Thursday, January 23, 2020
Canada Canada, is the world's second largest country and it is the largest country in the Western Hemisphere. It comprises all of the North American continent north of the United States, with the exclusion of Alaska, Greenland, and the tiny French islands of St. Pierre and Miquelon. Its most easterly point is Cape Spear, Newfoundland and its western limit is Mount St. Elias in the Yukon Territory, near the Alaskan border. The southernmost point is Middle Island, in Lake Erie and the northern tip is Cape Columbia, on Ellesmere Island. Canada is bounded on the north by the Arctic Ocean, on the west by the pacific Ocean, and on the east by the Atlantic Ocean and its associated bodies of water, including Baffin Bay and the Labrador Sea. Canada has an abundance of mineral, forest, and water-power resources. The mining industry has been a major force in Canada's economic development in the past and is still the main force in the advance and economic activity and permanent settlement into the northlands. The principal minerals are petroleum, nickel, copper, zinc, iron ore, natural gas, asbestos, molybdenum, sulfur, gold, and platinum; in addition extensive beds of coal, potash, uranium, gypsum, silver, and magnesium are found. Fresh water covers an estimated 756 276 sq km or 7.6% of Canada. The many rivers and lakes supply ample fresh water to meet the nation's needs for its communities and for irrigation, agriculture, industries, transportation, and hydroelectric power generation. Canada has four principal drainage basins: the Atlantic Basin which drains to the Atlantic Ocean by way of the Great Lakes and the St. Lawrence River, the Hudson Bay Basin which drains northward into Hudson Bay via the Churchill, Nelson and Saskatchewan rivers, the Arctic Basin which is drained by the Mackenzie River and the Pacific Basin which drains into the Pacific Ocean via the Fraser, Yukon and Columbia rivers. Canada has six major physical, or physiographic, regions: the Canadian Shield, the Arctic Islands, the Great Lakes-St. Lawrence Lowlands, the Appalachian Region, the Interior Plains, and the Cordilleran Region. In simple terms, Canada can be considered a vast, saucer-shaped basin, bordered by mountainous lands on the west, east, and northeast. Hudson Bay and the lowlands along its southern shore form the central depression of this... ... During the last 75 years, the Canadian economy has been transformed from on based primarily on agricultural production and the export of agricultural products and raw materials to one based primarily on its manufacturing and service sectors, as well as a mining sector of continuing importance. Canada's economy reflects an affluent high-tech industrial society and resembles the United States, with whom it has close economic ties. This is one reason why a large percentage of the population live by the U.S.-Canadian border. Another reason is because a large number of the manufacturing plants are located in the southern section of Canada. Canada is rich in natural resources. It is a world leader in value of mineral exports and produces and exports many of the mineral needed for modern industrial economies. It's soils which are especially rich in the three prairie provinces of Alberta, Saskatchewan, and Manitoba, are intensively utilized and make Canada one of the world's largest exporters of agricultural products. Forests cover much of the land, and Canada is the world's largest exporter of newsprint and a leading supplier of lumber, pulp, paper, and wood products.
Wednesday, January 15, 2020
According to the UCC, a holder in due course is a holder who takes an instrument for value in good faith and devoid of notice of assured claims, as well as defenses on the instrument. It is imperative in the case of Ã¢â¬ËAny Kind Checks Cashed, Inc. v. TalcottÃ¢â¬â¢ to determine if the holder of the instrument acted in good faith, in fair dealing as is compulsory in order to be considered the holder in due course. According to the Commercial Law Article 3-103 (a) (4); good faith refers to sincerity or honesty in fact and the adherence to logical commercial standards of fair dealing (Twomey, D., & Jennings, M.). Apart from this, the court upholds the trial court finding that Any Kind did not act in good faith when cashing a check for $10,000. However, Any Kind had been in good faith in later on cashing one more check for $5,700. I agree that Ã¢â¬ËTalcottÃ¢â¬â¢ was responsible for the $5,700 even despite the fact that he was illegally persuaded to issue a check (Legale .com). The procedures in place at Any Kind Checks Cashed, Inc.states that a supervisor that has the power as well as authority to approve checks over $2,000. However, the supervisor should have been more cautious due to the unusual amount of the check of $10,00.00. When the second check of $5,700.00 was presented the check cashing company had been in contact with Talcott getting his verbal approval for cashing a check. As a result, Any Kind Check Cashed Inc. satisfied the good faith prerequisites for a holder in due course. In reviewing if, the tellers actions where in accordance with good faith and acted reasonable within the commercial standards for accepting and processing the check. The fact is that the clerk did take action and question the intent of the check of $10,000.00 by calling the maker of the check Mr. Talcott, but was not able to reach him. As a resultÃ of not reaching Mr. Talcott the, the supervisor relied on her judgment and experience to make her decision to cash the check. Using her judgment coupled with appeared to be evidence the FedEx envelope showing that the FedEx was sent from Mr. Talcott the supervisor was acting in good faith but not in accordance with a the reasonable commercial code. There should have been some level of suspicion that someone would pay a 500.00 fee to cash a check and not go to his or her bank and collect the full amount of the 10,000.00. To a reasonable person this type of behaviour may raise a red flag as to the desperation of the person (payee) to cash such a large check. The check cashing store should have verified with the issuing bank to ensure that there was enough monies in the account to cover the check and verify that the check is good (no stop payment was issued). When Mr. Guarino presented a second check to the check cashing store for $5,700.00, the store reached out and spoke with Mr. Talcott asking him to verify the check for $5,700.00, which he verified. The check cashing store never mentioned the first check of $10,000.00. Perhaps they presumed that since Mr, Talcott approved the second check that and never said anything about the first one being of issue it may have seemed as a nonissue. If Any Kind processed the $10,000 check with proper caution and procedures beyond making a phone call and not getting an answer from the maker of the check. Any Kind should have contacted the bank the check was drawn on to verify that there was no issue with the check and not rely on experience and a FedEx cover. In order to ensure that they and preserved their status of the holder in due course status. The courts determined that Any Kind was not the holder in due course due to the manner in which they did not ensure that the check was valid before cashing and processing it. I agree with the courtÃ¢â¬â¢s decision in finding that Any Kind is not the HDC for the $10,000.00 since they were really negligent in the handling and processing of the check. I agree, with the courtÃ¢â¬â¢s ruling in favour that Any Kind is the HDC for the $5,700.0. Since Ã¢â¬ËAny KindÃ¢â¬â¢handled the process in good faith and within accordance with reasonable commercial standards according to the UCC 3-419 (Legale .com). References Cornell Law: Uniform Commercial Code. Retrieved Dec 30, 2014. http://www.law.cornell.edu/ucc/3/3-419 Ã¢â¬Å"Federal Reserve Bank: Regulation and compliance guide.Ã¢â¬ Federalreserve.gov. Retrieved Dec. 28, 2014. http://www.federalreserve.gov/bankinforeg/reglisting.htm ANY KIND CHECKS CASHED, INC. v. TALCOTT | Leagle.com. (n.d.). Retrieved from http://www.leagle.com/decision/2002990830So2d160_1973.xml_br Twomey, D., & Jennings, M. (2014). Kinds of Instruments, Parties, and Negotiability. Business Law: Principles For TodayÃ¢â¬â¢s Commercial Environment (4th edition ed., pp. 567- 568). Mason: Cengage learning.
