Management Control System Fairness Reduce †MyAssignmenthelp.com

Question: Talk about the Management Control System Fairness Reduce. Answer: Presentation: In the report, a circumstance of an association has been portrayed. A discussion between the program chief and undertaking director has been appeared in the video. According to the CEOs request, the program chief is constrained to dispatch the item ahead of schedule through the improvement procedure yet the task administrator doesn't recognize the recommendation of the e program executive. The task administrator attempts to prevail upon the program executive that starting the venture ahead of schedule without appropriate safety efforts can have irreversible ramifications. Programmers could sabotage the whole task by propelling a full scale assault bargaining client individual data. Be that as it may, the task chief endures that if the undertaking is done before, the venture director can appreciate more reward for himself and for the group. Additionally, he says that the encryption system can be applied through an update three weeks after. The venture supervisor will not yield to the offer and doesn't acknowledge the offer. The venture chief at that point calls up the CEO to express that the undertaking director is declining to help out their offer. The CEO and the undertaking chief at that point goes to a joint choice that the venture supervisor ought to be evacuated and another one ought to be acquired who is progressively compliable and simple to oversee. The last results of the whole situation is that the venture administrator was changed by the CEO which postponed the undertaking culmination life cycle. A few moral issues in the task advancement has been featured in the YouTube video. A task ought to be finished without mediation if an association starts an undertaking. Appropriate time, method and quality ought to be kept up for the venture. The association must fulfill the customer with the cost, execution and evaluated time for the task (Shah, Harrold Sinha, 2014). The security issues in the fruition of the undertaking must be clarified by the task executive to the customer. The venture administrator ought to disclose to the task chief that the group will be not able to finish the undertaking in the given time (Langevin Mendoza, 2013). As the CEO has guaranteed the customer that the undertaking will be finished before a month, the moral issue emerges from this issue. The task group ought to have been led by the CEO if the venture could have been finished before. The task chief needs to comprehend the current state of the venture. Because of the early dispatch of the item the moral issue rises. The CEO more likely than not believed that the early accommodation of the undertaking would have been helpful for the organization as it would have produced more incomes. The undertaking chief ought to have advised the group to deal with the task somewhat quicker with additional time. To play out the undertaking with dependable quality and impeccable way, the colleagues ought to have been given abundant time and simplicity of brain to finish the task. The main individuals who are answerable for the venture issue is the program executive and CEO. The CEO ought to have not acknowledged the customers proposition and ought not have acknowledged any reasons from them. The customer was admissible to express their plans to the without culminating the item appropriately. It is the obligation of the association to check whether the individuals are working morally. In the given video, the element which performed dishonestly was simply the association (MARRCH, August 2015). The association ought to have known whether they can deal with conveying an ideal item early. The customers, colleagues of the venture and the task director are the all influenced by the issues. Because of the weight from the CEO and the program chief, first, the task supervisor will be influenced. As the undertaking director needs to allot every single errand to his colleagues and alter their procedures, he will have face the most trouble in this specific circumstance. The colleagues will be the following element to get influenced by the circumstance as they need to structure the venture assigned the task supervisor. The workers wellbeing is a significant worry because of exhaust which is the obligation of the association to take care of (Payne, Jones Harris, 2013). The customer can likewise get influenced as the undertaking director carefully said that he wont consent to the CEOs claims (Yeslam Al-Saggaf, October 2016). The best activity of the YouTube video is that the venture supervisor overlooks the expressions of the chief and proceed with his work on the task. As the CEO and the program executive cautions to change the undertaking chief and dole out another one, the procedure will be tedious as he needed to gain proficiency with the details of the task from the beginning. The CEO should converse with the customer and seek after them that the task can't be conveyed by their calendar. This will be useful for the organization as on the off chance that a digital assault happens on the item, the name of the association will endure alongside the customer. The other activity that can follow is the absolute acquiescence of the whole group with the goal that the CEO gets his item postponed unavoidably. The