Insurance custom essay

1a) Imagine that you are the human resource manager of a small architectural firm.  You learn that the monthly premiums for the company?s existing health insurance policy will rise by 15 percent next year.  What can you suggest to help your company manage this rising cost? 
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2b) Why do employers provide employee benefits, rather than providing all compensation in the form of pay and letting employees buy the services they want?

Rising premiums for insurance in a small company can be detrimental to the company’s earnings. The best way around it would be promoting wellness among the employees to avert the large premiums. This could be done by introducing wellness programs for employees and even their dependants. Incentives could be offered for the ones who participate for encouragement.  Another way would be collection of health data from the employees. Then by having them do a health risk assessment, find a suitable cover. This would help target specific diseases and benefits and thus reduce the overall cost. Statistics show that between 5-15% of dependants are actually not eligible for health cover. By chopping them off with proper analysis, the rising cost could be reduced.
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There are other available consumer driven plans.  The company can begin using health reimbursement accounts or health saving accounts for their employees. Then by educating them on smart healthcare, it can go a long way into saving for the employer with benefit to employee. Cost sharing methods are quite unpopular but they could also be a good way out.

Marketing

No source please, write your own ideas.

As we continue to explore product decisions, so please keep up with the reading.  We have finished most of Chapter 7, and will return for Services later.
Click here to get this or any other assignment done for you at profoundessaywriters.com   On Monday, we will move on to New Product development and the Product Life Cycle (Chapter 8), so try to find evidence of a new product (preferably introduced within the last year) to share with the class.  Your evidence can take the form of the product itself, or a print ad, or the home page of the product website, or a photo or description of something you saw (or purchased).  It can be a new kind of product (innovation), or just a new version, modification, or new brand of an existing product.  If you have trouble finding a new product, ask around (great conversation starter).

Option A:  Product Analysis:  Find a current print ad (or TV commercial with URL) for a TANGIBLE CONSUMER GOOD.  It can be the new product you found, or any other product that catches your eye.  Please don’t use an example from the text or one already discussed in class. Answer the following questions and attach them to a copy of the ad.

1)  What is your product?  Briefly describe it, including brand name, model, features, and/or packaging.

2)  Who is the target market for your product?  And how is the product positioned–i.e., how is it meant to be perceived by the consumer, especially as differentiated from the competition?  This applies material from Chapter 6.  If you are not sure what the company intends, make an educated guess about targeting and positioning from your ad. 

3)  How would you classify this product — convenience, shopping, specialty, or unsought good?  Support your choice using explanations from Chapter 7.

Please number your answers and put them in separate paragraphs.  Keep them brief, and use them to communicate your understanding of the concepts and ability to apply them.  Use 12 point font, single spacing, double between paragraphs, and change margins or use 2-sided copying to keep to one page
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Question one.

The HP Company recently introduced a new laptop, the HP Spectre – 13 –v123tu which is among the top new models of laptops released lately. The laptop comes up with an eye-catching layout of artisan materials and an impressive and striking craftsmanship. Spectredesign is 10.4mm thin and also inbuilt with a full Intel® Core™ i5, which makes it hard to resist for anyone interested in purchasing.

Thisexclusive gadgetcomes with a well-designed CNC aluminum top, and a full-size island-style backlit keyboard deck, a carbon fiber on the bottom and 2×2 seamless wireless connectivity. More also to cool the device the design engineers used the Hyperbaric cooling technology from Intel® which is most effective in cooling performance due to the fact that it actively draws air in, other than venting the heat out.The cooling system makes the device have a great working performance combined with the dynamic power settings that adjust the consumer’s preference, which makesthe laptop have the ability to stay cool while still on high performance.

Question two.

