Long

Table of Contents Long-Term Care Insurance Medicare Medicaid Continuing Care Retirement Community (CCRC) References Long-Term Care Insurance Coverage varies widely depending on the provider and the needs of the customer. In addition, different states have different home care and assisted living facilities and these vary the cost of the long-term care insurance.Advertising We will write a custom essay sample on Long-Term Care Insurance specifically for you for only $16.05 $11/page Learn More These include home care, living assistance, and daycare for adults. The long term insurance packages also contain tax benefits such that the beneficiary does not need to pay tax on the payments received (Health and Human Services Paying For Long-Term Care, 2010). Beneficiaries obtain financial coverage of long-term care. The long-term care insurance allows one to make use of their savings and life insurance for other purposes. Under the federal program members ben efit from a group rate lower than individual payment rates. To qualify for long-term insurance, the purchaser should not have a preexisting medical condition. Anyone above 18 years may purchase long term insurance. Limitation may come in because purchase of long-term insurance from non-qualified companies jeopardizes ones benefits. Secondly, monthly premiums are expensive (All About Long Term Care, 2010). Medicare Medicare is a form of insurance. It exists in three forms namely Medicare as hospital insurance, Medicare as medical insurance and Medicare as prescription drug coverage. In addition, there are medical advantage plans provided by private companies. They encompass one or more of the other categories of Medicare. Medicare covers hospitalization bills, doctors’ fees and drug costs depending on the type of Medicare. Qualification for Medicare is only available to people above the age of 65. People with certain disabilities and falling below the age also qualify. The ben eficiary has to pay regularly for the program. Medicare limitation is that the financial compensation under Medicare may be insufficient to cover all long-term costs (Who pays for long-term Care?, 2010).Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Medicaid With Medicaid, the beneficiary receives long-term home care within their community or in a nursing home. With Medicaid, the beneficiary does not have to leave their home, instead they can ask for care provisions at home. Members must be earning low incomes and have limited resources to access Medicaid. Limitations for Medicaid are that the beneficiary can only access the service form a licensed facility for Medicaid. Moreover, the facility must have a capacity for caring for the patient (Center for Medicare Medicaid Services, 2010). Continuing Care Retirement Community (CCRC) Long-term costs are taken care by monthly fees and entry f ees. In addition, there is a centralized care within communities for all beneficiaries. Members get nursing services, healthcare services and social services. All members have access to assisted facilities and may live alone or in shared apartments. The requirements for CCRC include a provision that the beneficiary must be able to purchase the monthly payments for care. There is also an entry fee that is payable at the beginning of the contract period. On payment of extra fees, beneficiaries also get care in assisted facilities. However, this provision only exists in some CCRC programs. Otherwise, one automatically benefits from a lifetime contract after paying normal fees (Health and Human Services Paying For Long-Term Care, 2010). Limitations for CCRC are that continuing care has a high purchase price. The program also has an entry fee that might be non-refundable. Provisions vary with the type of CCRC with some having no provision for other long-term care costs. Thus, the benefic iary has to pay for extra care. The beneficiary has to relocate to an assisted facility or nursing home (Health and Human Services Paying For Long-Term Care, 2010). References All About Long Term Care. (2010). Web.Advertising We will write a custom essay sample on Long-Term Care Insurance specifically for you for only $16.05 $11/page Learn More Center for Medicare Medicaid Services. (2010). Web. Health and Human Services Paying For Long-Term Care. (2010). Web. Who Pays for Long-term Care? (2010). Web. This essay on Long-Term Care Insurance was written and submitted by user Arthur Figueroa to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Writing Research Papers Introduction Paragraphs