group can not conform to the exploitative conduct of the association. A gathering should be possible by the CEO with the colleagues to investigate the issue appropriately (Miao et al. 2013). The best activity of the venture must be taken by the CEO himself. Chatting with the customer in a seeing manner and educating them regarding the potential dangers related should be possible by just the CEO himself. According to the results appeared in the video, the best alternative was to expel the task chief from the group and designate another one who won't have as much information about the undertaking as he has so the association will endure. The partner influenced in this circumstance is the undertaking director yet the genuine partner influenced is the association whose item conveyance date will be deferred. The quality, time and cost of the task ensnares the best alternative. Using the best alternative will bring about the undertaking supervisor doing the venture consummately without hampering the task quality (Frederickson Ghere, 2013). In the event that he conveys the undertaking early, the nature of the venture won't be according to the guidelines and can have genuine ramifications because of absence of appropriate safety efforts. Because of less time, the venture cost will rise (Jackson, Kumbhakern Leech, 2013). The undertaking administrator picked the best alternative as the assessed cost, time and quality will never shift. End To finish up the report, it very well may be expressed that the association ought to forestall these kinds of issues during the hour of consenting to contract in the arrangement paper with the customer. During the inception of the task, the customer should state in the event that they need the item early. The CEO just as the program chief ought to solidly conform to the cutoff time date of per the understanding. On the off chance that the undertaking is needed before by the customer, the nature of the task will endure and not satisfy the necessary guidelines. References Frederickson, H. G., Ghere, R. K. (2013).Ethics in open administration. ME Sharpe. Jackson, T. A., Kumbhakern, V., Leech, M. L. (2013).U.S. Patent Application No. 13/402,589. Langevin, P., Mendoza, C. (2013). By what means would management be able to control framework decency lessen administrators unscrupulous behaviours?.European Management Journal,31(3), 209-222. MARRCH. (August 2015). Hierarchical ETHICS AND PERSONAL RESPONSIBILITY. https://www.marrch.org/?page=ethics_archive_0815 . Miao, Q., Newman, A., Yu, J., Xu, L. (2013). The connection between moral initiative and unscrupulous star hierarchical conduct: Linear or curvilinear effects?.Journal of Business Ethics,116(3), 641-653. Payne, N., Jones, F., Harris, P. R. (2013). Representatives view of the effect of work on wellbeing behaviours.Journal of wellbeing psychology,18(7), 887-899. Shah, H., Harrold, M. J., Sinha, S. (2014). Worldwide programming testing under cutoff time tension: Vendor-side experiences.Information and Software Technology,56(1), 6-19. Yeslam Al-Saggaf. (October 2016). Situation 3: Early Launch. https://www.youtube.com/watch?v=v5M7ohdZ6qA .

Letter to editor Free Essays

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Do I Need a Printer

Do I Need a Printer One of the most common questions I get from incoming students at the University of Illinois is whether or not they need to purchase and bring a printer to their residence hall room. It is a certainly a question worth asking because some of us have grown up with access to a printer at home. However, it is my opinion that you do not need to buy a printer at any point during your Illinois career. Source: Giphy.com I am now a senior here at Illinois, and I live in an on-campus apartment. I have never owned my own printer during my time away at school. Personally, I view it as an unnecessary purchase because there are plenty of printing resources on campus. Printers are heavy and take up lots of room in a residence hall room. Because youll be sharing space with another student your first year, youre going to want to make space in whatever way possible. I lived very comfortably in Weston Hall without having a printer in my residence hall room. Youre probably wondering where on campus I took advantage of the printing resources. Each residence hall has a printer that is available for use for its residents, whether its in the lobby of the residence hall or in the common areas, like Ikenberry Commons. Residence halls  have computers connected to the printers. If thats not enough for you, every library on the campus with the largest library system in the entire country will have printers and computers for you to use. You wont have to supply your own paper and ink, which is an expensive thing to maintain if you were to bring your own printer to campus. Although printing from campus printers isnt free, I have found that it is much cheaper than buying your own printer. The printers that are available for student use have made my academic career much easier. I have Illinois to thank for helping me be a better student through easy access to printing! Daniel Class of 2018 I’m an Advertising major in the College of Media. I’m from a northwest suburb of Chicago called Buffalo Grove. I chose Illinois because it was the first university in the entire world to offer an Advertising major, which is pretty cool!

