...The Larson Family Story FAS 331 Darrell Carson 11 October 2012 Academy Award winning actress, Gwyneth Paltrow stated in an interview that marriage is hard. She was referring to her union with the Coldplay front man, Chris Martin. Both Martin and Paltrow are in lines of work that help them to live relatively comfortable lives financially. Yet, by her own admission, without major financial burdens, marriage for them is still difficult (Heller, 2011). American poet and rapper, Notorious B.I.G. said in one of his most popular songs “Mo’ money, Mo’ problems” (Wallace, 1997). In this simple lyric, he was trying to convey the fact the money does not solve everything. In fact, it brings its own set of problems. While he may have been correct, the absence of money brings its own set of unique obstacles, especially within the family dynamic. Many marriage counselors will say that there are numerous pitfalls for all families. Children becoming teenagers, managing the day to day workings of a household, and parents getting older are just a few of the obstacles that families can face. However, financial stress can be one of the largest obstacles that a family has to tackle. In a poor economy, these problems are magnified. For the case of this paper, an imaginary family will be used to illustrate these problems. Jason and Janet Larson have been married for ten years. They have three school aged children. Jason works for a construction company as an electrician. Janet works...
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...BOWIE STATE UNIVERSITY Historically black colleges and universities (HBCUs) are institutions of higher education in the United States that were established before 1964 with the intention of serving the African American community. They have always allowed admission to students of all races. There are 107 historically black colleges and universities (HBCUs) in the United States, including public and private institutions, community, four-year institutions, medical and law schools. Most were created in the aftermath of the American Civil War and are in the former slave states, although a few notable exceptions exist. Bowie State University is the oldest historically black university (HBCU) in Maryland. The present-day public university, located in suburban Bowie, Maryland, was founded by the Baltimore Association for the Moral and Educational Improvement of Colored People in 1865. Then known as the Baltimore Normal School, the institution’s goal was to train African Americans to become teachers. The Board of Education provided funding and assumed control of the school in 1908. The school relocated to Prince George’s County and received the name Maryland Normal School in 1914. The first four-year programs began in 1935 and the institution became a state college in 1963. The first graduate degree was in 1970 but Bowie State did not receive university status until 1988, when it became one of the first members of the just-established University System of Maryland. The school’s first doctoral...
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...External Factors Opportunities Innovation By the end of the 1970s, the market for comic books was reduced to an all-time low. Readers had lost interest in comics. In the 1980s, Marvel began to target different demographics in the market, and began to use new distribution outlets including shopping malls. Perelman pushed Marvel to expand into other areas with the 1992 purchase of Fleer Corporation, which made trading cards. Marvel Mania was opened as a theme restaurant with servers in costume and menu selections with superhero descriptions. Marvel made some of its comic book archives online through its Digital Comics division in 2007. By the end of the decade, Marvel was well on its way to becoming a leader in the entertainment industry, with two self-produced feature films in 2008.The company transitioned From a traditional publisher and toy maker into a new media and entertainment company. Online business Marvel made some of its comic book archives available online through its Digital Comics division in 2007. 15% of the segment’s revenues came from sales of advertising and subscriptions, including its online business. Because of the growth of the Internet and the potential for online readership, online comic books were launched in 2007 through Marvel Digital Comics Unlimited, in an attempt to reach existing readers in a new medium while also further extending Marvel’s reach to new readers. Expand distribution channels and product lines In the 1980s, Marvel began...
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...he Beck Depression Inventory (BDI, BDI-1A, BDI-II), created by Aaron T. Beck, is a 21-question multiple-choice self-report inventory, one of the most widely used instruments for measuring the severity of depression. Its development marked a shift among health care professionals, who had until then viewed depression from a psychodynamic perspective, instead of it being rooted in the patient's own thoughts. In its current version the questionnaire is designed for individuals aged 13 and over, and is composed of items relating to symptoms of depression such as hopelessness and irritability, cognitions such as guilt or feelings of being punished, as well as physical symptoms such as fatigue, weight loss, and lack of interest in sex.[1] There are three versions of the BDI—the original BDI, first published in 1961 and later revised in 1978 as the BDI-1A, and the BDI-II, published in 1996. The BDI is widely used as an assessment tool by health care professionals and researchers in a variety of settings. The BDI was used as a model for the development of the Children's Depression Inventory (CDI), first published in 1979 by clinical psychologist Maria Kovacs.[2] Contents [hide] * 1 Development and history * 1.1 BDI * 1.2 BDI-IA * 1.3 BDI-II * 2 Two-factor approach to depression * 3 Impact * 4 Limitations * 5 See also * 6 Notes * 7 Further reading * 8 External links ------------------------------------------------- Development...
