buy custom Aligning Incentives in Medicare essay

buy custom Aligning Incentives in Medicare essay In modern world electronic medical record (EMR) has created a revolution that has affected the entire system in the medical world. The EMR is a computerized medical record created in an organization that delivers care, such as a hospital or physician's office (The Institute of Medicine, 2006). This method has eased the process of data management, storage, retrieval and modification of data. As opposed to the paper based methods that are up to now the most used methods of recording patient information, electronic medical record provides flexibility and effectiveness going by the fact that this system does not need significant amount of storage space. For the relatively smaller medical facilities, EMR may strike out as an over-ambitious plan that may not go well with the budget line of these facilities. The essence for the adoption of the EMR is basically to increase data security and ensure that patients information can last for decades. In this sense, the undertaking by Dryden Family Medicine (DFM) to incorporate the use of EMR will go a long way in creating s steady transition of healthcare operations such as billing, prescription ordering as well as other routine processes. Pay for performance is one of the emerging movements in health insurance aimed at encouraging better healthcare delivery initially in the US and Britain. Under this model, medical facilities, groups and other healthcare providers are rewarded for their efficiency in health care delivery. However, this has sparked a heated debate particularly in developed nations where critics question the applicability of this model. In these countries, it is very significant that large healthcare systems have shown great improvement in terms of healthcare delivery and efficiency. However, these large facilities fail in minimizing their cost with most of the resources being used in administrative expenses. This questions the pay for performance model where the efficiency of health providers is based on the cost effectiveness of the same fcilities in delivering their services. Pay for performance model has led to many medical facilities to try and engage better and complex systems in health-care delivery. In the US, most medical professionals and societies have over the years advocated for increased efficiency in the healthcare sector. This comes amidst concern over the criteria used to measure the degree of effectiveness by a healthcare provider. The pay for performance model therefore put most health organizations to task by initiating innovations and the adoption of new technology in healthcare delivery by healthcare providers while trying to provide quality healthcare. According to a recent study by the American Medical Association, the electronic medical records improve the overall efficiency of a medical organization by 6% annually. This explains why the pay performance model would undoubtedly encourage the adoption of electronic medical records by health providers. In both the medical and professional world, cost benefit analysis maybe regarded as a system that deals with the decision making process. This can also be defined as the systematic process that details out what is to be done and why. Decision making process is a complex process that work under the assumptions that, an act should not be carried out unless its benefits outweighs the cost, the benefits and costs are weighed under a common denominator to establish their comparison with each other and the whole process is essential in improving cost benefit estimation for future projection. There are various advantages for the adoption of cost benefit analysis particularly when dealing with information technology adoption decisions. These advantages are such as the evaluation of the cost incurred in relation to the intended or projected benefits. However, the limitations of this method are that the IT sector is very dynamic. This implies that nit is not possible to weigh the decision maki ng process under a common denominator such as cost. There is also the need to weiggh the same under factors such as durability, complexity and time. Before integrating the electronic medical records, the Dryden Family Medicine (DFM) should first ensure that the health facilitys internal and external environment can fully adopt the use of this new system. In this regard, one of the first measures is to educate the staff regarding the use of the EMR going by the fact that this facility had no IT support person except the IT manager. It is also evident that the facility due to its size was somehow limited on its budget implying that it could not hire outside consultants hence the more need to develop an internal consultant and cut on the cost incurred. Before the adoption of EMR, Dryden Family Medicine (DFM) should also ensure that the main servers in data encryption are safe. This is as a result of the fact that the EMR system has received sharp criticism over the security of data. In this, critics argue that the increased portability and accessibility of EMR increases the ease in which unauthorized people can access private inform ation. One of the key challenges faced by small health facilities as compared to large healthcare providers in relation to the adoption of HMIS projects such as EMR implementation narrows down to cost. Most of these small healthcare providers operate on a limited budget that greatly affect the adoption of such HMIS initiatives. More significantly, incentives are being aligned with performance with most people questioning the information systems used by health facilities to collect data valid for quality assessment. It is a fundamental fact that small healthcare providers will always feel much of the effect by adopting such HMIS initiatives. According to a recent study, more than 90% respondents from relatively small healthcare providers admit lacking substantive support form EMR providers. In addition, most of them agreed that the additional cost from EMR vendors and consultants is the key reason behind the late implementation of the system. Buy custom Aligning Incentives in Medicare essay

