In Depth Review of Homeowner Policy Term Paper Example | Topics and Well Written Essays - 2250 words

In Depth Review of Homeowner Policy - Term Paper Example In Depth Review of Homeowner Policy As a policy holder myself, coverage differs from one policy to another. My homeowner policy covers for several things. It includes the physical property damages. In section 1, coverage A of the policy, it states that it pays for a certain percentage of the structure of the home when physically damaged. Included in this section are the roofing, flooring, light fixtures, appliances, kitchen appliances and washers. The policy also covers for the structures that are part of the main house but are considered extensions like the garage and fences however with a small percentage which is about 10 percent of the cost of the main structure insured. Additional living expenses during the peril of fire or lightning, windstorm or hail and explosions are covered too. This is when the owner seeks for a temporary lodging. It takes 20% reimbursement from the structural coverage of the property. My personal property is also covered but scrutinizing it shows some limitations. Jewelleries when not appra ised and scheduled separately in a policy will not be all covered when stolen. The amount limit to be paid only is $1000 even if the value of the jewelleries is three times the limit. In addition the policy exercises the limit in the China wares, cash, and firearms when stolen. In this connection, it is always best to protect personal properties. According to William (2007) it is advisable not to keep valuables in the bedroom because it is the most part of the house being searched by burglars. What is good in my policy is that it has an extra endorsement to cover for an expensive loss of personal belongings. However, if the insurance company pays the stolen personal properties, it is going to price it with today’s value and not the former price when you purchased that personal belonging before minus the depreciation value. However, to avail of these inclusions, the insurer has to make sure her policy has the broad form or the all peril coverage. Having this type of coverage w ould make the policy holder covered for everything with the exception of those within the exclusion of the policy. Most often, policyholders are tricked with this scheme where they believed there are no exceptions. Insurance companies are very tricky in their business that if there is no review done by the policyholder, he will fall into their trap. An example of this situation is the case of Ward Gen. Ins. Svcs. Inc. vs. Employers Fire Ins. Co. (CBS interactive, 2010) who went into hearing to dispute the payment of her loss regarding her data in the computer. The court found out that the loss was not included in the coverage because it was not a direct physical loss. Physical loss means material existence that is tangible (Viau & Kwasniewski, 2001). To this effect, it is clear that the insurer has also to understand the languages used by the insurance companies. The understanding of the term physical loss in the policy is not in congruent to the definition of the insurance company thus fighting the dispute in court is a disappointment on the policy holder’

