licensable activities and qualifying club activities. a) â€Å"These activities are the sale by retail of alcohol, b) The supply of alcohol by or on behalf of a club to, or to the order of, a member of the club, c) The provision of regulated entertainment, and d) The provision of late night entertainment†. ii) Licensing authorities: The Licensing Act 2003 mentions the bodies which consist of licensing authorities. Each licensing authority, with the exception of those which cover the inner and middle Temples is required to establish a licensing committee of between ten and fifteen members and also describe the objectives which the licensing authorities must promote. These objectives are: * â€Å"Public safety * The prevention of crime and order * The prevention of public nuisance * The protection of children from harm†. iii) Each licensing committee is required to â€Å"determine and a publish a statement of its licensing policy every three years. The licensing authority must consult: * The police, * The local fire authority, * People who represent holders of various categories of licenses, * Representative of local business and residents†. iv) This Act provides for four types of license namely: * Personal license * Club premises certificates * Temporary event notices * Premises license â€Å"A premises license This license authorizes a hotel to carry out licensable activities. It has details of operating conditions which requires the premises to carry out its operation in line with the licensable objectives. It lasts unless it is surrendered or revolved. It may be time if te applicant so requests†. * Some aspects of regulations of premises licenses: An application for a premises license needs to be made in prescribed form: An applicant for a premises license: * Will submit an operating schedule underlining curtain about activities to be carried out in the premises. * If represented against it by the police, the fire authority, the safety agency, or interested parties, the licensing authority will call for a hearing. After considering the hearing, the same authority may reject the application fully or partly or may attach some condition to the license. * Requires an appointment of an ‘authorized person’. * Requires a ‘designated premises supervisor’, a holder of personal license for the place where the premises license operates. * Identifies some categories of person, who, among others , may apply for premises license: * A person who is engaged or proposed to be engaged in a business involved on licensable activities in the premises. * Any individual aged at least 18 wishing to run a business on commercial basis involving the sale or supply of alcohol. * Provide for some mandatory condition which among others are: * Every supply of alcohol must be made by a personal license holder or person by him. * In case a premises license is stolen, lost, damaged or destroyed, the premises license holder may apply for a copy to the license authority. * Unless granted for a limited period on the desire or the applicant, a premises license will last until it is surrendered or revoked. This will lapse if the holder dies, mentally incapable and insolvent, the company is dissolved. A license holder may voluntarily surrender a premises license. * Some other aspects * Unlike the previous regulations, the licensing Act 2003 dose not fix up the days or the opening hours when alcohol may sell by retail for consumption on or off the premises. The licenses themselves decide when to sell and when to close the sale. * Centrally set, fees for license, certificates etc are fixed on the basis of full cost recovery. * The license authorities have the power to suspend or revoke a license. They can also modify operating condition. * The police are empowered to close licensed premises to deal quickly with unruly behavior and excessive noise. * Offences The following activities, among others, constitute offence under the Act. Ignorance of these offences will impede a manager’s function and duties. A few of them are: * Unauthorized licensable activities (section 136). * Exposing alcohol for unauthorized sale (section 137) * Keeping alcohol on premises for unauthorized sale (section 138) * Allowing disorderly conduct on licensed premises etc (section 146) * Sale of alcohol to drunk person . * Obtaining alcohol form a drunk person (142) * To keeping smuggled goods (section 144) * Admitting un accompanied children under 16 to certain premises (section 145) * Selling alcohol by retail on and moving vehicles (section 158) * Furnishing false statement made for the purpose of this Act (section 158) (Part 7 of the licensing Act 2003) * Implication of licensing regulation. In this age of high –tech technology when business operation are conducted within moments though electronic online system, processing of application for a beverage license rather a longer time. Granting such a license by the licensing committee is also equally time consuming. b) â€Å"Developing the drinks and wine list to achieve higher income and customer satisfaction, including non-alcoholic drinks†. * Developing drink Menu /List To extend the beverage provision of the hotel assistant manager has to focus on the sale tools of beverages, a primary requirement contribute to their sale. These tools are: 1. Beverages menus 2. Creating right and cosy ambience and decor in the room 3. Selling of popular and quality drink at competitive price. The common and main tools are the menus, popular and quality beverages themselves. To carry out the program of extending beverages provision the assistant manager must consider the following: * When customer are on the premise at hotel bar or restaurant, they look for: * An attractive and appropriate menu. * Good food and beverages in soothing and ambient environment. * The beverages menus. The beverages menus inform customers what drinks they have available and their cost. By presenting a well planned and nicely prepared menu, an atmosphere is created to target sale of alcohol to the customers and achieve a margin of profit. Therefore, it is very important to plan and present an appropriate menu so as to make the customers touch the menu with a sense of satisfaction that easily leads him to his choice. Using correct language and setting right location of the items in the menu, the management may skillfully entice customers to select their items comfortably. To carry out the strategy there is a need to fix up basic menu criteria that consists of the following factor: * General presentation General presentation of a menu identifies the image of the hotel. The following aspects of a menu are very important which should be: * Attractive * Clean * Easy to read * Complementary * Responsive to current awareness * Well designed * Menu content The content of a menu is very important. The for beverage provision the menu needs to be prepared and presented in the style and with features as discussed below: * Language The language of menu must be I line with the type of operation. If prepared in foreign language, it must be simple and accurate so that customers can easily choose items of their preference. * Accuracy The menu needs conveying the right price of the items and their availability. customers do not like wasting their time. So the menus must be accurate about pricing and availability. * Pricing Attractive and competitive, correct pricing of an item of food or alcohol is key to the extension program. Recasting the present price structure is essential to target sale at comparative price. * Sales mix Sales mix refers to composition of total