Human experience Essay

Star I thought it was a big coincidence that I ended up babysitting for a cancer patient with the same name as mine, Stephanie. Star, as she was fondly called, was a picture of hope when I first met her. I was a student then at a university near the hospital where she was confined. Her mom was a friend of my sister’s and one day, she took me with her to visit Star. That visit marked the beginning of a wonderful friendship. Every day I would visit her and she will be waiting by her window. I would bring her gifts, mostly toys and books I bought from a bookstore beside our school. We would often read the books together or play with her dad. One time, we also decorated her room with paper flowers and dolls. Star shared her dreams with me. She told me she wanted to become a doctor someday and help children like her. She wanted so much to get well that seeing her fighting for her life everyday sent tears to my eyes. But I never showed her my weakness for fear that that will bring her to her end. She taught me in her own little way to remain brave and hopeful despite the trials that come my way. It was in the afternoon of August 7, 2001 that she finally bid us goodbye. She knew it was her time to go back where she belonged, among the little angels of God where there is no pain, no tears, but only joy. That experience in my life made me wonder if God really exists and if He does, how come He didn’t answer my prayers. On the other hand, I knew that it was for the best. I myself didn’t want Star to suffer any longer. I realized God works in mysterious ways and we have to pass by many significant experiences to keep our faith and love for Him strong.

