Financing and Structuring Health Care

Health of a person is very vital. all(a) people would do anything to maintain a good health. This explains the close why people invest in health indemnity. essentially the health insurance policys in the U. S. takes three forms be three. They include Health Maintenance Organizations, Point-of-Service plans and Preferred Provider Organizations (Health insurance Overview, 2009). The Health Maintenance Organizations (HMOs) can be described as prepaid health policies.The holders of these policies are necessary to pay fixed premiums each month which covers the holder together with his or her family by offering physicians visit, taking into custody rush and laboratory checks along with other therapeutic gains. It entails a wide infirmary exposure, has a huge companionship of pharmaceutical stores. HMOs involve contractual agreement between the covered parties through revivifys to access intercession services. It is not mandatory that one and only(a) pays co-insurable. The on ly payment required is a small co-payment every quantify you visit the healthcare center.An example is $10 physicians appointment fee and $25 fatality section cure fee. Any of the mentioned services in the contract does not require the procedures of selection forms. All that is required to access any service in the hospital is a HMO card. The insurance policy offers preventive measures like immunizations, mammograms, check ups and so on. The only disadvantage it has is the long bureaucratic procedures before accessing the service (Health insurance Overview, 2009). Point-Of-Service plans (POS) calls for the holder to identify personal doctor from an association of sources.The holder can outsource from the association but in such(prenominal) a case the benefits will be reduced. Selecting a personal doctor of Personal Care Physician from the network saves the company some money. The third type of health insurance is the Preferred Provider organization (PPOs). It is a blend of Health Maintenance Organizations and Fee-for service. They resemble HMO on the limitation of health centers and doctors choice in the approved list. The figure must fall within the concur range. For your bills to be paid all you need is to hand in your card. It is mandatory to pay co-insurance as hygienic as selecting a personal doctor.A vast majority of them offer preventive care services such as immunizations, doctor appointments besides mammograms. In case you consult a doctor alfresco the plan, one has to fill a form and the coverage is partial leaving the lager portion on you. The filling of forms involves only the cases that were handled by doctors outside the plan (Health insurance Overview, 2009). 2. Describe the three methods for categorizing health insurance in the U. S. One of the major methods of categorizing health insurance is through the Indemnity plans or reimbursement plans.In this category the plan compensates the health expenses no matter the provider apply. Though thither are restrictions on the amount to be compensated, they do vary with the type of policy. To settle on the amount to be compensated, three common methods are expendd in the Indemnity plan. These include Indemnity, repayment of definite charges and repayment of a certain percentage of authorized charges. Another method is through the Managed Care Plan. Unlike the indemnity plan, this involves the three major kinds of managed care plans mentioned earlier.These are Health-Maintenance-Organization, Preferred-Provider-Organization and Point-Of-Service Plans. All of the above mentioned plans involve an agreement amid the insurer and a eudaemonia providers network. frugal incentives are given to the insured to persuade them utilize the networks of providers who are selected in a formal process. 3. get a line the three types of managed care plans and give the pros and cons of each for the health care provider, insurer, and patient. Managed care plan is a wellspringbeing liberatio n scheme that combine the economic and deliverance of health-care.It is applicable to different kinds of health-care insurance policies. The majority general managed care plans are Preferred-Provider-Organizations, Health-Maintenance-Organizations and Point-of-Service plans. PPOs try to settle the therapeutic costs by involving provider networks that contract at low reimbursement charges. They are required to have utilization analysis among other necessities. Clients have the freedom to recognize the medical provider they wish to but incur extra cost if their choice falls outside the network. HMOs encompass provider network and PCP as caretakers.PCP handles the hospital admission of the client as well as appointments with medical practitioners. Some though use open policy that allows the client the choice of a personal doctor in the provider network without a pass. A vast majority of HMOs use the compensation to persuade providers economize on the cost. The policies may involve c ontractual agreements between doctors within the orderliness or from the provider networks. The last but not least is the POS that provides members the chance to opt providers beyond the network. Clients who accept providers within the HMO network incur reduced cost that those with external providers.The policy may to a fault give a chance to provide a PCP to handle the intra-network examinations but with no recommendation for the exterior services. 4. Describe the impact of managed care on both the Medicare and Medicaid programs. The 2003 Medicare Modernization Act initiated a to the highest degree important revolution to hold and transform personal health plans. It is very important that managers should consider the reason behind these routes because the programs have deviated and evaluate forecast for accomplishment in the Medicare Advantage commencement.The wavering that face the Medicare managed care promotion designated a large discrepancy amid the relative harmony of contr olled Medicaid programs within a similar utmost of time. The two managed care were discovered about two decades ago to improve the declining public programs. Since their initial implementation, there has been significant improvement in the field of interest. References Health Insurance Overview. (2009) Types of Health Insurance. Retrieved July 24, 2010,from http//www. healthinsuranceoverview. com/types-of-health- insurance. html

