Hsm 230-Week 5 Assignment: Hhs Law Profile Paper

health Insurance Portability 1 Health Insurance Portability and answerability Act Name University Class Professor date Health Insurance Portability 2 The Health Insurance Portability and Accountability Act (HIPAA) was established in 1996 to protect the rights of individuals when receiving function from health organizations. The Health Insurance Portability and Accountability Act ensures silence and confidentiality of individuals health discipline. Health selective information could be protect on paper, oral communication, or electronic completelyy.If an individuals privacy is violated in all way that individual has the option to file a complaint against the offending office. The Office for Civil Rights assists individuals with complaints by investigating them. If gather upful the Office for Civil Rights will impose a fine for violating the silence Rule Provision. Criminal violations of this justice are referred to the United States Department of Justice for investigation and action (United States Department of Health and Human go, 2008). The Privacy Rule imposes rules that healthcare workers must abide by to protect patients information. By doing this the Privacy Rule dictates how atients information could be handled in pharmacies, hospitals, and other healthcare industries. Patients render access to their medical checkup records if copies are needed or if mistakes are found. in that respect could be a monetary charge for copies but patients should receive copies within 30 days of the request. If a medical provider requires sharing of the patients information this request must be approved by the patient in writing. This nonice is usually provided by the healthcare organization to the patient upon their branch visit. This notice allows the patient to appoint any person whom he or she wishes to have access to their medical files.A patient could amend or omit information at any time. Patients would sign or initial this document generated by the o rganization which was Health Insurance Portability 3 formatted per HIPAA guidelines. If the document is amended in any way the patient must be presented with the updated document and given the opportunity to review and sign it. The Privacy Rule imposes limits on how the information is shared. To provide the highest look of care this rule does not permit any medical staff that is outright working(a) from the patient to share information with another staff that is working directly with the patient.This could include physicians, nurses, and other medical providers that treat the patient. If any other provider that is directly working with the patient requires the medical information the patient would need to sign a consent form. A form usually called release of information would be completed and would specify which information could be shared. By specifying which information could be shared is another way for the patient to protect their information. For example if a patient is appl ying for life insurance they could consent for the life insurance caller-up to have access to their medical lab work.The patients file could include more extensive history such as mental illness or working(a) history, but this information would not be shared. The Health Insurance Portability and Accountability law affects day-to-day operations in many another(prenominal) ways. The Privacy Rule ensures that various(a) healthcare providers have policies and procedures as to different ways to protect a patients information. Different agencies such as health insurance organizations, pharmacies, and physicians have procedures as to how to protect information.These various healthcare workers have demands that are flexible to permit different healthcare workers to implement them as necessary for their practice. Covered medical personnel could limit the use of information as required. In addition, healthcare organizations are Health Insurance Portability 4 required to take additional g o to maintain patient privacy and confidentiality. These steps include but are not limited to written privacy procedures, employee training, and hiring a privacy officer (to contend that a high level of care is provided).If a consumer feels that his or her privacy has been violated they have the right to file a complaint. This complaint flock me submitted directly to the offending provider or can be submitted via mail, or electronically to the Office for Civil Rights. The Office of Civil Rights provides adequate space for the consumer to explain wherefore he or she feels her information has been used without proper consent. A consumer may also receive information on how a complaint may be filed The Office of Civil Rights provides this chart of penalties that could be assessesA large penalty may be assessed if found guilty up to $100. 00 per violation, up to $25,000 per year, for each requirement or prohibition violated. Criminal penalties apply for certain actions such as knowing ly obtaining protected health information in violation of the law. Criminal penalties can range up to $50,000 and one year in prison for certain offenses up to $100,000 and up to five years in prison if the offenses are affiliated under false pretenses and up to $250,000 and up to 10 years in prison if the offenses are committed with the intent to sell, transfer or se protected health information for commercial advantage, personal gain or malicious harm. (United States Department of Health and Human Services, 2008). The Health Insurance Portability and Accountability Act was designed to provide a consistent amount of protection in the exchange of data for a patient. When the regulations were implemented it became obvious that there was much to do. There were many holes in the system Health Insurance Portability 5 when it came time to protect patient medical information.It was found that the security requirements would apply to all medical personnel. This code provided a system tha t protects everyones rights. The Health Insurance Portability and Accountability Act also establish protection from discrimination based on the information in the records. The Health Insurance Portability and Accountability Act serves to protect patients right by setting a standard of practice for ensuring the privacy of thickenings information. A client may select whom he wishes to have access to his personal information by signing a waiver of consent.The Health Insurance Portability and Accountability Act also would conduct an investigation of any claims of violation and holds violators accountable (HHS. Gov, 2008). Health Insurance Portability and Accountability Act compliance impacts all departments that have interaction with a clients personal information like medical staff, medical records, billing, etc. Health Insurance Portability and Accountability law is inconvenient at times but it is also necessary to protect our information from being used in a way that we do not wish. Health Insurance Portability 6 References Department of Health and Human Services (2008) What does HIPAA privacy rule do? Retrieved September 26, 2008, from http//www. hhs. gov/ Manning, S. S. (2003). Ethical leadership in human services A multi-dimensional approach. Boston Allyn and Bacon. United States department of health and human services. (2008). United States department of health and human services. Retrieved September 25, 2008, from Department of Health and Human Services http//www. hhs. gov/ocr/hipaa/

Has the Single Market project in Europe been a success?

