Health Insurance Policies

Health Insurance Policies

Health Insurance Policies

Discussion: Design of Health Insurance Policies
Note:Â This is a Post First assignment. You are required to post your original post before the discussion board opens for your review.
Health insurance is designed to protect patients from the risk of expensive medical services. The cost of insurance, however, is steadily rising. When costs are too high, healthier individuals tend to not purchase insurance coverage, resulting in a lower percentage of healthy individuals to pool with those who have health issues. This poses a challenge for employers and the government, as they are tasked with designing viable policies that balance cost and generosity of benefits. For this Discussion, examine the following scenario and consider the type of insurance policy the employer should design and provide for employees.
Scenario:
You are the employee benefits manager for a mid-sized construction company with 50 employees. You are responsible for working with insurance companies to design a health insurance policy to meet your company’s needs. An analysis of the health risks of your company’s employees indicated that there are two populations of typical individuals: 20­- to 30-year-old workers with no known health issues and 40- to 50-year-old workers with chronic diabetes. Assume that 40% of the employees fall into the second category of workers with chronic diabetes.
To prepare for this Discussion:
Analyze the provided scenario. What is the obligation of the employer and the government in insuring these two populations of individuals? How do moral hazard and adverse selection impact these insurance provisions?
Consider the type of insurance policy the employer should design and provide for its employees. Be sure to consider type and generosity of coverage, premiums, deductibles, and cost-sharing.
Â
 Write  a cohesive response to the following:
Analyze obligations of the employer and the government in insuring the two populations of individuals described in the scenario. Evaluate the impact of moral hazard and adverse selection on these insurance provisions. Then, recommend the type of health insurance policy

Population, Sampling, and Instrumentation

Population, Sampling, and Instrumentation

Population, Sampling, and Instrumentation
Mock Study: Population, Sampling, and Instrumentation
Continuing to build on your Mock Study plan, submit an updated outline reflecting any feedback you may have received (If no feedback has been provided submit the same outline as the prior weeks.)
Write a 1,750- to 2,400-word paper that introduces the population, sampling, and instrumentation for your mock study. Indent and include an updated outline identifying the population, sampling approach, sample size, its adequacy (statistical power), for your mock study; provide clear and concise information that:
11. Identifies your population, and includes the method you will use to select your sample.
12. Identifies your chosen instrumentation for your variables, that is, select an existing quantitative assessment instrument/s, for example, the MLQ, LPI, Burnout Inventory, state assessment exam, or NCLEX-RN exam that would be appropriate to the topic and the population.
Ensure that your outline is aligned. Include additional paragraph/s discussing how you would collect data from your participants. Summarize your paper with a conclusion at the end of your Microsoft® Word document including justification for your choices supported by references.
Format your paper so that it is consistent with APA guidelines.

the mocked data from an experimental study on the effects of particular type of vocational rehabilitation on employment of veterans with felony histories.

the mocked data from an experimental study on the effects of particular type of vocational rehabilitation on employment of veterans with felony histories.

Introduction
The following data is the mocked data from an experimental study on the effects of particular type of vocational rehabilitation on employment of veterans with felony histories.
ID Age at Enrollment Age at first arrest Years of Education Number of times fired
1 41 20 12 1
2 56 14 12 1
3 56 12 14 0
4 47 23 12 0
5 52 38 12 3
6 63 16 14 0
7 60 59 12 1
8 62 17 12 3
9 49 19 12 2
10 60 31 11 0
11 56 28 13 3
12 52 43 12 0
13 58 27 14 0
14 43 29 12 0
15 63 42 14 0

The data is SPSS would appear as follows:

Frequency Distribution
The following is the plot of the frequency distribution for “Years of Education”:
Education
Frequency Percent Valid Percent Cumulative Percent
Valid 11.00 1 6.7 6.7 6.7
12.00 9 60.0 60.0 66.7
13.00 1 6.7 6.7 73.3
14.00 4 26.7 26.7 100.0
Total 15 100.0 100.0