The target market for the HP Spectre are people whose work is based on computers and most genuinely those who do not work in particularoffice, but they have to move from one point to another. Thisis because the company describes great features that a person in this type of work will certainly perceive it as the ideal gadget for him or her to work on. For example,unlike for other laptop devices which are a little bit heavy, the Spectre laptop is designed in such a way that it is much lighter and easy to carry, therefore giving easy mobility while carrying it. Another feature that would also make most people prefer this brand model device over others brands isbecause the designing company has fitted it with a hybrid battery which is the latest technology in batteries. Here by several polymer battery cells are put in different places in the device to fully maximize the battery capacity in its ultra-slim design, giving a sustainable battery power for extended periods of time after a charge.
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Project and Value Management Correlation

What is a Project? It is often stated that Value Management can only be applied to projects, therefore, knowledge of what constitute a project is fundamentally important. A construction project is an example of one the larger (financially and physically) projects which an organization or person will undertake. This discussion addresses the following questions:
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1. What is the definition of a project?

2. Is the guy in Pizza Hut making pizzas engaged in projects?

3. What about the guy restoring a classic car?

4. Or finally the guy emptying parking meters of money?

5. Do you agree that Value Management can only be applied once we have defined a project?

6. What is the difference between strategy, programmes and projects?

Project and Value Management Correlation

Introduction

A project is an enterprise that is carefully planned and designed, with fixed periods, cost and other limitations to achieve a certain purpose. The justification of any project’s existence is goal oriented, and happens in phases through specification regarding schedule, scope, and budget.

 Value management, on the other hand, is the process, in which benefits of a project are accrued and consistently appraised with the value system determined by the customers, client or other stakeholders according to Kelly et al. (2014, p. ix).
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 Daniel Linman (2010) expounds on this concept by defining it as a process of benefiting a client through results delivery, activities organization, and project balancing to get the benefits in relation to its risks and costs. According to project management knowhow, we can sum it up as a process of planning, developing and accessing a project in order to make an informed decision.

It is from these definitions that the relationship between project and value management starts to take shape. While the project finds the correlation in all aspects for a goal to be reached by the project management firms, it is the value management of the undertaking that justifies the existence of the project in the first place.

So let us find how they affect each other, and what in the business world can be defined as a project, and what undertakings cannot qualify.

Project Management review

So, which businesses can be classified as a project, or to be broader, what activities fall in this category? Can the Pizza Hut which distributes Pizza, be taken as a project?
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Environments and Their Relationship with Development of Depression

This essay should ; 

Display a systematic and sophisticated knowledge and understanding of the subject. Is extensively researched and shows a critical awareness of current issues within the field. 
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show Original argument reflecting synthetically on the issues raised . Authoritative and reflective use of supporting material.

Demonstrate a sophisticated understanding of theoretical and critical concepts which includes the ability to reflect critically.

Excellently presented and conform to all required academic conventions. Written in a style that is lucid and precise.

A deeper look at depression reveals that numerous factors may influence the development of depression in one’s early life. Depression, which is termed as a mental ailment in common parlance is one of the most pressing concerns of many societies due to the many hospitalizations that are caused by the disease. Extensive research done by scientist prove that devastating conditions causing depression majorly stem from elements of social environments which include isolation or inequality. In 2008, 8% of adolescent 12 to 17 years of age had at least one major depressive episode (MDE) during that year. The prevalence of MDEs is lowest for youth 12 to 13 years of age (5%) and highest among those 16 to 17 years of age (11%) (Burns, 2013).  As such, it is not possible to ignore that predisposition to certain circumstances is a major risk factor for depression. Risk factors are defined as those physiognomies, variables, or threats that, if present, for a given person, makes it more likely that this person, rather than someone selected at random from the general population will develop a disorder (David, 2000). As evidenced by various empirical studies, it is true to say that exposure to certain environments in early life can heighten the risk of developing depression.