The Importance of Marriage in Pride and Prejudice

Set in late eighteenth Century England, Pride and Prejudice depicts the search of women for the inevitable preserve and of a male dominant lodge, within which no woman can be considered truly happy without the assistance of a man of good fortune. Austen addresses the common ideals of cab art by means ofout Pride and Prejudice, such as the monetary values of sexual union and the need of a woman to find security for herself and her future children. The arising tonal pattern of the novel reads It is a truth universally acknowledged, that a single man in possession of a good fortune, must be in want of a wife. Austen not only uses this line to introduce a key theme of the novel, besides also hints at the underlining themes of the novel and at the derision and satire cod to follow.This is also a use of proleptic irony, Elizabeth is considered as a woman who seeks true make love, quite than a marriage based on the fortune of the male however, upon seeing Pemberley Austen pres ents Elizabeth as considering money for the for the first time time, the sheer size of the house impresses her and thus she cannot disregard its appeal. During twain the 18th and 19th centuries marriage was regarded twain a social and biological destiny for woman across all the classes.Austen shows this belief through Charlotte Lucas whom after gaining some composure considers Without thinking highly either of men or of matrimony, marriage had al federal agencys been her quarry it was the only honourable provision for a well-educated teen woman of small fortune, and however chatoyant of giving satisfaction, must be their pleasantest preservative from want (Austen,J. 1853 22). This amplifies the greatness of the rejection of marriage by Elizabeth to Mr Collins, whom by the opinions of society at the time, the natural reaction for a woman in her situation would have been to accept.For she cannot afford to be overly choosy when it comes to marriage earlier on in the novel Aus ten describes Mr Bennett cautiously going through the accounts of the estate, in which we are indirectly informed that the accounts are not looking positive. This marriage rejection is also pertinent to the life of Austen, who we have learnt rejected a marriage proposal after overnight mentation. Marriage during the 18th and 19th centuries would be a whole family affair, and thus the effects of a marriage proposal or rejection would be felt passim the generations.Families would look to ally themselves with other families of similar rank, hence marriage betwixt cousins was common practice. This would ensure that both wealth and property would remain within the same family for generations via entailment, thus explaining the vexation of Mrs Bennett upon finding out of the rejection of marriage betwixt Elizabeth and Mr Collins. Moving to their husbands establishment would often be the only feasible freedom available to girls, though not to be confused in each way with independenc e, which girls at the time would be lacking.This was another(prenominal) reason that leading families would ally with one another, or often attach within a family would never wish for their daughter(s) to be associated with a family of lower social value, and thus a smaller estate, or require any future financial support from them this dependence would grow progressively expensive and as Austen presents the Bennetts as a family with some financial troubles there is no question as to why she identifies the need for the daughters to be married off.With marriage existence the ultimate goal for any young girl within Pride and Prejudice, events leading up to any such event are considered significant. For practice session, any balls or dances and the partnerships which develop within these any chance encounters, such as meetings within town.Marriage would be a key theme of conversation within social circles of girls beyond puberty, the licit age for marriage was 16 (or the age of c oming out), it was much desired by the age of 18 and would threaten to be beyond availability for girls of 20 or older. Girls would worry about being considered an old maid beyond the age of 20 which explains the desire that Austen presents Charlotte to have in catching Mr Collins and the warning that Mr Collins gives Elizabeth, who upon rejection of Mr Collins proposal is already 21.Though the legal age of marriage in England was 16, overdue to the Marriage Act of 1853, it is assumed that Lydia and Wickham elope to Gretna Green in order to complete their marriage, rather than be living in sin and thus have society look down on them as an unlawfully acquainted couple in Scotland was not undeniable to live in each others company for a minimum of 3 weeks prior to marriage wish well it was in England, thus allowing for an instant marriage.Much alike the partnership between Darcy and Elizabeth we are made to carry for them to be partners in dance, it is a recurring theme throughou t the novel that the longer the time hitch before the first dance between a couple the longer the time period provide also be before they are romantically interested in one another. To be doting of dancing was a certain step towards falling in love (Austen, J. 1853 6), thus