Can Regulation Of Tobacco Affect Health Care Costs Economics Essay

Can Regulation Of Tobacco Affect Health Care Costs Economics Essay The economic calculations associated with tobacco use are very complicated. For every savings, there are increased costs in other areas. Many productivity costs are subjective, while things like tax revenues are very definitive. These costs can be absorbed by various entities; public, private, and governmental. The tobacco industry has been viewed as the root of many of these costs. This industry has historically been exempt from oversight by any governmental agency, other than taxation. The Food and Drug Administration (FDA) has recently taken charge of overseeing and regulating many tobacco products, including cigarettes. Can the new regulations have any effect on health care costs? Why is tobacco use such a big deal? According to the World Health Organization (WHO), tobacco is the second major cause of death in the world, responsible for one in ten adults and the fourth most common risk factor for disease worldwide (2010). Costs (both public and private) associated with health care related to tobacco are astronomical. Productivity is reduced or lost when people are at their prime due to tobacco use. A 1994 report estimated that the use of tobacco resulted in an annual global net loss of US$ 200 thousand million, a third of this loss being in developing countries (World Health, 2010). This paper will look at the costs associated with tobacco use in the United States and the relationship regulation may have on reducing these costs. Compared to the length of time tobacco has been used, the health effects of its use are just recently becoming understood by the general public. Prior to this knowledge, the tobacco companies were free to advertise without any regulation. 1789 saw the first tobacco advertisement in the U.S for snuff. Communication, transportation, and manufacturing constraints of the time prevented any major branding and marketing successes. The first strong national tobacco brand didnt emerge until near the end of the Civil War, when both Union and Confederate soldiers in Durham, North Carolina raided a local farmers tobacco crop while waiting for a surrender to be completed. After the war was over, these soldiers began writing to the farmer, Mr. John Green, requesting more; Green went on to establish the successful Bull Durham Tobacco Company. (Collins Lapsley, 2010) The cigarette machine was one of the two major innovations that changed the industry and embedded tobacco into the minds of Americans. It was introduced in the 1880s and allowed companies to go from producing 40,000 hand-rolled cigarettes a day to over 4 million. The other major innovation came in the form of advertising. The color lithograph revolutionized advertising and packaging. These factors allowed companies to brand their products, searing them into the fabric of everyday life. Promotions, such as trading cards, were packaged with cigarettes and became collectors items. World War II came and went with millions of soldiers and sailors addicted to nicotine courtesy of free cigarettes issued along with meals. Marketing remained pretty much unregulated throughout the 1950s. Advertisements promoted how healthy it was to smoke and how doctors (whom the public trusted) recommend one brand over another. Sponsorship of television shows, like The Flintstones and Gunsmoke, propelled cigarette smoking into a normal and expected part of life. For tobacco companies, it was the Golden Age: cigarette ads featured endorsements from dentists, doctors, babies and even Yankees slugger Mickey Mantle (Collins Lapsley, 2010). Research evidence was beginning to mount of a link between tobacco use and lung cancer. Filtered cigarettes were born, which eventually led to light and low tar brands all of which have been proven to be no safer than regular ones. Rising public interest in health issues associated with tobacco use and concern about social costs associated with the care of sick tobacco users have created an atmosphere less tolerant than before. In the United States, social acceptance of tobacco use is rapidly declining. 1964 saw the first real public scrutiny of the tobacco industry when the U.S. Surgeon General released his first report on Smoking and Health. This comprehensive report outlined how tobacco had been shown in over 7,000 scientific studies to be linked to lung cancer, emphysema, and other diseases. This was the tipping point for many. Warning labels were mandated on packages. Advertising restrictions for radio and television were put in place. The public was put on notice that tobacco may not be all the things the industry was telling them. 18 Surgeon General reports have followed, as new findings have been proven. In 1996, cigarettes were labeled an addictive drug. The FDA sought to gain control over the industry and limit the sales and advertising of tobacco products (Brant, July 2008). With presidential support, the Supreme Court ruled in favor of the industry in 2000 claiming the federal agency was never given the proper authority to regulate tobacco by Congress (Brant, July 2008). Restrictions are not new to the tobacco industry. Extremely deep pockets have allowed them the opportunity to design ways around most hurdles in the past (See Appendix). Regulation comes in many forms. State and local governments have passed laws throughout the