Health Care Spending Essay

â€Å"Historically, U.S. medicinal services spending has developed at rates surpassing the economy’s development rate, frequently by at any rate 2 rate focuses per year† (Holahan and McMorrow, 2012, 393). As of late, it appears that the pace of human services spending has hindered a bit, however no reasons can be pinpointed with respect to why this is. There are numerous components that influence the development of human services spending, and a lot of arrangements have been proposed to help improve this issue. Figures, for example, headways clinical innovation and an expansion in the cost of physician endorsed drugs cause social insurance expenses to rise quite a long time after year. Arrangements have been introduced and executed, similar to Medicare and Medicaid and oversaw care plans, notwithstanding, even these parts have added to the medicinal services spending issue. With all the conversation and discussion, one thing can be settled after, something should be finished. As of late both open and private payers have encountered a severe ascent medicinal services spending that has surpassed salary development. This development began directly after the finish of World War II and has keep on expanding at regular intervals, medicinal services spending has surpassed the gross local items (GDP) which had a projection of 26% by 2035 taken for social insurance spending, earlier the human services change was passed. This number is just going to keep expanding, which get the significance of control the spending since the nation’s long haul financial equalization will be controlled by the future rate development in social insurance cost. As indicated by Chernew (2010) the essential determinant of spending development is the turn of events and dispersion of new clinical innovation. Anyway this doesn't suggest the foundation of new innovation rather centers around how to utilize it with advancements and frameworks as of now being used, at the end of the day make it perfect to cooperate. The decent variety of advances adding to spending development produces an assorted variety of pathways by which innovation builds spending. These incorporates high unit cost driven capital expense or the requirement for particular work, high volume, or cost identified with integral administrations. Since the past pace of human services spending development isn't feasible, both private and open payers will make a move to bring down spending. Those activities may a bit much change the powers that generally have driven up spending, yet they will be intended to address the prompt issue of high sending. There are numerous alternatives from cost sharing from patients, decreases in installments to Medicare Advantage, charge decreases under the new installment rules executed with Patient Protection and Affordable Care Act. On the article there is a proposal that I find intriguing about Global installments, which is a substitute type of packaged installments which is a program use to pay a fixed charge for a lot of administrations identified with a particular scene of care. This may be a decent answer for the circumstance we are confronting now, since it would offer suppliers the chance to benefit with diminished income, and even offer a portion of the investment funds structure not utilizing social insurance administrations. However all together for packaged installments framework to be effective the need of having the best possible instruments to improve the productivity of care. Numerous suppliers will have the option to build up these instruments, however it would require organization between offices, doctors, and guarantors. For the framework to be effective it would need to painstakingly oversee practice design changes because of new innovation, altering forcefulness dependent on the liberality of packaged installments refreshes. Whenever packaged installments support efficiencies, they may decrease the degree of spending more than spending development, and that is actually the zone we as nation should be taking a shot at. As per President Obama, â€Å"We don't have a spending issue; we have a social insurance problem†. This announcement was disturbing to numerous Americans. The President feels that medicinal services spending on the maturing populace is the main financial issue. At that point for what reason is the arrangement taking such a long time? With Obamacare, Medicare will see slices up to $716 billion. Where will this leave the Americans who get Medicare? How might they despite everything get human services with this a very remarkable cut? Will Providers give a similar elevated level of care with the high slice to their normal charges? It is extremely unlikely of knowing whether this will even take care of the social insurance spending issue or on the off chance that it will make much bigger issues for Americans. Spending cuts will be required in different regions to make these slices to medicinal services spending improve the monetary condition of our nation (Galupo, 2013). As indicated by New Republic’s Jonathan Cohn, the new social insurance change tends to the expense of medicinal services as opposed to human services spending. He contends the proposed spending cuts will address the social insurance going through issue alongside other spending cuts. Obamacare may not be a decent answer for the current medicinal services spending issue in America. Many recommend that the new law’s influence on supplier repayment rates will hugy affect access to think about numerous seniors. This can incredibly influence the strength of our maturing populace. Spending cuts anticipated for Medicare and Medicaid will help that part of human services going through however with the additional sponsorships for individuals to buy private health care coverage, the investment funds simply don't make any sense. With regards to human services spending there is a lot of debate on what expands social insurance cost, what estimates we can take to keep medicinal services cost down, and what moves we can make to make human services moderate without constraining medicinal services. As indicated by kaiserEDU.org the graph gave beneath shows how costing allots all through the country. â€Å"Hospital care and doctor administrations joined included for half (51%) of the nation’s wellbeing expenditures.† Below is a chart from the year 2010 of the nation’s wellbeing uses. National Health Expenditures, 2010 Totaling up = $2.3 Trillion Some significant development medicinal services costs remember an ascent for constant sickness, managerial expense, or innovation or solution cost, despite the fact that there might be a lot more use that signifies the development in social insurance cost these three have been talked about to have the greatest impact on the country. As innovation keeps on progressing throughout the years to come, we may confront more social insurance battles, so being set up for the startling prompts a sound future. Human services spending keeps on being a worry for most Americans. â€Å"The nation’s endeavors to control medicinal services costs have not had a lot of long haul impact, provoking a discussion over what recommendations are really ready to decrease as long as possible. Approaches are to a great extent isolated by banter over a more grounded job for government guideline or market-based models that empower more noteworthy competition† (kaiseredu.org). Plans, for example, Obamacare are being actualized, however these plans are not taking care of the issue. Political discussions and open conversations will proceed as individuals attempt to make sense of what variables are liable for this issue and what arrangements are genuinely planned for accomplishing ideal human services at moderate expenses. References Chernew, M. (2010). Medicinal services Spending Growth: Can We Avoid Fiscal Armageddon?. Inquiry,47(4), 285-295. Galupo, Scott, 2013, Let’s Split the Difference: We Have a Healthcare Spending Problem, The American Conservative, Retrieved February 14, 2013: http://www.theamericanconservative.com/lets-split-the-distinction we-have-a-medicinal services spending-issue/ Holahan, J. and McMorrow, S. (2012). Medicare and Medicaid spending patterns and the deficiency banter. The New England Journal of Medicine, 367(5), 393-395. Senger, Alyenne, 3013, No, Obamacare Does Not Lower Health Care Spending , The Founder, Retrieved February 16, 2013: http://blog.heritage.org/2013/02/12/no-obamacare-doesn't bring down wellbeing carespending/ The Henry J. Kaiser Family Foundation. (n.d.). U.S. Medicinal services Costs. Recovered from http://www.kaiseredu.org.

