Answer the Q Case Study Example | Topics and Well Written Essays - 500 words - 1

Answer the Q - Case Study Example Thus, both these aspects affect the people in economic terms by hampering their earning opportunities (U.S. Bureau of Labor Statistics., â€Å"Employment Situation†). Cyclical unemployment can be estimated to be very difficult to overcome in comparison to other types of unemployment. It is very difficult to overcome as it encompasses with large numbers of candidates who are willing to work, but are unable to get a proper employment. Cyclical employment is prevelant in almost every country whereby people with proper talents and potentials are unable to find a suitable job (U.S. Bureau of Labor Statistics., â€Å"Employment Situation†). While calculating the unemployment rate, all the factors relating to unemployment of different age groups and both the genders are taken into consideration with the help of separate calculations. It would be benficial if the unemployement rate, as a whole, is calculated for deriving the exact rate of unemployment rather than basing the calculations on different aspects that may include different reasons for unemployment among different age groups and genders who are unemployed. For creating more job opportunities in the US, the country would need to improve its economic stability. It is only then that the country can be able to provide better employment opportunities to the deserving candidates. If the nation can increase its profitability by way of different business investments and other commercial associations, the nation would be able to curb almost all the issues related to unemployment to a very large extent. There are numerous issues that can be observed as related with the unemployment levels in the US. Recession can be considered to be one of the primary reasons for high rate of unemployment in the US. Recession is often acquainted with contraction in the investment and spending approaches taken by businesses which further lead to unemployment within the nation (U.S. Bureau of Labor Statistics.,

The novel Of Mice and Men and the characters Crook, Candy and Curlys wife Essay Example for Free

The novel Of Mice and Men and the characters Crook, Candy and Curlys wife Essay Discuss the theme of loneliness in the novel Of Mice and Men by looking at the characters Crook, Candy and Curlys wife Loneliness plays an integral role in the novel and it is this theme, which effectively leads to the inevitable ending. Each of the characters mentioned in the essay title re-enacts different aspects of the definition loneliness. Hence I will explore the way in which Steinbeck epitomises loneliness, using each of these characters. Crooks is depicted as a loner due to his supposed unfortunate predicament of being born a nigger. Despite this term being derogatory, it highlights the immediately low social stratum that black people occupied in a period where racism and segregation was prominent. The boss gives him hell when hes mad Just because is black, he is at the receiving end of the boss; wrath, a white man. Crooks is described by Candy as a nice fella. The reader is left to assume that the only Black character mentioned in the story is lonely, as the reader is almost oblivious of his presence. It is but for the initial reference to him and the re-emergence of his character in the middle section of the book that the reader is forced to remember. The idea of loneliness with reference to Crooks character has two explanations. The primary reason for his loneliness is Cause [Hes] black. Crooks is annihilated due to his race which in the period when the book was written, segregation was rampant. The reader learns exactly what Crooks feels about his treatment: I aint wanted in the bunkhouse Cause Im black I cant play [cards] because Im black. They say I stink. This outburst signifies the loneliness he feels. He is ostracised due to his race and is not allowed to participate in any activities. Unlike the other characters that experience loneliness, the reader feels that his isolation is the most extreme, as he is black, which automatically relegates him to a low class. The second explanatory for his loneliness is his disability, which evokes a form of loneliness. Crooks has a crooked back. And so presumably, he does have not much use due to his inability to provide a service. Slim suggest that inability to provide a service notes your uselessness: I wish somebodyd shoot me if I get old and cripple. Crooks falls into both these categories. As well as being old, he is cripple, therefore shooting him is of no great loss. Crooks annihilation due to his race and forced into a low social stratum he has an equal status as an animal. This is well represented in c chapter four, where the reader learns that Crooks has his bunk in the harness, and what worsens the situation is the fact that his actual bunk is made from straw, which is what forms many animals beds. The reader also learns that he has a manure pile in his room. Several references are made to his medication, where he owned a range of medicine bottles, both for himself and for the horses. The fact that he uses medication indicates that he often feels pain: Now and then he poured a few drops of the liniment into his pink-palmed hand He flexed his muscles against his back and shivered. Crooks is constantly applying liniment to his back, which may be to ease the pain he feels. He is often in pain and so may not be able to cope with strenuous activities, thus his uselessness and inevitable isolation. The descriptions used with reference to Crooks appearance, may symbolise the suppression he feels from the world. The fact that his body was bent over to the left by his crooked spine forces the reader to relate this to his bad treatment in life. It may suggest that he has had a rough life and the reader assumes that his injury epitomises the hardship and rejection felt, thus his sub-human status. Steinbeck describes Crooks as having deep black wrinkles. The fact that they are deep is also indicative of the depth of strain that he has endured in life, yet we are given no impetus that he has been badly treated at the ranch. Lennie in some ways breaks Crooks loneliness, when he intrudes in his room. Although he scowled in response to Lennies intrusion the reader feels that his presence is welcomed thus Crooks says, It was difficult for Crooks to conceal his pleasure with anger. Crooks becomes more comfortable with the company and the reader delves into his past as he confides with Lennie. The reader pities Crooks attributed to the fact that he views himself as just a nigger talking a busted-black nigger. Crooks indeed pities himself and his predicament. He is lonely as his only true company is himself. Hence, when Lenny tells how he has George, Crooks is in some ways envious of their relationship thus forcing Lennie to consider a pessimistic situation: You got GeorgeSpose you couldnt go into the bunk-house and play rummy cause you was black Spose you had to sit out here an read booksBooks aint no good. A guy needs somebody to be near him A guy goes nuts if he aint got nobody Dont make no difference who the guy is long as hes with you a guy gets lonely, an he gets sick The fact that Crooks aint got nobody generalises his reasons for his loneliness. This saddens the reader, as up till now he has been forced to keep this too himself, but his treatment makes him sick. He pours out his inner feelings and the reader appreciates that reading, his most frequent form of communication, is an escapism, but he concludes books aint no good. Lennie relishes in the fact that he and George will own some land of their own, however Crooks is rather pessimistic. Having seen many aim for a better life and fail, he concludes Nobody gets to heaven, and nobody gets no land. The reader considers Crooks extreme pessimism and concludes that due to his constant disappointment and failure, such improvements are but dreams and only exists in their head. However, a glimpse of faith is evident in Crooks character and maybe a realised dream himself, when almost convinced by Lennies revelation to live on the fatta the lan he responds: If you guys would want a hand to work for nothingwhy Id come an lend a hand This outburst indicates his eagerness and yet hope for some sort of recognition in life. The fact that this dream seems achievable gives him a glimmer of hope. For a short while at least his cocoon of isolation seems to be disintegrating: It was difficult for Crooks to conceal his pleasure with anger This narrative indicates that he is content, as he finally has human company, which he can interact with. The fact that Guys dont come into a coloured mans room very much indicates that despite the solemnity he has become accustomed to, company is always welcome, after all A guy goes nuts if he aint got nobody The partial hope of escaping from his sombreness is probably what gives him enough courage to say to Curleys wife on her intrusion into his room, Maybe you better go to your own house. Despite it being his own space, Crooks essentially relinquishes his non challenging role as a negro and dares to question a white persons authority. Yes, he can dream, but Curleys wife throws reality back in his face when she relegates him back to the terrible protective dignity of a negro. Crooks accepts that he will never be a white persons counterpart and concludes: You guys comin in an settin made me forget. What she says is true. Crooks forgot his place as a Nigger and so had reduced himself to nothingnothing to arouse either like or dislike. Crooks is lonely and no one in the story truly understands his predicament. However the reader is forced to conclude, that his annihilation is what retains the fact that he is proud [and] aloof. When he was on the verge of putting an end to his loneliness, thus confronting Curley wife, he realised that [for] a coloured man to have some rights, even if he dont like em., he has to settle for an inferior position in society or face humiliation. Through Crooks loneliness, he retains his pride. In considering Candys loneliness, the reader automatically compares him to that of Crooks. Candys character in the play symbolises the fate of those who are old and disabled. He has the most menial job on the ranch as the swamper and it is primarily because of his disability why he has turned into a self-pitying worker. Although he is lonely, his dog provides him with some sort of comfort. Despite his dog being weak, because [hes] so used to him and had him from a pup he feels some sort of attachment to the dog. The reader is forced to deduce that maybe the dog reflects Candys temperament. Both are old, walk with a limp and could receive the same fate of being killed due to their uselessness. Steinbeck describes the dog as: drag footed sheep dog[with] blind old eyes. The dog struggled lamely to the side This description shows the reader, the bad condition of the dog. The reader understands that as well as not walking properly, the dog is blind and its whole existence is a struggle. Carlson describes the dogs condition as: Got no teeth Hes all stiff with rheumatism. He aint no good to you Candy. Candy and his dog, and Crooks suffer a similar fate, as all of them are retired and so are of no use, as they can not carry out service jobs. Candy is attached to the dog. The fact that the dog is a reflection of himself, initially a hard worker, but now cripple to due his hard work killing it would mean he deserves to be killed also, as both have passed their usefulness. When Candy is forced to put the dog down, through Steinbecks descriptions, the reader realises how much the dog actually means to him: he subdued the hand with the other and held it down he rolled over and faced the wall and lay silent This is rather a sombre description. It underlines the fact that by killing the dog, his only long-term companion, means a part of him would be missing. Hence when he shares in Lennies and Georges dream he somehow feels rejuvenated. Candy shows interest in their dream as by being a part of it, it entitles him to have a future outside of the ranch and some human company. He would no longer have to be subservient to anybody, thus he would not receive the same fate as those who are in the same predicament as himself. It is interesting to note that he finds out about their dream while he would normally be alone, but for Lennies and Georges presence. Many people who are lonely thrive on gossip, as this is a means of escaping their own dismal life and delving into the life of someone elses, often more interesting than their own. This is so for Candy who is described as [warming] to his gossip. He speaks about Curley and even refers to his wife as a tart, yet the reader observes how inferior he actually is, when Curleys wife calls him a lousy ol sheep. Candy does tell Curleys wife what he thinks of her, but he realises that -Nobody d listen to us. In society, he is insignificant and thus his loneliness. Curleys wife experiences a unique form of loneliness. From an early stage in the book, the reader regards Curleys wife as that of a sex symbol. Throughout the story she is never named, but the reader only considers her as a tart, purty and a looloo. Glove fulla vaseline This refers to Curley who actually degrades his wife openly, by the display of this sexual connotation. Due to this derogatory act, it is no surprise to the reader that she is lonely. She is thought of as an object, not a person. She is not appreciated for her talent although according to her [she] could of went with shows because of it. While Curley is out enjoying himself she is left talking to a bunch of bindle stiffs. The reader knows she is lonely, through her constant search for attention. Through exploiting her sexuality does she try to conceal her loneliness hence, she flirts with Slim and constantly wanders around the men the ranch. It is interesting to note, that her only defence to Crooks when he asks her to come out of his room, is to threaten him with rape charges. The fact that she is lonely, she knows nothing else but to exploit her sexuality again. She is very shallow Curleys wife actually admits I get lonely I cant talk to nobody but Curley. This is why she is constantly seeking attention. When Lennie says he is not supposed to talk to her she questions angrily Whats the matter with me?. Again she uses this opportunity to tell Lennie about the dreams that she had. She becomes so comfortable speaking with Lennie that it is this which leads to her death. She is so willing to poor out her heart, her disappointment and the fact that she is lonely, that Lennie gets attached. It is her sexuality which causes her death. She confides in Lennie admitting that [she] don like Curley. So when Lennie starts to stroke her hair she does not mind initially, but this flirtatious act is what leads to her death. Lennie kills her involuntarily; yet this fate was inevitable. Each of these characters experienced their own forms of loneliness. It is quite interesting to note that each of the characters all end up in the same room, having been left out of the other activities which the men are indulging in: Crooks because he is black, old and cripple, Candy because he is old and disabled and Curleys wife as she is thought of as a sex object, not a person. Although she asks herself, An what am I doin? Staindin here a nigger an a lousy ol sheep. Yet she answers her own question when she says, They left all the weak ones here. She actually does belong there as all characters are lonely in some way or another and have been excluded from the activities of the ranch. Is it not fair that they comfort each other? The reader understands that this is not possible, as they are not compatible with each other due to their different predicaments.

