Wednesday, March 18, 2020
hotel law Essay hotel law Essay 0677806 HRT 244B Professor Frye Managing Insurance HomeworkDescribe the importance of mathematics and statistics to the insurance industry. Be sure to explain the roles that underwrites, agents, actuaries, premiums, and risk play in the insurance process. The use of mathematics and statistics is utilized in the insurance industry in order to be protected against financial risk. An insurance industry is built on the use of the following fundamental premises: underwrites, actuaries, agents, premiums, and risk play. First, underwrites must be faced by a large enough number of individuals or businesses so that statisticians can use actuary methods. Next, there are actuary methods; these methods are used to predict the average frequency of loss involved in the risk. An agent is the next big premise; agents are people authorized to act for or to represent another, usually referred to as a principal. Premiums are fees; they must be low enough to attract those who seek to be insured but high enough to support the number of losses that will be incurred by the insurer. Lastly, there is the premise of risk play; risk play is evaluating a situation for an insurance company, it makes sure the any risk is not occurring so frequently during any given period that the insurer cannot pay all legitimate claims. As discussed in the chapter, identify at least five types of insurance that would be needed by a nightclub or bar owner, and discuss the importance of each. Five main insurance types that would be needed by a nightclub owner or bar owner include the following: Property-Casualty insurance, Liability insurance, Employee Liability insurance, Dram Shop insurance, and Health/Dental/Vision insurance. First, they would need Property-Casualty insurance, this insurance is important because it is used to protect a business against property damages. Next, there is Liability insurance, this insurance is important because a business will want to protect themselves against injuries to other people resulting from the operation of their own facilities. It is also important for a business of this kind to have Employee Liability insurance. This insurance is important because, as an owner or manager, you wish to supplement your general liability coverage with additional coverage for any harmful acts your employees may commit in the course of their employment. Next, a business will want to have Dram Shop insurance because it is a liquor liability. Thi s insurance provided establishments that sell alcohol with coverage for bodily injury or property damage that may result from any or all of the following acts: causing or contributing to intoxication of a person, serving alcoholic beverages to a person under the legal drinking age, serving to an intoxicated person, and violating any statute, ordinance, or regulation relating to sale, gift, distribution, or use of alcoholic beverages. Lastly, a business of this type should have Health/Dental/Vision insurance. This insurance allows the manager to retain and maintain a quality workforce. Assess the pros and cons of self-insurance in the area of WorkersÃ¢â¬â¢ Compensation. There are both pros and cons to self-insurance in the area of WorkersÃ¢â¬â¢ Compensation. First there are a few pros; primarily, it is beneficial that compensation policies provide payments to workers or their families in the event of an employeeÃ¢â¬â¢s injury. Also, lump-sums can be made to those who have been partially or permanently disabled. In addition, if a worker is killed while on the job, payments may be made to the workerÃ¢â¬â¢s family. Then there are cons to this type of insurance; primarily, injured employees are not allowed to sue employers for damages beyond those awarded by workersÃ¢â¬â¢ compensation. Also, an injured employee must be examined by a specific doctor, not their own. Lastly, in some cases where another employee or third party has caused a worker injury, or when the employee challenges the legality of a workerÃ¢â¬â¢s
Sunday, March 1, 2020
Horned and Frilled Ceratopsian Dinosaurs Among the most distinctive of all dinosaurs, ceratopsians (Greek for horned faces) are also the most easily identified - even an eight-year-old can tell, just by looking, that Triceratops was closely related to Pentaceratops, and that both were close cousins of Chasmosaurus and Styracosaurus. However, this extensive family of horned, frilled dinosaurs has its own subtleties, and includes some genera you might not have expected. (See a gallery of horned, frilled dinosaur pictures and profiles and a slideshow of famous horned dinosaurs that werent Triceratops.) Although the usual exceptions and qualifications apply, especially among early members of the breed, paleontologists broadly define ceratopsians as herbivorous, four-legged, elephant-like dinosaurs whose enormous heads sported elaborate horns