Tuesday, January 7, 2020
Don DeLilloÃ¢â¬â¢s novel, White Noise revolves around the life of Jack, a Hitler Studies scholar at College-on-the-Hill. The characters within the novel all want to involve themselves with the events in an industrial American society. Jack and his fourth spouse, Babette are characterized by their love, fear of loss of life, and four seemingly civilized children. The family seeks to live in a society where the consumerism culture is highly influenced by media and companies. The charactersÃ¢â¬â¢ consumerism culture becomes influenced by the dangers of the industrial chemical cloud that hangs over their lives. This essay explores the importance of honesty in the wake of a consumerism culture that is highly influenced by the media and companies asÃ¢â¬ ¦show more contentÃ¢â¬ ¦Jack is shown as one who is highly established in his field of work. Unfair influences of the consumerism culture are to blame for the JackÃ¢â¬â¢s outfits and his professional title. In addition, the fact that only highly valued tourist destinations do record significant tourist visits could have persuaded Murray to look closer into the value of the site, perhaps due to media influences on his ideology. MurrayÃ¢â¬â¢s skewed analysis of the important tourist attraction as a seemingly worthless facility deserves more thought in order to uncover the actual reasons behind the highly toured places. In general, worthless tourist destinations play host to just a handful of visitors who upon noticing the worthlessness would not want to return to the site. By contrast, the landmark might have attracted significant public investment for a reason. MurrayÃ¢â¬â¢s perception that no credible difference exists between superficial and deeper meaning of the barn is highly dependent on skewed external forces within the media. Similarly, DeLillo mocks neo-modern humanÃ¢â¬â¢s inability to distinguish realism from the new Simulated Evacuation Ã¢â¬Å"they are still battling over funds forÃ¢â¬ (DeLillo 139). The Simulated Evacuation is arguably the most fascinating case showing the conflict between two opposing sides, but which could not be understood subjectively. The Simulated Evaluation is real occurrences, like the airborne incident, are employed in the preparations of
Monday, December 30, 2019
Elements of Art Line: The visual element of art that is a continuous mark made on a ground support and has one dimension - length. Lines are a very common part of everyday life. There are different lines that have various directions. Different line direction can suggest movement. The different directions of line areÃ¢â¬âhorizontal, vertical, diagonal, straight, and curved. Lines are considered to be one dimensional and are usually only measured in length. Depending on the thickness, thinness, or boldness of a line, the line can portray a variety of different moods and character. Horizontal lines go across - left to right. Vertical lines go up and down. Diagonal lines angle either up from left to right or down from left to right. Curved lines turn any number of ways. Ã¢â¬ ¢ Space: Space is the element of art that is the void area surrounding and within shapes and forms. Space is an element of art that artists use to create dimension and depth within their compositions. The amount of interest and atmosphere that the artwork can project to the viewer depends upon the successful development of space in a composition. This can dramatically increase the aesthetics of the work. There are two kinds of space, negative and positive. Positive space is the area that the shape or form occupies. Negative space is the empty areas around, above, below, and between the shapes and forms. Space is part of every piece of artwork, whether it is a two-dimensional piece, such as a painting, or aShow MoreRelatedVisual Elements Of Art Falls1236 Words Ã |Ã 5 PagesAn Ã¢â¬Å"unestablishedÃ¢â¬ piece of art that stuck out to me was railroad tracks. This work of art speaks to me because it reminds me of the many people who were slaves that tried to escape to freedom many year s ago. Their journey was filled with endless runinng trying to escape their old lives filled with danger, and abuse. These individuals were in search of an uknown world that awaited them. Moreover, it is reminiscent of leaving oneÃ¢â¬â¢s old life behind in search of something new, the unkown. The artisticRead MoreArt Activity Pl Demonstrating The Element Of Space1014 Words Ã |Ã 5 PagesArt Activity Plan: Demonstrating the Element of Space Art Activity Description: The students will be introduced to Man with a Hoe by Jean-FranÃ §ois Millet and my artwork. Then the students will learn about the element of art emphasizing on space. Subsequent, students will be invited to analyze our use of space. Students will discuss their interpretations of the painting and provide visual evidence to back up their ideas. Following, they will be invited to share their understanding of how the manRead MoreArt, Art And Art915 Words Ã |Ã 4 PagesArt, one of the most important ways for individuals to express their thoughts and feelings about things. Painting is one of the many artistic forms used to communicate the aforementioned. Paintings are often displayed at museums or art galleries in order to allow people to admire them and analyze their meaning. A painting that is displayed at the Albright-Knox art gallery in Buffalo, New York is La Vie Paysanne. French-Russian artist, Marc Chagall, painted La Vie Paysanne in the year 1925. InRead MoreJoe Tilsons Nine Elements1565 Words Ã |Ã 7 PagesNine Elements uses a wooden relief with acrylic, pearl and candy paint, to represent those elements that make up mass media pop culture. Tilson uses defined iconography that visually absorbs the viewer through its differentiation within the symmetrically structured borders of the wooden relief. It is a piece that allows the observer freedom to use the representative symbols of senses and concepts present in our every day life to take their own meaning of the piece. Joe TilsonÃ¢â¬â¢s Nine Elements, producedRead MoreThe Seven Principles Of Art1012 Words Ã |Ã 5 Pagesunderstanding of the seven principles of art. Ã¢â¬Å"The principal of art are the guidelines or the organizing factors in the visual arts that help artists to create designs and control how viewers likely react to art images and objects.Ã¢â¬ The topics that are included in this chapter are unity and variety; proportion; balance; emphasis; pattern and repetition; rhythm and movement. All of these topics demonstrates how they tie in with one another to create a piece of art. To elaborate more on the topics discussedRead MoreImportance of Art Education Essay1410 Words Ã |Ã 6 PagesThe arts are everywhere in our lives and have always been an important part of human daily experiences. The arts also are an enormous economic force in our world from fashion to design to the entertainment business; all are multibillion-dollar industries. Numerous studies have shown a positive correlation between a balanced and comprehensive education in the arts and high student standardized tests. A comprehensive arts education program helps students develop self-esteem, self-discipline, cooperativeRead MoreArt as a Mirror of Society678 Words Ã |Ã 3 PagesART AS A MIRROR OF SOCIETY Art is seen as mirror of our society. It is therefore a source of communication put into meaning by ones ideology and inspiration, which allows us to related to Art in our own way. Visual Arts evokes conversation and seeks to solve problems of creativity and visual communication which has become a dominant global, social, racial, political, religious and capitalist force. The commercialization and commodification of