The Euthyphro Dilemma

The Euthyphro Dilemma Siddhanth Goyal   Does morality stem from God? Or does it exist independently of his presence, not subject to arbitrary decisions? The first discussion over these questions appeared in Platos Euthyphro, in which Plato chronicles the proceedings of a highly repetitive argument between Socrates and Euthyphro, a prophet and holy man, over the nature of piety and holiness. The questions produced in this dialogue have been expanded to remain relevant even in a modern religious context. It has achieved so much fame that the core question presented in this dialogue is now known as the Euthyphro Dilemma. In the dialogue, Socrates presents Euthyphro with a choice, Is what is holy loved by the gods because it is holy, or is it holy because it is loved [by the gods]?(Plato 10). I will defend the first view: the idea that there are independent moral standards, separate of any deity or their commands, and that there is a sovereign framework by which God understands what is moral. A dilemma is the concept of forcing a choice between two options that are either equally unfavorable (or favorable). To understand why each of the options set out above are objectionable for Euthyphro, we need to comprehend the implications of both. In order to make my argument, I will substitute the word `God for Platos gods, and the word moral for holy. These changes will not affect the strength or cogency of the argument, and will make the dilemma more relevant to the modern reader. The dilemma faced by Euthyphro is this: if we maintain that certain actions are moral only because God approves them, then it seems that the distinction between moral and immoral actions is simply arbitrary; for no predominant reason can be given for why God should favor one kind of action over another. The distinction is simply a matter of Gods whims, just as it is up to me to prefer pencils to pens. As there is no reason provided for why God should favor integrity and generosity, he might equally have favored dishonesty and selfishness, and we must accept his commands as moral. This concept is known as the Divine Command Theory of ethics, where moral actions are mandatory simply because God commands people to do them. According to this theory, there are no moral standards that exist without Gods will, and without his commands, nothing would be right or wrong. God is omnipotent, and therefore, morality itself is derived from Gods nature. Without God, there is no basis for our moral structure and under this, what is moral is so because God has decreed it as such. This theory would stress the complete sovereignty of Gods will, and the concept that morality exists based not on reason, or any logical basis, but simply due to the arbitrary nature of Gods commands. This theory proposes that there is no rationale, moral or immoral, behind divine commands, and hence renders both his commands and morality subject to his whims. On this theory, God could have commanded, for example, for one to kill an innocent child, and it would have been mandatory for a person to do it. Abhorrent acts, or ones we would consider as such, are automatically pious, simply because God has decreed it, though many, including those who might be inclined to side with the this theory, would agree that they are abhorrent. The theory also rules out the option of assuming that God is just an agent of morality, not its progenitor, leaving the devotee with a puzzling quandary. On the other hand, rejecting the divine command theory, and accepting that moral principles exist independently of divine interpretation, destroys the idea of Gods omnipotence. Contrary to common belief, divine power would be restricted to actions allowed by ethical principles, and God would not be permitted to act, or offer commands, outside of these restrictions. I reject divine command theory in support of the idea that there is an independent moral framework, and that is what dictates whether or not something can be construed as being ethical. My findings are supported by the words of Socrates himself, when he is engaged in a discussion with Euthyphro: SOCRATES: And what do you say of piety, Euthyphro. Is not piety, according to your definition, loved by all the gods? EUTHYPHRO: Yes. SOCRATES: Because it is pious or holy, or for some other reason? EUTHYPHRO: No, that is the reason. SOCRATES: It is loved because it is holy, not holy because it is loved? EUTHYPHRO: Yes. SOCRATES: And that which is dear to the gods is loved by them, and is in a state to be loved of them because it is loved of them? EUTHYPHRO: Certainly. SOCRATES: Then that which is dear to the gods, Euthyphro, is not holy, nor is that which is holy loved of God, as you affirm; but they are two different things. EUTHYPHRO: How do you mean, Socrates? SOCRATES: I mean to say that the holy has been acknowledged by us to be loved of God because it is holy, not to be holy because it is loved. EUTHYPHRO: Yes. (Plato 13-14) In this excerpt of the dialogue, Socrates leads Euthyphro to the conclusion that something is holy, or in our case, moral, prior to it being loved by God. It does not become such after being acknowledged by God. The Euthyphro concludes that morality cannot be identified by what is loved by God, as that would leave it an empty concept. If we decide to follow the second horn of this dilemma, then we must accept that God is simply a messenger for morality, not the source of it. He understands what is moral, and what is not, but doesnt directly have the power to change it. Another reason I am convinced of this horn is that this form of morality can exist without the presence of a religious deity. If morality exists indecently of God, then if there is no God, we still have a basis for morality, though that basis may be unknown. My argument is not made to discredit the presence of a religious figure, or to offend those who believe that morality stems from God. It may very well be that this is the case, and that God is truly an omnipotent being who decides what is, and is not, moral, in his all-encompassing wisdom. I only attempt to explain my belief that the second branch of this dilemma is the one I find to be more convincing, and to present evidence explaining my interpretation. I would like to argue, as a closing remark, that humanitys morality should be based on rational dialogue and a reasonable understanding of the consequences of ones actions. It can be boiled down to the concept of act utilitarianism, or the idea that morally justifiable actions are ones where net happiness gained outweighs net happiness lost, though concrete standards for measuring such changes in happiness are not at all possible. I pledge my honor that I have neither received nor provided unauthorized assistance during the completion of this work. Works Cited Plato. Euthyphro; Platos: Euthyphro, Apology, Crito, Phaedo. Trans. Benjamin Jowell; Rev. Albert A. Anderson. Millis, MA: Agora, 2005. 1-18. Print.

Freed Blacks rights after the Civil War Essay -- essays papers

Freed Blacks rights after the Civil War During the year of 1865, after the North’s victory in the Civil War, the Republican Party began to pass national legislation in order to secure free blacks’ rights. Through the 13th, 14th and 15th amendments to the constitution, the republicans tried to protect and establish black freedoms. At the same time southern state legislators were passing laws to restrict free blacks’ freedoms. Through the use of black codes and vagrancy laws, the south attempted to keep blacks in a state of slavery. These laws were worded in a way such that blacks rights would be so restricted that it would remain impossible for them to gain any real freedom. In one Mississippi black code, the law allowed for blacks to own personal property, but stipulated that free blacks could only rent or lease land, or tenements, within the city limits. This prevented blacks from owning their own farms outside the city. The law was very apparently contradictory to itself in the fact that it stated blacks could own property â€Å"to the same extent that white persons may,† but then set the restrictions on renting and leasing land which only blacks were confined to. The law also required that blacks have a â€Å"lawful home or employment.† This, combined with the previous restrictions on renting and leasing land and housing, ensured that whites would retain control over where Negroes could live. By requiring them to have a home, and then restricting them to renting ... Freed Blacks rights after the Civil War Essay -- essays papers Freed Blacks rights after the Civil War During the year of 1865, after the North’s victory in the Civil War, the Republican Party began to pass national legislation in order to secure free blacks’ rights. Through the 13th, 14th and 15th amendments to the constitution, the republicans tried to protect and establish black freedoms. At the same time southern state legislators were passing laws to restrict free blacks’ freedoms. Through the use of black codes and vagrancy laws, the south attempted to keep blacks in a state of slavery. These laws were worded in a way such that blacks rights would be so restricted that it would remain impossible for them to gain any real freedom. In one Mississippi black code, the law allowed for blacks to own personal property, but stipulated that free blacks could only rent or lease land, or tenements, within the city limits. This prevented blacks from owning their own farms outside the city. The law was very apparently contradictory to itself in the fact that it stated blacks could own property â€Å"to the same extent that white persons may,† but then set the restrictions on renting and leasing land which only blacks were confined to. The law also required that blacks have a â€Å"lawful home or employment.† This, combined with the previous restrictions on renting and leasing land and housing, ensured that whites would retain control over where Negroes could live. By requiring them to have a home, and then restricting them to renting ...

