Slavery Before the Trans-Atlantic Slave Trade Essay Example for Free

Slavery Before the Trans-Atlantic Slave Trade Essay What is the difference between slavery prior to the 14th century with that of slavery after the 15th century? Slavery existed long before the original slaves came to America. In fact, slavery prior to the 14th century differed greatly from slavery after the 15th century. Slavery was essential to many economic and social structures. For example, ancient Greece and Rome had many slaves. They differed from the form of slavery after the 15th century, though, due to the background of their slaves. Slavery was not necessarily racial or ethnic in origin prior to 15th century slavery. It was often captured enemies of war from many different places. However, when the Trans-Atlantic trade began, the majority of the slaves were African. Another difference is that the Africans were treated as objects, whereas prior to the 14th century, they were not legally the same as objects. Another difference is the jobs that they occupied. For example, the majority of the Athenian slaves were domestic servants, but the majority of African Americans had brutal and tedious jobs such working in fields all day. Slaves were also used to enforce religions, such as Islam. The Ottoman Empire forcibly converted approximately one million non-Muslims. However, the main purpose of Africans in the Americas was primarily as a work force. A significant difference was that of the Aztec slavery. For them, slavery was not considered hereditary. Therefore, a slave’s child was free. After the 15th century, a slave’s child was still considered a slave: it was hereditary. Slave trade was different before the Trans-Atlantic Slave Trade began.

Grendel and the Importance of Human Values :: Grendel Essays

Grendel and the Importance of Human Values In Grendel, by John Gardner, there is considerable disquietude, but there are also moments of pleasure as well. The cause of these contrasting feelings is most often Grendel himself. As he changes from a purposeful and almost kind creature to a very cruel monster that scorns hope, we find ourselves feeling both pleased and upset at different times. In this element, though, lies a much greater purpose than simply good literature - it helps the reader understand the importance of human values. Pleasure in the book comes mainly in realizing how much Grendel acts like a human, and how much more rational he is than one would expect for a cruel monster. After seeing the deer in the beginning of the novel, Grendel points out why he kills cows instead of deer: they have more meat and are easier to catch. Although it's not necessarily a pleasant thought, it's somewhat comforting to know that Grendel appears to kill for the practical benefits (food) and not simply for the sake of killing. This is no worse than we might do. He seems especially human-like when he listens to the Shaper's song. Crying, he says that he was "filled with sorrow and tenderness" (44) and that he was "torn apart by poetry" (44). Another moment of pleasure comes as he is talking to the dragon and expresses a sort of hope and purpose. In defending his resolve not to scare humans so much just for fun, Grendel says, "Why shouldn't one change one's ways, improve one's character?" (72). In all the dragon's insist ence that everything is worth nothing, Grendel refuses to believe him. He even says, "Nevertheless, something will come of all this" (74). His hope makes the readers think all the better of him. Even if, at first, Grendel seems almost kind, and the reader is pleased with his character, he soon becomes more and more evil, and his actions bring about a feeling of uneasiness, to say the least. Before, the killing of people for no apparent reason disgusted Grendel. However, when he brings Unferth home, he kills the two guards "so I wouldn't be misunderstood" (90). Later, in probably the most disturbing scene of the book, we see how meaningless killing has become to Grendel. He brutally attacks the queen and is determined to kill her.

Credit card Essay

1.0 Background of credit cards The general-purpose credit card was born in 1966 by the Bank of America. Today, Master card and Visa are the well-known international credit card companies in Europe and their cards are accepted in more than 24 million outlets worldwide. Credit cards work to make attractive revenues to credit card companies, banks and retail sales. Nowadays, credit cards have such high interest that they are no longer attractive to purchases the unnecessary items. Credit cards are primarily seems to be used on important events to avoid indebtedness. The used of credit cards started up with individual firms, like oil companies as well as hotel chains, began to issue them to their customers. At first, these cards were just involves between the merchants who offer these cards to their customers and it had been proved to be a major way of ensuring customer loyalty. Later on, the companies began to accept each other’s cards to expand the uses of credit cards. The first bank issued credit card was the Charge-it, which came up in 1946. The card was introduced by John Biggins and was issued by the Flatbush National Bank of Brooklyn in New York. In this, the merchants could deposit the sales slips into the bank and it would in turn get it from the customers. Then, in 1950s, the Diners Club credit card was issued. The card was invented by Frank McNamara, who was the founder of Diner’s Club. MasterCard was then been introduced in 1959, these cardholders no longer had to make the full payment on or before the due date, it gave customers greater flexibility in managing their money. In Australia, the first credit card was issued in 1974. It is known as a Bankcard, was a shared brand credit card and was issued by the Australia financial institutions, and functioned only in limited locations such as Australia, New Zealand, and the Cook Islands. The card soon caught the fancy of the entire region and dominated the credit card market in Australia, during the late 1980’s. A report shows that Bankcards were applied by around 2.3million users in Australia and accepted by 350,000 establishments in 2004. Besides that, the earlier cards were made from metal coins, plates, as well as celluloid, fiber and paper. These days however they are mostly made of plastic.  The usefulness of credit cards and charge cards is actually similar but the only different is the credit balances due date and the amount have to be pay. A charge card is actually a type of credit card that require you to pay your total balance in full at the end of each billing cycle instead of making payment on the lowest limit of the total balances. The cardholders won’t pay any interest on a charge card balance because they are not allowed to carry a balance beyond the due date. However, they’ll face a late fee if their full balance didn’t paid by the due date, the late fee could be a flat fee or a percentage of their balance. A charge card is typically issued by one company these days, America Express such as Amex’ Zync, Green, Gold, and Platinum cards. A credit card, on the other hand, allows you to have a revolving balance that you can pay off over a period of time. Credit cards also have a late fee that’s charged when the cardholders didn’t make their minimum payment by the due date. So nowadays, people are preferred to use credit cards more than charge cards because of the due date and the amount that must pay on due date. However, credit cards may cause more terrible debts than the charge cards. 2.0 Related information 2.1 Types of credit cards There’s two types of credit cards which are variable payment cards (VPC) and fixed repayment card. The VPC is a credit card which allows users to make purchases of variable sizes but limited to the credit limit imposed by the company. The fixed repayment cards allow users access to one month’s credit but with settlement of a minimum payment, say, 15% of the balance. 2.2 Advantages of credit cards and charge cards 2.2.1 Provide a means of obtaining credit The financial institutions which provides credit cards and charge cards products is actually issue credit or loan to the cardholders because when the customers spend money by using credit cards or charge cards, they can enjoy the goods and services first before they really have to pay for it,  which means that they can buy the goods and services by credit but not cash. Although credit means that owe to the financial institution but as long as customers able to pay before the due date, it is a very convenience way to shopping with the credit cards and charge cards. 2.2.2 Interest free credit is given from a week to 4 weeks Financial institutions actually didn’t charge interest on credit to the credit card holders and charge card holders during the first 4 weeks after they spend on it, so customers may spend as much as they want within their credit card or charge card’s limit without making any burden to themselves. But the most important is they have to remember to pay the credit within the first 4 weeks, or else interest on credit will be charge by the financial institution. 2.2.3 Easier to use as payment than cheques Credit cards and charge cards are easier to use as payment than cheques because they are just a small and flat plastic cards which can easily keep in wallet compared to the cheques that need to bring along the cheque book to make payment. Cheque book is very inconvenience to bring along especially without bringing a bag, it have to be hold on hand and it can be dirty, folded and wet easily, once its messy, most probably it will be return by the financial institution after make payment by cheques. Credit cards and charge cards can be dirty too but it can be wiped by tissue or cloth easily and even if its wet also not a problem to continue use it to make payment. 