The Nepalese Business Environment Essay Example

The Nepalese Business Environment Essay Example The Nepalese Business Environment Paper The Nepalese Business Environment Paper Internal environment includes infrastructure, physical asset, human resources, organization Structure, technology, work system etc. T is located inside the business organization and it is controlled by the business. It provides strength and weakness to the business. External environment includes outer environment I: e social, economical, political, legal and competitive forces. It provides opportunity and threats to business. So, they are both interrelated and interconnected. It operates in a dynamic environment. According to Keith Davis, Business environment is the aggregate of all conditions, events and influences that surround and affect it Thus, Business environment is the combination of internal and external ores and condition prevalent inside and outside the boundaries of a firm. Business environment consist of the forces and conditions outside the boundaries of a firm. These forces changes overtime and thus present the firm with opportunities and threats that influences its ability to carry out its operation efficiency to attain its objectives. Complex: Business environment is a complex due to its unpredictability. It consists of interacting events, condition, influences arising from varied sources. Dynamic: Business environment is dynamic. It is continuously changing in shape and character. Multifaceted: Business environment is multifaceted. Different observer may view a particular change in the environment differently. The same development may be taken by someone as opportunity and by other threats. Far reaching: The change in environment has far reaching impact in the business. The growth, profitability and competitiveness Of the business depend on the existing business environment. Importance of business environment It is essential for the business manager have a profound knowledge about environment surrounding to business to make managerial and business decision. 1 . Comprehensive strategy formulation: business firms have to formulate broad strategies and long term policies for their continuous existence. An assessment of environmental component enables a manager to formulate business strategy and policy. The assessment can be done through STOW analysis. 2. Competitive analysis: business should regularly analyze the strength and weakness Of competitors and formulate strategies accordingly in Order to retain its superiority in the market. The study of business environment facilitates to formulates effective measures to analyses the strategies of the mediators and face them. 3. Adaptability: the foremost concern of any business firm is to adjust with the emerging environmental forces. As a result of environmental analysis, the managers are able to adopt the prevailing condition and thus to adopt the prevailing condition and thus influence the environment in order to make it congenial or less harmful to their business. 4. Stability: the study of environment enables the firms to foresee the impact of the socio economic and political changes taking place at the national and international levels on their stability. They can develop actions Lana to cope with such change to maintain stability. 5. Dynamism: the firm should change and mould itself with the changing environment. The knowledge of business environment enables the manager to be well acquainted with the changing business scenario and take proper steps to keep the firm up-to-date. Component of business environment Internal environment: Internal environment also called micro environment consist of condition and forces within the business organization that affects its performance and outcomes. ; Goals, policies, and strategies: goals are the desired outcomes and present and result. Policies are guidelines for business decision making and future courses of action. Strategies are the broad action plan. They mean to achieve goal. ; Culture: culture encompasses shared, norms, values and beliefs that guide member in organization. Culture means the assumption that member of an organization share in common. ; Organizational resources: resources can be physical, financial, human and information. , modern business organization required large amount of quality information. The acquisition, storage, analysis is very important for increasing business effectiveness. The development in information technology has greatly facilitated business activity. ; Organizational structure: structure is the designed of job position and relationship. It defines how job is formally divided, grouped and coordinated. External environment: External environment is composed with the outside condition and forces that influenced performance and outcomes. It is located outside the business organization and cannot be controlled by the effort of business organization. The external environment of business is defined as opportunity and threats. The external environment can also be divided into: a) general b) task ) General environment: it is also subdivided into following components I) Economic environment: the state of economic environment determines the general health and well being of the organization. Economic environment refers to all economic surrounding that influence the business activity. Economic system, economic policies, economic condition and reasonable economic groups are the component of economic environment of business. Economic system may be: ; Free market economy: it is based on private sector ownership. Consumer choice or purchase under a market system decide what we produce and by whom. Consumers have freedom of choice. The economic is not planned, controlled, and regulated by the government. ; Centrally market economy: it is based on public sector ownership. The economy is centrally planned, controlled, regulated by the government. Profit is not in aim. The state planner determines the number and types of commodities to be produce, their distribution and prices. ; Mixed economy: mixed economy co-exist both public and private sector. Economic policies: economic policies are monetary policy concerned with money supply, interest rate, creditability, exchange rate etc. Sisal policies are concerned with the use of taxation and government expenditure to regulate the level of economic activities. Industrial policies concerned with industrial licensing location, incentives, facilities, foreign investment, technology transfer etc. Economic condition: it is also components of economic environment which is determined by the factor like level and distribution of income, different business cycle, inflation, stage of economic development etc. Regional economic groups: it removes tariff and other restriction to promote co operation and free trade among member countries such as SCARCE, OPEC, ASIAN, IF, WTFO etc 2) Political environment: the component of political system, political institution, political philosophy. ; Political system consists of ideological forces, political parties, election procedures and power centers. ; Political institution consist of law, executive judge. ; Political philosophy can be democratic, totalitarian or mix of both. ) Legal environment: the legal environment forces that influences business law, court Of law and law Of administrator. ; Business law consists of an array of a business law that regulates business activity. Court of law: institution establish by law to solve legal disputes. ; Law of administration: law administer are the various law and enforces of agency which ensure agency which ensures implementation of law and