Housing Is Categorized Under Basic Commodities - 2127 Words

Housing is categorized under basic commodities. Despite the necessity associated with proper housing, families and individuals all over the world continue to have trouble in affording proper housing facilities. Affordable housing refers to a kind of accommodation that is suitable for the needs of a range of very low to medium income families. Affordable housing should be priced so that these households can be in a position to cater for their other basic living costs such as food, medical care, clothing, education and transport. Housing is a combined product of land and buildings. Accommodation bargain-basement relays to an individuals capability to pay for their housing at a given point in time. It is a multifarious issue brought about by labor markets and local housing as well as larger macro-economic, environmental and social forces. As citizens in Australia continue to experience shortage of affordable housing, economics continue to debate on the necessity of government intervent ion in the issue. Housing affordability may result to stress in situations where people strain to meet the cost of simple yet suitable houses. Naturally, people are supposed to spend a mere 20% of their income on housing. However, people in Australia spend more than 40 percent of their income on housing. This means that people do not retain enough money to cater for other basic needs such as medical, food and clothing. The lack of affordable housing means that people experience poor livingShow MoreRelatedPoverty And Poverty1721 Words   |  7 Pagesoil prices that make food transport pricey and diversion of corn for use as a biofuel all contribute to the price spike† (Clemmitt). The result of globalization has directed poor and unstable countries to â€Å"Abandon domestic food crops in favor of commodity crops for export. The crisis also has sparked international tension over the impact of wealthy nations farm subsidies and meat-heavy diets† (Clemmitt). Due to rising prices, it has bec ome difficult for people from disadvantaged countries to buyRead MoreThe Nature and Forms of Commercial Organization2883 Words   |  12 Pagesorganizations or business enterprises may take the following forms of ownership: * Individual or Sole Proprietorship It is a business owned by one person. This form of ownership is small, requires but little amount of capital, and is readily established under the control of one person. It refers to an individual who owns, manages, assumes all the risks, and derives all the products or profits from a business. Advantages of Sole Proprietorship * Easiest to establish. * Easiest to terminate. *Read MoreThe Situation of Filipino Children and Young People3366 Words   |  14 Pagestask of tilling the ï ¬ elds ceases to be a boy but a labouring farmhand. A 16-year-old who spends most of his time at a wage-factory ceases to be a young adolescent but a breadwinner. A 9-year-old girl made to peddle her body on the streets becomes a commodity. An 8-year-old boy on the street stealing someone’s money for food is a criminal. Boys and girls loitering in the streets sniffing rugby are considered dregs of society. Seldom are their situations seen in the context of poverty and lack of parentalRead MoreHealthcare System Of Kenya As An Example For Future Students And Classes2796 Words   |  12 Pageswith emphasis being placed on ensuring these commodities are accessible and affordable, and they also meet defined standards for quality, efficacy and safety. USAID has contributed to gains already made in this area and has assisted the Kenya Medical Supplies Agency for severa l years. In 2012 USAID signed a direct funding agreement with the Kenya Medical Supplies Agency providing a way for undertaking procurement and distribution of all health commodities. Technology is now used in Kenya to createRead MoreProject Report on Investment Analysis10519 Words   |  43 Pagesmatter for households, firms, or governments. An investment involves the choice by an individual or an organization such as a pension fund, after some analysis or thought, to place or lend money in a vehicle, instrument or asset, such as property, commodity, stock, bond, financial derivatives (e.g. futures or options), or the foreign asset denominated in foreign currency, that has certain level of risk and provides the possibility of generating returns over a period of time. Investment comes with theRead MoreEmilio Jacintos Trading Cooperative19425 Words   |  78 Pagespublication, the Schaars book has served as a basic reference for cooperative members and leaders, cooperative instructors and development specialists, and students of cooperatives throughout the United States and world. It has been translated into several languages. Although the Schaars book has been out of print for some time, the University of Wisconsin Center for Cooperatives (UWCC) continues to receive regular requests for copies. Its straightforward, basic information on the organization, structureRead MoreBanking: Comparative Analysis of Public and Private Sector Banks3820 Words   |  16 Pagesmetrics like growth, profitability and non-performing assets (NPAs). A few banks have established an outstanding track record of innovation, growth and value creation. Banking in India was defined under Section 5(A) as any company which transacts banking, business and the purpose of banking business defined under Section 5(B),accepting deposits of money from public for the purpose of lending or investing, repayable on demand through cheque/draft or otherwise. In the process of doing the above-mentionedRead MoreThe Role of Agriculture in the Nigerian Economy8784 Words   |  36 PagesCHAPTER TWO LITERATURE REVIEW In this chapter of the research work, the review of related literature is presented under the following heading: ââ€" ¡ Role of Agriculture in an Economy ââ€" ¡ Importance of Agriculture ââ€" ¡ Analysis of Selected Indicators of Agricultural Growth ââ€" ¡ Agricultural Constraints ââ€" ¡ Institutional Reforms ââ€" ¡ Major agricultural policies in Nigeria from 1960-2005 ââ€" ¡ Macro-economic variables affecting economic growth ââ€" ¡ Government expenditure ââ€" ¡ Investment Read MorePublic Fiscal Administration3852 Words   |  16 Pagesactivity. Wherein RPCOPG represents the â€Å"real per capita output of public goods†, RCPI represents â€Å"real per capita income†; and where the numerical values represent an earlier and later period respectively. Wagner believes that social progress is the basic reasons for the relative growth of government in industrialize countries. Because it implies giving importance to distribution issues, and perhaps a desire for a more equitable distribution of resources. Accordingly, an increase in cultural and socialRead MoreCredit Creation2691 Words   |  11 Pagesdivided up into the M1-M3 components. Generally, the types of commercial bank money that tend to be valued at lower amounts are classified in the narrow category of M1 while the types of commercial bank money that tend to exist in larger amounts are categorized in M2 and M3, with M3 having the largest. The Reserve Bank of India defines the monetary aggregates as: †¢ Reserve Money (M0): Currency in circulation + Bankers’ deposits with the RBI + ‘Other’ deposits with the RBI = Net RBI credit to the