Project Management Essay Example for Free

Project Management Essay The pursuit for a successful project when a project or service needs to be established that is outside of the normal functional operations, the technique of project management is imperative. The efforts of the three â€Å"C† are communication, cooperation, and coordination that all work together in a profound approach to create a winning coalition with the project team members and senior management. The three â€Å"C† are essentially to providing the means in allowing project management to function in positive environment. The Lockheed Martin Corporation is one of the companies that captures the three â€Å"C† concept that led the organization to being one of the premier leaders in technology – that is why incorporating a project management function within a project management office is essential to staying a leader in the industry. The Lockheed Martin Corporation is an advanced technology company that was found in March 1995 after a merger of two profound technology companies; Lockheed Corporation and Martin Marietta Corporation. The Lockheed Martin Corporation employs over 120,000 people in the world with concentration in research, design, development, and manufacture as well as integration of advanced technology systems, products and services to clients that are around the world (Lockheedmartin. com, 2008). The Lockheed Martin Corporation prides itself in being a leader with extraordinary talent and creativity to bring new and fresh ideas to the marketplace. The Lockheed Martin Corporation major clientele is the U. S. Department of Defense and the U. S. Federal Government agencies to provide lead systems integrator and information technology. The IT services that Lockheed Martin Corporation provides is one of the finest in the world providing systems integration and training to the U. S. Government. The additional business is providing international government and some commercial sales of products, services and platforms. Therefore, in the pursuit of business interests, the decision establish a project team to explore a new device technology chip that will enhance the speed and calculation of previous system integration will enhance the brand equity of Lockheed Martin Corporation in the market. The goal of project management is to manage and complete the delivery of the client’s deliverable on time and on budget. Therefore, the objective of project management within an organization is the ability to achieve the company’s strategic goals and mission. The project manager initiative is to follow the client’s purpose for the development of the product or service with stated specifications with the PM effectively planning accordingly. The focus on the project management objective allows for a central concentrated effort on the Project Manager to outline the needed tasks- that is outside of the daily organizations functions as business as usual- to creating the specific need for the client domestically and internationally (Wild, Wild, and Han, 2006). The collective consensus of project management within an organization to consider having a Project Management Office (PMO) is a productive step in centralizing the need for better planning. The reason for the project management office is the centralization of the responsibility and authority for the achievement of organizational goal when the assignment doesn’t fall within the confinement of routine work. The understanding of the Project Management Office identification what situation constitutes a project or non-project that will present a temporary nature; the following will apply to reach such a determination: a. The opportunity or market window is usually temporary with some projects having a limited time frame to produce the product or service. . A capability to perform a service, such as business functions supporting production or distribution. c. A product or artifact that is produced is quantifiable and can be an end item in itself or a component item. d. A market demand that requires a need to satisfy in a given period of time. e. A technological advance that ranges from new software upgrades or internal systems. f. Consumer requests to offer a better adaptability to a product. g. Designing a new advanced transportation vehicle for a specific demographic. . The building a new construction that adds a new division or for a client. Therefore, the determination is agreed upon for completing a project outside of the normal operations of the organization, a focused effort must be made for a successfully completion (Armstrong and Kotter, 2007). The objectives of projects and operations are at times very different in keeping the company working towards the same goal, even though, the organization’s objectives for business enterprise is still the core initiative. The project management agenda is a means of organizing activities that is accomplishing through the application (Haritz, 2004). The integration of the application of the project management processes within the organization is required for a managing of the initiating, planning, executing, monitoring and controlling, and closing. The senior management team commitment to quality and delivering excellent products or services are dependent on employees to comply accordingly. Therefore, the importance of project management is crucial to presenting a professional responsibility to its stakeholders including customers, the performing organization, and the public for meeting company’s initiatives. The acquiring of management by project is related to organizational culture that is close to the project management culture described in the pursuit for execution. The following aspect to consider in the positive attributes of using project management in the organization is the benefit for sharing information for effective decision making.

