Credit Scoring and Its Impact Essay Example | Topics and Well Written Essays - 4500 words

Credit Scoring and Its Impact - Essay Example It has a significant impact on the loan fee fused to the acquired cash. With the importance of FICO rating, realizing it empowers a person to scrutinize the exactness of the score, and accordingly, arranges the best rates with moneylenders. A financial assessment is bought independently and isn't a piece of a buyer credit report. One may buy a FICO assessment from a shopper credit revealing organization, who can charge him/her with a sensible fee.4 FICO ratings are utilized other than deciding if an individual will default on a credit or make late installments. Low FICO assessments are utilized by usurers so as to recognize people whom they accept are probably going to make claims on their protection strategies. An exact FICO assessment can empower financing costs be charged on credits and can have any kind of effect on the accessibility and cost of insurance.5 Science models are utilized in figuring FICO assessment, which examines the financial soundness of an individual. The sum and kinds of obligation that an individual owes are considered by the models. The individual's reimbursement history will at that point be dissected close by a large number of different customers in the credit store. Significant variables that decide a shopper's FICO rating are his/her past installment conduct, the measure of cash he/she owes, the period of time that he/she has held extraordinary credit, the sort of credit he/she utilizes, how much credit is accessible to him/her, and whether there are requests from imminent banks in his/her file.6 The measure of accessible credit that a purchaser is utilizing is one of the most significant components in his FICO rating. At the point when charge card organizations don't report as far as possible for a buyer, the shopper's FICO ratings can be lower tan they ought to be. This is on the grounds that most credit scori ng frameworks substitute the most elevated parity for the missing credit limit. Since it will give the idea that he is utilizing the entirety of his accessible credit, the borrower's FICO assessment will become lower. In this manner, it is significant that purchasers manage charge card organizations that report credit limits on their accounts.7 FICO ratings have fluctuating importance. The higher the score, the better the FICO assessment. By and large, a FICO rating can shift from 300-850, in which most scores fall inside the scope of 600 and 700. A sub-prime advance, which is a limit between a standard advance and a greater expense advance, is commonly commensurate to a FICO assessment of 620. A simpler opportunity to acquire credit and a similarly capacity to get it on better standing and at a lower cost is the ramifications of a higher credit score.8 The credit department and a model designer need to approve a model that will be used for credit scoring. Designers frequently play out extra approvals on autonomous examples before discharging a model, so as to be guaranteed of the model's prescient capability.9 Pincetich, et al10 recommends that all together that a credit agency score might be utilized successfully, it is significant that records are broke down to decide how the score identifies with a particular circumstance, for example, misconduct or insolvency. In spite of the fact that the scoring logarithm continues as before, the exhibition identified with each score may perhaps shift as per client. Thus, a

ComparisonContrast Montresor and Fortunato Essay

ComparisonContrast Montresor and Fortunato - Essay Example The fixation may determine in light of the fact that the men are rises to in foundation, in this manner making Fortunato's affront substantially more angering to Fortunato. Moreover, it appears from their rich language to one another, they have a similar degree of instruction and groups of friends. Furthermore, the two men appear to have a significant number of similar interests. While the plot exploits the affection for fine wines, apparently they may share different things practically speaking. The two men are at festival which demonstrates an affection for parties. Both love wine and highly esteem their insight. Poe says, in the matter of old wines he,' which means Fortunato.' Was true. In this regard I,' which means Montresor,' didn't vary from him tangibly (748). The two men appear to have a preposterous perspective on self import. Both it appears, might be bricklayers. In the story, Fortunato is absolutely a bricklayer, yet it is indistinct whether Montresor is an artisan on th e grounds that while he had the trowel, he didn't have a clue about the hand motion. By and by, the two of them had an enthusiasm for this mystery society and felt that it was indication of distinction. Also, it tends to be surmised that the two men had a dull comical inclination. Maybe both have had a lot of pulling off dull tricks and being the object of dim amusingness. This reason is obvious by the way that even until the last second, as the liquor wore off, Fortunato believed that Montresor might be kidding. At last, the two men are presumptuous. Fortunato really accepts that he is the unparalleled master in fine wines and it is this egotism that seals his destiny. All through the excursion into the barrel, as Fortunato's hack exacerbates, Montresor insults him by offering to take him home realizing without a doubt that Fortunato can't in any way, shape or form oppose the chance to taste. To be sure, Montresor relies upon Fortunato's self-importance so as to execute him. Montresor, moreover, is pompous in his view of the insults endured by him and served by Fortunato. Indeed, even after fifty years, Montresor sits thinking back about the homicide he submitted and still legitimi zes it. The fundamental distinction between the two men was that Montresor was dubious and ever alert, however Fortunato was stupid and effectively drove. Fortunato, as his name suggests is supported by fortune. He is respected and venerated in the public arena and appreciates ubiquity. Fortunato has riches and is by all accounts very much regarded by his family. It is maybe his prominence which permits him to be deceived by Montresor. Nearly from the earliest starting point of his story, Montresor exploits Fortunato's arrogance and pride. The primary control is As you are locked in, I am en route to Luchresi. On the off chance that any one has a basic turn it is he. He will let me know (748). Montresor underhandedly offers this expression since he realizes that Fortunato will need to go with him to taste the Amontillado. It works perfectly in light of the fact that Fortunato demands that Luchresi can't tell Amontillado from Sherry (748). In opposition to Fortunato, Montresor doesn't seem, by all accounts, to be adored, regarded, or one who appreciates a spot in the public eye. Montresor it appears at one point in time appeared to be an equivalent of Fortunato however that time has blurred. Montresor has a huge family it appears and similarly the same number of companions however it appears is if that regard dwindled with the entirety of the wounds he endured. The thousand wounds of Fortunato I had borne as well as can be expected, however when he wandered affront I pledged vengeance (747). It might be that the wounds conveyed

Case Study_Secondary Ticket Market Study Example | Topics and Well Written Essays - 750 words