Writing Research Papers Introduction ParagraphsThere are many things to be considered when writing an introduction for a research paper. The most important of these is the style and substance of the article. Writing with passion can get you in trouble with your editor, which in turn may cause you to do something that you later regret. In this article, I will give you some examples of research papers introduction paragraphs.The first thing that you need to consider when writing research papers introduction paragraphs is the title of the paper. Of course, the title must be properly chosen as it is the most important part of the article. You should write a title that will catch the reader's attention. It is essential that you use the right words to state the topic of the paper. You should avoid using any slang words since they tend to become vulgar.The first sentence must clearly state the main point of the paper. In this way, you will not waste your time writing several sentences about the various details of the topic. The next sentence should highlight the main point of the paper and tell the reader what the paper is all about. This should be succinct yet precise. It should highlight the main point in a way that the reader will remember the details.In research papers introduction paragraphs, you should also try to include a conclusion. The conclusion should be important because it is the final part of the article. The conclusion should tell the reader why the author believes that the topic deserves attention and how the conclusion of the paper will help the reader.There are many examples of research papers introduction paragraphs available online. It is best that you study some examples and then come up with your own examples. This way, you will be able to give a vivid idea of what it would look like.Another thing that you need to know about writing research papers introduction paragraphs is that there is no strict rule for doing so. You can vary the length of y our sentences and use different words. Although it is best that you stick to the rules of grammar, you can try to write without using grammar as long as you can make your prose concise.There are many resources on the internet where you can find examples of research papers introduction paragraphs. It is best that you read as many examples as possible before writing your own research paper. Reading examples will also help you with your writing since you will learn what words you should use in your research paper.This is just a small article on writing research papers introduction paragraphs. There are many things to be considered when writing research papers. You can find lots of articles on this topic in my website.

What Are Interesting Topics For a Research Paper?

What Are Interesting Topics For a Research Paper?A research paper for a senior business administration at a U.S. university can include a wide variety of topics that will help you reach the top of your target grade. Since students have two semesters to prepare for the exam, it is always good to choose topics that are topical.Students in business administration will usually take on an assortment of topics. Some of these may not be in-depth research topics, but many will be very basic. Since the subject matter of the business school can change during the academic year, you should be prepared for any changes. It is always a good idea to pick topics that will easily be researched and applied to the course material.List the topic on a sheet of paper. Decide whether or not it is a research topic. For example, a research paper can be about a particular topic combination, such as, 'What are people's views on a college football game? ', or' What are some businesses people start with less than $50?Now take the information you have gathered for a specific topic and write a simple essay or research paper. You will want to be concise and easy to read. Don't over-hype the topic. On the other hand, don't go too fast either.What are interesting topics for a research paper? A recent survey of students by the University of Delaware indicated that one of the top topics they selected was 'What are people's views on something?' This seems to match up well with a topic area that is common for students, which is, of course, themselves.Another great topic to use for a research paper for a business administration is the field of communication studies. The discipline is an excellent general area for a research paper since it covers topics such as trends in communications, methods of communication, public relations, and social changes in communication. It can also cover various aspects of the human communication process, including the aspects of the role, self-expression, and emotion tha t go into communicating to others.If you choose to focus on interesting topics for a research paper for a business administration, be sure to combine two or more of the above topics. Try to be as comprehensive as possible and read over your essay several times before submitting it to the paper.Creating your own research paper does not mean that you will not need to check your facts for accuracy, nor does it mean that you should be writing an essay that is so boring that no one will be interested in reading it. It can be fun and interesting if you do it right!

How Do I Know If a Man is Good? Some Easy Tips For Success

How Do I Know If a Man is Good? Some Easy Tips For SuccessThe simple truth is that any good man is hard to find. That being said, you may be asking yourself: how do I know if a man is good?One of the most common men's problems is being too interested in one thing or another. You want to be with the most successful man in the world, but what if he doesn't have what it takes to be the most successful? You just don't know how to tell.Maybe it's because you think it's a good thing. On the other hand, if he seems like he is too committed to a particular woman, then that could be cause for concern. You don't want him chasing after another girl. No one does.If he's always calling you and hanging around the house all the time, maybe it's because he's trying to woo you. Men will do this sort of thing, as they find it arousing. On the other hand, a good man is hard to find because no one expects them to be like this. This includes you.On the other hand, if your guy never checks out a girl with out trying to get into her pants, then it's because he wants to be a good man. He will never let you take it easy on him. Because of this, you will never feel like he's no good to you.If you have other friends who also have a man like this, then you've got the recipe for a good man. They like you and respect you and they aren't afraid to show their emotions. So long as you also show them the same respect, and you keep them happy, then the rest of your life should be happy.Good luck in finding a good man. Nothing happens by accident. Follow these easy tips for success, and you'll find the love of your life.