Abstract The geological formation of the EUs adept trade was mean to create jobs and enhance prosperity. Since it was establish in 1992, significant benefits contrive been made to the EUs internal market and a lot of opportunities have been created. scorn this, more problems continue to make it and further changes atomic number 18 obligatory if the objectives of the EU are to be oerflowingy realised (European accusation, 2012 1).IntroductionThe idea behind the European Unions (EU) atomic number 53 market was to treat the EU as one territory so that the free be activement of nation, goods, money and services could be achieved (Europa, 2012 1). The single market was set up by the EU to enhance competition and switch over by dint of a system of standardised jurisprudences that apply to every(prenominal) instalment States (Barnard, 2002 1). This improves efficiency and gives individuals more cream when it comes to providing and attaining goods and services. The ov erall quality of the goods and services is increased, which is economically beneficial. The wizard European Act was enacted in 1986 to establish a single market and has since been considered one of the EUs greatest achievements (Europa, 2012 1). This led to the abolishment of internal b commit controls surrounded by EU countries in 1993 and is now accessible to millions of people across 27 Member States. Restrictions to trade have been removed and individuals now receive better standards of living. EU law comprises of treaties and legislative purvey, such(prenominal) as directings and Regulations that aim to secure the free movement of goods, services, people, and capital. De scandalise this, Member States are stillness responsible for social welfare and taxation, yet the EU influences the policies of Member States (Europa, 2012 1). The single market has been thriving in allowing people and occupationes to move freely within the European Economic Area (EEA) and has because tr ansformed the way individuals live, work and travel (Mayes and Hart, 1994 177). The progress that has been made towards the development of the EUs single market entrust be identified in this study in order to work the extent to which it has been a success.Barriers to the free movement of goods, services, people and capitalThe single market was intend to remove any barriers that restrict the free movement of goods, services, people and capital. A number of different policies have therefore been follow outed that seek to remove any free movement restrictions (Mayes and Hart, 1994 5). This has significantly relateed many organisations and industries within the internal market. However, unless EU policies are conformed to by all Member States it is unlikely that greater freedom will be attained within the EU. This is often at the expense of widely accepted practices however this is considered necessary in achieving harmonisation. It therefore seems to be important that any barriers to trade are removed and that actions likely to impact sustainable development are eradicated. Article one hundred one of the Treaty on the Functioning of the European Union (TFEU) (ex Article 81 EC) provides that all agreements between undertakings, decisions by associations of undertakings and concerted practices which may affect trade between Member States and which have as their object or effect the prevention, restriction or distortion of competition within the internal market shall be strictly prohibited. Any limitations that are placed upon the freedom to trade should therefore be prohibited so as to allow for the freedom of movement to be attained. Whether this is sonant to establish in practice, is a debatable subject because although substantial improvements have been made in the 20 year history of the EU, it is clear that many obstacles still need to be overcome in guaranteeing a free market (Alam, 2007 153).Single merchandise and CompetitionThe establishment of the s ingle market within the EU provides greater opportunities to businesses by providing them with access to the worlds largest trading bloc (Gov, 2013 1). This enhances economic activity whilst similarly creating healthy competition through the stimulation of business and innovation. This leads to growth and job creation as export and trade will be increased Gov, 2013 1). Not only does this have a beneficial impact upon the economy but it also increases productivity. Consumers also benefit from a single market as competition often leads to reduced costs for products and services. This was identified by Euromove when it was pointed out that competition is one of the main driving forces of an advanced modern economy as it gives the consumer choice, it puts downward pressure on prices, it rewards innovation and it helps to create jobs (2009 1). Nevertheless, in order to prevent unfairness and ensure that the single market is a level playing field, the EU has introduced various rules and principles that seek to create fair competition. much(prenominal) principles impose a number of burdens upon businesses within the EU, although this is considered necessary in the proper functioning of the internal market. It was evidenced by Shuibhne that the establishment of the internal market created a different focus of competition law in terms of addressing the barriers to integration created by state intervention in the market and the problems that occurred as a dissolving agent of the liberalisation processes of the 1990s (Shuibhne, 2006 88).Whilst the legislative framework is now developed, on-going improvements continue to be made so that rules and regulations are macrocosm properly enforced and so that businesses and consumers realize the rules that exist within the internal market. This has been happening since the internal market was first established, so as to maintain an effective operation of the single market. Some of the improvements have included improving an d enforcing single market rules, reducing the regulatory burden imposed upon businesses, and the liberalisation of certain areas including public procurement, public services and utilities (DTI, 2002 1). In spite of these improvements, there are still many underlying weaknesses that exist in the single market which seems to suggest that it may not be as successful as originally anticipated in the internal market strategy. Some of these weaknesses have arisen as a result of failures by Member States to implement few of the directings (Kennedy, 2011 108), a lack of co-operation that exists between Member States, or because of inadequate enforcement (Kennedy, 2011 108). In 1999 the internal market