Study_Secondary Ticket Market - Case Study Example While the groups win additional income from this training, the principle issue is that tickets that are procured through awful ways are set to discolor their picture. The accomplishment in sport is tied in with making great notoriety in order to be in a situation to make common comprehension with the fans. The other issue is that the tickets sold at optional markets are overrated and this is hindering to the groups in question. This is similarly in the same class as equal market where in certain examples the tickets are sold at a top notch cost while their genuine worth is far beneath that. This contrarily impacts on the fans however the group proprietors profit by this training since they would be working hand in glove with the â€Å"scalpers.† at the end of the day, a few people wind up procuring from where they didn't plant and this isn't acceptable practice in undoubtedly. The picture of the group will be discolored toward the finish of day and this is the motivation behin d why a group should ensure that go getters don't dupe the supporters. Over the long haul, it very well may be seen that the group will wind up losing believability because of the exercises of the auxiliary ticket merchants who might be keen on satisfying their childish advantages. At the point when individuals lose trust in the group, it will most likely be unable to create more income since individuals may wind up evading it. It is hazardous for a group to lose the supporters through dishonest direct by the auxiliary dealers of the tickets. This assignment ought to be performed by the specialists utilized by the group. Examination and assessment of the choices in any case, the issue exists in light of the fact that there are a few holders of regular tickets who feel that they can't go to all games. As such they choose to offer these passes to the auxiliary markets which will later exchange them to the individuals who might be keen on getting them. While this is definitely not an e xceptionally impractical notion since it involves that the group will create more income from this training, it tends to be noticed that there are sure issues related with the entire course of action. So as to address the escape clauses distinguished above, it is basic for the particular groups to put control quantifies that are intended to guarantee that every single undesirable ticket are sold through their workplaces. Rather than connecting with auxiliary venders to play out this specific capacity, the individual groups ought to make channels that are intended to guarantee that undesirable tickets are sold through their office. Notwithstanding, the main impediment of this option is that the group will be unable to deal with all focuses that will be answerable for this activity over the entire nation. The other option is that the group included should outfit new data and correspondence innovation to such an extent that the fans who need to exchange their tickets can do it through its official site. In the event that the group saddles new data and innovation, there are likely possibilities that the provisos in the auxiliary ticketing framework are dispensed with. It likewise turns out to be anything but difficult to speak with the fans proposing to sell their tickets to such an extent that there is straightforwardness in all the exchanges that may follow. The significant preferred position of this technique is that the web is secure and straightforwardness is probably going to be upgraded since all exchanges can be represented. All the ticket holders who feel that they no longer need to go to a specific game should move toward the enrolled operators as opposed to going to auxiliary ticket holders

Informative Essay Samples 7th Grade

Informative Essay Samples 7th GradeSo you've decided to write a 7th grade informational essay for your school project, but don't know how to do it? Do you want to find an easy way to write your essay so that you can avoid as much as possible the headache and disappointment of having a horrible grade?Finding the important thing to focus on is one of the most important things you have to do. You can't spend too much time trying to remember your topic, because you will forget it before you finish writing it. Your topic should be something that will make the reader want to continue reading.You need to get yourself a list of keywords that will make people look for what you are writing about. You might want to consider the meaning of your topic before choosing your keywords. Make sure you know the main ideas behind the topic, and do you have the original thought. These can come in handy if you make some suggestions or comments that seem out of place.Next, you need to know what point you wa nt to emphasize. Some topics simply need to be told, while others require more discussion and background knowledge. You might want to read the books you are going to use. This way, you will learn more about the topic, and you will also read it in an easier way. In short, you need to get something out of it, besides the writing.The third most important thing is to think about the voice of your essay. You should write an article that has a conversational tone, and if possible, in a voice that reflects how you write. This way, you will end up getting a more honest opinion from your readers.Fourth, keep your work organized. Be careful when looking for relevant articles online, and do not be afraid to bookmark them. It might be more convenient to do it that way, but bookmarking saves time. You should only include relevant things and give each point a well thought-out description.These are the most important things you need to do if you want to finish the project successfully. You can do them all by yourself, or you can ask the guidance of a professional. It all depends on how much time you have. You can always find a professional to help who knows how to properly organize your information.

Investment Bank Reputation Information Production And Financial Intermediaries Finance Essay - Free Essay Example