years, most of which regard taxation. The recent passage of the U.S. Food and Drug Administrations (FDA) tobacco regulation bill will give the national government much more power over the manufactures actions. This is the broadest and most comprehensive regulation over the tobacco industry ever. The FDA will be able to control product ingredients, labeling, marketing, and determine whether new products should be distributed. The budgetary impact of smoking Costs related to tobacco use can be looked at from different perspectives. There are related costs that are only seen by the individual, their family, and those close to them. Then there are the costs that are seen by society. These social costs are what drive many of the regulatory policies we have in the U.S. These costs must be balanced and weighed with the benefits associated with tobacco use. Organizations from several fronts are quick to weigh in on advantages and disadvantages of such policies. Each has their own agendas and use data to support them. High social costs justify more restrictive policies, while lower social costs support the argument against such policies. Calculating these costs is not simple. It is important not to count the same costs twice. A sick smoker that becomes dependent upon welfare payments instead of their job salary should not be seen as lost productivity and the cost of welfare payments. The first is a real cost (a real loss of resources) while the second is a pecuniary cost (a redistribution of resources from taxpayers to the smoker) (Adhikari, et al. December 30, 2008, p. 1227). Health care costs in the United States continue to account for an ever increasing percentage of personal and public expenditures. The budgetary impact of tobacco use generally is looked at as whether the tax revenues cover the costs that tobacco use imparts on government agencies. These costs are not just paid by these agencies. Personal and business costs, such as those of health insurance companies, bear massive burdens too. While we are often asked: Do smokers cover the smoking-related costs that the rest of the community bears?, the more relevant question is: Does the tobacco industry cover the communitys smoking-related costs?. The answer to this second question is almost certainly no' (Lindblom, 2010, p. 2). It has been estimated by the CDC that each pack of cigarettes sold in the United States costs the nation more than $7 in medical care and lost productivity (2010). The lifetime health costs of tobacco It is important to understand the difference between the lifetime personal health care costs of smokers compared to non-smokers. There is an argument that smoking provides benefits as well. It may be obvious that smokers have higher costs during their lifetimes, but one must consider the non-smoker lives a longer, more productive life, and therefore uses health care services for a longer period of time. Philip Morris, a major tobacco company conducted a detailed data analysis and submitted a 1999 official report to the government of the Czech Republic that they should let Philip Morris sell cigarettes in their country. They (Philip Morris) said that the government would save approximately $1,227 US per person on savings of health care for older people and increase in taxable revenue (Philip Morris, 2000). The industry is in a catch 22 situation when arguing this point. Premature death associated with tobacco use must be admitted and the economics must outweigh human life. The Center for Disease control estimates that male smokers have approximately $16,500 more lifetime health care cost and females have approximately $19,500 than those that do not smoke. (Campaign, 2010) This adds up to considerable amounts that someone must absorb. The nationwide total in 2004 was almost $98 billion(Adhikari, et al. 2008, p. 2228). Measures to reduce tobacco demand There are many different regulatory measures that can be used to significantly impact tobacco use, such as bans on direct and indirect tobacco advertising, tobacco tax and price increases, smoke-free environments in all public and workplaces, and large clear graphic health messages on tobacco packaging (Collins Lapsley, 2010). Tobacco taxation Taxation is probably the most effective (and certainly the most cost-effective) means of reducing tobacco consumption. Studies have shown that higher prices equate to less people using, especially youth. Young people have less disposable income than older people. This makes them more sensitive to changes in price. Adult tobacco use also changes in relation to price increase too, but not as much as youth. Burman notes that research has shown that a 10 percent increase in the price of cigarettes would reduce youth smoking by more than 10 percent (Brandt, July 31, 2008, p. 447). Taxes can be used to this benefit, along with the increase in public funds that can be focused on tobacco prevention programs. Cigarette taxes can be seen as a double edged sword. Governments can become as addicted to the tobacco tax income as smokers are to lighting up every day. The amounts of money are astronomical. The President of the United States, Barack Obama signed into law on February 4, 2009 a 62-cent federal tax increase per pack of cigarettes, along with increases in other types of tobacco too. This money is to be used to fund the State Childrens Health Insurance Program (SCHIP), a major childrens health reform