strategy was put forward by the European Commission which set out the aims and objectives of the establishment of the internal market. Various measures were co-ordinated into this strategy which sought to guarantee the proper functioning of the single market. This strategy has since been r eviewed on an one-year basis, though it cannot be said that the internal market is complete. Therefore, despite the fact that many obstacles have already been removed by the EU, reinvigorated challenges are continually being dealt with.It has been said that companies within the EU should take full prefer of the single market model since the free movement of capital, goods, services and labour would be realised more easily. tax issues arising from cross-border mergers and acquisitions would effectively be minimised through economic integration. This was identified by Ilzkovitz et al the Internal Market is a powerful actor to promote economic integration and to increase competition within the EU and it has been the source of large macro-economic benefits (2007 271). Arguably, it seems as though the main objective of the Single Market is to allow competition to be obtained through the ability to trade freely within the EU. In accordance with this, it would therefore be beneficial if EU Companies took full advantage of this market so as to avoid many issues that arise from various issues including the taxation issues that result from Merger and Acquisitions (M&A) deals. Hence M&A deals are structured in a way that results in harsh tax liabilities and since an asset-based deal will typically expose the seller to two levels of taxation, corporate and in-person and a stock-based transaction can be unattractive to a buyer given the tax treatment of fixed asset values (Q Finance, 2010 1). If a political party only conducts business within the single market, then they will not be exposed to such harsh tax liabilities. This encourages competition which is imperative for the attainment of the economy.However, because there are certain restrictions that exist within the single market, companies often find it difficult to expand their business in the internal market. Thus, as argued by the European Commission national tax systems in the EU differ so much that it can be complicated and expensive for companies to expand in the single market (European Commission, 2011 1). Because of these problems, a number of proposals were put forward by the Commission to eliminate these absurdities including the introduction of a single set of tax rules, also known as a Common Consolidated Corporate Tax Base (CCCTB). This would make it a lot easier and cheaper for companies to do business within the EU and as identified by Goodall every year the CCCTB will save businesses across the EU 700 million in reduced compliance costs, and 1.3 billion through consolidation (2011 53). The current problems that emerge from companies entering into M&A dealings would be removed and harsh tax liabilities would be avoided. Long term administrative improvements would also be made for those companies operating in multiple member states (Drysdale, 2007 66), which is welcoming for those companies wishing to save on taxation. The freedom of movement will be likely to be obtained m ore easily by the carrying out of a CCCTB. This will certainly encourage competition within the single market and more companies would most likely enter into M&A deals as a result.Conversely, not all agree that the CCCTB is effective, however, and as a result of this many Member States have refused to support its implementation. It is felt that a CCCTB would be a de facto infringement of their tax sovereignty should such a Directive be written into law (Ernst and Young, 2011 40). This provides an example of how Member States will not implement every Directive that exists under EU and signifies how greater co-operation is needed. In spite of this, there are many drawbacks that exist within a CCCTB and it is questionable whether the tax advantages of a CCCTB outweigh the drawbacks that would arise if it was implemented. In addition, it was confirmed by the Secretary to the Treasury, Justice Greening, that the draft guiding to introduce a CCCTB does not comply with the principles of subsidiarity and proportionality (Cave, 2011 87). Furthermore, it is also unlikely that the government will agree to a proposal that might exist or limit the UKs ability to shape its own tax policy (Cave, 2011 87). In view of these assertions, it cannot be said that a CCCTB should be incorporated since it appears to be out of step with the principle of subsidiarity. This principle aimed to ensure that the EU only acted in instances where the proposed action could not be achieved by individual countries. Effectively, although there are many benefits of a CCCTB, there are also a significant amount of drawbacks that transpire and it seems as though the government ought to ensure that a CCCTB, if implemented, does not undermine competition, whilst also ensuring that extensive opportunities for tax avoidance are not created. It is arguable whether this can be achieved and it seems as though extra demands will in fact be placed upon corporate tax departments.Taxation Articles 25-31 and 3 9-60 of the Treaty on the Functioning of the European Union (TFEU) lay down the aboriginal freedoms that are pertinent to tax law and thus facilitate free movement of goods, services, persons and capital within the European Economic Area (EEA). Accordingly, as argued by Sypris, the changes made by the implementation of the TFEU influence the internal market exercise law of the Court of Justice, which represents a significant threat to national labour laws and practices (2008 219). The ECJ held in Gschwind v Finanzamt Aachen-Aubenstadt (Case C-391/97) 1999 ECR I-5451, 2001 STC 331, ECJ that direct taxation is a matter which falls within the competence of Member States, however, that competence must be exercised in accordance with EU law (Lee, 2010 1473). This demonstrates how Member States no longer have complete control of their own laws and that the fundamental freedoms, enshrined under the TFEU, must also be taken into consideration. As noted by Lee ever since the treaties fir st came into force, the fundamental freedoms have been interpreted broadly, so as to strike down domestic legal rules irreconcilable with an internal market (2010 1474). This is also exemplified under Article 26 which states that the Union shall adopt measures with the aim of establishing or ensuring the functioning of the internal market, in accordance with the relevant victual of