Eagle Boys Pizza Report Essay Example for Free

Falcon Boys Pizza Report Essay Established by a youthful cook in his mum’s carport in 1987, Eagle Boys presently works in excess of 335 stores all through all conditions of Australia. It is 100% Australian claimed and worked and conveys pizzas to hungry families across Australia from metropolitan downtown territories to little remote towns. With more than 8,000 colleagues broadly, Eagle Boys makes just shy of 18 million pizzas every year and produces a yearly turnover of more than $200 million. Concentrated on conveying genuine taste, genuine size and genuine incentive to pizza sweethearts across Australia, Eagle Boys is client centered and persistently analyzes approaches to improve its consumer loyalty and administration. Bird Boys guarantees pizza darlings across Australia get delectable suppers and excellent assistance each time via preparing its establishments to submit 110% to customers’ fulfillment. Clarification of its lawful structure Eagle Boys pizza is a Proprietary organization, implying that it is private. The investors of Eagle Boys Pizza Pty Ltd, have restricted risk security, which implies that the most cash they can lose is the sum they paid for their offers. Hawk Boys started as a privately-owned company, as it was established by Tom Potter and his mum in 1989. It is a fused business, implying that the business is a different lawful element from the proprietors. This permitted the business to be sold and still be worked, in 2007 to Todd Clayton who is presently the CEO and overseeing executive of Eagle Boys Pizza. The way that it is a different legitimate substance, permits the organization to sue, be sued, purchase or sell property and furthermore have ceaseless progression. Recognizable proof of the present phase of the business life cycle the business is right now in and give explanations behind your perspectives Eagle Boys pizza is at present at the development phase of the business cycle. Its will likely keep up benefits at prior levels. As of late, in February 2011, Eagle Boys reacted to the developing modernity of Australians’ pizza sense of taste by revealing its new Gourmet Pizza Range highlighting fixings, for example, Roasted Potato, Salmon Steaks and Tandoori Chicken. Falcon Boys is additionally the main Australian pizza creator to offer Ready 2 Go! â„ ¢, which permits clients to get their hands on a portion of their preferred pizzas without calling in advance or holding up between 5. 30pm and 8pm day by day. Since Eagle Boys was bought by private value firm NBC Capital and the present official group in 2007, Network store numbers have developed by 63% which is the most noteworthy time of development in the company’s 24-year history. Falcon Boys saw deals grow 15. 4% during the a year up to June 2010, bringing all out deals development during the previous three years to 43. 2%. The organization anticipates that the solid twofold digit development should proceed with the opening of extra stores and the dispatch of new items. Distinguishing proof of one business law and one administrative body corresponding to this business †clarify how this business agrees A case of a business law of the Eagle Boys pizza is a security law. Hawk Boys is dependent upon Privacy Legislation, including the National Privacy Principles (NPPs) under the Privacy Act 1988, The Privacy and Personal Information Protection Act (1988) and authoritative necessities identifying with Privacy according to various State and Territory Government License Agreements. Falcon Boys Pizza consents to this law by gathering data by either determining or leaving the explanation alone obvious at the time the data is gathered. It isn't Eagle Boys’ general practice to gather delicate data and they will just gather touchy data with the people assent. An administrative body that Eagle Boys Pizza conforms to is the Australian Competition and Consumer Commission. Hawk Boys applied for notice of lead whereby it would give establishments on condition that franchisees obtain merchandise and ventures from indicated providers. That warning was held up on 13 August 2009 and permitted to remain on 21 September 2009. Falcon Boys agrees by guaranteeing item wellbeing and risk and doesn't give any bogus or misdirecting promoting. ID of two huge difficulties for the executives in the business life cycle †one test the board has looked preceding 2011 and one they will look later on (guarantee you state which phase of the existence cycle the business experienced/will encounter this test) A noteworthy test that Eagle Boys pizza the executives has looked preceding 2011 is reacting to the developing measure of various pizza organizations, in rivalry with Eagle Boys, and the need to present new ranges and assortments of items to fulfill the necessities of customers. They had been tested to present new items, for example, gourmet pizzas, treats, and sides, for example, pastas, chicken wings, garlic bread and so on. This test was experienced during the development phase of the business cycle. A critical test that Eagle Boys pizza the executives will look later on is decrease, in the Recession phase of the business life cycle. As the business would have been running for some time now, it will have become a high-hazard business. Items may get out of date, leaving the business with unsold stock. Another factor affecting decay is all around qualified representatives starting to leave and look for better openings for work. Because of the progressing presentation of new organizations in a similar field, Eagle Boys will be influenced by buyers done purchasing the organizations items, bringing about a huge imprint in the income. Subsequently, benefits will likewise decay. Recognizable proof of the business natural impacts, both interior and outer, that have affected upon this business Internal ecological impacts that have affected Eagle Boys Pizza incorporate item impacts, for example, the scope of menus that it gives just as administrations gave. E. g. Conveyance administrations. Area impacts additionally largy affect the business. The area of establishments is indispensable as a prime area implies the business will pull in higher quantities of clients as it is advantageous and noticeable. The closeness to clients, providers and bolster administrations is likewise basic in deciding the area of the business. Another inside impact is assets. Representatives, being the primary advantage for the business are a critical asset. Other significant assets incorporate cooking and overhauling gear and apparatus just as crude materials that permit the business to make and sell their items. The executives impacts control the laborers and help to give a progressively composed structure and simple method of correspondence and co-activity. Outer ecological impacts that have affected Eagle Boys Pizza incorporate Legal impacts, for example, expanding legitimate commitments and business prerequisites. Political and institutional impacts incorporate tax collection, representative superannuation, endorsement of new turn of events and modification applications. These impacts strongly affect how and where the business is run. Another outside impact is money related impacts. Monetary impacts make changes in the budgetary market which can cause chance for the business. Land impacts intensely sway the open doors for the business. Segment factors, for example, populace, age, and salary control the notoriety of the business. Clarification and basic investigations of how the board has reacted to the above scope of difficulties and impacts The main Eagle Boys Pizza opened in Albury, New South Wales. Bird Boys publicized their items as semi-gourmet pizzas that very extraordinary to the bigger chains, yet less expensive because of the high creation yield. This fruitful thought got on, and the primary store in Albury was rapidly making a liberal benefit. Inside not exactly a year, Eagle Boys opened up two additional stores in the neighboring urban areas of Wagga and Dubbo. As the organization supported its development, it put a ton of vitality into looking into approaches to satisfy customer needs in various areas. With hides away up in provincial, rural and urban regions all through Australia, the organization turned out to be extremely mainstream because of working in regions that other enormous inexpensive food organizations would regularly disregard. One especially effective store model was the advancement of a drive-through pizza store in 1999, an idea which was incredible at that point. Australia’s first drive-through pizza store showed to be monstrously well known, as it was simple and advantageous. Developing this brisk pizza conveyance framework, the organization propelled the Eagle Boys Pizza Express Store soon after, which was intended to offer snappy assistance pizza out of a little area in profoundly populated pedestrian activity regions. This express framework end up being extremely well known, and new areas began to jump up at air terminals, shopping centers and person on foot shopping centers around the nation. Numerous areas were presently creating up to forty precent of their deals. As the organization began to encounter expanded rivalry, it needed to plan something for separate its express pizza administration from different organizations offering comparative items. Hawk Boys in the long run built up a well known branch menu for Eagle Express stores: â€Å"Ready, Fresh Go! † in 2008. This thought implied that while it is an expedited service framework, the pizzas are made new and held in uniquely planned moderate cook broilers that guarantee their newness. The company’s commitment to research and reaction to shopper patterns and the improvement of new, quality items quality deduced in the biggest renewal of the Eagle Boys menu in its history. Propelled in mid 2010, the new menu included an assortment of new things. Aside from new pizzas, new things, for example, a chocolate fudge mousse dessert, pasta dishes, extra side dishes and beverages were presented. Clients have reacted with a resonating fulfillment, and all through 2010 Eagle Boys delighted in perhaps the greatest increment in

Essay --

â€Å"The procedure of learning proceeds for the duration of one’s life says a familiar adage†. As one continues learning new things, one understands that there are a lot more things which one needs to figure out how to extinguish one’s hunger for information. Over the span of my undergrad study I have learnt numerous things however I have likewise understood that I have to learn more to propel outskirts in my field of premium. An alumni study is the following stage as I continued looking for information and to draw out my strong point to the fore. I Pavan Kumar Vanga finished my Bachelor of Technology in Computer Science Engineering at Joginpally B.R.Engineering College subsidiary to Jawaharlal Nehru Technological University at Hyderabad, one of the eminent foundations for undergrad concentrate in India. My choice to seek after alumni study has been roused by my target of looking for important graduation identified with PCs. I solidly accept that I have the imperative foundation and fitness for seeking after graduation in this field at your college with the total information on programming dialects like C, C++, Java. I was interested by the idea of Object Oriented Concepts, Operating System and Computer Networks, which practically contracted the globe and its inescapable nature. This different nature of these subjects with its new roads for investigate persuades me to be a piece of this energizing field. I have exceeded expectations in scholastics at each progression of my instruction. I finished my tutoring from Bhashyam Public School, Hyderabad making sure about 83.3%. In my pre-college at Narayana Junior College, Hyderabad. I took Mathematics, Physics and Chemistry as majors and made sure about 90.7%. My undergrad study was the most critical period for forming my future the correct way. I took Computer Science Eng... ... to seek after my further instruction in your regarded college, as my most significant long stretches of learning stretch right ahead. The excursion ahead, vows to be a difficult one, it likely could be strenuous and requesting now and again. After a cautious investigation of different schools and the courses offered by colleges, I at last chose to apply for your college inferable from the nature of courses it offers. I emphatically feel that I can coordinate the exclusive expectation of your college and contribute productively for the examination tries at your college. An assistantship other than offering budgetary help would give me priceless research-instructing experience. I am quick to join as an alumni understudy at your regarded office with appropriate money related help. I thank you in expectation for considering my candidature and allowing me a chance to communicate. . Pavan Kumar Vanga