this Visual Art shapes perceptions of visual culturesRead MoreAnalysis Of Run Lola Run And Street Art I Love You 1030 Words Ã |Ã 5 PagesLola Run and street art Ã¢â¬ËI love youÃ¢â¬â¢ by Banksy both explore distinctively visual elements though various film techniques and visual techniques. The two texts aim to manipulate the way in which we explore and interpret the images we are exposed to in our world. One main reason these pieces interrelate is because both texts utilise various techniques in order to create distinctively visual elements which explores the basic aspects of life-love, time and chance. BanksyÃ¢â¬â¢s street art, Ã¢â¬ËI love youÃ¢â¬â¢ expressesRead MoreElements and Principles of 3d Design1588 Words Ã |Ã 7 PagesThe Elements and Principles of Three-Dimensional Design Design: v. to mark out, to plan, purpose, intend... n. a plan conceived in the mind, of something to be done... n. adaptation of means to end... The Shorter Oxford English Dictionary Elements of 3-D Design Space: distance, area, volume; physical space independent of what occupies it; absolute space. Line: the edge or outline of a form, the meeting of planes; linear materials include: wire, wood, metal rod, string or any materials withRead MoreThe Futurist Movement Of Art1172 Words Ã |Ã 5 PagesThe Futurist movement of art has been regarded as a movement of Ã¢â¬Å"artistic rupture. It was the rupture of the already existing genres and verse forms, categories such as Ã¢â¬Å"proseÃ¢â¬ and Ã¢â¬Å"verseÃ¢â¬ , and also phenomenaÃ¢â¬â¢s like Ã¢â¬Å"artÃ¢â¬ and Ã¢â¬Å"lifeÃ¢â¬ were put to questionÃ¢â¬ [ ]. Futurism brought about the first collages and the different forms of the arts such as poetry, painting music and theater had started to be brought together into something new [ ]. Development in the movement of futurism brought about what we
Sunday, December 22, 2019
Sigmund Freud, an Austrian psychologist, once said that Ã¢â¬Å"the ego is not master in its own house.Ã¢â¬ The novelLord of the Flies, written by William Golding, is an allegory for Sigmund FreudÃ¢â¬â¢s theory on the superego, the ego, and the id, and the constant struggle between the three psyches, which leads to a man becomingcrazy. The three characters in the novel which represent the three psyches are; the Lord of the Flies, Ralph, and Simon. The island that the boys are stranded on can be interpreted as the mind of the man. SimonÃ¢â¬â¢s death and the hunt for Ralph are both plot events that symbolize the struggle between the three psyches. The above quote is indicating that the ego is the consciousness in our mind, and though one would think thatÃ¢â¬ ¦show more contentÃ¢â¬ ¦At this point the boys have gone crazy and have no longing for civilization, and their fear of guilt is nonexistent. This plot event symbolizes that the id in the patientÃ¢â¬â¢s mind is now trying to destroy the ego. At this point of time, Simon, who is the superego, is murdered by the rest of the boys on the island. Now that the man no longer has a superego, the ego cannot do anything except please the id, therefore the id is winning, because of its overpowering desires. In the conclusion of the novel, when Jack and his tribe are about to kill Ralph, they all stumble upon a naval officer who had come to rescue them. This event represents that the mind has gone completely insane, and it has lost its superego. The naval officer represents the external help from a doctor or from society that the mind receives. When the officer arrives, all the boys start to cry; because they realize that what they have been doing is wrong. This could symbolize that the patient is recovering by the help of the doctor. These two plot events greatly support the allegory of a patient who is going crazy due to the struggle occurring in his mind. In the mind there are three psyches, the id, the ego, and the superego. They are always at struggle with the other. An allegoryof an insane personÃ¢â¬â¢s mind that loses his touch of humanity and almost falls
Friday, December 13, 2019
string(26) " is a duty to do no harm\." Medicare, the Uninsured, and International Healthcare Review Western Governors University Medicare, the Uninsured, and International Healthcare Review Healthcare and healthcare reform are hot topics of debate in todayÃ¢â¬â¢s society. As the population grows and life expectancy increases, the nation faces many challenges in providing healthcare benefits to the people. Ã¢â¬Å"According to the report, titled Income, Poverty and Health Insurance Coverage in the United States: 2010, 49. We will write a custom essay sample on Wgu Kot 2 or any similar topic only for you Order Now 9 million Americans or 16. 3 percent of the total US population had no health insurance in 2010. That percentage represents a slight increase on 2009Ã¢â¬â¢s figures, when 49 million citizens or 16. 1 percent of the population was uninsuredÃ¢â¬ (Gamser, 2011). Unless there is a turnaround in their economic downfall, unemployment rate, and healthcare reform these numbers will most likely continue to increase. This paper will discuss some of these issues and how they impact two different families. The paper will look at Mrs. Zwick, a 77-year-old female who was hospitalized for five days following a minor stroke and is then transferred to the skilled nursing facility for rehabilitation. Her rehabilitation is delayed 10 days into her stay due to a hospital acquired urinary tract infection. Discussion will include coverage for her medical care using Medicare Part A, Part B and Part D. Discussion will also include how the hospital acquired infection is not reimbursed by Medicare. Finally the paper will discuss how Mr. Davis, a gentleman with chronic sickle cell anemia and loses his job position due to his illness, will have the option to continue insurance coverage by way of the Consolidated Omnibus Budget Reconciliation Act (COBRA). Discussion will include two challenges that state or local government face when providing care for the uninsured with long-term or chronic illnesses. Elaboration on one of the challenges will be further described. Due to his frustrations with loss of his employment, healthcare coverage, and his chronic sickle cell anemia, Mr. Davis verbalizes he wish he lived in another country. Through investigation of healthcare in Great Britain, Japan, Germany, and Switzerland this paper will discuss which of these countries would best benefit Mr. Davis if you ere to become a citizen there. Mrs. Zwick was hospitalized for five days following a mild stroke, and then transferred to a skilled nursing facility for rehabilitation with projected discharge in 21 days. However it is discovered that she developed a hospital acquired urinary tract infection 10 days into her rehabilitation requires IV antibiotics to treat. The infection leads per week and unable to continue her rehabilitation until the urina ry tract infection is cleared. As a result, instead of 21 days in rehabilitation she has to stay 40 days. When discharged she was giving a prescription for several medications and a walker. Her daughter inquires about the bills from other is insured with Medicare Part A, Part B and Part D and asks the nurse if she can explain the benefits to her. Medicare Part A, which is also known as hospital insurance, is usually provided free since Medicare taxes are paid into the program while working. Ã¢â¬Å"Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facility, hospice, and home health careÃ¢â¬ (Medicare. gov, n. d. ). Cherry and Jacob (2011, p. 28) states that Medicare is a federal health insurance plan for Americans 65 and older and certain disabled people. The client must be eligible for Social Security or Railroad retirement. The nurse