ELLIS Surname Meaning and Family History

ELLIS Surname Meaning and Family History One of several popular names in medieval England derived from the Hebrew personal name Elijah, or the Greek Elias (Hebrew Eliyyahu),  meaning my God is Yahweh. In Old English the name was often spelled Elis or Elys. In Wales the Ellis surname derived from the Welsh personal name Elisedd, a derivative of elus, meaning kindly, benevolent. Surname Origin:  English, Welsh Alternate Surname Spellings: ELIS, ELYS, ELIES,  ELLISS, ELIX, ELICE, ELLICE, ELIAS, ELS, ELES, ALCE, ALES, ALIS, ALLACE, ALLES, ALLESS, ALLIS, ALLISS Famous People With the ELLIS Surname Albert Ellis - American psychologistAlton Ellis - Jamaican singer-songwriterNelsan Ellis - American theater and television actorPerry Ellis - American fashion designerC. P. (Claiborne Paul) Ellis -  American Ku Klux Klan leader turned civil rights activistDonald Johnson Don Ellis -  American jazz trumpeter, drummer, composer and bandleaderGeorge James Welbore Agar-Ellis - 1st Baron Dover; British politicianWilliam Ellis -  English  missionary and author Where Is the ELLIS  Last Name Most Common? Ellis, according to surname data from Forebears, is the 1,446th  most common surname in the world. It is most prevalent in the United States, where it ranks 113th, but it is used by a greater percentage of the population in Wales (45th), England (75th), and Jamaica (66th). Within Wales, the Ellis surname is found most frequently in the North, especially Flintshire (where it ranks 12th), Denbigshire (14th) and Caernarfonshire (16th). In England, it is most common in Devon (17th). WorldNames PublicProfiler has the Ellis surname as most commonly found in the United Kingdom, with the greatest numbers of individuals clustered in northern Wales and Yorkshire and Humberside, England. Genealogy Resources for the Surname ELLIS English Surname Meanings and OriginsUncover the meaning of your English last name with this guide to English surname meanings and origins. How to Research English  AncestryLearn how to research your English family tree with this guide to genealogical records in England and Wales, including birth, marriage, death, census, military and church records. Ellis Surname DNA ProjectA central site for individuals with the Ellis or variant surname  who want to participate in Family Tree DNA testing to learn about their Ellis ancestors and where and who they came from. Ellis  Family Crest - Its Not What You ThinkContrary to what you may hear, there is no such thing as an Ellis  family crest or coat of arms for the Ellis surname.  Coats of arms are granted to individuals, not families, and may rightfully be used only by the uninterrupted male-line descendants of the person to whom the coat of arms was originally granted. ELLIS Family Genealogy ForumFree message board is focused on descendants of Ellis ancestors around the world. FamilySearch - ELLIS  GenealogyExplore over 4.5  million  historical records which mention individuals with the Ellis surname, as well as online Ellis family trees on this free website hosted by the Church of Jesus Christ of Latter-day Saints. ELLIS Surname Mailing ListFree mailing list for researchers of the Ellis surname and its variations includes subscription details and a searchable archives of past messages. GeneaNet - Ellis  RecordsGeneaNet includes archival records, family trees, and other resources for individuals with the Ellis  surname, with a concentration on records and families from France and other European countries. The Ellis  Genealogy and Family Tree PageBrowse family trees and links to genealogical and historical records for individuals with the last name Ellis  from the website of Genealogy Today. References: Surname Meanings Origins Cottle, Basil.  Penguin Dictionary of Surnames. Baltimore, MD: Penguin Books, 1967.Dorward, David.  Scottish Surnames. Collins Celtic (Pocket edition), 1998.Fucilla, Joseph.  Our Italian Surnames. Genealogical Publishing Company, 2003.Hanks, Patrick and Flavia Hodges.  A Dictionary of Surnames. Oxford University Press, 1989.Hanks, Patrick.  Dictionary of American Family Names. Oxford University Press, 2003.Reaney, P.H.  A Dictionary of English Surnames. Oxford University Press, 1997.Smith, Elsdon C.  American Surnames. Genealogical Publishing Company, 1997. https://www.thoughtco.com/surname-meanings-and-origins-s2-1422408

Recent European Foreign Debt Crisis Essay Example | Topics and Well Written Essays - 1000 words

Recent European Foreign Debt Crisis - Essay Example This saw down turn in small areas of financial systems, which ruined the structure entirely. There are a lot of factors that contributed to the recent European financial meltdown. According to some political economists, the European financial meltdown was bound to happen due to the trade policies adopted by the European Union (Jackson 1). In this regard, they argue that European Union is not proactive enough and act after the facts. This means that they provide response only after the situation has already occurred. The question that many people among them economist are asking is, why should the European countries care about the foreign debt crisis? This paper will explore the causes of the recent European sovereign debt crisis, what happened and why it is indispensable for the European countries to care about it. The foreign debt crisis in Europe occurred as a result of a number of factors. This include finance globalization, 2002-2008 easy credit condition which buoyant high-risk b orrowing and lending practices. Others include imbalance in international trade, bubbles of real estates, which have burst since then, slow growth in economy witnessed in 2008 and there after, government expense and revenue fiscal policy choices and bail out methods by nations for troubled banks and bondholders. Other notable causes include assuming private burdens of debts or socializing losses (Duthel 1). The crisis has had a lot of negative impacts to many countries in Europe. Jackson argues that initially, the crisis was viewed by European Union (EU) as a phenomenon of America. However, its devastating effects changed soon after the European countries saw its impact on the country. For instance, the crises led to a sharp decline in economic activities of European countries over a remarkably short time (Duthel 5). The worst being, it led to a sharp decline in global trade, eroding European prospects of trade. This in turn, provided safety regulator for local industries that are r educing their output. It is a mater of fact that many countries depend on trade for economic growth. This is one of the reasons as to why European countries should take stringent measures aimed at preventing such a recurrence in financial crisis. Economists still see sovereign debt crisis as something that is continuing in the European countries (Duthel 22). This has impact negatively on the countries affected since it makes it hard for some of the countries to be able to pay off their government debts without seeking third party assistance. This interferes with the smooth running of these countries and thus needs prevention and control measures to abate it. For instance, in 2009, there was growing fear of sovereign debt crisis among investors. This was because government debt levels were rising at an alarming rate across the globe coupled with government debt downgrading witnessed in some European countries (Jackson 4). The concerns grew from early 2010, calling on the finance mini ster of Europe to approve a package that could help rescue the nations. This culminated to approval of â‚ ¬750 billion for financial stability in Europe and establishing a European Financial Stability Facility (EFSF). The concerns also lead to leaders from euro zone signing an agreement in October 2011 and February 2012 aimed at designing measures to help mitigate collapse of European member economies. The agreement signed includes measures requiring banks to make up to 53.5 percent write-off of debts in Greece owed