Han and Roman Attitude Towards Technology - Free Essay Example

The world operations have been made easier with significant development in technology. The advent of technology dates to the periods of stone-age tools. Man, during the stone age era applied the use of simple tools in undertaking different activities. However, with the advancement in time and inventions, these simple machines have been turned into more sophisticated items that have made work more manageable Achterhuis (2001). Do all humans have the same attitude towards technology? Are there conflicting ideas and perspectives held on technology? As a response to this, the paper will evaluate and assess the attitudes that Han and Roman have on technology. Han in the documents holds a favourable view towards technology and holds reverence towards it. On the other hand, the perspective of Roman towards the same is contradictory. As such, the two parties present to us a parallel and conflicting ideas towards technology. Han appreciates the fact that technology has boosted human life. For instance, he outlines the steps in ensuring water preservation which makes good use technology. Han further, clarifies on how technology was applied to improve the efficiency of pestle and mortar. Gonzalez (2015) attests to this mentality on how water hydraulics can be implemented in managing floods and conserving water. Roman holds a cynical and deplorable perspective with regards to technology. Firstly, Senecca argues that tools were never invented by wise men. His premise creates an argument of what qualifies a wise man? Achterhuis (2001) maintains that the ability of an individual to develop and discover something makes the person wise. Therefore, it is null and void for the Roman to reach such a conclusion. In conclusion, individuals have the right to an opinion, and this has been practiced by both Han and Roman. However, the truth value of the views can only be evaluated with the evidence produced. In which case Hans views are more convincing as compared to Romans. References Achterhuis, H. (2001). American philosophy of technology: The empirical turn. Bloomington [u.a.: Indiana University Press. Gonzalez, W. J. (2015). New perspectives on technology, values, and ethics: Theoretical and practical. Cham : Springer

Tablets Are Not Only Being Accessed For Personal

The process for how businesses promote their brands, entertain their customers, communicate with their employees and complete business transactions has transformed through the years as technology has improved. Tablets are not only being accessed for personal use now, but they can also play an important role in the way a business is run, welcomes their customers, entertains their guests, and accounts for customers. Tablets can be found being used as interactive menus in restaurants and bars, concierge services, photo booths, concerts and sporting events, digital signage in grocery stores and clothing retailers and specialized point-of-sales. In some restaurants the consumer can find tablets sitting at every table, allowing the customers to†¦show more content†¦The healthcare industry is one example of the integration of tablets, they are being used by associates to schedule and confirm appointments, look at patient care information, and view diagnostic images, medical referen ces and E-prescribing. In addition to the healthcare industry the legal industry has implemented the use of tablets to be able to access documents as well as depositions wherever and whenever they are needed. Other industries that are quickly introducing tablets to their businesses include pharmaceuticals for e-detailing, a floor sales tool for retailing, and presentations, forms, decision tools, reference, video conferencing and configuring price quotes for field sales and service. Marketers are combining tablets for the use of Tradeshows, creative reviews, digital signage, and interactive brochures with business operations. How Tablets affect Business A business advantage of tablets and smartphones is that these items allow businesses to communicate with business partners and clients from anywhere. One of the major business appeals of tablets is that the electronic can offer businesses the power to do more by combining flexibility, convenience, ease of use and security in perfectly portable packages. Tablet computers are powerful business tools that can deliver a significant productivity boost for business because tablets can integrate with your business’s other systems,

The Interest Rates On Federal Student Loans Essay

College is not quite as optional as it once used to be in the era of our parents and their parents. To get a job that will pay substantially more than with just a high school degree, it is becoming more and more common for high school graduates to go straight to college. With the price of college skyrocketing, it is extremely common to take out student loans (from the government or private institutions), all which come with interest. This paper will focus on the different aspects of student debt, including rates, how they compare with car and mortgage debt, forbearance and deferment, default and delinquency, and adverse selection and moral hazard. The interest rates on federal student loans are set every year depending on the 10-year treasury note rate in addition to a fixed percentage depending on the loan type. They are set by the United States Congress. Depending on the type of loan you acquire, your rate will be different. Direct Subsidized Loan and Direct Unsubsidized Loan rates for undergraduates are currently 3.76 percent, down from 4.29 percent last year. Direct Unsubsidized Loan rates for graduate students are currently 5.31 percent, and were 5.84 percent last year. Direct PLUS Loan rates for graduate students and parents are currently 6.31 percent and were 6.84 percent last year. [Access Group, 2016]. Privately issued loans may be issued by private institutions such as banks, schools, credit unions, and state agencies. Generally, privately issued loans are moreShow MoreRelatedThe Rate Of Student Loan Essay1456 Words   |  6 Pages Student loans, also often called student debts, are financial aids in a loan form that requires borrowers to repay in the future (Wikipedia). Usually, student loans mean to provide students with financial issues the opportunity to obtain a college degree, which leads to an average lifetime income increase of $1.13 million for men and $792,000 for women (University of Kansas 1). As student loan aims at helping people live a better life, many college students exhibit negative attitudes towards interestRead MoreStudent Debt Crisis1380 Words   |  6 Pages A student loan is designed to help students pay for university tuition, books, and living expenses. It may differ from other types of loans in that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in education. It also differs in many countries in the strict laws regulating renegotiating and bankruptcy. There are two types of student loan that can be applied which are federal student loan and private student loan. BasicallyRead MoreStudent Loans Is The Best?1213 Words   |  5 Pagesthe rate you’re paying on your student loans is the best you can get – or even close to reasonable? Or are you concerned that there may be something better out there, but you don’t know where to find it? One of the major dilemmas with student loans is that they’re a lot easier to get into than to get out of. And once you’re in, the options to improve the situation seem to be very limited. Let’s start by setting the parameters for current rate ranges for both federal and private student loans. AfterRead MoreStudent Lo Samaritan Or Satan?1545 Words   |  7 Pages11/18/2015 WA#3 3rd Draft Student Loan: Samaritan or Satan? â€Å"Die Luft der Freiheit weht† is Stanford’s motto, which means â€Å"The wind of freedom blows.† However, selective universities are not â€Å"free† like Stanford University’s motto and even less â€Å"free† when students graduate. College students pay a huge amount of tuition every year, and yet not every college graduate can find a satisfying job. Many college students choose to take out student loans. Student loans give many students chances to go to collegeRead MoreHow Micro Financing Has Created Intrigue Essay1661 Words   |  7 Pagesmany definitions but the most popular reference these days is the practice of informal loans between individuals rather than institutions (peer to peer Micro loans). Micro financing first became popular in third world countries where entrepreneurs were able to start businesses for as little as twenty-five dollars. Many were able to quickly repay their loans and often times become grantors of other peop les loans. This created a formula for prosperity though admittedly on a small scale. As micro financingRead MoreCollege Graduates Suffering From Excessive Financial Burden As A Result Of Student Loan Debt1657 Words   |  7 Pagesâ€Å"Over the past decade, the total volume of outstanding student loan debt has tripled and is now over $1 trillion† (Jaquette and Hillman). This alarming trend illustrates the immediate need to address the issue of college graduates suffering from excessive financial burden as a result of student loan debt. According to Ozan Jaquette, Ph.D., assistant professor of higher education in the Department of Educational Policy and Practice, and Nick Hillman, Ph.D., assistant professor of Educational LeadershipRead MoreLoan Repayment And Debt Under Control1266 Words   |  6 Pagesalready started repaying your student loans, these tips will help you keep your student loan debt under control. That means avoiding fees and extra interest costs, keeping yo ur payments affordable, and protecting your credit rating. If you re having trouble finding a job or keeping up with your payments, there s important information here for you, too. 1. Know Your Loans: It s important to keep track of the lender, balance, and repayment status for each of your student loans. These details determineRead MoreFinding The Lowest Student Loans Consolidation Program1536 Words   |  7 PagesFinding the lowest student loans consolidation program is very important as this will decide your financial future. You should take this process very seriously and find out ways to search for the loan consolidation program that imposes lowest charges and interest rates. This will not only save you a lot of money but also help you lead a better life where you can pay attention to other necessities and luxuries of your life too. When a person is deep down in debt he does not think anything else unlessRead MoreHaving No Credit History?1134 Words   |  5 Pagesscammer. In most cases, students have no credit history, so why bother running a credit check on them when they apply for a student loan? If you are overly worried about your lack of a credit history and you are worried about credit checks when you apply for a student loan†¦then don’t worry so much. You should protect your credit rating at all costs, even if it means staying away from debt all together. Nevertheless, many students do not need a good credit rating to get a student loan. H3 No Credit CheckRead MoreRefinancing Your Student Loans972 Words   |  4 PagesRefinancing your student loans means that a private lender is essentially buying your Federal student loans, paying them off, and creating a new loan that it will lend to you on new, original terms. The new terms of your refinanced loan will be based off your credit reports, credit score, and other requirements. The new private loan terms include, among other things, a new interest rate and potentially a new term (the length of time over which you have to repay your loan). For example, you could