Sample details Pages: 6 Words: 1814 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? The article is a joint work of Thomas J Chemmanur and Paolo Fulghieri, it speaks about the reputation building of an investment bank, how information production and work of their underwriters help the banks build as well as break their reputation in the equity market. It calculates the reputation of a bank for entrepreneur and investor based on a virtual model created by them based on the real life market. About the Authors: The article is written by Thomas J Chemmanur and Paolo Fulghieri, this article was published by Blackwell Publishing for American Finance Association, in its The Journal of Finance, Vol 149 No.1; Mar 94; Pg. 57-79. Mr. Chemmanur is a professor of finance in Boston College in USA; with his research activities he has made a commendable contribution to the field of finance, which has also fetched him awards. Mr. Fulghieri is a professor of finance at the Kenan Flagler Business School, he is PhD in Economics, 1987 from University of Pennsylvania. He has contributed a lot towards the field of finance through his research and study; also he has been awarded many times for his papers, articles and researches. Don’t waste time! Our writers will create an original "Investment Bank Reputation Information Production And Financial Intermediaries Finance Essay" essay for you Create order Evaluation: The work is not completely original; up to some extend it is an extension to the work of authors like Leland Pyle (1977), Campbell Kracaw (1980) and Kreps Wilson (1982), etc. Relevant examples and references are quoted wherever required to support their findings and suggestions, but authenticity and co-relation of these examples and references needs to be checked, whether they are on the same lines or not. To make their research the authors have developed a virtual model based on the real market situations, and as prevailing in the market, there are 3 agents in the model, 1. Entrepreneur 2. Investment Banker 3. Investor They have quoted that the investment banks charge high fees for their service and a lot has been written about the reputation of the investment bank, but the fact remains very clear that major responsibility of either overpricing or under pricing of the assets of entrepreneur depends upon the skills and work of the underwriter who assess the assets of the entrepreneur and does not solely depends upon the reputation or brand name of the bank. Also, that the high fees are charged because high cost is being incurred on the information gathering and setting evaluation standards. Moreover, their model just doesnt include firms dealing in IPOs but also includes firms dealing into seasonal equity issues, bond or debt market, etc. Their research in this article has given the most importance to the underwriter and also that the fees of the bank just doesnt depends on banks reputation but also on underwriters reputation, and that underwriters fees also increases with their reputation. At one point, they have related their model to product market also, where an e.g. of Allen (1984) Shapiro (1983) is quoted. They say that, like fear of running reputation may prevent manufacturer of experience goods (these are the goods whose quality can be known only after purchasing, because they lower the product quality in order to gain shore term profit). But unlike, manufacturer in product market, investment banker plays the role of mediator or middleman in the equity market, and therefore does not has all the information. Rather has only that information which the entrepreneur wishes them to have. Therefore they say that if the banker ones overprice or underprice the project that doesnt hamper the reputation of the bank much. They also, give a suggestion that to lessen the moral hazard feeling of being cheated in investors by investing a huge amount in the overpriced shares themselves; this may lessen the risk of spoiling the banks reputation. The model of reputation acquisition by investment banks, have very well exhibited that reputation acquisition plays a critical role in enabling intermediaries to function as information producers. They have also laid down some formulas for calculating the reputation of the based on their model, which is not supported by any practical example of a real investment bank, which they should have done to make their article more realistic and applicable. Therefore, it seems it may not be practically possible to calculate reputation of a bank based on formulas. Moreover, a firm going for public listing can afford to calculate the formula and derive the reputation, but a common investor who invests one to ten thousand GBP cannot afford to make calculation to calculate the reputation, that to of a middleman. Therefore, if the authors would have developed a more realistic based reputation calculation method, it would have been more useful to the retail investors. A CRITICAL EVALUATION OF ARTICLE COMMERCIAL BANKS IN INVESTMENT BANKING CONFLICT OF INTEREST OR CERTIFICATION ROLE? Introduction: An article on similar grounds but different base as previous ones has been written by Prof. Manju Puri when doing her research from Stanford University. The article talks about the era before The Glass-Steagall Act was implemented in 1933, when the commercial banks were authorized to function as underwriter for corporate securities. She discusses and analyses that whether the commercial banks who finance the project, also underwriting corporate securities, whether it hampers the reputation of bank or not. About the Author: This article has been written by Manju Puri in The Journal of Financial Economics Vol 40, Issue March96), Pg. 373-401. Manju Puri is a PhD in Finance from New York University, she started her career with HSBC and now working as a professor of finance and research fellow in Duke University. She has won many awards honours grants for her research and papers book publication from Federal Deposit Insurance Corporation, etc. which suffice the authenticity if this article. She wrote this article when she was working with Graduate School of Business, Stanford University, Stanford. Evaluation: Like previous article the author here also speaks about reputation of investment banks (hereafter referred as investment house), but in different perspective, i.e. she has compared investment houses reputation with commercial banks reputation. She has also projected the possible hazard when commercial banks who are into financing and providing commercial loans to entrepreneurs, when theses banks function as a investment house for the same entrepreneur, is this information biased? Her article discusses a different dimenstion about the reputation of investment bank. Real life law and statutes are being explained and taken into consideration for proving her point, like The Glass-Steagall Act (1933). The pre Glass-Steagall Act period has been examined in this paper. The commercial banks are prohibited from underwriting corporate securities in USA after The Glass-Steagall Act (1933), but in some countries like India no such act has been levied and commercial banks are still permit ted to underwrite the corporate securities, so the validity of this paper is limited to some countries only. This article tried to find answer for a very significant question, whether the evidence regarding conflicts of interest, support the concern of those opposed to The Glass-Steagall Act deregulation? And she has also managed to get the answer by analyzing the pricing of securities underwritten by commercial bank in pre Glass-Steagall period. She says that to understand whether the conflicts of interest is reflected in the security price, and it is important to understand underwriters incentive in certifying securitys value. The commercial bank while processing loans obtain personal and private information about the firm which is generally not known to the investors. Therefore, the commercial banks have more information than investment house even after incurring high-cost on information gathering and commercial bank certification have a stronger effect than that of investm ent house. What commercial bank does is that they weigh the security strong when they finance the project so that from the proceeding the firm can pay back their loan, and protect their own self interest, at the expense of outside investors, and because investment house do not engage themselves in loan making they do not have such personal interest and tend to be more credible certifier. She also quotes that investors should understand the pattern that, if the issue is rated lower that means the conflict of interest of the bank is stronger than investment house and if the bank issued higher rate than the conflict of interest is lower than that of investment hous. For better understanding and clear presentation of information, the paper is divided into sub sections i.e. Section 1: Sample Selection. Section 2: Methods and Results. Section 3. Examines Certification Effect. Section 4: Conclusion. Section 1: Sample Selection: The data is collected on sample basis as listed below: Data is collected pre Glass-Steagall period i.e. 01/01/1927 to 30/09/1929, this period is before the application of Glass-Steagall Act. Data collected is measurable on front of size of issue, age of firm and the underlying security credit ration associated with issue. Section 2: Methods and Results: All the tests done are well explained this section with their results, some of them is as listed below: The basic null hypothesis test is used for results. Univariate Test: the results are tabulated for better reading, understanding and analyzing. Multivariated Test: the results are tabulated for better reading, understanding and analyzing. Prohibit Tests. Selectivity bias adjustments: the results are tabulated for better reading, understanding and analyzing. Section 3. Examines Certification Effect: Her findings from the tests showed that commercial banks underwriting has lower yields than investment house underwriting, to ensure that the incentives, that the banks get are driving the results she formulated additional tests, which showed that banks certification is highest when banks have access to more private information than investment house, accordingly she conducted some more tests on various kinds of issues and showed results in tabular format: Foreign Government Bonds v/s Industrial Bonds (corporate bonds). Industrial Bonds v/s Industrial Preferred Stocks. New v/s Seasoned Offerings. Non-investigating Grade Security v/s Investment Grade Security. In House Bond Underwriting v/s Affiliate Underwriting. Section 4: Conclusion: The paper examines that there are two types of intermediaries for issue of equity, i.e. bank and investment house. The loan resources that bank have at risk, gives them access to private information at little cost, as compared to investment house, which may under produce information, because of high cost of production. In general, the results drawn from this article confronts the hypothesis outline in Section 1 and 4. The test also supported the idea that investments perceived banks as being valuable certifiers of firms value. Conclusion: After evaluating both the articles I conclude the following: One reason why investment houses have to strive more to build reputation in equity market is that their underwriters have access to firms limited information. The investors believe that banks have more personal and private information of the firm and therefore find banks certification more reliable and this also hampers the repute of the investment house. The reputation of investment house just does not depends up on their on past performance and evaluation standards but also depends on their competitors performance and evaluation standards.

Do Mergers Add Value to Business - 1527 Words

Academic Practice for Business CONTENTS Introduction Definition of Mergers Merging Intelligently Steps for Merger Success Reasons for Failure in Mergers Analysis TATA group the market Pioneers Tata Steel Tata Teleservices Do Mergers add value to business? Introduction In a times where there is cut throat competition for even the biggies, organizations who have been playing since many decades and the rulers of economy it became a concern for them for how to survive? Here in cropped up the Idea of MERGERS. Well, whether a Merger adds value to business cannot be answered in a yes or a No. This depends on what kind of a Merger that is. The following essay will comprise of some successes as well as mergers†¦show more content†¦It could be A) Unfocused approach or demotivated employees B) Not enough funds C) Cultural differences D) Disregard of the main business Point A implies that a lot times a Merger is happening for the sake of it as in just because it’s a trend and it would bring the organization in the news. It may happen not for a real Business cause but for having media attention. Here the Banking institution or the Lawyer normally tries to be diplomatic and never corrects or advice their possible clients in order for their own interests being served. Point B implies that a lot of time when the organizations keep their finances as secrets or they hold it onto the last minute to open up about their finances it is sometimes too late by then. Point C says clearly that two different geographical locations or different cultures could pose problems within the managements and operation style. Point D reflects that a lot of times when there are more than required post-merger meetings, concentrating on excessive cost cutting, or social gatherings more than what is required, it happens that the employee starts to loose onto interest. It could even be when the revenues are much less than what’s expected that the motivation of the employee sways away. 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The Stone Carvers free essay sample