2.2.4 Cardholders can also withdraw cash over the counter or from an ATM Credit cards and charge cards not only can be function on the credit card machine such as MBF machine, it also can be use to withdraw cash over the counter in the financial institution or from an ATM. Although the financial institution will charge the cardholders on withdraw cash by using the credit cards or charge cards, but when the cardholders need cash for emergency case especially during midnight, it can be easily withdraw cash from an ATM. 2.2.5 Global acceptance Cardholders can enjoy goods and services by using credit cards and charge  cards in any countries because it is acceptable in global. It will be very convenience especially during travel or a business trip, cardholders don’t have to look for foreign currency exchange, all they need is just a credit card or charge card will do. Even when they really need cash at overseas, they can withdraw cash through an ATM or over the counter, so they don’t have to scare any robbery when they take out their cash in an unfamiliar countries. 2.2.6 Easy bill payments and earn reward points Cardholders are able to make their bill payments through online banking savings account, by cash or cheque at the financial institution branches, standing instruction and Cash Deposit Machines ( CDM ) or Cheque Deposit Machines ( QDM ) easily. They just have to pay it monthly and when they spent money using the credit cards and charge cards, they will earn reward points which can be used to redeem gifts from the financial institution. So some people might think that if they spent money by cash or cheque, they get nothing extra like the reward points but if they spent money by using credit cards or charge cards they might get extra gifts, it will be more worth than spending by cash or cheque. 2.2.7 Discount on other cooperate stores Some stores will cooperate with the financial institutions, so they will give discount to the specific financial institution’s cardholders when they spend on their stores by using their credit cards or charge cards, this will encourage the cardholders to spend more on their stores to get more discount. For example, Hong Leong Bank provides GSC-Hong Leong Credit Card, the ultimate movie card. The cardholders can enjoy 50% discounts up to RM100, subsequently up to 10% discounts on movie tickets purchase at all of the GSC outlets. 2.2.8 Provide 0% interest installment plan Some of the financial institution will provide 0% interest installment plan which the cardholders can purchase from those specific stores. For example, HSBC bank provide 0% interest installment plan for their credit card holders to purchase goods and services from a lot of shops such as Canon, Gintell, SASA Cosmetic and so on. That means the cardholders who don’t have enough budget also can enjoy the goods and services through the interest free installment plan without any guarantor needed. 2.3 Requirements to apply  credit cards and charge cards There are several requirements to apply credit cards and charge cards which are minimum age, minimum annual income and latest salary slips or relevant documents. At least 18 years old and above for the supplementary and between 21 to 65 years old for principal to apply credit cards and charge cards, this is required by every financial institutions in Malaysia. For the minimum annual income, it depends on financial institutions, they have different requirements on different types of cards. For example, CIMB required RM 24,000 per annum to apply the classic card, RM 30,000 per annum to apply the gold card and RM 60,000 per annum to apply the platinum card. For the charge cards, Maybank provides three types of charge cards only. The American Express Personal Card required RM 30,000 per annum, American Express Gold Card required RM 48,000 and The Platinum Card required RM 190,000 per annum to apply it. 3.0 Current issues of product 3.1 Addicted in using credit cards and charge cards will lead to debt disaster Most of the cardholders will become addicted in spending by using credit cards and charge cards because of at the moment they use the cards they actually don’t have to pay for what they purchases, at least they get to enjoy first before they really need to pay for it. Besides that, purchases with cards and cash have the different feeling, purchases with cash will be not willing to pay for it due to consumers have a clear picture that their cash is really flowing out from their pocket while purchases with cards won’t really feel about that because when you’re not looking at your money flowing out, you won’t feel that it’s actually already been spent by credit. So, this kind of bad habit will make cardholders overspend without realize especially to the shopaholics, therefore it will lead to financial difficulties. There’s still a lot of Malaysian suffering from the credit cards’ debts, some of them just able to pay the lowest limit of th eir debts every month due to the high interest rate charged, it is quite similar to loan sharks as they just able to pay back the interest of credits every month and became a burden which they unable to bear. 3.2 High interest rate of credits Most of the financial institutions in Malaysia offered tiered interest as per Bank Negara Malaysia credit card interest rate structure. The tiered interest rate structure rewards those cardholders who willing to pay their credit card bills in time. For those who pay credit card bills in time for every month in a year will only be charged 13.5% per annum for the interest rate, those who pay credit card bills in time for at least 10 months in a year will be charged higher interest rate than pay in every month which are 16% per annum, while those who pay credit card bills in time for less than 9 months in a year will be punished on the interest rate charged with 17.5% per annum which are the highest interest rate charged in Malaysia. So, for those who pay every month consecutively for a year will get to enjoy a lower interest rate on the 13th month compared to those who didn’t pay the bills every month consecutively for a year. However, some financial institutions offer a lower interest rate. For example, Affin Bank credit card offer 9.99% per annum on the interest rate of credit card bills and AMEX gold credit card is only 9% per annum. So, cardholders will have to choose wisely before they apply the credit cards. Normally financial institutions only require cardholders to pay the lowest limit every month which is 5% or RM50 depends on whichever higher of the total outstanding balance of their credit card bills. But they will have to take a long time to clear all the outstanding balance without any new spending if they only make lowest limit payment. Apart from the high interest rate, cardholders are also subjected to finance charges which will be imposed from the day the transaction is posted to the card account if they just make partial payment or less than that on or before the payment due date. Cardholders will have to make full payments every month consecutively to avoid the finance charges and also get to enjoy the interest free credit for retail transactions for 20 days on retail transactions but it’s not including the cash advance, balance transfer and installment payment plan programs. Even the cardholders didn’t make payment on or before the due date, they also subjected to late payment charges minimum of RM5 or 1% of total outstanding balance, whichever is higher, and  it will be up to RM50. 3.3 Declared bankrupt due to credit card debts There are 41 of the Malaysian declared bankrupt every day on average and most of the reason is because of the credit card debts. The Federation of Malaysian Consumers Associations ( FOMCA ) had discovered that most of those who declared bankrupt due to credit card debts were below 40 years old because of their poor financial management, they didn’t think wisely on what they’ve spent and don’t care about the consequences they need to face for the rest of their life. It is very tough to face financial difficulties too early in life and they are actually not mature enough to manage on their financial. For those cardholders who always overspend and unable to make full payment on the credit card bills, the outstanding balances will still remaining and it will become more and more expensive due to the high interest rate charged by the issuers. Usually most of the credit card debts are from the moderate income group because the financial institution only issue credit cards to those who earn at least RM 24,000 per annum, so if they didn’t settle the full payment every month, they will have to suffer from the high interest rate charged and unable to settle the credit card bills easily especially for those who owned more than one credit cards unless they stop spending by using the credit cards and they will need around 2 years to settle the outstanding balances. 