Hrm599

Week 1 1. Benefit plans Employer-sponsored benefits reflect the culture and business of the organization, and plans should be crafted and selected accordingly. Think about your current (or former) organization's benefit plan. Did it help to improve the quality of your work as well as your personal life? Why or why not? Was it a generous benefits program or were there specific benefits you felt should have been included? We want more time off Today people are looking for benefits what will help them manage their work-life life-styles better.Today, with the help of technology, employer is now starting to be more capable of offering flexible options with great results. Time off, seems to be another area that, I think, needs major improvement across the whole country. The average of two weeks’ vacation is way below the standard offered in all other countries, even third world countries have mandated better time off benefits embedded in their labor laws. I feel that we Americans wo rk too hard, with little time to be more involved in raising our kids or even taking care of ourselves.No time for soccer practice with my kinds, no time to go to the gym so I can lose some weight, no time to cook a good health meal for the family. Our lives are hassle and hassle and hassle. To me, when it comes to benefits, time off carries a lot of weight. I rather have an additional week of vacation that 5K more in my pay. Benefit plans Our company is into sales, entertainment, sports. I think it would be kinda hard to model a plan accordingly. Our plans are more designed to the type of family you have because we have a big mixture of people.I personally am not covered so I can't really speak in terms of how it benefits my life. Of course I do have vacation time and such, which does allow me to take some to myself. One thing I think would help in my quality of work or personal life is a flexible schedule. What I do sometimes affect payroll, so I have to map out times off or half days. However there are times when I really could use off and not really need to be in, so I wouldn't mind working an extra hour each day to have a half day later, or coming in earlier so I can leave earlier.Mainly because I prefer working in teh morning. I feel it helps me stay more attentative. Benefit discussion Providing workers with paid vacation time is extremely common, and generally considered a low-cost benefit to offer. Two weeks paid leave is fairly standard for a small business in the U. S. Many companies start workers at two weeks and reward them with additional time off as they accrue seniority. Some companies will also pro-rate vacation time, so that new hires that start on or after July 1 are only offered a week's vacation time in their first year. . Benefit Planning Process (graded)| As part of conducting a benefit plan needs assessment, a human resource professional must consider the organization’s business strategy as well as its compensation philosophy. Wh at do you think is the next step that should be taken? What are some of the possible outcomes of a benefit plan needs assessment? depends of what stage of the life cycle of the organization is | Mark Lema | 4/25/2012 7:11:46 AM| | I guess It depends of what stage of the life cycle of the organization we are, and the industry we are.I think that if we are new start-up business in the technology industry, we might need the best talent out there; therefore our strategy should be to offer very competitive benefits to attract and retain the best. Specially if they are highly skilled and in big demand. If I were to be in the â€Å"decline† stage or the organization, I might have to reduce cost and offer cost effective benefits to offset the costs and minimize expenses. | | RE: depends of what stage of the life cycle of the organization is | Harpreet Sandhu | 5/4/2012 7:53:32 PM| | Modified:5/4/2012 7:54 PM | I agree with my classmates that first it all depends on what stage the org anization is in. Along with this in my opinion, the immediate external environment and the changing needs of the organization are the priority too. If there is lot of external competition then the organization might need to reevaluate its benefit plans to attract, retain and reward valued employees. In order to do this, human resources should conduct a thorough review of the current plan and gain a clear understanding of short and long term strategic and financial objectives. | What do you think is the next step that should be taken? | Catherine Flynn | 4/30/2012 11:46:54 AM| | I think they need to look at the employees themselves and what their needs are. Easier for smaller companies, but even for bigger companies you can do online surveys. Finding out what the employees want is kinda imperative because you may not have similar workers. You may have some single people who don't need child care benefits, or older people who are into saving more so would really be interested in a 401 k or Pension more than an FSA account necessarily. | RE: What do you think is the next step that should be taken? | Lynn Peirce | 5/1/2012 12:34:40 AM| | Hi Catherine, thanks for your post†¦. I think, as I have seen through my readings†¦ companies simply are not offering pension plans. I would rather have that than a 401K. I think compnies should use surveys and interviews with kep personnale to see what employees really want after a needs assessment†¦. I imagine the results would be surprising. Management always seems to be disconnected from the â€Å"real† hard working backbone employees. | | RE: What do you think is the next step that should be taken? | Aaron Jones | 5/1/2012 6:04:19 AM| | This is true but they should reconnect themselves so they can find out what is really going on with there employees, the hard backbone employees need to know that they are  notice for there hard work and when mangerment does   surveys and needs assessment this shows th e employees that the organzation is concern about there hard working employees. | | Outcomes of an assessment | Catherine Flynn | 5/1/2012 11:18:52 AM| | I'm not sure what the book says.However I would assume there could be many outcomes such as needs that might be too expensive to cover. Or perhaps not enough people want the same coverage or not enough people to meet the limit requirement for the insurance company. You can also find out that the benefit plan might not suit anyone at all and a serious change is needed. | | RE: Benefit Planning Process | Harpreet Sandhu | 5/6/2012 8:41:42 PM| | Most successful companies utilize business strategic planning to set priorities and goals for the organization's future; outcomes include short-term goals and long-term strategies.A clearly written, well designed strategic plan can align business units, divisions and employees so that the vision of the management team and the mission of the company can be fulfilled. As companies evolve and the environment changes it is critical for companies to maintain a disciplined execution of the strategic plan. However, if they are not aligned with the business strategy, are done independently, and are not linked to a multi-year strategy they can become a source of frustration and may create unintended outcomes.By adopting a strategic benefit planning process, companies can make decisions regarding their benefits and health care with significantly less stress. Addressing the changing environment of health care will be approached with a more thoughtful long-term perspective and will be tied to the values and philosophy of the   company. | benefit plan | Manqing Liu | 5/4/2012 10:36:41 PM| | There are several external environmental factors considered in strategic benefits planning: Industry prospects, economic conditions, and forecasts Employer costs for compensation and benefitsGovernment regulation of employee benefits Changing demographics of the labor force| Next Step | Natasha Wylie | 5/11/2012 2:13:56 PM| | I think the next logical step would be for the company to  do an evaluation  in terms of both cost and employee need, to maintain a balance between direct wages and benefits. Wage increases and benefit changes independently can lead to excessive increases in payroll costs where the organization loses control of the situation. When benefits or one benefits costs are rising quickly, it impacts the organization's ability to raise other parts of the compensation package. |Week 2 discussion Role of Government (graded)| Other than the mandates of the Internal Revenue Code (IRC) and a few other ineffectual reporting and disclosure requirements, benefit programs were practically unregulated by the federal government. Before the major shift that came with the enactment of the Employee Retirement Income Security Act (ERISA) of 1974, which was primarily aimed at traditional defined benefit (DB) pension plans but applicable to other employer sponsored retirem ent and benefit programs. What is the government’s current role in regulating the administration of employee benefits?Do you think there is too little or too much government intervention? Why? Role of the government | Aaron Jones | 5/5/2012 4:23:24 AM| | 1. * Government regulates retirement plans, health benefit coverages, unemployment insurance and workers' compensation benefits. Effects * Government regulation on unemployment insurance pays benefits to the unemployed. By regulating workers' compensation benefits, states can control the amount an insurer pays, the kind of drug testing it requires and whether businesses with fewer employees are exempt from these laws.With the 1974 Employee Retirement Income Security Act (ERISA), the federal government establishes standards for retirement and health coverage that private businesses must offer. Liability * In states like North Carolina, the government subjects new employers to a standard tax rate at first. Once it has determine d their actual rate, the state's Employment Security Commission notifies the business by letter of its liability to pay unemployment taxes.Significance * Not only do federal and state regulations on benefits guarantee certain types of coverage, they also establish minimum reporting standards and disclosure requirements for businesses that must document their compliance. Size * An expansive program, ERISA regulates benefits given to a company's current and discontinued employees. It also mandates compliance with the Newborns' Act, the Health Insurance Portability and Accountability Act of 1996 and the Genetic Information Nondiscrimination Act of 2008, to name a few. information from: Government Regulations on Employee Benefits | eHow. om http://www. ehow. com/facts_5554578_government-regulations-employee-benefits. html#ixzz1tzOVqKAW. | RE: Role of Government | Sylvia Privette | 5/6/2012 8:53:03 AM| | Lynn and Aaron I agree with both of you. I don't think the government intervenes eno ugh. I believe they waited to long to help with this issue as they do with all issues. They wait  until they are out of control or the government is tired of paying for the people because they are short on funds, so they attack. Had this issue been dealt with before the backlash would not be so drastic. As Aaron stated it took this particular president to do something.I look back at the wheel and the economy if you don't work for the big companies, then its difficult for the smaller ones to give great benefits. The Healthcare plan is a good one, but possible at an inconvenient time for companies financially. In response to Lynn I too believe the government should provide healthcare coverage but to the needy. If you are employed then your employer should offer heathcare and the employee should be covered, contributing or not. The government is now complaining that are not only giving health care to the needy and companies can help bare some of the cost.We all know healthcare is exp ensive | | RE: Role of Government | Manqing Liu | 5/12/2012 9:54:07 PM| | The government's role in the retirement income area has been dictated primarily by historical factors. Beginning in the late 19th century, the economy of the United States changed fairly rapidly from predominantly agricultural to predominantly industrial and service oriented. Coinciding with this change—and probably in response to it—the large, supportive extended family of the agricultural economy was largely replaced by smaller, more fragmented family units.The shift away from agriculture reduced the amount of economically useful work available to older people, and family structural changes reduced the amount of family support for the aged. | | RE: Role of Government | Aaron Jones | 5/7/2012 6:04:07 AM| | This is the way the system likes to operate, they will let an situation like this one get so far out of hand then have meeting about the matter and really get nothing done instead they fight o n issues that they know should have been address   long before Barack Obama came along.Now that he is here he just wants do do the job he was put in office for taking care the American people and use all the funds in a wisely matter so all can live a more comfortable life. Healthcare is expensive and with the right program in place the cost can be handle if they   take the right action regarding this matter. | Do you think there is too little or too much government intervention? Why? | Catherine Flynn | 5/9/2012 8:26:36 PM| | All benefits are so complex it takes a lot to work plans out, so having regulations I think is helpful.However I don't feel that the government should get more involved than they already are because I feel that they are almost trying to control what I can and cannot have, and that is what I don't agree with. I mentioned before about the Individual Mandate Clause in the new healthcare plan that is being voted on and I personally do not appreciate