The table above shows the frequencies for the years of education as well as the percentage of each number. For example, the frequency of 12 is 9, meaning that there are nine veterans whose years of education is 12. The value is 60% of the total number of veterans

Figure 1. Frequency Distribution

The graph above is a visual representation of the data represented in the table above. It shows that the data (Years of Education) is normally distributed since the graph is symmetrical. The test for normality for the data can be seen from the table below:
Tests of Normality
Kolmogorov-Smirnova Shapiro-Wilk
Statistic df Sig. Statistic df Sig.
Education .372 15 .000 .753 15 .001
a. Lilliefors Significance Correction

The Shapiro-Wilk test is used to test for normality, and the data is normally distributed since its p-value of 0.753 is greater than the alpha level of significance, 0.001.

Principle to Financing

Principle to Financing

Principle to Financing
Develop a three- to four-page analysis (excluding the title and reference pages) on the projected return on investment for your college education and projected future employment. This analysis will consist of two parts:

Part 1: Explain how you made the decision to pursue an education in Business or Finance. Include a summary of expenses related to that decision, such as: cost of tuition, cost of books, the interest you may pay on any loans and any other associated expenses.

Part 2: Conduct research on your desired occupation and identify how much compensation (return) you expect to earn. How long will it take to pay back the return on this investment? Be sure to consider the trade-off between the cost of education and the expected return on investment.

The research paper should be comprehensive and include specific examples. The paper should be formatted according to APA style as outlined in the Ashford Writing Center. You must include at least two scholarly sources from the Ashford University Library or other scholarly sources other than the textbook to support your claims. Cite your sources in-text and on the reference page. For information regarding APA samples and tutorials, visit the Ashford Writing Center.

historical place visit

historical place visit

historical place visit
Paper requirements: 3-5 pages in length, meaning full text and not including title page, headers, and reference page. You must have at least onescholarly journal orbook that is properly used in the text as a citation and listed on the reference page in proper APA or MLA format.Websites are not accepted for citations!

• Your assignment is to write a paper on your visit experience to (The Carter House, Franklin, TN ) , answering the questions listed on this page but not limited to those questions.. Choose ONE site from the following list. You may propose alternatives to the Professor, but you must have approval.
• Be sure to read the Grading Rubric before writing the paper, and note that you lose major points if your paper does not meet minimum length.

Historic sites (suggested possibilities, sites not on this list must be approved by the Instructor):

1. How you prepared for the visit (readings, etc.)
2. A description of the historic site
3. What makes this site so historic and what are the most important aspects of the site?
4. Your impressions of the site: what were you most impressed by, were you surprised by what you learned, etc.
5. Would you recommend visiting this site to a friend—why or why not?
6. Why should this site continue to be preserved for future generations?

Historical Journal

Historical Journal

Historical Journal

Create a journal entry of 500-750 words reflecting on what your life would have been like as an immigrant to the United States from 1870 to 1920.
Be sure to include the physical, mental, and social issues you may have encountered.
Use a minimum of three of the sources provided to support your journal entry and be sure to cite the sources.
Prepare this assignment according to the guidelines found in the GCU Style Guide, located in the Student Success Center.
This assignment uses a rubric. Please review the rubric prior to beginning the assignment to become familiar with the expectations for successful completion.
You are required to submit this assignment to Turnitin. Refer to the directions in the Student Success Center.

Financial Analysis of a Public Company: Advanced Micro Devices, Inc. (AMD)

Financial Analysis of a Public Company: Advanced Micro Devices, Inc. (AMD)

Financial Analysis of a Public Company: Advanced Micro Devices, Inc. (AMD)
Perform a financial analysis on Advanced Micro Devices, Inc. (AMD). Do not rely on the company’s annual report since that is nothing other than a marketing tool. The primary emphasis of this analysis is finance complimented by accounting and economics although you can touch on other areas such as marketing, etc. THIS IS NOT A SWOT ANALYSIS. Writing needs to be succinct, terse and exact. Paper shoudl be no more than five (5) written pages not including cover page and bibliography. However, you can have as many appendices as it takes to support your position.

