Savings and Investment Essays - Finance, Money, Economy, Investment

Savings is the putting aside funds and a vehicle which returns the principal at some future point, and in the meantime delivers a rate of return in the form of interest. The principal does not gain any value, other than the interest paid out, and at the maturity or decision to liquidate the savings asset, has the beginning principal value. These vehicles are known and income producing assets. In other words there is no ?growth? aspect of savings vehicles. Investment vehicles differ in that there is not only a chance for an income, but also capital gains as well (when the underlying value of an asset increases about its face or maturity value). This security is considered to contain more risk (the possible of loss in value) than a savings security, but it does contain the possibility of an unlimited potential gain from value appreciation (growth). The individual investor must make the determination whether the safety of a guarantee savings return outweighs the riskier potential for a large return with an investment vehicle. The investment vehicle can also fall in value; the value can actually fall all the way to zero and the investment becomes worthless. A typical investor will expect a much larger potential return for the gamble to pay off versus the lesser but more certain return of a savings vehicle. Even with investment vehicles it is possible to share the risk of the potential return of investment securities. One can purchase the investment vehicle of a particular company and the fate of that investment is tied to that company?s fate and financial performance. However, pooling funds from a number of different investors can spread the risk and allow for better cost savings upon security accumulation. This is the benefit of a mutual fund. A mutual fund is created to pool together sums of money from many investors to allow for economies of scale on purchasing and sharing both the risk and reward of investment securities. Investing in a mutual fund allows for a greater spreading of the risk than investing in one or a few stocks of different companies. Diversification reduces overall risk because not all individual choices will perform well or poorly at the same time. If one does not do well, the others can make up some or all of the loss.

Essay about Lupus Electronic Health Records

Essay about Lupus Electronic Health Records Essay about Lupus: Electronic Health Records Southwest Florida College Alicia Howell November 3, 2013 Week 6 Ms. Fish Alicia Howell Week 6 Chapter 7 1. Problem list and problem oriented views of the chart organize the data by problem and encounter date. 2. Problem list provide an up-date list of the diagnosis and conditions that affect that particular pt’s care. 3. Problem list track both acute and chronic conditions. 4. Wellness conditions on the problem lists are used to generate preventive care recommendations for healthy patients. Wellness conditions are based on the age and sex of the patient and are used in health maintenance and preventive screening programs to keep healthy patients healthy. 5. Previous encounters or patient visits. 6. Citing from a previous exam note means to bring a finding into the current encounter usually as a follow-†up to a previous visit. 7. Comparing the change of certain test components over a period of time. 8. Click on the Graph menu, and click on the menu item Weight. 9. Numerical values 10. An order that has been sent to the lab for which no results have been received. 11. Highlight the finding to be graphed, click on the graph menu, click on the menu item "current finding." 12. Plan section of previous encounters. Additional information: Findings from any group can be added to the Care Plan manually. 13. Clicking on the labels over the columns of data. 14. On the Problem List tab right mouse click on a problem and select "Resolved" or "Clear This Problem" from the drop-†down list. Electronic health records can provide many benefits for providers and their patients, but the benefits depend on how they're used. Meaningful use is the set of standards defined by the Centers for Medicare & Medicaid Services (CMS). Incentive Programs that governs the use of electronic health records and allows eligible providers and hospitals to earn incentive payments by meeting specific criteria (cms.gov). The benefits of the meaningful use of EHRs include: Complete and accurate information. With electronic health records, providers have the information they need to provide the best possible care. Providers will know more about their patients and their health history before they walk into the examination room. Better access to information. Electronic health records facilitate greater access to the information providers need to diagnose health problems earlier and improve the health outcomes of their patients. Electronic health records also allow information to be shared more easily among doctors' offices, hospitals, and across health systems, leading to better coordination of care. Patient empowerment. Electronic health records will help empower patients to take a

Position Paper Movie Review Example | Topics and Well Written Essays - 1250 words

Position Paper - Movie Review Example In other words, there are substantial issues and various points linked to autism. What is most important is to come up with relevant point of view about it. The work at hand points out some relevant views about autism based on the point of view of the film. At certain point, the film simply showcases the thought that autism could be due to environmental toxins. This has remarkable basis, which particularly includes the prevailing lifestyle of the people in the modern world. With the advancement of technology and the innovative approach of creating something new in the market place, people are bound to experience relevant health, psychological and emotional variations. At some point, one remarkable change that may be brought by this is relevant to the level of learning of an individual. Autism based on the film is considered as a problem associated with learning. A person having difficulty in learning might be highly influence by the presence of autism or any symptoms associated with it. However, the thought that this might be due to environmental toxins remains debatable. For this reason, there is another point of view that surfaces. The issue about neurodiversity is so strong that it encourages everybody to support a person under the condition of autism. For the reason that there are only few cases of autism and average people do not act the way an autistic person does, many experts believe that it is quite substantial point to consider that autism is not a normal mental condition after all, but something that requires moral support from all concerned. This view is humanistic in its approach, and in fact, this is how the film presents the point of looking at autism as something that may require substantial public consciousness. Based on these thoughts, there are vital topics or concerns that may be good items for teachers to consider. Taking into account the concept of learning and the prevalence of autism are phenomenal ideas. Banking on the point of