Vulnerable Population and Self Awareness Paper - 1620 Words

Running head: VULNERABLE POPULATION AND SELF Vulnerable Population and Self-Awareness Paper: Substance Abuse Lesley Pyron University of Phoenix Vulnerable Population and Self-Awareness Paper Effective healthcare is dependent on understanding vulnerable individuals and populations with respect to biases and prejudices of healthcare providers. According to de Chesnay (2008), â€Å"Vulnerability is a general concept meaning susceptibility, and its specific connotation in terms of healthcare is at risk for health problems† (p. 3). Anyone can be vulnerable at different times in his or her life under specific circumstances. According to de Chesnay (2008), â€Å"Vulnerable populations are those at risk for poor physical, psychological, or social health.†¦show more content†¦Many addiction treatment programs are available to people with or without insurance coverage. I have no violent thoughts against the homeless, but they are at high risk for violent crimes because they are homeless. Shelters and other agencies exist that will help the homeless with clothing, food and a place to sleep, but the problem may arise th at some of these places will not take the homeless because of substance abuse problems or violent behaviors. Impact of Research on Personal Attitudes Research is the scientific way to prove or disprove ideas. After researching the homeless, the impact that the research had on me was dramatic. I have learned that the declining economy, high costs of living, substance abuse, war, and every day activities can lead to homelessness. My attitude has changed in that I now believe that the homeless are susceptible to many types of abuse, illness, violence, and misconceptions. Some states have training for police officers on how to deal effectively and humanely with homeless people when they are the victims of crimes. Homeless groups or individuals are susceptible to many illnesses because of poor living conditions, unsanitary environments, and inability to pay for food or medications. According to Talukdar, A., Roy, K., Saha, I., Mitra, J., and Detels, R. (2008), â€Å"The homeless in the United States and in other countries are considered to be at high risk forShow MoreRelatedVulnerable Populatio n and Self-Awareness Paper908 Words   |  4 PagesVulnerable Population and Self-Awareness Paper Leah Robertson June 19, 2012 NUR/440 Sharon When thinking about vulnerable populations, individuals, and families there are so many different keys that affect what makes a person vulnerable. Being aware of the attitudes, stereotypes, demographics, and financial aspects that make a certain population or person vulnerable can be a valuable lesson in being a nurse. 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This research identifies the predictors of psychological distress in newly arrived older immigrants to Australia. Besides the conclusion that How health professionals are acting to modify determinants of health? As obse rved previously, healthRead MoreHealth Literacy And The Health1603 Words   |  7 Pagesaccess, communicate, evaluate and understand basic health information. Health Literacy can range from knowledge about preventative care, treatment and awareness of all factors that can influence a patient’s decision making. The major influence of health literacy is doctors, pharmacist and many other lay persons in the medicine and health sector. This paper seeks to support that health literacy is connected to every aspect of everyday life including, race, ethnicity, age and most importantly healthy lifestylesRead MoreThe Environmental And Genetic Factors Affecting Children With Type 2 Diabetes1430 Words   |  6 Pagesfactors have been implicated in the development of this disease. The increasing population growth, ageing populations, dietary changes, prevalence of obesity, economic development, and physical inactivity is associated with the rise in diabetes. T2D burden will continue to increase worldwide without effective prevention and management. Due to socioeconomic disadvantage and lack of access to care, the vulnerable population is more at risk of diabetes. Interventions which prevent the development of the