and frills. The famous ceratopsians listed above lived exclusively in North America during the late Cretaceous period; in fact, ceratopsians may be the most All-American of dinosaurs, though some genera did hail from Eurasia and the earliest members of the breed originated in eastern Asia. Early Ceratopsians As stated above, the first horned, frilled dinosaurs werent confined to North America; numerous specimens have also been discovered in Asia (most notably the area in and around Mongolia). Previously, as far as paleontologists could tell, the earliest true ceratopsian was believed to be the relatively small Psittacosaurus, which lived in Asia from 120 to 100 million years ago. Psittacosaurus didnt look much like Triceratops, but close examination of this dinosaurs small, parrot-like skull reveals some distinctively ceratopsian traits. Recently, however, a new contender has come to light: the three-foot-long Chaoyangsaurus, which dates to the late Jurassic period (as with Psittacosaurus, Chaoyangsaurus has been pegged as a ceratopsian mostly because of the structure of its horny beak); another early genus is the 160-million-year-old Yinlong. Because they lacked horns and frills, Psittacosaurus and these other dinosaurs are sometimes classified as protoceratopsians, along with Leptoceratops, the oddly named Yamaceratops and Zuniceratops, and, of course, Protoceratops, which roamed the plains of Cretaceous central Asia in vast herds and was a favorite prey animal of raptors and tyrannosaurs (one Protoceratops fossil has been discovered locked in combat with a fossilized Velociraptor). Confusingly, some of these protoceratopsians coexisted with true ceratopsians, and researchers have yet to determine the exact genus of early Cretaceous protoceratopsian from which all later horned, frilled dinosaurs evolved. The Ceratopsians of the Later Mesozoic Era Fortunately, the story gets easier to follow once we reach the more famous ceratopsians of the late Cretaceous period. Not only did all these dinosaurs inhabit roughly the same territory at roughly the same time, but they all looked unnervingly alike, save for the differing arrangements of the horns and frills on their heads. For example, Torosaurus possessed two big horns, Triceratops three; Chasmosaurus frill was rectangular in shape, while Styracosaurus looked more like a triangle. (Some paleontologists claim that Torosaurus was actually a growth stage of Triceratops, an issue that has yet to be conclusively settled.) Why did these dinosaurs sport such elaborate head displays? As with many such anatomical features in the animal kingdom, they probably served a dual (or triple) purpose: horns could be used to fend off ravenous predators as well as to intimidate fellow males in the herd for mating rights, and frills could make a ceratopsian look bigger in the eyes of a hungry Tyrannosaurus Rex, as well as attract the opposite sex and (possibly) dissipate or collect heat. A recent study concludes that the main factor driving the evolution of horns and frills in ceratopsians was the need for members of the same herd to recognize each other! Paleontologists divide the horned, frilled dinosaurs of the late Cretaceous period into two families. Chasmosaurine ceratopsians, typified by Chasmosaurus, had relatively long brow horns and large frills, while centrosaurine ceratopsians, typified by Centrosaurus, possessed shorter brow horns and smaller frills, often with large, ornate spines projecting from the top. However, these distinctions shouldnt be taken as set in stone, since new ceratopsians are constantly being discovered across the expanse of North Americain fact, more certaopsians have been discovered in the U.S. than any other type of dinosaur. Ceratopsian Family Life Paleontologists often have a hard time distinguishing male from female dinosaurs, and they sometimes cant even conclusively identify juveniles (which may have been either the children of one genus of dinosaur or the full-grown adults of another). Ceratopsians, though, are one of the few families of dinosaurs in which the males and females can usually be told apart. The trick is that, as a rule, male ceratopsians had bigger frills and horns, while those of females were slightly (or sometimes significantly) smaller. Oddly enough, the hatchlings of different genera of horned, frilled dinosaurs seem to have been born with pretty much identical skulls, only developing their distinctive horns and frills as they grew into adolescence and adulthood. In this way, ceratopsians were very similar to pachycephalosaurs (bone-headed dinosaurs), the skulls of which also changed shape as they aged. As you can imagine, this has led to a fair amount of confusion; an unwary paleontologist may assign two grossly different ceratopsian skulls to two different genera, when they were actually left by differently aged individuals of the same species.