Personal risk management plan

Risk and costs happen all the time in our lives. Everyone will encounter a variety of risks. A risk management plan is a process that identifies loss exposures faced by an organization and selects the most appropriate techniques for trading such exposures. The first step for all of the risk plans is identifying the loss exposures. The first kind of loss exposure I'm identifying is health loss exposures. This kind of loss exposure can be costly, such as disability, sickness or even premature death.The second loss exposure is property loss, such as pet damage for the apartment. I have a cat for which I have to pay a deposit for it to live in the apartment, but it may damage the apartment and that will cost me; it's a loss exposure. Loss of equipment can be a property loss such as a lost cell phone in class, a stolen Pad or a laptop left in the library. I lost my pod before and I know I will never get it back. Also, bank accounts or online accounts can be stolen or used by someone else. Car theft or a car accident can be accounted as a property loss.If the car gets stolen or if it gets into an accident, such as no fault, fault with property damage or fault with bodily injury, I won't have anything to drive. The third one, for me, is the foreign loss exposures. Because I'm from a foreign country, I have to travel to go back home so when I take the plane, some loss exposures exist, such as acts of terrorism on the plane or at the airport, accidents, and lost baggage in the airport with all my belongings inside. Sometimes, when I purchase plane tickets I also purchase the flight insurance to cover up the loss if anything happens.Also the currency lost exposures are also under the foreign loss exposures. For example, I bought Chinese currency when the exchange rate was 1 :8 and now the exchange rate change to 1:6, I lost part of my money because of the change of the currency in the market and the possibility that the rate may keep dropping throughout times. The fourth catalog I have is the crime exposures including robbery and fire damage. In addition to the big part of crime exposures, there are Internet and computer loss exposures and identify loss, such as losing your passport or ID card.The second step for a risk management plan is to analyze the loss exposures and he third step is to select an appropriate risk management technique for treating the loss exposure utilizing the risk management matrix. There are a number of changes of loss under the health loss exposure catalog. According to my insurance policy, sickness is identified as â€Å"Illness or disease which first manifests itself, is contracted or commences, and for which a licensed physician identified diagnosis is recorded during the period the Insured Person's coverage is in force†.The probability of me getting sick during the flu season is really high. I may have to go to the clinic to get reattempts and skip classes, which will cost me the chance to be in class and learn knowledge. For that circumstance, the loss frequency is low and the loss severity is not high, either. If I missed class while I was in the clinic, I could get an excuse for being sick. I could also ask my classmates for the notes and even email my professors to ask what I missed and study it by myself, after all.Depending on the risk management matrix in the case, my getting the flu fits the retention technique. But if I get a horrible virus from the flu that causes me to stay in the hospital and be absent or a few days, the loss severity will be higher because the cost of recovery will be higher and the cure time will be longer. In that case, I need the medical insurance that Marshall University requires all the international students to have. The medical expense benefits under the policy are the maximum benefit of $250,000 per injury and sickness with the deductible of $50 per policy year.The policy will pay 90% of the POP (preferred provider organization) allowance for covered m edical expenses incurred until an out of pocket maximum of $5,000 has been met; then 100% of POP allowance is paid thereafter, and the accidental death benefit is $1 5,000 per life. From the technique of risk management, we can tell this kind of loss with low loss frequency and high severity belongs to the insurance. The insurance company won't mind if it happened one time.Nonetheless, this kind of loss can be avoided easily, like keeping myself warm and washing my hands more often, not going out in the public so frequently during the flu season. Damage to my 2012 Mazda 3 because of a collision with another vehicle, nature, or another hazard would be handled through this risk management plan technique of insurance. My current auto policy has both the comprehensive coverage and collision coverage with a deductible set at $1,000 on each. Bodily injury liability of property damaging limit for each accident is $25,000; medical payments coverage for each person is $5,000.Uninsured motor vehicle coverage is If I get in an accident damaged the car and have to put it into the shop, I have the car rental and travel expenses coverage, and the insurance company will cover 80% of the rental for each day and $500 for each loss. Also the deductible is $400 on my car. Because I'm a new driver, in the case of an accident the loss severity is high. However, because I'm a new driver, I pay more attention to not cause an accident so the loss frequency is low. The appropriate risk management plan is insurance.Online and banking accounts can be hacked easily today, all of my information can be found online. Bank cards can be copied by online shopping; some websites reveal my payment information and a few days later I received a phone call from my bank telling me my card had been used on a few websites spending a mass of money on strange things. They thought is was identity theft so they froze my account and stopped the payments and also made a cancellation. Under this condition, l oss frequency is really high and the loss severity can be high as well, so the appropriate risk management technique is avoidance.A foreign loss exposure such as currency is a high chance of loss. When I first came to the Untied States, the exchange rate between dollars and Chinese Yuan was 1 to 8. 3, it meaning 1 dollar was worst 8 Yuan. My father bought at least $25,000 and wired it to my account when the rate was around 1:8. 3, but a short time after the read, the rate went down to 1:7. China's economy is growing, so fast that exchange rate is Just keeps dropping, so we lost some money Just because the currency rate was dropping and kept dropping.Using the risk management matrix, you can see the loss frequency is high because Chinese money is worth more value everyday and the loss severity is also high, so the best I can do it to avoidance the loss. So now my father only transfers little amounts of money to my account and puts the majority in the bank. Once I swipe the card in th e USA the bank exchanges the money with the rent exchange rate to avoid the loss exposure from the rate dropping. I currently reside in an apartment in Huntington and my rental office requires that everyone have to have renters insurance.According the text, I would have low frequency and high severity when dealing with rental insurance. My renters insurance is through my host family's homeowner's insurance policy, which is provided from State Farm. My current deductible is set at $1000 and the current policy has the following covers the following: Personal Property up to $20,000, Personal Liability for each occurrence p to $100,000, Medical Payments for each occurrence up to $1,000, Credit Card/ Bank Card and Forgery up to $1,000, Damage to Property of Others up to $1,000, Loss of Use (Actual Loss Sustained) up to $500.The current policy also has added on Endorsements, which included the following: Jewelry and Fur up to $1000, Silver/ Gold ware Theft up to $2,500, Business Property up to $1 ,500, Firearms up to $2,500, Home Computer up to $5,000, Fire Department Service Charge up to $500 When reviewing the risk management, I find out I don't really have a lot of protection insurance. When it is time for me to implement my plans by contacting insurance agencies and finding the best one to meet my needs.Then the step that I would take would be to go over all of my risk assessments every year to better insurance that I am getting the best deal. This would change if a major purchase occur, such as a child was born, or a newer car was purchased. My personal risk management will be easily assessed, because you continuously have to pay the bills on insurance and so you are reminded of it. However, it's important to reconsider your policies and needs, so that you can revise your policies correspondingly.

Democracy and Reform Movements Essay Example | Topics and Well Written Essays - 1500 words

