...Indemnity plans are based on a “fee for service” system because patients are allowed the freedom to receive services from any hospital, doctor, and/or medical service (Three Types of Health Insurance: Indemnity, Managed Care, Health Savings Accounts). Indemnity plans have been utilized the longer than any of the other plans. However, one of the cons of the plan is that there is no cap on costs that may be incurred to the patient in any given period (Williams, 2008). Health savings accounts give patients to ability to save for future medical costs and/or pay for medical expenses being incurred in the present. Health savings accounts are tax free and composed of two parts: insurance and savings (Three Types of Health Insurance: Indemnity, Managed Care, Health Savings Accounts). Describe the three methods for categorizing health insurance in the U.S. The three methods for categorizing health care are as follows: true insurance against illness, organization sponsoring coverage, and funding mechanism. When utilizing true insurance a combination of products, including basic employee benefits and disability insurance are used (Williams, 2008). The second method of categorizing healthcare depends on how the organization sponsoring the coverage is categorized. There are between...
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...salary for teaching abroad 6 Pros and cons of teaching abroad…………………………………………………………6 Career as an accountant 7 Path to becoming an accountant 8 Potential salary for accountants 8 Pros and Cons of Accounting……………..………………………………………………..8 Career choice …………………………………………………………………………………………9 Conclusion and Recommendation…………………………………………………….10 Reference………….…………………………………………………………………………….11 April 21, 2014 Susan Williams DeVry University Subject: Career choice for Susan Williams INTRODUCTION In the United States students often graduate with an idea of the career path they will go down. There are some students who have no idea what direction or career path they are going to take once they have received their diploma. There are some who change the course of their career path they have been educated for in mid-stream or after graduating from college. I have a student, Susan Williams who wants to travel and use her degree at the same time. Her degree is in Business Administration with a concentration in accounting. The student wants to travel and teach children because that is where her real passion is. Although she can possibly use her business administration/accounting and travel, teaching children is on the other end of the spectrum in comparison to her education. I don’t think she would enjoy her travels or teaching as much if she did both. Purpose The purpose of this report is to determine the career path for Ms. Williams. Teaching is a great career and...
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...Financing and Structuring Health Care Nicole Bryant Kevin Williams Health Services Organization and Management HSA 500 Fall 2010 October 31, 2010 1) Identify and describe at least three main types of health insurance in the U.S. The main types of health insurance are voluntary health insurance, social health insurance, and welfare medicine. In voluntary insurance or private health insurance in the United States can be subdivided in to three distinct categories: (1) Blue Cross and Blue Shield, (2) private or commercial insurance companies, and (3) health maintenance organizations. Nowadays, it is common for Blues and commercials to own and operate HMOs and other managed care plans. Social Health Insurance has two major mandatory social health insurance programs: (1) Workers’ Compensation for the costs and pain of suffering job-related accidents, and (2) Medicare for the elderly, disabled, and other special groups. Several states sponsor social insurance programs in the areas of temporary disability (California) or health insurance (Hawaii and Vermont). Workers’ Compensation provides two basic benefits: (1) cash replacement of a portion of wages lost due to disability and (2) payment for all or part of the medical care necessary. Welfare Medicine is a public assistance that is sponsored by a plethora of federal, state, and local government programs, but the most far-reaching program is Medicaid (Title XIX of the Social Security Act). The distinction between...
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...planned to introduce a legislation calling for the draft reinstatement. If a military draft is reinstated, everyone, no matter what social class the person is, will have to do his or her part in the defense of our country. Of course there are people who oppose the military draft by saying that it is not very democratic and that it violates the freedom this country is know for fighting for. Congressman Rangel said, “There's no question in my mind that this president and this administration would never have invaded Iraq, especially on the flimsy evidence that was presented to the Congress, if indeed we had a draft and members of Congress and the administration thought that their kids from their communities would be placed in harm's way” (Williams, par. 1). Whether the military draft should or should not be reinstated is an ongoing debate that will never end. Many people believe that a compulsory draft violates one's personal freedom. Although some proponents of the military draft claim that anyone living in a society owes the society his liberty, and he should therefore be obligated to fight to preserve it. Opponents argue that a draft forces you to give up that liberty. Also, people who oppose the draft say that a compulsory draft encourages unpopular wars. There are many volunteers for wars backed by public support, but unpopular wars sometimes require a military draft. Opponents of the draft contend that conscription enables rulers to fight wars more often and more carelessly...