the judgment of the court of law. 4) socio- cultural environment: s ocio environment of business refers to all the social surroundings that influence business. Socio environment is made up with the components such as demographic, socio institutions, pressure groups and social groups. ; Demographic forces: demographics forces consist of size, distribution, insist and growth of population, age and gender, mix of population, arbitration of population and migration of population. ; Social institution: Social institution consists of family ,reference groups( relative, colleges etc) and social class ; Pressure groups: pressure groups are the special interest groups organized to use the political process to advance their position earn and issue of social concern. Social change: social change implies modification in relationship and behavior pattern of individual and group in society. Cultural environment of the business refers to all the cultures surrounding hat influences business activities. It includes knowledge, customs, traditions, morals, values, religions, languages, symbols, works of arts and architecture and accepted behavior pattern of p eople. 5) Technological environment: technological environment refers to all the technical surrounding that influences business activities. The component of technological environment is: ; Level of technology: the level of technology may be appropriate or sophisticated, labor based or capital based. ; Pace of technological change: pace is the stage and speed of technological change. Technological transfer: technological transfer implies technology imported from technologically advances foreign country. ; Research and development budget: research and development budget is the situation of research and development budget get by government or business. Organization for technological adaptation, up gradation and development. ) Task environment Task environment also called competitive or operating environment. Operating environment involves factors in the immediate competitive situation of a particular organization. ; Customer: customer Of the task environment reflects the characteristic ND behavior of those who buy goods or services provided by the business. ; Supplier: suppliers are the individual and firms that provide the firms with the inputs resources that is provide HTH firms with the input resources that is needed to produce goods or services. Distribution: distribution is an organization or means that helps other organization to sell their goods and services to customers. The distributors can be retailers, middlemen, facilitators, and market service agencies. ; Special interest groups: special interest group is the organized groups o uses the political process to advance their position on particular issues. ; Financial institutions: business organization relay on the services of institution like commercial bank, finance companies, insurance companies and capital marketing institution to meet their short and long term financial needs and other services requirement. Media: the media keeps an eye on the vital decision or action of the business firm having general public interest. ; Competition: the competition factors of the task environment consist of those with whom an organization must do bette r in order to obtain sources, market and position. Environment scanning Environment scanning is the technique of acquiring information about environment uncertainty complexity and dynamism and analyzing the trends, emerging in the environment. In another words, environmental scanning is the process of monitoring the business environment to identify both present and future threats and opportunities that may influences the firms ability to reach its goal. Before form ululating strategy, environment should be analyzed as strategy matches the internal resources with external environment. What changes are occurring in the environment and in what ways the internal strength are utilized, what factors are affecting business, what purport entities are being available, strategic manager must get the information which is acquired by environmental scanning. Thus environmental scanning is a tool to monitor, evaluate and disseminate information from the environment. Environment scanning is done to Objectively identify opportunities and threats for the business opportunities are favorable conditions in the environment. This enables a business organization to consolidate and strengthen its position but threats are unfavorable condition in the environment. This creates risk or cause damage to a business organization. Only environmental scanning enhances to determine threats and opportunities. Environment Scanning help top management to understand and define current environment realities and predict future changes. The top management can observe the changes taking in the environment through reports, committee meeting, memorandum, sub-ordinate manager, journals, colleagues, employee, personal experience and conferences. Once the management receives this information about changes taking place in the environment, they then assess, co-relate, extrapolate and interpreted the vent and signals to determine threats and opportunities. Now considering the following example which clearly depicts how threats and opportunities are determined through environmental analysis: Events opportunity(LCP) 130% I Impact (l) I probability(P) Threats/ I Competitors entrance in the Sales fall by I Reduction in sales by 3% I I market I Political insecurity I Sales fall by I Reduction in sales by 6% sales fall by 140% recession I I Economic I Reduction in sales by 10% I Napalms entrance into WTFO I Market expansion baby% 140% Increase in sales by 20% I Price war I Price fall by 30% I Reduction in sales by 9% Environmental analysis In every society there are plenty of unmet human needs. Any business firm identifying these unmet needs and supplying goods and services to satisfy them would open up new opportunity for its. On the contrary, a business firm unaware of the environmental signals would find it in constant threats such a firm may even lose its existing business owing to decreased demand for its product or services in the market. It is therefore; very crucial for business firms to keep track of the emerging environmental trends and adjusts accordingly. Analysis involves breaking a whole into its parts to find it nature function and relation. Environmental analysis, involves identifying the present and future purport entities and threats. According to William Cluck( 1980) defines environmental analysis as the process by which strategist monitor the economic, legal, competitive, geographic, technical and social setting to determine opportunities and threats to their firms. According to Philip settler (2002),environmental analysis as the process of assessing the emerging trends. Every business firm manager has to pay attention in trends. In the process of analysis, a host of activities like thinking, feeling interpreting and behaving are involved. The constant changes in business environment disturb some managers. But todays managers have to anticipate them, understand them, deal with them and turn them to their firm advantages. There are several methods or technique of environmental analysis. The most common are as follows; ; STOW analysis ; Business related publication like newspaper and journals ; Business forecasting ; Formal research studies. Environmental analysis and its uses in strategic management Strategic management refers to the decision and action of top management directed at formulation and implementation of strategies to achieve long term objectives.