3.4 Insecure in using credit cards and charge cards Nowadays there are many cases on the fraud of credit cards due to the technological advances such as exists of hackers, insecure websites during payment and so on. Some of the consumers rather use cash instead of credit cards if they lack of information on credit cards protection. The fraudsters are always creative on thinking a new way to steal the information of the cardholders. The credit card phone activation scam is to cheat the owner of the cardholders’ in order to ask them call a number to activate their new credit cards from their own home number, after the card is activated, the card can be used fraudulently. Just a phone call and the legitimate credit card owner will become a pitiful victim that have to pay the amount from spending that doesn’t recognize which may lead the victim to bankrupt. Some of the credit card scammers might steal or trick the cardholders to tell them the security code and then make purchases over the internet or the telephone. Once they know the credit card’s PIN, they could get cash advances from any of the ATM using a duplicated credit card where the legitimate cardholders’ details have been copied into the magnetic strip of another card. The most popular credit card fraud is use credit card numbers to online purchases in unknown websites which we not sure whether it is a secure website or not. Most of the cardholders didn’t check the safety of making payment with their credit card numbers during online purchases, it is a very dangerous case that will loss a large amount for the careless consequences. In addition, fraudsters also targeting the cardholders through email links and attachments. Once they click on the links or open the attachments they reveal themselves to computer viruses that can detect their keystrokes when they log on to their accounts. 3.5 Teenagers struggle to get control of credit card debt Recent laws designed to prevent young adults from running into credit card debt, it seems teenagers haven’t been doing enough on their own to find debt relief. Parents who want their teenagers to learn to use credit responsibly and effectively often try to train them by giving them a credit card of their own, co-signed by one of the parent and for only a low credit limit. Most teenagers still, however, struggle with some aspects of credit card management, including paying them on time. Few of the teenagers know how to properly manage their accounts, but most of them failed to do so. According to a study entitled Financial Literacy and Credit Cards: A Multi Campus Survey, published in the International Journal of Business and Social Science, about 36 percent of teenagers have two or more credit cards in their name. The report said, just 9.4 percent of those polled said they pay their balances off in full at the end of every month and very few actually knew the cost of their acc ount. Only 14.6 percent of them knew the interest rate on their card, while 24.3 percent and 29.2 percent claimed knowledge of their late payment and over-balance penalty fees, respectively. Altogether,  only about 10 percent said they knew all three. They pay little attention to interest rates, terms, and card features. The card they choose may set them up for failure right from the start. In addition, many young people are not adequately educated about credit cards and debt. They may know that you have to pay the money back, but they may not be prepared to understand the effect of high interest rates, minimum payments and the devastating effect that late payments can cause. And when most young people have relatively low-paying or part-time jobs, it can become difficult to keep up with credit card payments. There are some reasons teenagers struggle with credit cards. The first reason is teenagers don’t make enough money. Teenagers often have a very narrow scope of the world and of financial matters in particular. For example, they often simply don’t see that they won’t be able to pay off the expensive new sound system for their car on their Rm150 a week part time job. They also get sucked in by the minimum payment offer and don’t really consider how much interest they will be paying in the longer term. Besides that, teenagers believe that their parents will rescue them. Teenagers may not admit it, but they need their parents to get them out of trouble. Often, these young adults will spend their credit card limit foolishly because they believe that if they really can’t pay it their parents will step in and rescue them, as most parents lend a helping hand when their child is in trouble. Also, they may believe that their parents will fix their damaged credit history if they end up with a poor credit score later. 4.0 Recommendations / Suggestions / Opinions 4.1 The ways of using credit cards and charge cards intelligently 4.1.1 Choose wisely When selecting a credit card, be aware of all of the interest rate and repayment options. Compare different cards based on your needs and your ability to pay all purchases in full. There are several things that need to be consider wisely which are a low annual percentage rate (APR), which will reduce the interest you have to repay, the interest calculation method which can change how much interest you pay, low or no annual fees, which issuers might charge, all other charges such as late payment fees, transaction fees, over the limit fees and others which can add to the total cost of your charges, credit limits for cardholders should be low, and the services and  features such as cash rebates, frequent flyer miles, extended warranties, convenience checks. 4.1.2 Don’t spend more than you can afford to pay on a monthly basis You can make wise decisions about purchasing items you need versus those you simply want. We’ve all used the word â€Å"need† to describe something we really just wanted badly. Using your credit card responsibly and recognize which things you really need and which you just want. Responsible use of your credit cards will help you establish a solid credit rating and avoid financial problems. 4.1.3 Keep track of your spending It is important to monitor more often than once per month when you receive your statement of credit cards. You should check your account online frequently, save receipts and keep accurate records, consider signing up for balance notices and billing statement notifications from your credit card provider. 4.1.4 Keep an accurate record of the following in case your card is lost or stolen Keep the important informations in a secure and safe place at home such as account number, issuer’s name, phone number, and photo copy of the front and back of the card. 4.1.5 Don’t apply for credit that you don’t need Although your first few credit card accounts build and improve your credit score, there’s a point when acquiring more will reduce your score. Where that point is, no one knows, but generally, two or three cards are all you need. You should say â€Å"no, thanks† when the cashier offers 10% off your purchase in exchange for filling out the store’s credit application. In my opinion, store credit cards aren’t necessary and the interest rates are horrendous, unless there’s some overriding benefit that will offset the ding in your credit- like getting Rm500 off a Rm2000 refrigerator. 4.2 The ways to reduce credit card debts 4.2.1 Hide your credit cards The first step is to hide your credit cards in a place where you could access them in an absolute emergency, but that they’d be very difficult to find. For example, put them in a little box way in the back up in the attic, freeze them in a big chunk of ice, or hide them in the back of the cupboard at your mother’s house. Make sure it’s somewhere where you can’t easily  access them. Then, go to every online account where you use a credit card regularly and delete your credit card numbers there. For example, Amazon, PayPal, and World of War craft. Make sure that you’re not forgetting anything. If you absolutely must retain a service, use a debit card number instead of a credit card number. Why should you do this? Your credit card balances need to go down, but not up and the biggest step in doing that is to break yourself of the habit of using them without a connection to the real money you’re spending. That means going back to using cash, che cks, and debit cards. If you don’t actually have the money, you’re not spending it. 4.2.2 Write a budget plan To start reducing your credit card you need to work out where you’ve been going wrong and ensure you do not continue to mount up further debt. You can start by writing down a list of all your monthly incomings such as wages, dividends from shares or interest from savings and so on. Following this, write a list of all your regular outgoings such as mortgage or rent payments, personal loans, council rates, utility, phone and internet bills, fuel and vehicle maintenance, insurance, health and groceries. Besides that, don’t forget to you include other aspects of your life such as entertainment, eating out and clothes shopping. Once you have these figures you can calculate your monthly cash flow by adding up your total incomings and subtracting your total outgoings. Hopefully your incomings will exceed your outgoings leaving you with positive monthly cash flow. However, if you find your outgoings exceed your incomings you have negative cash flow and are pushing yourself furt her into debt each month. Next, search through your expenses for areas where you could cut back. Maybe you are eating out too often or treating yourself to more new clothes or shoes than you really need. You need some nice treats to look forward to but make a budget for non-essentials and entertainment and stick to it. You can then use the spare cash flow each month towards paying off your debts. 4.2.3 Figure out what you owe and what the interest rates are The next step is to dig out the most recent statements for all of your credit card bills and determine exactly how much you owe and what the interest rates on each of the bills is. This information should be easily found on your most recent statement, but if you’re having difficulty finding the information, call up your credit card  provider and get that information. You should be making a list of all of these: credit card name/type, current balance, and interest rate. This helps when you develop a plan, you can use this master list to figure out which credit card to pay first. 