Benefit of Leisure Essay Example | Topics and Well Written Essays - 750 words

Benefit of Leisure - Essay Example Although an individual gains when engaging in leisure activities, it is critical to point out that the society becomes healthy physically once members engage in leisure and related recreational activities as this expose elucidates. Individuals draw  various health benefits  from engaging in leisure activities. First, studies indicate that individuals who engage in leisure activities reduce their risk of becoming obese. On the other hand, obese people can engage in leisure activities related to walking in parks, engaging in trail walks, and related activities (State of California Resources Agency, 2005). In a society, whereby obesity cases have been on the rise with Ogden et al. (2014) indicating that  about  two-thirds of Americans are  either overweight or obese, the value of engaging in leisure activities that contribute to a healthy living cannon be overstated. In this case, individuals who engage in leisure activities reduce the risks associated with obesity since they start living a healthy lifestyle as physical activities reduces intra-abdominal visceral fats (State of California Resources Agency, 2005). Although the consumption of foods rich in fats is a primary contributor to obesity, it is s ignificant to point out that the prevalence of this condition, in the society, is strongly related to the failure by individuals to participate in physical activities than their consumption of foods rich in high calories (Welk & Blair, 2000). Hence, a society that motivates and encourages its people to engage in leisure activities ensures that it drew maximum physical health benefits from the population as they engage in activities that reduce their risks of becoming obese. In a 1996 report titled Physical Activity and Health: A Report of the Surgeon General published by the US Department of Health and Human Services, there is evidence to support the proof that the American society has lost lives from diseases and conditions that could be prevented

Critical Response to the film Remember the Titans Essay Example for Free

Critical Response to the film Remember the Titans Essay Remember The Titans is a film text, centered by the issue of the injustice of a persons race and how it is triumphantly overcome. It is an uplifting story how an American town, Alexandria, conquered overwhelming resentment, friction and disharmony brought on by racial discrimination and mistrust. The town is further thrown into chaos, as protests rage over the killing of an African-American youth and then the integration of the major local High school; T.C. Williams. The integration lead to the demotion of a much loved and highly successful head coach of the school state football team by the name of Bill Yoast, the jobs new occupancy went to an African-American by the name of Coach Boone, who ultimately suffers injustice because of his race and the fact he was replacing a white coach which brought chaos to the white community. The injustice displayed in the film Remember the Titians can be seen numerous amounts of times. Coach Boone sets a wonderful example of the town learning to trust each other and work together and shows the boys a funeral where people had died fighting the same fight people are still fighting today and the injustice of this situation to everyone. The film shows justice can be achieved on earth if people learn to respect each other. This barrier is overcome when one of the black teammates refuses to protect his white teammates because they wont block for the black teammates, they are made to spend time with each other and learn about each others culture which ultimately they learn to respect each other no matter what race or where they came from. This lead to friction in the community and the boys parents wanting Coach Boone fired because of the communities outrage that the highs school had been joined together and the injustice being showed to each other through murdering people becau se of there skin colour and the disrespect shown because of the persons race. As the team learns to show each other good morals, trust and respect during a time where the community were showing signs of discrimination, hate and mistrust and this is when Coach Boone showed the injustice of how his father died having to fight this same fight and the team ultimately responded and overcame the difficulties of having a multicultural team with the assistance of democratic and authoritarian coaching styles by both Coach Boone and  Coach Yoast. The coaching styles improved the players motivational skills there self fulfillment to work together and set an example to be treated equally, which made the coaches and players of different races share the same goals and perception of the injustice of the peoples mistreatment because of race. As the team became an top contender and where playing every game with such passion and serving a sense of justice to each other when people would use racial comments on the field no matter what the race every member would stand up for each other. As the team worked together and both coaches shared there perceptions the team really achieved greatly and this rubbed of into the community. As examples of the white policeman acknowledging and congratulating a black titans efforts goes to prove that justice was being achieved on our earth. The town started accepting everyone for who they are and the titans where treated very well by the community for giving them belief and a sense of pride where justice could be achieved for everyone. In one circumstance Coach Boone had been called a monkey but as the team was well disciplined and respectful of everyone this only inspired everyone in the titans to work harder for each other which resulted in a win not only for the game but for the team to change another persons perspective on racism and achieve the justice they deserved. When the injustice of Coach Yoasts hall of fame removal and the tragic accident of captain Garys car crash It showed in the final game they would win a come from behind victory and Coach Yoast would ultimately not resort to cheating and instead achieve his justice by helping his black partner Coach Boone achieve their goal togeather rather than resort to backstabbing and cheating to improve his own reputation and achieve justice on earth for himself and Coach Boon. This showed that even though Gary had his tragic accident he achieved hiss goal with his teammates of winning the final and teaching the community to respect everyone no matter what there race. This film was a great example of justice being achieved and giving everyone hopes through the Coach Boones leadership skills and charisma to inspire a team, community and a nation. The film showed how these people working together and being respectful of each other can truly inspire and set an example for everyone to achieve justice on earth. Treating everyone equally and teaching them the injustice of what had happened because of the war over race ultimately inspired the boys and the nation to achieve justice for everyone on earth.

My Personal Philosophy on Education :: Educational Teaching Teachers Classroom Essays

My Personal Philosophy on Education One of the questions I was asked most while growing up was, "What do you want to be when you grow up?" Little did I know that I would continue to be asked that very same question all the way up to the age of 25. Who could possibly know the answer to that question out of the many possible answers? It seemed like everyone did besides me. I have had so many interests throughout my life, but just couldn't decide what I wanted to do the rest of my life. I have always loved to be around children, whether it be babysitting, teaching, or assisting in Bible School and Sunday School. Many people in my family are teachers, including my mother. They are not just regular teachers who carry that title, but they are teachers who mean something to their students and schools and possess that positive intuition that all students can succeed through hard work and determination. It wasn't until the summer of 2000 that I finally answered the question, that for so long I always dreaded to h ear. "What do you want to be when you grow up?" I finally could say, "I want to be a teacher." How wonderful six words can make you feel. It wasn't just finally being able to answer others questions, but the joy of knowing I'm going to be someone who can make a difference in a child's life. Teaching holds an honor that allows me an opportunity to instruct students in hands-on experiences, to develop an atmosphere for learning, and to create a positive influence on the children with whom I am entrusted. I want to teach elementary aged children. What should be taught in school varies from individual to individual. However, the student's best interest must be kept in mind while planning a curriculum suitable to their needs. I would really like to work with the third and fourth grades, but that could change due to having experiences with the other grade levels. After graduation, I would like to work towards my masters and earn a degree in reading. I feel that reading is the basis for all learning. After receiving my masters, I would still like to continue with my education and be active in teacher supportive groups.