Human Resource Management practices and their impact Essay

Human Resource Management practices and their impact - Essay Example In other words an HRM policy and initiative based analysis is a near approximation of an otherwise intractable continuum which lacks definable contours and a logical conceptual framework of reference. While theoretical constructs underlying this approach have been presented as a uniform analysis there is very little attention being focused on the qualitative paradigm shift caused by the a priori and a posteriori catalytic changes. Thus the qualitative shift in this study is essentially based on these outcomes and the latest calibrations and/or benchmarks enunciated by researchers to establish a conceptual framework for analysis. This paper just focuses on the latest HRM related practices and their theoretical evolutionary process with reference to a company's operational environment at a global level. Multicultural workforces in the context of the modern business organization have been studied with specific reference to international Human Resource Management (HRM) practices. HRM according to Armstrong "is the strategic and coherent approach to the management of an organization's most valued assets - the people working there who individually and collectively contribute to the achievement of the objectives of the business" (Armstrong, 2006). HRM involves such tasks as recruitment, training & development (T&D) of skills, employee relations, retention and motivation strategies, workplace culture and delegation of power, authority and responsibility. Thus a far more strategic significance is assumed by its country-specific and organization-specific contexts than any other dimension.Business organizations operate in their respective environments as determined by organizational structure, culture, leadership style, strategic competitive environment and a host of other internal and exte rnal influences such as the regulatory framework (Handy, 1999). Given the degree of influence under these circumstances, each organization adopts its own leadership style with a view to achieving organizational goals such as profits, market share growth, higher share prices, quality improvements, brand loyalty, sustainability and benchmarks. These organizational goals can be divided into short term goals and long term goals. Theoretical and conceptual contingency model-based convergence/divergence approach to Human Resource Management (HRM) policies and initiatives has received greater attention in the current period due to highly articulate employee retention strategies at the individual firm level. Thus the model building effort in this analysis is based on the available literature on the subject at a global level along. In other words an HRM contingency model is a near approximation of an otherwise intractable continuum which lacks definable contours and a logical conceptual framework of reference. While theoretical constructs underlying this approach have been presented as a uniform analysis there is very little attention being focused on the qualitative paradigm shift caused by the a priori and a posteriori catalytic changes. Thus the qualitative shift in this study is essentially based on these outcomes and the latest calibrations and/or benchmarks enunciated by

Outline the essential skills required for an undergraduate to equip Essay

Outline the essential skills required for an undergraduate to equip themselves for employment as a Bio-scientist in the 21st century - Essay Example dical engineering, biophysics, botany, cell biology, ecology, food science, forensic science, genetics, immunology, microbiology, molecular biology and zoology. Below are the brief descriptions of the following according to North Carolina Association for Biomedical Research (NCABR, 2006a): Biophysics – employment of physics and chemistry principles and mathematical methods to comprehend how the biological system process. It aims to rationalise biological function through molecular structures and specific molecule properties. Zoology – focuses on the study of animals from their structure to the subcellural unit, also with the functions of the animal bodies, the inherited characteristics, the animals’ interaction with another and their behaviour (NCABR 2006a). The growth of bioscience has been astonishing as it can be characterised as exceptional due to the intense new findings and propagation of the methods and procedures used for the study (IUBMB 1999). Moreover, as the world of science becomes more complex over time, the boundaries that used to separate one kind of science from the others are starting to disappear – on the part of bioscience, each of its subcategories have began to communicate the same way and utilise tools used by other (IUBMB 1999). Bioscience has given bio-scientists the capabilities to search comprehensively through aspects of life which are wrought with questions (University of Leeds n.d.). Through the biosciences, various new discoveries and innovations were made that could aid and change people in their daily lives. These developments are made for cancer treatment, disease recognition and identification, biochemical production, pollution and energy consumption reduction, bioterrorism detection, and genetic analysis (Farmingdale State University of New York n.d.). Bioscience does carry huge benefits; however, along with it are are risks and dangers. Along with the various technological innovations, bioscience also helps in