How Many AP Classes Do You Need for Ivy League Schools

How Many AP Classes Do You Need for Ivy League Schools SAT / ACT Prep Online Guides and Tips At many high schools, AP courses are the toughest classes you can take. Extremely competitive colleges are looking for students who are willing to challenge themselves, so they're more likely to admit students who have taken at least a few APs. In this article, I'll go over how many AP classes Ivy League schools expect you to take and how these expectations can change based on the conditions at your high school. How Many AP Courses Do Ivy League Schools Expect Students to Take? There’s no concrete answer to this question because itdepends on how many APs your school offers and how many of them your classmates are taking.Ivy League schools want to admit the best students in the country while also maintaining diversity in their student bodies. They will only consider students who are performing at the top of their high school classes, but they also make an effort to admit applicants from a wide range of different environments and types of schools. You might only take two AP classes your senior year because those are the only ones available to you.In this case, you will compare favorably to other students at your high school since you’re making the most of your opportunities (and no one else will be taking more APs than you). A student at another high school who elects to take three AP classes senior year might not look as goodifother students at the same school are taking five. When admissions officers look at applicants from a certain secondary school, they may use the fact that one student took fewer AP classes than others in the group as an excuse to demote that student to the waitlist.This isn't always the case, though. If you take three AP classes in core subject areas, and someone else takes five but two of them were irrelevant to that student's interests, schools probably won't make much of a distinction between you.Top colleges are looking for students who have taken advantage of their opportunities, which means taking the most difficult courses available that fit with their interests. If you’re looking for a specific number of APs that you should take, it will depend on your school’s offerings, but a safe number for admission at Ivy League schools is usually between 7 and 12 AP classes throughout high school. It's best tospread out these classes over four years with the majority of them clustered in your junior and senior years.Freshman year you might take one or two AP classes if they’re available.Sophomore year you can ramp it up to two or three.Junior year, if you’re hoping to attend an Ivy League school, you should consider taking three to five AP classes in core subject areas. Avoid overloading yourself too much during your senior year because you’ll be applying to college. Still, many students who apply to Ivy League schools take five or six AP courses senior year. It's up to you todecide how much you can handle without feeling overwhelmed or dropping the ball in any of your classes. Why? Why did I do this to myself? The binders. So many binders. (Don't let this be you.) Here are some quotes from Ivy League admissions websites to give you a better sense of what these schools are looking for: Princeton Says... â€Å"We consider it a promising sign when students challenge themselves with advanced courses in high school. We understand that not all secondary schools offer the same range of advanced courses, but our strongest candidates have taken full advantage of the academic opportunities available to them in their high schools.† â€Å"Whenever you can, challenge yourself with the most rigorous courses possible, such as honors, Advanced Placement (AP) and dual-enrollment courses.† Columbia Says... â€Å"We look at a variety of factors to help us inform our decision on a candidate including: The student’s curriculum and grades - we hope to see that a student is challenging herself or himself with a rigorous course load. The context of a particular candidate, including family circumstances, secondary school, community, interests and access to resources.† Brown Says... â€Å"To assess preparedness, we review the depth and breadth of the academic learning you have undertaken thus far. We want to know whether you have taken advantage of the courses available to you in your school, and whether you have challenged yourself in advanced classes, and whether you have stretched yourself with outside-of-school educational opportunities.† â€Å"We know that curricular offerings vary from school to school. Our strongest candidates have taken full advantage of what is available to them in their own schools.† The gist of these statements is that you need to challenge yourself as much as possible in the context of the opportunities your high school provides for you. With that in mind, don't just take any and all AP courses that your school offers.Think critically about which courses are most relevant to your interests and goals. Also, make sure you’re not sabotaging your GPA by taking more classes than you can handle. I’ll gointo more detail on this in the next section. Brown University: Once you get in, you can take whatever classes you want! Are Some AP Courses Better Than Others in the Eyes of Ivy League Schools? Don't take an additional AP class on top of your regular course load if the subject doesn't interest you. Iwould advise you to take AP courses primarily in core subject areas to avoid stretching yourself too thin. Taking AP classes just for the sake of adding another AP to your course record may be damaging to your GPA as a whole. It also won't add much to your college application.Ivy League schools want you to take the