sales as between main food and beverages. Designing a menu with potential sales mix of items the customers may select is important. If the sales mix is not satisfactory it will be hard to cover the costs of food and which eventually may fail the operation. * Layout of the menu It should neither be too short or too long. The length of the menu should be as such as will adjust itself to the liking and need of the customers, who prefer short and attractive menus. * Types of beverages menus Beverages menus are grouped as * Wine menus * Bar menus * Room service beverage menus * Special promotion beverages menus * Bar menus: These are two types, such as, large display of beverage menu and the small printed menus. The former should be displayed at the back or to the side of the bar while the later be available on the bar or on the table of the bar. * Room service beverage menus Depending on the standard of the hotel and the level of room service offered, these should be quite expensive to entice the customers. * Special promotion beverage menus It is essentially a promotion menu. This relates to advertising sale of a particular beverage either free or at a special price during an event. c) â€Å"The pricing policy for the new drink list†. More presenting attractive and well designed menus may not boost up beverage sale. Significantly important is adapting correct pricing policy. The beverage market is very competitive. Economic recession worldwide has to some extent the situation. The number of pubs has gone down but investment in the development of new premises has increased. Pubs, clubs and bars sector is largest employer in the world. The sector is very competitive. Considering the realities, the assistant manager therefore lays emphasis on the following aspects regarding pricing. * Pricing The price should include the operation cost, setting up cost, the cost of electricity, gas, washing, cleaning, the fixed cost such as staff cost, rates, loan payment, mortgages and VAT. The pricing should be based on the target market of the operation. Pricing also determines the type of clientele the operation has. A premium price demands not only a high quality drink but also high quality service, furnishing, decor, ambience or entertainment. The product and service, as received by the customers, must match the value of the money they spend, regardless of what the price may be. Pricing policy should attract customers even through by lowering profit. Pricing should be targeted to work a promotional tool. Offering special lunch or dinner with alcoholic drinks and offering wine on discounts to target group of users should be made for larger sale. The hotel management should aim at maximizing the number of customers. They should target the customers, they believes, they will have. The physical design of the premises, the human resources, the products themselves and the styles of service should meet the expectation of the customers. To maximize numbers of customers, gaming, betting, casino lotteries should be installed. Incidence of investment necessary in this regard should be included into beverages pricing. Cost of storage and control of beverage should invariable from a part of price. d) â€Å"Purchasing, storage and control of beverage stock†. * Purchase of beverage stock To sell any beverage profitably largely depends how it is procured, stored and preserved from damage, miss use and theft. Therefore the hotel management should adapt the following policy in relation to beverage purchase. * Purchase The hotel tied up with a brewery company like bass, white bread and brains. Beers may be procured from the parent company and other beverages from nominated suppliers. The drinks should be sometimes procured from nominated suppliers in bulk quality as to achieve significant discount. When beverage can be bought from a parent company at lesser price than supplier’s it should be bought from them. The hotel being a part of national chain, the purchase of all business is conducted by the purchasing department which should independently choose any suppliers it likes by negotiating maximum discount * An item wise strategy for purchases of alcohol is as follows. * Breweries Breweries are national, regional or local microbrewery. The hotel, even if tied to any brewery, should retain its option to source its purchase independently. When non-tied they can buy from any source by negotiating discount. * Cash and carry Specialist supermarket, cash and carry sells in bulk. The hotel may use them in emergency following normal practice: * General wholesaler The hotel may purchase alcohols or wines with competitive price from big wholesalers which buy from overseas and keep stock of beverage in their large warehouses. * Wine wholesaler. Like a general wholesaler, a wine wholesaler is specialized in supplying better quality wine. They can also sell premium spirits like Avery’s of Bristol. They may be used to procure wines for customers having higher socio-economic profile and disposable earning. Wines seller like Matthew Clark may be used as a significant source. * Brokers They specialized in sales usually from a specific region. To sell to both small and big operations. Both of them may use the brokers when needed and convenient. Purchasing from brokers through complex with cost factors, should be used during expediency. * Agency distributor As often cheaper and s they also offer after service they should be another source for beverage purchase. They are large wholesalers, often having licenses to manufacture international brands within UK. * Storage and control of beverage Procuring beverage at competitive price with satisfaction discount is an important skill in revenue earning from alcohol sale. Equally important is how the procured beverage are stored, preserved and their movement is controlled. If beverages are not properly stored, they will deteriorate and also may be stolen. This direct affects investment and revenue earning. As consumed by customers by customers food and beverage should be stored, preserved, maintained in a manner that they remain fit for humans consumption. The following factors in storing and controlling the beverage stock should be taken care of in relation to: * Sprits, liquors and some types of wine which have shelf lives. * Application of food safety Acts to control hazardous substances and beverages. * Cleaning of beers pumps and lines area as supplied through them. * The storage area should be clean as dry damp condition can harm label, cartoons etc. * Lightning should be low (40watts maximum). The beer storage should be 13 to 14 degree Celsius while a wine storage should have a temperature of 13 degrees. A significant variation let us say 3 to 4 degrees either way can effect deterioration. * All storage areas of all kinds of beverage should always be kept clean, tidy and be swept and washed. Empty containers must not be kept in the same place with the new stock as they are likely to accumulated bacteria from open containers. * A financial involvement in the wet stock being big, security aspect of stock should be taken care of. Access to storage record and movement of stock both internally and externally should be controlled, specific and designated. * Beverage beyond expiry dates cannot be sold. So it should be a regular practice to examine † the best before system on line information on stock control, electronic bar management, rapid order system point of sale , application of appropriate technology for control of beverage stores all these are effective control method of beverage stock .