would explain that Medicare Part A will cover the cost of the hospital stay as well as the skilled nursing and rehabilitation stay. Medicare Part B she explains is considered to be the medical insurance. This will cover services such as physician services, services and supplies that are needed to diagnose and treat her medical condition and would also cover certain preventative services such as flu vaccines (Medicare. ov, n. d. ). This would cover the rehabilitation services that her mother has received while in the rehabilitation center as well as the walker that was prescribed by the physician at the time of discharge. Medicare Part D is the prescription drug plan. There are various options under this portion of Medicare and depending on the one that your mother has chosen would base the amount of coverage that she would receive for prescription medications. This does not necessarily cover the full cost of the prescription medications; there are deductibles and copayments that must be met. The hospital acquired rinary tract infection that Mrs. Zwick developed during her hospital stay is not covered by Medicare. Research of an article in Medical News Today states: Ã¢â¬Å"Starting in 2009, M edicare, the US governmentÃ¢â¬â¢s health insurance program for elderly and disabled Americans, will not cover the costs of Ã¢â¬Å"preventableÃ¢â¬ conditions, mistakes and infections resulting from a hospital stay. So for instance, if you are on Medicare and you pick up a hospital acquired infection while you are being treated for something that is covered by Medicare, the extra cost of treating the hospital acquired infection will no longer be paid for by Medicare. Instead, the bill will be picked up by the hospital itself since the rules donÃ¢â¬â¢t allow the hospital to charge it to youÃ¢â¬ (Paddock, 2007). Healthcare acquired infections (HAI) not only contribute to exorbitant amounts of financial burden on the healthcare system but also attribute to staggering numbers of patient deaths. Ã¢â¬Å"Healthcare acquired infections (HAIs) are infections that patients contract while receiving treatment for medical and surgical conditions. The U. S. Centers for Disease Control and Prevention (CDC) estimates that HAIs contracted in U. S. ospitals account for approximately two million infections, 99,000 deaths, and an estimated $4. 5 billion in excess costs annuallyÃ¢â¬ (Centers for Disease Control and Prevention, 2009) More recent results show a very minuscule decline in these types of infections. It is but a mere scratch at the surface of the deeply rooted problem within our healthcare systems. There are ethical implications as well in treating Mrs. ZwickÃ¢â¬â¢s healthcare acquired infection. As healthcare providers, there is a duty to do no harm. You read "Wgu Kot 2" in category "Essay examples" Ethically we must do the right thing as an advocate for patient safety. To attain these standards the healthcare provider must diligently be cognizant of infection control measures and ways to improve current practice. Examples include strict hand hygiene, aseptic technique, and current best practice as defined by evidenced based medicine. The continuous monitoring and surveillance of all healthcare acquired infections looking for trends. Perhaps it is a specific hospital unit or employee. These identifiers will assist through education and competency in the correction and prevention of future occurrences. Healthcare as a whole also has an ethical obligation to make known to the patient, patient families and the community these HAIÃ¢â¬â¢s when discovered. This paper will now focus on Mr. Davis who was terminated by his employer for extended absences due to hospitalizations from chronic sickle cell anemia. Even though Mr. Davis is unemployed his employer must offer him the opportunity to continue his healthcare benefit under the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA requires employers with more than 20 employees to provide the employee and his family the opportunity to continue medical benefits for up to 18 months. This includes voluntary or involuntary job loss, decreased work hours, changing jobs, and various life changing events. The employee may be responsible for paying the entire premium to continue this healthcare coverage. COBRA can also impose fines of up to $110 per day to employers that fail to offer continued healthcare benefits to the separated employee. (U. S. Department of Labor, n. d. ) Should Mr. Davis remain unemployed beyond the 18 month limit imposed by COBRA, state and local government are usually called upon to provide assistance. There are options available but often times these require months or even years to get assistance and quite frequently require the assistance of an attorney to receive benefits. Medicaid is probably the most widely known and the recommended source of state medical assistance. The Medicaid program is a federal and state grant program that used primarily for the disabled, low income families with dependent children, and people who are confined in nursing homes with low income levels. The state is responsible for setting the guidelines of eligibility for this program. Once Medicaid is approved for an individual, the coverage can be retroactive for up to three months from the time it was approved. Indigent and underinsured medical care must be funded by state and local government. This challenge is usually met through taxation. Each municipality and sometimes healthcare district must budget to provide care for its citizens through state and local tax. Depending on the economic region this can present a huge challenge. For example, areas of Florida where migrant farmers are present may have to budget more for healthcare than a wealthier district such as West Palm Beach. So in reality, all working citizens pay for the indigent healthcare in their particular municipality. In Texas such budgeting and care is known as the Indigent Health Care and Treatment Act passed in 1985. This act spells out what basic services must be allowed for the indigent in each county. If more care is provided then it is the local governmentsÃ¢â¬â¢ responsibility to pay for it. Other state and local programs may include State ChildrenÃ¢â¬â¢s Health Insurance Program (SCHIP) which is also a state and national government run program designed for families that donÃ¢â¬â¢t meet the minimum requirements for Medicaid due to income even though the income is still modestly below poverty level. Local and state governments may also provide other benefits such as free clinics, public health, Meals on Wheels, subsidized housing, discounted transportation services, food stamps, and free or discounted childcare for working parents. Local consumers have even pitched in by providing either free or drastically reduced prescription medications that are commonly prescribed to provide assistance during these tough economic times. Mr. Davis had mentioned in his frustration that at times he wished he lived in another country. His hope would be that healthcare would be more accessible to him. This paper will look at the healthcare system of four different countries Great Britain, Japan, Germany, and Switzerland. After a brief review of the healthcare systems in these countries this paper will focus on one countryÃ¢â¬â¢s health care system that would benefit Mr. Davis the most. Discussion of this countryÃ¢â¬â¢s healthcare system will examine areas such as medication coverage, pre-existing conditions coverage, requirements if necessary for healthcare specialist evaluation and the access for retired people, children, and the unemployed. The healthcare system in Great Britain is considered to be socialized medicine. Basically