Zora Neale Hurston How It Feels to Be Colored Me Quiz

How to Solve the Foreclosure Crisis - 1218 Words

How to Solve the Foreclosure Crisis The foreclosure crisis in our country has implemented a domino effect that may take years before we note any positive changes. As the country begins to heal, an effective process and/or program must be implemented that will reduce or eliminate foreclosures. It is important to remember that purchasing and maintaining a home is a part of the â€Å"American Dream,† and when working class families cannot seem to manage without loss of pride and dignity, then the dream begins to fade. The hopelessness and lack of self worth takes a giant step forward and brings with it anger and frustration which only damages families. In researching for an innovative idea or solution to solve the foreclosure crisis, I†¦show more content†¦At anytime during the process it is determined by the housing counselor that the homeowner does not meet qualifications for the program, the homeowner must be granted an interview within 30 days by the housing authority outlining in detail exactly what the problem was. Within 30 days after the interview the homeowner may submit another application to the housing department for processing. The homeowner must sign a new mortgage agreement that will outline all the parameters relating to maintaining the mortgage with the department of HUD. The term of the initial contract is 24 months. At anytime during the contract period, if the owner’s financial status changes, HUD must be notified immediately. Every 24 months, HUD will re-assess the homeowner’s financial status and determine if the contract is to be renewed or dismissed from the program. If the contract is reinstated it is imperative to note that this can only be done three times, which equates to a total of 72 months. If however, it is determined that the homeowner can be removed from the program, HUD will provide a lender that will ensure that your mortgage rate and payments are affordable based on Federal Housing Administration program. Once exited from the program, if the homeowner experiences additional financial crisis, they may be allowed to re-enter the program up to a maximum of three times as long as they have not been in the program more than 72Show MoreRelatedHow to Solve the Foreclosure Crisis1146 Words   |  5 PagesHow to Solve the Foreclosure Crisis An important step in solving the foreclosure crisis is to provide assistance to mortgagees in making the monthly loan payments; this assistance should be in place before the first loan payment is due. One solution in providing assistance, which would not require any additional governmental funds to be spent, would be a mandatory mortgage equity accelerator program for every new loan written. A mortgage equity enhancement program allows a thirty year mortgageRead MoreHow To Solve The Foreclosure Crisis1443 Words   |  6 PagesHOW TO SOLVE THE FORECL0SURE CRISIS 2009 was a record breaking year for foreclosures in the United States. The perfect storm of high unemployment, tightening credit, decreasing real estate values and cataclysmic stock market crash resulted in millions of homeowners defaulting on their mortgages. What are the solutions to this problem? Some would argue that the government should intervene and help homeowners. Those with a more â€Å"free market† or laissez faire approach would contend that the governmentRead MoreHOW TO SOLVE THE FORECLOSURE CRISIS1793 Words   |  8 PagesHOW TO SOLVE THE FORECLOSURE CRISIS What do we think when we hear the word â€Å"foreclosure†? Most people realize that it’s definitely something that is not good, some say that it’s when someone fails to do something, but those people don’t really know the meaning of it. But before I present my idea let’s review the meaning of such process: From the website of InvestorWords.com foreclosure Definition The legal process by which an owners right to a property is terminated, usually dueRead MoreHow to Solve the Foreclosure Crisis2207 Words   |  9 PagesThe foreclosure crisis has become as confounding as the old, neglected house on the corner of your street. With shattered windows and wild lawn, no one knows what to do with it, how to save it or even get rid of it. Public and private institutions have tried this and that to patch the ongoing economic blight: lowered interest rates, credit counseling, foreclosure workshops, short sales and bailouts. Nevertheless, the number of foreclosures has relentlessly continued its climb. This ascent hasRead MoreHow to Solve the Foreclosure Crisis977 Words   |  4 PagesThe economic crisis that has occurred in the recent years and that has consistently worsened over past year or so has led to many other problems, one of which is the foreclosure crisis. More and more people are losing their homes due to job loss or simply poor financial choices. The number of unemployed and homeless is increasing at an alarming rate. Many feel like there is nothing that can be done to remedy the situation, especially when the enormous debt that the United States has already accumulatedRead MoreHow to Solve the Foreclosure Crisis Essay1297 Words   |  6 PagesHow to Solve the Foreclosure Crisis Imagine a young couple was married and bought a house together. They were happy they made an investment together that they would never regret. A few years later, the company the husband worked for suffered critically by the recession and he was one of the hundreds of people who got their job cut. They now have two babies to feed and have to choose between food and the mortgage. They soon began to miss their monthly payments. They waited until things becameRead MoreHow to Solve the Foreclosure Crisis Essay2252 Words   |  10 Pagesdollars funded by investments and home purchases were lost within a few months (Wikipedia.org: United States housing bubble). Millions of home owners were found to be unable to pay their mortgages, leading to hundreds of thousands of foreclosures. These foreclosures not only led to the decrease in value of the foreclosed homes, but also decreased the value of the homes in the neighborhoods, complexes and cul-de-sacs around them (zillow.com). The billion d ollar industry created by the fruitful housingRead MoreHow to Solve the Foreclosure Crisis Essay1250 Words   |  5 Pagesâ€Å"How to Solve the Foreclosure Crisis?