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...Shrijal Desai Rhetoric 105 5 December 2014 Cognitive and Social Development in Children From Bill Gates and Steve Jobs to Mark Zuckerberg and Steve Chen, these famous house-hold names have impacted our society immensely through their ingenuity and creative inventions. These big names have had a significant influence on people, specifically children, from not only the education they received but also the environment from which the education was provided.The environment in which one is in plays a key role in the progression a person makes, in terms of cognitive and social development which contribute to educational success. Whether the location is one that catalyzes and promotes growth and excellence, or one that decelerates the maturation of a child’s cognitive and social ability, the neighborhoods in which people are raised in have a large impact on children who are moving through the developmental process. Hence, two vastly different locations, in this case the town of Englewood, Chicago and Wicker Park, Chicago, have completely opposite effects on the children in each respective neighborhood. The notorious neighborhood of Englewood has a reputation for being a crime infested, violent area. On the contrary, Wicker Park is known for the numerous artist that inhabit the town, as well the art shows and festivals that take place annually and the location’s successful school system. The issue of these poverty stricken locations and their effect on the development of children...
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...management and ... commercial, real estate, consumer, international, and health care). Limits may also be placed on individual loan products within a loan category. For example, although a www.occ.gov/publications/publications-by-type/... S -B R Mind Your Commercial Credit Score Mind Your Commercial Credit Score By Cyndia Zwahlen TSpecial to The Times ... based powerhouse of consumer credit reporting. ... company’s commercial credit data as a risk-management tool. “The information availability, www.experian.com/small_business/pdf/la_times_reprint.pdf Job profile: Credit Risk - Directions If working in retail and commercial banking, the School of Finance ifs Professional Certificate in Banking covers aspects of credit and risk, including modules in the Principles of Lending and Credit and Consumer Credit Risk Management. www.directions.org.uk/media/job_profile_pdf/Credit-Risk.pdf Product Full Service Credit An Integrated, Full-Service ... An Integrated, Full-Service Credit Card Management Solution that Uses a Globally Recognized Processing Platform ... • Consumer • Commercial (business and corporate) • Commercial lines of credit • Installment loans • Co-branded cards www.cardsolutions.fiserv.com/.../Full%20Service%20Credit.pdf Understanding Your Credit Reports - Springboard Debt ... 1 ©2013 Springboard Nonprofit Consumer Credit Management, Inc. Understanding Your Credit Reports and Scores About Springboard Springboard is a nonprofit organization founded in 1974...
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...Abstract This paper provides an interim assessment of my company by using certain tools as applicable. The analysis will seek to address the following: what tools are available to provide analysis, identify the tools and how they are used, the benefits of each tool, concluding with an organization change agenda demonstrated by a Balance Score Card of the company. The following tools will be used in the analysis: Organizational Culture – “This is defined as a pattern of basic assumptions that a given group has invented, discovered, or developed in learning to cope with its problem of external adaptation and internal integration”. This assumes the initial stage of identifying Organizational Capital We will examine the Nirvana group using the “ice berg” principle to demonstrate how the culture is made up. The “7-s Frame work”---A system used to garner a better understanding of an organization. This tool will be used simultaneously to: To conduct a SWOT analysis and identify the seven key elements existing in the company and to what benefit they serve. “Balanced Score Card”--- This will address the organization change agenda by identifying and measuring three criteria, namely; Customer Perspective, Alignment, and teamwork. Resort Demographics The Nirvana hotel group is Jamaican owned and operated, it comprises four resorts totalling 920 rooms “Nirvana Resorts’ primary target market is defined as the active, romance-expectant couple. The typical clientele are adults...