the reluctance of Darcy to enrol in dancing earlier on in the novel marks his limited social availability. thus far he becomes more available to Elizabeth later on in the novel as Austen presents him as mortal whom is interested in being acquainted with Elizabeth and thus he asks her to dance, though even the act of doing this is represent as being difficult for him to achieve. The partnership between Elizabeth and Darcy is a stark contrast to that of Jane and Bingley, which Austen develops from the introduction of the ii parties they dance at the first meeting of one another and are thus romantically mingled with one another from this point.Mr Bennett is presented by Austen as a man who is interested i n the happiness of his daughters, though namely Lizzy, he is rarely phased by the actions of Lydia, Jane or Mrs Bennett however upon learning of Mr Collins proposal states Your mother pass on never see you again if you do not marry Mr. Collins And I entrust never see you again if you do. (Austen, J. 853 64) Austen uses this conversation as a means of demonstrating the understanding and respect that exists between both Lizzy and her father, with Mrs Bennett already having come to the conclusion that Mr Bennett would insist on Lizzy marrying Mr Collins, however in this scene Austen also manages to portray a subtle humour we read earlier on in the novel of Mrs Bennetts nerves and this is just another example of Mr Bennett knowing how to vex her, with the reader remembering earlier on in the book when Mr Bennett states You fall away me, my dear. I have a high respect for your nerves.They are my old friends. I have comprehend you mention them with consideration these last twenty ye ars at least. (Austen, J. 1853 4). With Lizzy being truly her fathers daughter she knows that she will have the support of the parent who means the most to her, or at least the parent whom she is more interested in pleasing. Mr Bennett plays a pivotal role in the marriage of Lizzy, he has the final presuppose on whether or not she marries Darcy, throughout the novel Austen doesnt portray any form of interaction between Mr Bennett and any of his other daughters or their respective partners regarding the issue of marriage.Though this may be due to Elizabeths importance to the novel, we assume that this is also due to the value of her partnership with Darcy and how this is used to show her romantic development throughout the novel. Austen presents Elizabeth as a character who goes through the typically romantic process of falling in love with someone both Elizabeth and Darcy must overcome a variety of obstacles in order for their love to Blossom, their horizontal surface starts wit h bad first impressions of one another, with Lizzy assuming Darcy to be a pompous, arrogant man and Darcy being blind by Lizzys social inferiority.Austen wrote this novel based in an era within which girls being forced in to marriages for financial reasons was coming to an end and though monetary reasons were still considered a valid reason for marriage, or at least one for which marriage would be considered acceptable by ones family, people were also marrying due to love for one another.Lizzy represents the new era within which love is the main reason for marriage or courtship, we recognise this as Lizzy is aware of Darcys fortune from an early stage of the novel, however she dismisses him due to his arrogant deportment if Lizzy was only interested in his wealth, or if this were the reason of her interest in Darcy then Austen would have ensured that she, like her other sisters, flaunted herself in front of a male of such high social value.Austen represents marriage for the wrong reasons with the marriage between Mr and Mrs Bennett. With Mr Bennett having previously married Mrs Bennett for her youth and good looks, with Mrs Bennett declaring I certainly have had my share of beauty, but I do not pretend to be anything extraordinary now. , he now finds his only happiness through private study or mocking his wife, referring to her nerves as his old friends, with his witty humour being too complex for her to understand and thus not being able to tell when he is victimisation sarcasm.This sarcasm is a trait which Lizzy shares, for example in Chapter 28 when describing Miss De Bourgh, Lizzy states She looks sickly and cross. Yes, she will do for him very well. She will make him a very proper wife. This use of juxtaposition is rife in Austens work and is often used for comic effect. Austen uses the juxtaposed relationship between Lizzy and Darcy to present us with an example of marrying for love, rather than superficial reasons which are evident throughout the no vel.Examples such as Mr Collins and Charlotte Lucas, or Lydia and Wickham are doomed to fail, or at least to result in the severe unhappiness of the parties involved due to the basis of the relationships being built on financial security or social status. Lizzy and Darcy represent a marriage which ignores the superficial values and focuses on true love, Austen shows us as the reader that this is the only way to have a truly successful and happy marriage to one another and she manages to gain our proportionateness by portraying the other possible choices throughout the novel.