Industry Comes of Age

Spanning the Continent with Rails Deadlock over where to build a transcontinental railroad was broken after the South exceed, and in 1862, Congress commissioned the Union Pacific Railroad to b gin westward from Omaha, Nebraska, to goldbrick Over in California, the Central Pacific Railroad was in charge of extending the r aileron eastward, and it was backed by the Big Four: including Leland Stanford, the governor of California who had useful political connections, and Collies P. Huntington, an adept lobbyist.The Central Pacific used Chinese workers, and received the same incentives a s the Union Pacific, but it had to drill through the hard Ill. Binding the Country with Railroad Ties 1. Before 1 900, four other transcontinental railroads were built 2. However, many pioneers overstressed on land, and the banks that supported them often failed and went bankrupt when the land wasn't worth as much as initial y thought. IV. Railroad Consolidation and Mechanization Older eastern railroads, like the New York Central, headed by Cornelius Band rebuilt, often financed the successful western railroads.Advancements in railroads included the steel rail, which was stronger and MO enduring than the iron rail, the Westinghouse air brake which increased safest y, the Pullman Palace Cars which were luxurious passenger cars, and telegraphs, doubleheaders, and block signals. V. Revolution by Railways Railroads stitched the nation together, generated a huge market and lots of Joe BBS, helped the rapid industrialization of America, and stimulated mining and agric ultra in the West by bringing people and supplies to and from the areas where such w Org occurred. . Railroads helped people settle in the previously harsh Great Plains. 3. Due to railroads, the creation of four national time zones occurred on Novel beer 18, 1883, instead of each city having its own time zone 4. Railroads were also the makers of millionaires and the millionaire class. VI. Wrongdoing in Railroading Railroads were not without corruption, as shown by the Credit Immobile scans Jay Gould made millions embezzling stocks from the Erie, Kansas Pacific, the Union Pacific, and the Texas and Pacific railroad companies. . One method Of cheap moneymaking was called â€Å"stock watering,† in which rail road companies grossly overindulged the worth of their stock and sold them at hug e profits. 4. As time passed, though, railroad giants entered into defensive alliances to shoo profits, and began the first of what would be called trusts, although at that it me they were called â€Å"pools. † A pool (AKA, a â€Å"cartel†) is a group of supposed competitor who agree to work together, usually to set prices. VII. Government Bridles the Iron Horse 1.People were aware of such injustice, but were slow to combat it. 2. The Grange was formed by farmers to combat such corruption, and many sat et efforts to stop the railroad monopoly occurred, but they were stopped when the Sup Court issued its ruling in the Wabash case, in which it ruled that states could n tot regulate interstate Wabash, SST. Louis & Pacific Railroad Company v. Illinois commerce , such as trains. 3. The Interstate Commerce Act , passed in 1887, banned rebates and pools and squired the railroads to publish their rates openly .The act was not a victory against corporate wealth, as people like Richard Lonely, a shrewd corporate lawyer, no Ted that they could use the act to their advantage, but it did represent the first attempt t by Congress to regulate businesses for society interest. VIII. Miracles of Mechanization In 1876, Alexander Graham Bell invented the telephone and a new age was la munched. 2. Thomas Edison, the â€Å"Wizard Of Menlo park,† was the most versatile inventor, who, while best known for his electric light bulb, also cranked out scores of other in mentions. K The Trust Titan Emerges 1 . Andrew Carnegie used a method called † vertical integration, † which meant that he bought out and controlled all aspects of an industry 2. John D. Rockefeller, master of† horizontal Integration, † simply allied with or bought out competitors to monopolize a given market. 3. These men became known for their trusts , giant, monopolistic corporations. J. P. Morgan also placed his own men on the boards of directors of other rival competitors to gain influence there and reduce competition a process called â€Å"interlocking directorates.X. The Supremacy of Steel In Lincoln day, steel was very scarce and expensive, but by 1 900, Americans produced as much steel as England and Germany combined. 2. This was due to an invention that made stalemating cheaper and much more effective: the Bessemer process, which was named after an English inventor e even though an American, William Kelly, had discovered it first: 0 Cold air blown on redroot iron burned carbon deposits and purified it.America a was one of the few nations that had a lot of coal for fuel, iron f or smelting, and other e essential ingredients for steel making, and thus, quickly became #1. SKI. Carnegie and Other Sultans of Steel Andrew Carnegie started off as a poor boy in a bad job, but by working hard, assuming responsibility, and charming influential people, He started in the Pittsburgh area, but he was not a man who liked trusts; still, by 1900, he was producing 1/4 of the nation's Bessemer steel, and getting $25 million a year. . J. Pierson Morgan, having already made a fortune in the banking industry an d in Wall Street, was ready to Step into the steel tubing industry, but Carnegie threaten De to ruin him, so after some tense negotiation, Morgan bought Carnage's entire business s at $400 million (this was before income tax). Meanwhile, Morgan took Carnage's holdings, added others, and launched the United States Steel Corporation in 1 901, a company that became the world's first bill nodular corporation XII.Rockefeller Grows an American Beauty Rose In 1 859, a man name d Drake first used oil to get money, and by the asses, eke Rosen, a type of oil, was used to light lamps all over the nation. 