Company Advertising or Online Reviews

Question: What do consumers believe more - company advertising or online reviews? Answer: To know about all the features and advantages of the product or any service prevalent in the market, or even to know about the disadvantages and the bad reviews for the same, there are two sources from where a potential customer can gather information(Anderson, 2014). The two ways from which most of the description can be gathered about a product or service is- Online reviews Company advertising When a customer plans to buy a product or go in for a service, he tries to evaluate whatever he is planning to buy and see that whatever he is planning to purchase will of a good quality, would it provide him with satisfaction and whether it will prove to be value for money(Charlton, 2013). Hence, to gather all the information about the things and to evaluate and decide whether he should purchase the item, he depends on the two above mentioned sources(Rosen, 2014). Almost every potential buyer tends to look at both of the things before planning t purchase and invest his money into buying of the products. Online reviews are one of the latest and emerging features which have come into a lot of light in the recent times because of the growing technology and advancements in the field of mobile and applications. In the online reviews, the people or the customers who have already bought the products post their feedback from the official sites of the products or on the websites from which they have purchased the goods. The people post online reviews as a form of appreciation when they find the goods very useful and want to share the delight of having that good(Annoynomous, 2004). Whereas, even when the product does not reach to the mark and the customers are unsatisfied or want to complain regarding something, they even post regarding that. Hence, the online reviews show what the people feel and what their experience of buying the product is. On the other hand, when the company comes put with a new product in the market and wants to increase the sale of it, it does a lot of campaigning and give out a lot of commercials and does a lot of advertising to increase the sales of the goods and overall to increase the profits of the company(Overbeck, 2011). During the advertising process, the company tells to the people the latest features, the add on facilities and everything new and unique the product will have and how possessing it would prove to be beneficial for the consumers. Hence, if it is to evaluate which is to be taken into account while facilitating a new purchase, one should always go with the online reviews(Berger, 2016). The online reviews help in knowing what exactly the consumers like us have achieved and what have they faced and benefited from. One can relate with the people who have already bought the goods. The reviews section can be proved to be of great help as it helps in knowing about all the advantages and disadvantages of the product and even of the company, the satisfaction which the product will provide and even helps in knowing the value for money. The online reviews help in evaluating and deciding whether we should plan to purchase the goods or no. it is bett[1]er to rely on the online reviews more than the company advertising as the company would always try to show the good picture and tell the good features, ignoring the bad qualities of the products, because it wants to increase the sales and profits of the product. Hence between online reviews and company advertising, it is better to go with the online reviews. Bibliography Anderson, M., 2014. searchengineland. [Online] Available at: https://searchengineland.com/88-consumers-trust-online-reviews-much-personal-recommendations-195803 [Accessed 9 April 2017]. Annoynomous, 2004. Contemporary Advertising - Page 159. Berger, J., 2016. Contagious: Why Things Catch On. Charlton, G., 2013. econsultancy.com. [Online] Available at: https://econsultancy.com/blog/9366-ecommerce-consumer-reviews-why-you-need-them-and-how-to-use-them/ [Accessed 9 April 2017]. Overbeck, W., 2011. Major Principles of Media Law, 2012 Edition - Page 602. Rosen, E., 2014. HBR.org. [Online] Available at: https://hbr.org/2014/01/what-marketers-misunderstand-about-online-reviews [Accessed 9 April 2017]. (Charlton, 2013)[1] (Berger, 2016)