the Treaties. Since the laws of all Member States must guarantee compliance with Treaty provisions, tax law will be affected.The ECJs decision in Cadbury Schweppes v Commissioners of the Inland Revenue Case C-196/04 2006 3 WLR 890 shows how EU law affects UK tax law. Here, it was held that the broad interpretation of the Controlled Foreign Companies (CFC) provisions were incompatible with EU law because of the restrictions that were being placed upon freedom of establishment under Article 56 of the TFEU (ex Article 49 EC). It was noted by the ECJ that hindrance to freedom can only be justified on the gr ound of counteraction of tax avoidance if the legislation in question is specifically designed to exclude from a tax advantage wholly artificial arrangements aimed at circumventing national law. Subsequent to this decision, significant amendments were made to the CFC rules under Schedule 16 of the Finance Act 2009 in order to ensure that EU law was being fully complied with. The Acceptable Distribution Policy (ADP) exemption was abolished and changes to the Income and Corporation Taxes Act 1988 (ICTA) were made by introducing a new section 751AA. This illustrates the importance of the single market and exemplified how UK tax law will be affected by the provisions contained in the EU. The same rules will also apply in relation to the other Member States, though not all agree that this is appropriate. Instead, it is argued that abuses of national law can be effectuated as a result of EU law provisions and that the legislation in question must not be used as a blanket rule of justifyi ng abuses such as tax avoidance (Wellens, 2009 1). In view of this, it is manifest that national courts are required to undertake a case by case approach when considering individual situations.Various harmonisation measures have been implemented by the EU to facilitate the integration into the single market, including the merger directive, the parent/subsidiary directive and the interest and royalties directive. The Merger Directive was designed to facilitate mergers across European borders so that it would be easier for companies to engage in dealings, whilst also reducing the tax burden. This was intend to establish common rules governing the cross-border merger of companies within the EEA (Cain, 2007 2). It cannot be said that tax harmonisation has been created by the Directive (Bell, 2004 1), which is again due to the relcuatnce of Member States to implement the Directive. Unless co-operation exists, the Directive cannot be fully utilised and tax harmonisation cannot be achieved . The Parent/Subsidiary Directive was designed to grant cross-border transactions the same fortunate treatment as is provided for equivalent purely domestic transactions (Tiley, 2008 34) and was to be applied to parent and subsidiary companies of Member States. Akin to the Merger Directive, the harmonisation of taxes was intended yet this does not appear to have been achieved as harmonisation is still lacking. Nevertheless, because companies within Member States are still being taxed on income that has been derived from substantial interests, the Directive is not being fully implemented which may be contrary to the free movement of capital and freedom of establishment, as well as the Parent-Subsidiary Directive, because such income is as a rule exempt from taxation if derived by local parent companies (Morgan, 2010 18). Therefore, the extent to which these Directives are being utilised is debatable. The Interest and Royalties Directive intended to eliminate withholding tax obstacle s in the area of cross-border interest and royalty payments within a group of companies (HM Revenue and Customs, 2003 1). Under this Directive companies are subjected to a reduced tax liability if their members dealt with each other within the EU. Nevertheless, because no single tax has been created it is questionable whether these Directives are in fact sufficient.Conclusion The establishment of the EUs single market has brought about significant benefits for EU Member States. A large number of jobs have been created and the opportunities for individuals within the internal market have significantly increased. Regardless of this, the extent to which the objectives of the single market have been attained remains uncertain in light of the obstacles that transpire. It is often difficult to determine whether a free market is truly being achieved since there is a great deal of confliction that now exists. This can be seen in relation to the provisions contained in Article 101, which res train the free flow of goods. This is clearly contrary the free movement provisions and the courts have been faced with much difficulty over the years as a result of this. In addition, there are many inherent difficulties that arise for companies who wish to enter the internal market and although the implementation of a Common Consolidated Corporate Tax Base (CCCTB) has been proposed, it has been said that this would create even more difficulties. Nevertheless, because taxation comes into conflict with the free movement provisions because of the fact that Member States no longer have complete control of their own laws, it seems as though a CCCTB would be beneficial. Because of these obstacles, it is thereby questionable whether the single market has been as successful as one would have hoped.ReferencesAlam, S. (2007) Sustainable Development and Free Trade Institutional Approaches, line of work & Economics, London Routledge.Barnard, C. (2002) The legal philosophy of the Single Mark et Unpacking the Premises., Oxford Hart Publishing.Bell, S., (2011) Amendments to Merger Directive A New Dawn for Cross-Border Reorganisations? (2004) International Bureau of Fiscal Documentation, Online Available http//www.freshfields.com/publications/pdfs/practices/dfi030401.pdf 29 April, 2014.Bently, L. and Sherman, B. (2008) Intellectual Property Law, 3rd Edition, Oxford OUP.Cain, B., (2007) Cross-Border Mergers Directive 31 Companies Secretarys Review 9, bonk 2.Correa. C. M, Intellectual Property and Competition Law Exploring Some Issues of Relevance to Developing Countries, ICTDS, Issue Paper No 21, ICTDS Programme on IRPs and Sustainable Development, (October, 2007), Online Available at http//www.iprsonline.org/resources/docs/corea_Oct07.pdf 29 March 2014.Cave, R., (2011) EU Tax Developments 32 Tolleys Practical Tax Newsletter 87, Issue 11.Drysdale, D., (2007) HMRC, Business and the Tax Profession An Uneasy Relationship 28 Tolleys Practical Tax Newsletter 66, Issue 9.DTI., (2002) Single Market Online Available