most challenging classes in math, science, social studies, English, and foreign language.If you take all APs in those subject areas but skip AP Music Theory, admissions committees won’t fault you for it. Some people mistakenly believe that you should take as many AP classes as possible at all costs. You should take full advantage of your opportunities in areas thatinterest you, but you shouldn’t devote time and energy to classes that are unrelated to your goals and academic interests.Colleges want to see students who prioritize worthwhile learning experiences over hollow achievements. They're also looking for students with very high GPAs. Stay balanced: You don’t want to overload your schedule with too many hard classes and end up with lower grades overall. The eyes of the Eye-vy League are watching youuuuu. What If Your High School Doesn’t Have AP Courses? Some students worry about their chances at top colleges because their school doesn’t offer AP classes.In this situation, just take the hardest classes that are available to you.You shouldn't be concerned about the lack of APs. Colleges will understand that you didn’t have the opportunity to take them, and they can’t fault you for that. Your school may offer IB courses instead, which colleges view as being essentially equal to AP courses.As I’ve said before, Ivy League schools will compare you to other students from your high school to see how you measure up.If you’re pushing yourself as much as you can within the academic constraints of your environment, you'll still have a good chance of being accepted. A student who doesn’t have access to APs but takes high level classes throughout high school and is ranked in the top five percent of his or her class will have a better chance of attending an Ivy League school than a student who takes a few AP classes here and there and has a less impressive class ranking. If your school doesn't have APs, it's ok. Shhhh. Listen to this rock. Conclusion Ivy League schools and other competitive colleges are looking for students at the top of their high school classes who have taken the most rigorous courses.These often include AP classes. Most students who attend extremely selective schools have taken anywhere from 7 to 12 AP courses in high school, although there are exceptions to this rule.If a high school offers only a limited number of AP courses or none at all, colleges will not fault students for taking fewer of these classes.Above all, they want to see students who have challenged themselves as much as possible within the constraints of their high school curriculum. The bottom line is, if you want to attend one of the most competitive schools in the country, you should strive to take as many difficult courses as possible without overwhelming yourself and sabotaging your GPA.For some students this means taking all three of the AP classes their school offers, and for others it means choosing to take twelve AP classes out of the twenty their school offers.As long as you do the best you can to challenge yourself academically, there’s no absolute number of AP classes you need to take to be admitted to a top college. What's Next? Still trying to figure out how to structure your schedule? Learn what a rigorous course load in high school should look like. If you're hoping to be admitted to competitive colleges, it's helpful to join an honors society. Find out more about honors classes and societies that you can be a part of in high school. Your GPA is critical in the college admissions process. Read this article for more information on whether colleges consider weighted or unweighted GPAs and how this might affect you. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Hate Groups Research Paper Example | Topics and Well Written Essays - 500 words

Hate Groups - Research Paper Example Its main objective was to uplift spiritual social and economic conditions of African Americans. However, the group attracted many critics that it is supporting the Black Separatist ideology. The nation of Islam is not affiliated to any larger hate group but has interacted with many foreign influential persons. These include the dictator of Libya Col Gaddafi and Omar al-Bashir of Northern Sudan. According to Gibson (2012), the nation of Islam advocated for the adherence of the five pillars of Islam faith. It teaches faith, morality, mutual respect and discipline. They discourage premarital sex, abortion and the abuse of substances including the use of tobacco and alcohol. He created the malicious and ‘devil white ‘. Fard preached the coming of an overthrow restoring the superiority of blacks. This group holds that intermarriages or race mixing should be forbidden. Like other Muslims, they believe there is no other God but Allah but to them he came in the form of Fard. On an interview in the media, Fard explained that God used black mud to model a black man who was the first man. The whites emerged from a contraceptive measure generated by Yacub. Wallace further preached that according to the bible the fall of Babylon was symbolic to today’s America to fulfill prophesy of the book of revelation. NOIs ideology of anti Semitism is dominant in the organizatio n with its leader Elijah calling Jews greedy for imposing Jesus to authority. Farrakhan held a lot of prejudice during the early days of civil movement campaigns. Some of his remarkable words were when he called Hitler a very great man and Judaism a dirty religion. His biased remarks against Jews and whites attracted a lot of appeal from many African Americans. This racist ideology by Wallace spread fast, and he gained a lot of fame among the blacks. The United Kingdom forbade him from visiting the United Kingdom as the officials saw his as a