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...GUIDEBOOK FOR INTERNATIONAL STUDENTS 1 of 14 WHY HOUSTON, TEXAS, USA? Houston was ranked #1, “Coolest Cities to Live In,” by Forbes, July 2012. Houston is the #1 city for job creation. Houston serves as corporate headquarters for 23 companies listed on the 2012 Fortune 500, the second-greatest number of any U.S. city. The Port of Houston has ranked first in the United States in volume of foreign tonnage for 17 consecutive years, and is expected to become the premier port once the Panama Canal expansion is complete. Houston is home to the country’s third-largest consular corps, and more than 90 languages other than English are spoken. No racial or ethnic group constitutes a majority of Houston’s population. The 17-acre downtown Theater District is home to nine performing arts organizations and second only to Manhattan in number of seats concentrated in one geographic area. The Museum of Fine Arts in Houston is one of the nation’s ten largest art museums. Houston has 52,700 acres of parkland including 550 parks, public green spaces, and open water. Houston’s two major airports offer nonstop service to 186 cities worldwide. George Bush Intercontinental Airport is served by 18 airlines, and five airlines operate out of William P. Hobby Airport. 2 of 14 WHY NORTH AMERICAN UNIVERSITY? Safe and responsible environment - North American University (NAU) administration, faculty, and staff are committed to providing a safe and responsible...
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...UnitedHealth Group | Organization and Leadership Analysis | Western Governors University | | Miles Lee, Camryn | 3/10/2016 | The content of this paper is to evaluate the leadership style and practices of United Health Group while conducting a SWOT analysis and highlighting the strengths and weakness of the company. | Managing Organization Analysis: United Health Group Seeking to enhance the performance of the health care system and improving the overall health and well being of the people has been a part of United Health Group’s objective since the organization open its doors in 1974. Working with health care professionals and other key partners to expand access to quality health care; supporting the physician/patient relationship and empowering people with the information, guidance and tools needed to make personal informed health choices and decisions are the key objectives to United Health Group. Although much of the organization has changed over the years, these objectives to enhance the health care system and physician/patient relations while enhancing the overall well-being of their members have remained the same. In addition to UHG’s overall objectives, the organization operates by a set of values designed to maintain the innovation, integrity, compassion, performance and the internal and external relationships of the company. UHG prides itself on their values and have implemented policies to ensure that these values are exercised daily. One of the...
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...military desires, the recruiter must talk to a recruit and his legal guardian or parents as no one under 18 can’t make decisions for themselves without their parents/ guardians permission. The recruiter then will start the process, one of the recruiter’s first assignments is to get the civilian ASVAB scores from their local high school or if the recruit is from out of town they can be retested on the ASVAB. The ASVAB stands for Armed Services Vocational Aptitude Battery test and it accesses a recruit’s probability for enlistment, military job placement and career exploration after the military. ASVAB scoring is based on (IRT) Item Response Theory, this model is used because it measures the examinee’s ability to be placed on the same scale as everyone else and each test is tailored to a specific ability level needed when the examinee picks their military job. The IRT model uses the (3pl) in which measures a examinee’s level of ability to respond to a individual item or characteristics, especially those characteristics that represents difficulty, discrimination (How an item discriminates among examinees, and guessing (the ability that a low ability examinee could get a high score just by guessing). (ASVAB, 2011) ASVAB,...
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...employees in the workplace and to respond to their needs and requirements. The United States Postal Service initiated the use of this strategy to measure employee engagement. “The Voice of the Employee was introduced to USPS in response to cases of violence and poor employee relations”. VOE places emphasis on providing safety and security in the workplace and improving employee interactions. Our text states “Researchers have repeatedly demonstrated that when service worker satisfaction is high, customer satisfaction is high, and that when job satisfaction is low, customer satisfaction is low.” (Evans & Lindsay, 2011) Incorporating the use of balanced scorecards allows USPS to determine the VOE by measuring safety based on the requirements of the Occupational Safety and Health Administration. It is noted that employee satisfaction is directly linked to business performance. Employees will do a better job when they are satisfied at work. Employees contribute to improved internal processes and the success of the organization. The voice of the employee delivers a meaningful and sustainable strategy for change for USPS. Management realized that to improve internal processes, employee satisfaction must be improved. Through the use of VOE, suggestions for change, or modifications to standard procedures, are good for the improvement of Voice of the Business (VOB). VOB is the second element of the balanced score card used by USPS. The “Voice of the Business (VOB)”...