Economic Issues Simulation Paper Free Essays

As a representative of Castor Insurance, the job is to maximize profit and minimize risk for the company. Healthcare is a high in demand good that the consumers of any job wants and needs to have. So it is very important to chose the right kind of healthcare for your employees. We will write a custom essay sample on Economic Issues Simulation Paper or any similar topic only for you Order Now The two companeys in question Constructit and E-editors need to choose a well balanced health insurance plan that will work for there group of people. I am Jamie Ruth, I am the Vice President, Strategy and Financial Planning at Castor Collins. My duties include pricing plans and setting insurance premiums for our potential clients. Castor Collins was approached by two companies looking for employer insurance and both companies have a set rate their employees are able to pay for premiums since both groups will have to pay for his or her own insurance. The first company is Constructit that consist of 1,000 people and E-Editors that consist of 1,600 people. It is up to my team to come up with a plan the meets Constructit $4,000 max on premium and E-editors max of $4,500 premium. Our task is to keep revenue maximized and risk to a minimum by choosing one of our three plans, which are Castor Standard, Castor Enhanced and our customized plan called Castor Enhanced Minor to suit Constructit the company I have chosen. Demographics of Constructit Constructit consist of 550 men between the ages of 26 to 45 and 450 women between the ages of 26 to 42. At Constructit 32% of the workforce’s duties involve excessive physical activities. This can cause some health risk with these employees. Whereas 25% of the workforce’s duties involve modest physical activities and the remaining 43% of the workforce’s duties involve inactive activities. With the modest activity there is always a chance an injury could happen. The inactive employees mainly desk employee are not immune from injury either. Married employees consist of 60% of the workforce. The employees at Constructit are not all in perfect health. Out of 1000 employees 170 men and 210 women 38% of the workforce has no major health problems. With almost 10% of the workforce 55 men and 36 that are smokers. The majority of the workforce misses work due to injuries, respiratory system diseases, digestive disorders, migraine, and allergic conditions. Health Concerns In our investigation of the health demographics in Constructit we discovered the following health concerns. Almost half of the employees are obese, 198 men and 192 women which adds up to 39% of the workforce which in itself is a major concern. Obesity can cause High Cholesterol the second highest medical condition within this group meaning 19%, 101 men and 95 women. As well as high blood pressure is another cause of health concern with 88 men and 105 women, 19% of the workforce. We also discovered many suffer from an allergy which affects 92 men and 85 women 17% overall. Many of the employees suffer from migraines 16%, 75 men and 93 women. Although only 13% of the employees 78 men and 57 women Respiratory Diseases is still a cause of concern. The Last medical condition we discover was digestive disorders at 8% 52 men and 32 women. Now our task was to develop a plan and stay within our $4000 premium limit. Plans Here at Castor Collins we have two plans that could possibly fit the needs of Constructit. One is Castor Standard which does not cover preexisting medical conditions and the other is Castor Enhanced which does cover preexisting medical conditions. Helen one of my team members suggests we offer Constructit Castor Enhanced and eliminates a few services that have high utilization. Adam says or we could choose not to insure either group if our risk outweighs the profits. In our evaluation the risk, anticipated cost, and cost-effectiveness are different for both plans. We did not choose Castor Standard because for one it did not cover preexisting condition. The premium is within payment range enrollees can pay and our profits would be higher. The cost associated with Castor Collins providing services to Constructit does not include any copayment the enrollee has to pay. For example for inpatient hospital services for Standard the enrollee pays $114 where in Enhance they pay $144. For emergency physician or hospital care Standard is $310 where Enhances is $388. For outpatient services like physician visits the in Standard the enrollee would pay $56 and in the Enhanced he or she would pay $70. If the enrollee was to need outpatient surgery for standard he or she would pay $305 where with enhanced the cost is $381. Here is the expected utilization of services when Castor Standard or Castor Enhanced is provided to Constructit. On average utilization of the services in the population of color scheme are for the age group of 26 through 45. Inpatient hospital services are 3% for standard and 4% for enhanced with the annual average is 6% for standard and 8% for enhanced with the surgical benefits the same. For emergences the expected utilization is 6% and the annual average is the same for standard whereas for enhanced the expected utilization is still 6% however the annual average is 8% for inpatient services. In standard most of the expected utilization is anywhere from 3% to 10% whereas the annual average is 6% for standard. Outpatient services the expected utilization is anywhere from 3% to 10% and the average annually is 6%. For enhanced the expected utilization norm is 4 to 9% and with enhanced the norm is 6% for standard and enhanced is anywhere from 4 to 12%. Plan Choice For Constructit we decided to go with Castor Enhanced so we could modify it so we were able to stay within the $4000 premium prices range. Even though the copay to the enrollee is higher the benefits are revenue for us is higher. We were able to keep the premium below $4,000; the premium is $3,943 making our profit a $3. 94 million and only eliminated obesity treatment. To keep cost and risk low we decided not to include Obesity treatment. To include this service the premium would have exceeded what the enrollees would be able to pay. All other services are intact. Castor Collins earning is high and is adequate to cover the risk insuring Constructit. Services such as substances abuse treatment the expected utilization is low. Even with Castor Enhanced Minor covering preexisting medical conditions, the risk are low and the earnings could be high. Copays for services such as preventative services, diagnostic services, and chiropractic care are at 8% rate. Conclusion Our task was to evaluate the company’s demographics and develop an adequate health care plan that suits Constructit. With Castor Enhanced the premiums are below $4,000 which them enrollee can pay and still have comparable health coverage that cover preexisting medical conditions. Utilization annual average is mostly 8%. Copays are higher but the benefits are higher as well. This was a difficult task but I believe we did what was expected of us in supplying health coverage for Constructit. How to cite Economic Issues Simulation Paper, Papers