            Urban environments are a high-risk factor that increases the risk for development of depression at the beginning of life. Empirical studies conducted by a group of scholars led by Helen Fisher, who is a psychologist at King’s College London and a psychologist at Duke University, called Candice Odgers reveals that growing in the city nearly doubles the likelihood of psychotic symptoms at age 12 (Kwon, 2016). The research involved 2232 twin children living in the United Kingdom. Half the children under study lived in urban centers at the age of 5 to 12. An interview to determine whether children at the age of 12 had developed hallucination or delusions was done.   
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          The research discovered that children at the age 12 who have been brought up in urban centers are more likely to exhibit psychotic symptoms. There are various risk factors in urban centers that result in the development of depression at an early age. The research identifies that exposure to crime in cities and little social cohesion among people living together in the towns are the major risk factors that lead to the development of depression among twin children under survey. Although most kids who have psychotic symptoms will not develop schizophrenia as adults, Fisher notes that in some of the other studies where they followed people later in life, psychotic symptoms exhibited relate to other mental health problems such a depression, post-traumatic stress disorder, and substance abuse.

Exculiber and the Knights of the Round Table Movie Review

Exculiber and the Knights of the Round Table Movie Review
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            In regards to the title, this film follows the travel of the legendary sword referred to as the Excalibur. Arthur removes the sword from a stone after a long years rest where his father, Uther placed it. In turn, Arthur uses the sword to establish the great knights of the round table, the great court of Camelot, and also to defeat the evil invaders. Although Arthur also managed to unify the country, as a flawed monarch, he as well faced greater challenges ahead in pursuit of the nation’s survival, the holy grail, and love (Mullarkey 15).  

 A British fantasy, adventure, romance and a dramatic movie that was written, produced and directed by John Boorman and was centered to retell the story of a legend known as King Arthur and the Knights of the round table. The film was shot in Ireland and has seen many reviews and critics.  On 10th April 1981; the movie was first released in the USA. The cast of the film includes; Nigel Terry playing the role of King Arthur. He is the star in the movie, and almost everything revolves around him. He becomes the king after removing the sword from the stone where his father, King Uther had fixed it. Morgan is King Arthur’s sister, Merlin is the witch, who escapes with Arthur when young and practices sorcery. Guenevere is Arthur’s queen and  Lancelot, other characters are, Igrayne, Uther Pendragon, Cornwall, Mordred amongst other characters.

In regards to the film, the supernatural is perceived as a way of portraying people’s each day reality, which may not be the whole story. Ideally, Excalibur is set between two worlds. These includes a lighter world where political unity and technology are beginning to arise and the second is a fragmented world of mysterious powers and dark magic. From the first parts of the film, the human life is portrayed to begin naturally from the grass, the dark trees in the forest. The knights wore armor that was similar to the leathery hides of dinosaurs. Nonetheless, the setting changes when aArthur inherits the kingdom and the sword and creates the Round Table. This is portrayed where the armor of the knights become shining and bright. It also depicted the transformation of the world of nature to an artifice world.

The movie is written in English language and produced and distributed by the Orion Pictures. The running time for Excalibur is 140 minutes or 2 hours and 20 minutes .excalibur is rated as PG or R meaning parental guidance is advised and those below 17 years should be advised not to watch it. The movie contains scenes of nudity, violence, and gore, profanity, scary scenes and also alcohol and wine.
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The Salt Satyagraha Pilgrimage of India

No source please, write your own ideas.

Assignment: Choose ONE pilgrim and reflect on their pilgrimage. What is their background? What were the difficulties? What were emotional moments? How did they experience their pilgrimage as a whole?

The Salt Satyagraha Pilgrimage of India

            The Salt Satyagraha is one of the world’s famous pilgrimage. The pilgrimage which was led by the renowned Mahatma Gandhi was a pilgrimage of 78 followers. The pilgrimage lasted from March 12 to April 5 and thus became a major historical event that marked resistance to British rule in India. This pilgrimage took place in the year 1930. The pilgrimage covered 248 miles, an equivalent of 400 kilometers. There were many experiences, difficulties and emotional moments experienced through the pilgrimage that made it a historical record.