package. The federal cigarette tax is $1.01 per pack and the average state tax is just over $1.00 per pack. According to the Tax Trade Bureau, over 16 billion state tax-paid packs were sold in FY2009. The total tobacco revenue generated for government use is approximately $39 billion. This significant figure is enough to get any legislator looking for the source and wondering how to keep it. Several states have hoped to fund health care with tobacco dollars. Massachusetts, California, Oregon, and even the federal SCHIP program have come under heavy opposition from the tobacco industry. The SCHIP program was finally approved, but the other propositions ultimately failed. The primary argument used against such taxes is that a tobacco tax is a regressive tax, meaning that it affects poor people more so than others. Approximately 33 percent of those living at or below the poverty level smoke. The argument is that a greater portion of their income is spent on tobacco, and therefore the tax would be greater. Counter to this argument for the SCHIP funding is that the program is designed to disproportionately benefit those in this income level. And so, under an expanded SCHIP, low-income families would have essentially paid $164 to get $1,700 worth of coverage (Robert Wood, May 18, 2009). Theres a big difference in the cost to society and what society is getting back in tax, said Dr. Terry Pechacek, the associate director of the CDCs Office of Smoking and Health. We believe society is bearing a burden for the individual behavioral choices of the smokers. A study by the Centers for Disease Control and Prevention put the nations total cost of smoking at $3,391 a year for every smoker, or $157.7 billion (Curfman, Morrissey, Drazen, June 22, 2009). Poverty and tobacco are closely linked. Some studies have noticed that in some countries, the poorest households can spend up to 10 percent of their entire income on tobacco products. It is difficult to ascertain how this might have a direct impact on malnutrition, health care and longevity of life, as well as things like literacy rates. Tobacco has a wide reaching impact. Restrictions on advertising and other promotion Anti-tobacco campaigners support restrictions on advertising and promotion. It seems obvious that promotion and advertising increase the demand to use, or the industry would not spend the amounts they do. According to the Campaign for Tobacco Free Kids, from 1998 to 2006, tobacco industry marketing has increased, nationwide, by more than 85 percent, with tobacco industry marketing in 2006 totaling at least $12.8 billion (or more than $35 million per day) (2010). The tobacco industry addresses these concerns with the rhetoric that advertising does not increase the market size, merely determining the market shares of individual firms. While this point is difficult to determine, a key finding from the national youth tobacco survey indicates that the three most heavily used brands of cigarettes by teens are the three most heavily advertised by the industry. Studies on the effect of these restrictions indicate that partial restrictions (i.e. location or type only) have little impact on demand. Restrictions on advertising and marketing do not change the amount the industry spends, only the location and types of activities. They simply shift to non-restricted types of marketing. This is why it is difficult to determine the effectiveness of marketing restrictions. When restrictions are imposed that affect multiple avenues, tobacco consumption goes down significantly. This supports the thought that marketing increases the market size, not just move customers from one brand to another. Health information and counter advertising Anti-tobacco campaigns use pro-health messages and counter-marketing campaigns have been show to have some effect in swaying people away from use. The premise is that the better educated users or potential users are, the better chance they will chose not to us the products. This is a difficult avenue to promote anti-tobacco messages, as it is extremely costly and directly competes with the marketing expenditures of the tobacco industry. There is no way to match, dollar for dollar. Success comes from the combination of efforts counter-marketing with the other restrictions. There is a synergistic effect. Smoking restrictions and bans on sales to youth Youth tobacco use is of utmost importance to the tobacco industry and the anti-tobacco movement organizations. From the 1950s to the present, different defendants, at different times and using different methods, have intentionally marketed to young people under the age of twenty-one in order to recruit replacement smokers to ensure the economic future of the tobacco industry (Campaign, 2010). Where someone can smoke has become a frontline issue. Restrictions of the location, such as restaurants, workplaces, and other public places, make it more difficult for the smoker to light up. This creates an incentive to quit and reduces the opportunity for others to start. These restrictions reduce the amount of tobacco people use, reduce the prevalence of smoking, and have a direct impact on the exposure of second-hand smoke to others. Other smoking cessation interventions Cessation programs have made an impact on tobacco prevalence too. Pharmacological product advancements, from nicotine replacement therapy (NRT), to newer products such as Chantix à ¢Ã¢â‚¬Å¾Ã‚ ¢ have helped the tobacco user assure success. These products are heavily marketed and many health care organizations provide them with little or no costs associated to the patient. Some argue the cost benefit of public subsidy of these products is a win-win based on health care costs saved. FDA Tobacco Legislation Through the Family Smoking Prevention and Tobacco Control Act, the Food and Drug Administration of the U.S. federal government was recently granted authority to oversee many tobacco products. Members of Congress and health organizations have worked toward this goal for many years. This new authority includes many of the items discussed above, i.e. manufacturing standards, marketing and sales practices. The legislation is a very comprehensive approach to changing tobacco use among Americans, now and for future generations. New standards for additives, flavors (other than menthol), restrictions on sales, distribution, and marketing apply. Detailed ingredients will have to be disclosed. The FDA will have the authority to require changes to products. This is the first major governmental step to protect the public from the harms of tobacco. The new law: Restricts Marketing and Sales of Tobacco Products to Children bans ads within 1000 feet of schools and playgrounds eliminates sweetened (candy flavored) cigarettes Requires Detailed Tobacco Product Disclosure Provides Access to Tobacco Manufacturers Research Strengthens Tobacco Product Warning Labels warning labels must cover 50 percent of the front and back of the pack. Allows FDA to Require Changes to Tobacco Products to Reduce Risk Where Technologically Feasible Regulates Health Claims For Scientific Accuracy And Public Health Impact Evaluates Reduced Risk Health Claims For New Products eliminates cigarettes from being labeled light or low tar Regulates Only Manufacturers, Not Farmers The Congressional Budget Offices (CBO) examination of the new law shows an expected reduction in the number of underage tobacco users of 11 percent by 2019. CBO also estimates will lead to a further decline in smoking by adults by about 2 percent after 10 years. The expected impact of the legislation on the use of tobacco products stems from a combination of regulatory and economic factors. (Congressional, 2009) Impact of FDA Regulation of Tobacco on Medicaid The Congressional Budget Office (CBO) anticipates that the new FDA tobacco rules will lead to a reduction in smoking among pregnant women. Pregnant women that do not smoke during pregnancy are less likely to have low birth weight children. Low birth weight kids cost more at birth and during childhood. As a result, state spending for Medicaid would decrease by an estimated $17 million over the 2010-2014 period, with additional savings in subsequent years (Yang Novotny, 2009). Medicaid expenditures are expected to be reduced by $100 million over 10 years. Other Medicare expenditures are positively affected by the FDA rules too. Heart attacks and stroke are less likely to occur in non-smokers, which will mean acute care services costs will decrease, but it is unclear as to by how much. Medicare costs may increase in some areas due to increased life spans and the payout associated with that. Conclusion A key aspect of tobacco prevention is that as people decide not to use tobacco products, their health will be generally better. If all Americans stopped smoking-beginning with this generation of teens-that would do more to improve the health of the nation that any other reform (Adhikari, et al. December 30, 2008, p. 1227). The economic calculations associated with tobacco use are very complicated. For every savings, there is an increase in costs in another area. Many productivity costs are subjective, while things like tax revenues are very definitive. Public and private costs have to be figured separately. However, there are situations where they overlap and care must be taken to count them in only one spot. For instance, someone that lives just below the poverty line and smokes may rely on public assistance for many things, like health care. That same person quits and their relative household revenue and productivity increases. They may not be as reliant on public assistance. The i ncrease in their revenue and productivity cannot be counted if the decrease in public assistance spending is also counted. It is certain that more regulation, like that in the new FDA program will indeed reduce tobacco use. It is certain that reduction in tobacco use equates to less money spent overall on health care compared to the smoker, but may increase health care costs long term due to extended life span. It is certain that overall productivity will increase as tobacco use decreases. The real questions occur when these issues are followed by the question of By how much?. It is almost like Newtons Law of motion, for every action, there is an equal and opposite reaction. The factor that must be considered is the value of life length and productivity. These values can sway the equation massively in one direction or the other. The latest estimates of total smoking-attributable health care costs approach $100 billion. Private insurance covers 50 percent of smoking-related medical costs for people aged 19-64 (American Academy, 2010). Education about the effects of smoking on health continues to escalate. As more is learned, the estimates increase as to the costs associated with tobacco use.