Obsession in The Stone Carvers The Stone Carvers is a book of obsessions. Each one of the characters has their own obsessions that at one point they believe to be a natural and helpful to their lives. However each of the characters in The Stone Carvers learns that these obsessions with perfection, love, adventure, or anything end without them being able to be satisfied and on many occasions without achieving what they were obsessing over. The author Jane Urquhart made a compelling story on the nature obsession and the effects of obsession over any matter. The characters of the novel were fixated on a large range of ideas; they were obsessed with ideas from love to architecture and because of the diversity that Jane has shown that obsession of any form will always end without resolve. The conclusion about obsession can be grasped through the various trials that each character of the story is placed under. In The Stone Carvers Urquhart is able to show that obsession can never lead to a successful happiness, through a few powerful ideas; when someone is fixated on an idea the task may not be able to be completed, a person’s obsession can be counterproductive to their cause, and fixating on one thing can cause the person to lose track of the rest of their life. When someone is fixated on one task or idea their obsession may not ever be complete in their eyes. In Klara’s love affair with Eamon, Klara is obsessed with staying with and caring for Eamon. When Klara was not with Eamon she was thinking of him; â€Å"All the rest of the day she was thinking of the moments when Eamon’s arm was on her shoulder or his hands were in her hair.† (pg. 121) This obsession of love seems like a natural and healthy idea to have however Klara’s work begins to be influenced by their love and she begins to be jealous of anyone with a relationship with Eamon. Klara becomes particularly upset at one point she exclaimed â€Å"I saw you laughing, Eamon, with your friends outside the brewery. I think you’d forgotten me altogether, that’s what I think.† (pg. 117) Klara’s obsession with Eamon was never able to be complete because she would never be able to complete her storybook obsession of loving him and him loving her. Her obsession eventually led to an extended period of grieving her lost lover. Sometimes an obsession with something can actually blind the obsessed person  into actually being counterproductive to their goals. In a minor case in The Stone Carvers Refuto, who broke down because he held himself responsible for his brother’s death, ran from his family to not bear with the pain of reuniting with them. Refuto’s reasoning for not going back to his family was that: â€Å"I could not put the burden of a killer on their shoulders.† (pg. 211) Refuto was obsessed with keeping his name clean and his family safe. When he ran away from home however his family was left to fend for themselves and live without his support. When he and Tilman had become friends was the only time that he realized he had been hurting his friends with his own obsession. When Refuto did get over his obsession and went home, his wife and he talked at length about the family and how they were able to get along for so long without him. Refuto said that â€Å"I was gone but Tilman told me to come back.† (pg. 215) Since his departure Refuto was able to â€Å"clear my head in four directions at once.† (pg. 215) This fixation on Refuto’s name had kept him away from his family but finally he was able to go back and correct what his obsession did to him. His obsession had blinded him to the harm that his actions had caused to his family. Instead of helping keep his family safe he was only harming it and only once he accepted that he had an unhealthy obsession was he able to return to his life with his family. When someone is fixated on an idea they tend to lose focus on other important aspects of their lives. In The Stone Carvers an example of this would be in Tilman and Klara’s mother, Helga. Helga had recently mourned what she thought was her son’s death and became obsessed, as soon as Tilman came home, with controlling where Tilman went and how he would live. Tilman however â€Å"responded neither to her questions nor her attempts at incarceration and intimidation but looked at her with confusion on his perfect face.† (pg. 63) Helga became so hysterically obsessed with keeping him with her that eventually she chained Tilman to the house however â€Å"Helga would never recover – not from his imprisonment and not from his escape.†(pg. 67) Tilman screamed and refused to eat while he was chained and his mother only then realized that she had made a mistake in obsessing over keeping Tilman caged. She pushed Tilman away with her passions for keeping him with her. The Stone Carvers shows that someone who is obsessed  with an idea or task is more prone to making mistakes or causing a problem in a related aspect of their life. Throughout the book Jane was able to show her views on obsessions in persuasive undertones and themes throughout the entire novel. Jane was able to show that no matter how justified a fixation may seem the outcome is always negative. Throughout the novel the theme of obsession can be seen from the minor characters all the way to the major events of the story. Jane makes her case with many examples of the ways obsession can lead to the destruction of a person. She does this through showing that when someone has an obsession they might never be able to complete, a person’s obsession could be counterproductive to their cause, and fixating on one idea can cause the person to lose track of the important parts in their life. The persuasive undertones in the story are able to clearly convey the message of obsession being something that only harms the obsessed person. Walter Allward once said â€Å"I have been eating and sleeping stone for so long it has become an obsession with me. And incidentally, a nightmare.† (pg. VI) The inspiration for such a great novel and theme can be found in this quote because the amount of emotion that went into Walter’s work on the Vimy Ridge Memorial but also the tragic way Walter was unable to be truly happy after his most amazing creation.

The Grand Canyon free essay sample

The Grand Canyon National Park contains one of the most well known natural wonders of our country: The Grand Canyon. It is located in Arizona. Over the years, the Grand Canyon has attracted many visitors, and today the park sees nearly five million visitors yearly (NPS, History Culture). It has always been a target for human interest, going back to the days where Native Americans ruled the land and continuing through present times. However, like the rest of our natural world, the Grand Canyon faces many threats, mainly due to humans. What are these things that threaten the Grand Canyon, what is being done to combat them, and what else can be done to protect the Grand Canyon National Park? Within the Grand Canyon lays the Colorado River, which scientists believe carved it out 17 million years ago, much earlier than the previous estimate of 6 million years (Wilford). The river consumes the area over time, eventually forming the magnificent canyon that we see today. We will write a custom essay sample on The Grand Canyon or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The canyon runs east-west so it has a North Rim and a South Rim. The Grand Canyon is 277 miles long, 18 miles wide and 5,000 feet deep (Grand Canyon Facts). It contains several ecosystems and hundreds of unique species of animals and over a thousand species of plants (Grand Canyon Facts). The Grand Canyon contains very old objects that date from up to 12,000 years ago (NPS, History Culture), back to early Native American culture. Therefore, it has been known to, used by, and been occupied by humans for a very long time. According to the U. S. National Park Service, â€Å"the park has recorded over 4,800 archeological resources with an intensive survey of nearly Le 2 3% of the park area† (NPS, History Culture). The Grand Canyon was first given federal protection in 1893, but it wasn’t for nearly another 30 years that it would become a National Park. This happened in 1913, three years after the National Park Service was created (NPS, History Culture). The Grand Canyon is thus one of the oldest national parks in the country. Before it became a national park and a magnet for tourism, the Grand Canyon attracted explorers, pioneers, and corporations looking to harness resources from it. Being a national, the Grand Canyon has always been a target of conservation. The first such effort was started by Franklin D. Roosevelt, who in 1933 put people to work who were jobless due to the Great Depression (NPS, CCC). He created the Civilian Conservation Corps (CCC) and filled it using poor and unemployed men. It lasted for nine years, and during its time they traveled around the country completing conservation projects at national parks and other sites. They engaged in projects such as â€Å"tree planting, trail construction, erosion control, forest fire fighting, state park development, and fire road construction† (NPS, CCC). According to the National Park Service, four federal agencies were used to make sure that the CCC was successful. The Department of Labor selected the workers, The Department of War transported, supervised, and managed their care, and the Departments of Agriculture and Interior designed the projects and supervised the Corps. What types of threats does the Grand Canyon face today? Well, there are many in fact. Due to pollution, building, and other human activities, nature is Le 3 often thrown out of balance, and without further human intervention to reverse these problems, natural habitats are threatened. According to a report by the National Parks Conservation Association, one challenge is â€Å"Colorado River management actions that do not incorporate adaptive strategies for protecting and restoring fish, river flows, riverine habitats, cultural sites, and archaeological resources along the river corridor† NPCA, 3). Other problems include sounds cape management, such as over flights that can disturb visitors, wildlife, and the 11 Native American tribes which live in the park (NPCA, 3). Greater and better relationships with these tribes are also wanted. Mining activities from the past and present, along with air pollution from nearby areas also pose threats to the health of the park. Due to environmental change, the canyon even faces threats from non-native animals intruding. According to Anne Minard of the High Country News, drought has recently brought bison into the park. They were originally taken into Arizona for an experiment to breed them with cattle, although that failed (Minard). â€Å"Biologists with the National Park Service say the huge animals (males can weigh up to 2,500 pounds) are wallowing in riparian areas and damaging cultural sites. They considered building a fence, but that would affect other wildlife, such as mule deer† (Minard). The NPCA also states that there are â€Å"front country and backcountry management and protection needs, particularly in regard to the challenges of park size, visitation patterns, and shortfalls in funding, which compromise efforts to preserve and protect the park’s resources. † Finally, the Grand Canyon faces the threat of climate change, like much of the Le 4 rest of the world. The Grand Canyon faces threats to its land, water, resources, wildlife, and even people. What are some things being done to address these problems and what more can be done to do so? The NPCA addresses each problem and makes recommendations. The river must go back to a more natural state, with a reduction in rafting and non-native oceangoing animals. The NPCA also recommends restorative flows to the river. For noise pollution, the park should prohibit flights and certain areas and put a cap on air tours. Mining is one thing that is already been addressed. The report states that â€Å"The Secretary of the Interior has temporarily barred the filing of new mining claims — including those for uranium — on the nearly one million acres of public land surrounding the Grand Canyon. † The NPCA recommends that Congress pass an act to permanently ban mining on these public lands. Since the park has no authority over air pollution from other areas, it must rely on government regulation to cut down on pollution. The park should press the government to continue regulating pollution. In 1991, environmental groups and a nearby Navajo electrical plant agreed to â€Å"drastically cut sulfur-dioxide emissions,† (Air Pollution) but there is still more to be done. As for non-native animals, greater effort must be undertaken to make sure that they are removed and that more are not brought in. When it comes to park management, the park needs more resources and funding to ensure that visitors have a great and safe experience and that all buildings and structures in the park are in good Le 5 condition. For building ties with the Native American tribes, the park should make them more involved and known to visitors, through areas like history, art, and â€Å"cultural significance† (NPCA, 4). When it comes to climate change, this is another thing that is beyond the park’s control, as it is a global event. The whole world must take action against climate change in order for both the Grand Canyon National Park and the Earth itself to be protected. â€Å"Grand Canyon Park Supervisor Steve Martin said he generally agrees with the report’s findings† (O’Keefe). The Grand Canyon Chapter of the Sierra Club, an environmental organization, has been working with the park for years on protecting its environment. The chapter aims to fight against climate change and preserve wildlife. Some of their objectives include stopping mining in the park and the surrounding region, limit off-road vehicle activity in the area, convince Congress to pass the Grand Canyon Watersheds Protection Act, and â€Å"promote resilient habitats† (Sierra Club). In conclusion, there are many things that threaten this grand park, and there are many challenges ahead for preserving the Grand Canyon.