what this means is that the citizens of Great Britain pay taxes for health care and in return the government-run National Health Service (NHS) provides and pays those funds to healthcare providers. There are no fees when a patient sees a physician since most physicians and nurses are government employees. In order to see a specialist patients must first visit there general practitioner for a referral. Physician visits are free; however there are fees for prescription medications. Ã¢â¬Å"Young people and the elderly are exempt from all drug co-paysÃ¢â¬ (Public Broadcast System, n. d. ). A major problem with this healthcare system according to Tanner (2008 p. 4) is the extremely long waits for healthcare and depending upon the patientÃ¢â¬â¢s severity of illness, a procedure such as an open heart surgery for someone deemed too ill or too old by the government may be denied treatment. Switzerland has long been considered to have one of the best healthcare systems in the world. However it is not without its drawbacks. The overall cost for healthcare and Switzerland is second only to the United States. Even still is far less than what the United States spends on healthcare. All residents residing in Switzerland are required to purchase basic healthcare insurance with them three months of residency. Swiss law requires all citizens to purchase a basic package of health insurance, an individual mandate. The term basic benefits package is somewhat misleading since the required benefits are quite extensive, including inpatient and outpatient care, care for the elderly and the physically and mentally handicapped, long-term nursing home care, diagnostic tests, prescription drugs, and complementary and alternative therapies. (Tanner, 2008 p. 25) The Swiss government does provide assistance for those that are low income and canÃ¢â¬â¢t afford to pay the healthcare premiums. It is expected that citizens pay no more than 10% of their income on healthcare premiums. Referrals to specialists are not required by the primary care physician. There are no exclusions for pre-existing conditions. Private rooms in the hospital and dental insurance require a supplemental policy and are not covered in the basic plan. Healthcare in Germany is based primarily on two types of insurances, public and private insurance. Anyone earning a salary in Germany must have public health insurance. This public health insurance covers not only the employee of German citizenship but all nonworking dependents as well. There is no added cost for pre-existing conditions. Pregnant women are provided public health insurance for free. The premium for the insurance is around 5% of the personÃ¢â¬â¢s total income. Referrals are not required to see a specialist but higher co-pay may be charged. If a person opts out of the public health insurance for private insurance he cannot go back later to the public health insurance, even if income drops below the level required for private insurance (Underwood, 2009). The unemployed people are covered through a social fund which pays the physicians fee. This paper will now discuss the healthcare system in Japan. The Japan healthcare system would probably be the most beneficial for Mr. Davis of the four countries that we have researched. There are two types of healthcare insurance in Japan, National Health Insurance and EmployeesÃ¢â¬â¢ Health Insurance. Anyone who cannot afford healthcare insurance is provided with public assistance. The premium for the EmployeesÃ¢â¬â¢ Health Insurance is usually split between the employer and the employee; although there are some companies that will pay more. Ã¢â¬Å"Everyone in Japan is covered by insurance for medical and dental care and drugs. Insurers do not compete, and they all cover the same services and drugs for the same priceÃ¢â¬ (Arnquist, 2009). The government decides on the fee schedule. Insurance premiums are not held or inflated for pre-existing conditions. Premiums are based on taxable income for the National Health Insurance. This insurance is for the self-employed, retirees and students. Ã¢â¬Å"The financial resources for unemployment benefits are covered by insurance premiums paid by employees and employers (they equally bear the amount equivalent to 0. 8% of workersÃ¢â¬â¢ wages) and by the National TreasuryÃ¢â¬ (The Ministry of Foreign Affairs of Japan, 2011). Healthcare is free for all children under the age of six. So as a result Mr. Davis would be well covered under JapanÃ¢â¬â¢s healthcare system. Mr. Davis will have coverage for his medications, he would be able to see any specialist of his choice although a premium might be added without having a referral, and there is no denial or rate increase for pre-existing conditions and the healthcare system provides for children, the unemployed and retired persons. In summation, this paper has discussed Medicaid Part A, B, and D. There is discussion on how COBRA would help Mr. Davis continue his insurance while heÃ¢â¬â¢s out of work. There has been discussion of at least two challenges that both local and state government would face in providing care for Mr. Davis. And then finally there is some discussion of healthcare in Great Britain, Germany, Switzerland, and of course Japan which is the system that was chosen for Mr. Davis. While researching this paper it is discovered that healthcare reform is needed not only in the United States of America but throughout the entire world as well. The hope is that one day everyone will be afforded some type of healthcare coverage. References Arnquist, S. (2009, August 25). Health care abroad: Japan. Retrieved from http://www. prescriptions. blogs. nytimes. com/2009/08/25/health-care-abroad-japan/ Centers for Disease Control and Prevention (2009, December 31). Healthcare acquired infection and prevention plan. Retrieved from http://www. cdc. gov/HAI/pdfs/stateplans/or. pdf Cherry, B. , Jacob, S. R. (2011). Contemporary Nursing issues, trends, management (5th ed. ). St. Louis, MO: Elsevier Mosby. Gamser, M. (2011, September 16). US Census Shows Little Change in Number of Uninsured Americans. Retrieved from http://www. globalsurance. com/blog/us-census-shows-little-change-in-number-of-uninsured-americans-420520. tml Medicare. gov (n. d. ). Medicare Benefits. Retrieved from http://www. medicare. gov/navagation/medicare-basics/medicare-benefits/part-a. aspx? AspxAutoDetectCookieSupport=1 Paddock, C. (2007, August 20). Medicare will not pay for hospital mistakes and infections, new rules. Retrieved from http://www. medicalnewstoday. com/articles/80074. php Public Broadcast System (n . d. ). Sick around the world. Retrieved from http://www. pbs. org/wgbh/pages/frontline/sickaroundtheworld/countries/ Tanner, M. (2008, March 18). The grass is not always greener: a look at national health care systems around the world. Retrieved from http://www. scribd. com/doc/13673626/Ã¢â¬âtheÃ¢â¬âgrassÃ¢â¬âisÃ¢â¬ânot-alwaysÃ¢â¬âgreenerÃ¢â¬âaÃ¢â¬âlookÃ¢â¬âatÃ¢â¬ânationalÃ¢â¬âhealthÃ¢â¬âcare-systemsÃ¢â¬âaroundÃ¢â¬âtheÃ¢â¬âworldÃ¢â¬âCatoÃ¢â¬âpolicyÃ¢â¬âanalysisÃ¢â¬ânoÃ¢â¬â613Ã¢â¬â The Ministry of Foreign Affairs of Japan (2011). Second periodic report by the government of Japan under articles 16 and 17 of the international covenant on economic, social and cultural rights. Retrieved from http://www. mofa. go. jp/policy/human/econo_rep2/article9. html U. S. Department of Labor (n. d. ). Health plans benefits, continuation of health coverage-COBRA. Retrieved from http://www. dol. gov/dol/topic/health-plans/cobra. htm Underwood, A. (2009, How to cite Wgu Kot 2, Essay examples
Thursday, December 5, 2019