An Interview With a Korean-American on Cultural Differences Essay examp

An Interview With a Korean-American on Cultural Differences In this interview Ben Bagley asks Theresa Han about the difference between Korean and American culture. Theresa is a teenager who recently moved to the United States so she has an excellent perspective for understanding the differences and similarities between these countries. [BAGLEY] This is Ben Bagley, and I'm going to interview Theresa Han about Korea. Could you introduce yourself? [HAN] My name is Theresa Han, I'm from South Korea, I'm 18 years old, and I'm a freshman in College. [BAGLEY] How long have you lived in America? [HAN] I think a little bit less than 3 years. [BAGLEY] Where did you live in Korea? [HAN] I lived in Pyoung Tek, It's right below Oosan, where the American Air force is located. [BAGLEY] What were the people like where you lived? [HAN] They're really busy. Fathers go to their work; Mothers if they have a job go to their work, and students go to school, so they don't have enough time to communicate with each other, like time to spend together, because mostly students come home like 10:00pm-11:00pm. [BAGLEY] What did you do with your friends? [HAN] We mostly go to each other's house, rent a movie or something, watch it, and do homework usually, because we have a whole bunch of homework. On the weekends we would go downtown; it's kind of like a shopping mall. It's a street. There are small restaurants, small cloths shops and all that stuff. It was kind of fun, but nothing special I think. [BAGLEY] What did you do in your free time? [HAN] Mostly watch TV I guess. [BAGLEY] What was Korean TV like? [HAN] Like on Japanese TV they have a whole bunch of dramas, so there are Korean dramas, there is regularly a music program, like 3 music programs on 3 different channels. I mostly watched them, like almost everyday. [BAGLEY] Was American TV available in Korea? [HAN] Yeah, there's channel 2, so I know like 'Wheel of Fortune' or whatever. And 'The Simpsons' was on channel 15, it was the educational channel, but ?The Simpsons?Ewas on it in Korean, so I sometimes watched it. [BAGLEY] And was that dubbed or with subtitles? [HAN] I think it was dubbed in Korean, because I had never heard how Homer really talks. [BAGLEY] What is Korean music like? [HAN] There are a lot of kinds of music. Like rock, like f... ...uitoes. [BAGLEY] Which country has a greater temperature difference throughout the year? [HAN] In Korea the summer is so hot, and the winter is so cold. Really cold, so they are so different. In America the temperatures stay closer together, it?s way better. [BAGLEY] Are there any other big differences between Korea and America? [HAN] I think the school system, because basically you go there, I went to school usually by 7:30am and came home 7:00pm. But some students stay longer, like even 10:00pm if you are a senior and about to go to college because there is kind of, like parents and teacher think their kids or students should go to college. Like have to go to college. They?re gonna pressure them to study a lot, so when you?re a senior you start to study a lot and you don?t sleep that much. Usually I think some people sleep 3 or 4 hours per day and just study. No free time. [BAGLEY] And they stay at school and study? [HAN] ?Till like 10:00pm but after school ends they come home and study like until 2:00am or 3:00am [BAGLEY] Would it be ok if I publish this interview on the internet? [HAN] Sure [BAGLEY] Well, Thank you very much for your time.