Process of Appendix Removal

Process of Appendix Removal Natalija Miller Process Description of Appendix Removal Appendectomy: The appendix itself is a small, finger-like projection off the large intestine. Appendicitis is the inflammation of the appendix due to a block in the opening to the colon, or by an infection (US National Library of Medicine, 2014). An appendectomy then, is the surgical procedure done to remove the appendix, usually in cases where acute appendicitis is present. The procedure is considered highly recommended in cases where appendicitis may be suspected to reduce the possibility of a life-threatening infection due to an appendix rupture (Johns Hopkins Medicine). Causes of Appendicitis: Appendicitis is considered to have multiple causes, including those that involve stools, mucus, bacteria and other organisms like parasites. These cause the appendix to swell, leading to irritation and inflammation. If the appendix then ruptures, those stools, bacteria, etc., then leak into the abdomen and could cause a serious infection. Inflammation of the abdomen due to bacterial infection is known as peritonitis. Antibiotics, further surgery and/or (in some cases) blood transfusions maybe used to treat this condition (Mayo Clinic, 2011). Diagnosis of Appendicitis: Generally, the physician will first inspect the abdomen and evaluate signs and symptoms. Often a light pressure is applied to any areas of pain, and then relieved quickly. Pressing down on the site and letting go quickly should be considerably more painful or discomforting in cases where appendicitis is present. Doctors will often look for what is termed, â€Å"guarding† – the tendency to tighten the abdominal muscles due to the increase in pressure against the inflamed area. Other helpful diagnostic testing may occur to confirm appendicitis (ultrasound, white blood cell count, etc.), or to simply rule other complications out (urine testing for kidney stones) (Mayo Clinic, 2014). It is important to note, however, that there are no tests to completely confirm the existence of appendicitis. Symptoms of Appendicitis: Certain areas and intensities of pain are considered to be more symptomatic than others. It is important to report any of the following to a physician: Pain of the lower right abdomen or pain that travelled there from the midsection. Progressive pain (increase in severity as time progresses). Heightened pain with touch, coughing/sneezing, or certain movements. Nausea and vomiting. Lack of appetite or desire to consume food. Fever/chills. Constipation/Diarrhea Laxatives and other bowel regulating methods are exceptionally dangerous in cases of appendicitis due to their contribution to the risk of rupture. Pain medications should also be avoided to ensure that other sites of pain are not overlooked, preventing a physician from concluding a definitive diagnosis (Johns Hopkins Medicine). Appendectomy Variations: Open Appendectomy: This is a method where an incision will be made in the lower right abdomen – generally no more than 3 inches in diameter – by which the physician can locate and extract the appendix. Laparoscopic Appendectomy: This is performed through several small incisions and a tube-shaped camera (laparoscope) used to locate the appendix for removal. The laparoscope is hooked-up to a monitor for the surgeon to view during the procedure. This method is not only considered to result in less scarring (shown in Figure 1 below), but also lessen the amount of pain surgery results in, decrease length of hospital care, shorten recovery period, and lower infection rates (Johns Hopkins Medicine). Figure 1: Laparoscopic Appendectomy incision site Possible Risks: There are risks associated with the procedure, which include: Infected incision site. Peritonitis. Obstructed bowels (Johns Hopkins Medicine). Possible bleeding Reactions to anesthesia Pus build-up (US National Library of Medicine, 2014). Other risks may be possible depending on specific medical conditions – report to the physician along with any concerns about the procedure (Johns Hopkins Medicine). Procedure: Before: The details of the procedure will be extensively described, as which point permission to perform said procedure will be requested. A list of medications or medical concerns will be collected, and a sedative or anesthesia will be given to induce a relaxed state, allowing the operation to begin. During: All clothing and jewlery will be removed and a gown will be provided to change into. An intravenous (IV) line will be placed in the arm, wrist or hand. Physicians will request a supine position of the operating table (laying on back). An anesthesiologist will monitor all vital signs during the appendectomy. Open Appendectomy: Through the incision in the lower right quadrant, the abdominal cavity will be opened by separating the abdominal muscles, and the appendix will be removed through a process involving sutures (a series of stitches). In the case of a rupture, the cavity will be rinsed thoroughly with saline and drained. The incision will then be cleansed with an antiseptic to reduce the risk of infection. Laparoscopic Appendectomy: A number of incisions will be made for the laparoscope and the instruments needed to extract the appendix. The abdominal cavity will be inflated with carbon dioxide through one of the incisions to allow for a clearer visual. Once the appendix is located it is tied off with sutures and removed. At the end of both methods, the appendix is examined in a laboratory setting, the incisions will be sealed and the wounds will be dressed with a sterile gauze (Johns Hopkins Medicine). Returning to Daily Living: After the procedure, it is recommended that walking take place within a few hours or the following day. Pain medication may be administered to provide a more comforting environment. It is important to progressively increase the solidity of foods to ensure that the body can still consistently regulate itself. Once discharged (usually after a day or two), the incision site must be kept clean and dry (US National Library of Medicine, 2014). Avoid any strenuous activities until the follow –up (2-3 weeks after surgery), for a physician’s recommendations. It is extremely important to notify a physician if any of the following problems arise: Lasting fever of over 101 degrees Fahrenheit. Any irritation at incision sites. Inability and/or lack of desire to consume fluids. Continuous coughing, shortness of breath and/or trouble breathing. Inability to have bowel movements (Johns Hopkins Medicine). Recovery to the point where normal, everyday activities can resume will generally take place between 2-4 weeks after being discharged (US National Library of Medicine, 2014). References The Johns Hopkins Hospital and Health System. (n.d.). Appendectomy. Retrieved October 26, 2014, from http://www.hopkinsmedicine.org/healthlibrary/test_procedures/gastroenterology/appendectomy_92,P07686/ Mayo Clinic. (2014, August 20). Appendicitis. Retrieved October 26, 2014, from http://www.mayoclinic.org/diseases-conditions/appendicitis/basics/tests-diagnosis/con-20023582 Mayo Clinic. (2011, July 9). Peritonitis. Retrieved October 26, 2014, from http://www.mayoclinic.org/diseases-conditions/peritonitis/basics/treatment/con-20032165 U.S National Library of Medicine. (2014, October 9). Appendectomy: MedlinePlus Medical Encyclopedia. Retrieved October 26, 2014, from http://www.nlm.nih.gov/medlineplus/ency/article/002921.htm