Question: Discuss about the Marketing Plan Of Central Queensland University. Answer: Introduction: Themarketing plan pertaining to Central Queensland University (CQU) entails numerous sets of internal and external analysis reflecting upon different aspects of the university. The report begins with a background study pertaining to CQU followed by summarizing and analysis the market of educational institutions in Australia. The demand analysis delves towards evaluating the prospects of CQU. Moreover, the segmentation and target market analysis focuses on reviewing and evaluating the different sets of market segment in the education sector in Australia. PEST analysis and competitors analysis facilitate external environmental analysis for the university. Moreover, through value and brand positioning analysis, the value creating abilities of CQU in terms of facilitating educational services are reviewed. Themarketing strategy and competitive strategy pertaining to CQU have been enumerated in the current study along with the creation of marketing budget. Background of the study: Central Queensland University has its main campus based in North Rockhampton along with a vast presence in all of Australia with over 20 campuses all over the nation including campuses in the metropolitan cities in Australia. Prior to becoming a university in 1992, CQU, it has been known as the Queensland Institute of Technology (About Us - CQU. 2017). The university is more popularly known as CQUniversity. The University first offered Bachelor of Science program back in the year 1979 with a total student strength of the university being 825 in that academic year. But the student strength of CQU increased considerably after initiation of distance education learning. The University currently has a student strength to the tune of over 35,000 and is ranked amongst the top100 young universities in the world occupying 90th rank along with being amongst the top 400 universities worldwide (Timeshighereducation.com, 2017). The university offers over 300 educational and training courses varyi ng from short-term courses and certificates to undergraduate, graduate and research studies (About Us - CQU. 2017). The university facilitated excellent education in several subject streams varying from law and management degrees to humanities to technology driven courses. Moreover, specialized programs based upon health sciences and service industry are also facilitated in the university. Market summary: Australia is one of the most preferred educational destination after US and UK for international students seeking higher education. The revenue generated by the Australian education sector from incoming international students in the last academic period stands close to AU$ 20 billion dollars (Education.gov.au 2017). The majority of the top universities in Australia have a higher proportion of international students to the tune of over 20% of overall student strength with CQU itself having over 5000 international students amongst its 24 campuses across Australia along with online course enrollments by overseas students. Australian education sector caters to over 750,000 domestic students annually in addition to catering towards international students through offering over 22,000 courses across 1,100 educational institutions in terms of graduate, undergraduate, research and vocational training degrees. The quality of the courses and curriculums provided by the Australian educational in stitutions are regulated by the Tertiary Education Quality Standards Agency (TEQSA). The education sector has facilitated towards job creation to the tune of 130,000 in the Australian economy with the education sector being valued at $21 billion (Ministers.education.gov.au 2017). Demand analysis: The demand for the courses in the Australia educational sector can be gauged by the revenue generation to the tune of AU$ 20 billion from the influx of international students seeking higher education degrees from Australian educational institutions. Earlier, the education sector in Australia was estimated to contribute around AU$ 19.5 billion to the economy, whereas the actual figure turned out to be nearer to AU$ 21 billion, which is AU$ 1 billion more than previously estimated (Ministers.education.gov.au 2017). The demand for higher education is primarily catered by the 43 universities in Australia. The most popular courses in the Australian universities and other educational institutions comprises of courses on Business Management, Health Sciences, and Humanities followed by Engineering and Information Technology Courses (Studyinaustralia.gov.au 2017). Being amongst the top universities in Australia along with a presence in over 24 locations has facilitated towards increasing the demand for CQU courses both in terms of undergraduate and graduate studies as well as training courses. Courses pertaining to business, accounting and law are the most popular CQU courses amongst the prospective domestic and international students followed by engineering courses (Gladstoneobserver.com.au 2017). Moreover, in terms of employment opportunities graduates of oral health, business courses and electrical engineering courses at CQU are showcasing the highest employability resulting towards the enhancement of demand for these courses. Moreover, there tends to be a high degree of demand for online distance education courses both from students based in overseas as well as students engaged in other full-time employments. Segmentation and Target market analysis: Baker (2014) mentioned that market segmentation is prerequisite towards the determination of marketing strategy. This is because the effectiveness of such strategy is dependent upon the identification of prospective consumers of the products or services that are offered by the marketer. The Australian education sector can be segmented based upon demographic attributes. In terms of figures, it is showcased that over 1 million of the domestic population in Australia have enrolled towards tertiary education with the majority of them opting for undergraduate courses while a sizeable proportion of such population being engaged towards vocational training (Profile.id.com.au, 2017). CQU does not differentiate between male and female students seeking enrollment and the selection of students pertaining to the different sets of courses are primarily based upon the merit of the students. CQU, as like other educational institutions, segregate the prospective students based upon the subject of in terest. For instance, the students are segregated into the category of art students, humanities students, business and accounting students, health sciences undergrads and engineering students and cater towards each segment through different sets of marketing strategies. Moreover, the population of the prospective students is also segmented into international students and domestic student. In addition, further segmentation pertaining to students to be enrolled at CQU are based upon whether such students shall be undertaking regular courses at the university or shall be opting towards online-based distance education courses. The medium for promotional activities is different based upon the nature of the targeted segments. The enrollment facilities are merit based and the differentiation in terms of course fees are dependent upon the nature of the course, whether the students is domestic or international or whether the student is a member of the Aboriginal community or a resident of To rres Strait Island. PEST analysis: Political Solomon (2014) mentioned that political factors tend to have deep underpinnings upon the various sectors and industries based upon in an economy. In terms of Australia, having a stable political environment in the country