Respiratory System Essays - Infectious Diseases, RTT, Free Essays

Respiratory System Essays - Infectious Diseases, RTT, Free Essays Respiratory System Respiratory System The main organs of the respiratory system are the lungs, trachea, bronchioles, mouth, nose and epiglottis. The accessory organs are the bladder, lungs, large intestine, kidney and pancreases. Anatomy and Physiology of the Respiratory System The respitory system tract is divided into the upper and lower regions. The upper respoitory tract includes the nasal passages, sinuses, and the throat area where the epiglottis and larynx are located. The lungs are a pair of large , spongy organs found in the thorax lateral to the heart and superior to the diagram. Each lung is surrounded by a pleural membrane that provides the ling with space to expand as well as a negative pressure space relative to the bodies exterior The Bronchi and bronchioles is located at the interior end of the trachea, the airway splits into left and right branches known as the primary bronchi. The left and right bronchi runs into each lung before branching off. The main function of the bronchi is to carry air from the trachea into the lungs. Larynx also known as the voice box , is a short section of the airway that connects the larynopharynx and the trachea. The larynx is located in the anterior portion of the neck. Several structure make up the larynx and gives it its structure. Pneumonia and its Causes Pneumonia is a lower respitory infection by bacterial , viral, or fungal pathogens. Pneumonia can be acquired from the general community or from exposure in a long term care facility. The most common symptoms of pneumonia are: Cough (with some pneumonias you may cough up greenish or yellow mucus, or even bloody mucus) Fever, which may be mild or high Shaking chills Shortness of breath, which may only occur when you climb stair Sharp or stabbing chest pain that gets worse when you breathe deeply or cough Headache Excessive sweating and clammy skin Loss of appetite, low energy, and fatigue Confusion, especially in older people Symptoms also can vary, depending on whether your pneumonia is bacterial or viral. Causes of Pneumonia What Causes Pneumonia? Viruses cause many cases of pneumonia, but bacteria are the most common cause of pneumonia in adults over the age of 30. Fungi can also cause pneumonia. Many of these germs are all around us. They usually can't get past a healthy person's natural defenses. Pneumonia is most common in those with weaker or compromised immune systems, elderly people, cigarette smokers, alcoholics, and people suffering from other diseases such as the flu. Pneumonia Diagnosis and Prevention Pneumonia can be hard to diagnose because it may seem like a cold or the flu. You may not realize it's more serious until it lasts longer than these other conditions. Your doctor will diagnose pneumonia based on your medical history, a physical exam, and test results. Chest X Ray-achest x rayis a painless test that creates pictures of the structures inside your chest, such as your heart, lungs, and blood vessels. A chest x ray is the best test for diagnosing pneumonia. However, this test won't tell your doctor what kind of germ is causing the pneumonia. Blood Tests- Blood testsinvolve taking a sample of blood from a vein in your body. A complete blood count (CBC) measures many parts of your blood, including the number of white blood cells in the blood sample. The number of white blood cells can show whether you have a bacterial infection. Amoxicillin Amoxicillin(Amoxil) is from the same family of antibiotics as penicillin. AMOXIL is used to treat a range of infections caused by bacteria. These may be infections of the chest (pneumonia), tonsils (tonsillitis), sinuses (sinusitis), urinary and genital tract, skin and fleshy tissues. AMOXIL works by killing the bacteria that cause these infections. It can also be used to prevent infection. The drug is absorbed rapidly by the gastrointestinal tract after oral administration and is stable in the presence of gastric acid. Common amoxicillin side effects may include: stomach pain, nausea, vomiting, diarrhea; vaginal itching or discharge; headache; or swollen, black, or "hairy" tongue. Amoxicillin cont. Do not use this medication if you are allergic to amoxicillin or to any other penicillin antibiotic, such as ampicillin (Principen, Unasyn), dicloxacillin (Dycill, Dynapen), oxacillin (Bactocill), or penicillin (Bicillin L-A, PC Pen VK, Pfizerpen), and others. Before using amoxicillin, tell your doctor if you are allergic to cephalosporin's such as Omnicef, Cefzil, Ceftin, Keflex, and others. Also tell your doctor if you have asthma, liver or kidney disease, a bleeding or blood clotting disorder, mononucleosis (also called "mono"), or any type of allergy. Amoxicillin can make birth control pills less effective Zithromax (azithromycin) Thismedicationis an antibiotic used to treat certainbacterial infections. This medication is known as a macrolide (erythromycin-type) antibiotic. It works by stopping the growth of bacteria. This medication is used to treatlunginfections (pneumonia) or female pelvic infections caused by bacteria. Azithromycin comes