Religious Beliefs and Practices In A New Era Essay

Assess the view that religious beliefs and practices are changing to reflect a new era of diversity and choice. Current religious beliefs and practices are very different in Britain from 100 years ago. No longer do the masses attend the established church, attendance is down to 6% of the population and the 2001 Census identified 170 distinct religions in Britain. 72% claim to be Christian but less than half of the population believe in God and only 18% claim to be a practicing member of an organised religion. Clearly today’s patterns are very different from those of the past. How then to explain them? There are two fields of thought here. Secularists take the simple opinion: lack of attendance and reduction of belief means a lack of interest and a decline in interest and influence of religion. However, opponents of secularisation claim it is not as simple as that. Society itself has changed dramatically in recent years but that does not mean a decline in society, just a change. Religion, therefore, can not be expected to stagnate in a changing society but must also change with the times. Religion then must met the needs of a late modern or postmodern society which offer levels of diversity and choice which have not existed before and can not do this by behaving as it did in a modern or pre-industrial society. Grace Davie is a proponent of this point of view. For her, religion has simply become more privatised, that is: it is now a private matter of personal preference. This is more appropriate for a society which emphasises individualism and simply echoes what is happening in other institutions in society: the family, for example, is no longer a simple traditional nuclear family, other groupings are now widely accepted. People are then free to decide whether they wish to attend church, worship on their own or even use modern technologies to help them worship, whereas in the past the norm was to attend church and people felt obliged to do so. Davie describes this new pattern as believing without belonging and believes it is a new form of religion. As evidence of this, she points to wider attendance or reliance on religion in times of crisis. People are content to practice vicarious religion where a small number of professional clergy practise religion on behalf of a much larger number of p eople until times of national or personal tragedy. However, if Davies is correct then this would mean high levels of belief and low attendance which Voas and Crockett point out is not the case. Bruce argues that if people are not willing to get involved then their belief must not be sincere or strong so Davie’s defence is unrealistic. Hervieu-Leger points to an increase in individualism and a decline of tradition in society, ideas associated with late modernity, as reasons for a decline in institutional religion. Parents are reluctant to tell their children what to believe so traditional ideas can not be passed down, what Hervieu-Leger calls cultural amnesia. Churches can not be authoritarian and impose beliefs. This leaves people without a fixed religious identity or knowledge of traditional beliefs and thus they are forced to choose or create new religious beliefs and practices for themselves, whereas their ancestors simply repeated patterns of their forebearers. Fortunately having to select one’s own religion is not too demanding for people living in a postmodern society as one of its defining characteristics is consumerism, where we construct our identities through what we consume. H-L describes us now as ‘spiritual shoppers’: without a traditional fixed identity, we must select our own and we do this to best suit ourselves, choosing the beliefs which give most meaning to our lives and suit our interests and aspirations – an individualised religion. Thus instead of merely going to the church our parents went to, today we can take our own personal journey and this explains the wide range of organisations we can join from church to sect to cult. Some H-L describes as pilgrims focusing on self-discovery who join NAMs that concentrate on personal development and others are converts who want a religious group which offers a strong sense of belonging, to re-create a sense of community. Lyon, a postmodernist, supports the idea that traditional religion is giving way to a variety of new religious beliefs and practices because we are living in a postmodern society. In this society globalisation, the increased importance of the media and communications and the growth of consumerism all create a new era of diversity and choice in all aspects of life. Lyon demonstrates how these have affected religion. We are now exposed to a wider range of religious ideas than ever before and these have become ‘disembedded’ from their original local contexts so we can now adapt ideas and beliefs to suit our own purposes. Much new religious belief is simply a watered down version of Eastern religions, adapted to suit Western tastes. Practice of worship is also different because it is no longer necessary to attend a local church. Instead the ‘electronic church’ on the internet and televangelism allow us to stay at home. However, if it is difficult to get convincing statistics of how many people attend church and what effect this has on them, it is even more difficult to research the numbers involved in and the influence of this new form of worship. The very diversity of religions on offer forces a change in religious belief. People become sceptical that any one religion can offer the truth and are, therefore, willing to ‘sample’ any of the new NRMs on offer. Again this is a reflection of postmodern society where we no longer trust in any kind of expert, and have rejected ‘meta-narratives’ which seek to explain the world. This can even be seen in politics where the old certainties of left and right politics have been reduced to the centre ground – one could argue here that their beliefs have also become less strict. This means that new ideas will continue to flourish as we become increasingly disenchanted with the world.