The Chronicles of Quality Writing Paper

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Is It The Right Thing For Me Join The War After College

In life, we are constantly faced with situations and scenarios where we have to make choices. Deciding which choices we make is often times determined by what we deem as right and wrong. There are no clear-cut, black and white answers to these questions, so we have to take it upon ourselves to do our best to make the right choices. Imagine this, your country is heading to war, and you want to help serve your country against the terrorists attacking your home. So you go to school majoring in the enimes language. However, while going through school it is discovered that your country is using extreme tactics like torturing prisoners of war. Would you still join the war after college? What is the right thing to do? The first question you should ask yourself is â€Å"is the war and the tactics used morally just†. The answer to that is yes. The next question you should ask is â€Å"is it the right thing for me to join the war†. The right thing to do is to continue helping you r country and going to war. It is the right thing to do because the actions taken were just, and fighting in the war in the end will bring peace and happiness. So how could torture be considered just? Mill states, actions are right in proportion as they tend to promote happiness, wrong as they tend to produce the reverse of happiness. This is saying that in order for an act to be â€Å"right† it must bring as much pleasure or happiness as possible while avoiding as much pain as possible. Torture is a horrific act. It isShow MoreRelatedJulissa Martinez . Mrs.Campbell . English Ii3Rd Period1623 Words   |  7 Pages After high school I am interested in being a military nurse because I have been wanting to join the US Army but I also wanted to be a nurse so I decided why not be both. I have always been interested in being a military nurse because I get to help people that are saving us from dangers.Not also that but because it has been my father s dream. People in this career help injured soldiers during war which means they have to be exposed to dangerous war zones. Somethings thatRead MoreLoss of Innocence1554 Words   |  7 PagesMany people experience the loss of innocence every day because it’s just a natural thing. One way that people loss their innocence is through the violence of war. Most people in a war will come unto the fact that it’s a kill or be killed kind of thing. Everyone would naturally choose to kill another man and that’s how many people in a war end up losing their innocence. Another way that people lose their innocence is when they witness the death of someone else. In the book â€Å"Fallen Angels,† LieutenantRead MoreBeccas Story1441 Words   |  6 Pagesended, Becca wrote mainly about these people. 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The career of a ARMY Combat Operations Enlisted is an challenging and remarkable career,because of the duty you do for your country and allRead MoreEssay on Mississippis Freedom Summer1115 Words   |  5 PagesRationale Although I wasn’t in Mississippi during the ‘Freedom Summer’, I had a solid understanding of how life was during the ‘Freedom Summer’. This was years of racism and segregation towards the blacks in the US during the Civil Rights Movement. My aspect type was racism, and I learned of its impact on life through our analysis in the class of The Color Purple (1982) by Alice Walker, an epistolary novel about the lives of black people in rural dominated white racist Georgia during the 1920’s-50’sRead MoreWar Was Heroic And Noble1119 Words   |  5 PagesEisenhower once said to the Canadian Club â€Å"I hate war as only a soldier who has lived it can, only as one who has seen its brutality, its stupidity.† If I’d have heard that growing up, I’m not sure what I would have made out of it. Some people have family businesses, trades that are inherited almost like hair or eye color. In my family it was soldiering. It was just wh at we did. A well-established expectation. Hollywood and family taught me that war was heroic and noble. Understand I grew up poorRead MoreThe Federalist Papers : Alexander Hamilton, James Madison, And John Jay1094 Words   |  5 Pagesof the treasure of the United States. Hamilton was a man of many things: a Government official, author, military leader, economist, lawyer, and political scientist in his short lifetime. As ambitious a man Hamilton was, he obtained his first job at the age of eleven. Hamilton kept himself bust, determined to be successful, and enrolled in Kings College for a short time. When the Revolutionary War started Hamilton left college to join the Provincial Artillery Company. In his time with the Company,