being told what I can and cannot buy. It should be my choice to purchase health insurance if I want it or not, and this clause is taking that choice away from me. | | Do you think there is too little or too much government intervention? Why? Norma Vega | 5/9/2012 11:32:52 PM| | I think there are too little. While there are some penalties and sanctions imposed by ERISA, through the Department of Labor, these are for violations on the administration of the employee benefits programs of those who voluntarily designed employee benefits plans. How about for those who opted not to voluntarily design employee benefits plans and programs? REFERENCES:Pndyck, Robert S. (2005). Microeconomics. Pearson Education, Inc. http://www. dol. gov/compliance/guide/erisa. htm#who | | To ensure there is fair environment for competition | Mark Lema | 5/10/2012 7:15:33 AM| In my opinion, the government’s role is to primarily set a minimum standard. As they do for the minimum wage. Then to enforce de law, and to ensure there is fair environment for competition and no monopolies are developed. Competition will drive the quality of benefits. | Government Mandates | Professor Blanco | 5/10/2012 1:12:34 PM| | Class-  Ã‚   intereesting that many of you feel that â€Å"government should provide benefits†. Let's take a look at that. Benefits are very expensive, we know. But why? What is driving the cost of these benefits? How do you propose the â€Å"government provided benefits† will be paid? | RE: Government Mandates | Crystal Johnson | 5/10/2012 4:30:08 PM| | One thing that is raising the cost of benefits is specialty drug prescriptions. Specialty drugs for   multiple sclerosis can cost $2,500 to $3,800 a month. The cost of staying alive on drugs is sky rocketing. Prescription drug companies are making a killing with their patents and over charge the public to fix erectile dysfunction or having long lashes. However, drugs that actually extend your life and true quality of lif e should be augmented so everyone can benefit or at least let people have reasonable access to them.I know that sex and long eye lashes are meaningful to quality of life, but not as much as asma medication or kidney cleansing  drugs for dialys patients. http://www. shrm. org/hrdisciplines/benefits/Articles/Pages/SpecialtyDrugs. aspx | | | RE: Government Mandates | Manqing Liu | 5/11/2012 11:15:52 PM| | I found something interesting about government provided benefits: A 2008 poll of 1,400 Americans by the Cornell Survey Research Institute found that when people were asked whether they had â€Å"ever used a government social program,† 57 percent said they had not.Respondents were then asked whether they had availed themselves of any of 21 different federal policies, including Social Security, unemployment insurance, the home-mortgage-interest deduction and student loans. It turned out that 94 percent of those who had denied using programs had benefited from at least one; the average respondent had used four. http://www. nytimes. com/2011/09/20/opinion/our-hidden-government-benefits. html| | | What is the government’s current role in regulating the administration of employee benefits | Natasha Wylie | 5/13/2012 5:43:14 PM| The  basis of ERISA is to provide protection of employee benefit rights. ERISA has a few major objectives, they are: To ensure that workers and beneficiaries receive adequate information about their plans To set standards od conduct for those managing employee benefits plans   and plan funds To determine that adequate funds are being set aside to pay promised pension benefits To ensure that workers receive pension benefits after they satisfied minimum requirements To safeguard pension benefits for workers whose pension plans are terminated | | | Do you think there is too little or too much government intervention?Why? | Natasha Wylie | 5/13/2012 6:05:23 PM| | I'm on the fence about whether there is too much government interv ention in the administering of employee benefits. I'm sure  that both sides could argue where oversight is needed and where there is too much involvement. Whether the oversight is handled by the government or another agency, I do believe that someone should look out for the best interest of employees, and ensure things related to benefits are handled in a proper manner. |Government Mandated Benefits (graded)| There are certain benefits that are legislatively mandated and cannot be altered or dropped by an organization for any reason other than the organization is closing its doors for good! Social Security and Medicare, unemployment insurance, worker’s compensation, COBRA and FMLA are all federal and state mandated programs. What do you think determines the types of programs that the  government chooses to make mandatory? Do you feel these programs are efficient and effective?Why or why not? | Government Mandated Benefits | Lynn Peirce | 5/6/2012 2:55:19 AM| | My feeling is that the U. S. economy plays a large part in determining the types of programs the government makes mandatory, in order to help and protect U. S. citizens in times of need, for example, COBRA. Some of these programs go back many years in their enactment, such as the Social Security Act of 1935, when the U. S. had the foresight to help aid in retirement of older workers (and that was post-Depression and pre-WWII).Some of these programs are efficient, such unemployment insurance (even though it should last longer), and some are not, such as Medicare (seniors still have to purchase supplemental insurance or pay out-of-pocket costs). Social Security may not even be around in another 25 years. I think these programs started out well, and the intentions are good, but they became financially strapped. See http://www. socialsecurityreform. org/problem/index. cfm. | | RE: Government Mandated Benefits | Sylvia Privette | 5/6/2012 8:06:52 PM| | I agree with both of you.The government does w hat it feels is necessary when monies are tight for them and for companies. The state of the economy determines in which way the wheel should turn. If it too expensive for the government then they want more from employers, however they also know that employers will want something in return i. e. , tax incentives. The government should have stepped in long ago before these problems became bigger problems. Aaron you make a good point. The government should make sure that the employees they have working in these positions are educated nough to do so. The proper training and supervision is most important. Mishandling of funds is a big issue for the government and it seems as if they need the corporations help in bailing them out financially. I am grateful for the programs that the government has mandated, however, I think the government could regulate more benefits programs. | RE: Social Security ; Government Benefits | Lynn Peirce | 5/10/2012 11:03:05 PM| | Jill, as we discussed in cla ss, Social Security was implemented in 1935, after the Depression, and was only meant to be temporary.Since the system is already broken, and the government is trying to fix it, healthcare will be regulated by the federal government†¦ but as we discussed in class, Obamacare will have to be tweaked in order to satisfy those who are opposed to it, as well as make it more feasible to implement and operate. I imagine this will be  a nightmare. I found this great article about Social Security, written from the viewpoint of a sociologist, on the origins of Social Security and how it is being â€Å"reformed†: http://www2. ucsc. edu/whorulesamerica/power/social_security. tml If the current social security dliemma, is not fixed, I feel that the consequences will be dire. | Do you feel these programs are efficient and effective? Why or why not? | Natasha Wylie | 5/13/2012 7:35:53 PM| | Personally speaking I think that these programs are effective. I have used FMLA, after giving birth to my daughter. T he Family Medical Leave Act (FMLA) gives eligible employees 12 weeks of unpaid leave to care for themselves or a relative suffering from a serious health condition, a newborn baby, recently adopted child or a new foster child.Also covered are emergencies that occur when a relative who is a member of the National Guard or Reserves is called to active duty. To qualify, employees must work for a covered employer for a minimum of 1,250 hours during the designated 12-month qualifying period. Its a relief to not worry about securing your position while out on FMLA. There were times when if an employee needed to be out of work for and extended period of time, there positions weren't held. | Week 3 discussion Healthcare Cost Management (graded)|Many Americans benefit from the investments in healthcare; however, the recent cost growth, coupled with the economic downturn and rising national deficit, has placed a great strain on the financial systems used to finance hea lthcare, including private employer-sponsored health insurance coverage and public insurance programs, such as Medicare and Medicaid. What is the responsibility of individuals for the cost of their care? Are health savings accounts and high-deductible insurance policies an approach that should be expanded? What are the concerns for low-income individuals?Healthcare cost management | Aaron Jones | 5/12/2012 7:12:54 AM| | The Affordable Care Act (ACA) includes a provision similar to AMA policy on individual responsibility, which is scheduled to take effect in 2014. The Congressional Budget Office predicts the ACA will expand coverage to 32 million more Americans by 2016. Several of the new benefits included in the health reform law, such as an end to coverage denials based on pre-existing conditions, are only made possible by increasing the number of Americans participating in the health insurance market.Individual responsibility for health insurance allows patients to take ownership of their health care needs, decreases the number of uninsured — now estimated at 50 million nationwide — and helps make popular insurance market reforms possible. By promoting individual responsibility and increasing the number of insured individuals, we improve the health of Americans and keep hidden costs from being passed along to all of us * HSA/HDHPs are a highly tax-advantaged savings vehicle appealing to people who have high incomes and to those who are expected to have low use of health care services.For the uninsured, these approaches are less attractive since they often have low income and neither benefit significantly from the tax advantages now have the financial assets necessary to cover the large deductibles associated with the plans. * Their ability to reduce system-wide spending is very limited. * The plans have the potential to increase segmentation of health care risk in private insurance markets unless employers set premiums to offset the healthier s election into the plans or government subsidizes the higher costs associated with the remaining non-HSA market.The plans have thus far been less attractive that prononents envisioned, the authors add, so their potentially negative ramifications on populations with high medical needs have been limited. However, they say, â€Å"efforts to expand enrollment in these plans through further tax incentives, for example, could place growing financial burdens on those least able to absorb them, leading to more barriers to medical care for the low-income and the sick and fewer insurance options. www. rwjf. org/pr/product. | Healthcare Cost Management | Lynn Peirce | 5/12/2012 10:39:30 PM| I think that individuals should be responsible for their own healthcare, whenever possible and affordable, but since the economy has been so bad for so long, a lot of people go without, which places a strain on the financial systems used to finance government-managed programs. I, myself, am fortunate enough to receive Medicaid, but it was not handed to me, as one must be medically-needy (an individual can make $47,500 per year and receive Medicaid). There are two programs within Medicaid in New Jesey, one is the Workability Program, which I am in; the other is for people who are unable to work.Health insurance is very expensive for employers ot provide, as we have been discusssing in class the past few weeks. I feel that high-deductible policies are not the way to go, but health savings accounts may be a great option to explore. The concerns for low-income individuals are that they simply do not have the means to invest in a health-savings account, and if they don't qualify for Medicaid, they are stuck in clinic care, which doesn't really do the job. â€Å"More than 60 percent of nonelderly Americans receive health-insurance (HI) coverage through employers, either as policyholders or as dependents.However, rising health-care costs are leading many to question the long-term viability of the employer-based insurance system. Concerns about the economic burden of providing HI are particularly acute for small businesses, which are both less likely than larger firms to offer HI and more sensitive to price when deciding to offer insurance. Small firms may have difficulty containing costs due to their limited bargaining power and their inability to hire experts skilled in negotiating with insurance companies.Further, while few recent studies have systematically explored differences in the quality of HI plans that small and large firms offer, small firms may offer health plans of lower quality† (http://www. rand. org/pubs/technical_reports/TR559. html). | Healthcare Cost Management | Norma Vega | 5/13/2012 11:20:31 PM| | I would say it depends on the institution. There are great medical facilities all over the US but many are closing down because of different law violations. I think it is a mix of both money and helping patients though. The good facilities I think