Credit Score Essay Essay Example

Credit Score Essay Essay Example Credit Score Essay Essay Credit Score Essay Essay Thesis Statement: Credit scores are a fair measure to help lenders estimate potential risk. Thesis Statement: Credit scores are a fair measure to help lenders estimate potential risk. IThere are many different companies that specialize in credit scores. Some of these companies include Experian, Transunion, and Equifax are the three most popular credit bureaus in use today. A. Equifax – most up to date information, information good format and easy to understand B. Experian – very reliable information can be old data that is being used to estimate score. Not updated regularly and site is user friendly C. Transunion – very out of date information and site was hard to navigate with very confusing information D. Talk about different information that is on site II Each credit bureau finds and handles their information differently and each creit bureau has their own formula for defining a persons credit score. A. The generalized factors B. each bureaus individual factors C. how to boost those factors to help your score III For most people the idea of a credit score is daunting because until recently credit scores have not had such an impact on peoples borrowing. A. discuss what score actually is B. Who uses the scores C. ways to protect yourself against a bad score IV Recently with the newfound importance of a persons credit score, there have been issues with people falsely obtaining lines of credit using other peoples information A. discuss fraud and identity theft B. ow to find out if you have been a victim C. how to correct then protect yourself in the future V With the wide varitey of information that lenders do use to estimate a persons potential risk and the amount of information that is used to compute a persons credit score, it can be said with relief that a persons credit score is a fair measure when a lender is looking at an individuals risk potential. A. overview what is credit score made of B. how is information portrayed c. review quick how to find yourself and keep informed

Netball skills Essays

Netball skills Essays Netball skills Essay Netball skills Essay As you can see from the set of scores above I have improved in all areas. Some only slightly but I am pleased that the areas I have worked on for my netball skills have improved.  As you can see from the graph above I have improved in all areas from my first attempt. Although I havent reached the blue print 100% in all areas I am still pleased that I have improved. This means the five week programme I took out has made an affect. As you may notice on the speed and agility the scores have gone down. This is actually an improvement because it means I have completed the task in a faster time. Also on some of the scores I have past the 100% mark such as the speed, and on the co-ordination, endurance and power I have reached the target of 100%. Looking at the graph above I am very pleased with my results. Evalution When comparing my first set of scores to my second I can point out that I have improved on my weak areas that consisted of speed, endurance and the most important one I needed to work on was strength. I have also improved on the other areas this was because of following a personal exercise programme for five weeks in the school fitness suite.  In Swimming co-ordination is mainly hand/foot. This is used when you use your hands to pull you through the water and your feet to propel you through the water. After completing the first tests I noticed that this wasnt one of my weak areas so I didnt work on it. Although as you can see from the graph comparing results I did improve. Even though I only improved by 2 more catches this still brought me to pass the 100% mark and I am pleased with that. In my first set of tests I realised that strength was a weakness. This is needed in swimming for good strong strokes. For strength I worked on arm weight machines which included pull down and chest press. I increased my reps and weights each week of my programme and this has lead to me improving in my second attempt. Although according to the blue print scores I am still only 50% I am still happy that I have improved. To help me reach their target I am going to continue working on my arm strength in the gym. As my scores have increased this shows that my method is affective and has helped me. Speed is needed in swimming to win and move quickly through the water. As speed come out to be one of my weaknesses I worked on this on the treadmill, bike, cross trainer and the stepper. The stepper worked on the muscles in my legs leading to them becoming stronger which then lead to them being able to take more pressure. On the cardiovascular machines I pushed my self each time and increased the speed to my limit. According to my second attempt at the tests this has proven to have been a good strategy as I have improved to almost 100%. I am very pleased with my improvements in this component as it is needed almost all the time in a Swimming competition. In swimming agility is needed so that each competitor can successfully perform a tumble-turn. Agility wasnt one of the areas that I worked on in the fitness suite although as I have been working on the speed of my legs on the cross trainer this has caused me to improve. If ever in the future I feel the need to improve in this area I will take out a series of weights on my legs and some skill work with a swimming pool and other swimmers to compete. As I have improved in this area I will be more skill full in