4.2.4 For teenagers’ problem, it’s still up to the parent If parents want their children to have good spending habits and resist the temptation that can come with having a credit card, it’s up to parents to educate them. Teenagers need to know the benefits of having a card and the devastating consequences that can come from misuse. As parents, they need to sit down with their sons or daughters before they head off on their own. Discuss the reasons why it’s important to have a credit card and credit history. Also, parents should help teenagers find a good credit card so they don’t end up signing up for the first one they come across. Once teenagers obtain a card, make a purchase and walk them through the process of making the monthly payment. Either by check or electronically so they know what to expect and are familiar with the process. Finally, go over the ground rules. Parents should explain exactly what the credit card should be used for and who is responsible for the payments. If parents take the time to educate tee nagers at a young age so they can establish credit in a responsible manner, they will be in a position to hit the ground running with a solid credit history and have established sound financial habits going forward. 4.3 The ways to solve unsecured credit cards Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge. It’s not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility. The best way to deal with credit card fraud is to avoid the crime altogether. Internet commerce is one of the most common places where credit card fraud occurs. Do research on the site and only give out your credit card if the transaction is secure and the vendor is reputable. To verify a site is secure, before using, check out the â€Å"security  or encryption† software used to see if is reliable. If you are unsure of a vendor, look for a physical address and be wary of temporary addresses, such as PO box es. Cardholder has to be cautious when responding to special, unsolicited email offers and to avoid overseas vendors. Besides that, by keeping a list of all your credit cards and account information will help you to avoid uncertain problems. If you notice anything suspicious, refer to your handy list, and call the authorities immediately. To prevent credit card and charge card fraud, don’t lend your card to anyone or leave it lying around. When you sign a receipt, draw a line through any blank spaces above the total. Write your account number on a postcard or the outside of an envelope. Give out your account number over the phone unless you’re making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau. 5.0 Conclusion As a conclusion, we can know more related information about credit cards and charge cards. By using credit card can make consumers more convenient yet troublesome. All are stated in advantages and disadvantages of credit cards and charge card’s part. Besides that , we have found out some current issue about credit card and charge card such as article about high interest rate of credit card, debt disaster and bankruptcy all these related articles. To solve these current issues and problems of credit card and charge card, we have recommended some ways such as how to use credit card intelligently, ways to solve unsecure credit card and ways to reduce credit card debts. Therefore, we should use credit card wisely to prevent the misuse and overuse of credit card. 6.0 References Internet The New York Times Company. ( 2012 ). The Difference Between Charge Card and Credit Card. Retrieved from http://credit.about.com/od/creditcardbasics/a/Charge-Card-vs-Credit-Card.htm. Maybank. ( 2011 ). Identity Theft. Retrieved from http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=CRD-Cards&cntTypeId=0&cntKey=CRD08.12&programId=CRD08-Utilities&chCatId=/mbb/Personal/CRD-Cards. Maybank. ( 2011 ). American Express Personal Card. Retrieved from http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=CRD-Cards&cntTypeId=0&cntKey=CRD02.01&programId=CRD02-ChargeCards&chCatId=/mbb/Personal/CRD-Cards. CIMB Group. ( 2012 ). CIMB Bank Credit Card. Retrieved from http://www.cimbbank.com.my/index.php?ch=cb_per_ca&pg=cb_per_ca_prod&ac=2&tpt=cimb_bank#. HSBC Bank Malaysia Berhad. ( 2012 ). 0% Interest Installment Plan. Retrieved from http://www.hsbc.com.my/1/2/personal-banking/credit-cards/smart-privileges/0-installment-plan/household-and-furniture. Hong Leong Bank Berhad. GSC-Hong Leong Gold & Platinum Credit Card. Retrieved from http://www.hlb.com.my/pfs/cc/ccgsc_fb.jsp?flag=ccgsc. Golden Screen Cinemas. ( 2012 ). GSC-Hong Leong Credit Card – The Ultimate Movie Card. Retrieved from http://www.gsc.com.my/gsceonbankcard/Default.aspx. Lawyerment.com. ( 2012 ). Shocking reasons why Malaysians are living beyond their means. Retrieved September 22, 2011 from http://www.lawyerment.com.my/boards/article-Malaysia_Business_Consumer_Bankruptcy_Law-1650.htm?Page=20. 1-million-dollar-blog.com. ( 2012 ). Credit Card Interest Rate, Charges & Debt Calculator. Retrieved January 18, 2011 from http://1-million-dollar-blog.com/credit-card-interest-rate-charges-debt-calculator/. The New York Times Company. ( 2012 ). Credit Card Fraud – Credit Card Phone Activation Scam. Retrieved from http://banking.about.com/od/securityandsafety/a/creditcardfraud.htm. Free Malaysia Today – Free and Independent. ( 2012 ). Nearly 50% of credit card holders gone bankrupt under 30. Retrieved from http://archive.freemalaysiatoday.com/fmt-english/news/general/3216-nearly-50-of-credit-card-holders-gone-bankrupt-under-30. Debtmerica, LLC. ( 2012 ). College kids struggle to ge t control of credit card debt. Retrieved from http://debtmerica.com/industry-news/11-credit-cards/1171-college-kids-struggle-to-get-control-of-credit-card-debt. Debtmerica, LLC ( 2012 ). Consumers doing a better job making payments on time. Retrieved from http://debtmerica.com/industry-news/11-credit-cards/1168-consumers-doing-a-be

What Is A Family Essay - 760 Words

For most of us, the family is considered as a well-known and comfortable institution. The perfect model of the ‘ideal’ family is still mostly considered to be consisted from two different sexes’ parents, and one or more children. Until quite recently, the sociology of the family was mostly functionalist and just in the last few decades has been challenged from various directions. There are many different definitions about what the family is. Different theoretical positions influence these variations. For example, the functionalist sociologist George Peter Murdock defines the family as â€Å"a social group characterized by common residence, economic co-operation and reproduction. It includes adults of both sexes, at least two of whom maintain†¦show more content†¦An early functionalist George Murdock argued that the family plays the main role in the society by performing three main functions- ï  ¶ Stabilisation of the sexual behaviour and reproduction. ï  ¶ Providing the basic economic requirements. ï  ¶ Serving the function of socialisation of the next generation. G. Murdock claimed that without family serving these three functions the society would disappear. He considered these functions as universal, although he agreed that they could develop. Talcott Parsons argues this statement, by saying, that there are two broad functions of the family- primary socialisation and stabilisation of the adult personality ‘throughout the emotional security, including sexual expression, provided by marriage’ (ODonnell, 1997). In these days, when society is changing, the functionalistic statements lose their strength. For example, the sex outside the marriage, in these days of easily available contraception, is no more the taboo. Margaret Mead argues Murdock’s and Parsons imply that nuclear family is biologically necessary and natural. She stated that the nuclear family is based on culture, not biology. Marxist views on the family Marxists have very critical view of the family and society. They adopt a structural perspective, but put it in the class nature of the society. The starting point for the most Marxist analyses of gender and the family is Friedrich Engels’ (1820-1895) The Origin of theShow MoreRelatedWhat is a family?1206 Words   |  5 PagesWhat is a family? Most people get confused about the definition of family. A family is having a close relationship to a group of people and they do not have to be blood related. That group of people should share respect, love, and loyalty. Usually a family is consisting of a father, mother, and siblings. However, mine is grandparents, parents, and siblings. Families are important because they give love and security. For example, I always feel loved when I am with my family, and secured or protectedRead Morewhat is family1210 Words   |  5 Pages What is Family? Family has so many different meanings to every individual who has answers this question. Trying to find a general definition for this term is impossible. Everyone has a different concept of what a family is, what I would consider my family is far more stretch than a typical American family. Coming from a Latin culture my family’s considered grandparents, parents, aunts, uncles, friends and down to theRead MoreWhat Is A Family?1845 Words   |  8 PagesWhat is a Family? The basic social unit in a community is family; it contains parents and their children, considered as a group, whether residing together or not. A family may contain an husband, spouse, brother and sister, parent and son and daughter. In the extended families more members like grandparent, uncle, aunt, cousin, niece and nephew or sibling-in-law can be there. In the most societies the principal unit of socialization of children is a family. A family is a group of people which careRead MoreWhat Makes A Family?796 Words   |  4 PagesAs a leader, I have five core values that matter most to me; having a family, maintaining order(tranquility), meaningful work, growth, and truth. I strongly believe in each one of these components. Having a family is so important because they are a main support system. Family doesn’t have to be someone who is blood related. Family can be anyone who you feel means a lot to you and supports you. Maintaining order(tranquility) is important because in the work place, you need to have organization ofRead MoreWhat Is A Family? Essay822 Words   |  4 PagesThe family is far different from that of the past. It is rare to find a traditional family with a stay at home mom. Today, many children grow up in a single parent environment, with mothers who work most of the time to support them. Many children will also grow up without a father figure. In the article† Absent Fathers: Why Don’t We Ever Talk about the Unmarried Man?