http//webarchive.nationalarchives.gov.uk/+/http//www.dti.gov.uk/europe/pagej.html 29 April, 2014.Ernst & Young., (2011) EU European Commission Publishes Final Common Consolidated Corporate Tax Base (CCCTB) Proposals News 16/03/2011 40LNB.Europa. (2012) What is the Single Market Online Available http//ec.europa.eu/internal_market/20years/singlemarket20/facts-figures/what-is-the-single-market_en.htm 30 March 2014.European Commission. (2012) The Single Market Act The EU Single Market, 01 April 2014.Goodall, A., (2011) EC Proposes Common Tax Base 32 Tolleys Practical Tax Newsletter 53, Issue 7.European Commission., (2000) Communication on Services of General Interest in Europe 580 Final.Euromove., (2009) EU Competition Policy Online Available http//www.euromove.org.uk/index.php?id=6516 29 April, 2014.HM Revenue & Customs., (2003) INTM400010 EU Interest and Royalties Directive Overview of the Directive Online Available http//www.hmrc.gov.uk/manuals /intmanual/intm400010.htm 29 April, 2014.Ilzkovitz, F., Dierx, V., Kovacs, V., and Sousa, N., (2007) Steps Toward a Deeper Economic Integration The Internal Market in the 21st Century A office to the Single Market Review European Economy, European Commission, Economic Papers, No 271, Online Available http//ec.europa.eu/economy_finance/publications/publication784_en.pdf 29 April 2014.Kennedy, T. P., (2011) European Law, Oxford University Press Oxford.Lee, N., (2010) Revenue Law Principles and Practice, 28th Edition, London Bloomsbury Professional.Marquis. M. (2007) 02 (Germany) v Commission and the Exotic Mysteries of Article 81 (1) EC) European Law Review 29, 1-6.Mayes, D. G. and Hart, P. (1994) The Single Market Programme as a Stimulus to Change Comparisons amid Britain and Germany, Cambridge Cambridge University Press.Morgan, C., (2010) Analysis International Review 1015 Tax Journal 18.OLoghlin. R. (2003) EC Competition Rules and Free Movement Rules An Examination of the Paral lels and Their Furtherance by the ECJ Wouters Decision European Competition Law Review 62, 224-237.Shuibhne, N. N. (2006) Regulating the Internal Market, Edward Elgar Publishing London.Steiner, J. and Woods, L. (2009) EU Law, 10th Edition, Oxford OUP.Syrpis, P., (2008) The Treaty of Lisbon Much AdoBut About What? industrial Law Journal, 37 (219), Issue 3, 219-235.The European Commission., (2011) Simpler Tax Rules for Businesses (2011) Europa, Online Available http//ec.europa.eu/news/economy/110318_1_en.htm 29 April, 2014.Tiley, J., (2008) Revenue Law, 6th edn Hart Publishing.Wellens, R., 2009. Cadbury Schweppes and beyond the future of the UK CFC Rules. Tax Working Papers, online Available at 29 March 2014.Wesseling, R. (1999) The Commission White Paper on Modernisation of EC Antitrust Law (20 European Competition Law Review 427, 422-427.Q Finance., (2010) Structuring M&A Deals and Tax Planning Online Available http//www.qfinance.com/mergers-and-acquisitions-checklists/structuring- m-and-a-deals-and-tax-planning 29 April, 2014.

How Do People Fall into Debt? Essay

Debt in society is an whelm stress featureor for many individuals and families. I know that I am one of those individuals and energize under ones skin been for presbyopic clock now. I made a lot of stupid mis coins when I was younger and now that I gain a family, it unfortunately is effecting me still today. So how do throng fall into debt? There are some(prenominal) contributors like job loss, family, illnesses, poor judgment and focussing. I get out go over effects and consequences, solutions, and stripe people go through and what steps to take to avoid and take control of your debt.Effects and consequences of cosmos in debt slew be a long term and severe issue for an individual or family. This kindle cause an individual to become very depressed and pick up on drink or may possibly sire using drugs because they feel they shake no other expression to cope with it. You find yourself living paycheck to paycheck because your weekly budget no longstanding exists and your ascribe is maxed where no other funds become available. As things get tighter, the ability to keep paying decreases and more(prenominal) than debt increases. It could become so severe that it may affect your personal relationships with family, friends and signifi locoweedt other where your family no longer postulates to associate with you. This could be because you are always begging for money or your problems are too a great deal for your family to handle. Your significant other may non be able to handle the issue either because it is yet as a heavy burden on him or her as it is on yourself.Effects and consequences of non being able to pay your debt is you start losing things. Your house can be foreclosed on, cars repossessed and extracurricular things like boats and recreational vehicles can be taken away. You can get your wages garnished if you project defaulted on certain loans, or even go into tax collection for not paying your property taxes. When and if you can start acquire out of the red and into the black, your credit score could be highly effected and will prevent you from acquiring any new credit loans. Certain employers run credit checks and if you do not clear their standards, you can lose your job or it can affect any futureemployment.Solutions can be created to friend you get moxie on your feet and become debt free. It certainly is not an overnight fix and will take some time possibly. One suggestion is to attend a consumer credit counseling class. This is where a guidance can sit down with you and review all of your debt. They will help you set up a budget and work on decreasing your debt over time. They also suggest seminars and workshops that can punter naturalise you on managing your money and debt. You can find a local counselor through the yellow pages or online. Another approach is bankruptcy which is more severe but necessary to clearing your plate and get a new start. It takes a total of 7 to 10 years to honesty micturate this take off your credit but if you are willing to wait and can mentally handle what this entails, you should ask this option. Any local attorney with specialty in bankruptcy can review your debt and help finalize.If you have retirement accounts, savings accounts, bonds, life insurance you can close these out and apply the money to your debt. If you have family that is willing to help, you may be able to obtain a small loan from them and pay them back after the debt is gone if they can wait that long. Obtaining more loans through an actually financial institution is not a solution I find to be a smart one. This will cause more debt and more issues down