Financial Leverage Essay Example | Topics and Well Written Essays - 2250 words

Financial Leverage - Essay Example Higher expected returns are associated with the firms that are having high financial leverage ratios when the economy of a country is normal. Whereas, when the economy of a country is in recession so firms having high financial leverage ratios will face risk of loss. On the other hand, firms having low financial leverage ratios are supposed to be less risky but higher expected returns are not associated with these firms. IMPORTANCE OR AIM OF THE STUDY The importance or aim of this study is to show that analysts use financial leverage ratios to accomplish two things: †¢First, they are a measure of the extent to which firms finance their assets through debt. †¢Second, they are the indicators of the financial risk of the firm. Analysis of a firm’s financial leverage ratios is essential to evaluate its long-term risk and return prospects. Leverage as a debt-financing indicator is important because whenever a firm’s rate of return on assets is in access of interest rate, the profits to equity investors are magnified in direct proportions to increases in leverage. The reverse also holds true-whenever the rate of return falls below the interest rate, the profits to investors decline with increases in leverage. In fact, if the firm is sufficiently levered, interest expenses may be so high that under adverse economic conditions the firm may not be capable of paying them-that is, financial risk is directly proportional to leverage. In conclusion it can be said that analysis of a firm’s financial leverage ratios is essential to evaluate its long-term risk and return prospects. Leveraged firms accrue excess returns to their shareholders so long as the rate of return on the investments financed by debt is greater than the cost of debt.

A contrast between opposing values in Hard Times Essay Example for Free

A contrast between opposing values in Hard Times Essay The first incident that involves the circus and circus people that I would like to talk about, and that clearly demonstrates the contrast between opposing values is on page 34 onwards. Mr Gradgrind, the absolute pinnacle of fact in the book, goes to visit the Circus people to tell them that the fanciful Sissy Jupe can no longer attend the school. I have chosen this incident as it involves more of the circus characters than really at any other time, secondly the description of the circus shows just how far from the world and values of fact it is. The circus is the best symbol for representing the alternative to all that is fact in the book; the circus is seen as a world of mystery and wonder almost of magic and idea that completely goes against the idea of facts. Gradgrind and Bounderby go to see Sissys father only to find out he has abandoned his daughter, it is then that Mr Gradgrind decides on the possibility of taking Sissy to his own home, and educating her in the ways of fact from there. Mr Bounderby and Mr Gradgrind get together during this time and have a conference of opinions based upon the fact and laws they have always followed, Gradgrind being softer at heart but still the fact machine at this point wants to take Sissy home, but Gradgrind can be heard to be saying No. I say no. I advise you not. I say by no means. He does this as he is the metaphor for fact throughout the book and to take someone elses child on as your own and teach them the ways of fact, when she has been living the life of fancy for many years seems absurd to Bounderby. However, at the same time that Gradgrind is having a debate about the matter with Bounderby, the various members of Slearys company gradually gathered together from the upper regions The circus people are described in this chapter as being remarkable gentleness and childishness about these people, a special inaptitude for any kind of sharp practice, and an untiring readiness to help and pity one another, deserving often as much respect, and always as much generous construction, as the every-day virtues of any class of people in the world. Unlike the likes of Bounderby and Gradgrind, who cannot be described as emotional or passionate or anything of the sort just plain hard facts Sleary in this chapter is the real philosopher on the ideas of fancy he even says it I lay down the philothophy of the thubject when thay to you, Thquire, make the betht of uth: not the wurtht! This chapter clearly show the contrast between opposing views and values in Hard Times, the circus shows a whole new world but is representative of a whole new set of values the ideas of fancy are represented in the themes and scenes with the circus. The thing is with the circus is that it has almost dreamlike status things happen there that cannot happen anywhere else and it appears to be an almost illusion, for example The father of one of the families was in the habit of balancing the father of another of the families on top of a great pole. These are the things that you would only expect to see in dreams and so therefore it is fanciful, a complete contrast to the ideas of fact displayed throughout the rest of Hard Times. A good example of how far opposed to the ideas of fact the circus is takes place on page 12 and 13 when, Mr Gradgrind the keeper of facts and bringer of knowledge to Thomas and Louisa Gradgrinds lives, catches them sat watching the circus people, he takes the view that the circus was bad news, as it opposes everything he stands for Now to think of these vagabonds attracting the young rabble from a model school. He sees the idea of the circus so fanciful and alien to him, he feels that to watch a circus act would be to debase himself or a well-educated child. It even says his own mathematical Thomas abasing himself on the ground to catch but a hoof of the graceful equestrian Tyrolean flower act! This sentence shows what the opposing values are fully in Hard Times, it is obvious from the statement that anything mathematical or just plain practical is in direct opposition to the fanciful nature of flower shows and the like. Thomas when caught does not even protest but knows that to obey his fathers principles he must [give] himself up to be taken home like a machine. That is clearly the way of fact to be machine like, and that is why the circus is such a good opposition and symbol of everything fact isnt, Gradgrind condemns circus like ideals when he says In the name of wonder, idleness and folly! apparently to dream or to be imaginative is lazy in Gradgrinds books. Which is why the factual way in which Gradgrind has based his life upon is so offended by the ideas of fancy as he doesnt like the thought of being considered as being not lazy but that there can be other ways to work hard in life. Gradgrind is so full of the idea that facts are right, that he even questions and believes that with all these thoughts at the disposal they could make the wrong decision, when surely it isnt a case of right and wrong? Just opposing views and they do oppose each other! Gradgrind does say though Thomas though I have the facts before me I find it difficult to believe that you with your education and resources should have brought your sister to a scene like this. This makes it seem as though education is supposed to kill the imagination, which clearly conflicts with the views of the circus, which believe that you should work hard and perform in life, but never let the dreams die.