† â€Å"How to solve the foreclosure crisis?† This is a very troubling question currently facing our country today. The foreclosure crisis fueled by subprime mortgages, was a ticking time bomb waiting to explode. Many Americans hold large mortgages with adjustable rates that continue to increase. It was only a matter of time before the market would come tumbling down. From 2008 until now the national unemployment rate has risen from 5-6% to about 10.2% (U.S. BureauRead MoreHow to Solve the Foreclosure Crisis Essay1086 Words   |  5 PagesThe solution to the Foreclosure Crisis is the implementation of continual, mandatory education classes that must be attended and passed, or penalties will be applied to the homeowners. A little tough love from the lender and the government is necessary. Just as our parents follow through and continue to teach us throughout our lives, so must the lenders and the government take the time to â€Å"sit† every homeowner down to make them l earn and realize that being a homeowner comes with big responsibilitiesRead MoreHow to Solve The Foreclosure Crisis Essay1273 Words   |  6 Pageshaving to deal with a major foreclosure crisis. According to studies by the Mortgage Bankers Association, one out of every 200 homes will eventually be foreclosed, and 250,000 families enter into foreclosure every three months. Although the worst times are still in our future, with help from the United States government, we as citizens will eventually overcome the horrendous situation of America’s current real estate market. To combat our nation’s foreclosure crisis, I believe it is necessary to

The Return Midnight Chapter 25 Free Essays

â€Å"Sleeping in the storage room with every wal covered in Post-it Note amulets,†added Meredith grimly. â€Å"If we have enough. I got another packet, but it doesn’t go very far when you’re trying to cover a room. We will write a custom essay sample on The Return: Midnight Chapter 25 or any similar topic only for you Order Now † â€Å"Okay,†Elena said. â€Å"Who’s got Shinichi’s key?† Matt raised his hand. â€Å"In my – â€Å" â€Å"Don’t tel me!†exclaimed Elena. â€Å"I’ve got hers. We can’t lose them. Stefan and I are one team; you guys are the other.† They half-led and half-supported Misao out of Stefan’s room and down the stairs. Misao didn’t try to run away from them, to struggle, or to speak to them. This only made Matt more suspicious of her. He saw Stefan and Elena glance toward each other and knew they were feeling the same way. But what else was there to do with her? There was no other way, humanely, or even inhumanely, to restrain her for days. They had her star bal , and according to books that was supposed to al ow them to control her, but she was right, it seemed to be an obsolete notion, because it didn’t work. They’d tried with Stefan and Meredith holding her tightly, while Matt got the star bal from where he’d been keeping it in a shoebox on the upper shelf above the clothes in his closet. He and Elena had tried to get Misao to do things while holding the almost empty sphere: to make Misao tel where her brother’s star bal was, and so on. But it simply didn’t work. â€Å"Maybe when there’s so little Power in it, it doesn’t apply,†Elena said final y. But that was smal comfort at best. As they took Misao to the kitchen, Matt thought that it had been a stupid plan of the kitsune: imitating Stefan twice. Doing it the second time, when the humans were on guard, that was stupid. Misao didn’t seem as stupid as that. Matt had a bad feeling. Elena had a very bad feeling about what they were doing. As she looked around at the faces of the others, she saw that they did too. But nobody had come up with a better plan. They couldn’t kil Misao. They weren’t murderers who could kil a sickly, passive girl in cold blood. She figured that Shinichi must have very keen hearing, and had already heard them walking on the creaking kitchen floorboards. And she had to assume that he knew – by mindbond, or just logic, or whatever – that Misao was right above him. There was nothing to lose by shouting, through the closed door, â€Å"Shinichi, we’ve got your sister here! If you want her back you’l stay quiet and not make us throw her down the stairs.† There was silence from the root cel ar. Elena chose to think of it as submissive silence. At least Shinichi wasn’t yel ing threats. â€Å"Okay,†Elena whispered. She’d taken a position directly behind Misao. â€Å"When I count to three, we push as hard as we can.† â€Å"Wait!†Matt said in a miserable whisper-shout. â€Å"You said we wouldn’t throw her down the stairs.† â€Å"Life isn’t fair,†Elena said grimly. â€Å"You think he doesn’t have some surprise for us?† â€Å"But – â€Å" â€Å"Leave it, Matt,†said Meredith quietly. She had the stave ready in her left hand and with her right was ready to push on the panel for opening the door. â€Å"Everybody ready?