Democracy and Reform Movements - Essay Example Most of the reform movements were geared to movement towards a democratic society which provided equal rights for all the people. One of the greatest movements was the women’s reform movement which demanded for more women participation in the state affairs like voting rights. Elizabeth Candy Stanton organized and participated in the Seneca Falls convention where major statements on the promotion of women rights were made but women seemed not interested in the movements. Other reform movements which took place include the new correctional prison system which called for better treatment of prisoners but did not emphasize on their democratic rights. Temperance movements which enforced spread of equal opportunities to all attempted to help women and children whose lives had been worsened by the drinking fathers and husbands. The blacks were considered as second class citizens who were not even allowed the right of citizenship in the American society. The period was marked by massi ve settlement of Native Americans in Mississippi River and the concentration of wealth in few of the American upper social class. The reform movements of that period only focused on ending the economic inequality among classes in the Native American citizens and did not advocate for the rights of the black people. Some states abolished the property and tax qualifications for voting which saw a record high of 355,000 votes cast in 1824 where the number kept on increasing to reach 1.1 million after four years due to the end of the property qualifications. The method of voting was initially orally where the voter would state his choice but the years of 1820s saw dramatic shift since few voters would hardly vote against a candidate when his supporters had crowded the voting place. There was introduction of ballot papers which gave the voter more autonomy in choosing his preferred elective candidate though the ballot papers were themselves prepared by the political parties due to lack of government bodies which could oversee the election process. Political offices became more democratic and elective rather than appointive hence leaders became more accountable to the public. By 1932, most of the states with exception of South Carolina shifted the selection of the members of the electoral college from their legislature directly to the voter hence there was introduction of more voting democracy. Democracy and reform movements Introduction The ideals of equality, liberty and pursuit of happiness characterized the desires of American population up to the period 1850. The desire was to make America civilized in order to expand democratic ideals by expanding the moral standards of the common citizens. Movements like the women and slave movements focused on the liberty (Murrin, 2012). Movements like temperance, abolitionist and natives to public schools and better living conditions were some movements which were pursed with democratic ideals (Greer, 1949). Women movement s trongly reinforced the importance of morality and equality through the struggle for social justice and the desire to see a more civilized American society which would be more productive (Boyer, 2008). The rise of democratic politics can be traced back to 1824 -1832 when the republicans on suspicion of the government policies on spread of cotton to the south

The Evolution of E-Marketing Tools Research Paper

The Evolution of E-Marketing Tools - Research Paper Example E-Marketers can also use other media such as phones for purposes of advertising their products. There is also the installation of electronic billboards installed on public places and bus stations. E-Kiosks have also emerged, and are used in large malls for purposes of advertising the products of a company. It is also possible for markers to create video brochures, and insert them in feature films, just for purposes of targeting their intended customers (Belch and Belch, 2012). The internet is the most dominant form of e-marketing. Companies use the social media like face book, and twitter to advertise their products. These social media advertisements have the capability of reaching a wide audience of people. It is also a very fast way of sending a message to a wide audience of people. Companies also use their websites, and Google search engine technologies to advertise their products. Google has a pay per click advertisement policy where advertisers pay for their products, once an in dividual clicks on a link that take them to their advertising pages (Juon and Greiling, 2012) . The major challenge in using the internet as a tool of marketing is the inability of the company under consideration to drive traffic to their websites, and create content awareness. ... The social media is a very effective method of conducting a marketing campaign; however, most marketers are unable to use it to their advantage. This is because they are unable to understand the various needs of their target customers. The pioneer of early marketing system is Johannes Gutenberg, with his invention of the printing press that had a replaceable wooden or metal letters (Jones, 2012). This machine had a capability of typing and printing letters in a very effective manner. For example, he managed to use this machine and his printing press to create the Gutenberg Bible in 1455. As a result of this innovation, the use of printing machines spread rapidly in Europe. The Gutenberg press led to the revolution in the manner in which information was passed to the masses. This is because it was now possible to print a mass of brochures and flyers. The Gutenberg Bible is the first written material produced by the use of this technology. This printing press technology remained the st andard until the 20th century, when the evolution of computers emerged (Jones, 2012). Another technology that shaped early marketing is the development and evolution of the telegraph. The telegraph involves a long distance transmission of a message, without the physical presence of the person disseminating the information. The telegraph was invented by Samuel Morse in 1837. Through a series of experiments, Samuel Morse concluded that the telegraph was able to record and transmits messages over a long distance. The telegraph was able to transmit mass messages, and hence it made it possible for markers to use it in marketing their products. In 1922, a new concept of advertisement began, and was referred to as radio-advertising (Jones, 2012). This was a concept whereby companies bought air

The Rainmaker Film Movie Review Example | Topics and Well Written Essays - 1000 words