hmos takes the care out of health care Essay -- essays research papers

HMOs Take The ‘Care’ Out Of Health Care.   Ã‚  Ã‚  Ã‚  Ã‚  In the early 1990s insurance companies, in attempt to control spiraling medical costs, created what would be termed â€Å"health maintenance organizations†, also known as HMOs. What HMOs do is create a team of physicians and medical personnel that the patients agrees to use. Within the contracts both the patient and the doctor sign, limits and restrictions are put on what the hospital will reimburse and what they will or will not provide in order to keep the costs down. At the beginning, these organizations were successful in bringing medical costs down and has made health insurance more affordable than ever. However, the contracts that the HMOs have you sign basically limits the doctor on how he or she can treat their patients, thus putting their job as the physician in the hands of the HMO. As profits began to go up and down these organizations have put more effort into keeping their costs down and have lost sight of actually caring fir the patients they are insuring.   Ã‚  Ã‚  Ã‚  Ã‚  To prove my thesis in this paper I will discuss how our senior citizens and the chronically ill have been hurt by recent cuts their HMOs have made. I will discuss the many reports of HMO negligence and the issues concerning the patient doctor relationship. I will also go into what actions, or lack thereof, our government has taken in response to HMO woes. All of these points will show that HMOs have lost the concept for caring for their patients including our elders who are one genre that are being hit hard by the actions these HMOs have taken.   Ã‚  Ã‚  Ã‚  Ã‚  In January of 2001, nearly one million senior citizens were kicked out of their Medicare health plan (â€Å"What’s Behind† 1). Why have so many HMOs dropped these health plans? The reason why is because these Medicare programs are for the elderly only and simply were not profitting, and in response, the insurance companies shut them down. The HMOs claim that federal reimbursement levels were not keeping up with the medical cost inflation forcing them to cut these programs. For instance, in 2001, the government’s reimbursement to the HMOs went up only 2 percent while the insurance company’s costs went up between 11 and 13 percent (par.3). Though the reimbursement level issues may have contributed to the HMOs decision to cut these pro... ...ted high levels of stress associated with dealing the multiple agencies and healthcare providers. Since managed care’s beginning, the way medical care has been provided and delivered as drastically changed, and this trend is more than likely to continue. No one is going to be hit harder by these changes than the families who have children with complex chronic medical conditions. Work Cited Alleger, Irene. â€Å"HMO’s- Business Masquerading as Medical Care.† Towsned Letter for Doctors and Patients 215 (2002): 135. par. 9. Almanac of Policy Issues. â€Å"Universal Health Care Coverage.† March 29, 2005. American Medical Student Association. â€Å"Myths & Facts About Single-Payer Universal Coverage.† Marc.h 29, 2005 Canadian Health Care . â€Å"Canadian Health Care.† March 29,2005. â€Å"HHS:HMO’s Ignore Medical Incompotence.† International Council fpr Health & Human Services 5.21 (2001): 1-2 par. 17. Tuleya, R.J. â€Å"The HMO Dilema.† Nutrition Health Review: The Consumer’s Medical Journal 79 (1999): 3. par. 22. â€Å"What’s Behind the Medicare Woes?† People’s Medical Society Newsletter 19.6 (2001): 1-2 par. 7. Universal Health Care. â€Å"Summary of recommendations Poor Health and Homeless. March 29, 2005.