facilitates towards enhancement in its educational sector. This is owing to the fact that the government has considerable number of committees and department supervising and regulating the educational and academic environment in universities and other educational institutions in Australia. The Tertiary Education Quality Standards Agency (TEQSA) is the primary regulatory authority that evaluates the quality of education provided at the tertiary level in Australian and looks after the teaching practices and curriculums throughout the institutions offering tertiary education. Moreover, the Australian Education Regulation 2013 also impacts the educational infrastructure of the country coupled with the Vocational Education and Training (VET) regulators that regulate the curriculum and vocational services provided by the countrys educational institutions. Economic Lusch Vargo (2014) mentioned that the economic repercussions pertaining to the development of a sector or industry have. The education sector in Australia is the most major contributor towards exporting services after the tourism sector and solely through incoming international students generates revenues close to $20 billion annually (Monitor.icef.com, 2017). In terms of employment generation, the higher education sector in Australia facilitates employment of over 130,000 in the university and educational institutions comprising of teaching staff and non-teaching employees. Moreover, the influx of international students for the pursuit of higher education in Australia facilitates towards improvement in diplomatic relationships with other nations which result towards enhancement in trading relations fostering towards economic development. The economic growth arising from the influx of international students is primarily driven by the Chinese market owing to the reason that over 27% of the Australian education export earnings are derived from Chinese students annually (Monitor.icef.com 2017). Social Leonidou et al. (2013) mentioned that the social and cultural composition pertaining to a nation has a significant impact upon various sections of the society and has a relevant degree of indirect influences upon the different sectors in the nation. The presence of a robust and inclusive education system in Australia facilitates minority communities such as Aborigines towards improving their literacy rates resulting towards increasing degree of employment opportunities and economic betterment. Moreover, the social life is highly inclusive and tolerant towards the visitors belonging to other cultures and ethnicities. Thereby, in terms of international students visiting Australian in pursuance of higher studies the cultural and social atmosphere prevalent in Australia is student friendly and facilitates towards educational growth. Moreover, the coexistence of many communities in Australia in harmony and prevalence of religious tolerance facilitates towards a student environment conduci ve towards educational and academic growth. Technology Australia has one of the best higher education infrastructures around the world resulting towards a high degree of the influx of international students. Sheth Sisodia (2015) mentioned in the context of technological infrastructure that a robust technology-based infrastructure facilitates towards economic development as well as influencing various sectors of the economy in a highly productive manner. Technological development has a profound impact on the education sector in general and especially towards higher education. The use of cutting-edge technology in terms of impartment of education as well as relying upon the technological medium in order to promote educational courses towards domestic and international students by the educational institutions are primarily facilitated through advancement in technology. In terms of enrollment or towards furthering of research activities in universities as well as the smooth functioning of online based distance education courses are all faci litated through utilization of technological advancement. Competitor analysis: Griffith University is a major competitor of CQU and caters to over 50,000 students in both regular courses as well as distance education courses that are facilitated online. The university has five campuses in Australia in Gold Coast, Logan, Brisbane, Queensland, Mt Gravatt and South Bank. The university was established in the year 1971 and is headed by Chancellor Henry Smerdon and vice-chancellor Ian O'Connor. The academic departments in the university are segregated into four major sections comprising of Arts, Law Education, Griffith Business School, Griffith Health and Griffith Sciences (Griffith.edu.au 2017). The aim of the university is towards engaging in outstanding scholarship that has a high degree of impact towards the society along with emphasis on facilitating groundbreaking researches in its campuses. The primary objective of the university is towards becoming the most influential educational institution in Australia with a considerable recognition as an educational in stitution in Asia Pacific region as well as recognizing and valuing culture and educational diversity in its campuses (Griffith.edu.au 2017). The university positions itself as an innovation driven educational institution with strong academic prowess in terms of various subject streams. The university has an Office of Marketing and Communications that maintains the online website platforms and social networking sites facilitating online promotional activities. Moreover, the office also initiates events and on-campus promotions across schools in Australia for facilitating the enrollment of domestic students in the university. Moreover, the marketing and communications office at the University undertakes various online awareness programs regarding the degrees and certified programs offered by the universities towards its prospective domestic and international students. SWOT analysis: Strength Considerable presence in the Australian education sector with 24 campuses around Australia Catering towards educational services of over 35,000 students Offering over 300 courses in graduate, undergraduate, research studies and vocational training programs Weakness Limited international exposure with absence of offshore campuses Limited and inadequate degree of presence in metropolitan areas in Australia with small sized campuses with low student capacity in metropolitan areas Opportunity Increase in the number of internet users throughout the globe, as well as betterment of connectivity across borders, facilitates opportunity towards attracting international students Technological improvement facilitating offering of online based distance education courses by the university resulting in increasing number of enrollments Threats Severe degree of competition from other universities based in Australia Comparatively less efficient research facilities at the university as compared to top Australian universities Aggressive marketing tactics by other universities towards attracting international students Value and brand positioning analysis: Zeriti et al. (2014) stated that value positioning by an organization results towards evaluation of an organization's products and services by its prospective customers. The value positioning pertaining to CQU arises out of the differentiated services that are provided to the prospective students at its campuses. The educational services at CQU are disseminated between the establishment of campus, study center, study hub and delivery site. Services are differentiated between the four forms of CQU establishment where campus and delivery sites facilitate full