The Rainmaker Film - Movie Review Example Nevertheless, The Rainmaker did relatively well and its actors got good reviews. Its director, Francis Ford Coppola, who also did the screenplay, got positive comments as well. According to Roger Ebert, "I have enjoyed several of the movies based on Grisham novels ... but I've usually seen the storyteller's craft rather than the novelist's art being reflected. ... By keeping all of the little people in focus, Coppola shows the variety of a young lawyer's life, where every client is necessary and most of them need a lot more than a lawyer." (Ebert) The plot of the movie revolves much around Rudy Baylor, a young lawyer who would have wanted to make it big in very first case that he handles. Being the central figure, the main conflict of the film dwells on his first legal challenge, a case regarding a family's struggle to make an insurance company pay for the surgical operation of a son afflicted with leukemia. While doing so, Baylor also has to deal with the conflict between making money a priority as a lawyer and standing up for the 'small people' against a huge unscrupulous insurance firm, Great Benefit, and its host predatory lawyers led by Leo Drummond. The conflict between making his profession as a milking cow and dignifying it by accommodating a worthy cause of the less-privileged is even made more intense as Baylor is partnered by a six-time bar flunker, Deck Schifflet. Schifflet tries to convince him to do everything, including illegal methods, just to win the case and bag a huge sum of attorney's fees from the defenda nt insurance company. Acknowledging Schifflet's rich experience and his grave lack of it, Baylor later agrees to the suggestions especially when he developed a passion in fighting for the oppressed claimants. At one point the conflict between self-interest and the interests of his lowly clients peaked seemingly when has to take measures in helping the woman he loved, Kelly Riker, from a violently abusive husband. All these conflicts, of course, are resolved at the end of the movie. Baylor and his clients, the Blacks, won the case against Drummond and Great Benefit. This has been done partly because of the Baylor's litigation skills and Schifflet's off-hand tactics. However, an Afro-American judge with a good background in civil rights also contributed much to the victory. Drummond and Great Benefit, in a desperate but wicked move to save the insurance firm's profits filed for bankruptcy and got it. The Blacks never won the amount of money they want to claim. Baylor and Schifflet never got the millions of attorney's fees they worked hard for. Nevertheless, the movie ends with a lesson that a truly worthy cause cannot be bought by any amount of money. Baylor did not get the huge amount he and Schifflet dreamed for but wins friends, respect and a good promising future in the legal profession. As icing on the cake, he also wins Kelly. Matt Damon plays the role of Rudy Baylor. While some roles are tailor-made for an actor, Damon's case in The Rainmaker is different. He just naturally fits the role. He has no physical features that may grant him the usual star qualities according to the standards of Hollywood. His acting is not really as convincing as most other stars. However, in this particular film, Damon's acting fits the role perfectly. Baylor's character is that of freshman lawyer who is lacking in confidence while beset with

Article Summary + Its Application at an Organization Essay

Article Summary + Its Application at an Organization - Essay Example Because of this study, the authors hope a clearer picture is painted on not only why HR managers might pass on suggestions, but also which practices supported by research do not concern practitioners in the field. The authors also import insights from the Canadian Human Rights Tribunals and how that organization selects individuals to serve on the committee, which is an interesting interdisciplinary attempt to draw on different sources, beyond simply those working in the human resources field. As a result, Simola, Taggar and Smith (2007) emphasize the concept of â€Å"alignment† between practice and theory. The study looked at 329 human resources professionals in a central Canadian province, 301 of whom had completed interviews over the past 12 months prior to the survey. Participants completed a survey that examined six dimensions of interview structure, including job analysis, standardized administration, behavioral questions, training, note taking, and interview panels. HR professions in the study were measured according to a Likert scale on how often they employed such techniques. In addition to comparing the frequency of using particular interviewing techniques with descriptive statistics, the authors regressed perceived interviewing expertise of the practitioners and their preparedness to respond to candidates’ concerns onto the six-dimensional variable of interview structure. Firstly, the research found that Canadian human resources professionals converge with the Canadian Human Rights Tribunal in terms of what interview practices are valued by deviating from professional standards and recommendations of research scholars of employment interviewing. Secondly, human resources professionals do not make much use of standardization despite recommendations from research scholars and more frequent use of the technique by Human Rights Tribunals. Thirdly, both Human Rights Tribunals and interview

Economics and Politics in the Philippines Research Paper

Economics and Politics in the Philippines - Research Paper Example The government encourages more foreign investments in industries such as mining, tourism and business processing operations (Philippines Economic Statistics). The Bangko Sentral ng Pilipinas controls the foreign exchange market. It ensures orderly conditions in the foreign exchange market. Supply and demand determine the exchange rates in the market and is consistent with the Government’s regulations on market-oriented reforms and strategies of achieving competitiveness via price stability and efficiency (from Bangko Sentral ng Pilipinas). The Philippines has increased bilateral trade with many countries leading to increased trade volumes which increase economic growth. Its main trading partners are Japan 12.5%, United States 12%, China 8.8%, Singapore 8.7%, South Korea 7.9% and Taiwan 5.7% (from ADB Annual Report 2010). The Philippine government has over the years implemented tax measures that increase government budget, lessening the budget deficit. This has led to increased control in foreign loans and improved repayment of foreign debts. Foreign investment has increased due to reduction of foreign debt thus resulting into increased economic growth (from Philippines Economic