Primer of Biostatistics Term Paper Example | Topics and Well Written Essays - 2000 words

Primer of Biostatistics - Term Paper Example During data analysis, quite often, either of descriptive statistics or inferential statistics methodologies is employed. Descriptive statistics (which unlike inferential statistics is not developed on the basis of probability theory) basically refers to the discipline of quantitatively describing the main features of a collection of data while inferential statistics on the other hand denotes the process of arriving at conclusions from data open to random or sampling variations (such as observational errors) (Graham, pg.40). Statistics is a wide field of study, probably one of the broadest disciplines available, with a plethora of applications too. The topic of ‘Fields of Application of Statistics’ is a rich topic in itself and one that sparks a lot of interest both to scholars and professions globally. Some of the sub-topics herein include actuarial science, astro-statistics, business analytics, chemo-metrics, demography, econometrics, environmental statistics, epidemiology, geo statistics, operations research, population ecology, statistical thermodynamics, and biostatistics and so on (Graham, pg.82). This paper deals with the biostatistics aspect of statistics. Biostatistics, commonly referred to as biometry, is the use of statistics in a wide range of topics in biology. Biostatistics deals with the design of biological experiments (such as in medicine, agriculture, pharmacy, fishery, etc), the collection, summarization and analysis of collected information from the experiments, followed by the interpretation of, and interference from, the results. Biostatistics is a combination of mathematics and reasoning, it considers how research questions are generated, studies are designed, data are collected and results interpreted. If the samples one takes are representative of the population of interest, they will provide good estimates concerning the overall population (Hubert).

People hit family members because they can Essay

People hit family members because they can - Essay Example Consider a couple named Chet and Margorie that had been married for ten years. Oftentimes Chet is a very domineering husband and many times has hit and abused his wife because he believed she did not do an adequate job of cleaning the house. While it’s easy to consider that Chet is just a violent person, one must also consider what would occur if Chet had a janitor that did not properly clean his office. In these regards, it seems clear that Chet would not attack the janitor. While Chet’s exact motivations are not easily discernable, Jacobson (1998) indicates that spousal abuse is oftentimes linked to dysfunctional relationship patterns and modes of communication within the household. Markowitz (2000) also indicates that spousal abuse more readily occurs, or is deemed ‘acceptable’ as compared to public violence, as the abuser is able to rely on the abused person’s emotional or financial dependence to ensure they will not receive punishment. In these regards, the abused person is often unable to leave or inform the authorities about the abuse because they rely on the abuser for their survival. While the earlier instance considers spousal abuse, family abuse also occurs in other forms. Consider the instance of David and Marie.

Fast food restaurant Essay Example for Free

Fast food restaurant Essay There are a few issues in the United States that many of us are talking about daily. One of those main issues that are being talked about is food in our society. But even more specific than that, many are talking about how the fast food industry has affected and impacted our society. There is a lot of history of how fast food has started. There were a lot of entrepreneurs many years ago that realized that going into the fast food chain would bring them great profit (Levenstein 229). Some not only went after the food people liked to eat, but also where exactly they started their business. The author Harvey Levensteing tells us that one of the most successful entrepreneurs, Ray Kroc from McDonalds, went after the areas where there were more families with children, and just that helped him become more successful than others (229). So other than a couple of smart guys knowing what industry to get in and being extremely successful, there are many ways that these people have made the fast food industry impact our society in a couple of ways. We all live in this country and since we are all humans we have to make time to eat, whether it is at home or somewhere outside of home, we still have to eat. In that case, we all have seen or been around the fast food industry. Fast food is a growing industry that has had a huge impact in our society today, with its speedy service, the convenience of drive through, and its cheaper way of mass production, it has made us Americans see food in a different way. America now in days is known to want and have everything as fast as we can have it. We Americans, have gotten into this set of mind that if things go faster then everything will be better. Like I have said previously, many entrepreneurs saw that and took advantage of it quickly. It has been researched that people are relying more on food that isn’t prepared at home for meals when you’re not home and even when you are home (Sharkey et al. 1). One of the main reasons for that is that it is time consuming to even go home and cook a meal for a whole family. It saves time to just go right around the corner, usually, and buy a whole meal from Kentucky Fried Chicken. This is an easy way out for those with a fast-paced life which now is almost every American. In many cases when you are tired from working long hours and are starving, a meal from one of the many fast food restaurants just seems holy since you know you will receive it in a matter of just minutes. The fast food chains have adapted with the fast-pace lives which also lead us to other types life styles such as amusement and entertainment (Thomas). With its advantage of saving time and getting as much food as you would otherwise, there is also a disadvantage with fast food being so speedy and gotten us used to it. Since it is a way of getting your food so fast and eating it right away, it takes away from other valuable things there was to eating. We are so wrapped up in just getting eating out of our way that we lose the value to family quality time spent when there is a more home-made traditional meal (â€Å"Advantages and Disadvantages†). Clearly, fast food has helped with getting our meal faster, but also made us lose some of our valuable moments. One huge advantage that fast food owners saw was drive-through, also known as drive-ins. This was something that happened at exactly the perfect time it had to. These entrepreneurs saw how the car industry was growing in our society and immediately took advantage of that fact. That is when drive through started because they saw how much American’s loved the car. So they made a food lifestyle revolve around the automobile, which to this day has stuck to our society. Eric Schlosser has a quote of one of the first founders of drive-ins, Jesse G. Kirby, which he states, â€Å"People with cars are so lazy, they dont want to get out of them to eat! † (Schlosser) This shows how America had changed and revolved around what these guys were doing. Clearly they were successful meaning there had to be those of us loving to just go to a place, order and get our food brought right to us. The bad part of this, was that like Kirby said people were being really lazy to get something we couldn’t go without, which is food. This has come to a full circle with how it has impacted our society. Being able to get in your car and drive through a window and get a meal in a matter of minutes is great, but when we are doing this constantly and through laziness, that’s when we go wrong. The fact that there is an easier way to get our food has helped the fact that America is known for an obese country. We can’t completely blame it, but it has had the drive-in impact, which like it has been said, people are that lazy they don’t want to get out of their cars to even eat. To sum it up, drive-in have been an addition to our society that has had several effects. Another big way the fast food industry has impacted our society is the economics of mass production (Levenstein 228). A perfect example of this is what the McDonald brothers did when they were tired of having to deal with things that lead to them spending much more and consisting of more time. So they started something that would stay with us for a long time. What the McDonald brothers did was: [They] fired all their car hops in 1948, closed their restaurant, installed a larger grill and reopened three months later with a radically new method of preparing food. They eliminated almost two-thirds of the items on the menu. They got rid of every item that had to be eaten with a knife, spoon or fork. The only sandwiches now sold were hamburgers and cheeseburgers. The brothers got rid of their dishes and glassware, replacing them with paper cups, bags and plates. They divided the food preparation into separate tasks performed by different workers. The guiding principles of the factory assembly line were applied to the workings of a commercial kitchen. The new division of labor meant that a worker had to be taught how to perform only one task. Skilled and expensive short-order cooks were no longer necessary. All of the burgers were sold with the same condiments: ketchup, onions, mustard and two pickles. No substitutions were allowed. (Schlosser) This is where it all started. Schlosser clearly tells us that they even added the principle of the assembly line. The McDonald brothers saw that making things in more amounts was going to be way cheaper and save time as well. How they changed things impacted society greatly. After the other fast food entrepreneurs saw that this was a genius idea, they all started following the same path. What Schlosser says that the brothers did is still what we see today in almost any fast food restaurant we go out to eat at. How much they produce in a day is mainly by how much us as Americans demand for. This all seems great and beneficial to all, but how beneficial is it to our society as a whole. The fact that the fast food industry has seen that it is cheaper to hire people to a job that is literary a dead end, make the food we eat just as a simple assembly line to satisfy our need to have everything faster, and making everything in huge amounts has been good in a way, but bad in others. This had led to other problems as to how and where they get there food fast enough to have as much as they need for the demand. Much of the process of how they get there food isn’t the greatest which in another way has a bad impact to this country. Clearly us as Americans loved the economics of the mass production, but we should realize everything behind it. In conclusion, we clearly see the impacts fast food has had in our country and society. It has come to change the way we live because food is such an important part of our lives. Us as Americans have had a habit to want things very quickly, we love our cars therefore the drive throughs were a huge success, and the fact that producing things in large amounts and being able to pay less for the work seemed like a genius idea. This has lead to many benefits with the fact that we are living in a fast-paced society. On the other hand, some of it has affected us like being one of the obese countries. This issue is something that will be talked about for years to come. Hopefully someone will find that happy medium where the benefits of fast food stays, but the bad side of it goes away. When that day come will we have a better way of seeing fast food and how much of an impact it has and will have in our society, and we will be able to focus more on those other issues that are being talked about. Works Cited â€Å"Advantages and Disadvantages of Fast Food. † Buzzle. com. N. p. , 2011. Web. 13 June 2011. Levenstein, Harvey. â€Å"Fast Food and Quick Bucks. † Paradox of Plenty: A Social History of Eating in Modern America. New York: Oxford UP, 1993. 227-236. Phoenix College Library. Web. 7 June 2011. Schlosser, Eric. Fast Food Nation: The Dark Side of the All-American Meal. New York: Houghton Mifflin, 2001. N. pag. Print. -. â€Å"Fast-Food Nation. † Rolling Stone 3 Sept. 1998: Part 1-2. MC Spotlight. Web. 7 June 2011. Sharkey, Joseph, et al. â€Å"Focusing on fast food restaurants alone underestimates the relationship between neighborhood deprivation and exposure to fast food in a large rural area. † Nutrition Journal 10. 1 (2011): 1-2. Academic Search Premier. Web. 7 June 2011. Thomas, Emma, ed. â€Å"How to Cognate The Good Side of Fast Food Culture. † Sooper Articles. ISolution, 2011. Web. 14 June 2011.