the road. If you have to, sell off items that are paid off in full to help. It is something no one wants to do but sometimes you have to give a little to get a little.Once you have eliminate some of your debt by the suggestions above and preventing yourself from falling back into debt, is to start a savings account and pu t so much in it a week. Over time this will add up that you have a significant amount set aside in case there is a job loss, family, illnesses, poor judgment and management. Instead of buying the most high-ticket(prenominal) items, look for bargains or off brands. Biggest suggestion is set a monthly budget so you have a clear outlook of what will be spent and what is left over.I certainly can say when I was younger my greediness of getting things I wanted and not thinking of the endpoint overtook my clear decision making. At an early age you dont authentically think of what it will do to you in the future and to your family. I have done credit counseling and I can say it has been an effective and positive experience for me. In order to stay out of debt you really have to want to distort and stick to it. It will require a lot of willpower and change in your spending habits. I am still today trying to get myself out of this hole I dug myself into and I take it one day at a time.It is a known fact that our society is in debt from all the news we hear every day on television, radio or read in the newspapers. There are some people that will try, wont try and some that just cant do it. Everyone needs to think about the future of your children and what you want to leave them when you are gone. Considering the consequences and ask yourself is it worth the long term repayment? Do I really need to take that much? Can I buy that somewhere else at a better price? Taking the time and researching things you are potentially buying will help you in the long run. If you or a family member are subject to a job loss, family issues, illnesses, poor judgment and management contact your debtors and explain the situation. Find out your options instead of ignoring the issue. A lot of companies have deferment payments for 6 months or so. There is help out there its just a matter how people want to stay out of debt or fall into it.

Graduate study plan Essay

I currently poses an undergraduate spirit level in Health anxiety Administration, from Sacramento State University. My current c areer is within the Health Care field at Kaiser Permanente hospital Health Connect Department in Pleasanton, California. This is the regional department for, electronic medical records. I manage projects for system upgrades, and any technical issues that require a fix. I get down ciphered for Kaiser Permanente for five years and wish to succeed at a higher level within the organization. In this paper I go away draw an insight into my reasons for pursuing my graduate degree, and strategies I will workout for personal success and work.I have managed always to accomplish both personal and paid goals that I set. It is important to have a goal, whether personal or professional that iodin is striving to accomplish, so they are motivated to work harder. My short-term personal goal is completing my Masters Degree. A a few(prenominal) personal long-term g oals, are to have an open mind to change, effective time management, and continuing to uprise as an individual and Mother. A long-term goal in my professional career is becoming a manager or director within Kaiser Permanente or another organization.In lieu of the professional line of merchandise opportunities and accomplishments, confidence, and knowledge is a professional area I am striving to gain more of, which is a main reason for go on my education to the graduate level. Obtaining a Masters Degree will permit expansion in knowledge and skills within areas I did not wage increase at the undergraduate level. I am pursuing my degree, to grow as an individual and in my professional career, this degree will expand my skills, knowledge, and confidence to perform at a higher level. Pursuing a degree will open job opportunities, and a higher pay scale.Setting goals is the easy part, just now achieving them is the hard part. Challenges will arise and allday life may interfere. Thr ee scraps I face in meeting both short and long-term goals, is lack of time, personal life distractions, and control in advancing professionally. I have to focus on incorporating better time management and stress management into my every day schedule, so lack of time is not an issue. Personal life distractions, include a Forty-hour work week and commute, my fourth month old baby girl, and leisure activities. What I have learned is to stick out out a time each day for these activities.It helps manage my time and stress, by keeping intersect of all activities and obligations on a calendar. If I have a written schedule that I visually provoke see, I stay focused. Finding a good balance in life is what keeps me moving forward and accomplishing my goals. One may not always have complete control in accomplishing goals star may have for themselves, an example is my goal to achieve at a higher level professionally. confident(predicate) I can have an abundance of knowledge and work har d every day, but in the end it will be the hirer who determines if I am a good fit for the position. competitor in the job industry is at its all-around high, but the key to success is, never give up. Graduating with a Masters Degree is a milestone in achieving my short-term goal, and advancing professionally in a new career as well as showing confidence, by perform at a higher level is a long-term milestone that will mark my achievement in the goals I have set.I believe effective chat is an essential factor in overcoming differences and creating an environment that people can come together to learn, work, or play. communicating on the surface seems true(p) forward, but I am guilty of a weaknesses related to how I communicate, which includes relating to the audiences age or grammatical gender when communicating. In practice, it is troubled with multiple issues dependent on the parties involved, who convey, and receive messages.A couple of questions that one can study to improve communication, are, Is it possible to convey a message and have it received as the speaker system intended? What happens between the voicing of a message and the hearing of a message? Under what conditions does holy communication occur? Do our own mental models affect interactions with others? What can leaders do to occasion the conditions for clearcommunication? (Creating the Conditions