No more than 10% duplication with regard to writing of the paper
Properly cite the original source, whether it is a financial statement or it comes from a text. It makes no difference whether is is in the text or appendix, it must be correctly cited.
“Cutting and Pasting” is unacceptable, text must be in your own words.
Must have tutle page, page numbers and bibliography
Must follow APA formatting
Make sure the pro forma statements balance. For example, the end of year cash in the cash flow statement must equal the cash and equivalent in the pro forma balance sheet.

More info below…

PROCESS OF PERFORMING FINANCIAL ANALYSIS OF A PUBLIC COMPANY

GENERAL COMPONENT—No more than one paragraph describing the history of the

company.

ACCOUNTING COMPONENT

1. Obtain the most recent ten years of annual total sales (total revenue) data from the firm’s financial history. In addition use just the last three years for the firm’s financial statements

a. Income Statement

b. Balance Sheet

c. Statement of Cash Flow

2. Derive common size statements for the income statement and the balance sheet not the cash flow

a. Looking at trends in the data

b. Looking at variations in the same data as well as variations in the trends

ECONOMIC COMPONENT

3. How does the above relate to the market that the business is in, i.e. need to perform competitive and economic analysis:

a. Macro economic analysis—-is the company’s sales cyclical or counter cyclical for example?

b. Industry analysis—market share, is the company’s sales growing, declining, or staying the same? How is the company performing relative to its competition?

SWOT

4. The majority of the STRENGTHS and WEAKNESSES should focus primarily but not exclusively on the internal characteristics as it relates to function and resources of the company, namely ACCOUNTING/FINANCE, HUMAN RESOURCES, MARKETING, MIS, PRODUCT DEVELOPMENT, and etc. to name a few of the functions.

5. The majority of the OPPORTUNITIES and THREATS should focus primarily but not exclusively are forces external to the company, namely other company’s PRODUCTS and SERVICES provided to the market and the opportunities to maintain and or expand the business. Other external forces that need to be considered are EXPECTED CHANGES in the GENERAL ECONOMIC ENVIRONMENT, such as periods of expected inflation, recession, accelerated growth periods, and etc.

FINANCE COMPONENT

1, 2, 3, 4, and 5 should provide you the assumptions for deriving pro formas for each of the three financial statements (balance sheet, income statement, and statement of cash flow), and allow you to do your critical financial analysis with regard to the firm. The pro-forma should be forecasted out three years. Make sure you explicitly show your assumptions with good critical analysis. Finally, in your analysis you need to justify your conclusions, for example is the company in a strong financial position or not, why or why not?

Using Visual Aids Effectively

Using Visual Aids Effectively

Using Visual Aids Effectively

Watch Julian Treasure’s presentation called “Shh! Sound Health in 8 Steps”. As you watch his presentation, pay close attention to his visual aids and how he incorporates them in his speech. Using concepts from Lesson 6 and your assigned readings for the week, assess his use of visual aids. What techniques did he use? What visual aids stood out to you the most and why did they catch your eye? Do you think he uses visual aids appropriately and effectively for his presentation? Why or why not?