† Rebecca Blank states, â€Å"For every single mother, there is a father who is not living with his children. It seems that people haveRead MoreWhat Is A Family? Essay955 Words   |  4 PagesThe word â€Å"family† is unique, special, and controversial among different cultures and ethnicities. As defined by Random House Western Dictionary, a family is â€Å"any group of persons closely related by blood, as parents, children, uncles, aunts, and cousins† (Dictionary.com). Although the definition from Random House follows the infamous proverb of, â€Å"blood is thicker than water,† my definition of family does not. Family is not defined or restricted by blood relations. In my mind, a family is simplyRead MoreWhat Is Extended Family815 Words   |  4 PagesFamily a group consisting of one or two parents and their children: extended family noun 1. A family group that consists of parents, children, and other close relatives, generally, it’s A group of relatives, such as those of three generations often living in close geographic proximity rather than under the same roof. People living together as an extended family occasionally feel a greater security and belonging. This is an advantage of extended type of family because this family containsRead MoreAnalysis Of The Article What Is A Family? 1711 Words   |  7 Pages ENG 201 Families are changing in various ways. In the articles â€Å"What is a Family?†, â€Å"Absent Fathers: Why Don’t We Ever Talk About Unmarried Men?†, â€Å"Cohabitation Instead of Marriage†, â€Å"Ballad of a Single Mother† and â€Å"Children of Gay Fathers†, they all share and show different ways families are like worldwide today. They speak about how they feel about there relationships with there family and children and who they are as a person. The new American family unit brings with it many strugglesRead MoreWhat Makes A Happy Family?1237 Words   |  5 Pages What Constitutes a Happy Family? Damaris Tirado Keiser University Abstract Many people have a concept of what a happy family is. A family can be composed of two, three or more members. Family constitutes the most fundamental part of communities. Conflicts, lack of communication are big stressors. There is no question that broken family ties deteriorates household relationships. Nonetheless, there are many families that are still strong and thriving. What is it that makes a household happyRead MoreWhat Is The Family And Childrens Agency1758 Words   |  8 PagesAgency Description The Family and Children’s Agency (FCA) has many locations all over Fairfield County. One local agency office is located at 9 Mott Avenue, Norwalk CT on the fourth floor. The FCA is an non-profit organization that provides child and family development counseling, behavioral health counseling, community connections, foster care, adoption services, and family support. Jennifer McBride is one of the many devoted employees who is a LCSW and works as a Behavioral Health Clinical supervisor

Essay On Workplace Violence - 1139 Words

Evaluation Criteria and Means of Measure Successful national policy implementation on healthcare associated workplace violence is achieved through broad culture change. As CMS has targeted focus on the Culture of Safety, the timing is ideal to continue to take steps to further this change. As the goals of a healthcare related workplace violence policy include: a reduction in workplace violence; a system to track and trend high-risk and/or repeat offenders; and an expansion of resources available to victims, the evaluation criteria would draw from the success of the goals. The difficulty in this culture shift is the lack of direct measurability. The component of decreased healthcare workplace violence may be the easiest criteria to†¦show more content†¦Although flawed, this means of statistical recording is clear point of measure when the time comes to evaluate the efficacy of the policy. Tracking and flagging of repeat offenders is likely an element that will be the task of individual facilities, which could then be rolled over into a national number. This standard would be achieved and measured in much the same way the existing OSHA reportable employee injuries are trended. Currently, OSHA has a national submission window in which facilities submit how many employees were employed for the year, how many hours were worked total, and how many injury events occurred. Ideally, the healthcare anti-violence policy would trend the number of reportable violent events year-over-year in the same fashion, and the efficacy of the policy requirements would be easy to evaluate, based on those reported numbers. As to the evaluation of the increased employee resources as a policy goal would require a baseline assessment from facilities (likely in the form of a survey), followed by a repeat assessment in a given amount of time. Facilities would be required to improve resource availability and the evaluation would be dependent upon improvement in the employee survey results. If used primarily as an evaluative tool to further employee access to resources, there also exists a secondary benefit for facilities to release the survey results. Overall job satisfaction would likely improve as resources are made availableShow MoreRelated Workplace Violence Essay1030 Words   |  5 PagesWorkplace Violence Workplace violence is a phenomenon that is now widely recognized as a social problem, which impacts all organizations. According to Department of Justice statistics for 1995, 21% of all violent crime occurred while the victim was either at work or traveling to or from work. Workplace Violence accounted for more than two (2) million violent Crimes annually from 1992-1997 (Kaufer 1-2). In this research paper I will provide an overview of workplace violenceRead MoreEssay on Workplace Violence620 Words   |  3 PagesWorkplace Violence Workplace violence can be defined as any action that can threaten the safety of an employee, impact the employees psychological or physical well being, or cause damage to a companys property. Workplace violence is not often talked about, but it does kill people. In the last decade it has become one of the leading causes of deaths in the workplace. The UniversityRead MoreEssay On Workplace Violence862 Words   |  4 PagesWorkplace violence is violence or the threat of violence against people who work in a location. (osha.gov) Workplace violence can consist of physical, mental, and verbal abuse. It can happen anywhere. Workplace violence has gone as far as homicide. It can even There has been a lot of workplace violence incidents that have occurred over the years. Every workplace is not safe to work at all. There have been many violent incidences which have took place in the workplace. Suspects of workplace violenceRead MoreEssay on Workplace Violence1670 Words   |  7 PagesAccording to the Bureau of Justice Statistics (BIS), workplace violence affects 1.7 million people each year. The Bureau of Labor Statistics’ Census of Fatal Occupational Injuries (CFOI) reported 11,613 workplace homicide victims between 1992 and 2006. Averaging just under 800 homicides per year, the largest number of homicides in one year occu rred in 1994, while the lowest number occurred in 2006 (CDC). This has become a serious concern and companies now have to take a stand to protect theirRead MoreWorkplace Violence Essay1102 Words   |  5 PagesWorkplace Violence July 21, 2006 was a day just like any other. Elartrice â€Å"Marcell† Ingram reported to work at 8:00 a.m. as usual. His associate in the seafood department reported everything was fine with no evidence of trouble, but by the end of the day Elartrice had stabbed seven coworkers at the Cordova Schnucks in Memphis, TN. He was found guilty by reason of insanity and a little over a year later his doctors testify that he is ready to be released with family supervision. HisRead More Workplace Violence Essay1955 Words   |  8 PagesWorkplace Violence According to the FBI, workplace violence is the number one growing homicide in the United States. There are an estimated 225,000 to 300,000 occurrences of violence each year. Despite the aforementioned statistic, some managers have simply failed to address the issue of workplace violence. Such negligence has not necessarily been purposeful. It has been due to a lack of awareness of the problem coupled with a preoccupation of everyday pressures. Many managers view workplaceRead More Workplace Violence Essay3872 Words   |  16 PagesWorkplace Violence Workplace violence has existed throughout history. However, historical documentation of workplace violence is vague and sometimes non-existent. Documented workplace violence is believed to have existed during the Roman Empire, the Renaissance Era, and it continues today. It seems unfortunate, but as long as a â€Å"society† exists, workplace violence will more than likely