† Everyone nodded. Elena felt sorry for Matt and Stefan, who were the most honest and sensitive of al of them. â€Å"One,†she whispered softly, â€Å"two, three.† On three Meredith hit the concealed wal switch. And then things began to happen in very slow motion. By â€Å"two†Elena had already begun to shove Misao toward the door. On â€Å"three†the others joined her. But the door seemed to take forever to open. And before the ending of forever, everything went wrong. The greenery around Misao’s head spread twigs in al directions. One strand shot out and snagged Elena around the wrist. She heard a yel of outrage from Matt and knew that another strand had gotten him. â€Å"Push!† Meredith shouted and then Elena saw the stave coming at her. Meredith whisked with the stave through the greenery connected to Misao. The vine that had been cutting into Elena’s wrist fel to the floor. Any remaining misgivings about throwing Misao down the stairs vanished. Elena joined in the crowd trying to push her through the opening. But there was something wrong in the basement. For one thing, they were shoving Misao into pitch-darkness†¦and movement. The basement was ful of – something. Some things. Elena looked down at her ankle and was horrified to see a gigantic maggot that seemed to have crawled out of the root cel ar. Or at least a maggot was the first thing she could think of to compare it to – maybe it was a headless slug. It was translucent and black and about a foot long, but far too fat for her to have put a hand around it. It seemed to have two ways of moving, one by the familiar hunch-and-straighten method and the other by simply sticking to other maggots, which were exploding up over Elena’s head like a hideous fountain. Elena looked up and wished she hadn’t. There was a cobra waving over them, out of the root cel ar and into the kitchen. It was a cobra made of black translucent maggots stuck together, and every so often one would fal off and land among the group and there would be a cry. If Bonnie had been with them, she would have screamed until the wineglasses in the cupboards shattered, Elena thought wildly. Meredith was trying to attack the cobra with the stave and reach into her jeans pocket for Post-it Notes at the same time. â€Å"I’l get the notes,†Elena gasped, and wriggled her hand into Meredith’s pocket. Her fingers closed on a smal sheaf of cards and she tugged it out triumphantly. Just then the first glistening fat maggot fel on her bare skin. She wanted to scream with pain as its little feet or teeth or suckers – whatever kept it attached to her – burned and stung. She pul ed a thin card from the sheaf, which was not a Post-it Note but the same amulet on a smal rather flimsy note card, and slapped it on the maggot-like thing. Nothing happened. Meredith was thrusting the stave into the middle of the cobra now. Elena saw another of the creatures fal almost onto her upturned face and managed to turn away so that it hit her col ar instead. She tried another card from the sheaf and when it just floated away – the maggots looked gooey but weren’t – she gave a primal scream and ripped with both hands at the ugly things attached to her. They gave way, leaving her skin covered with red marks and her T-shirt torn at the shoulder. â€Å"The amulets aren’t working,†she yel ed to Meredith. Meredith was actual y standing under the swaying, hooded head of the maggot-cobra, stabbing and stabbing as if to reach the center. Her voice was muffled. â€Å"Not enough amulets anyway! Too many of these grubs. You’d better run.† An instant later Stefan shouted, â€Å"Everybody get away from here! There’s something solid in there!† â€Å"That’s what I’m trying to get!†Meredith shouted back. Frantical y, Matt yel ed, â€Å"Where’s Misao?† The last time Elena had seen her she had been diving into the writhing mass of segmented darkness. â€Å"Gone,†she shouted back. â€Å"Where’s Mrs. Flowers?† â€Å"In the kitchen,†said a voice behind her. Elena glanced back and saw the old woman pul ing down herbs with both hands. â€Å"Okay,†Stefan shouted. â€Å"Everybody, take a few steps back. I’m going to hit it with Power. Do it – now!† His voice was like a whiplash. Everyone stepped back, even Meredith who had been probing the snake with her stave. Stefan curled his hand around nothingness, around air, and it turned to sparkling, swirling bright energy. He threw it point-blank into the cobra made of maggots. There was an explosion, and then suddenly it was raining maggots. Elena had her teeth locked so as to keep herself from screaming. The oval translucent bodies of the maggots broke open on the kitchen floor like overripe plums, or else bounced. When Elena dared look up again she saw a black stain on the ceiling. Beneath it, smiling, was Shinichi. Meredith, lightning quick, tried to put the stave through him. But Shinichi was faster, leaning out of her way, and out of the next thrust, and the next. â€Å"You humans,†he said. â€Å"Al the same. Al stupid. When Midnight final y comes you’l see how stupid you were.†He said â€Å"Midnight†as if he were saying â€Å"the Apocalypse.† â€Å"We were smart enough to discover that you weren’t Stefan,†Matt said from behind Shinichi. Shinichi rol ed his eyes. â€Å"And to put me into a little room roofed with wood. You can’t even remember that kitsune control al plants and trees? The wal s are al ful of malach grubs by now, you know. Thoroughly infested.†His eyes flickered – and he glanced backward, Elena saw, looking toward the open door of the root cel ar. Her terror soared, and at the same time Stefan shouted, â€Å"Get out of here! Out of the house! Go to somewhere safe!