Charles W. Chestnutts The Marrow of Tradition Essay examples -- Chest

Charles W. Chestnutt's The Marrow of Tradition      Ã‚  Ã‚  Ã‚  Ã‚   Clearly, one can expect differing critical views of a novel; from the   Ã‚  Ã‚  Ã‚  Ã‚   author's perspective we see one view, from a publisher's another, and from   Ã‚  Ã‚  Ã‚  Ã‚   the reviewer's yet another. This is especially true of Charles W.   Ã‚  Ã‚  Ã‚  Ã‚   Chesnutt's   The Marrow of Tradition. If one observes both the contemporary   Ã‚  Ã‚  Ã‚  Ã‚   reviews of the novel and letters exchanged between Chesnutt and his   Ã‚  Ã‚  Ã‚  Ã‚   friends and publisher, Houghton, Mifflin, and Co., one will see the   Ã‚  Ã‚  Ã‚  Ã‚   disparity in opinions regarding the work. Chesnutt himself felt the work   Ã‚  Ã‚  Ã‚  Ã‚   was of at least good quality, and remarked often of its significant   Ã‚  Ã‚  Ã‚  Ã‚   purpose in letters to Booker T. Washington, Houghton, Mifflin, Isaiah B.   Ã‚  Ã‚  Ã‚  Ã‚   Scott, and William H. Moody. Reviewers, too, were able to see the   Ã‚  Ã‚  Ã‚  Ã‚   "purpose" of the novel as a significant one as evidenced by reviews in   Ã‚  Ã‚  Ã‚  Ã‚   Chautauquan, the New York Times, The Literary World, Nation, and New York   Ã‚  Ã‚  Ã‚     Age.      Ã‚  Ã‚  Ã‚  Ã‚   However, most reviews, even those which pointed out the important theme of   Ã‚  Ã‚  Ã‚  Ã‚   the novel, suggested that it was not a well written one, often seeming   Ã‚  Ã‚  Ã‚  Ã‚   overly dramatic and too fictionalized. Even Chesnutt's friend, W.D.   Ã‚  Ã‚  Ã‚  Ã‚   Howells, was quick to attack the quality of the novel. And, as one might   Ã‚  Ã‚  Ã‚  Ã‚   expect, a few reviews (especially those of a Southern origin) were nothing   Ã‚  Ã‚  Ã‚  Ã‚   but negative. Examples of these are the Atlanta Journal, Bookman, and the   Ã‚  Ã‚  Ã‚  Ã‚   Independent. Particularly scathing is that of the Independent, a magazine   Ã‚  Ã‚  Ã‚  Ã‚   which was considered friendly to the cause of Black rights. In a series of   Ã‚  Ã‚  Ã‚  Ã‚   lette... ...things through a glass darkly, but we can   Ã‚  Ã‚  Ã‚  Ã‚   perhaps by constant iteration gradually help to undeceive them. I have   Ã‚  Ã‚  Ã‚  Ã‚   made an effort in this direction through my latest novel, The Marrow of   Ã‚  Ã‚  Ã‚  Ã‚   Tradition." And if the novel did not become the successor to Uncle Tom's   Ã‚  Ã‚  Ã‚  Ã‚   Cabin, as Chesnutt hoped, at least, in inflaming the critical community,   Ã‚  Ã‚  Ã‚  Ã‚   he achieved what he had desired: "to create sympathy throughout our   Ã‚  Ã‚  Ã‚  Ã‚   country for our cause. [...] I know I am on the weaker side in point of   Ã‚  Ã‚  Ã‚  Ã‚   popular sympathy, but I am on the stronger side in point of justice and   Ã‚  Ã‚  Ã‚  Ã‚   morality, and if I can but command the skill and the power to compel   Ã‚  Ã‚  Ã‚  Ã‚   attention, I think I will win out in the long, so far as I am personally   Ã‚  Ã‚  Ã‚  Ã‚   concerned, and will help the cause, which is vastly more important."   