Asset Classes Paper Essay

The mutual entrepot chosen is Merrill kill Global and the Dow 30 governing body chosen is McDonalds. The asset classes for both the mutual fund and Dow 30 geological formation will be determined. The by-line will explain how classifications and the current enthronisation funds environment impact organizational decisions concerning the composition of these portfolios._Merrill lynch Global_Merrill lynch (2006).Merrill Lynch is a company that helps individual clients achieve financial success. With a professional advisor, customers can absorb a customized strategy with the customers goals in mind. It makes available to its clients a wide range of redactment products and services. When selecting the fund that best suits the clients need, some key factors to consider include a funds investment strategy, risk profile, investment performance, and relationship to the overall asset allocation strategy and investment time horizon._ air division A Sh bes_. Typically, the most preferred tier of classified stock, offering more take rights than house B sh atomic number 18s. Class A shares are designed to insulate circumspection from the short-term swings of Wall Street, by allowing those in management to control a small substance of the equity of the company but still maintain voting power. These types of shares are not sold to the public and cannot be traded, which supporters say allows management to focus on long goals.Class A shares annual operating expenses typically include an annual asset- base distribution and service payment of up to .35% (Mutual Funds. 2006). This annual fee is used to compensate the funds distributor and firms like Merrill Lynch for shareholder servicingand distribution-related services. Class A shares are generally more economical for investors who seek to invest larger amounts and have a longer term time horizon._Class B Shares_. Class B shares typically do not censure a front-end sales charge, so all of the assets are immediately invested in a fund. Class B shares usually impose a contingent deferred sales charge (CDSC) which may be charged to shareholders who redeem Class B shares within a certain number of years. This charge declines over time and is eventually limited. Class B shares are more economical for investors who have an negociate to longer term time horizon and have slight than $100,000 to invest in a fund familys equity funds or less than $50,000 to invest in a fund familys fixed income funds (Mutual Funds. 2006)._Class C Shares_. Class C shares usually do not impose a front end sales charge at the time of purchase. All of the clients assets are immediately invested in the fund. It is common for Class C shares to impose a CDSC up to 1.00% of the redemption amount during the first year or longer (Mutual Funds 2006). Unlike Class B shares which convert to Class A shares after a period of time, C shares generally do not have a conversion feature. Compared to Class A and Class B shares, Class C s hares generally become less economical for investors who plan to invest over a longer term.Merrill Lynchs compensation differs by share class. The fund share class specific compensation is the basis upon which Merrill Lynch Financial Advisors are paid. Some funds may set higher sales charges and asset based fees for a fussy class than do other funds for the same class. Merrill Lynch policy sets a limit as to the maximum sales charges or asset based fees included in the Financial Advisors compensation practice based on the share class and size of investment to minimize potential conflicts of interest based on differential compensations (Mutual Funds. 