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...families and communities in both financial and psychological ways. It also affects the companies where such incidents take place in multiple ways. It can lead to loss of morale between employees, and can lead to financial losses by the company for compensation to the affected parties. Most importantly, it sometimes has serious legal repercussions, as in the case of the lawsuit against Lockheed Martin in the aftermath of the Doug Williams shooting incident. So what can be done to prevent or reduce the prevalence of workplace violence? Possible Soultions: 1) Installing metal detectors in the workplace. 2) Employee screening process during the hiring process to avoid hiring at-risk individuals 3) Early detection and warning system coupled with psychiatric advisors for employees. Solution Details: 1) Installing metal detectors in the workplace. Explanation: Installing metal detectors at the entrances of the offices or factories Pros: Would prevent the entrance of guns or other weapons that can be used to commit violence. Cons: Does not take into account the possibility that ordinary items...
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...Jones Blair Case Analysis 1) How might the architectural paint industry be characterized? a) The US paint industry b) Architectural paint industry 2) How might the JB market area be characterized? 3) How can this market be segmented? 4) Which market to pursue? a) Non-DFW Household, a high potential for growth b) Urban professional, wants high quality paints c) Non-DFW Professional, already dominant d) Urban Household, very price- sensitive 5) What competitive position does Jones Blair have in its market? 6) What strategy should JB adopt to reach the segment sought? a) Spend additional $350,000 on corporate advertising Pros Cons b) Cut price by 20% Pros Cons c) Hire one additional sales representative Pros Cons d) Do Nothing (Status Quo) Pros Cons 7) Recommendations 1) How might the architectural paint industry be characterized? a) The US paint industry In all of the United States, paint is without a doubt, one of the most respected industries of its kind growing at a rate so fast, that it outweighs any other. It reached a maximum of 13 billion dollars in sales in 1995. The paint industry is divided into 3 unique segments; architectural, original equipment, and special purpose with each having its own unique percentage. Wholesalers and retailers sell architectural coatings which are more formerly known to the consumer as general purpose paints, varnishes, and lacquers which are used on almost every kind of structure...
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...Employee Surplus Agenda Introduction Problem Alternatives Implementation Timeline Problem Decrease in sales revenue Abundance of qualified employee Possible Solutions Reduce Hours Hiring Freeze Voluntary Separation Reduction in Force (RIF) Reduce Work Hours- Pros Reduces labor cost Able to retain all qualified employees Easy to introduce Reduce Work Hours- Con May reduce employee motivation Skilled employees may leave company Lowers productivity Hiring Freeze - Pros Encourages personal skill building Protects current employees from layoffs No additional company expense Hiring Freeze - Cons Reduces possible future productivity Reluctant employees lack of enthusiasm Does not reduce compensation cost Voluntary Separation- Pros Attractive separation package Reduces long term payroll cost Less disgruntled employees Minimize legal risk Voluntary Separation- Cons Increased short term cost Qualified employees may leave Must fill vacant positions RIF - Pros Reduces long term employee cost Able to focus on most profitable line of business Reduces short term payroll cost RIF - Cons Bad publication Does not increase revenue Possible legal risk Best Solution - Combination Step One – Implement hiring freeze Step Two – Offer voluntary separation Step Three – Downsize (if necessary) Month One - Preparation Determine the desired number of employees needed...
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...Memorandum From: 207898 To: Steven Clinton Date: June 24, 2013 Re: Jones-Blair Company Recommendation: Jones-Blair Company should continue doing what they are doing, and keep the cost structure the same. Problem Statement: Should Jones-Blair Company, a privately held corporation that produces and markets architectural paint; increase marketing efforts in the South West of the United States by spending an extra $350,000 in corporate brand advertising, cutting prices by 20%, hiring one additional sales representative, or doing nothing? Facts: 1. U.S. Paint Industry * The architectural coatings have a projected growth rate of 1-2% each year, and are considered a mature market. * Estimated sales of paint in 2004 were $16 billion. * Architectural paint coatings and sundries were $12 billion plus in 2004. 2. Market Segments * Two major segments in the paint industry are do-it-yourselfers (DIY), and professional painters. * DIY * Roughly 50% of architectural coatings are from DIY painters. * Buyers view paint as paint and search for the lowest price. * Professional painters * 25% of architectural coatings came from professional painters * Seek quality products. * Seek retailers who will put in the extra effort for them. * Expect to work with knowledgeable employees when dealing with their paint. * Other * 25% of sales as a result of government...