History Coursework Essay

In this essay I will be explaining the main features of the New Deal, I will include Roosevelt’s main aims and alphabet agencies which helped America recover through the financial crisis. Emergency Banking Act – Roosevelt closed all banks for a four day â€Å"Bank Holiday†. Every bank was inspected only honest, reliable well run banks with enough money were allowed to re-open this was incredibly important because this was one of the major causes of the depression, the banks were giving large amounts of money to people who could not pay it back and so this caused a knock on effect. The Economy Act – Roosevelt cut the pay for everyone working for the government, army, navy and air force by 15% and saved a nearly 1billion dollars to be re-invested into the economy, these tough measures were needed for people who were unemployed or having financial crisis’s this money was extremely important so that the economy could make a slow but steady recovery. F.E.R.A – The Federal Emergency Relief Agency was given $500 million dollars to help the homeless or people who were struggling to make ends meet. They helped people with basic things such as food, clothes, mortgage payments, they gave great support for people who needed money for basic things. H.O.L.C – The Home Owners Loan Co-operation loaned money to people with very low rates of interest and people who could not keep up with their payments this was very important because it took the pressure of the home owner because they could rely on the government to help or support them with their finances. F.C.A – Farm Credit Administration helped farmers. They loaned money to farmers who were unable to meet their mortgage payments they loaned 100 million dollars in 18 months. A.A.A – Agricultural Adjustment Agency paid farmers to produce less food so that there was more demand for farmed products. The farms were overproducing and so they were losing a lot of money because there was no demand for those products. The AAA paid them to destroy their food and because there was more demand for the products there incomes increased, they nearly doubled! In conclusion Roosevelt was helping America’s economy unlike Hoover his aims of helping the economy were succeeding and the public began to lie him.

Struggle Session

A struggle session was a form of public humiliation used by the Communist Party of Mao. When the struggle session began, the Red Guard used Labor camps, public humiliation, destruction of buildings or objects and corporal punishment to criticize the peoples who opposed to praise the great of Chairman Mao and rejected to publicize Maoism. And their targets were intellectuals, landowners and artists. For example, Ye qianyu was famous in Traditional Chinese painting. During the war, he led a group of artists to participate in the anti-Japanese propaganda of the Allied. So he was labeled â€Å"U. S. mperialism spies† by Red Guard. He is not only to accept the corporal punishment, but also to participate in the labor camp. Therefore, there were two different tendencies of artist when the struggle session began, Political fanaticism class and Creative  Underground  Class. For the Political fanaticism class, they responded to the call of Chairman Mao, followed by the Central Cult ural Revolution combat deployment and the creation of works of art. Most of their works contained the elements about praise of the great achievements of the Cultural Revolution and Demonize â€Å"enemy† which means Capitalist roaders. Follow Chairman Mao and advance in the great storms and wave†, printed by Shen Yao Iraq. It was one of the most famous works in Cultural Revolution. It means the people in the revolution was irresistible and didn’t afraid of anything if they followed Chairman Mao. For the Creative  Underground  Class, most of the works was not related to the expression of the political intentions of the Cultural Revolution. The artist usually used landscapes  to  express their emotion. Huang Qiutuan and Shi Lu was the representative of this painter.

The Possible Origins of the Words Sincere and Sincerely

The Possible Origins of the Words Sincere and Sincerely The origin of the word sincere is disputed, although the popular etymology has it coming from words for without wax. Without Wax It is commonly believed that sincere comes from two Latin words- sine without and cera wax. Although even that much is challenged, there are two explanations for how without wax came to be an important claim, both involving craftsmen, who during the Republic of Rome, would generally have been slaves or foreigners. Some think that marble workers would cover imperfections in the stone with wax, much as modern homemakers or unscrupulous antique dealers might rub wax to hide a scratch in wood. Another idea for the origin of sincere has more ominous consequences. Since cement was more expensive than wax, unscrupulous bricklayers would sometimes employ it- at least thats the story. When it melted, bricks could shift and structures collapse. So the claim that something was sine cera would be an important guarantee. The Online Etymology Dictionary says it may come from sem-, sin-, roots for one and crescere growth.