Police Powers I

Police Powers I

Police Powers I – Assignment 2

Police Powers I – Police Foun

1. Assignment Instructions
This Assignment is designed to test your ability to quickly research case law material and
provide your opinion on a legal matter. Each of the following scenarios is taken from actual
Canadian Criminal cases that have been adjudicated before the courts; and which are a part
of case law. The names in each scenario are fictitious. You can try to search for the
specific case, or one that is similar in the Canadian Legal Information Network and that
would help you in your response.
At the end of each scenario there is a series of questions that I want you to respond to. You
will restate the question in your response and provide me with your answer. You will also
provide me with any supporting documentation you feel is relevant. Definitions, case law
referrals and your own personal opinion should be included in your response.
You need not beat yourself up over this assignment; the correct answers lie within
dictionaries, the Canadian Legal Information Network and your own sense of right and
wrong. The success in this assignment will be measured by your participation, not by
whether you achieved the correct answer; answer the question to your best ability and
exhaust your thoughts. If you have a friend that is a police officer, try the questions on
them, ask friends and family; see how much they know.
Canadian Legal Information Network https://www.canlii.org/en/
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
2
2. Investigative Detention
In this case, a police officer saw a lone vehicle with two occupants parked in a dark area of
the rear parking lot of a closed gas station. The time was just past midnight on a dark and
windy night. There was a 24 hour donut shop and a closed restaurant nearby. The officer
pulled up about three feet away from the passenger side of the parked vehicle which had no
lights on and was not running. The occupants did not initially see the officer, but were
shocked when they did – the police officer saw the driver Chaisson, threw something on the
floor and tried to stuff something else under the seat.
The officer asked the men what they were doing and told them to get out of the car. As the
passenger exited, the officer saw, in plain view, a large plastic bag containing marijuana on
the floor and a small piece of the drug on the seat. The driver was arrested and placed in
the back of the police car; the passenger was also arrested and held outside the vehicle.
Neither of the two were read their rights at this time.
A search turned up two sets of scales in plain view, more marijuana under the driver’s seat
and just over a kilogram of marijuana in the trunk. After the search was completed – about
20 minutes after the arrest, the driver was advised of his right to counsel, taken to the police
station and searched further, which turned up additional drug items in his pockets.
1. In this case, the police relied upon the fact that the marijuana was in plain
view; would that provide the police with the authority to seize the drug?

2. Does the fact that the drug was found in the vehicle in plain view provide the
police with the authority to search the rest of the vehicle?
3. Was there anything in the actions of the police that would impair the
successful completion of this investigation?
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
3
3. Searching
In this case, two police officers responded to a homeowner’s “911” call that two armed men
dressed in dark clothing were outside his residence. The caller was frantic and police
received further information that the men were now believed to be on the roof.
The house was one of three located in an isolated area. Shots had been fired at one of the
other houses in a random, unsolved drive-by shooting two weeks earlier. The officers
parked their car nearby, walked to the house and spoke to the homeowner. The
homeowner felt that the suspects may have gone into a field, but there were no tracks in the
snow that had fallen that night. There were tracks leading up and down the driveway.
While at the scene; police officers approached a vehicle parked a short distance away from
their cruiser. The police did not hear it arrive and were concerned that the gunmen may
have returned. The two occupants matched the general description of the suspects –
males, wearing dark clothing – and were detained for investigation, ordered out of the
vehicle, placed on the ground, handcuffed and were asked what they were doing.
The driver Batzer, explained that he had been invited to come over by a resident of the
house, but got stuck in the snow as they arrived. They were patted down for weapons and
the car was searched but nothing was found. The glove compartment was checked on a
second search of the car and a zippered, nylon case with the word “Remington” – gun
manufacturer – written on the top. Police opened the case and found 22 grams of cocaine
and 13 ecstasy pills. The driver was arrested and charged with possession of drugs for the
purpose of trafficking.
1. In this case, the police relied upon the fact that the two men were suspicious in
nature in order to search the vehicle. Did the circumstances establish grounds
for the police to ask the vehicle occupants to identify themselves?