2. However, by 1 885, 250,000 of Edition's electric light bulbs were in use, and the electric industry soon rendered kerosene obsolete, just as kerosene had made whale oil obsolete. Oil, however, was just beginning with the sloganeering internal combustion n engine. John D.Rockefeller, ruthless and merciless, organized the Standard Oil Company of Ohio in 1882 Rockefeller crushed weaker competitors-?part Of the natural process accords Eng to him-?but his company did produce superior oil at a cheaper price. XIII. The Gospel of Wealth Many of the newly rich had worked from poverty to wealth, and thus felt that some people in the world were destined to become rich and then help society with t heir money. This was the â€Å"Gospel of Wealth. † Social Darwinism † applied Charles Darning's surreptitiousness theories to easiness.It said the reason a Carn egie was at the top of the steel industry WA s that he was most fit 3. To run such a business. Corporate lava,n. Years used the 14th Amendment to defend trusts, the judges gar deed, saying that corporations were legal people and thus entitled to their property, and plutocracy ruled. XIV. Government Tackles the Trust Evil 1. In 1890, the Sherman AntiTrust Act was signed into law; it forbade combinations (trusts, pools, interlocking directorates, holding companies) in restraint of trade e, without any distinction between â€Å"good† and â€Å"bad† trusts. O It proved ineffective, however, because it couldn't be enforced.Not until 1 914 was it properly enforced and those prosecuted for violating the law were actually punished. W. The South in the Age Of Industry The South remained agrarian despite all the industrial advances, though Jam Buchanan Duke developed a huge cigarette industry in the form of the Aimer can Tobacco Company and made many donations to what is now Duk e university. Men like Henry W. Grady, editor of the Atlanta Constitution newspaper urged the South to industrialized. 3. The Impact of the New Industrial Revolution on America a As the Industrial Revolution spread in America, the standard of living rose, immigrants swarmed to the U.S. , and early Jeffersonian ideals about the dominance Of agriculture fell. Women, who had swarmed to factories and had been encouraged by recent inventions, found new opportunities, and the â€Å"Gibson Girl,† created by Charge s Dana Gibson, became the romantic ideal of the age. 4. Strong pressures in foreign trade developed as the tireless industrial machine threatened to flood the domestic market. XVI. The Impact Of The Industrial Revolution On America 1. The standard of living rose sharply and Americans enjoyed more physical co inform than their counterparts in other industrial nation.Older way of life changed. Rural immigrants used to living by nature had to a adapt to factory whistles. Wome n were profoundly affected by the new industrial age. They were intro educed to the age with the typewriters and telephone switchboard, a new image of an independent and athletic girl came out. XVII. In Unions There Is Strength With the inflow of immigrants providing a labor force that would work for low wages and in poor environments, the workers who wanted to improve their condition NSA found that they could not, since their bosses could easily hire the unemployed to TA eke their places. Industry Comes of Age Spanning the Continent with Rails Deadlock over where to build a transcontinental railroad was broken after the South exceed, and in 1862, Congress commissioned the Union Pacific Railroad to b gin westward from Omaha, Nebraska, to goldbrick Over in California, the Central Pacific Railroad was in charge of extending the r aileron eastward, and it was backed by the Big Four: including Leland Stanford, the governor of California who had useful political connections, and Collies P. Huntington, an adept lobbyist.The Central Pacific used Chinese workers, and received the same incentives a s the Union Pacific, but it had to drill through the hard Ill. Binding the Country with Railroad Ties 1. Before 1 900, four other transcontinental railroads were built 2. However, many pioneers overstressed on land, and the banks that supported them often failed and went bankrupt when the land wasn't worth as much as initial y thought. IV. Railroad Consolidation and Mechanization Older eastern railroads, like the New York Central, headed by Cornelius Band rebuilt, often financed the successful western railroads.Advancements in railroads included the steel rail, which was stronger and MO enduring than the iron rail, the Westinghouse air brake which increased safest y, the Pullman Palace Cars which were luxurious passenger cars, and telegraphs, doubleheaders, and block signals. V. Revolution by Railways Railroads stitched the nation together, generated a huge market and lots of Joe BBS, helped the rapid industrialization of America, and stimulated mining and agric ultra in the West by bringing people and supplies to and from the areas where such w Org occurred. . Railroads helped people settle in the previously harsh Great Plains. 3. Due to railroads, the creation of four national time zones occurred on Novel beer 18, 1883, instead of each city having its own time zone 4. Railroads were also the makers of millionaires and the millionaire class. VI. Wrongdoing in Railroading Railroads were not without corruption, as shown by the Credit Immobile scans Jay Gould made millions embezzling stocks from the Erie, Kansas Pacific, the Union Pacific, and the Texas and Pacific railroad companies. . One method Of cheap moneymaking was called â€Å"stock watering,† in which rail road companies grossly overindulged the worth of their stock and sold them at hug e profits. 4. As time passed, though, railroad giants entered into defensive alliances to shoo profits, and began the first of what would be called trusts, although at that it me they were called â€Å"pools. † A pool (AKA, a â€Å"cartel†) is a group of supposed competitor who agree to work together, usually to set prices. VII. Government Bridles the Iron Horse 1.People were aware of such injustice, but were slow to combat it. 2. The Grange was formed by farmers to combat such corruption, and many sat et efforts to stop the railroad monopoly occurred, but they were stopped when the Sup Court issued its ruling in the Wabash case, in which it ruled that states could n tot regulate interstate Wabash, SST. Louis & Pacific Railroad Company v. Illinois commerce , such as trains. 