Friday, February 14, 2020
Computer Security - Essay Example Frequently, programs bundle spyware with freeware or shareware, though it can also arrive via email, instant messages or web downloads. On the other hand data breaches occur when personal consumer information is lost or stolen, and can result in the loss of hundreds or millions of records. This information can then be used to commit crimes, including fraudulent unemployment claims (Goodin, 2008), fraudulent tax returns (McMillan, 2008), fraudulent loans (Hogan 2008), home equity fraud (Krebs, 2008), and payment card fraud. Consumers can also suffer the burden of increased loan interest rates, being denied utility services, civil suits or criminal investigation (Baum, 2004). While the consumer costs incurred from credit card fraud may be negligible, out of pocket expenses can reach thousands of dollars. It is results of all these effects of spam that there had to be changes in infrastructure made. The anti-spyware legislation is currently under consideration in 27 U.S States as well a s in the U.S. Congress is one of these changes. It aims to prohibit spyware from delivering advertisements to a computer under certain circumstances..
Saturday, February 1, 2020
Review of one article - Essay Example onal field by offering people a chance at an affordable education regardless of age, but have also raised the bar of academic performance simply by allowing the students to make their own mistakes and learn on their own with mere Ã¢â¬Å"guidanceÃ¢â¬ from their online educators. Indeed, education has reached a focal point where traditional educations might see the emerging educational platforms as a form of Ã¢â¬Å"creative DestructionÃ¢â¬ while the forward thinkers and future innovators see an avenue of education that will allow for much more development and freedom of learning for the students, at a far lower cost that normally expected. Therefore, it is not right to tag the term Ã¢â¬Å"Creative DestructionÃ¢â¬ on online education and its supporters. For as long as people the world over have a chance to access higher education at a cost affordable to them, which also allows them the personal growth and learning space needed to become a success in the 21st century, then the objectives of higher education are met. True there is a need for a governing body in order to standardize the online educational process,but that will not erase the fact future business leaders and innovators are fast coming from online rather than traditional educational
Friday, January 24, 2020
Levels of Meaning in The Catcher in the Rye Protected by a cocoon of naivetÃ ©, Holden Caulfield, the principal character in the novel, The Catcher in the Rye, therapeutically relates his lonely 24 hour stay in downtown New York city, experiencing the "phony" adult world while dealing with the death of his innocent younger brother. Through this well-developed teenage character, JD Salinger, uses simple language and dialogue to outline many of the complex underlying problems haunting adolescents. With a unique beginning and ending, and an original look at our new society, The Catcher in the Rye is understood and appreciated on multiple levels of comprehension. The book provides new insights and a fresh view of the world in which adolescents live. One way for readers to measure their level of comprehension in this story, is to explore the meaning of the title, it's effect on the book's theme and how it provides a deep look into Holden's character. Being an attention demanding tool, the title also can provide a mystery to which the reader can understand by pulling together the clues, hidden in the text. To an experienced reader, who may be familiar with the book, imagery of a catcher in the rye is apparent throughout the story. However, for a new reader the journey begins past the middle of the book. While analyzing the city around him, Holden sees a kid walking in the street "singing and humming." As Holden nears he realizes the child is signing that song, "If a body catch a body coming through the rye" in a very pretty voice, making traffic come to a screeching halt, and making Holden feel "not so depressed."(116) So far, the title's words are just a catchy song, though their repetition, at a key mo... ...ginal tune, by Robert Burns, has the line "If a body meet a body comin thro' the rye," not "If a body catch a body comin thro' the rye." This is not the first time Holden has distorted something, though this lie has meaning. The original poem talks of the love of two people meeting each other, while Holden's image is that of falling children being caught. Love is replaced by Holden protecting children, who are facing a death-like situation, a change showing how much of an impact Allie's death made on Holden's life. One might also see that Holden himself is falling out of innocence and needs a Catcher in the Rye himself, the book's central paradox. In the end any reader could say that "The Catcher in the Rye" is Holden Caulfield, though this title opens up a door into understanding his deep personality, the books theme, while exploring the central paradox.