2. Did the police have the authority or any grounds to search the vehicle?
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
4
4. Passenger’s Rights
In this case, the police attempted to stop a vehicle for a violation under the Provincial
Highway Traffic Act. The vehicle driver sped off and made several hard turns to evade the
police officers. When the vehicle did stop, the occupants bailed out and fled on foot.
The passenger, whose name was Cooper, fled from the vehicle and ignored commands to
stop; he ran and hid in a nearby apartment building foyer. The pursuing officer chased the
passenger and found him huddled in a stairwell near the foyer. He was handcuffed and led
out of the building to where the other officers were standing. In their presence, the
passenger was patted down and searched for officer safety reasons. A butterfly knife was
found in the pocket of the passenger. This passenger gave a false name to the police and
was subsequently charged with weapons and criminal offences.
1. In this case, the passenger in the vehicle had not been involved in the driving
infraction and did not feel that he should have to confront the police; did the
police have a lawful reason for checking the passenger?
2. Did they have legal authority to stop and search the passenger?
3. Did the circumstances establish grounds for the police to conduct these
duties?
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
5
5. Police Trespassing
In this case, police officers were suspicious that a home owner, Mr. Hok, was growing
marijuana in his residence. On five separate occasions they went onto the neighbour’s
property, without permission, to view the suspect’s hydro meter. Late at night, the police
would creep into the neighbour’s yard and look over the fence at the suspect’s hydro meter.
The police found that the meter was spinning out of control and clearly the occupant of the
house was using a lot of hydro power.
The observations made by the police were used to obtain a search warrant that enabled
them to look for drugs at the suspects’ residence. On the evening that the police intended to
execute the search warrant they were once again observing the suspect’s home from the
neighbour’s property when the suspect came out of the door and walked to the street to see
who was snooping around his property. As the suspect got into his car the police arrested
him, patted him down and found a key in his pocket that opened the door to the grow
operation. While one officer detained the suspect, the other officer used the seized key to
enter the grow operation where he found that there were150 marijuana plants growing.
1. The police went on to private property to view the hydro meter of the suspect.
Were the police trespassing?
2. If you decide that they were trespassing, can the evidence they obtained while
trespassing be used to prove their case and give them authority to enter the
grow operation?
3. If you decide they were not trespassing, were the police in a legal position to
search and seize the key to the grow op?
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
6
6. Statements and Right to Counsel
In this case, the suspect was on holidays in Jamaica when he entered a police office and
orally confessed to the murder of a friend in Canada. The suspect Thomas stated that he
had to confess to the murder because it was causing him severe medical problems with
flashbacks and headaches.
The Jamaican Police did not believe the man at first, thinking that he was unstable; however
in time they asked the man to provide a written statement of facts. The suspect was not
given the Canadian Charter of Rights caution and he was not presented with his right to
instruct counsel; he was warned that anything he did say would be used as evidence.
The man gave an oral statement that outlined his involvement in the murder and then he
provided a written statement. The man was extradited for murder; his friend had been in
fact murdered as described by this suspect.
Once back in Canada the man refuted his statements and claimed that he was innocent.
The man claimed that he had not been afforded his right to counsel under the Charter of
Rights and Freedoms.