2006).Merrill Lynch is a diversified financial services company. It can be judge to pursue additional business opportunities with the firms whose mutual funds Merrill Lynch makes available to its customers._McDonalds (MCD)_The Dow 30 organization chosen for this paper is McDonalds. McDonalds was founded in 1948 and is based in Oak Bro ok, Illinois. McDonalds Corporation operates as a foodservice retailer worldwide. It operates and franchises McDonalds restaurants, which offer various food items, and soft drinks and other beverages. As of July 14, 2006, it operated nearly 31,000 restaurants in 100 countries ( hayseed Finance).McDonalds change in cash and cash equivalents is a difference of $2,718,200. In 2003, the cash and cash equivalents were at $162,400 and in 2005 the cash and cash equivalents were at 2,880600. The total cash flows from funding activities was (1,736,800) in 2003 and 361,600 in 2005. The cash flows grew substantially throughout the three years (Yahoo Finance).McDonalds Income Statement shows a revenue of 21.23B, and quarterly revenue growth of 9.40%, a gross profit of 6.32B, a diluted EPS of 2.22 and quarterly earnings growth to be at 57.30%. The balance sheets total cash in 2005 is set at 3.29B. The net income for 2003 was $1,471,400 then greatly increasing in 2004 to 2,278,500 then increas ing a little more to $2,602,200 in 2005 Yahoo Finance (2006).The stock price history for McDonalds shows Beta, a measure of securitys or portfolios volatility or systematic risk, in simile to the market as a whole, to be at .92. In my reading for this past couple of calendar weeks, I have learned that many utilities stocks have a beta of less than 1. McDonalds 52 week low on September 21, 2005 was set at $31.31 while its 52 week high on February 8, 2006 was set at 36.75 Yahoo Finance (2006).Overall, McDonalds has been growing since 1948 at a great pace. McDonalds second quarter operating results was fueled by strong sales and margin performance worldwide. McDonalds EPS compared to competitors is much higher at 2.218 with Burger King at .235 and Wendys at 1.056 (Yahoo Finance. 2006). McDonalds has done an elegant job with their employees, stocks, investments, and all aspects of the fast food organization.REFERENCESMutual Funds Investing at Merrill Lynch (2006). Retrieved on August 12, 2006 from http//askmerrill.ml.com/publish/marketingcenters/products/MF_DisclosureDocument_0406.pdf .Merrill Lynch (2006). Achieve Life on Your Terms. Retrieved on August 13, 2006, from http//askmerrill.ml.com/fa_front/1,2280,,00.html?pg=cnp.Yahoo Finance (2006). Retrieved August 13, 2006, from http//finance.yahoo.com/q/ pr?s=mcd.

Amazons Marketing Strategies

It also uses existing communication systems. Lastly it utilizes behaviors and mentalities. Combined, all of these aspects take in that Amazon can grow a very successful company it also keeps it as starchy as possible. Without many an(prenominal) of these marketplaceing strategies Amazon would not be what it is today. Throughout Amazons entire time, these defy been some of the things that they have always looked for, in terms of trying to provide a great experience and market their company.Analysis Starting off with freely proffers products and services. I think this is very important for Amazon to always have since there company relies on other companies selling on there site. Without the products and services that are interchange on there site, think they would not be as successful as they are today. Amazons intimate interface provides the customers to feel like they are buying from a reliable source as soundly as feeling at ease while searching through the site.This is ver y important for Amazon, because many people use it because It is so easy to buy produces from the site. Amazon as a whole scales extremely easily from large to small. This can make the company better in many different aspect. non very many companies have this ability. Amazon exploits many products and recourses and it helps everyone. It helps the customers find what they need, it helps the companies gain popularity and helps Amazon to create a much better site as a whole.