Positive Behavioral Supports

Introduction Education 50 years ago was not what it is like today. Schools today are confronted with a vast amount of issues. Within those issues are student achievement, school violence, lack of parental support, and behavioral concerns within the school community and in the classrooms.Advertising We will write a custom thesis sample on Positive Behavioral Supports specifically for you for only $16.05 $11/page Learn More Bowen (n.d.) found that various studies have shown that students who act up in school express a variety of reasons for doing so. Some think that teachers don’t care about them and others don’t want to be in school at all while many don’t consider goal setting and success in school important anymore. Despite these hurdles, students agree that discipline is needed in schools. One high school student stated: â€Å"If there were no discipline, the school would not be distinguished from the street.† Bennett (1999) states that most surveys show that Americans complain that too many schools are disorderly, undisciplined places. How much are students really learning when the main focus in our schools today is student behavior and discipline? Many different programs have been presented to schools in efforts to help alleviate some of the discipline problems found in schools and in the classrooms. PBIS (2009) states that â€Å"a major focus for current policy and systems change efforts in education is the extent to which states are investing in practices and procedures that are supported by rigorous research evidence.† Positive Behavior Support (PBS) is a research-based theory that supports the idea that a student’s behavior can be changed if a full understanding of the child is gained. Through positive interventions students are able to reduce the negative behavior and increase the more desirable one. This literature review will examine the literature related to Positive Behavior Su pport, its foundations and the advantages and disadvantages of implementing PBS.Advertising Looking for thesis on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More Origins of Positive Behavior Support Positive Behavior Support is relatively new to the scene of school reform because it was mainly known as behavior modification for special education students who displayed difficult behaviors. The origins of PBS can be traced back to the theory of Applied Behavior Analysis, an expansion of the operant conditioning theory first developed by B.F. Skinner, the American psychologist. A survey performed by Frey (2006) of four hundred teachers revealed that teachers felt that operant conditioning was effective at managing behavior of both groups and individual students. Positive Behavior Support: A Three Tier Continuum It is important to express that like academic forms of instruction, students also require different levels of behavioral inte rventions and different types of support in order to do well in school. Positive Behavior Support focuses on three key levels within a continuum, according to Nelson, Hurley, Synhorst, Epstein, Stage Buckley (2009) the first tier entails â€Å"universal interventions that are expected to prevent the onset of problem behavior in a majority of children altogether and to sustain improvements in child outcomes by the selected and indicated interventions.† This level is known as universal because it delineates school-wide behavioral expectations for all students along with consistent consequences for unwanted behaviors. Level two also known as tier two is mainly for students who still continue to demonstrate problem behavior after tier one was implemented. Tier two on the continuum focuses more on small group interventions. A study done by McIntosh, Campbell, Carter, Dickey, (2009) examined the effectiveness and differential effects of a tier two daily behavior intervention. Thi s study was conducted over an eight week period and the samples were 36 students. The findings confirmed that the amount of office referrals lessened after small group and targeted interventions were established.Advertising We will write a custom thesis sample on Positive Behavioral Supports specifically for you for only $16.05 $11/page Learn More The final tier consists of a more personalized or individualized intervention. Lewis, Colvin, Sugai (2000) state that â€Å"approximately 5% to 7% of the students will require highly individualized behavior support.† Challenges Faced While Implementing Positive Behavior Supports Weinberger (2009) conducted a study using a mixed methodology that identified the strengths and limitations of the implementation of Positive Behavior Supports. Via surveys, case studies focus groups, and behavioral data of students. The study revealed that although student behavior did not improve, the implementation of PBS wa s successful because it was able to identify specific information needed to provide individual interventions to students. A study carried out by Guthals (2009) expressed that there is no evidence of direct correlation between student achievement and the implementation of PBS. Data pertaining to the study was collected through optional surveys completed by school principals concerned about the immense number of office referrals and discipline problems in the classrooms taking a toll on student learning. While direct correlation between what was intended to be tested, the relationship between student achievement and the implementation of PBS, the surveys conveyed that administrative stress level had decreased after the implementation of PBS. Today’s schools must address the behavioral needs of all students at a number of different levels (Mogan-D’Atrio, et al 1996). First, there must be schoolwide efforts that teach positive communication and social interaction skills, a nd develop positive school routines designed to prevent behavioral issues throughout the school day (Fishbaugh Furshong, 1998; Scott, 2001; Taylor-Greene et al., 1997). Second, in conjunction with schoolwide efforts, classroom norms and routines can be established by educators, in collaboration with their students, to create a sense of caring and community in the classroom.Advertising Looking for thesis on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More Third, behavioral issues must be addressed at the individual student level for students who have more intense, ongoing behavioral challenges. Addressing issues of school safety at the individual student level takes place through the creation of positive behavior support plans (Sailor et al 2007). Advantages of Implementing Positive Behavior Supports In light of increasing frequency and intensity of disruptive behaviors in schools nationwide (Martin, Lloyd, Kauffman and Coyne, 1995), policymakers and school practitioners are increasingly considering the benefits of teaching and supporting pro-social behaviors to decrease disruptive behaviors and increase academic success. Urban schools, in particular, face challenges with limited resources and large numbers of students, many of who are living in poverty or violence-prone environments (Netzel and Eber, 2003). Traditional, and more reactionary, school discipline procedures (e.g., those that rely on punishment and exclusion) are general ly ineffective in either reducing challenging behaviors or increasing desired behavior (Mogan-D’Atrio, Northrup, LaFleur and Spera, 1996). One promising alternative, Positive Behavioral Interventions and Supports (PBIS), is a school-wide approach that promotes social competence through a system of behavioral support wherein expected behaviors are defined, taught, and rewarded. Schools implementing PBIS establish a continuum of proactive, positive discipline procedures for all students across all settings. Universal school-wide strategies are intended to facilitate success for 85-95 percent of the students (Mogan-D’Atrio, et al 1996). The National Conference of the Hamilton Fish Institute On School And Community Violence while targeted small group or individual interventions are designed for the types of students for whom universal strategies have not been successful (5-15 percent (Mogan-D’Atrio, et al 1996). Last, for the one to seven percent of students who hav e chronic and intensive needs across multiple settings, a wrap-around approach is implemented (Eber, Sugai, Smith, and Scott, 2002).Several studies have demonstrated positive effects of PBIS, with some recent research showing success in urban settings. For example, Netzel and Eber (2003) report a 22 percent reduction in suspensions after one year of universal level implementation (e.g., teaching school-wide rules and recognizing and acknowledging appropriate student behavior) in an urban elementary school. Further, Netzel and Eber report a number of encouraging outcomes during the 1st full year of school-wide PBS implementation, including a 20 percent decrease in office discipline referrals, 23 percent decrease in â€Å"time-outs,† and 57 percent decrease in short-term suspensions. Few studies, however, have demonstrated the impact of PBIS in urban settings across a number of different variables and over a number of years. Managing Disruptive Behaviors through Positive Behavi or Supports Misbehavior in K-12 schools hurts every participant. Te misbehaving student is often sequentially moved into more academically impoverished environments; other students are distracted, and teachers are forced to become disciplinarians (Sandomierski, et al 2007). Furthermore, a costly administrative infrastructure; including the very valuable and very limited time of the school principal; is monopolized to deal with discipline problems. A third grader acting up in class does not act up because s/he was born a â€Å"bad kid† (Sailor et al 2007). Most likely, s/he has not yet learned the social skills appropriate to that setting, or there is something in the classroom setting, or a learning disability, or a family issue that interferes with his or her ability to behave properly (Sandomierski, et al 2007). Unfortunately, school discipline systems focus more on punishing kids than on giving them the skills, training, and incentives to behave properly. Behavioral remedi ation, where it exists, typically takes the form of a fifteen-minute weekly visit to a school counselor. Just as if the student was trying to learn math by scheduling a fifteen-minute weekly chat with a math teacher, the system tends to fail the students (Sailor et al 2007). Research points to the benefits of systems that teach and support positive behavior, rather than simply punishing negative behavior. By adopting a positive behavior support (PBS) system, individual schools, districts, and states have dramatically reduced office referrals and suspensions, increased on-task academic time, and made students, teachers, and parents more satisfied with the school. Positive Behavior Support systems have been implemented by a large number of school districts and states, including North Carolina. Vermont is currently implementing PBS. Discipline referrals and suspensions often drop 40-60% over the first two years that the program is implemented (Sandomierski, et al 2007). Principals may save six full workdays worth often-minute visits over the course of a year. In schools with severe behavior problems, teacher satisfaction under PBS may increase by 60%, leading to a more experienced, stable staff. When a third grader misbehaves, it represents not a personal failure, but a failure of the systems around him to equip him for the setting he is in. We can stop this failure by shifting the focus to preventing misbehavior, rather than just punishing it. Providing serious behavioral support to students pays off by reducing distraction and improving academic outcomes, reducing costly referrals to special education, and letting teachers and principals do their job rather than spend all their time on discipline (Sailor et al 2007). Rather than being transferred into special education or punished to the point of dropping out, students with behavior problems are put on a path to social and academic success. Positive behavior support programs in a school may employ a three-tier model. The first tier is a low-intensity, school-wide misbehavior prevention program involving things like certificates of recognition for such pro-social behaviors as picking trash and putting it in the trash can. These programs are targeted to build the skills of the majority of students (80-85%) who have 0-1 office referrals. The second tier of students (10-15% with 2-5 office referrals) typically have significant behavior problems and require intervention, such as group sessions with school psychologists to learn appropriate behaviors, just as they would learn any other skill set in a classroom setting. Te goal of these sessions is to help them emulate their better-behaved classmates, rather than imitating those with more severe behavioral problems. Te third tier (typically 5% with 6+ office referrals) suffers from severe behavioral problems, requiring individualized interventions. Conclusion Results indicate that implementation of universal Positive Behavior Support (e.g., teac hing behavioral expectations, rewarding positive behaviors) in Year 1 and beginning targeted level intervention (targeting small groups of students with two to five behavior referrals for small group interventions) in Year 2 leads to positive changes in one of the two schools examined. Specifically, Addison School demonstrated overall decreases in ODRs, as well as decreases in the most frequent problem behavior and locations over the first 1.5 years of implementation (Sandomierski, et al 2007). These latter two are particularly noteworthy, as they exemplify the successful use of data to target problematic behaviors and contexts. Classroom referrals were specifically targeted in Year 2 through the addition of classroom management training for teachers. Problematic behaviors on the bus were specifically targeted that same year through the addition of bi-monthly bus driver training breakfasts. Teacher ratings on our surveys showed some positive changes across the two years as well, wit h teachers generally rating the existence of negative behaviors lower in Year 2, while pro-social behaviors were rated more highly, although it should be noted that only one of these differences reached statistical significance. Findings further suggest the need for full implementation of the PBS model. These schools are relatively strong in universal level implementation, but are still in the beginning stages of implementation of the targeted level, and have not yet begun intensive-level intervention. These latter two levels are important in decreasing referrals from the most chronic misbehavers, and intervention here would likely have a much greater impact on overall referrals as well as the schools’ â€Å"triangle† profiles and teacher perceptions of both student behavior and effectiveness of the intervention. This finding is consistent with teacher concerns as noted in focus groups and in survey results. Furthermore, given time needed for full implementation of the model, as well as systems-change research indicating that three to five years are necessary to implement full school change (Sandomierskiet al 2007), an evaluation of the effectiveness of such school-wide interventions should additionally allow for a minimum of three years of data. References Eber, L. Sugai, G. Smith, C. and Scott, T. M. (2002). Wraparound And Positive Behavioral Interventions And Supports In The Schools. Journal of Emotional and Behavioral Disorders, 10, 136-173. Frey, S. (2006). Teachers and Operant Conditioning. Retrieved from ERIC database. Guthals, J. The Relationship Between Positive Behavior Supports, Student Achievement, Severe Problem Behavior, And Administrative Stress. Ed.D. dissertation, University of Montana, United States — Montana. Lewis, T., Colvin, G., Sugai, G. (2000). The Effects of Pre-Correction and Active Supervision on the Recess Behavior of Elementary Students. Education Treatment of Children, 23(2), 109. Retrieved from Academic Sea rch Premier database. McIntosh, K., Campbell, A., Carter, D., Dickey, C. (2009). Differential Effects of a Tier Two Behavior Intervention Based on Function of Problem Behavior. Journal of Positive Behavior Interventions, 11(2), 82-93. OmniFile Full Text Mega database. Martin, K. F., Lloyd, J. W., Kauffman, J. M., and Coyne, M. (1995). Teachers’ Perceptions Of Educational Placement Decisions For Pupils With Emotional Or Behavioral Disorders. Behavioral Disorders, 20, 106-117. Mogan-D’Atrio, C., Northrup, J., LaFleur, L., and Spera, S. (1996). Toward Prescriptive Alternatives To Suspensions: A Preliminary Evaluation. Behavioral Disorders, 21, 190-200. Nelson, J., Hurley, K., Synhorst, L., Epstein, M., Stage, S., Buckley, J. (2009). The Child Outcomes of a Behavior Model. Exceptional Children, 76(1), 7-30. Retrieved from Academic Search Premier database. Netzel, D. M. and Eber, L. (2003). Shifting From Reactive To Proactive Discipline In An Urban School District: A Chan ge Of Focus Through PBIS Implementation. Journal of Positive Behavior Interventions, 5, 71-79. PBIS. March 2009. Is School-Wide Positive Behavior Support An Evidence-Based Practice? (2009). Web. Ps@?under, M. (2005). How Effective Is School Discipline in Preparing Students to Become Responsible Citizens? Slovenian Teachers’ and Students’ Views. Teaching and Teacher Education: An International Journal of Research and Studies, 21(3), 273-286. Retrieved from ERIC database. Sailor, W., Stowe, M. J., Turnbull, R., III, Kleinhammer-Tramill, P. J. (2007). A Case For Adding A Social-Behavioral Standard To Standards-Based Education With School-Wide Positive Behavior Support As Its Basis. Remedial and Special Education, 28, 366–376. Sandomierski, T., Kincaid, D., Algozzine, B. (2007). Response To Intervention And Positive Behavior Support: Brothers From Different Mothers Or Sisters With Different Misters? PBIS Newsletter 4(2). This thesis on Positive Behavioral Supports was written and submitted by user Tinley Forbes to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Free Essays on Stolen Credit Card