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...I. Market/Situation Analysis a. Janmar Coating, Inc. produces and markets a full line of architectural paint and sundries (brushes, rollers, paint removers, and thinners) under the Janmar brand name. b. Market Condition - In 2004 Industry sources estimated that the market for architectural coating had matured and had projected long term sales growth not to surpass 2 percent per year. c. Competitors - Janmar competitors account for 60 percent of sales in architectural coating, which included subdivisions of Sherwin-Williams, Benjamin Moore, Glidden unit of Imperial Chemicals, PPG Industries, Valspar Corporation, Grow Group, and Pratt & Lambert. Architectural coating also faces competition from alternative material like aluminum, vinyl siding, and wood panels. With the increase cost of research and development (R&D) and slow sales growth companies within the paint industry are making mergers and acquisitions to support increasing cost. d. Government - Facing pressure to reduce emission of volatile organic compounds (VOC’s), paint manufactures have to limit the consumption of solvents. The Environmental Projection Agency (EPA) adopted a three-step plan for the reduction of VOCs in architectural coating. Phase one is to reduce 25 percent of VOC’s from base year of 1990, phase two 35 percent in 2000, and finally in phase three, 45 percent by 2003. II. Key Problem a. Key Issue - Janmar’s Executive Board is having a difficult time deciding how and where to implement a...
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...Jones Blair Company Case Synopsis Jones Blair Company (JBC) is a privately held corporation that produces and markets architectural paint and primarily serves the Southwestern part of United States. The company markets its paint and sundry items in more than 50 counties in Texas, Oklahoma, Louisiana, and New Mexico. Headquarter for the company is located in Dallas, Texas where it does most of it business. The Dallas-Fort Worth (DFW) metropolitan area is the major source of business as well as the financial center in the southwestern service area. JBC mainly target do-it-yourself customers who make up 50% of their sales and professional painters who make 25% of sales. The company sells top quality architectural paint and accessories at the highest price to various markets. They also sell original equipment manufacturing (OEM) materials throughout the U.S and worldwide. Though JBC’s sales have increased on annual basis the sales volume remained same. And since the competition in the industry has increased over the years the company fear facing a plateau in price. The company is also facing a major dilemma and must maintain their growth and profit margin, but in order to do so they have to increase their sales in a mature market. Therefore, the company has to decide what market to target (Southwestern part like Dallas Forth-Worth or surrounding areas), who to target (do-it yourselfers or professionals), and how in order to expand their brand and market share. This case will examine...
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...Pageants: A Source for Strong, Productive Young Women Catina Burrell Columbia Southern University Abstract The pageant circuit has been surrounded with a lot of interest and debate since TLC’s Toddlers and Tiaras hit the airwaves, sporting fake hair and flippers! People of all ages, races, and backgrounds are debating the effects pageants are having on our children and society as a whole. Why has the issue of pageants sparked so much debate? Why it is that child activists and psychologists are so concerned for the children who enter pageants? And lastly, are pageants really that bad? There are many articles, blogs and papers that have written on this topic. This paper seeks to answer a few of the many questions surrounding pageantry. The paper brings light to the many “types” of pageant and further seeks to explain the benefits of pageantry; giving the reader a clear idea of what actually goes on in the world of pageantry. Pageants: A Source for Strong, Productive Young Women My experience with pageants is that of both a contestant and a “pageant mom.” I began competing in pageants at the age of 14. I do not come from a pageant family; my mother knew absolutely nothing about pageants and only allowed me to enter because I wouldn’t stop asking. I won the very first pageant I entered and I was hooked after that. Many pageants later, I had gained several crowns, trophies and prizes, but most importantly I had gained a heightened level of self-esteem and confidence. As...