concentrate on the genuinely helping people part from top down.As they hire staff, I would hope that is one requirement they look for while in the interview process. I think with a good staff and employees that truly care and provide excellent service are the ones that are successful and make more money. | The importance of becoming a smart consumer | Mark Lema | 5/15/2012 1:30:07 PM| | Becoming a smart consumer is a must when it comes to utilizing your healthcare benefits. The high cost of benefits is not under the control of employers, therefore, employer have no option but to offer all other   possible options to reduce the cost of healthcare and minimize the passing of that cost to their employees.Unfortunately, there is very little employers can do. As they cost for healthcare increases, employer have to become more creative in developing a healthcare pla that will not upset employees and   that will not place the company on bankruptcy. HSA and FSA type of accounts are som e of those alternatives that employer use to help employees better manage their healthcare costs. Unfortunately, the lack of understanding how these plans work, and the fact that it requires a lot of time andn preparation to comply with the processes  and submit receipts, has pushed back many current and potential participants.In my case these option do help. My wife, who is the smart one, fully understands the procedures and requirements of HASs and FSAs and has save us   in the last years 100’s of dollars in healthcare costs, this dedication and full understanding of my family healthcare needs, has by far offset the time-burden it requires to manage them. | | What are the concerns for low-income individuals? | Catherine Flynn | 5/16/2012 5:17:20 PM| | For low income families it's a big struggle to be able to afford insurance. Sometimes it can even be something that they just don't think about cause it may not be the firs thing on their mind.When you're worrying about ot her bills, that could take precedent over insurance. Until someone gets sick, then you realize that on top of all the bills, you need money for when you or your child is sick or needs hospital care. For my family when I was growing up, we knew insurance was important because I was a pretty sick kid, so I was always needing doctor visits and medicines, and of course ER visits since I was also clumsy. Then my mother's health started to decline as I got older. So having some sort of insurance was extremely important and I always knew that it's beneficial to have some type of funds available should emergencies occur.When I was in college there were a few years I had to go without benefits. Today and even then I felt extremely lucky I didn't get sick because if I had I would have had a lot of bills. Not only because of that but because My mother and I had assistance, I'm very grateful for it. However not everyone has that, and not everyone is eligible for it because they work. But their salaries may not be enough to get them health care, so they have the option of finding a job that might offer benefits, or get a second job to try and get a plan on their own.It can be very difficult, and it's something you need to ask yourself. Are you going to try your hardest to protect yourself with insurance, or are you going to risk it? I think it depends alot on each persons circumstances. | What are the concerns for low-income individuals? | Michael McArdle | 5/18/2012 10:43:39 AM| | Personally I just feel that low-income people are in trouble of never being able to afford healthcare. There are people that can go to Health Clinics but there is still a fee of $5, $10 or $20, based on income level, and many people cannot even afford to pay the amounts that are listed.Sometimes when I visit to see the Dentist because I don't a dental plan, I pay $20, I hear the stories of the people talking to each other makes me almost want to melt in my seat hearing about their life stories a nd the struggles they have. It is just so sad that all of these people I see in the waiting room are unable to afford to see a Family Doctor, it makes me feel sad. | RE: What are the concerns for low-income individuals? | Aly Traore | 5/18/2012 4:34:25 AM| | what you said is very true and sad, but unfortunately it is the reality. n my opinion, to better live in USA in these days, you have to be at least in middle class that is the level where you can benefit from the system of economy in particular healthcare system. â€Å"low- income† is just a beautiful word to cover the word â€Å"poor† in the government vocabulary. | | Consumer Driven Healthcare (graded)| Consumer driven healthcare has become popular over the past few years as employees seek tax advantages and cost savings on healthcare. What are some of the key features of a consumer driven healthcare plan? Does your company currently offer any of these plans?If so, are you taking advantage of them? Why or why not ? | RE: Consumer Driven Healthcare | Sylvia Privette | 5/15/2012 10:02:36 PM| | Lynn  I agree, with healthcare becoming more and more expensive, for the little things people are starting to self heal as much as possible. Those over the counter medicines are on the rise for purchases because its cheaper. Individuals wait until self healing is no longer working to go to the doctor. I am starting to see more people looking for the cheaper health plans. The plans offered by the government based on income determines your contribution.Some of these plans depending on pay scale are cheaper the what employers are asking. Also free clinics are on the rise for health care, the medical buses we see sometimes like to get your blood pressure checked, or free screenings, free flu shots, mammograms and the use of the department of health especially for children. These are some of the cheaper ways people are staring to use. | | | RE: Consumer Driven Healthcare | Manqing Liu | 5/20/2012 10:49:22 P M| | Many large employers are offering consumer-driven plans, also known as high-deductible plans.These plans require employees and beneficiaries to be more involved, not less, in health care issues. Employee health and well-being affect not only absenteeism, but also bottom-line issues such as disability, workers compensation, and productivity. | | RE: Consumer Driven Healthcare | Aaron Jones | 5/16/2012 4:23:00 AM| | With the high cost that comes with healthcare people are becoming smart consumers when looking for the right healthcare package, it may not have all the benefits people are looking for but as long is the price is right people will just get what they can afford these days.Free clinics, over the counter medicines, whatever will work for that person helps the consumer deal better with healthcare issues. | | consumer-driven plans | Mark Lema | 5/16/2012 1:17:52 PM| | The term consumer-driven evolved out of a concept of a defined contribution in contrast to a defined benef it. Many large employers are offering consumer-driven plans, also known as high-deductible plans. These plans require employees and beneficiaries to be more involved, not less, in health care issues.Employee health and well-being affect not only absenteeism, but also bottom-line issues such as disability, workers compensation, and productivity. | Does your company currently offer any of these plans? If so, are you taking advantage of them? Why o | Catherine Flynn | 5/16/2012 5:22:55 PM| | Our company offers two separate plans, and one of them does fall under this category. Alot of our employees actually do take advantage of this particular plan versus our personal choice plan. I however do not, so unfortunately I lack alot of the specifics about it.I think our biggest question right now is what's going to happen in June, because that will affect our negotiation meetings with our brokers that are coming up soon. It could not change at all, or it could change completely. I will say th at because I'm not to familiar with both plans yet I can't say that I know which one is best for me. I do know however that I am very prone to getting sick, and often, so I suppose that would play a big factor in my choice of benefits. | | RE: Does your company currently offer any of these plans?If so, are you taking advantage of them? W | Aaron Jones | 5/17/2012 4:48:37 AM| | This is a tough situation to be in but like most companies we all have to sit back and look over the choices we have when it comes to making the right choice for health care and I am sure you will sit down and make the best choice for you and your family. Just pray that the company does not make to many changes to the healthcare and if they do it works out for all that is involved in this situation. Good Luck! consumer driven healthcare | Aly Traore | 5/17/2012 10:14:56 PM| | consumer-driven health care is a good idea, and even better a good system, but with a deregulated health care system environment, it wil l be very hard for employee to stick to it for long, because the cost of health care is increasing every day. in my opinion, to be better enjoy all the health care benefits, the system has to be regulated. | | Does your company currently offer any of these plans? | Michael McArdle | 5/18/2012 10:51:13 AM| Our company does offer a lower cost plan if a person has a primary doctor, and it does cost less than a PPO, however the cost of seeing a doctor is still very high, close to $50, and if someone gets a prescription, they pay close to the full price that the prescription would have been to someone without insurance, so overall it is worth paying more for a PPO because the cost to see a doctor or get a prescription is much lower, and if you have a major accident and need surgery, a person is more likely to get the treatment they need over not getting help if their insurance was low cost and does not cover surgeries for emergencies. FSA's | Natasha Wylie | 5/20/2012 1:25:27 PM| | My co mpany offers flexible spending accounts. Flexible Spending Accounts permit employees to pay for specified health care cost that are not covered by an employee's insurance plan. For the upcoming benefit year I did elect a pre=tax contribution to FSA. This year I expect to have dental work done   and having access to the money upfront and pre-tax is an added and much needed benefit. | | RE: FSA's | Norma Vega | 5/21/2012 6:39:29 PM| | Hello Natasha,Same here.I am going to be getting some dental work as well as some minor nasal corrective surgery done and being able to pay the $500 out of pocket cost with a pre tax card is such a luxury. I really have no idea how anyone could not like these benefits. I think it comes down to people being scared of having money taken out, not realizing they’re going to spend it anyway post tax. I also think that some people can’t comprehend exactly how much they are saving from taxes. | What are some of the key features of a consumer dri ven healthcare plan? | Natasha Wylie | 5/20/2012 1:38:03 PM| The key features of consumer driven health care plans are: It helps employers maintain control over cost Enables employees to lower the cost of insurance premiums through high deductibles Puts a restriction on employees ability to make choices about who they want to receive treatment though via in ; out of network providers | | key features of a consumer driven healthcare plan | Manqing Liu | 5/20/2012 10:42:17 PM| | Transforming the third-party reimbursement system into one that puts economic purchasing power — and decision-making — in the hands of the consumer.Supplying the information and decision support tools needed, along with financial incentives, rewards and other benefits that encourage personal involvement in altering health and health care purchasing behaviors. Letting consumers, rather than health plans, control health care decisions. | Week 4 discussion Life Insurance Plans (graded)| A major conc ern for most employees is caring for their families in the event of the employee’s death. Many employers provide life insurance for employees. Does your organization offer a group insurance policy?If so, what is the basic plan design of your organization’s life insurance policy, and for  how much are you covered? RE: Group life insurance plans | Manqing Liu | 5/27/2012 10:52:00 PM| | Group life insurance is term insurance covering a group of people, usually employees of a company or members of a union or association. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover and financial strength of the group. Contract provisions will attempt to exclude the possibility of adverse selection.Group life insurance often includes a provision for a member exiting the group to buy individual coverage. | Group life insurance plans | Aaron Jones | 5/19/2012 7:08:48 AM| | There are three different types of group insurance and this company uses number one for there employees from what I was reading out of the company policy. 1) Basic group term life—This is the most typical coverage, providing basic coverage and often paid for by the employer. The premiums (up to $50,000) paid for by the employer are considered to be an employee income tax-free benefit. ) Supplemental group term life—Often offered by employers in conjunction with a basic group term life policy, this type of coverage provides the flexibility for the employee to purchase additional amounts of coverage. The employee chooses the type and amount of coverage to suit personal needs and circumstances and pays the cost for the premiums. 