exist. Therefore, employers must understand: the history of workplace violence, the effects it hasRead More Workplace Violence Essay4282 Words   |  18 PagesWorkplace Violence According to the National Institute for Occupational Safety and Health (NIOSH), each week, an average of 20 workers are murdered and 18,000 are assaulted at work. Non-fatal assault’s at work result in millions of lost days and cost businesses’ millions of lost workdays. And the most disturbing finding homicide is the leading cause of death for women in the workplace. (http://www.ocpapsych.com/mtart4.htm). As a result, violence in the workplace has received considerable attentionRead More Workplace Violence Essay2488 Words   |  10 PagesWorkplace Violence In January 1997, a man drove into the parking lot of a major company in Baltimore County, pulled out a gun, and aimed it at his girlfriend who was sitting in her car and killed her. The man shot himself. Several days after that, another man in another part of the county, in attempt to commit suicide, drove his vehicle the wall of a business and injured an employee who was sitting at his desk. (National, 1996) There is a general perception that violence is growing in ourRead MoreEssay Workplace Violence in Nursing890 Words   |  4 PagesWorkplace Violence in Nursing Professional Position Paper Nurses continually strive to bring holistic, efficient, and safe care to their patients. However, if the safety and well-being of the nurses are threatened or compromised, it is difficult for nurses to work effectively and efficiently. Therefore, the position of the American Nurses Association (ANA) advocate that every nursing professional have the right to work in a healthy work environment free of abusive behavior such as bullying,

Analysis of William Shakespeare´s Othello - 737 Words

The Tragedy of Othello, a play by William Shakespeare, was written in the early 1600’s. If Othello was written in a different time, 21st century America, the view of people of different genders and races would differ, women would be held to a more equal social standard and the issue of Othello being black, wouldn’t be as prominent when he marries Desdemona. This play was written in a time where it was essential to follow cultural values. During this time women were expected to respect all male figures in their lives no matter how powerful or how old were. This concept is evident in Othello, specifically how Desdemona acts towards her father, and at times towards her husband Othello. Overtime this cultural value of the man being a dominant figure in society has lessened.Today in 2014, a 21st century American woman, is not held to such high expectations. Women are seen as equals to men in many aspects, so it is no longer part of our culture for women to respect men as muc h as they were expected to in the past. In the first act, Desdemona speaking to her father says, â€Å"My noble father, I do perceive here a divided duty: To you I am bound for life and education; My life and education both do learn me How to respect you†¦but heres my husband, And so much duty as my mother showd To you, preferring you before her father, So much I challenge that I may profess Due to the Moor my lord.†(528-530) At this point she goes against the cultural value for a woman to respect the maleShow MoreRelatedAnalysis Of Othello s Othello By William Shakespeare Essay2117 Words   |  9 Pages Racist Ideology As Seen In Othello As a writer, William Shakespeare possessed an uncanny ability to address topics that were, for the most part, unnoticed in society. Every one of his characters feels realistic because they are so complex and based on psychological motivations. When Shakespeare’s Othello was first written, there was undoubtedly a complicated relationship between white English citizens and so called â€Å"foreigners†. However, society’s inability to understand or accept different culturesRead MoreAnalysis Of Shakespeare s Othello, By William Shakespeare1040 Words   |  5 PagesWhen pairs of texts are considered together, their universal themes and ideas lead to greater understanding, appreciation and insight of both the old and the new. The texts Othello, William Shakespeare (1600) and Othello, Geoffrey Sax (2001), ring true for this statement. Despite the differing contexts and ages, the universal themes of racism and betrayal bring new meaning to each of the texts. The primary meaning from the juxtaposition of the two is that of the human condition, and how the problemsRead MoreAnalysis Of William Shakespeare s Othello889 Words   |  4 Pagesthey saw as issues in their respective cultures and societies. William Shakespeare in one of his most famous plays Othello lies out a problem which he thought was pertinent enough for him to deal with directly, that is the problem of race. Othello was a Moor, a man of African descent who was put in a hostile situation by being put in Venice a primarily white society. The role of race in Othello and the kind of language used by Shakespeare throughout the play point towards Othello’s race and how othersRead MoreAnalysis Of William Shakespeare s Othello1603 Words   |  7 PagesMAJOR WORKS REVIEW GENERAL 1. Title - Othello 2. Author - William Shakespeare 3. Date of Original Publication - 1622 4. Novel Type - Play STRUCTURE 1. Point of View - Iago 2. Relationship to meaning: The reader sees things the way that Iago sees them. This gives the reader an inside look on Iago’s evil plans, which also leads to a better understanding of all of the other characters, but Iago especially. The reader sees how Iago manipulates so many of the characters, like Roderigo and MontanoRead MoreAnalysis Of William Shakespeare s Othello 992 Words   |  4 PagesElleana Morrison Professor Connor Shakespeare 340 Midterm Paper, Prompt 5 7 April 2016 A Black Iago Othello is, in the opinion of many, one of Shakespeare’s most prolific plays. It broke the mold by assigning the lead protagonist role to a black man, and the central love story is of that between this older black man and a young white woman. Othello has perhaps the most wicked- and likable- villain in all of Shakespeare’s work. It has love- both fulfilled and unrequited, family conflict, rebellingRead MoreAnalysis Of William Shakespeare s Othello1449 Words   |  6 PagesHow to Survive Your First Relationship William Shakespeare, the Elizabethan poet and playwright, wrote his plays within one of four genres: comedy, tragedy, history, or romance. These genres make his plays very different from one another; however, they all share common characteristics. Shakespeare incorporates a message for his audience to become aware that ultimately teaches a lesson. In Othello, the message Shakespeare portrays to his audience is the importance self-knowledge; which is the abilityRead MoreAnalysis Of William Shakespeare s Othello950 Words   |  4 Pagescharacteristic in a person. Iago appears to demonstrate insane, mad behavior, but a discerning eye reveals otherwise. Iago?s manipulation over people leads to the death of Roderigo, Desdemona, and Othello. In Othello, by William Shakespeare, Iago?s jealousy over not being lieutenant is mistaken for madness and portrayed through irrational behavior. Firstly, Iago poisoned Roderigo?s thoughts to try and win Desdemona over, which in the end brings him to his untimely death. Iago provokes Roderigo to sellRead MoreAnalysis of The Theme of Language in William Shakespeare ´s Othello802 Words   |  3 PagesIn Othello, one of the most interesting enigmas is the relationship between the spoken language and knowledge (or lack their of) which eventually leads to the downfall of Othello. One might contend that Othello’s lack of understanding throughout the play derives itself from the powerful, toxic language of Iago, which poisons the otherwise sound, knowledgeable mind of Othello. One might be comfortable with the idea that language has such a powerful, direct effect on human beings and can be used toRead MoreWilliam Shakespeare s Othello As A Tragic Hero1323 Words   |  6 Pagesown demise. William Shakespeare’s Othello the Moore of Venice is a play about a heroic individual that goes through a tragic event based on h is decisions throughout the play. Many of the characters that Shakespeare presents in his plays reveal attitudes and value that is reflective of both the Elizabethan society in sixteenth century England and William Shakespeare; these values are evident in the context of the Venetian society that Othello takes place in. Through Othello Shakespeare embodies hisRead MoreWilliam Shakespeare s Works Of Shakespeare1126 Words   |  5 Pages Before I start right off in this essay, I believe it s only fair you should know a little back story of the author himself; William Shakespeare. Shakespeare was born April 26, 1564 in Stratford-upon-Avon, which is located in the United Kingdom. Even though his goals were to become an actor, he fell into writing and become one of the most well-known writers in his life. There s a lot of controversy surrounding Shakespeare and there s many people who believe that he, himself did not write his famous

Wealth As Determinant Of Health Health And Social Care Essay Free Essays