Larry Bird :: essays research papers

This program will be in its 15th annual cycle during Summer 2002 and is designed to attract students to various fields of clinical research. Students also gain valuable experience assessing validity of current clinical practice standards in a discipline. Research methods and data analysis aSTUDENT RESEARCH FELLOWSHIP PROGRAM This program will be in its 15th annual cycle during Summer 2002 and is designed to attract students to various fields of clinical research. Students also gain valuable experience assessing validity of current clinical practice standards in a discipline. Research methods and data analysis are emphasized. Target audience: First and second-year medical students will be eligible for summer fellowships. Some undergraduate pre medical students as well as graduate students will be eligible (depending on availability of funding and mentors). Additionally, one to four positions are reserved for first or second year law students and one to three for advanced degree nursing students. Program components: Student applicants will complete a research fellowship application form. Specific sponsors or preceptors will be identified for qualified students as funding becomes available. Attempts will be made to place a research student in an area of personal interest. Review criteria for selection include strong student academic records, personal achievement and integrity, research skills and experience, and recommendations from scholastic advisors. Sponsors/preceptors will be encouraged to participate in the recruitment of students and will provide students with guidance and workspace during the summer. Students are expected to consider the program as their full-time summer employment. Structured academic training programs and clinical observation beyond the specific project (provided by the mentor(s)) will also be encouraged. Stipend: Each student will receive a stipend of $766.66 per three-week period for a maximum award of $2300 over a nine-week program. Progress milestones: Each student will be requested to attend a series of dinner meetings at three-week intervals. The purpose of these programs is to provide research fellows with additional information on abstract preparation, poster preparation, manuscript preparation, and data analysis. The dinner meetings serve as a forum to present preliminary data and to become acquainted with other students and mentors. Each student will be expected to deliver a brief verbal report at each meeting. At the conclusion of the summer program, a student must prepare a meeting abstract, research poster, and research manuscript evaluated by his/her preceptor in order to receive final stipend payment. If performance evaluation at the conclusion of the program is desired, a written evaluation by each preceptor can be prepared. These evaluation summaries can be forwarded (if a student requests them) to their respective campus academic advisors. Midwest Alliance for Health Education and Indiana University School of Medicine- Fort Wayne Center for Medical Education Larry Bird :: essays research papers This program will be in its 15th annual cycle during Summer 2002 and is designed to attract students to various fields of clinical research. Students also gain valuable experience assessing validity of current clinical practice standards in a discipline. Research methods and data analysis aSTUDENT RESEARCH FELLOWSHIP PROGRAM This program will be in its 15th annual cycle during Summer 2002 and is designed to attract students to various fields of clinical research. Students also gain valuable experience assessing validity of current clinical practice standards in a discipline. Research methods and data analysis are emphasized. Target audience: First and second-year medical students will be eligible for summer fellowships. Some undergraduate pre medical students as well as graduate students will be eligible (depending on availability of funding and mentors). Additionally, one to four positions are reserved for first or second year law students and one to three for advanced degree nursing students. Program components: Student applicants will complete a research fellowship application form. Specific sponsors or preceptors will be identified for qualified students as funding becomes available. Attempts will be made to place a research student in an area of personal interest. Review criteria for selection include strong student academic records, personal achievement and integrity, research skills and experience, and recommendations from scholastic advisors. Sponsors/preceptors will be encouraged to participate in the recruitment of students and will provide students with guidance and workspace during the summer. Students are expected to consider the program as their full-time summer employment. Structured academic training programs and clinical observation beyond the specific project (provided by the mentor(s)) will also be encouraged. Stipend: Each student will receive a stipend of $766.66 per three-week period for a maximum award of $2300 over a nine-week program. Progress milestones: Each student will be requested to attend a series of dinner meetings at three-week intervals. The purpose of these programs is to provide research fellows with additional information on abstract preparation, poster preparation, manuscript preparation, and data analysis. The dinner meetings serve as a forum to present preliminary data and to become acquainted with other students and mentors. Each student will be expected to deliver a brief verbal report at each meeting. At the conclusion of the summer program, a student must prepare a meeting abstract, research poster, and research manuscript evaluated by his/her preceptor in order to receive final stipend payment. If performance evaluation at the conclusion of the program is desired, a written evaluation by each preceptor can be prepared. These evaluation summaries can be forwarded (if a student requests them) to their respective campus academic advisors. Midwest Alliance for Health Education and Indiana University School of Medicine- Fort Wayne Center for Medical Education