            The background of this pilgrimage can be attributed to the British Colonial rule in India. The major factor that orchestrated the march was British Salt Tax. The march was done as a means of nonviolent protest against British Salt Tax. The British Salt’s Act prohibited Indians from collecting or selling salt which was an important staple in theIndian diet. The British also had monopoly power over the manufacture of salt and thus levied huge taxes on the sale of salt to Indians.  The pilgrimage was a defiance move by the Indians against the British Salt Tax. Many Indians followed Gandhi as from his religious retreat near Ahmedabad to the Arabian Sea Coast, which is a distance of around 240 miles.

            One of the main difficulties encountered during this pilgrimage was hostility by the police. Gandhi’s intentions were to work on salt flats on the beach encrusted with crystallized salt at very high tide. The police had gone ahead of him and crashed the salt deposits into the mud.  In addition to that, since the pilgrimage attracted participation by thousands of Indians, approximately 60,000 Indians were arrested. Gandhi who was the leader of the Pilgrimage was arrested on the 5th of May although the Satyagraha continued without him. Apart from that, many people were mercilessly beaten and harassed by the police. This Harassment by the police the first emotional moments of the pilgrimage and as a result of the many recordings that had been taken, there was an International outcry against British Policy in India.
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Utilitarianism – Trolley Problem

Please read “Utilitarianism” which linked below.

Answer the following question in a short paper of about two pages (550 words)
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Do you think that a utilitarian would recommend pushing the man in front of the Trolley car in order to save two lives?  Why or why not?

(For reference, here is the relevant version of the trolley problem:  https://en.wikipedia.org/wiki/Trolley_problem#The_fat_man)

Utilitarianism – Trolley Problem 

            Utility being the state of being of beneficial or useful, the ethical dilemma arises when someone’s action are considered to be right if and only if they are helpful and for the benefit of the majority. The question arises, should we harm the minority to benefit the majority? If we opt to pull the fat man into the railway to stop the trolley, are not we harming the one person to achieve the greatest happiness principle of saving the five people on the main track? The preceding chapters will demystify the trolley problem from an utilitarianism point of view.

            An ordinary person will not push the fat man into the railway track to stop the trolley because that will be intending harm to the fat man instead he foresees the dying of the five people as unfortunate. Conversely, the doctrine of double effects puts constraints on intending evil.  The doctrine states that there is a moral constraint on intending evil when the evil will be a means of greater good, (LaFollette and Persson). A utilitarian will push the fat man into the trolley, since by doing so; he or she will be saving the lives of five people despite losing one. In the end, a utilitarian always achieves the greatest happiness principle.

            On the other hand, the concept of doing harm versus allowing harm, also informs how the utilitarian would address the trolley problem. Arguably, doing harm to someone is worse than just allowing harm to the same person. By pushing the fat man into the railway track he or she is doing harm to the fat man, rather than allowing harm to five people in the main railway track. The dilemma arises when the main objective of a utilitarian is to have a greater good at the end. To achieve this, a utilitarian will do what might be considered morally wrong. That is, doing harm instead of allowing harm.  So that he or she maximizes the greatest outcome of the trolley problem which is to save most lives.             A different point of view to look at the trolley problem is evaluating it on the point of introducing versus re-directing harm. By pushing the fat man, the utilitarian will be introducing a new threat to the new man, while re-directing the harm from the five people to the fat man simultaneously. It will be wrong to redirect a harm to kill more people instead of introducing a new threat that will reduce the effect of the harm that the prior threat would have caused. In the event of pushing the fat man, the utilitarian is introducing a new threat, whose greatest outcome will be a loss of one life and saving five. On the other hand, if the utilitarian directed that harm to the five people, then the loss of lives will be five which does not achieve the greatest happiness principle.  
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Cultural Attributes of Greece

1.         Analyzes your country( our country is Greece) based on the five cultural attributes I presented during the lecture on Cultural Diversity.  These attributes include individualism-collectivism, power distance, uncertainty avoidance, direct and indirect communication, and task focus versus relationship focus. 
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2.         Explains the origins or bases of the cultural attributes based on the country?s history, or government, language, religion, geography, societal norms and business environment.  Note:  You need not have an example of history or government or geography for the origin of each of the cultural attributes, but you should identify more than one factor that is the bases for each cultural attribute.  