a swimming competition and be able to move quickly through the water. Power in needed in swimming so that a swimmer can quickly move through the water with speed and get a good strong jump. After I had completed the first set of tests I found out that this wasnt one of my weak areas. I didnt include this into my exercise programme. Although when looking at both sets of results I have slightly improved. It may not be shown to be much but I am still pleased that when not working on an area the other exercises I did take have lead to an improvement. I think this is a result of working on the cardiovascular machines a lot. I used the cardiovascular machines and these are good because as I have shown in my programme it can improve all areas. When I worked in the weight machines in my legs this has resulting in an improvement and this is good in swimming for when I am diving of the starting platform. Endurance is needed in swimming to keep the body going strong through out the race. When I completed the first set of results I realised that endurance did need some improving on. So in the fitness suite I pushed my body each time causing me to work longer and increasing the amount that my body could take. I worked mainly on the cardiovascular machines that were the treadmill and bike. I pushed my self each time this was to push my body to its limit. This has clearly worked as comparing the two set or results I have improved by quite an amount. On my first tests I got level 7 shuttle 7, on my second I got level 8 shuttle 4. This means I didnt just improve by one level. I also increased on my shuttle amount. I am pleased my results in this component of fitness. Overall I am pleased with my improvements. I have improved in all areas even those I didnt specifically work on. This indicates that I have become a better person and my personal exercise programme that I have taken out and completed my self has been a success. Hopefully this will go on to me being a much stronger competitor in swimming and maybe I will continue to use this plan to improve my skills even more.

International business Essay Example | Topics and Well Written Essays - 1500 words - 4

International business - Essay Example To Black Well (UK) to effectively penetrate the business, a proposed entry strategy will be provided in the study. For the last part of the study, the impact of cultural and ethical factors in shaping the involvement of Black Well will be tackled. Prior to conclusion, recommendation on how Black Well should standardise its marketing mix within Holland’s floricultural industry will be provided. The strong support of Holland government in the development of floricultural activities is an important success factor. As a way of encouraging floricultural breeders to develop new variety of plants, the government protects them under the intellectual property rights to enable them to generate more income out of exclusively selling a specific plant variety (Ministry of Agriculture, Nature and Food Quality, 2008). Aside from protecting the players within the industry, Holland government also supports the development of more effective greenhouses by sponsoring the trials of newly innovated greenhouse that enables the growers to make use of surplus heat during summer which will be consumed as heat during winter or convert the heat into electricity (Alter, 2006). Since there is significantly large number of players within the Holland’s floricultural industry, the business players within the industry are experiencing tight competition in both domestic and international markets. For this reason, each business player need to pay close attention on having a tight quality control over cut and potted flowers to enable them to maintain a close business relationship with its domestic and global distributors and regular customers. Aside from giving importance with the tight quality control on horticultural production, each business player within the industry also need to continuously innovate new technology that will enable them to effectively produce their specialized floral species with less operational cost. (Ministry of Agriculture, Nature and

Summery Article Example | Topics and Well Written Essays - 250 words - 4

Summery - Article Example This has raised question concerning the superiority of each strand of paradigm to another. This diverts attention of the main issues which are: activities to be included in requirements engineering, what institutes a requirement, and issue that need more attention. Requirements engineering activities involves the incorporation of standard mechanisms in fashions that are advanced instead of persisting with the exercise of reinventing the constituents themselves. What constitutes a requirement explains the complete statement of what the system will do without regarding to how it will do it. To understand this we should differentiate functional and non-functional requirements. Issues that are fundamental include: backing-up market-driven inventors, ranking requirements according to desirability and necessity, integration of design artifacts, accessibility of requirements methods and tools, and coping with incompleteness. For effective management of these requirements we should seek to avoid common mistakes like underestimating the cost of the shifting requirements, discovering wrong requirements when it is too late, lack of understanding the main user needs and problems, and lack of communication of urgencies and status to the team. The main objective for requirements engineering is to narrow the gap between research and