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...Restaurant William Mendoza DeVry University Professor Jeffrey Belding ENGL-135-64129 Asian City Chinese & Japanese Restaurant This page begins your evaluation. Before you start typing, fix your format. The font should be 12. If you’re using MS Word 2007, go to Paragraph above; the alignment for all text should be left except for the title above, which is centered. Also in Paragraph, go to Line Spacing and click on “double,” and spacing before and after should be 0 pt. In Page Layout, check that the margins are “Normal,” which is 1 inch all around. Then put your introductory sentences here. Be sure you’re giving the background or context in several developed sentences. Do not attempt to prove the thesis statement in these sentences; don’t have obvious ideas. Prove the thesis below it, not above it. If appropriate, provide a bridge from the introductory sentences to the thesis. Then put your thesis statement here; the thesis must include your subject and three criteria or standards you’re going to use to assess your subject. The topic sentence for paragraph number two belongs right here; it simply identifies the first criteria that can also be found in the thesis statement above. Then discuss the strengths or pro aspects of your subject. Don’t just write the strengths; explain why they are strengths. Consider using both Capital Letters and numbers; analyze the ideas. Then, after using a transitional phrase such as “on the other hand,” discuss the weaknesses or con aspects...
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... JULIUS AKINGBEHIN JANUARY 28, 2012 INTRODUCTION For more than seven decades, the United States healthcare system has improve significantly, compared to century ago and more has been done in terms of providing good healthcare an an antidotes to many disease process, this has been able to achieve due to the new healthcare technologies to tackle many diseases that were affecting citizens. In this modern day, it is apparently clear that the healthcare is one of the largest employer of labor according to the text (Williams and torrens, 2010) introduction to health services organization and management. The United States federal government have spent significant amount since the advent of Medicare in the country, in the late 1960s to date and this has rapidly grown to date. 1 – Identify and describe the three main types of health insurance in the U.S. The three main types of health insurance available in the U.S. today are voluntary health insurance, social health insurance and welfare medicine. Voluntary health insurance is subdivided into three categories. The first is Blue Cross Blue Shield which began as separate companies. Blue Cross began in 1929 and Blue Shield dates back to 1939, they joined each other in operation in 1982. Blue Cross Insurance...
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...Pros and Cons of being a young adult manager In the Retail Industry Presented To: Mr. Perry Barton Principle of Management MGMT 1100 By: Hillary D. Wooden Date: October 8, 2012 In the retail industry there are many different managers with different personalities. When you think of managers in the retail industry, you picture an older adult that has worked with the company for 20-30 years. Companies now have seen that having older adults is more of a liability than an asset. Having older adults as managers can have some pros but sometimes there are cons. After talking to different managers within my company, I have came to the conclusion that many companies are looking into hiring younger adults to fill their manager positions and younger workers to fill associates positions. After doing my research and talking to different managers within my company I have come up with different pros and cons of being a young adult manager in the retail industry. Pros of being a young adult manager in the retail industry are having good planning, leading, human, and technical skills. Cons of being a young adult manager in the retail industry are being less organized, less controlling, non-conceptual, and sometimes lacking motivation to manage skills. In the following paper I will be discussing in more detail the reasons for these pros and cons. One of the first pros of being a young...
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...Interoffice Memo Date: 7/2/2013 To: Ronald Burns From: 001-78-2434 Subject: JanMar’s Coatings, Inc. Recommendation Company’s Situation The problem that we discussed in our last board meeting dealt with deciding where and how to execute corporate marketing efforts for the year 2005 among the various architectural paint coatings market in the southwestern United States. Industry Background The architectural coatings industry is a mature market that estimates to be a $12 billion dollar industry with 1 to 2 percent annual growth rate which accounts for 43 percent of the total industry dollar sales. About 50 percent of architectural coatings dollar sales are brought in by do-it-yourself (DIY) painters’ purchases. Professional painters’ purchases are accounted for about 25 percent of the dollar sales. The rest comes from the government, export, and contractor sales. Furthermore, there are three main types of distributors: mass merchandisers and home improvement centers (50%), special paint stores (36%), and hardware stores and lumberyards (14%). Company Background Our company markets to over 50 counties in Texas, Oklahoma, New Mexico, and Louisiana from its headquarters in Dallas, Texas. The major service area is in the 11 county Dallas-Fort Worth (DFW) metropolitan area. Our company is made up of two market segment areas, Dallas Fort Worth and Non-Dallas Fort Worth. The sales volume of architectural paint and products sold in our company’s 50 county service areas was $80...
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