3) Portable term life—Employees who lose the employer’s group eligibility (they either leave the group or retire) can take this coverage with them to continue their insurance protection generally until they reach age 70.They make their payments directly to t he insurer, many times through electronic funds transfers. From what I saw when I was reading the company policy when it comes to life insurance they use the typical coverage for there employees, they have there reasons why they do things the way they do it because everybody have different reasons for life insurance mostly this company uses number  1 for there employees. | Life Insurance Plans | Catherine Flynn | 5/20/2012 2:46:40 PM| | We offer voluntary life insurance plans for employee, their spouse, and dependents. Each are available in increments of $10,000.Each plan has a maximum benefit of $500,000 except for dependents, this insurance is only available in $2,500, $5,000, $7,000 or $10,000. This is only available for 30 days after you acquire the dependent (birth, marriage, adoption). I personally feel as though it's important for me to make sure my family, even though small, should be protected if I can afford it. Accidents happen, and if I have the available funds why not put money away for that purpose? I've always been a squirrel when it comes to money so saving plans like these are a good fit for me. | Commonwealth life insurance plan | Crystal Johnson | 5/20/2012 7:22:50 PM| From what I understand, my life insurance plan matches my base pay. Base pay is $20,000 to $25, 000 less than my actually income because of the amount of over time that I do. If I get killed on state property  it suppose to be three times my base pay. Rumored has it that the hostage situation that happened in 1998 where a staff was killed by another staff member the grieving family had to go to court to get the triple pay out. The insurance company said that the death was not caused by a patient so they did not want to pay. Even though the killer staffer was upset about upper management decision to fire him.Group Life InsuranceThe Commonwealth of Pennsylvania provides life insurance coverage for permanent employees through The Prudential Insurance Company of America. The a mount of life insurance is equal to your annual salary (rounded to the nearest $1,000) as of the date of hire, up to a maximum of $40,000. The amount of insurance is adjusted on January 1 of each year to account for pay changes. There is a 90-day waiting period from your date of hire before coverage takes effect. Eligible employees will receive a â€Å"Welcome Kit† from Prudential within three months of hire.The kit will include the Booklet/Certificate that confirms coverage and outlines the contract provisions that apply, as well as a Group Insurance Beneficiary Designation/Change form. | | RE: Commonwealth life insurance plan | Natasha Wylie | 5/28/2012 11:34:36 AM| | Life insurance should really be called â€Å"death insurance. † Like other types of insurance, life insurance is protection against the unknown. When you buy life insurance, you're paying for the peace of mind that your family will be taken care of in the event of your sudden demise. Life insurance is t he life jacket in the fishing boat..You hope to never have to use it, but it's nice to know it's there. Some people call life insurance gambling. They think that you're throwing away a bunch of money on the off chance that you'll die young. But when life insurance is handled correctly, it isn't gambling at all. It's simply part of a larger economic plan whose goal is the financial security of your family. It's a shame that often times its not handled correctly. | Imputed Income | Crystal Johnson | 5/24/2012 5:55:52 PM| | Income that may not be seen as cash, but instead comes in the form of a benefit†¦ ometimes by having another pay an expense†¦ sometimes by having a benefit provided. Examples: The value of a car provided by your employer that you may use for personal use. That value is imputed income. Likewise, the value of having some other benefits – over $50,000 a year of life insurance provided by your employer (the value of the insurance is imputed income). An employer sponsored (even if what it does just work to make the costs lower) of an on site cafeteria – imputed benefit. Having a below market rate loan†¦ that some employers provide certain employees†¦ he lower interest that they forgoe is a benefit to you†¦ and hence imputed income. Read more: http://wiki. answers. com/Q/What_is_imputed_income#ixzz1vpnMNB4x| Definition of Imputed Income | Lynn Peirce | 5/24/2012 9:33:06 PM| | As per our discussion in class tonight, imputed income is defined, as follows: â€Å"Imputed income is the addition of the value of cash/non-cash compensation to an employees’ taxable wages in order to properly withhold income and employment taxes from the wages. Imputed income is taxable to the assignee (unless specifically exempt).Because it is delivered for the performance of services (related to employment) it must be included in the assignee's Form W-2 to accurately reflect the assignee's taxable wage-related income† (se e http://definitions. uslegal. com/i/imputed-income/). I didn't want to add too much because Crystal also defined it in her post. | | Life Insurance | Natasha Wylie | 5/28/2012 11:28:45 AM| | Employee sponsored life insurance gives employees a peace of mind in the event of death. Having life insurance relieves some of the financial burden left on grieving loved ones.Employee-sponsored life insurance   protects family members by paying a specified amount to n employees beneficiary upon the employees death. | Disability Plans (graded)| In addition to replacing household income when an employee either retires or is no longer working, he or she may also carry some type of income-replacement plan in the event they become disabled. Does your current (or former) employer offer disability coverage for employees? What are the specifics of your coverage? Do you feel the need to purchase supplemental disability insurance? Why or why not? | RE: Disability coverage | Crystal Johnson | 5/22/201 2 2:08:29 AM| Jobs that offer short term disability insurance as part of a benefit's package creates more loyalty in employees than jobs that do not offer it. Human beings are going to acquire bumps and bruises as part of the â€Å"age and wisdom† baggage. Short term disability insurance gives you the luxury to fully heal while keeping a roof over your head and raman noodles on your plate. When employees know  that they  will be able to recuperate without financial stresses  from standing-on-the-stool-to-change -a-light-but-crashed-landed-into-the-wall, they are more willing to go stay where they are appreciated and valued. Disability Coverage | Lynn Peirce | 5/20/2012 1:51:31 AM| | Of course, the firm I currently work for does not offer disability insurance; since I am a Medicaid recipient, I currently would not need it. As far as purchasing supplemental disability insurance, I found an example of coverage from Combined Insurance Company, as follows: â€Å"Disability income insurance is paid directly to you for covered disability for up to two years* when you are totally disabled and can't work due to accident or sickness. You are protected, on or off the job, 24 hours a day, 365 days a year.You are considered totally disabled when you are under the regular care of a physician and are unable to perform the substantial and material duties of your own occupation. Income Protector works in conjunction with Social Security and Workers' Compensation to help you maximize your benefits. When no social benefit** is paid, Combined Insurance pays you the full benefit amount of your selected plan. When a social benefit is paid, our disability income protection makes up any shortfall between your target replacement paycheck and your social benefit payment. ** However, Combined Insurance will never pay less than 40% of the benefit amount purchased† (http://www. combinedinsurance. com/insurance-types/disability-insurance. html). I think it is probably a good idea, if you have a family and can afford it, but on the other hand, we are already paying into Disability, and it seems like another money-maker for insurance companies. I mean, there is insurance for just about everything anymore (like pet insurance). How far does it go, and how much should an employer provide when the cost of health insurance is already so high? | | Aflac | Crystal Johnson | 5/20/2012 7:38:08 PM| | I am not a saver. I know I should be more responsible and put money away  for rainy days. I know that I should put away 10% of my income for  life's  financial thunderstorms. I don't have a financial  umbrella. I like dancing in the rain so I got Aflac. Aflac  gave our union a group rate for  disability insurance and secondary life insurance. My coworkers  allowed Aflac to  take out money out of their check because the wanted a stronger piece of mind and  plan  B to their savings plan.I choose to have Aflac take out money out of my  check be cause I cant be trusted to do it myself. | | RE: Disability Plans | Lynn Peirce | 5/23/2012 5:08:32 PM| | They have to pay people/employees to do this, so they have to make it worth everyone's while. The cost to the employer has to be validated in order for it to continue. | | RE: supplemental disability insurance | Aaron Jones | 5/24/2012 6:21:07 AM| | I am sure that a whole lot of people will need this type of insurance when they get to a point in their life and hopefully the insurance will cover the things they will need cover once it kicks in.The rules always change when the person really needs this type of coverage this is why the person must make sure evrything is still good before the insurance is needed. | Disbility plans | Harpreet Sandhu | 5/23/2012 10:20:53 PM| | Short term disability insurance can replace a portion of income during the initial weeks of a disabling illness or accident whereas, long term disability can replace a portion of income after those initial weeks, for an extended period. Some people have one or both of these through their employer.Many people also choose to purchase individual disability insurance on their own. Individual Disability Income Insurance can provide protection for people who do not have disability insurance available through their workplace or may be used to supplement group coverage through their workplace. Some of the benefits of MetLife’s Individual Disability Income Insurance include: Monthly Benefit Payments—after an initial waiting period, benefits are paid for each month you can’t work through the policy’s maximum benefit period.Noncancelable and Guaranteed Renewable Coverage Available – Provided premiums are paid on time, MetLife cannot cancel or change your coverage or premium rates until the first premium due date on or after your 67th birthday. www. metlife. com/individual/insurance/disability-insurance/index. html | | Do you feel the need to purchase supplemental dis ability insurance? | Manqing Liu | 5/25/2012 8:13:45 PM| | Most people don't realize the risk of becoming disabled, permanently or temporarily, at some point in their lives. But the reality is that at age 40, your chances of becoming disabled for 90 days or more prior to age 65 is 43%. Source: 2004 Field Guide, National Underwriter). I think it is necessary to purchase a disability insurance. | | RE: Do you feel the need to purchase supplemental disability insurance? | Aly Traore | 5/25/2012 8:49:59 PM| | why would you want to buy an additional insurance, if you can invest your money somewhere else to make profit over the time period. in my opinion,   I think if your goal is to buy that supplemental insurance just to have more money in a case where you get disable or retired,   this is not a good option. | RE: Mental Health Paridy Act | Sylvia Privette | 5/25/2012 8:46:06 PM| | Modified:5/25/2012 8:47 PM | The Mental Health Parity Act (MHPA) provides for parity in the applicatio n of aggregate lifetime and annual dollar limits on mental health benefits with dollar limits on medical/surgical benefits. A plan that does not impose an annual or lifetime dollar limit on medical and surgical benefits may not impose such a dollar limit on mental health benefits offered under the plan. MHPA does not apply to benefits for substance abuse or chemical dependency. Health plans are not required to include mental health benefits in their benefits package. MHPA only applies to those plans that do offer mental health benefits. ttp://www. dol. gov/dol/topic/health-plans/mental. htm | | disability benefit | Manqing Liu | 5/26/2012 9:44:15 PM| | Monthly disability benefit depends on your average lifetime earnings. The amount also may be affected by your receipt of other government benefits. If you are getting workers' compensation, civil service, military, state temporary disability or state and local retirement benefits based on disability, the total amount combined with you r Social Security disability benefits may not exceed 80 percent of your average earnings at the time of your disability.Should your total government benefit go over that amount, your Social Security benefit will be reduced. Disability payments from private sources do not affect your SSDI benefits. | Does your current (or former) employer offer disability coverage for employees? | Natasha Wylie | 5/28/2012 12:35:42 PM| | My organization offers short and long term disability. Short-term disability provides income if employees are not able to work due to a non-work related illness or injury.Long-term disability coverage allows employees to continue receiving a portion of their salary for a period of time if they are disabled and cannot perform the duties of your regular job or injured. This employer-provided benefit provides 60 percent of base pay up to $10,000 per month maximum. | Disability Plans | Natasha Wylie | 5/28/2012 1:43:49 PM| | There are  four laws that influence the desi gn and implementation of company sponsered disability plans: ERISA ADEA The americans with disabilities Act State   Workers compensation and Social Secuity Disability Regulations |