How Different Types of Transition Can Effect a Child Development

Explain how different types of transition can affect children and young people’s development Transitions are changes that take place in our life, changes which can occur over a short or long period of time, can be physical, emotional, personal or psychological, and can be predictable or unpredictable. Life is full of changes and every child and young person will go through many transitions. Some of them may have a positive effect (such as an increased level of motivation or improved self–esteem); others may have the opposite effect.The experiences of a child or young person when dealing with transitions will affect, positively or negatively, his development, and can have an important role in learning the skills to cope with other changes later in life. Some transitions (such as starting school, moving through curriculum stages or puberty) are predictable. Children should be prepared in advance, and have the opportunity to talk and ask questions about these changes. In t his way any negative impacts can be minimised, and the transition should be less stressful for the child or young person.This approach can be applied to any predictable transition, whether educational, physical or physiological, and the approach can be beneficial even for such small changes as moving from one activity to another in the classroom. For some transitions, the child or young person cannot be prepared in advance, and there will be no opportunity to discuss the change before it happens. Changes such as bereavement, family break-up or serious illness are generally unpredictable.Because these changes are not anticipated, they can cause distress and feelings of lack of control in the child or young person. This can affect emotional and behavioural development, in turn leading to possible impacts on physiological and intellectual development. Family break-up is an example of a transition which may involve other significant changes in a child or young person‘s life. The c hild or young person’s life seems to have turned upside down, causing confusion and uncertainty.The child or young person can experience powerful emotions of anger, sadness, fear and insecurity. For many children, their emotional distress may cause changes in behaviour. Some children or young people will not be able to show their feelings or to talk with others about what they are going through; they may isolate themselves, becoming quiet and withdrawn. In others, the reaction may be the opposite; they may become verbally or even physically aggressive or just generally less cooperative – slamming doors, staying out late or getting into trouble.A good relationship between the child or young person and his practitioners can have a positive effect on their emotions. The practitioners must learn to recognise signs of transition anxiety, including body language, changes of behaviour, or changes in their work. Sometimes a child or young person may find it easier to express t heir feelings and thoughts through art work, stories or poems, than to articulate such complex emotions verbally. Starting primary school is a predictable, intellectual transition, which can be emotionally upsetting for some children.They may experience anxiety and stress when they first attend the new setting or meet a new teacher. There are a lot of changes involved – it will often be their first experience of being separated from their parents for any length of time; their routine changes with the hours at school and the longer periods of concentration required; they need to make new friends, undertake new activities and adhere to new rules. They can start showing anxiety and sadness at moving school which will affect their behaviour, and may result in regression and clinginess. ?