Biography of Bonnie and Clyde, Depression-Era Outlaws

Biography of Bonnie and Clyde, Depression-Era Outlaws Bonnie Parker (October 1, 1910–May 23, 1934) and Clyde Barrow (March 24, 1909–May 23, 1934) went on a notorious two-year crime spree during the Great Depression, a time when the American public was hostile toward government. Bonnie and Clyde used that emotion to their advantage: Assuming an image closer to Robin Hoods than to the mass murderers they were, they captured the nations imagination as a romantic young couple on the open road. Fast Facts: Bonnie and Clyde Known For: A notorious two-year crime spreeAlso Known As: Bonnie Parker, Clyde Barrow, the Barrow GangBorn: Bonnie, Oct. 1, 1910 in Rowena, Texas; Clyde, March 24, 1909 in Telico, TexasParents: Bonnie, Henry and Emma Parker; Clyde, Henry and Cummie BarrowDied: May 23, 1934 near Gibsland, Louisiana Early Life: Bonnie Bonnie Parker was born October 1, 1910, in Rowena, Texas, the second of three children to Henry and Emma Parker. The family lived comfortably off her fathers job as a bricklayer, but when he died unexpectedly in 1914, her mother moved the family in with her mother in Cement City, Texas (now part of Dallas). Bonnie Parker was beautiful and was 4-foot-11, 90 pounds. She did well in school and loved writing poetry. Bonnie dropped out of school at 16 and married Roy Thornton. The marriage wasnt happy, and Thornton began spending more time away from home. In 1929, he was charged with robbery and sentenced to five years in prison. They never divorced. While Roy was away, Bonnie worked as a waitress but was unemployed as the Great Depression got started toward the end of 1929. Early Life: Clyde Clyde Barrow was born March 24, 1909, in Telico, Texas, the sixth of eight children to Henry and Cummie Barrow. Clydes parents were tenant farmers, often not making enough money to feed their children. When he was 12, his parents gave up tenant farming and moved to West Dallas, where his father opened a gas station. West Dallas was a rough neighborhood, and Clyde fit right in. He and his older brother Marvin Ivan Buck Barrow were often in trouble with the law for stealing things such as turkeys and cars. Clyde was small, standing 5-foot-7 and weighing 130 pounds. He had two serious girlfriends before he met Bonnie, but he never married. Bonnie and Clyde Meet In January 1930, Bonnie and Clyde met at a mutual friends house. The attraction was instantaneous. A few weeks later, Clyde was sentenced to two years in prison for previous crimes. Bonnie was devastated. On March 11, 1930, Clyde escaped from jail using a gun Bonnie had smuggled in. A week later he was recaptured and sentenced to 14 years in the brutal Eastham Prison Farm near Weldon, Texas. Clyde arrived at Eastham on April 21. Life there was unbearable and he became desperate to get out. Hoping a physical incapacity would earn him a transfer, he asked a fellow prisoner to chop off two of his toes with an ax. It proved unnecessary; he was paroled a week later, on Feb. 2, 1932. He swore he would rather die than return there. Bonnie Becomes a Criminal Leaving prison during the Depression, with jobs scarce, made living in society difficult. Plus, Clyde had little experience holding a job. As soon as his foot healed, he was back to robbing. Bonnie went with him on one of these robberies. The plan was for the Barrow Gang- which included, at different times, Ray Hamilton, W.D. Jones, Buck Barrow, Blanche Barrow, and Henry Methvin, in addition to Bonnie and Clyde- to rob a hardware store. Although she stayed in the car during the robbery, Bonnie was captured and put in the Kaufman, Texas, jail, but she was released for lack of evidence. While Bonnie was in jail, Clyde and Hamilton staged another robbery in April 1932. It was supposed