Julius Caesar essays

Julius Caesar essays Julius Caesar was a strong leader for the Romans who changed the course of the history of the Greco - Roman world decisively and irreversibly. With his courage and strength he created a strong empire. What happened during his early political career? How did he become such a strong dictator of the Roman Empire? What events led up to the making of the first triumvirate? How did he rise over the other two in the triumvirate and why did he choose to take over? What happened during his reign as dictator of Rome? What events led up to the assassination of Caesar? What happened after he was killed? Caesar was a major part of the Roman Empire because of his strength and his strong war strategies. Julius Caesar was a Roman general and statesman whose dictatorship was pivotal in Romes transition from republic to empire. When he was young Caesar lived through one of the most horrifying decades in the history of the city of Rome. The city was assaulted twice and captured by Ro man armies, first in 87 BC by the leaders of the populares, his uncle Marius and Cinna. Cinna was killed the year that Caesar had married Cinnas daughter Cornelia. The second attack upon the city was carried our by Marius enemy Sulla, leader of the optimates, in 82 BC on the latters return from the East. On each occasion the massacre of political opponents was followed by the confiscation of their property. The proscriptions of Sulla, which preceded the reactionary political legislation enacted during his dictatorship left a particularly bitter memory that long survived. Caesar left Rome for the province of Asia on the condition that he divorce his wife because Sulla would only allow him to leave on that condition. When he heard the news that Sulla had been killed he returned to Rome. He studied rhetoric under the distinguished teacher Molon. In the winter of 75-74 BC Caesar was captured by pirated an...

How to Search for Files and Folders With Delphi

How to Search for Files and Folders With Delphi When looking for files, it is often useful and necessary to search through subfolders. Here, see how to use Delphis strength to create a simple, but powerful, find-all-matching-files project. File/Folder Mask SearchProject The following project not only lets you search for files through subfolders, but it also lets you easily determine file attributes, such as Name, Size, Modification Date, etc. so  you can see when to invoke the File Properties Dialog from the Windows Explorer. In particular, it demonstrates how to recursively search through subfolders and assemble a list of files that match a certain file mask. The technique of recursion is defined as a routine that calls itself in the middle of its code. In order to understand the code in the project, we have to familiarize ourselves with the next three methods defined in the SysUtils unit: FindFirst, FindNext, and FindClose. FindFirst function FindFirst(const Path: string; Attr: Integer; var Rec: TSearchRec): Integer; FindFirst is the initialization call to start a detailed file search procedure using Windows API calls. The search looks for files that match the Path specifier. The Path usually includes wildcard characters (* and ?). Attr parameter contains combinations of file attributes to control the search. The file attribute constants recognized in Attr are: faAnyFile (any file), faDirectory (directories), faReadOnly (read only files), faHidden (hidden files), faArchive (archive files), faSysFile (system files) and faVolumeID (volume ID files). If FindFirst finds one or more matching files it returns 0 (or an error code for failure, usually 18) and fills in the Rec with information about the first matching file. In order to continue the search, we have to use the same TSearcRec record and pass it to the FindNext function. When the search is completed the FindClose procedure must be called to free internal Windows resources. The TSearchRec is a record defined as: typeTSearchRec record Time: Integer; Size: Integer; Attr: Integer; Name: TFileName; ExcludeAttr: Integer; FindHandle: THandle; FindData: TWin32FindData; end; When the first file is found the Rec parameter is filled, and the following fields (values) can be used by your project.. Attr, the files attributes as described above.. Name holds a string that represents a file name, without path information. Size in bytes of the file found.. Time stores the files modification date and time as a file date.. FindData contains additional information such as the file creation time, last access time, and both the long and short file names. FindNext function FindNext(var Rec: TSearchRec): Integer; The FindNext function is the second step in the detailed file search procedure. You have to pass the same search record (Rec) that has been created by the call to FindFirst. The return value from FindNext is zero for success or an error code for any error. FindClose procedure FindClose(var Rec: TSearchRec) ; This procedure is the required termination call for a FindFirst/FindNext. Recursive File Mask Matching Searching in Delphi This is the Searching for files project as it appears at run time. The most important components on the form are two edit boxes, one list box, a checkbox and a button. Edit boxes are used to specify the path you want to search in and a file mask. Found files are displayed in the List box and if the checkbox is checked then all subfolders are scanned for matching files. Below is the small code snippet from the project, just to show that searching for files with Delphi is as easy as can be: procedure FileSearch(const PathName, FileName : string) ;var Rec : TSearchRec;Path : string;begin Path : IncludeTrailingPathDelimiter(PathName) ; if FindFirst (Path FileName, faAnyFile - faDirectory, Rec) 0 thentryrepeat ListBox1.Items.Add(Path Rec.Name) ; until FindNext(Rec) 0;finally FindClose(Rec) ; end;...{all the code, particularly recursivefunction call can be found (downloaded) inthe project source code}...end;