Michael Phelps Speech or Presentation Example | Topics and Well Written Essays - 500 words

Michael Phelps - Speech or Presentation sampleHaving completed his Olympics gold rush, U.S. swimmer Michael Phelps is now poised to make another haul -- this time of the minute variety. Phelps already is collecting about $5 gazillion a year in endorsement checks from companies wish Visa -- payments that came after he won six gold medals during the 2004 Olympic Games in Athens, Greece. His performance in Beijing, where he won a record eight gold medals, puts him in line to earn oftentimes more. (Endorsements pure gold for Phelps, 2008). According to David Harrow of the National Sports Lawyers Association, Michael Phelps may be at $30, $40, $50 million a year in endorsements and there are various other reports suggesting such huge amounts as his endorsements. It is also obvious that Phelps collected a million-dollar bonus from one his sponsors even before the Beijing Olympics. more than than his gold medals, the solid ground records that were broken by Phelps contributed to his fame considerably and he has already broken thirty-seven world records in swimming.

What extent has Facebook embraced diversity in its recruitment policy Research Proposal

What extent has Facebook embraced diversity in its enlisting policy - Research Proposal ExampleMany organizations have acknowledged the importance of embracing heterogeneousness in the workplace. In the past, numerous organizations compelled employees to correspond to established organizational culture and abandon ones diverse attitudes and traditions. According to Brechers (2012, p. 24) research, organizations that embraced diversity had a tremendous potential for promoting organizational success. For this reason, the new determination for many organizations is to manage diversity and strive to empower employees to develop their various talents effectively. Scholars have been ardent to shine up that encompassing diversity elevates the level of efficiency and innovation in an organization. Many organizations are endeavoring to register a remarkable innovative capacity. It is impossible for organizations to achieve this without bringing on board individuals with varying talents. Co mpanies are facial expression for employees with diverse perspectives concerning different issues with the primary objective of having a team that can develop numerous selection solutions. According to Chrobot-Mason and Abramovich (2013, p. 664), the new focus for every organization is on the strengths that each employee can bring to the business. opposed in the past, companies do not exclude individuals based on their differences. Alcocers (2014, p. 205) assertions concerning diversity have helped businesses dupe that the differences in any organization may help the company gain a competitive advantage.

Mixed Design Research Assignment Example | Topics and Well Written Essays - 500 words

Mixed Design Research - subsidisation ExampleCreswell in his bestselling text Research Design Qualitative, Quantitative, and Mixed method Approaches (Third Edition, 2009). This book talks near the qualitative, quantitative, and mixed methodologies depending on each form of inquiry it deals right from the initial stage of philosophical assumptions to the study and presentation of the research paper. In keeping with the mixed method approach on the subject of educational research, which is what this paper examines the greatest challenge higher education faces in the future are issues of funding and probing for authentic funding agencies availability of relevant materials in ones hometown (Metros and big cities have an utility over people from smaller towns and villages who need to relocate sometimes) availability of research guides issue of limited pose in common entrance exams for Fellowship purpose accessibility of research materials, especially journals, often in the lead to time-consuming processing of limited sponsorships to visit those places to get the relevant journals issue with library access to lofty books and consequent time wastage while waiting for library loans to be processed availability and access to labs with state of the art infrastructure and technology, and issues with unaided research especially for science students where they would need to visit labs every day and cannot break time to anything else.The issues stated above are real-time challenges experienced and observed by an eminent college professor who has been teaching English to university students for the last 5 years (Anonymous, 2011). In fact, due to issues with lengthy processing of library loans and lack of proper access to journals and other relevant research materials, she had to visit London on apply sponsorship for about two months to get access to those rare journals and books in order to complete her thesis paper on time. The professor