Your credit card is stolen. You place a phone call to the number provided in your tourist guide or in the local daily press. You provide your details and you cancel your card. You block it. In a few minutes, it should be transferred to the stop-list available to the authorization centres worldwide. From that moment on, no thief will be able to fraudulently use your card. You can sigh in relief. The danger is over. But is it ? It is definitely not. To understand why, we should first review the intricate procedure involved. In principle, the best and safest thing to do is call the authorization centre of the bank that issued your card (the issuer bank). Calling the number published in the media is second best because it connects the cardholder to a â€Å"volunteer† bank, which caters for the needs of all the issuers of a given card. Some service organizations (such as IAPA - the International Air Passengers Association) provide a similar service. The â€Å"catering bank† accepts the call, notes down the details of the cardholder and prepares a fax containing the instruction to cancel the card. The cancellation fax is then sent on to the issuing bank. The details of all the issuing banks are found in special manuals published by the clearing and payments associations of all the banks that issue a specific card. All the financial institutions that issue Mastercards, Eurocards and a few other more minor cards in Europe are members of Europay International (EPI). Here lies the first snag : the catering bank often mistakes the identity of the issuer. Many banks share the same name or are branches of a network. Banks with identical names can exist in Prague, Budapest and Frankfurt, or Vienna, for instance. Should a fax cancelling the card be sent to the wrong bank - the card will simply not be cancelled until it is too late. By the time the mistake is discovered, the card is usually thoroughly abused and the financial means of the... Free Essays on Stolen Credit Card Free Essays on Stolen Credit Card Your credit card is stolen. You place a phone call to the number provided in your tourist guide or in the local daily press. You provide your details and you cancel your card. You block it. In a few minutes, it should be transferred to the stop-list available to the authorization centres worldwide. From that moment on, no thief will be able to fraudulently use your card. You can sigh in relief. The danger is over. But is it ? It is definitely not. To understand why, we should first review the intricate procedure involved. In principle, the best and safest thing to do is call the authorization centre of the bank that issued your card (the issuer bank). Calling the number published in the media is second best because it connects the cardholder to a â€Å"volunteer† bank, which caters for the needs of all the issuers of a given card. Some service organizations (such as IAPA - the International Air Passengers Association) provide a similar service. The â€Å"catering bank† accepts the call, notes down the details of the cardholder and prepares a fax containing the instruction to cancel the card. The cancellation fax is then sent on to the issuing bank. The details of all the issuing banks are found in special manuals published by the clearing and payments associations of all the banks that issue a specific card. All the financial institutions that issue Mastercards, Eurocards and a few other more minor cards in Europe are members of Europay International (EPI). Here lies the first snag : the catering bank often mistakes the identity of the issuer. Many banks share the same name or are branches of a network. Banks with identical names can exist in Prague, Budapest and Frankfurt, or Vienna, for instance. Should a fax cancelling the card be sent to the wrong bank - the card will simply not be cancelled until it is too late. By the time the mistake is discovered, the card is usually thoroughly abused and the financial means of the...