string(118) " as it relates to healthcare and healthcare quality disparities, the studies found that inequality in quality exists\." There is a phenomenon in the United States that illustrates how wealth is a cardinal determiner of wellness. Wealth affords those who attain it, certain societal benefits which include entree to high quality instruction, employment, lodging, child care, recreational chances, nutrition, quality medical attention, and safer and cleaner vicinities. In 1985, the U. We will write a custom essay sample on Wealth As Determinant Of Health Health And Social Care Essay or any similar topic only for you Order Now S. Department of Health and Human Services ( HHS ) constructed the Secretary ‘s Task Force Report on Black and Minority Health. The study was more typical than old studies, comparing four minority groups in the United States every bit good as the White population. In add-on, A it utilised aA statisticalA presentation of A † inordinate deceases † instead than the usual decease rates. This attack emphasized the fact that lives that were lost would non hold been lost had minority decease rates been the same as for the White population. These differences were subsequently coined as wellness disparities. As a consequence of the forceful nature of this study and the demand forA integrating of wellness promotion/disease bar schemes into these populations, the Office of Minority Health was established within HHS. Since the origin of the Office of Minority Health research has shown that disparities exist in the population on the footing of both wellness position and wellness attention bringing. These disparities are the consequence of assorted variables. The lexicon of Public Health defines wellness disparities as â€Å" differing degrees of wellness indexs like life anticipation, baby and perinatal mortality rates, that are observed among sections of a population, discernable in the size of the wellness spread between the highest and lowest section of the population, that frequently correlate with economic indexs, educational degree, employment and lodging conditions. † There are differing theoriesA orA premises usedA to explicate why wellness disparities plague certain populations. What both of these theories lack is the causalA mechanism by whichA the disparities occur. The historical context of attending to wellness disparities began with W.E.B. Du Bois. The being of wellness disparities in America was foremost documented in 1906 by W.E.B. Du Bois. Fueled by the averment that Negroes were an inferior race, Du Bois used nose count and disease informations from the late 1800s to document widespread disparities in bosom disease, infant deceases, maternal deceases, TB, and pox. Based on these observations, Du Bois asserted that such wellness disparities had nil to make with lower status and were strongly associated with multiple factors such as poorness, deficiency of instruction, and societal factors. A The taking wellness disparities include: entree to care, quality of wellness or wellness position, cardiovascular disease, malignant neoplastic disease, diabetes, HIV/AIDS, asthma, infant mortality, and mental wellness. Quality of attention in peculiar, has shown to hold significant spreads among populations. As it relates to disparities in quality of attention, the Agency for Healthcare Research and Quality â€Å" Quality wellness attention means making the right thing, at the right clip, in the right manner, for the right people-and holding the best possible consequences. † ( Q ) Quality wellness attention is effectual, safe, seasonably, patient centered, just, and efficient. In 1999, Congress commissioned the Institute of Medicine ( IOM ) to look into wellness and wellness attention among racial/ethnic minorities. The consequences of the survey conducted, entitled Unequal Treatment: Confronting Racial and Ethnic Disparities in Health Care, demonstrated that minorities had p oorer wellness and were systematically acquiring lower-quality attention even when factors such as insurance position and income were n’t involved ( Smeadley, Stith, A ; Nelson 2003 ) . Despite paces towards extinguishing disparities, they still persist. Health attention disparities in quality of attention are found among several mark populations. These populations include: racial and cultural minorities, those of a certain socioeconomic position, occupants of rural countries, low-income groups, adult females, kids, the aged, and individuals with disablements. An copiousness of grounds demonstrates that as a consequence of several factors, a huge bulk of people in these mark population groups do non have high quality wellness attention. Perceived supplier favoritism has both direct and indirect effects on wellness attention use and wellness position. Surveies such as those conducted by Van Houtven et Al. and Blanchard and Lurie found that persons who perceived supplier favoritism significantly delayed wellness attention use ( 10, 15 ) . The biopsychosocial theoretical account explains how stereotyping or bias can bring on emphasis in those who experience it and as a consequence have a negative impact on wellness position. Patient-pro vider miscommunication has several branchings such as medical mistakes, deficient medical attention, and even decease. This type of miscommunication is the consequence of cultural and linguistic communication barriers. Bettering lingual and cultural competence can be accomplished by increasing the proportion of underrepresented clinicians in wellness systems and in medical instruction. Technology lacks in health care seem to besides bring on lacks in quality of attention provided to many of persons in the mark population. Suppliers in rural and destitute countries are holding troubles because they lack the wellness information engineering that their opposite numbers have in the urban and more flush countries. Differential entree to care can take to disparities in quality of wellness attention. Deriving entree to wellness attention is so an of import requirement to obtaining quality wellness attention. Minorities and low-income groups are less likely to hold wellness insurance and are more likely to hold public insurance. Payment rates for Medicaid are significantly lower than for Medicare, hence, minorities having Medicaid or that are uninsured receive attention in different scenes than in private insured or Medicare patient. Evidence suggests that entree to a regular and usual beginning of attention can greatly cut down wellness disparities. Transportation barriers, distance to clinics, or a deficiency of cognition about supplier locations have besides threatened entree to care. In 2003, the Agency for Healthcare Research and Quality, as directed by the Healthcare Research and Quality Act of 1999, presented Congress with the first one-year National Healthcare Disparities Report and the National Healthcare Quality Report. Among the many findings as it relates to healthcare and healthcare quality disparities, the studies found that inequality in quality exists. You read "Wealth As Determinant Of Health Health And Social Care Essay" in category "Essay examples" Key findings in the 2009 National Healthcare Quality Report found that attempts to cut down disparities have had an impact, nevertheless, disparities still exist. In the study, it was found an estimated cost $ 65-130 billion can be attributed to premature decease and lower wellness position among uninsured people. The study besides focuses on several scientifically supported nucleus quality measures that autumn into two classs, either process steps or result steps. When compared to White persons: Blacks received worse attention for 50 % and better attention for 15 % of nucleus steps ; Asians received worse attention for 30 % and better attention for 40 % of nucleus steps ; American Indians and Alaska Natives ( AI/ANs ) received worse attention for 45 % and better attention for 25 % of nucleus steps ; Hispanics received worse attention for 70 % and better attention for 20 % of nucleus steps. ( Q ) Associating to income disparities, hapless people received worse attention than high-income people for 75 % and better attention for 5 % of nucleus steps. ( Q ) When comparing the spread in disparities with findings from old old ages, 66 % of nucleus steps have non improved for Blacks, Asians, and Hispanics ; ensuing in a dead or increased spread. For inkinesss in peculiar, the spread seems to somewhat be shuting with an betterment in approximately 20 % of the disparities steps. For AI/ANs there is an betterment of approximately 40 % of disparities steps. However, when reexamining these findings, one may ask whether or non utilization patterns among these groups were taken into consideration besides. Extinguishing or cut downing healthcare disparities will necessitate statute law and action. Health policies and enterprises are made on three degrees of authorities, federal, province, and community-based. An illustration of a large-scale federal-level policy is REACH 2010. Reach 2010 is the CDC ‘s attempt to extinguish racial and cultural disparities. The CDC has awarded grants to 40 community-based alliances countrywide to implement a community-based plans and culturally-appropriate intercessions in the riddance of disparities. An illustration of a state-level policy is the Colorado Turning Point Initiative ( CTPI ) . The CTPI has set up informations aggregation plans to supply a standardised comparing of wellness indexs by race and ethnicity. Systems have besides been created to work towards its intended end of wellness disparities riddance. Such as the development of a province Office of Health Disparities and an betterment in linguistic communication aid for those who lac ks English proficiency. An illustration of a community-based disparities enterprise is the Florida Community-Based Participatory Research ( CBPR ) Initiative in Reducing and Eliminating Health Disparities. This inaugural supports disease intercession research in disparities utilizing community-based participatory research which is conducted by communities and research workers. There are several possible policy options for work outing the job of wellness attention disparities in quality of attention. As many persons in the mark populations are uninsured or underinsured, entree to