1. The question is whether the statements made to the Jamaican Authorities can
be used as evidence at trial in Canada.
2. What do you think of Thomas’ claim that he was not afforded a right to counsel
under the Charter of Rights and Freedoms?
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
7
7. Random Traffic Stop
In this case, a police officer was asked by a surveillance team to stop a particular vehicle
and determine who the occupants were. The officer refused to make the random stop, but
suggested that he would follow the vehicle in the event that the driver committed a violation;
at which time he would have grounds to stop the vehicle. As it turned out, the rear license
plate light was not working, so the officer initiated the stop.
When checked, the driver Mr. Yague was found to be the subject of an outstanding warrant
and he was arrested. It turned out that the passenger was the subject of a Court
Recognizance that ordered he not be in possession of cell phones or pagers; there was a
cell phone on the seat beside the passenger. The passenger was ordered out of the
vehicle; he was arrested and an officer safety search was conducted. Nothing was found on
the person of either suspect. The police searched the vehicle and found drugs and
paraphernalia in the vehicle; including a kilogram of cocaine that was inside a knapsack
sitting on the rear seat. Both the driver and the passenger were arrested and charged with
possession for the purpose of trafficking.
1. Indiscriminate and random traffic stops, by their nature violate a person rights
under the Charter of Rights; could this traffic stop be considered random in
nature?
2. If the stop was in accordance with the law, did the police have the authority to
search the vehicle?
3. Could they lawfully arrest each of the vehicle occupants? Did the
circumstances establish grounds for the police to conduct these duties?
Police Powers I – Assignment 2
Professor Mike Clarabut February 28, 2016
8
8. Searching Your Bags
In this case, a Ms Campenella was attending Provincial Court on a drug related charge. As
she entered the court house she noticed a sign that directed all those attending court to
proceed through a metal detector that would ensure there were no weapons on anyone’s
person. The woman proceeded to the queue and prepared to walk through the metal
detector.
As the woman approached the screening device, she was asked to place her handbag and
jacket on the conveyor belt which led to the x-ray machine. The woman did so and then
filed through the metal detector. After passing through the metal detector, the woman went
to pick up her jacket and handbag when she was approached by a security guard and asked
permission to look in her handbag. The woman questioned the search and was told that
she would have to submit to the search or leave the building. The woman agreed to allow
her bag to be searched.
Upon inspecting the woman’s handbag, the security guard found a bag of marijuana. The
guard called the police who attended immediately and took the woman to a private security
room near the security gate. The officer searched the woman’s jacket and found a roach
clip and another bag of marijuana. The woman was then arrested, read her rights and
issued a Promise to Appear; alleging a charge of Possession of a Narcotic Substance.
1. Did the security guard have legal authority to search the handbag of the
woman involved in this case? If so, why?
2. Should the suspect have been read her rights before the search began?

Social and Emotional Intelligence

Social and Emotional Intelligence

Social and Emotional Intelligence
What ideas or phrases come to mind when you hear the term intelligence? Prior to the current emphasis on emotional and social intelligence, individuals tended to associate intelligence with one measurement: intelligence quotient or the IQ. While the IQ focuses on intellectual abilities, emotional intelligence focuses on an individual’s awareness of his or her feelings and the feelings of others, and social intelligence focuses on an individual’s interpersonal skills (Zastrow & Kirst-Ashman, 2016, pp. 506-509).
To prepare for this Discussion, read “Working With People With Disabilities: The Case of Andres” on pages 28–31 in Social Work Case Studies: Foundation Year. Consider what you have learned about social and emotional intelligence in this week’s resources as well as what you learn about the person and environment as it relates to young and middle adulthood
An explanation of how social and emotional intelligence are related to cultural factors
An explanation about how you, as a social worker, might apply the concepts of emotional and/or social intelligence to the case of Andres
An explanation of how social workers, in general, might apply social and emotional intelligence to social work practice. (Include a specific example in the explanation.)

Be sure to support your posts with specific references to the resources. If you are using additional articles, be sure to provide full APA-formatted citations for your references.
What ideas or phrases come to mind when you hear the term intelligence? Prior to the current emphasis on emotional and social intelligence, individuals tended to associate intelligence with one measurement: intelligence quotient or the IQ. While the IQ focuses on intellectual abilities, emotional intelligence focuses on an individual’s awareness of his or her feelings and the feelings of others, and social intelligence focuses on an individual’s interpersonal skills (Zastrow & Kirst-Ashman, 2016, pp. 506-509).
To prepare for this Discussion, read “Working With People With Disabilities: The Case of Andres” on pages 28–31 in Social Work Case Studies: Foundation Year. Consider what you have learned about social and emotional intelligence in this week’s resources as well as what you learn about the person and environment as it relates to young and middle adulthood
An explanation of how social and emotional intelligence are related to cultural factors
An explanation about how you, as a social worker, might apply the concepts of emotional and/or social intelligence to the case of Andres
An explanation of how social workers, in general, might apply social and emotional intelligence to social work practice. (Include a specific example in the explanation.)

Be sure to support your posts with specific references to the resources. If you are using additional articles, be sure to provide full APA-formatted citations for your references.