Fundmntls of Intrntionl Businss Essay Example | Topics and Well Written Essays - 500 words

Fundmntls of Intrntionl Businss - Essay Example ctul tchnologicl dvlopmnts hv strong implictions for world trd nd output growth. Tchnologicl dvncs drsticlly rducd th trnsporttion nd tlcommuniction costs nd drmticlly chngd th structur of intrntionl trd in th sm tim. In fct, nw tchnologicl chngs lowr th nturl brrirs of spc nd tim tht sprt ntionl mrkts whil librliztion policis th rtificil brrirs to th intrntionl movmnts of goods, srvics nd cpitl. Tchnologicl dvlopmnt my b ccptd s th ngin of th conomic globliztion in th world. Th lvl of tchnology, brodly spking, cn b dfind s stock or combintion of our knowldg nd xprincs on production procss, product qulity, orgniztion of production nd mngmnt, mrkting nd srvics (Kibritcioglu, 1997). In ll countris, th primry xport sctor is mnufcturing industry, xcpt th Middl strn nd fricn countris which r rltivly rsourc bundnt nd hnc, xport minly mining sctor products or oil. Tchnologicl dvncs is th ky fctor in th growing volum of intrntionl trd of goods nd srvics. Tchnologicl gp btwn industrilizd nd dvloping countris s sourc of forign trd, on th othr hnd, my b closd ithr du to th continul dissmintion of informtion from th dvncd ons or both. Thr r mny intrntionl orgniztions tht fcilitt forign trd. mong thm th most importnt nd ctiv is World Trd Orgniztion.

Ischaemic heart disease is epidemic within western cultures Essay

Ischaemic heart disease is epidemic within western cultures - Essay Example The heart consists of 4 chambers: an atrium and a ventricle on the right, and an atrium and a ventricle on the left. Blood returning to the heart from veins all over the body flows into the right atrium, then blood flows into the right ventricle which pumps it out to the lungs for oxygenation of the blood. This oxygenated blood returns to the left atrium and then flows into the left ventricle, which pumps it at high pressure into the arteries, including the coronary arteries. The strength of the heart muscle (myocardium) depends on the oxygen and nutrient supply coming via the coronary arteries. The walls of these arteries are strong, elastic and flexible. The myocardium is supplied by 3 major coronary arteries. Two of them arise from a common stem, called left coronary artery which supplies the left side of the heart. Its left anterior descending (LAD) branch supplies the front part of the heart, while the left circumflex (LCX) branch supplies the left lateral and back side of the heart. The right coronary artery (RCA) is separate and supplies the right and the bottom parts of the heart. [2] The inner lining layer of the coronary arteries is quite smooth allowing blood to flow easily. With aging, cholesterol and calcium content in the walls of the coronary arteries increases, making them thickened and less elastic. The prolonged effect of risk factors with the consequence of aging, endothelial dysfunction becomes predominant, especially in the coronary arteries. Unhealthy habits, such as a diet rich in cholesterol and other fats, smoking and lack of physical activity accelerate the deposit of cholesterol, fatty compounds, calcium, and a blood clotting material called fibrin within the inner lining of coronary arteries. This process is known as atherosclerosis, or hardening of the arteries. The deposits, or plaques, may increase in size and block the arteries. If blockage is partial it causes chest pain

Mosquito- Shadow Animal Totem Essay Example for Free

Mosquito- Shadow Animal Totem Essay The mosquito is my shadow animal totem because it tests me to overcome small irritations. When a mosquito bites me, I’m usually not too happy about it. Even though it is just a small bump on me, it allows the mosquito to lay its eggs as the small amount of blood they suck is enough to last for a few days. After I have been bitten I need to find the patience to overcome the itchiness. Realistically, a mosquito bite is just a small inconvenience but I am afraid to stop worrying about it and move on to the bigger things that actually need my attention. The mosquito reminds you to listen to the lessons you are experiencing. It allows you recognize the attitudes of others and not only personal attitudes. Also, it makes you think about what that small irritation has done for the food chain or one animal in particular. Another thing the mosquito shows us we need to trust our bodies to take care of the bump or it will itch later on if we scratch it. The bump will be taken care of by our body so our job is to focus on the things that matter in life. Mosquitoes give us a chance to test ourselves and revitalize our spirits. I seem to fail this test a lot, which is why the mosquito appeared to me as my shadow animal totem. When I can overcome a bite from a mosquito, I will have learned to be more patient and trust my body to do its job. Mosquitoes live on still water until they reach adulthood and then they follow a trail of carbon dioxide which will be its blood source. They can suck blood from a lot of creatures but they choose mainly humans, herbivorous mammals, and birds. Only the female mosquito sucks blood because it needs the protein and iron in our blood to develop its eggs. Both females and males use plant nectar, fruit juices, and liquids that ooze from plants as another food source. A mosquito has a long, slim body with 6 legs, a mouthpiece called a proboscis designed to suck in food, and two antennae. Mosquitoes are nocturnal but they do rest in dense vegetation, caves, tree holes, chicken coops, stables, and basements during daytime. When a male mosquito wants to find a mate it will listen to the sound of the female’s wings as they reach a higher frequency than the male can get to. Even as they are mating, they will change the beat of the wings to different frequencies and create a â€Å"duet†.

Abortion in the First Trimester Only Essay -- Pregnancy Ethics Essays

The argument that has torn the nation apart for ages is abortion. Each individual needs to take the time out to research every aspect of the ideals behind abortion. The two main sides to abortion are pro-choice and pro-life. Both sides make strong arguments to support their side. The main question behind abortion is whether the act is murder of an unborn child or the right of the mother to choose what happens to her body. A lot of research is needed before an individual can make a rational decision about what side of the abortion issue they take. This paper focuses on the argument that abortion is a woman’s choice in her first trimester of her pregnancy only, and after that time period is over the unborn child has the right to life just like any other human being. "This middle ground is what a lot of people believe these days, the right for a woman to choose in the first trimester only" (Baird 179). People who believe this are stuck between the two sides of abortion. These peo ple are just to be named as the middle ground, where both sides make good points, but they only agree with a few parts of the arguments. The basic idea is that a woman has the right to choose until the first trimester is over and from then on the unborn child has the right to life and should be carried to full term and delivered. The pro-life movement believes that the killing of any child, abortion or not, is murder and the dead, unborn child should be protected by the laws of the states just like any other victim of murder. "Pro-life advocates declare that the fetus is a person with the same rights and interests as a born person, therefore the mother does not have the right to privacy if by doing so they murder another person, their unborn child" (McDonagh 47). The advocate’s state that their argument is in the idea that an unborn child has the rights as the mother and that the unborn child would choose life, just as the mother would choose murder as her choice. Although the pro-life advocates make an argument that seems reasonable, what they are not stating is that under law the woman has the right to privacy, freedom, and the right to choose what actions happens to her body. The woman has control to do what ever she likes to her own personal body. Therefore, if a woman chooses to have an abortion, she may be able to in the first trimester of her pregnancy only. The developi... ... facts state that an abortion is the woman’s choice in the first trimester and the unborn child’s right to live in the second trimester and on. This belief is known as the middle ground in the abortion issue and many people believe in this kind of action. Although the abortion issue will be an on going dispute, the middle ground is a reasonable and logical answer to the abortion problem. This is why the mother has the right to choose in the first trimester only and after that the fetus has the right to life, like anyone else. Works Cited Baird, Robert M. and Stuart E. Rosenbaum. The Ethics of Abortion. New York: Prometheus Books, 2001. Johnson, Robert V. Mayo Clinic Complete Book of Pregnancy & Baby’s First Year. New York: William Morrow and Company, Inc., 1994. Mason, J K, and R A McCall Smith. Law and Medical Ethics. London: Butterworths, 1994. McDonagh, Eileen L. Breaking the Abortion Deadlock. New York: Oxford University Press, 1996. Reiman, Jeffrey. Abortion and the Ways We Value Human Life. Boston: Rowman & Littlefield Publishers, INC., 1999. Solinger, Rickie. Abortion Wars. Los Angles: University of California Press, 1998.