The Effects of Immigration on Poverty in Canada free essay sample

This is a research proposal that was done to look at the effects of poverty on immigration in Canada. The proposal attempts to answer the question: Why are Canadas immigrants more likely to end up in poverty than native-born Canadians. We will write a custom essay sample on The Effects of Immigration on Poverty in Canada or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This is a research proposal that was done to look at the effects of poverty on immigration in Canada. In Canada, immigrants are more likely to live under the poverty line than native Canadian-born citizens. The proposal attempts to answer the question: Why are Canada?s immigrants more likely to end up in poverty than native-born Canadians. It is a qualitative proposal, which includes a literature review. The author discusses census data and utilizes interview questions and answers. The proposal was written in first person narrative, and is 13 pages long, including bibliography as well as a potential newspaper ad for gathering applicants to the study. This study will hopefully show why it is that immigrants to Canada , at least those who arrived since 1981, are more likely to live in poverty than native-born Canadians. It will attempt to find possible solutions to prevent this from happening to future immigrant populations, whether the problem lies in the hands of the immigration system, or if it has to do with something else. Optimistically, my study will also serve to educate the public and policy makers to adopt different views on immigration and immigrants than the ones currently harbored by many. In my opinion, education of the public and lawmakers will prove crucial after the findings to start finding ways to make some changes to get these people out of poverty, which would benefit everyone.