† Elena and Meredith stared at each other, paralyzed. They were on different teams, but they couldn’t seem to let go of each other. Then Meredith snapped out of it and turned to the back of the kitchen to help Mrs. Flowers. Matt was already there, doing the same thing. And then Elena found herself swept off her feet and moving fast. Stefan had her and was running toward the front door. Distantly, she heard Shinichi shout, â€Å"Bring me back their bones!† One of the maggots that Elena batted out of the way burst its skin and Elena saw something crawling out. These real y were malach, she realized. Smal er editions of the one that had swal owed Matt’s arm and left those long, deep scratches when he pul ed it out again. She noticed that one was stuck on Stefan’s back. Reckless with fury, she grabbed it near one end and ripped it off, yanking relentlessly even though Stefan gasped in pain. When it came free she got a glimpse of what looked like dozens of smal children’s teeth on the bottom side. She threw it against a wal as they reached the front door. There they almost col ided with Matt, Meredith, and Mrs. Flowers, coming through the den. Stefan wrenched the door open and when they al were through Meredith slammed it shut. A few malach – grubs and Still-wet flying ones – made it out with them. â€Å"Where’s safe?†snapped Meredith. â€Å"I mean, real y safe, safe for a couple of days?†Neither she nor Matt had released their grip on Mrs. Flowers and from their speed Elena guessed that she must be almost as light as a straw figure. She kept saying, â€Å"My goodness! Oh, gracious!† â€Å"My house?†Matt suggested. â€Å"The block’s bad, but it was okay the last time I saw it, and my mom’s gone with Dr. Alpert.† â€Å"Okay, Matt’s house – using the Master Keys. But let’s do it from the storage room. I do not want to open this front door again, no matter what,†Elena said. When Stefan tried to pick her up she shook her head. â€Å"I’m fine. Run as fast as you can and smash any malach you see.† They made it to the storage room, but now a sound like vipvipvip – a sort of high-pitched buzzing that could only have been produced by the malach – was fol owing them. â€Å"What now?†Matt panted, helping Mrs. Flowers to sit on the bed. Stefan hesitated. â€Å"Is your house real y safe, do you think?† â€Å"Is anywhere safe? But it’s empty, or it should be.† Meanwhile, Meredith drew Elena and Mrs. Flowers aside. To Elena’s horror, Meredith was holding one of the smal er grubs, gripping it so that its underside was turned upward. â€Å"Oh, God – â€Å"Elena protested, but Meredith said, â€Å"They look a lot like a little kid’s teeth, don’t they?† Suddenly Mrs. Flowers became animated. â€Å"They do indeed! And you’re saying that the femur we found in the thicket – â€Å" â€Å"Yes. It was certainly human but maybe not chewed by humans. Human children,†Meredith said. â€Å"And Shinichi yel ed to the malach to bring back our bones†¦Ã¢â‚¬ Elena said and swal owed. Then she looked at the grub again. â€Å"Meredith, get rid of that thing somehow! It’s going to pop out as a flying malach.† Meredith looked around the storage room blankly. â€Å"Okay – just drop it and I’l step on it,†Elena said, holding her breath to hold in her nausea. Meredith dropped the fat, translucent, black thing, which exploded on impact. Elena stamped on it, but the malach inside didn’t crush. Instead, when she lifted her foot, it tried to skitter under the bed. The stave cut it cleanly in two. â€Å"Guys,†Elena said sharply to Matt and Stefan, â€Å"we have to go now. Outside are a bunch of flying malach!† Matt turned toward her. â€Å"Like the one that – â€Å" â€Å"Smal er, but just like the one that attacked you, I think.† â€Å"Okay, here’s what we figured out,†Stefan said in a way that immediately made Elena uneasy. â€Å"Somebody has to go to the Dark Dimension anyway to check on Bonnie. I guess I’m the only one to do that, since I’m a vampire. You couldn’t get in – â€Å" â€Å"Yes, we could,†Meredith said. â€Å"With these keys, we could just say ‘Take us to Lady Ulma’s house in the Dark Dimension.’Or ‘Take me to wherever Bonnie is.’Why shouldn’t it work?† Elena said, â€Å"Okay. Meredith, Matt, and Mrs. Flowers can stay here and try to figure out what ‘Midnight’is. From the way Shinichi said it, it sounded bad. Meanwhile, Stefan and I go to the Dark Dimension and find Bonnie.† â€Å"No!†Stefan said. â€Å"I won’t take you to that horrible place again.† Elena looked him straight in the eye. â€Å"You promised,†she said, indifferent to the other people in the room. â€Å"You promised. Never to go again on a quest without me. No matter how short the time, no matter what the cause. You promised.† Stefan looked at her desperately. Elena knew he wanted to keep her safe – but which world was truly safe now? Both were fil ed with horror and danger. â€Å"Anyway,†she said with a grim smile, â€Å"I have the key.† How to cite The Return: Midnight Chapter 25, Essay examples

Risk and Insurance