Thursday, January 16, 2020
In William ShakespeareÃ¢â¬â¢s Julius Caesar, the cosmological and political ideals are constantly compared, analyzed, and argued because of the broad spectrum of opinions on ShakespeareÃ¢â¬â¢s thought process in writing. Myron Taylor, associated with George Washington University and published by Folger Shakespeare Library, and Stephen M. Buhler, associated with University of NebraskaÃ Lincoln and published in English Literary Renaissance, dually contemplate the existence of CaesarÃ¢â¬â¢s ghost after the assassination, whether he was just a figment of BrutusÃ¢â¬â¢s guilt or a spectral embodiment of Caesar seeking revenge. Even though Taylor and Buhler outline their reasoning as to why Shakespeare included an apparition of Caesar in this play with psychological or supernatural possibilities, countless reasons for the idea of ghosts being real in order to develop a counterargument with a spiritual view should be considered. The Academy for Spiritual and Consciousness Studies, composed of numerous scholars with doctorates and a team of mediums, offer the reality and eliminate cliches related to the existence of spirits and show why popular belief indicates spirits donÃ¢â¬â¢t exist and then tries to help grief patients connect with the spirit theyÃ¢â¬â¢re looking forÃ through a series of binaural beats that relax the mind and create a path to a state of consciousness. This experience helps the mind stretch beyond a physical aspect and connect with the desired spirit through memories and familiar feelings. As the study of binaural beats and electromagnetic measures toÃ determine the presence of a spirit become more apparent, the doctors of this academy use the advantage of science to provide a psychotherapeutic experiment, so in turn providing the proof that ghosts have a place among the living and the idea that CaesarÃ¢â¬â¢s ghost really existed in ShakespeareÃ¢â¬â¢s intention. Regardless of modern technology, Shakespeare lived in a time of belief in the impossible and sought the initiative to create multiple views on the afterlife and if Caesar really was connected to Brutus in the way he imagined. Although Taylor and Buhler donÃ¢â¬â¢t use psychotherapeutic studies or the time frame explaining ShakespeareÃ¢â¬â¢s possible beliefs to discuss the topic of CaesarÃ¢â¬â¢s ghost. Myron Taylor depicts this spiritual aspect by stating, Ã¢â¬Å"They have killed CaesarÃ¢â¬â¢s body, but they have not destroyed his spirit.
Wednesday, January 8, 2020
THE NEED FOR CULTURAL AWARENESS, RESPECT AND COMPETENCY What is culture? It is difficult to define culture. A characteristic usually included in definitions of culture is that it is shared by people. Culture is also said to distinguish insiders from outsiders, those who are members of one cultural group from those who are not. This idea of culture leads to the following useful suppositions: 1. Culture is learned. It is transmitted from one generation to another through observation and discourse. Thus, culture is shared with those from whom it is learned and with those to whom it is taught. Older adults have had a great deal of time to learn cultural values and beliefs from those groups with which they have had contact. 2.Ã¢â¬ ¦show more contentÃ¢â¬ ¦We speak a different language (medical terminology) and our understanding and beliefs regarding health and illness differ greatly from the population at large. Patients and staff also differ in social class. Western medicine by its nature treats patients as medical objects, a biomechanical entity. Patients are detached from their own lives and life stories and physically taken from their home settings into the unfamiliar setting of a hospital, to be treated by different specialists. But patients often resist this treatment in a number of ways and the resulting conflicts express themselves as ethical problems. Given the cultural and economic gaps between health care providers and patients, it is not surprising we often make moral judgments on the behaviour of patients. Even if we deny the reality of the situation, as health care providers we must understand that we are ethnocentric. Health care providers adhere rigidly to the western system of health care delivery and with few exceptions, do not sanction any other methods of prevention or healing. We fail to recognize or use any source of medication that has not been proven to be effective by scientific means. So how can we as providers o f health care, meet the perceived needs of the patient as defined by the patient, when we do not recognize others beliefs regarding health andShow MoreRelatedThe Importance Of Cultural Competency On A Healthcare Organization1021 Words Ã |Ã 5 PagesImportance of Culture Competency in a Healthcare Organization The information in this paper is based on interviews from two executives, research, and personal experiences. Further it will define cultural competency and provide the viewpoints from two executive level employees on the importance of developing a culturally competent environment for their patients and staff in the healthcare setting. 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