For example, you may argue how Russia?s long history of totalitarian government and hierarchical Russian Orthodox religionhas led to a society with high power distance.

3.         Explains how your country?s cultural attributes are different from the cultural attributes in the United States.  Identifies the biggest challenges for a U.S. businessperson when trying to adapt to the culture of your country and discuss how to address this challenge.
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4.         Includes appropriate citations from your research that support your analysis and conclusions. 

5.      Our country is Greece

Cultural Attributes of Greece

            Culture is the beliefs, values, behavior and attitude that citizens of a particular country (or people within a geographical area) hold. Different countries have different cultures. Culture plays a significant role in determining the day to day life of people in a country. Furthermore, it determines how the citizens will perceive and interpret new ideas from other areas and also how new people in that country that have a different culture cope up with the new culture. Some attributes of culture play an imperative role in marketing while others are digressive depending on the nature and form of marketing. It is key for foreigners to understand the cultural attributes of Greece before entering the market, this will affect how they will operate their business precisely in marketing. On the other hand, cultural attributes affect the work values of an organization in a country when an organization has different cultural attributes than the foreign country. The following chapters will concentrate on cultural attributes of Greece (individualism-collectivism, power distance, uncertainty avoidance, direct and direct communication, task focus versus relationship focus) their origin and difference in culture attributes with other countries.

            Individualism is the ideology in a society that the needs of an individual are important that the values of a society or a group of people. In contrast, collectivism is the idea or a principle whereby, the needs of a society or a group of people are given priority over those of an individual. Elaborately, individualism emphasizes more on the self while collectiveness focuses more on group membership. Hofstede classified Greece as a collectivistic, high uncertainty avoidance society with relative long-term orientation and high power distance, (Phan and Butler 218). However, the level of collectivism in Greece is lower in comparison to other countries in Asia. Other, scholars also say that Greece as a little bit of individualism coexisting together with collectivism. Greece’s individualism places around the middle, 30th among the 53 countries in Hofstede’s (1980) study, (Kessler and Wong-MingJi 123). Some of the factors that promote collectivism in Greece are: the citizens are loyal and protective of each other and guard each other against “lost face.” Moreover, Greeks tend to put more value on group harmony and unity than individual success; this goes hand in hand with group achievement is considered to be of more value than personal goals.
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Science letter

What is this assignment about?

The economy, national security, and health care have been the primary focus of politic debates to date, but many of the solutions to those challenges are rooted in science, technology, and innovation. It is time to bring science and the scientific process to the forefront of our politic consciousness. 
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What do you have to write?

You will write a letter, in the form of a persuasive essay, to your locally elected official, about a scientific issue that affects you and your community.  You may write to any elected official in the city, state, or federal level. Tell him or her about your position on the topic and convince the elected official to support you through legislation.

How should I write the letter?

  1. Choose a position: you should think about the issue and pick the side you wish to advocate. 
  2. Understand the audience. In order to write an effective persuasive letter, you must understand the perspective of the politician you are writing to. Is he or she undecided or inclined to favor one side or the other? 
  3. Do the research. You will need solid, convincing evidence. Don’t rely on a single source. Go to the library and enlist the help of the librarian. There is no substitute for knowledge of both sides of the issue.
  4. Identify the most convincing evidence, as well as the key points for the opposing view.
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What is the structure/outline of the letter?