Operations Management Test Bank

INSTRUCTOR'S TEST BANK Chapter 1: Introduction 1 Why would a marketing major need a basic foundation in operations management? A) Marketing staff schedule work centers for most businesses B) Marketing staff must know how to design processes C) Marketing staff must be able to make decisions with the entire business in mind D) Marketing staff must understand the technical processes behind manufacturing capacity management C 2 The value of a product is defined by: A) The owner B) The potential customer C) The price initially paid for the product being soldD) The actual cost of ownership over the products life B 3 A critical difference between a product and a service is: A) A product is tangible, but a service is not. B) A product is expensive, but a service is not. C) A product is often poor quality, but a service is not. D) A product is made with cheap labor, but a service is not. A 4 One reason producers of products also provide customers with services is: A) They don't know any bette r. B) Services can be added at no cost. C) Services differentiate them from competitors. D) Services are easier to match to customer needs.C 5 One reason services are more difficult to manage than manufacturing is: A) Services can't be stored as inventory for later use. B) Service employees aren't as flexible as manufacturing employees. C) Service customers are more demanding. D) Services can't define processes precisely. A 6 A B2B customer would value a product differently than a B2C customer because: A) Businesses have more money to spend than consumers. B) Businesses must consider how much value the product will add to the products and services they sell.C) Consumers can't define quality very well. A) Services can't be stored as inventory for later use. B) Service employees aren't as flexible as manufacturing employees. C) Service customers are more demanding. D) Services can't define processes precisely. A 6 A B2B customer would value a product differently than a B2C customer be cause: A) Businesses have more money to spend than consumers. B) Businesses must consider how much value the product will add to the products and services they sell.C) Consumers can't define quality very well. D) Consumers are not as concerned about costs as businesses. B 7 Profitability results from: A) High sales prices B) Minimal workers with low salaries C) The value being greater than the cost to create it D) Unintelligent customers C 8 An important part of a strategy is: A) Writing down plans for processes B) Identifying suppliers of inputs to processes C) Establishing productivity measures for processes D) Identifying what target customers value D 9Timeliness is a critical component of value for a business because: A) Timeliness has a direct impact on a business's return on investment. B) Business owners are impatient. C) Businesses are typically late and need things right away. D) Most products spoil quickly. A 1 0 D In the resource/profit model the resources used to create value are: A) Time, materials, machines, and people B) Natural resources, animal products, crops C) Labor, materials, cash, buildings, and transportation equipment D) Inventory, workforce, capacity, facilities

The Reformation During The 20th Century - 914 Words

The world is in a constant state of change, ironic but true. No matter where you are, the world is always changing; nothing ever stays the same for long. Nothing. A prime example of this never-ending cycle would be religion. Repeatedly people have changed their beliefs over the course of time, always looking for something better, something that brings them closer to god, and for many years, that something was Christianity. Almost all of Europe shared the same set of beliefs at one point in time and while most people were satisfied with that, others weren’t so easily pleased. Again, people wanted, needed change; people needed to see change in the church, in the religion, in the beliefs. The Reformation for such change began in the early 16th century, with the most prominent Reformations happening in Germany and in England. The reformation in Germany was led by none other than Martin Luther and while he wanted to reform the church and spread Lutheranism throughout Germany, King Henry VIII wanted an annulment and the power to control all aspects of England, however, both of these reformations were after one thing in particular, and that was to break from the pinnacle of the Christian faith, The Roman Catholic Church. The reformation in Germany began with Martin Luther. Martin Luther was a protestant that believed that a church consisted of a â€Å"priesthood of all believers† and he avidly in encouraged the German princes to reform the church in their states, much like what wasShow MoreRelatedThe During The Mid 20th Century1657 Words   |  7 Pagestransformation that started during the mid 20th century is: how can the history of the mid 1900s be construed in one, single, wholly encompassing idea? The past 70 years since the end of World War II have seen momentous changes to numerous countries all around the world. Each country have experienced developments, both negative and positive, to the social, political, and economic state of themselves. The history of the later twentieth century can be defined with the idea of reformation. These reforms areRead MoreThe Rise Of The Late And Early 20th Century1693 Words   |  7 Pages The period surrounding the late and early 20th century was the most dramatic era in modern history. It was a period where Western ideals were pushed by motivated empires with ambitions of wealth and expanding territory and, while impossible to distinguish the most influencing factor that led to the Westernization of nations on a global scale, it is easy to determine key points that played important roles in world history. With Western cultures emerging with both technological and military advantageRead More Reconstruction in the 20th Century Essay examples584 Words   |  3 Pages nbsp;nbsp;nbsp;nbsp;nbsp;The beginning of the 20th century was a memorable time in history for the United States. This time period drastically changed our country politically and socially by reform. The Presidents that ruled o ur country during this era were especially powerful and made many differences, women and African Americans were starting to take a stand, and our country was able to make it all the way through the Great Depression. All of these events that took place in the early 1900sRead MoreJean Jacques Rousseau And Johann Heinrich Pestalozzi1497 Words   |  6 Pagesour utmost capacity to retain we wouldn’t be able to encompass the full â€Å"sphere† of knowledge that we were taught in the public school system, as this paradigm was slowly cultivated through different philosophies and understandings of the human mind during different periods. Eventually this led to the constant regurgitation of facts generating a minimal amount of cognitive growth, inevitably causing a loss of critical thinking. Beginning we must start with the influences and reforms of public educationRead MoreAmerican Reformers, By Ronald G. Walters1087 Words   |  5 PagesJackson Presidency. Ronald G. Walters effectively chronicalizes the reformation and radicalization of the main issues prevalent in early 19th century. These issues included slavery, alcoholism, women’s rights, religion and science. He explains how these issues led to the transformation of our country into what it is today and explains the reformers responsible for such radical change. He emphasizes the idea that every individual during this time period had some sense of radical reform ideology. TheseRead MoreThe Progressive Era1825 Words   |  8 PagesThe Progressive Era cannot be characterized by one single event or person, but it certainly experienced multiple events and people who swam with high velocity in the sea of reformation. People such as Jane Addams, Teddy Roosevelt, and W.E.B DuBois led the progressive movement wit h their outspoken ideas and impact on the era. Events and works such as The Jungle by Upton Sinclair, Muller vs Oregon, and the Clayton Antitrust Act stand out as important and pivotal to the era. Between 1900 and 1920, manyRead MoreThe Impact Of Special Education On Children With Disabilities1366 Words   |  6 PagesHuman Rights Watch (HRW) report, â€Å"Barriers Everywhere,† Russia has approximately 13 million people with disabilities, including 700,000 children and young adults, yet the environment is still not accessible for people with impairments. In the 20th century, during the Soviet Era, disability was invisible to the public and children with impairments were segregated and taken to faraway institutions. Recently, significant improvements have been made to help people with disabilities acquire the same qualityRead MoreAnalysis of Mendelssohn’s Italian Symphony1023 Words   |  5 PagesIntroduction Felix Mendelssohn was one of the most famous composers during the 19th century. Although in his music he did show some features of romanticism, he was strongly influenced by traditional genres such as counterpoint etc. In this essay, the biography of the composer, background of the genre and analysis of the piece will be investigated Biographical Sketch of Mendelssohn Mendelssohn was born in Hamburg in 1809. His father Abraham Mendelssohn was a banker, while his mum Lea MendelssohnRead MoreHistory And Development Of Corrections796 Words   |  4 Pagesremain the same? To consider what corrections will look like in five years, one would have to start by looking at its history to start. During the 1700’s, the basic punishments were aimed more on the body than the mind; prisoners were whipped, publically humiliated in pillories, and subject to harsh labor; this way of punishment changed in the late 18th century with Benjamin Rush and the Quakers, who improved conditions for the prisoners housed in the â€Å"Walnut Street Jail† in Philadelphia (â€Å"HistoryRead MoreAfrican Americans During The 19th Century926 Words   |  4 PagesThe life of African Americans in the 19th and 20th centuries has been a truly storied past. One of the most astonishing aspects of African American life, in this period, is the degree to which it was heterogeneous. The experiences of African Americans differed widely based on geographic location, class, gender, religion, and age. Despite a high degree of variability in the experiences of Blacks in America, if one were to consider the sociopolitical fact that Black people as a group in America were