component of their program. Whereas study center is a smaller version of campus and the study hub is primarily a facility for the students to utilize internet and computing facilities. In terms of brand positioning, the university positions itself as an educational instruction that is driven by innovation. Moreover, the company capitalizes upon its presence in 24 different locations across Australia along with course offerings of over 300 courses in order to position itself as a university facilitating courses in locations with the varied cost of livings and cultural environments. Proposed marketing aim and promotional objective for 2018: The proposed marketing aim pertaining to CQU should be towards reaching out to more number of international students both through its official website and social networking sites as well as through conducting and participating in overseas education fairs. Moreover, using school campus promotional campaigns in order to attract more number of enrolments by domestic students in the university. In addition, CQU should emphasize upon its presence in over 24 locations around Australia along with offering over 300 courses towards attracting students that are more international. Since international students bring in larger revenues as opposed to domestic students and students enrolled in online courses thereby the primary target of the marketing campaign shall have to be international students. Marketing mix strategies: Products CQU provides educational services pertaining to various streams and subjects ranging from business management courses to accountancy courses to humanities to technology-based engineering courses. The university offers over 300 courses and certificate programs that are aimed towards facilitating undergraduate, graduate and research based degrees along with offering various vocational training and courses. Price There is a prevalence of differentiated pricing in terms of charging enrollment fees and tuition fees from domestic and international students with international students paying more for enrollment in courses. Moreover, the course fees also differ based on the subjects covered in the courses. For instance, business management and engineering courses have a higher enrollment and tuition fees as compared to courses on humanities. Promotion The promotional activities of CQU are undertaken through different marketing channels. The most effective promotional activities comprise of online marketing campaigns through using the university's official website and social networking sites to reach out to both domestic and international students. Moreover, campus promotions in schools across Australia along with participation in an education fair in Australia and abroad facilitate promotional activities. Place CQU has a presence in over 24 locations across Australia with large and small campuses in various locations including metropolitan cities. The considerable presence in Australia enables the university towards catering to over 35,000 students annually. Competitive strategies: The university focuses towards intensive marketing of its online courses because the costs of facilitating courses online by CQU are lower than regular courses. Since the enrollments and course fees are more for the international students as compared to the domestic students thereby it is justified that the university primarily targets international students as compared to domestic students. Through its presence in Australia through 24 different campuses, CQU reiterates towards its mission of providing quality education anywhere across Australia from the metropolitan cities to the nations interiors. Media and budget allocation for 2018: Marketing Budget for 2018 Particulars Amount ($) Market research 100,000 Website Marketing 400,000 Marketing in Social Networking Sites 700,000 School campus marketing 500,000 Print marketing 300,000 Participation in domestic education fairs 250,000 Participation in international education fairs 700,000 Total 2,950,000 Market research is highly required in terms of strategizing the marketing campaign owing to stiff competitions from other universities in terms of attracting students. The emphasis upon online marketing is considerable owing to the fact that reaching out to both domestic and international students is efficiently facilitated through online marketing channels. Moreover, school campus marketing and participations in international education fairs are highly effective towards attracting domestic and international students respectively. Expected outcome: The expected outcome from the marketing activities pertaining to CQU shall be towards increasing the degree of enrollments of international students since the emphasis of the marketing campaigns is towards the prospective students from abroad. Moreover, through various school campuses promotion, the awareness regarding the courses and training provided by CQU are communicated to the domestic students. Conclusion: The current study entailed a thorough evaluation pertaining to internal and external analysis of CQU. The various forms of analysis undertaken through in the current study facilitated towards providing an overview pertaining to the education sector in Australia along with an enumeration of different factors that are affecting the enrollment prospects of CQU. References: About Us - CQU. (2017).Cqu.edu.au. Retrieved 30 May 2017, from (https://www.cqu.edu.au/about-us). Baker, M. J. (2014).Marketing strategy and management. Palgrave Macmillan. Education.gov.au (2017). Retrieved 30 May 2017, from (https://www.education.gov.au/higher-education-0) Gladstoneobserver.com.au (2017). Retrieved 30 May 2017, from (https://www.gladstoneobserver.com.au/news/engineering-still-popular-course-cqu/2903095/) Griffith.edu.au (2017). Retrieved 30 May 2017, from (https://www.griffith.edu.au/about-griffith/governance/mission-statement) Gummesson, E., Kuusela, H., Nrvnen, E. (2014). Reinventing marketing strategy by recasting supplier/customer roles.Journal of Service Management,25(2), 228-240. Leonidou, L. C., Leonidou, C. N., Fotiadis, T. A., Zeriti, A. (2013). Resources and capabilities as drivers of hotel environmental marketing strategy: Implications for competitive advantage and performance.Tourism Management,35, 94-110. Lusch, R. F., Vargo, S. L. (2014).The service-dominant logic of marketing: Dialog, debate, and directions. Routledge. Ministers.education.gov.au (2017). Retrieved 30 May 2017, from (https://ministers.education.gov.au/colbeck/australias-international-education-sector-worth-more-previously-estimated) Monitor.icef.com (2017). Retrieved 30 May 2017, from (https://monitor.icef.com/2016/11/australias-education-exports-surpass-aus20-billion/) Profile.id.com.au (2017). Retrieved 30 May 2017, from (https://profile.id.com.au/australia/qualifications) Sheth, J. N., Sisodia, R. S. (2015).Does marketing need reform?: Fresh perspectives on the future. Routledge. Solomon, M. R. (2014).Consumer behavior: Buying, having, and being(Vol. 10). Engelwood Cliffs, NJ: Prentice Hall. Studyinaustralia.gov.au (2017). Retrieved 30 May 2017, from (https://www.studyinaustralia.gov.au/explore-australia/explore-australia) Studyinaustralia.gov.au (2017). Retrieved 30 May 2017, from (https://www.studyinaustralia.gov.au/explore-australia/explore-australia) Timeshighereducation.com (2017). Retrieved 30 May 2017, from (https://www.timeshighereducation.com/world-university-rankings/central-queensland-university#ranking-dataset/612573) Zeriti, A., Robson, M. J., Spyropoulou, S., Leonidou, C. N. (2014). Sustainable export marketing strategy fit and performance.Journal of International Marketing,22(4), 44-66.