Question: Discuss about theRisk and Insurance. Answer: Introduction There are several factors that increase the importance of insurance in the modern world. With the of growth of most of the economies in the world characterized by increased numbers of both governmental and privately owned companies, protection of these investments through insurance policies has become an increasingly important factor. Statistics have shown that the stage of diagnosis is related to the presence and the type of insurance. Increased importance of insurance can be attributed to the rapid economic development in the modern world. Factors that Have Increased the Importance of Insurance in the Modern World Based on Speculative Risks The increased expense of healthcare services has made it a necessity to have an insurance policy (Hadley, 2016).A medical insurance manages risk in health. For one to be issued with a medical insurance policy, he/she has to undergo a medical examination to test issues such as high blood pressure or other health concerns that pose a threat to the future (McMaken, 2012). Whereas people found to be in good health status at that time will typically see a lower rate, those suffering from illnesses such as and cancer will be charged higher. Statistics have shown that the stage of diagnosis is related to the presence and the type of insurance (Francois, 2013). Cancer patients without health insurance are less likely to receive cancer screening and other preventive services and may have delayed symptomatic cancers because of inadequate access to health care (Michaels, 2016). Therefore critical illnesses such as cancer have made people use medical care value insurance. Technological advancement has heightened the importance of insurance in the contemporary world. In the modern world, technology is no longer nice to have but a differentiator (Vyas, 2015). The insurers have adopted multiple channels to market and sell their policies. For example, a direct-market which entails going directly to the customer as opposed to going to a broker first (Francois, 2013). Similarly, the advancement of software and hardware means that companies can now transform customer information into actionable insights (Andelic, 2011). In the same way, technology has enabled better individual risk assessment as opposed to relying on responses to standard questions (Green, 2011). This improvement has the capability of improving the customer experience and bringing down insurance rates. Globalization has increased the need for insurance in the modern world. Increased interaction of international economies has led to profit and loss to others (Hadley, 2016). In the modern world, globalization is usually the result of closer ties in international trade (Andelic, 2011). One implication of globalization is that it has expanded markets and as result companies can now sell their insurance premiums across international borders. The expanded market has created a climate of competition among insurance companies. Consequently, premium rates have been lowered because, thanks to globalization, there is no monopoly of the market and it takes a shorter time to enroll in an insurance policy (Andelic, 2011). Increased importance of insurance can be attributed to the rapid economic development of countries in the modern world. Each day, month or a year comes with a new economic development. Economic growth promotes insurance development (Francois, 2013).For example, when a company purchases a tower in a town center, then it should be insured to avoid financial loss in case of fire outbreak. An increase in the culture of saving has increased the need to get insurance (Hadley, 2016). We save for different reasons; retirement, wedding, children or a project (Purmort, 2012). When we are in possession of a valuable item, we need to take care of it so that even during the most difficult of times, we can enjoy its fruits. There has been a financial growth of individuals/company such that, now, more than ever they need to set aside funds for future use. This way, insurance has changed people's perception of savings from merely preparing for a loss to viewing it as a type of investment. Additionally, people have come to value insurance because they are risk averse (Cannon, 2013).Risk sharing is an incentive used by insurance companies to give people an impression that in bad times, they will lend a helping hand. While this may true, the insured caters for the expense of the bad eventuality before it occurs. For example, some people health insurance as a prepayment for expected medical expenses in case they fall sick (Cannon, 2013). Risk pooling also increases the importance of insurance. This is spreading risks from the insurer to the insured (Francois, 2013). It involves grouping large numbers of people together to minimize the cost of the higher-risk individuals (Thompson, 2015).Ideally; people face different risks at a different level. Not every person with car insurance involves in an accident in the same way, not every company insured is set on fire. High-risk people frequently pay more for insurance (Hadley, 2016). Consequently, this rewards the low-risk people with lower insurance premiums thus insurance companies get adequate funds from high-risk companies/ people that justify covering their costs should they need to use their insurance (Donlon, 2016) (Thompson, 2015).Risk pooling technique will attract people, especially low-risk people to pay for insurance knowing the practice favors them more. Insurance policy creates confidence on individuals enabling them to invest in risky but highly profitable businesses. The insured becomes confident of compensation from losses incurred from the insured risks (Hadley, 2016). This provides a wider opportunity to establish businesses even in risky places to achieve a desirable economic progress (Green, 2011). In the modern world, insurance policies have not only been an important factor to the insured and the insurer but also to the mother governments (Michaels, 2016). Incomes realized from the insurance companies as well as salaries paid to their workers are subjected to taxation subsequently earning revenue to the governments for economic sustainability. If the risk insured occurs, the insured is compensated hence the business doesn't collapse (Cannon, 2013). This important for