to be easy, but something went wrong and the general stores owner John Bucher was shot and killed. Bonnie now faced a decision: stay with Clyde for life on the run or leave him and start fresh. Bonnie knew Clyde had vowed never to return to prison and that staying with him meant death for both, very soon. Despite this knowledge, Bonnie decided not to leave Clyde, remaining loyal to the end. On the Lam For the next two years, Bonnie and Clyde robbed across Texas, Oklahoma, Missouri, Louisiana, and  New Mexico. They stayed close to a state border because police then couldnt cross  state boundaries  to follow a criminal. Clyde changed cars frequently by stealing one and changed license plates  more frequently. He studied maps and had an uncanny knowledge of back roads. Police didnt know then that  Bonnie and Clyde  made frequent trips to Dallas to see their families. Bonnie was close to her mother, whom she insisted on seeing every couple of months. Clyde frequently visited his mother and favorite sister Nell, which nearly got them killed several times in police ambushes. Buck and Blanche They had been on the run for a year when Clydes brother Buck was released from prison in March 1933.  Law enforcement wanted them for murder, bank robbery, auto theft, and robbing dozens of grocery stores and gas stations, but they decided to rent an apartment in Joplin, Missouri, for a reunion with Buck and his wife Blanche. After two weeks of chatting, cooking, and playing cards, Clyde noticed two police cars pull up on April 13, 1933. A shootout ensued. After killing one policeman and wounding another, Bonnie, Clyde, Buck, and Jones got to their car and sped away. They picked up Blanche, who had escaped the shooting, nearby. Although they got away, police found a trove of information in the apartment, including rolls of film with the now-famous images of Bonnie and Clyde in various poses holding guns and Bonnies poem  The Story of Suicide Sal,  one of two she wrote on the run. The pictures, the poem, and the getaway increased their fame. They evaded trouble until June 1933, when they had an accident near Wellington, Texas. Clyde realized too late that the bridge ahead had been closed for repairs. He swerved and the car went down an embankment. Clyde and Jones got out safely, but Bonnies leg was burned badly by leaking battery acid, and she never walked properly again. Despite her injuries, they couldnt stop for medical care. Clyde nursed Bonnie with help from Blanche and Billie, Bonnies sister. Ambushes A month later, Bonnie, Clyde, Buck, Blanche, and Jones checked into two cabins at the Red Crown Tavern near Platte City, Missouri. On July 19, 1933, police, tipped by locals, surrounded the cabins. At 11 p.m., a policeman banged on a cabin door. Blanche replied, Just a minute. Let me get dressed, giving Clyde time to pick up his Browning Automatic Rifle and start shooting. While the others took cover, Buck kept shooting and was shot in the head. Clyde gathered everyone, including Buck, for a charge to the garage. As they roared off, police shot out two tires and shattered a window, the shards severely damaging one of Blanches eyes. Clyde drove through the night and the next day, stopping only to change bandages and tires. At Dexter, Iowa, they stopped for rest at the Dexfield Park recreation area, not knowing police had been alerted to their presence by a local farmer who had found bloodied bandages. More than 100 policemen, National Guardsmen, vigilantes, and local farmers surrounded them. On the morning of July 24, Bonnie saw the policemen closing in and screamed. Clyde and Jones picked up their guns and start shooting. Buck, unable to move, kept shooting and was hit several times, Blanche by his side. Clyde hopped into a car but was shot in the arm and