3. The Interstate Commerce Act , passed in 1887, banned rebates and pools and squired the railroads to publish their rates openly .The act was not a victory against corporate wealth, as people like Richard Lonely, a shrewd corporate lawyer, no Ted that they could use the act to their advantage, but it did represent the first attempt t by Congress to regulate businesses for society interest. VIII. Miracles of Mechanization In 1876, Alexander Graham Bell invented the telephone and a new age was la munched. 2. Thomas Edison, the â€Å"Wizard Of Menlo park,† was the most versatile inventor, who, while best known for his electric light bulb, also cranked out scores of other in mentions. K The Trust Titan Emerges 1 . Andrew Carnegie used a method called † vertical integration, † which meant that he bought out and controlled all aspects of an industry 2. John D. Rockefeller, master of† horizontal Integration, † simply allied with or bought out competitors to monopolize a given market. 3. These men became known for their trusts , giant, monopolistic corporations. J. P. Morgan also placed his own men on the boards of directors of other rival competitors to gain influence there and reduce competition a process called â€Å"interlocking directorates.X. The Supremacy of Steel In Lincoln day, steel was very scarce and expensive, but by 1 900, Americans produced as much steel as England and Germany combined. 2. This was due to an invention that made stalemating cheaper and much more effective: the Bessemer process, which was named after an English inventor e even though an American, William Kelly, had discovered it first: 0 Cold air blown on redroot iron burned carbon deposits and purified it.America a was one of the few nations that had a lot of coal for fuel, iron f or smelting, and other e essential ingredients for steel making, and thus, quickly became #1. SKI. Carnegie and Other Sultans of Steel Andrew Carnegie started off as a poor boy in a bad job, but by working hard, assuming responsibility, and charming influential people, He started in the Pittsburgh area, but he was not a man who liked trusts; still, by 1900, he was producing 1/4 of the nation's Bessemer steel, and getting $25 million a year. . J. Pierson Morgan, having already made a fortune in the banking industry an d in Wall Street, was ready to Step into the steel tubing industry, but Carnegie threaten De to ruin him, so after some tense negotiation, Morgan bought Carnage's entire business s at $400 million (this was before income tax). Meanwhile, Morgan took Carnage's holdings, added others, and launched the United States Steel Corporation in 1 901, a company that became the world's first bill nodular corporation XII.Rockefeller Grows an American Beauty Rose In 1 859, a man name d Drake first used oil to get money, and by the asses, eke Rosen, a type of oil, was used to light lamps all over the nation. 2. However, by 1 885, 250,000 of Edition's electric light bulbs were in use, and the electric industry soon rendered kerosene obsolete, just as kerosene had made whale oil obsolete. Oil, however, was just beginning with the sloganeering internal combustion n engine. John D.Rockefeller, ruthless and merciless, organized the Standard Oil Company of Ohio in 1882 Rockefeller crushed weaker competitors-?part Of the natural process accords Eng to him-?but his company did produce superior oil at a cheaper price. XIII. The Gospel of Wealth Many of the newly rich had worked from poverty to wealth, and thus felt that some people in the world were destined to become rich and then help society with t heir money. This was the â€Å"Gospel of Wealth. † Social Darwinism † applied Charles Darning's surreptitiousness theories to easiness.It said the reason a Carn egie was at the top of the steel industry WA s that he was most fit 3. To run such a business. Corporate lava,n. Years used the 14th Amendment to defend trusts, the judges gar deed, saying that corporations were legal people and thus entitled to their property, and plutocracy ruled. XIV. Government Tackles the Trust Evil 1. In 1890, the Sherman AntiTrust Act was signed into law; it forbade combinations (trusts, pools, interlocking directorates, holding companies) in restraint of trade e, without any distinction between â€Å"good† and â€Å"bad† trusts. O It proved ineffective, however, because it couldn't be enforced.Not until 1 914 was it properly enforced and those prosecuted for violating the law were actually punished. W. The South in the Age Of Industry The South remained agrarian despite all the industrial advances, though Jam Buchanan Duke developed a huge cigarette industry in the form of the Aimer can Tobacco Company and made many donations to what is now Duk e university. Men like Henry W. Grady, editor of the Atlanta Constitution newspaper urged the South to industrialized. 3. The Impact of the New Industrial Revolution on America a As the Industrial Revolution spread in America, the standard of living rose, immigrants swarmed to the U.S. , and early Jeffersonian ideals about the dominance Of agriculture fell. Women, who had swarmed to factories and had been encouraged by recent inventions, found new opportunities, and the â€Å"Gibson Girl,† created by Charge s Dana Gibson, became the romantic ideal of the age. 4. Strong pressures in foreign trade developed as the tireless industrial machine threatened to flood the domestic market. XVI. The Impact Of The Industrial Revolution On America 1. The standard of living rose sharply and Americans enjoyed more physical co inform than their counterparts in other industrial nation.Older way of life changed. Rural immigrants used to living by nature had to a adapt to factory whistles. Wome n were profoundly affected by the new industrial age. They were intro educed to the age with the typewriters and telephone switchboard, a new image of an independent and athletic girl came out. XVII. In Unions There Is Strength With the inflow of immigrants providing a labor force that would work for low wages and in poor environments, the workers who wanted to improve their condition NSA found that they could not, since their bosses could easily hire the unemployed to TA eke their places.