  1. Introductory Paragraph
  2. Grab the reader’s attention by using a “hook.”
  3. Give an overview of the argument.
  4. Close with a statement that reveals the position to be argued.
  • Body Paragraphs
  • Each body paragraph should focus on one piece of evidence.
  • Within each paragraph, provide sufficient supporting detail.
  • Provide 2-3 pieces of evidence to support your position
  • Opposing View Paragraph
  • Describe and then refute the key points of the opposing view.
  • Political Action Paragraph
  • Proposes 2-3 courses of action this elected official can pursue to address the scientific issue you have discussed.
  • Possible actions include: new legislation, repeal of current legislation, additional funding, support for more research, etc.
  • Concluding Paragraph
  • Restate and reinforce your statement and supporting evidence.

What is the goal of this assignment?

At the end of this assignment, you should have:

  1. Identified a scientific issue or problem that you feel has a large impact on your community.
  2. Learned how to use the library’s digital resources to research academic and editorial journals.
  3. Learned how to cite resources.
  4. Learned how to write persuasive essay to present arguments and counter-arguments.
  5. Learned how to incorporate visual elements, such as data tables, graphs, and pictures to enhance your presentation.
  6. Learned how an elected official can exercise his or her political powers to enact change.
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Exposure to Certain Environments and Their Relationship with Development of Depression

Display a systematic and sophisticated knowledge and understanding of the subject. Is extensively researched and shows a critical awareness of current issues within the field. 
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show Original argument reflecting synthetically on the issues raised . Authoritative and reflective use of supporting material.

Demonstrate a sophisticated understanding of theoretical and critical concepts which includes the ability to reflect critically.

Excellently presented and conform to all required academic conventions. Written in a style that is lucid and precise

Exposure to Certain Environments and Their Relationship with Development of Depression
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A deeper look at depression reveals that numerous factors may influence the development of depression in one’s early life. Depression, which is termed as a mental ailment in common parlance is one of the most pressing concerns of many societies due to the many hospitalizations that are caused by the disease. Extensive research done by scientist prove that devastating conditions causing depression majorly stem from elements of social environments which include isolation or inequality. In 2008, 8% of adolescent 12 to 17 years of age had at least one major depressive episode (MDE) during that year. The prevalence of MDEs is lowest for youth 12 to 13 years of age (5%) and highest among those 16 to 17 years of age (11%) (Burns, 2013).  As such, it is not possible to ignore that predisposition to certain circumstances is a major risk factor for depression. Risk factors are defined as those physiognomies, variables, or threats that, if present, for a given person, makes it more likely that this person, rather than someone selected at random from the general population will develop a disorder (David, 2000). As evidenced by various empirical studies, it is true to say that exposure to certain environments in early life can heighten the risk of developing depression.

            Urban environments are a high-risk factor that increases the risk for development of depression at the beginning of life. Empirical studies conducted by a group of scholars led by Helen Fisher, who is a psychologist at King’s College London and a psychologist at Duke University, called Candice Odgers reveals that growing in the city nearly doubles the likelihood of psychotic symptoms at age 12 (Kwon, 2016). The research involved 2232 twin children living in the United Kingdom. Half the children under study lived in urban centers at the age of 5 to 12. An interview to determine whether children at the age of 12 had developed hallucination or delusions was done.

            The research discovered that children at the age 12 who have been brought up in urban centers are more likely to exhibit psychotic symptoms. There are various risk factors in urban centers that result in the development of depression at an early age. The research identifies that exposure to crime in cities and little social cohesion among people living together in the towns are the major risk factors that lead to the development of depression among twin children under survey. Although most kids who have psychotic symptoms will not develop schizophrenia as adults, Fisher notes that in some of the other studies where they followed people later in life, psychotic symptoms exhibited relate to other mental health problems such a depression, post-traumatic stress disorder, and substance abuse. (Kwon, 2016). As such, a current meta-analysis reveals that, since half of the world’s population lives in urban centers, there is a twenty percent likelihood for city dwellers to have anxiety and a four percent likelihood that they suffer mood disorders. These are mental conditions that are highly associated with depression.
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