Allelic Drift - Definition

Genetic Drift / Allelic Drift - Definition Definition: Genetic drift is defined as the changing of the number of available alleles in a population by chance events. Also called allelic drift, this phenomenon is usually due to a very small gene pool or population size. Unlike natural selection, it is a random, chance event that causes genetic drift and it depends solely on statistical chance instead of desirable traits being passed down to offspring. Unless the population size increases through more immigration, the number of available alleles gets smaller with every generation. Genetic drift happens by chance and can make an allele disappear completely from a gene pool, even if it was a desirable trait that should have been passed down to offspring. The random sampling style of genetic drift shrinks the gene pool and therefore alters the frequency the alleles are found in the population. Some alleles are completely lost within a generation due to genetic drift. This random change in the gene pool can affect the speed of evolution of a species. Instead of taking several generations to see a change in allele frequency, genetic drift can cause the same affect within a single generation or two. The smaller the population size, the greater the chance of genetic drift occurring. Larger populations tend to function through natural selection much more than genetic drift due to the sheer number of alleles that are available for natural selection to work on as compared to smaller populations. The Hardy-Weinberg equation cannot be used on small populations where genetic drift is the main contributor to diversity of alleles. Bottleneck Effect One specific cause of genetic drift is the bottleneck effect, or population bottleneck. The bottleneck effect occurs when a larger population shrinks significantly in size in a short amount of time. Usually, this decrease in population size is generally due to a random environmental affect like a natural disaster or spread of disease. This rapid loss of alleles makes the gene pool much smaller and some alleles are completely eliminated from the population. Out of necessity, populations that have experienced population bottleneck increase the instances of inbreeding to build the numbers back up to an acceptable level. However, inbreeding does not increase diversity or numbers of possible alleles and instead just increases the numbers of the same types of alleles. Inbreeding can also increase the chances of random mutations within DNA. While this may increase the number of alleles available to be passed down to offspring, many times these mutations express undesirable traits such as disease or reduced mental capacity. Founders Effect Another cause of genetic drift is called founders effect. The root cause of founders effect is also due to an unusually small population. However, instead of a chance environmental effect reducing the numbers of available breeding individuals, the founders effect is seen in populations who have chosen to stay small and do not allow breeding outside of that population. Often, these populations are specific religious sects or offshoots of a particular religion. The mate choice is significantly reduced and is mandated to be someone within the same population. Without immigration or gene flow, the number of alleles is limited to only that population and often the undesirable traits become the most frequently passed down alleles. Â   Examples: An example of founders effect happened in a certain population of Amish people in Pennsylvania. Since two of the founding members were carriers for Ellis van Creveld Syndrome, the disease was seen much more often in that colony of Amish people than the general population of the United States. After several generations of isolation and inbreeding within the Amish colony, the majority of the population became either carriers or suffered from Ellis van Creveld Syndrome.

Write a paper about Michael Pollan's Food Rules Essay

Write a paper about Michael Pollan's Food Rules - Essay Example This has generated a common concern among people i.e. to search for ways to ensure healthy eating and maintaining a smart figure. The book â€Å"Food Rules† by â€Å"Martic Pollan† is very different from the conventional nutritional guides in that it teaches to control human activities more than calorie count, that is the focus of discussion in most of the nutritional guides. The book fundamentally discusses human psychology with respect to food. According to Pollan, although it is good to distinguish between right food and wrong food, yet the ultimate factor that decides the impact of food on an individual is the right or wrong habits. The book is based upon 64 simple and easy to follow rules that one should employ in everyday life from the start of the day till its end. For example, Pollan emphasizes in-take of a heavy meal in the breakfast, moderate in the lunch and lightest in the dinner. Likewise, he suggests never to eat up to the full capacity. Pollan believes that grandmas can be consulted to learn if a certain food should be consumed or not. Pollan suggests more in-take of fresh fruits a nd vegetables than meat. One should eat on the table and not while wandering, driving or watching tv. Rule No. 58 of Michael Pollan suggests us to â€Å"attend† food. (Pollen) says, â€Å"If we eat while were working, or while watching TV or driving, we eat mindlessly -- and as a result eat a lot more than we would if we were eating at a table.† One should not eat processed food. Junk food can be consumed but only the one that is home made. One can eat all the junk food and as much as one wants and still be slim and smart provided that one knows where to eat that. No wonder it sounds little absurd! To read this, one would wonder what one’s place of eating has got to do with the effect of food on body, though the relation is very strong and human psychology explains that. When eating is accompanied with another activity, one pay’s less attention to the volume of

Media plan for carpooling in Qatar Coursework Example | Topics and Well Written Essays - 250 words

Media plan for carpooling in Qatar - Coursework Example At the end if the program, every probable customer within the region should be aware of the ride-share. The organization will recognize its customers as the first practice. Then the organization will encourage satisfaction amongst the customers. Lastly, the company intends to use a number of methods to retain the customers. Quality service provision and effective resources will be used as the main factors for promoting continuity among the customers. Indeed, customers will be willing to be served by the entities that provide outstanding services. The media plan is set to be implemented with decreasing intensity from the first time as the process continues. In the beginning, the marketing will take place in all the identified media to relay its intentions daily. The main media houses identified will be used as conduit to relay information to their subscribers through television broadcasts and radio announcements for the first three months. After the first operation of frequent announcements and broadcasts via the identified media, the company intends to advertise twice per month in the subsequent months. Finally the company will be advertising in a sequence of three months. Through its Instagram account, the company intends communicating the images of its products such as cars to the public. Most customers are attracted with whatever they see and this will form a successful means of advertisement. This will form the main form of advertisement since the current trends favor animations in the marketing industry. The main advantage of animations as advertisement tools are the comics involved and the reality depicted besides the outstanding fictions. Targeting the cinema halls is important since it reaches the potential customers

Adoption Social Work Law Essay Example | Topics and Well Written Essays - 1000 words

Adoption Social Work Law - Essay Example he National Minimum Standards for Voluntary Adoption Agencies and Local Authority Adoption Service Act of 2003 and the National Minimum Standards for Adoption Support Agencies Act of 2005 in England. Ball (2005) reflects that the series of legislation is indicative of the growing interest and concern for adoption. She points out that adoption is not anymore a last recourse for families who are unable to conceive children but has become a matter of personal choice, if not an expression of social opinion. The 2002 Adoption and Children Act follows closely the provisions set forth by the Children Act 1989 particularly in its emphasis on welfare protection. One of the most critical provisions is the requirement for local authorities to establish a local adoption service pursuant to primarily to the Minimum Standards for Voluntary Adoption Agencies and Local Authority Adoption Service Act of 2003 as well as to national regulatory statutes. The local adoption agencies will be tasked to accomplish assessment of adopting parties, develop and institute support services and implement regulatory measures as needed. For adoption support agencies and other services, national standards for operations and performance were established. In effect, independent adoption agencies were required to subscribe to a uniform system of accessing information, delivering services and developing a database of information for retrieval for minors who were adopted when they reach maturity. The Act also provides for the regulation of inter-country adoption which has significantly increased to the due to international advocacies for the placement of displaced children due to war or wide-scale poverty (Parker & Bradley, 2007) In the 2002 provisions, there is greater sensitivity to changes in social constructions of â€Å"family†. The provisions provided opportunities for adoption for single individuals as well as unmarried couples. The legislation also responded to concerns regarding

Argumentative - Stereotyping Essay Example | Topics and Well Written Essays - 1250 words

Argumentative - Stereotyping - Essay Example Further, with the advancement in technology, the pregnancy is notably expensive to â€Å"maintain†. It becomes difficulty to afford to term the pregnancy until delivery, or it becomes hard to bear to give away the child due to the motherly attachment. Unplanned pregnancies can prove stressful for women and whether or not to have right to abort remains a controversial topic. Critics believe abortion is not a subject of discussion because according to them, it is not only wrong but also a crime (Boonin 5). They say aborting or killing a fetus is terminating a human’s life. However, it is realistic for women to abort due to various reasons. Due to the several instances leading to pregnancy, it is arguable that abortion should be allowed. For instance, women have the right to exercise the will to make choices about their bodies (14). A woman has a right to abort if she is of tender age and cannot afford to raise the baby. A woman should also have the right abort in case the pregnancy exhibits negative health effects on either the expectant or the offspring. It is a woman’s right to decide on what to do with her own body as having control over it is as vital as any other human right. Women rights activists argue that, all women have the right to whatever they please with their bodies without anyone’s interference. In addition, a woman should have the right to abort if she is of a tender age and in no position to bring up the baby. Sometimes, medical practitioners do not suggest abortion to girls under the age of sixteen as they may lose the ability to have children in the future. Nevertheless, unplanned pregnancies can exert too much trauma on women (18). Therefore, if they cannot properly give the child a normal life it is reasonable for them to flash the child. This could prove important for a mother’s life and her future especially if the mother is still in school. There are