Social Media Versus Traditional Media

Social Media Versus Traditional Media What are the benefits of Social Media over Traditional Media? As both traditional and social media are emerging out for the leadership role in commanding and attracting consumer attention, but its worthwhile to limelight on some of the undeniable benefits of social media over traditional media1. Cost:-Social media Field is open to all with almost no barriers to entry to new entrants to create or distribute Social media context. Only time and production costs are the sunk cost involved in social media. With this investment the context rebound with glance in web unlike TV, radio and newspapers. Intimacy:-Social Media can broadcast information to thousands or millions of people at once with superior quality of dialogues and specificity which traditional media lags. Proximity:-Most importantly to say time and distance has virtually disappeared which acted as barriers between customers and the globe. Social Media has brought the globe together by connecting community like never before. Targeting:-Social media has specific advantage over isolating and focusing on brands or products depending on the customers interest by regularly monitoring and sourcing information. Nimbleness: Social media has a unique advantage as it allows brands to adapt to consumers buying and sharing habits almost instantly as it keeps informed about the area of interest of the customers. Measurement:-Social media can measure brand messaging almost instantly with the customers response to brands and each other across networks, platforms and apps.Whereas traditional media rely on long term measurement tools. Exponential:-As difficult it is for a brand to create its base same is for Social media but after it strikes the exponential growth for social media is limitless and repeatable at lower cost. Participatory:- As barriers to entry is almost equal to zero it encourages customers to participate in commercial dialogues.Dream of brands and consumers in dialogue has finally come true through Social media ,thanks to real-time communication tools. Newness:-Social media is well aware of the new preoccupations of customers but still it has the ability to constantly evolve to meet the customers demand. Social media retains with new shines with reflecting light of new re-engaging consumer attention. Future:-Social media has already focused on brand advertisements following on customers eye ball, it will shortly follow customers adoption of mobile community which will bring a new dynamic for social media. Future is bright and vast for Social Media. 1http://simonmainwaring.com/blog/uncategorized/top-ten-advantages-of-social-over-traditional-media/ Is social media disruptive to traditional media? Social Media applications are basically built on Web 2.0 technology. Social Media today has not emerged completely. Observation of the rise of social media reveals that the number of users of Social Media is increasing. The rate of increase of users is also on the rise. The users of social media now, belong to the early majority group. Since the evolution of social Media began recently and the users belong to early majority group, Social Media has a long way to go. Within this short time and less number of users, Social Media has started taking the share away from Traditional Media. Many firms, today think Social Media as the best Marketing Platform considering the advantages of Social Media over traditional Media. Consider the example of Pepsi, which preferred traditional Media over Social Media. Pepsi thinks, it can attract more customers using Social media rather than traditional Media and started investing $20million in Social media campaigning. Dell is the perfect example of success of return on Investment from Social Media. It has gained $6.5 million sales revenues only from twitter in a very short time. It is expecting its revenues to grow substantially from Social media in future. With the success of Dell many firms are embracing Social Media for Marketing. Coca Cola has started a new department for Social Media Marketing, formulated Social Media Strategy and Social Media Policy. Since, Social Media is a networked industry, i.e., the value for a user increases with increase in number of users and as the value for a user is increasing more users are embracing the Social Media. The number of users is also increasing with the increase in complementary products. For example, in Facebook, number of complimentary products is increasing with increase in number of users and vice versa causing Snow ball effect As the value of Social Media is increasing, users of traditional media are moving towards Social media. Even, the number of Social Media sites is increasing, however, different sites serving different users. The evolution of Social Media is not complete. Hence, once the Social Media is evolved completely, traditional media can become obsolete. What is Social Media Marketing and how does it benefit the producers? Social Media Marketing is the use of various social networking sites for the promotion of some product, service, company or organization. Commonly used social media marketing sites are YouTube, Facebook, Twitter, LinkedIn and Wikipedia etc. The marketing done using these resources is said to be Social Media Marketing and it is usually beneficial for the producers in following ways Traditional and social media are struggling between each other to attract the consumer attention even though there are some advantages of social media. Bellow there are some points to strengthen our views2. 1. Cost: The cost factor is quite small for the social media. On the other way the cost entry barrier for creating and distributing the Social media is quite small. There are some short of initial investment in terms of developing the social media and time is also needed but if we discard this two small investment it is almost free. It doesnt bear any additional expense like TV, print media and Radio and move into the wave indefinitely to serve the targeted customers. 2. Intimacy: If we look at the potential pitfall of the traditional media we will see that traditional media normally need to broadcast to its large customer base (may be millions of customers) at a time which robs in terms of the specificity and the dialogue of traditional media. But in case of a social media this draw back could be overcome. 3. Targeting: While targeting a specific segment of the market or the specific segment of the customer the social media is much more specific or in the other way it could be easily distinguished in this respect. In the social media space that particular customer base share their ideas and thoughts about different products of their interest and distribute them among each other. 4. Nimbleness: Social media is much more agile in terms of the external environment change as compare to the traditional media. It takes very less time to respond to the external environment change and impacts the consumer buying and sourcing behavior instantly. But on the other hand traditional media takes a bit more time to take change as compare to the external environment. 5. Measurement: In case of the traditional media the measurement style of the effectiveness of the brand messaging is quite time consuming and lengthy process. But in the other hand in case of a social media it is instantaneous. In the social media space the customer reacts to the brands, the platforms and the applications instantaneously. In any case if that response becomes negative the social media have some chances to react to that negative response. 6. Newness: Traditional media is hardly unique in terms of the consumer per-occupation with whatever is new. Even though the huge demand of the consumer who seeks change social media keeps its pace by engaging the sheen in new so that it can attract the consumer attention from time to time. But in case of a traditional media the distribution mode hardly changes even though the content may change. 7. Exponential: even though it is very hard for any product or brand to thread the market social media has huge potential for the exponential growth in exchange of a low cost. 9. Proximity: In the social media space there is virtually no time and distance barrier exist between the consumers. It is more like creating a global and connected community by the customers. These characteristics of the social media open enormous opportunity for the social media for success and failure closely depending on the how well it measures its market dynamics. 10. Future: Now a days most of the time the consumer looks at the online advertising but in near future it will be in the huge mobile community. The advertising dollar will follow in the huge mobile community. It shows a new future for the social media space. 2http://simonmainwaring.com/blog/uncategorized/top-ten-advantages-of-social-over-traditional-media/