crashed into a tree. He, Bonnie, and Jones ran and then swam across a river. Clyde stole another car and drove them away. Buck died a few days later, and Blanche was captured. Clyde had been shot four times and Bonnie had been hit by numerous buckshot pellets. Jones, who was shot in the head, took off and never returned. Last Days After several months of recuperating, Bonnie and Clyde were back out robbing. They had to be careful, realizing that locals might recognize them and turn them in, as had happened in Missouri and Iowa. To avoid scrutiny, they slept in their car at night and drove during the day. In November 1933, Jones was captured and told his story to the police, who learned of the close ties between Bonnie and Clyde and their families. This gave them an idea: By watching their families, police could establish an ambush when Bonnie and Clyde tried to contact them. When an ambush attempt that month endangered their mothers, Clyde became furious. He wanted to retaliate against the lawmen, but his family convinced him this wouldnt be smart. Rather than seek revenge on those who had threatened his family, Clyde focused on the Eastham Prison Farm. In January 1934, they helped Clydes old friend Raymond Hamilton break out. A guard was killed and several prisoners hopped into the getaway car. One of those prisoners was Henry Methvin. After the other convicts went their own ways- including Hamilton, who left after a dispute with Clyde- Methvin stayed on. The crime spree continued, including the brutal murder of two motorcycle cops, but the end was near. Methvin and his family were to play a role in Bonnie and Clydes demise. Final Shootout and Death Realizing how tied to family Bonnie and Clyde were, the police guessed that Bonnie, Clyde, and Henry were on their way to visit Iverson Methvin, Henry Methvins father, in May 1934. When police learned that Henry Methvin had become separated from Bonnie and Clyde on the evening of May 19, they realized this was their chance to set up an ambush. Police assumed they would search for Henry at his fathers farm, so they planned an ambush along the road the outlaws were expected to take. The six lawmen planning the ambush confiscated Iverson Methvins truck and removed one of its tires, then placed it along Highway 154 between Sailes and Gibsland, Louisiana. If Clyde saw Iversons vehicle on the roadside, they figured, he would slow down and investigate. At 9:15 a.m. on May 23, 1934, Clyde spotted Iversons truck. As he slowed down, the officers opened fire. Bonnie and Clyde had little time to react. The police shot  more than 130 bullets at the couple, killing them quickly. When the shooting ended, policemen found that the back of Clydes head had exploded and part of Bonnies right hand had been shot off. Their bodies were taken to Dallas and put on public view. Crowds gathered for a glimpse of the famous pair. Although Bonnie had requested that she be buried with Clyde, they were buried in different cemeteries, according to their families wishes. Legacy Although they created a romantic image- two young lovers running from the big, bad cops, Clydes driving skills, Bonnies poetry, and her beauty- it was tarnished by the truth. Though they often captured police who caught up to them and let them off unharmed hours and hundreds of miles later, they killed 13 people, some bystanders slain during bungled robberies. Because they never got away with much money when they robbed banks, Bonnie and Clyde were desperate criminals, sleeping in the most recently stolen car and constantly fearing death in a hail of bullets from a police ambush. Still, they were the stuff of legend. Sources The Real Bonnie and Clyde: 9 Facts on the Outlawed Duo. Biography.com.10 Things You May Not Know About Bonnie and Clyde. History.com.