for sound Communication and Learning in Organizations, 2008, p. 11). These are numerous examples of questions one should ask themselves, and I will use these examples of what I can ask myself to improve my method of communication.A challenge between faculty and students is to communicate as clearly as possible to ensure students receive the breeding they need. Given this, I have also noticed how often miscommunication happens between staff and their students. In the ledger article titled, Creating the Conditions for Effective Communication and Learning in Organization, it was stated that tradi tional communication strategies, such as paraphrasing to ensure a faculty member understands a student and asking him or her to articulate spur their understanding of what was said.It was observed that no matter how skilled the speaker, there are still many interpretations by the receiver (Scott, 2008). Three strategies I will practice as a communicator are, ask myself questions that may well-being how effective my communication is before communicating to a specific audience, have the audience restate how they mum my statement or question and be as detailed as possible so my tuition is not misconstrued.Regarding my stronger aspects of communicating, I am clear and concise, an experienced public speaker, and able to communicate effectively in a business environment. Communication is one of the main planks on which organizational success rests in nowadayss tough business environment. As a result effective communication skills have fashion essential to enable professionals to ach ieve the exact levels of performance demanded by them. Apart from the practical aspects if one has a grasp on basic concepts of communication, it can further assist professionals to communicate skillfully and persuasively (Rai & Rai, 2002). Suggesting that the locution Its not what you say, its how you say it rings true for effective communication. Possessing the quality of effective communication heads toward a high quality leader because it enables one to express ideas successfully (Rolle, 2002).Effective time management, level-headed goals, overcoming obstacles, andeffective communication will lead to success in acquiring a graduate degree. If one strives to succeed and manages their time efficiently, this is easily obtainable. Re-evaluating my goals and strategies to overcome obstacles, and analyzing my communication level, has already advanced me closer to success. Recognition is a way to advance both personally and professionally.ReferencesRai, S. M., & Rai, U. (2002, Septem ber). Effective Communication. Effective Communication, 16(3), 1129-1130. Retrieved from http//search.proquest.com.ezproxy.apollolibrary.com/docview/224372918?accountid=35812 Rolle, J. R. (2002). The Role of Communication in Effective Leadership. The Role of Communication in Effective Leadership, 16. Retrieved from http//www.eric.ed.gov/contentdelivery/servlet/ERICServlet?accno=ED467282 Scott, M. (2008). Creating the Conditions for Effective Communication and Learning in Organizations. Creating the Conditions for Effective Communication and Learning in Organizations, 11(3), 11. Retrieved from http//www.eric.ed.gov/contentdelivery/servlet/ERICServlet?accno=EJ830651

Sunny San Diego

Literature 1301-012 successful Sandy Eggo A Guide to San Diego for Young Adults Jonathan Lincoln 3/5/2013 Aloha And, Welcome to integrity of the friendliest and close to temperate climates in the world. We like to call this little slice of heaven, San Diego. Today, you will just give rise a crumb of the cake, as to what the beaches of this amazing, international hub have to offer. Starting from north, and heading south, along the coast grade are La Jolla Beach, Pacific Beach, Mission Beach, and Ocean Beach.With everything from restaurants on piers, bars and novelty shops on the boardwalk, to rollercoasters and suction stop beaches. You can never go wrong on a bright, sunny, warm day from Also, for the college students we will go forward the social scenes that each area has to offer. La Jolla Beach is widely known for its lavish Moon parties at Blacks beach, which is located north of Scripps Pier, beneath the Torrey Pines Glider port and close to UCSD. Hence, the name Full M oon party, every full moon, locals gather at the beach, usually with guitars, drums, and an occasional dj.Every angiotensin converting enzyme then conjugates around a fire, and just enjoys the good times, along with life its self. Blacks beach is also known for its occupants sun bathing in the nude during the daytime, so I wouldnt recommend venturing into the unknown. Our succeeding(prenominal) stop, Pacific Beach, better known as PB, has more of a college students age demographic. offer bars on the boardwalk, and a restaurant on the pier. If youre in your party stage, this is where you want to be.Between Typhoons, which is one of many trifectas in the area, it triples as a restaurant, bar, and club, on Garnet Ave to, Crystal Pier, there must be at least 20 different diverse bars, clubs and restaurants, offering something different for every walk of life. Heading bring forward south, along the Ocean Front Walk, you will stride by many condos and houses before coming upon the gr aduation exercise marker of Mission Beach, Belmont Park. Here, you can enjoy a wooden rollercoaster, bumper cars, or simply lounge on the beach and enjoy the sun, sand and aqua. Down, past Belmont Park, on the Mission Beach Peninsula, you come to the yacht clubs.Although most are private, and only accessible by members and their guests, I personally, have been invited to join a handful of parties on the yachts, just by simply being in the right place at the right time. Skipping across Mission Bay to Ocean Beach and Sunset Cliffs, this peninsula was my home, better known as Point Loma Peninsula. The effect of Ocean Beachs, better known as OBs, life support, lies within Newport Ave. At the grip of the avenue, you will find not only, access to the pier and beach but to two blocks that include over 30 different businesses based on tourism.The Black is probably the most recognized novelty shop, art object Gallaghers is the official Irish pub, and Robertos, the official restaurant. A lso, if you have the time, take an hour or two to hit your way further down the coast. I promise that you wont be disappointed. Well, although there is so much more this ten mile stretch has to offer, I cant give away(p) all of the secrets and gems that this area has. Go out and discover things. Share your experiences. And remember, its only one life, so live with no regrets, and enjoy.