Habits and Traits of Gall Wasps

Habits and Traits of Gall Wasps Have you ever seen those misshapen lumps on the twigs of oak trees? Those peculiar growths are called galls, and theyre almost always caused by gall wasps. Although theyre quite common, gall wasps (family Cynipidae) often go unnoticed because of their diminutive size. How Are Gall Wasps Classified? Kingdom: AnimaliaPhylum: ArthropodaClass: InsectaOrder: HymenopteraFamily: Cynipidae What Do Gall Wasps Look Like? Cynipid wasps are quite small, with few species measuring over 5 millimeters in length, and usually drab in color, which makes them rather inconspicuous. Its often easier to identify gall wasps from the galls themselves. Tracks and Sign of Insects and Other Invertebrates is an excellent reference for identifying North American gall-makers from the galls they leave behind. Cynipids infest plants in the rose, willow, aster, and oak families. Cynipid galls vary greatly in size, shape, and appearance, depending on the host plant and the gall wasp species involved. Gall wasps arent the only organisms that trigger gall development in plants, but they are probably the most prolific gall-makers, especially in oak trees. About 80% of gall wasps target oaks specifically. In North America, well over 700 gall wasp species create galls in oaks. Gall wasps look like tiny hunchbacks. When viewed from above, the abdomen may appear to have just two segments, but the rest are simply compressed beneath, in telescoping fashion. Gall wasps have minimal wing venation and filiform antennae (usually consisting of 13 segments in females, and 14-15 segments in males). Youre unlikely to see gall wasp larvae unless youre in the habit of dissecting galls. Each tiny, white larva lives within its own chamber, feeding constantly. They lack legs and have chewing mouthparts. What Do Gall Wasps Eat? Gall wasp larvae derive nutrition from the galls in which they live. Adult gall wasps are short-lived and do not feed. Surprisingly for an insect that eats so much, the larvae dont poop. Gall wasp larvae dont have anuses, so there is simply no way for them to expel their waste. They wait until the pupal stage to rid their bodies of fecal matter. The Life Cycle of Gall Wasps The cynipid life cycle can be quite complex. In some species, male and female gall wasps mate and the female oviposits in the host plant. Some gall wasps are parthenogenetic, and produce males rarely, if ever. Still others alternate sexual and asexual generations, and these distinct generations may use different host plants. In very general terms, the gall wasp life cycle involves complete metamorphosis, with four life stages: egg, larva, pupa, and adult. The female deposits an egg into the meristematic tissue of the host plant. When the egg hatches and the larva begins to feed, it triggers a reaction in the host plant, causing the formation of the gall. The larva feeds within the gall and eventually pupates. The adult gall wasp usually chews an exit hole to escape the gall. Special Behaviors of Gall Wasps Some gall wasps dont produce galls in their host plants but are instead inquilines of other species galls. The female wasp oviposits into an existing gall, and her offspring hatch and feed on it. The inquiline larvae may indirectly kill the larvae that induced the gall to form, simply by outcompeting them for food. Where Do Gall Wasps Live? Scientists have described 1,400 species of gall wasps worldwide, but many estimate that the family Cynipidae may actually include as many as 6,000 species. Over 750 species inhabit North America. Resources and Further Reading   Capinera, John L., editor.  Encyclopedia of Entomology. 2nd ed., Springer, 2008.Frogge, Mary Jane. â€Å"Most Leaf Galls Dont Hurt Trees (Galls).†Ã‚  Institute of Agriculture and Natural Resources: The Nebline, University of Nebraska-Lincoln in Lancaster County, May 2012.Johnson, Norman F., and Charles A. Triplehorn.  Borror and DeLongs Introduction to the Study of Insects. 7th ed., Cengage Learning, 2004.Leung, Richard, et al. â€Å"Family Cynipidae - Gall Wasps.†Ã‚  BugGuide.Net, Iowa State University, 13 Apr. 2005.

Unit 2 LS311 Torts and Cyber Torts-CASE STUDY Essay

Unit 2 LS311 Torts and Cyber Torts-CASE STUDY - Essay Example The position held in the NCR Corp v Korala associates Ltd 2007 06-3685 (6th Cir.), where the court stated that the provisions of the arbitration clause are binding in claims relating to the contract. Where the claim has a connection to the contract, the resolution of the dispute facilitated through arbitration (Miller & Jentz 2009). On the other hand, where the claims are not within the contractual terms, the arbitration clause does not bind. Regardless of the nature of the claim, it is only binding if the court must reference the contract in its resolution. The court looked into whether the parties agreed to arbitrate on such claims in order for the arbitration clause to be binding. The outcome in Baker v Osborne, therefore, would provide for the parties to arbitrate on the claims. The arbitration clause in the contract provides for arbitration between the parties concerning any issues arising concerning the contract, the scope of the clause covers the current claim and, therefore, the new owners bound by the arbitration clause, and they should not sue the