Economic Issues Simulation

Health Maintenance Organizations (HMOs) have an important role to their patients and their health care providers. Castor Collins Health Care Plan was found in the year of 1999, in Pantome. This particular HMO service provide health care insurance and health care services to a variety of physicians and hospitals. This company used the capitation idea for compensation to pay its health care providers. Castor Collins is currently serving 100,000 members, throughout Pantome, and is looking for ways to increase the their numbers.I am a representative of Castor Insurance Organization. I am as well the Vice President, Strategy and Financial Planning here at Castor Collins. My responsibilities include but not limited to, interacting with new potential clients and conveying health care plans that will be benefit them. My job here is to try and maximize profit and also minimize the risk for the company. I will do an analysis that will include the demographics of the employees, the health care risk factors or potential areas of high utilization, and the premiums the company is willing to pay.I will give at least two reasons why I would either choose the Constructit or the E-editor plans. I will state the plan I would be willing to sell to my company, and provide the reasons for my choice, and why the other plans would not be beneficial to my company. In January of 2006, Castor Collins was approached by two organizations looking for health insurance. The two groups Castor Collins have to choose from are Constructit and the E-editor. Construcit have total of a 1000 people, and the E-editor consist of 1600.Neither company provide insurance for their employees at the present time. The Constructit group are willing to pay at least $4000 per person, and the E-editor is willing to pay the least possible $4500 per person. The Castor standard plan do not pre-existing medical concerns, and the Castor enhanced insurance to cover pre-existing medical concerns. The plan to be consider ed first is the Castor Standard Plan. This plan will offer prescriptions, emergency facilities, hospitalization, and ways to help for preventive health services.This pan as we stated earlier do not cover pre-existing medical concerns. The fee for this plan is at least $3,428 which is $572 less than what they were willing to pay for each employee. The second option to consider for the insurance would be the Castor Enhanced Plan. This plan do cover pre-existing medical conditions it will provide coverage to all its employees. It will still provide services to the obese employees. The cost for pre-existing conditions can be estimated at a total of $4, 428, which is slightly higher than the company was willing to pay per employee.It would only work if the company agreed to pay the higher premium in order to benefit all employees especially those with pre-existing medical conditions. The last and final option is the Castor Enhanced Minor plan. This is also a good plan because it will cov er pre-existing medical conditions as well. This plan is the only one that will allow certain services to be removed in order to make the premiums at a lower cost. By removing certain services, it will allow the total cost per employee to be under $4000. It will still cover the bare services like hearing and vision care.The Health care plan I feel would be more beneficial to the company and its employees is the last choice. The Castor Enhanced Minor plan. This plan will cover the employees with the pre-existing medical conditions, and will offer the amount they are willing to pay per employee. This plan can be accustomed to fit the needs of the company. If the company wanted to remove obesity medical services as an option they could. This will save the company money on problems that is related obesity such as hypertension and diabetes. Choosing this plan there will bea charge of $3,943, that is a slight less than $4000.Castor Hall will benefit from this. They will make 3. 9million f rom Construcit. The company have a total of 450 women and a total of 550 men. The woman ages range from 26 to 42 years of age, and the men 26 to 45. The company Constructit work duties have 32% of duties that involve heavy physical activities and 25% that will involve light to moderate physical activities. A main factor to consider when choosing which type of insurance to choose from is the level of high risk for the employees. Obesity is the main problem that is affecting their company.Obesity can cause problems such as hypertension, and heart disease. This will include more doctor visits and prescriptions that will increase the cost of health care for this company. The health problems the company will have to deal with are nearly half of the employees are obese. With total of 198 men and 192 women. That is 39% of the personnel. Blood pressure is another cause of major medical concerns at Constructit. The percentage is 19%, 88 men and 105 women. There are employees that suffer with allergy. It affects 85 women and 92 men that is 17% .Migraine are 16%, this include 93 women and 75 men. Only 13% of the personnel surprisingly suffer with Respiratory Disease. That number include 57 women and 78 men. The last medical condition the company should be concerned with since it has lower percentage of employees suffering with is digestive orders is the least at 8% with total of 32 women and 52 men. Knowing the demographics of the medical conditions of all the employees, this help to choose a plan to benefit the employees and be affordable to Constritit also, and not go over the budget of $4000 per employee.As vice President, Strategy and Financial Planning at Castor Collins, I would not choose either plan. The standard plan will not cover obesity. With the rate of 39%, that would be important to make sure my employees are in a situation to receive the medical attention they need. The Castor Enhance plan do cover pre-existing conditions, but it don’t give the poss ibility to add or remove the medical services that’s more beneficial to the employees. The services offered in this plan would increase would extend the amount the employees are willing to pay, it would not be profitable to Castor Hall.

The Affect of War on Ones Innocence - 1099 Words

The simple definition of war is a state of armed competition, conflict, or hostility between different nations or groups; however war differs drastically in the eyes of naive children or experienced soldiers. Whether one is a young boy or a soldier, war is never as easy to understand as the definition. comprehend. There will inevitably be an event or circumstance where one is befuddled by the horror of war. For a young boy, it may occur when war first breaks out in his country, such as in â€Å"Song of Becoming.† Yet, in â€Å"Dulce et Decorum Est† it took a man dying in front of a soldiers face for the soldier to realize how awful war truly is. Both â€Å"Song of Becoming† and â€Å"Dulce et Decorum Est† are poems about people experiencing the monstrosity†¦show more content†¦Time has passed since the battle, but the soldier is unable to get the image of his dying comrade out of his head, and worst of all, he knows there is nothing he can do to h elp the dying soldier. An experienced soldier like the speaker was naà ¯ve until he witnessed the horrific death of his comrade, and only then did he acknowledge the physical and mental agony war creates. The speaker questions how people can continue to call for war and urge young men to fight for personal glory and national honor. He realizes that they are innocent–they have not experienced the emotional trauma that he is going through now. This soldier was naà ¯ve as he took on the challenge of war, and like many other soldiers, it took a scarring experience and the inevitable death of a fellow soldier for the speaker to be stripped from his innocence, as he realizes that he cannot save the life of this man. He is no hero–no man fighting in war and killing other human beings is a hero. The speaker cannot control death or save lives, and this fact of war will continue to haunt his no longer innocent self. The poems â€Å"Song of Becoming† and â€Å"Dulce et Decorum est† both focus on the loss of innocence caused by death and war. War is appalling, gruesome, and shocking, no matter ones age or experience. Whether someone is a young boy or a soldier does not indicate their level of experience in war. In â€Å"Song of Becoming,†Show MoreRelatedArchetypal Critic on John Knowles’ A Separate Peace1163 Words   |  5 Pagesthe archetypes of the Fall from Innocence, the Unhealable, and the Crossroads in â€Å"A Separate Peace,† John Knowles was successful in establishing the theme for the novel which implies that the guilt which is begotten from one’s deceitful actions would remain as an irrecoverable wound overtime. The Fall from Innocence is the loss of one’s innocence, or purity as the result of maturity or newfound knowledge. 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