Meaning of the Term Black Church and Its Importance

Meaning of the Term Black Church and Its Importance The â€Å"black church† is a term used to describe Protestant churches that have predominately black congregations. More broadly, the black church is both a specific religious culture and a socio-religious force that has shaped protest movements, such as the Civil Rights Movement of the 1950s and 1960s. Origins of the Black Church The black church in the United States can be traced back to chattel slavery in the 18th and 19th centuries. Enslaved Africans brought to the Americas a variety of religions, including traditional spiritual practices. But the system of slavery was built on the dehumanization and exploitation of enslaved people, and this could only be achieved by depriving slaves of meaningful connections to land, ancestry, and identity. The dominant white culture of the time accomplished this through a system of forced acculturation, which included forced religious conversion. Missionaries would also use promises of freedom to convert enslaved Africans. Many enslaved people were told they could return to Africa as missionaries themselves if they converted. While it was easier for polytheistic beliefs to merge with Catholicism, which ruled in areas such as the Spanish colonies, than the Protestant Christian denominations that dominated early America, enslaved populations constantly read their own narratives into Christian texts and incorporated elements of their previous faiths into Christian frameworks. Out of this cultural and religious acculturation, early versions of the black church were born. Exodus, The Curse of Ham  and Black Theodicy Black pastors and their congregations maintained their autonomy and identify by reading their own histories into Christian texts, unlocking new routes for self-realization. For example, many black churches identified with the Book of Exodus’s story of the prophet Moses leading the Israelites escape from slavery in Egypt. The story of Moses and his people spoke to hope, promise and the benevolence of a God which was otherwise absent in the systematic and oppressive structure of chattel slavery. White Christians worked to justify slavery through the employment of a white savior complex, which  in addition to dehumanizing black people, infantilized them. They insisted that slavery was good for black people, because black people were inherently uncivilized. Some went so far as to claim that black people had been cursed and slavery was the necessary, God-intended punishment. Seeking to maintain their own religious authority and identity, black scholars developed their own branch of theology. Black theodicy refers specifically to theology that answers for the reality of anti-blackness and the suffering of our ancestors. This is done in a number of ways, but primarily by re-examining suffering, the concept of free-will, and God’s omnibenevolence. Specifically, they examined the following question: If there is nothing that God does that is not good in and of itself, why would he inflict such immense pain and suffering on black people? Questions like this one presented by black theodicy led to the development of another type of theology, which was still rooted in accounting for the suffering of black people. It is perhaps the most popular branch of black theology, even if its name is not always well known: Black Liberation Theology. Black Liberation Theology and Civil Rights Black Liberation Theology strove to incorporate Christian thought into the black community’s legacy as a â€Å"protest people.† By recognizing the social power of the church, along with the safety it offered within its four walls, the black community was able to explicitly bring God into the daily liberation struggle. This was famously done within the Civil Rights Movement. Although Martin Luther King Jr. is most often associated with the black church in the context of civil rights, there were many organizations and leaders during that time who leveraged the church’s political power. And although King and other early civil rights leaders are now famous for their nonviolent, religiously-rooted tactics, not every member of the church embraced nonviolent resistance. On July 10, 1964, a group of Black men led by Earnest â€Å"Chilly Willy† Thomas and Frederick Douglas Kirkpatrick founded The Deacons For Defense and Justice in Jonesboro, Louisiana. The purpose of their organization? To protect members of the Congress For Racial Equity (CORE) against violence from the Ku Klux Klan. The Deacons became one of the first visible self-defense forces in the South. Although self defense was not new, the Deacons were one of the first groups to embrace it as part of their mission. The power of Black Liberation Theology within the black church did not go unnoticed. The church itself came to serve as a place of strategy, development  and reprieve. It has also been a target of attacks by numerous hate groups, such as the Ku Klux Klan. The history of the Black church is long and not over. Today, the church continues to redefine itself to meet the demands of new generations; there are those within its ranks who work to remove factors of social conservatism and align it with new movements. No matter what position it takes in the future, it cannot be denied that the black church has been a pivotal force within Black American communities for hundreds of years and those generational memories are not likely to fade.