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...than their scores (FairTest, 2004). High schools exit exams (FairTest, 2008) push many thousands of students out of school. As a result of these factors, urban graduation rates have decreased. Some students see no realistic option other than dropping out; some are deliberately pushed out or fail the tests. Either way, these young people are much more likely to end up in trouble or in prison. ("How Testing Feeds the School-to-Prison Pipeline") According to Peter D. Hart, a research associate for the Association of American Colleges and Universities, standardized tests unfairly measure students’ intelligence and academic performance. Therefore, the tests must be changed drastically or abandoned completely. Educators and parents have vocalized their view on the rising number of standardized tests the government has implemented in efforts to improve education in American schools. In light of the No Child Left Behind legislation under President George W. Bush, the government administers more and more tests to children, predominantly in lower grade levels ("Standardized Testing"). Along with No Child Left Behind, opponents have shown their disapproval of these "mindless" and "artificial" tests through Fairtest.org, a campaign against standardized testing (Henry). Experts made their stance clear, but are standardized tests truly useless? A Standardized test, defined as, "...any objective test, or combination of objective and performance tests, that yields the same score for the same...
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...Leader’s Book NAME INSERT YOUR NAME UNIT INSERT YOUR UNIT PHONE # INSERT YOUR NUMBER Creed of the Noncommissioned Officer Creed of the Noncommissioned Officer No one is more professional than I. I am a Noncommissioned Officer, a leader of soldiers. As a Noncommissioned Officer, I realize that I am a member of a time honored Corps, which is known as “The Backbone of the Army.” I am proud of the Corps of Noncommissioned officers and will at all times conduct myself so as to bring credit upon the Corps, the Military Service and my country regardless of the situation in which I find myself. I will not use my grade or position to attain pleasure, profit or personal safety. Competence is my watch-word. My two basic responsibilities will always be uppermost in my mindaccomplishment of my mission and the welfare of my soldiers. I will strive to remain tactically and technically proficient. I am aware of my role as a Noncommissioned Officer. I will fulfill my responsibilities inherent in that role. All soldiers are entitled to outstanding leadership; I will provide that leadership. I know my soldiers and I will always place their needs above my own. I will communicate with my soldiers and never leave them uninformed. I will be fair and impartial when recommending both punishment and rewards. Officers in my unit will have maximum time to accomplish their duties; they will not have to accomplish mine. I will earn their respect and confidence as well as those of...
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...Media Planning and Buying, Public Relations, and Conclusion of Discover Financial Services Rebrand Campaign By Jennifer Grant and Chad Lacey Traci O’Neill Integrated Marketing Communications Montana Tech of the University of Montana March 7, 2013 Media Planning and Buying In an effort to maximize effectiveness of our media planning and buying strategy, we are targeting the following consumers: 1. Adults with a credit score of 750 or higher that seek a rewards program that wishes to maximize returns on use of credit cards. 2. Adult, college-aged students who have no credit that desire to build a credit history. Geographically, we are targeting these consumers in the United States with a special emphasis in all major metropolitan areas. The timing of our campaigns will be fiscal year-long beginning in 2014. However, higher frequency bursts will be delivered to target audience members: 1. For students, we will increase frequency at the beginning of fall and spring semesters with a follow-up prior to summertime. 2. For others, we will create more frequent burst during major, celebratory holidays, and prior to summer. The vehicle selections we have chosen are thought to be the most effective in reaching our target audiences at a national level: 1. Magazines – Choose publications that are read by our audiences. For savvy adult consumers, we would advertise in business, financial, and other high end magazines. For students, we would choose outdoor...
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...was through them as well. They have excellent customer service and are always willing to help their clients out any way that they can. Old National Bank has one hundred and seventy locations in four states: Indiana, Illinois, Kentucky and Ohio with their headquarters located in Evansville, Indiana. Old National has a great online banking system. The site is very easy to navigate with many tutorials and demos provided. Under the business tab I am able to find out information regarding receivables, payables, information and money management along with fraud protection. Under each of these titles I am able to find out what services this bank provides while in the comfort of my own home. Receivables management states that they can help accelerate and improve my cash position. (Old National, 2011) Services offered include: express deposit, retail lockbox, wholesale lockbox, consumer direct debit, cash concentration, represented check service and merchant processing. These services are great because driving to the bank for depositing or collecting would be almost eliminated, they issue the software needed for electronic deposits, debt reduction and idle cash investing are some of the great perks provided by this bank. They also offer credit, debit, corporate, fleet and prepaid cards...
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