Customer Service Policies Essay

Research has indicated that there are a number of areas of customer service that are a priority for people. In particular, delivery, timeliness, information, professionalism and staff attitude are deemed important. Aspects of these key areas include a prompt initial contact with the customer and the ability to keep to agreed timescales, provision of accurate and detailed information with regular development updates, keeping promises and dealing with problems and issues in a professional and timely manner. Throughout all contact with customers, staff should aim to meet their needs through professional, courteous and efficient service. Staff will: * treat all customers with respect and courtesy; * listen to what customers have to say; * personalise service to the needs and circumstances of each service user where practical; * always do what they say they are going to do, or update the appropriate people promptly if things change, offering an explanation for the change; * respond to enquiries promptly and efficiently; * consult customers about their service needs Customer service is an organization’s ability to supply their customers’ wants and needs. Excellent customer service is the ability of an organization to constantly and consistently exceed the customer’s expectations. Accepting this definition means expanding our thinking about customer service; if we’re going to consistently exceed customers’ expectations, we have to recognize that every aspect of our business has an impact on customer service, not just those aspects of our business that involve face-to-face customer contact. Improving customer service involves making a commitment to learning what our customers’ needs and wants are, and developing action plans that implement customer friendly processes. Talmac delay policy| If your aircraft remains on the tarmac no later than two hours after leaving the gate for a departure, or touches down after an arrival, we will provide food and potable water from the normal on board catering. Whilst the aircraft remains on the tarmac, medical attention will be given if needed.| Customer service plan| Our staff is dedicated to ensure always a safe and enjoyable journey.| Flights delays| Will provide customers at the airport and onboard a delayed aircraft with timely and frequent updates regarding the delay, beginning 30 minutes after we become aware of such a delay.| Essential customer needs during extraordinary delays| On very rare occasions ,extraordinary events may result in lengthy onboard delays ;in this case we will make reasonable efforts to ensure that your essential needs, such as food, water, restroom facilities, and basic medical assistance are met.| Cancelling reservation policy| A reservation may be cancelled online or through the c ompany call centre within 24 hours of ticketing, for a full refund.| Assistance in case of delayed flights policy | Our company will take all the reasonable measures necessary to avoid delays on carrying you and your baggage. If a flight is being cancelled, or delayed by five hours or more, fail to stop at your place of stopover or destination, you can choose one of the three remedies set up below:1. We will carry you as soon as we can to the destination shown on your ticket, without charging you extra.2. Giving you or obtain for you an involuntary fare refund , without charging you extra.3. Giving you additional assistance , such as compensation ,refreshments and other care .| Baggage delivery| In the event that your checked bags do not arrive on your flight ,we will make reasonable efforts to ensure that the bag is returned to you within 24 hours.| Baggage liability| Liability for lost, damaged or delayed baggage is 1,131 Special Drawing Rights(SDR) per passenger.| Ticket refunds| Foe all tickets and services purchased from our company with a credit card or cash, refunds will be provided withi n 7 business days of receipt of the required refund information. | Accommodation of customers with special needs| We provide passengers with disabilities and all other special needs dignified, professional and courteous service and proper accommodation at all times ,including during lengthy tarmac delays.| Flights with oversales| If at departure time more customers with confirmed reservations are present than there are seats available, gate agents will first ask for volunteers who are willing to give up their seats in exchange for compensation and a confirmed seat on a later flight.| Lowest fare availability | Customers calling our reservation office or visiting our ticket offices or counters to purchase a ticket for a specific day and time will be offered the lowest fare available through our company, exclusive of Internet only fares.| Reasons for Customer Service Policy Developing customer service policies are the life blood of any business. Although customer policies are unique to each business ,there are still some guiding principles that all corporations should adopt. Successful customer service policies are guided by the following principle: knowing what your customers want and delivering on it .Having only a vague idea of what customers want means there can be no concrete policy in place for when problems or misunderstanding arise. Knowing what customers want will also lead to correct business decisions. In order to be competitive ,all businesses must have outstanding customer service practices and policies. Customer policies and relationship standards should be part of your mission statement, neither receiving substandard or preferential treatment over employees, contractors ,or even stakeholders. Providing great customer service is a great step in building a relationship with your clients. The greater the relationship you develop ,the more likely it is that your client will become an evangelist for your brand and your organization. Customer service department need way to measure their success. Employees can’t expect to provide your idea of great service if they don’t know what that means. In the book Award-Winning Customer Service, Renee Evenson writes ‘’Before you can expect the people in your organization to provide outstanding customer service ,they have to know how to give outstanding customer service.’’ Policies set service guidelines and train employees. Customers demand to be treated like their money matters .Having a policy is a pre-requisite to business. Just providing a body in a store to answer questions or having enough staff in a call centre to answer calls quickly will go unnoticed. A customer service policy is a way to design a standard to go beyond expectations. A customer service policy is a tool to give guidance to employees on how to solicit information from customers to improve products. Train your staff to be problem-solvers and to incorporate up-sell tactics to capitalize on the doors they’ve open by providing great service.

Free Essays on Albert Chong

Born in Kingston, Jamaica of African and Chinese ancestry. Albert Chong is the last of nine children of merchant parents. He left Jamaica in 1977 to permanently reside in the United States and attended the School of Visual Arts in New York from 1978 - 1981 graduating with honors. Chong's exhibiting career started in 1981, and in that year his son Ayinde was born. He has a daughter as well, Chinwe born in 1987. Chong taught at the School of Visual Arts NY, Mira Costa College, California. In 1988 Chong, and family moved to San Diego, where he attended the University of California, San Diego earning a Master of Fine Arts degree in 1991. He is presently associate professor of art/photography at the University of Colorado at Boulder. Albert Chong's photographs are in included collections both public and Private, national and international. The three main bodies of his photographic work include the I-Trait series, The Still life's, and the Thrones for the Ancestors. Other aspects of his work include mixed media sculptural Installations, Video, book works and objects. His works have been widely exhibited nationally and internationally in venues such as the Ansel Adams Center for photography in San Francisco, Africus:The First Johnnesburg Biennial, South Africa, The Cleveland Museum of Art, the Havana Bienal in Cuba and Center For Fine Arts in Miami. He is the recipient of several artist fellowships, including 1998 Guggenheim fellowship in photography and a 1998 Pollock/Krasner grant from the Pollock Krasner Foundation, a regional National Endowment for the Arts Fellowship in Photography, and a 1992 National Endowment for the Arts fellowship in photography.... Free Essays on Albert Chong Free Essays on Albert Chong Born in Kingston, Jamaica of African and Chinese ancestry. Albert Chong is the last of nine children of merchant parents. He left Jamaica in 1977 to permanently reside in the United States and attended the School of Visual Arts in New York from 1978 - 1981 graduating with honors. Chong's exhibiting career started in 1981, and in that year his son Ayinde was born. He has a daughter as well, Chinwe born in 1987. Chong taught at the School of Visual Arts NY, Mira Costa College, California. In 1988 Chong, and family moved to San Diego, where he attended the University of California, San Diego earning a Master of Fine Arts degree in 1991. He is presently associate professor of art/photography at the University of Colorado at Boulder. Albert Chong's photographs are in included collections both public and Private, national and international. The three main bodies of his photographic work include the I-Trait series, The Still life's, and the Thrones for the Ancestors. Other aspects of his work include mixed media sculptural Installations, Video, book works and objects. His works have been widely exhibited nationally and internationally in venues such as the Ansel Adams Center for photography in San Francisco, Africus:The First Johnnesburg Biennial, South Africa, The Cleveland Museum of Art, the Havana Bienal in Cuba and Center For Fine Arts in Miami. He is the recipient of several artist fellowships, including 1998 Guggenheim fellowship in photography and a 1998 Pollock/Krasner grant from the Pollock Krasner Foundation, a regional National Endowment for the Arts Fellowship in Photography, and a 1992 National Endowment for the Arts fellowship in photography....