GLOBAL ISSUES &INST Essay Example | Topics and Well Written Essays - 1750 words

GLOBAL ISSUES &INST - Essay Example If the U.S. leads the pack in hunting for cleaner energies then surely we would save face for our previous misdeeds. But global warming transcends merely saving face. The reality of the abnormal and harmful weather patterns is something we must live with today. Scientists have linked our current explosion of weather related tragedies to the global warming increase. Hurricane Katrina ravaged New Orleans and heat strokes have become a feature of summers are but to name a few of the extremes of weather. Statistically, the hottest years were experienced in the last decade (ESS, 2008). Other health risks have also been cited due to the continued depletion of O-zone, caused by global warming. Cancer of the skin caused by UV-radiations, cataracts and decreased immunity are some of the health risks you face as a result of depletion. The environment, especially animal live suffers from the same and this causes extinction of some species. Failure to recognize the role of organic fuels, chiefly oil, would lead to unprecedented weather and calamity increase, disease and massive financial strains in the efforts to repair (Jackson, 94). Another benefit of clean energy is the reduced dependency on foreign oil. The USA consumes the most amount of oil globally and is the biggest importer of the same. This has led to many problems including exploitation by the oil cartels, the biggest being OPEC. Oil has become an instrument of political and diplomatic exploitation, especially with matters concerning the Middle East. This has been so especially after the 6 Day War. A country bearing oil has become a major voice in international affairs as they can cause the destabilization of world markets practically overnight (Zycher, 2008). The last few weeks have borne witness to this fact where the impact of the oil fields of the remote Arabian deserts cause tremors at the very pinnacle of Wall Street. Reducing dependency has very obvious advantages in this light: it would reduce the bargaining power of these countries at the international and domestic front. Humanitarian issues such as modern day slavery, women emancipation and g ross abuse of democracy by these countries are very difficult to handle since they have oil power. They can refuse to sell if they perceive you as hostile causing an energy crisis of great magnitudes. Mr. Obama is on the long term strategy road to finally rid them of their bargaining platform and allow them to be subject to the rules of humanitarianism. The third benefit as cited by the President-elect is the revival of the economy. This statement seems like an oxymoron bearing in mind that clean energies require expensive infrastructure. Though this is true, the long term benefits of this investment would pay off. Imagine having hybrid automobiles that run on electricity and hydrogen drawn from water. The electricity would be generated from nuclear energy and other forms. We would use solar energy to light our houses. Create proper insulation so that we cut down on heating costs and harness wind energy for various other chores. This dream of an oil-free energy sector would result in the saving of billions of dollars incurred in buying and importing this resource. This would result in savings from government, household and business levels. These savings from the household could be channeled to increase domestic demand or saved. Both of these options are good for the economy. The

Retailing and Wholesaling MBA (Masters Level) Essay

Retailing and Wholesaling MBA (Masters Level) - Essay Example Value-added resellers normally have a disadvantage in cost structure compared to channel members that compete mainly on the basis of price or convenience, such as discount stores or mail-order firms. This means that the value-added reseller in a diverse multiple channel context must either (1) charge a higher price than other channel members based on the provision of valued services or (2) live with a relatively small gross margin (Dunne and Lusch 2007). Professor Leo Aspinwall advanced the depot theory to explain some of the reasons for the changes that have occurred in the physical handling and storing of goods, the growth of manufacturers' wholesale branches, and the changing position of general-line wholesaling. The depot theory of distribution states that goods tend to move toward the point of final consumption at a rate established by the ultimate consumer. The theory views depots as places that move rather than store goods -- that get goods to retailers at the lowest handling and transportation costs (Dunne and Lusch 2007). Accordingly, a steady flow of goods is envisaged from production to final consumption. The intermediaries facilitating the flow are in essence depots that perform a largely service function on the basis of costs of services performed, and so tend to eliminate merchandising profits. For example, backward integration of retail food chains and cost-plus wholesalers illustrate the performance of the depot func tion and the elimination of merchandising costs (Dunne and Lusch 2007). If the retailer links with independent channel members in one or several of its multiple channels (e.g., it uses independent sales representatives), the same basic challenges faced by the manufacturer in utilizing multiple channels could be faced by the retailer as well. Intrabrand or intratype competition could be heightened in the territories served by the retailer's multiple channels, prices and margins could be reduced, conflicts and alienation could arise, and support and control could wane (at least in the independent channels) (Dunne and Lusch 2007). The functions of retailers in the channel have been to assemble merchandise, maintain an inventory, price, promote, advertise, sell, and account for the merchandise, again as a service to the manufacturer and the ultimate consumer. Further, retailers have also provided a place for consumers to shop and find other services that might assist them in obtaining or using the available goods. The channel systems that have developed and, granted, have been improved over the years, have been built on some very basic beliefs about consumers, their needs and wants, and what they are willing to accept from channel members. It is these basic marketplace assumptions that are being challenged by direct and database marketers (Dunne and Lusch 2007). As was discussed earlier, technology and communication allow consumers to learn about and demand increasingly differentiated and even personalized products. As this occurs, the traditional economies of scale that have accrued to those manufacturers and retailers with extensive facilities and large sales volumes are no longer important in the marketplace. Smaller companies, using technology and direct and database marketing approaches, can compete not only effectively, but in many cases more efficiently than can large companies. As technology expands and sales-driven inventorying become