the business to resume after compensation despite consequential losses incurred. The Challenges of Modern Aviation Industry Regarding Risks and Management This section will provide an in-depth explanation of the challenges faced by the modern aviation industry regarding risk and insurance. The first challenge is Cyber-attacks. That is, the exclusive use of computers to execute aviation activities has heightened the occurrence of risks such as interruption of business. There is a widened variation of cyber risks i.e. cyber-terrorism, extortion and network outages (Francois, 2013). Even though cyber risks have been insured, it is vital to prevent losses and the risk accumulation. Similarly, increasing the use of Unnamed Aerial Vehicles (UAV) poses a significant threat to the aviation industry. This risk is technology related as a cyber-attack. The majority of UAVs system are operated by the military although some people may have access to it in the coming years for commercial purposes such as shooting movies (Michaels, 2016). However exciting this technology may be, it is a serious concern, especially with passenger aircraft. For instance, in 2014 an American Airlines pilot reported narrowly missing a quad copter at 2,300 feet above Florida while a drone was flown within 20ft of an A320 landing at Heathrow. Lastly, automating computer related tasks is a challenge to the industry. Many plane accidents have occurred in recent years because some tasks are automated. For example the Asiana Flight 214 accident in San Francisco in 2013.Therefore, there is an increasing need to train pilots on what to do when automation fails (Michaels, 2016). Pestel Analysis on Speculative Risks PESTEL ANALYSIS Political Political environment also influences business risks. For example, during a political crisis, business is affected by unrest, making the cost of insurance expensive (Francois, 2013). Likewise, the cost of insurance is low during political stability. Economic Favorable economic policies will enhance economic performance, which means that business owners would insure their businesses against several risks therefore increasing the cost of insurance (Michaels, 2016). Social Social beliefs and practices influence risks as well. Men are likely to be involved in more risky activities compared to the women. For, example, the men involved in gambling activities would risk their money with expectation to make a boom income (Donlon, 2016). Generally, men are known to be risk takers compared to the women. Technological The advancement of software and hardware means that companies can now transform customer information into actionable insights. Likewise, technology has enabled better individual risk assessment (Green, 2011). This improvement has the capability of improving the customer experience and bringing down the cost of insurance rates. Environment Environmental factors also influence speculative factors and the cost of insurance cover. For example, the people living in the slums are at risk to fall sick compared to those in the urban areas. Therefore, the cost of medical cover for them would be expensive (Green, 2011). Legal Policies that have been enacted by the government can either increase or decrease the probability of insuring a business (Andelic, 2011). For instance, then laws allow entrance of new competitors in the market, many businesses are likely to suffer losses. With increased risks businesses will seek insurance cover against losses. Conclusion Uncertainties within businesses have seen many businesses collapse in the past leading to arrested developments in certain countries. Embracing insurance policies in the modern world would surely provide not only a lasting but also a sustainable solution to this menace. No doubt, this is a way out to improve the greatest confidence in the investors and also to give the insurance companies an opportunity to smile. References Andelic, G. (2011). The impact of Globalization on the Insurance and Reinsurance Market of Eastern Europe. South East European Journal of Economics and Business, 95-112. Cannon, E. (2013, May 2013). Risk sharing. Retrieved September 13, 2016, from Get Rich Slowly: https://www.getrichslowly.org Donlon, R. (2016, September 9). Ke takeaways: The Entrepreneurial Insurance Symposium, Day 1. Retrieved September 13, 2016, from Property Casualty 360: https://www.propertycasualty360.com Francois, O. (2013). Risk Management and Insurance Review. Advanced search, 16-30. Green, J. (2011). How Does Globalization Affect an Organization's Business Approach? Small Business. Chron, 8-12. Hadley. (2016, January 11). The Top 10 factors that affect life Insurance premiums. Retrieved September 13, 2016, from Insurance hotline: https://www.insurancehotline.com McClintock, L. (2016, April 10). What is Risk pooling in Insurance? Retrieved September 13, 2016, from Finance. Zacks: https://www.finance.Zacks.com McMaken, L. (2012, February 15). 4 Types of insurance everyone needs. Retrieved September 13, 2016, from Investopedia: https://www.investopedia.com Michaels, N. (2016, September 8). 6 trends that will change insurance claims. Retrieved September 13, 2016, from Property Casualty 360: https://www.propertycasualty360.com Purmort. (2012, 8 13). Retrieved September 13, 2016, from Purmort Martin Insurance Agency: https://www.purmot.com Thompson, V. (2015, September 12). Risk pooling. Retrieved September 13, 2016, from People of our every day: https://www.peopleofoureveryday.com Vyas, A. (2015, June 9). How Technology impacts the insurance sector. Retrieved September 13, 2016, from betanews: https://www.betanews.com