Women in The Birthmark Essay -- Birthmark Essays

â€Å"The Birthmark† – Women  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚        Ã‚  Ã‚   â€Å"Everything he has to say is related, finally, to ‘that inward sphere.’ For the heart is the meeting-place of all the forces – spiritual and physical, light and dark, that compete for dominance in man’s nature. . . .† (McPherson 68-69). McPherson’s â€Å"heart† is the key to understanding the role of women in Nathaniel Hawthorne’s tale, â€Å"The Birthmark.†    Only imperfection is what nearsighted Aylmer sees in the birthmark on Georgiana’s cheek. But he is unfortunately oblivious to   the virtue in her soul, the deep beauty contained in the depth of her love for him. The wife’s virtue leads her onward and upward; the husband’s lack thereof and inability to appreciate virtue in his Georgiana leads him downward and downward.    The concept of women is established in the very opening paragraph of â€Å"The Birthmark.† The narrator introduces Aylmer as a scientist who found â€Å"a spiritual affinity more attractive than any chemical one,† referring to his love for Georgiana. She is portrayed as having meaning in Aylmer’s life – not in first place, but in second place to his scientific interests.    Even after Aylmer has â€Å"persuaded a beautiful woman to become his wife,† he is not capable of loving her properly, unselfishly, because he â€Å"had devoted himself, however, too unreservedly to scientific studies ever to be weaned from them by any second passion.† The narrator seeks to justify this error or lack in Aylmer by explaining that â€Å"it was not unusual for the love of science to rival the love of woman in its depth and absorbing energy.† Already at the outset of the tale, the reader perceives that Georgiana is going to be shortchanged in this marriage. She is exposed to the problem initial... ...el . The Birthmark Electronic Text Center, University of Virginia Library http://etext.lib.virginia.edu/etcbin/toccer-new2?id=HawBirt.sgm&images=images/modeng&data=/texts/english/modeng/parsed&tag=public&part=1&division=div1    McPherson, Hugo. â€Å"Hawthorne’s Use of Mythology.† In Readings on Nathaniel Hawthorne, edited by Clarice Swisher. San Diego, CA: Greenhaven Press, 1996.    Stewart, Randall. â€Å"Hawthorne’s Female Characters.† In Readings on Nathaniel Hawthorne, edited by Clarice Swisher. San Diego, CA: Greenhaven Press, 1996.    Swisher, Clarice. â€Å"Nathaniel Hawthorne: a Biography.† In Readings on Nathaniel Hawthorne, edited by Clarice Swisher. San Diego, CA: Greenhaven Press, 1996.    Williams, Stanley T. â€Å"Hawthorne’s Puritan Mind.† In Readings on Nathaniel Hawthorne, edited by Clarice Swisher. San Diego, CA: Greenhaven Press, 1996.