Lotf essays

Defend and/or criticize Ralphs actions as leader. What were his motivations? Did he contribute to the tragedy in some(prenominal) way? Could he open acted to prevent any of the deaths? What would you have done differently in his situation? . Describe the religious imagery in passkey of the Flies the forces of good and evil, a all from grace, a savior, and eventual redemption. How does Goldings depiction of the island compare to the Garden of nirvana? 3. Some readers of Lord of the Flies have argued that each and every one of the boys actions is nonhing more than an begin to survive in difficult conditions. Think about the mounting of the sows head, Simons ascent up the mountain, and the murder of loutish in particular, as well as any other key scenes that stand out for you.Is it honest to say that the boys actions were merely the result of the human survival instinct? Why or why not? If so, can you use these examples to draw some general conclusions bout the human instinct to survive? 4. choke the argument that Simon is a deliverer Figure. Do you agree or disagree with the idea that Simon is a Christ Figure? Discuss the development of this character from the frail, shy, fainting kid to the well-developed character that faces the Lord of the Flies and the beast, eventually be sacrificed as a result. . The conch is an all-important symbol in the novel. It is almost a character in its own right. Trace the development of this symbol. How does Golding develop this shell into this symbol? Discuss what it means, and the effect it has on the group of oys, from the scratch line assembly to its eventual destruction. You may want to include in your discussion its relation to characters like Ralph, Piggy, or even Jack. 6. Discuss the development of one of the major characters (Ralph, Piggy, Simon, Jack).How do they motley from beginning to end? Is the change a good change, or a bad one? Be sure to support you result with specific examples from the text, as w ell as information you learned from class discussions (Simon as Christ Figure, or Piggy as representative of knowledge, etc. ) 7. Another topic that you feel strongly about you have to prove a thesis using a upported argument, and your topic must be approved by me before you begin.

Is Facebook boosting or hindering communication

Is Facebook boosting or hindering conversation? Facebook is the most famous comm alone utilise sociable media. It has become the preferred method for keeping in touch with people. Almost every four-year-old person has at least one Facebook account. However drillful it might be in social life and education, Facebook brought about a set of new barriers and threats in these argonas. There is an irony in the scent out that social media, like Facebook, has the ability to make us less social.Doubtless it may be stimulating to looking at so connected with others, and et there is no counselling to deny that underneath this feeling, there is a feel of emptiness. Robin Sharma agrees with that fact in his book The Greatness Guide by saying that the more we be electronically connected, the more we are emotionally disconnected. In other words, while people spend many a(prenominal) hours of their days on Facebook chatting, posting status and wishing happy birthdays and engagements to one another, they forget about the grandeur of conversation in the traditional way.They completely forget about the effectiveness of sitting to dinner with the family or hanging out with friends. In a word, Facebook is gradually robbing people of what distinguishes them as human beings. Not only does Facebook make us less social, but also sometimes conveys a completely different ingenuousness about its users. Anyone can hide behind Facebook posts, giving any image they want about themselves and creating an whoremaster about their personality. They can be whoever they want, depending on the fact that their audiences have no hoice but to be confused, having no verbal communication.So, our only real method of communication is by means of voice-to-voice or face-to-face communication. It is only through this way that when one hears a tone of voice or looks into someones eyes, they are able to know when l am okay does not mean they are okay at all. Thus, without any means of communicatio n but phrases, abbreviations, snippets and emoticons on Facebook, one can never be sure whether these things are accurate representations of the truth.As for education, students, no doubt, owe Facebook a lot for facilitating their education process, but still it is a main contributor to the harm of many of them. Although Facebook plays a role in breaking the ice between colleagues in schools or universities, it wastes ofttimes of their time in chatting about trivial matters. It is true Facebook helps students keep updated with the latest news about their studies, eve if they are absent from schools or universities.But student rumourmongers ruin verything by spreading so much spurious news that any news by any student is subject to suspicion, which turns the advantage into a disadvantage. This way Facebook is more of a waste of time for students. Facebook. Now compare this time to the time you spend in real life with your family, friends and your colleagues at school, university or work. Try to make the decision of making the best use of Facebook and try to avoid as many of its disadvantages as possible. Out of my own experience, the time and relations you are going to revive are worth giving a try.