Cross-Price Elasticity of Demand

Cross-Price Elasticity of Demand Cross-Price Elasticity of Demand (sometimes called simply Cross Elasticity of Demand) is an expression of the degree to which the demand for one product lets call this Product A changes when the price of Product B changes. Stated in the abstract, this might seem a little difficult to grasp, but an example or two  makes the concept clear its not difficult.   Examples of Cross-Price Elasticity of Demand Assume for a moment youve been lucky enough to get in on the ground floor of the Greek Yogurt craze. Your Greek yogurt product B, is immensely popular, allowing you to increase the single cup price from around $0.90 a cup to $1.50 a cup. Now, in fact, you may continue to do well, but at least some persons will revert back to the good old non-Greek yogurt (Product A) at the $.090/cup price. By changing the price of Product B youve increased the demand for Product A, even though theyre not highly similar products. In fact, they can be quite similar or quite different the essential point is that there will often be some correlation, strong, weak or even negative between the demand for one product when the price of another one changes. At other times, there may be no correlation. Substitute Goods The aspirin example shows what happens to the demand for good B when the price of good A increases. Manufacturer As price has increased, demand for its aspirin product (for which there are many substitute goods)  decreases. Since aspirin is so widely available, there probably wont be a great increase in each of these many other brands; however, in instances where there are only a few substitutes, or perhaps only one, the demand increase may be marked. Gasoline vs. electric automobiles is an interesting instance of this. In practice, there really are only a few automobile alternatives: gasoline automobiles, diesel, and electrics. Gasoline and diesel  prices, as youll remember, have been extremely volatile since the late 1980s. As U.S. gasoline prices reached $5/gallon in some West Coast cities, the demand for electric cars increased. However, since 2014 gasoline prices have fallen. With that, demand for electrics fell with them, putting automobile manufacturers in a peculiar bind. They needed to sell electrics to keep their fleet mileage averages down, but consumers began buying gasoline trucks and larger gasoline autos again. This forced manufacturers Fiat/Dodge  is a case in point to lower the price of electrics below their actual production cost in order to keep selling gasoline-powered trucks and muscle cars without triggering a federal government penalty.   Complimentary Goods A local Seattle band has a breakthrough hit millions and millions of streams, many, many downloads and a  hundred thousand albums sold, all in a few weeks. The band begins touring and in response to demand, ticket prices begin climbing. But now something interesting happens: as the ticket prices increase, the audience becomes smaller no problem so far because whats happening essentially is that the band is playing smaller venues but at greatly increased ticket prices still a win. But then, the bands management sees a problem. As the audience grows smaller, so do the sales of all those high mark-up collectibles band T-shirts, coffee mugs, photo albums and so on: the  merch. Our Seattle band has more than doubled the ticket price at $60.00 and is still selling about half as many tickets at each venue.  So far so good: 500 tickets times $60.00 is more money than 1,000 tickets times $25.00. However, the band had enjoyed robust merch sales averaging $35 a head. Now the equation looks a little different: 500 tix x $(60.00 $35.00) is less than 1,000 tix x ($25.0035). The drop in ticket sales at a higher price created a proportionate drop in merch sales. The two products are complementary. As the price increases for band tickets, the demand for band merch drops.   The Formula You can calculate the Cross Price Elasticity of Demand (CPoD) as follows: CPEoD (% Change in Quantity Demand for Good A)  Ãƒ · (% Change in Price for Good A)

S2. Costs of Lending ,read this part through the workbook and write Essay

S2. Costs of Lending ,read this part through the workbook and write down the understand of the . Costs of Lending - Essay Example Money can be made in profit if the measures employed in ensuring that the payment of money are clear so that money can compensate and be relent again. Costs are undergone and lending money this because if the money is not paid the agency undergo major costs if were enough collateral repay the cash A cost of lending is a thought that should be put under consideration when one is undertaking any money lending transaction. For this reason the costs of lending are the real consequences that are faced by the commercial institutions during and after lending money to organizations or individuals (Leila 2011). There are several hard ships and expenses that are undergone during the process of lending money. This might involve the bank into ending into very dangerous bad debts which will make the bank work at a loss which is highly dangerous for any commercial institution. Commercial and Corporate Lending As to my research commercial lending is the process by which money is lent to an establis hed organization as credit so that the operations taking place in the organization can proceed (Lance 2002). This money is lent to the business entity so as to give a hand in the operational expenses in the organization and also other forms of capitals required in the organization (Lance 2002). ... that when loans are secured from a commercial institution the first thing that they feature is attaining collateral from the party who requires the loan. Under my opinion corporate lending is just identical to getting a personal loan it is only that the money transaction will not take place between the bank and the person but it is normally made from the bank to a company. This lending is usually used with the involvement of the asset, structured finance or through the help of the cash flow (Kaplan 2008). For this reason this risk of one attaining a non payable amount of cash is discouraged because the person who requires the loan will receive a share that is directly proportional to the assets owned by the individual or company. Commercial Lenders Commercial lenders are the financial institutions that lend money to organizations and individuals with hard collateral being put in place as security to the loan (Kaplan 2008). These lenders include commercial banks, private lending insti tutions, hard money lenders and also financial groups that have enough amounts that can be used to lend. They have their own policies each that govern the transactions involving money so that they can evaluate the persons who are capable of getting their loans (Kaplan 2008). The commercial lenders are extremely attractive and one can access them through brokers who direct them to the money lenders. The brokers earn from looking for customers which is solely catered for by the customer or the borrower. Importance of Commercial Lenders The commercial lenders give the organizations and other individual who require cash in order to build and uplift the living conditions of the countries and the societies where they live. This will lead to growth and expansion of the country and the societies