wellness insurance by manner of policies such as the Healthcare Reform may hold a great impact on wellness disparities. For minorities and other mark groups, Healthcare Reform will take down costs for households, provide greater and more low-cost insurance picks, increase entree to care, advance primary attention, and command chronic disease. Another possible option is the Institute of Medicine ‘s Model of entree to wellness Services. A last possible policy option is acceptance of Health Information Technology ( HIT ) by manner of policies such as the Health Information Technology for Economic and Clinical Health ( HITECH ) ACT. The preferable policy option for work outing the job of wellness attention disparities in quality of attention is wide acceptance of HIT. This option should particularly be implemented in destitute and rural countries. The policy ‘s standard should include: acceptance of wellness IT, quality wellness services provided, an impact on wellness disparities, coverage of quality informations, and political feasibleness. The degree of engineering is sufficient to implement this policy option. Presently, there are several types of wellness IT technologies, which includes: electronic wellness records ( EHRs ) , E-health, electronic medical records ( EMRs ) , and computerized supplier order entry ( CPOE ) . Barriers to acceptance may show themselves in the signifier of: cost/lack of capital to put among suppliers, inability to incorporate the HIT with current systems, offline clip, lost of productiveness or income during passage, preparation, and hardware/software ascents. By implementing the HIT acceptance policy the spreads in quality of attention created by wellness disparities can be decreased. Broad acceptance of HIT will greatly even out the industry for all suppliers. Those suppliers in rural or destitute countries, such as Community Health Centers ( CHCs ) , in peculiar will hold the greatest impact on wellness disparities. â€Å" Given that CHCs sever about 14 per centum of the state ‘s uninsured people, 11 per centum of Medicaid enrollees, and 10 per centum of minorities, puting in spread outing CHC ‘s wellness IT capacity seems a valuable scheme to farther cut down wellness disparities for a significant figure of financially vulnerable patients † ( Shields 2007 ) . An of import characteristic of Health IT such as EHRs is the clinical supplier support interface that several systems contain. This characteristic provides recommendations on diagnostic and screening trials. â€Å" This Fosters just intervention for diverse pop ulations by extinguishing any possible racial or cultural prejudice form the wellness attention supplier that might impact clinical judgement † ( Custodio 2009 ) . The system will to boot help in the decrease of medicine mistakes and inauspicious drug effects with its medicine faculty. This faculty can urge dose, interaction information of several drugs, and generic options. The interoperability of wellness IT technologies such as EHRs will greatly increase functionality and as a consequence, the quality of attention provided. As many in the mark populations may be uninsured, lack the cognition of available resources, may populate far from a individual entity supplier, are hesitating to seek medical attention until something is incorrect, and miss a medical place, they tend to use hospital exigency suites more frequently than needed for medical attention. Health It such as EHRs will let suppliers from assorted clinics or infirmaries, entree a patient ‘s medical records, which will assist to cut down duplicate of services and medical mistakes. EHRs to boot, let for easier coverage of quality informations and public presentation monitoring. The information provided from the coverage will ease enterprises with a end of quality improvements. â€Å" An electronic wellness record that includes certification of demographics, including race and ethnicity, hazard facto appraisals, and preventative and chronic disease direction determination support, enables the clinician to pull off more efficaciously the complex wellness attention demands of our vulnerable populations † ( Custodio 2009 ) . Health IT is a valuable tool in the attempt of battling wellness disparities. The political feasibleness associated with the wide acceptance of wellness IT involves several involvement groups or stakeholders. Government bureaus such as the Commission to End Healthcare Disparities ( The Commission ) have taken an active function in this issue and will interest in the result of this policy alteration. The Commission is a federal undertaking force focuses on quality, physician leading, and systems as a agency to extinguishing disparities. Community organisations besides play a critical function in the issue as they are the 1s that have direct contact with those in the mark population. This policy alteration will let them to come in the community and be a liason between suppliers and the mark population. The mark population groups have the most at interest when it comes to the policy alteration seeing that they are the 1 ‘s straight affected by the disparities. Healthcare suppliers or health care organisations besides have a interest in the policy alteration since they will be buying the systems needed to implement the alteration. Employers and concerns such as insurance or wellness IT software/hardware companies will besides hold a interest in this policy alteration with both perchance benefiting from the alteration. The stakeholders in support of the policy alteration include: authorities bureaus, community organisations, mark population, and the HIT software/hardware companies. The group that would perchance oppose the alteration is the health care providers/healthcare organisations. Countrywide several little doctor groups that service the rural or impoverished countries have been loath to follow HIT. Hospitals have besides been hesitant in their acceptance because of the associated barriers. This policy would be supported by Democrats. Recently the two such policies aimed at HIT execution, the HITECH Act and the Healthcare Reform, have been passed under a democratic disposal. Economically, the execution of HIT comes with a brawny monetary value ticket. The Congressional Budget Office ( CBO ) conducted a survey sing EHRs execution and associated cost. The CBO found that the cost of execution for primary practician offices ranged between $ 25,000-50,000 per doctor. ( perot ) Additionally, one-year operating, licensing, and care costs ranged between $ 3,000-9,000 per doctor. Execution costs for infirmaries averaged $ 14,500 per bed with one-year operating costs of $ 2,700 per bed. ( Perot ) The HITECH Act was enacted as portion of the American Recovery and Reinvestment Act of 2009 with an purpose of exciting the acceptance of wellness IT and the meaningful usage of HER systems. In the act, the authorities allocated $ 19 billion to set towards the execution of EHRs countrywide. The authorities will supply Medicare or Medicaid reimbursements and $ 44,000 discount as inducements to follow EHRs between 2011-2015. After 2015 any wellness attention organisations t hat have failed to follow a system and pattern their meaningful usage will confront punishments. As portion of the Healthcare Reform, the Patient Protection and Affordable Care Act, contains several commissariats for acceptance of HIT and betterment in entree to care for the uninsured and underinsured. The overall jutting cost of the Healthcare Reform is $ 940 billion for the first decennary. The gross to implement the recommended policy alteration will come from revenue enhancements and supplier capital. Equally long as the policy is implemented right, the benefits of the policy alteration will be every bit accessible among the mark population. Harmonizing to the HITECH Act, by 2015, all health care suppliers are expected to implement wellness IT. In order to guarantee successful execution a mechanism should be used to supervise whether disparities increase with the wide acceptance of EHRs or other wellness IT. Fraud nevertheless, may happen in the signifier of a security breach of the HIT system. â€Å" Internal breaches of security continue to be the primary security concern identified by health care IM/IT executives † ( book ) . There is besides the potency for gross misdirection or waste of ARRA financess. In order to implement this policy efficaciously, a strategic execution program must be in topographic point. Collaboration among most if non all stakeholders must take topographic point, peculiarly between suppliers, authorities, and community-based organisations. Diversity and competency within the health care system and its work force must be improved. A quality-based reimbursement system for authorities operated insurances should be in topographic point. A undertaking force should be created in order to promote suppliers in rural countries to follow EHRs and other HIT. Health disparities should be included in the quality steps reported by suppliers to CMS in order to be eligible for meaningful usage inducement payments. State degree schemes should include: preparing or updating the province route map for HIT acceptance, set uping a province leading office, and set up chances for wellness IT preparation and instruction. Federal-level schemes occur in an ongoing three phase attempt. Stage one begins in 2011 and dressed ores on electronically entering wellness information in coded format. Stages 2 and 3 will be occur between 2013-2015 and expands on aims and steps, concentrating chiefly on the interoperability of HIT and it ‘s associate betterments in public wellness. How to cite Wealth As Determinant Of Health Health And Social Care Essay, Essay examples