LO 1. Understand the difference between personnel management and human Essay

LO 1. Comprehend the distinction between staff the board and human asset the executives LO 2. See how to enlist emp - Essay Example LO. 1 Understand the Difference between Personnel Management and Human-Resource Management Personnel the board Personnel the executives is characterized as: 1. getting, 2. keeping up, and 3. Using the fulfilled workforce The target of staff the executives is to accomplish the strategic vision explanations of the association. Faculty the executives is a principal pat of the administration, which is for the most part worried about the representatives just as their associations with the association. It is central to take note of that staff the board is mostly managerial in nature whereby it bargains representatives, the work laws and their finance among other authoritative capacities. Faculty the board is viewed as responsive since it offers requests and worries as they are introduced though from an inspirational idea, it predominantly keeps an eye on just persuade the representatives through rewards, pay and rewards. Prominent HR the executives have characterized staff the executives a s the way toward: sorting out, arranging, combination, upkeep, and Compensation of the representatives. The central motivation behind this procedure is o successfully add to: cultural, individual and Organizational objectives. Objectives of the Personnel Management 1. ... To make powerful between close to home relations simultaneously building up a feeling of responsiveness and obligation among the representatives and the laborers. Faculty the executives embraces the best possible strategies or methods so as to bring the most ideal advancements of the representatives on work by participation among capital and work (Randhawa, 2007). Human Resource Management Human-asset the executives is the basic capacity inside an association that predominantly centers around the board, enlistment just as offering headings to the workers with the goal for them to accomplish the associations' targets. The line chiefs can play out these capacities since these days; human-asset the executives courses are a vital piece of the line managers’ preparing. Human-asset the board is a hierarchical job that manages: recruiting, wellbeing, health, execution the executives, pay, employees’ inspiration, organization, correspondence, and Training. Human-asset the board is a vital methodology that oversees representatives just as the working environment condition and culture. Powerful human-asset the board plays a crucial capacity in guaranteeing that a worker can contribute profitably and adequately to the organizations’ by and large bearings and have the option to accomplish the organization’s targets and objectives. Human-asset the board includes moving ceaselessly from the old customary value-based, organization and individual jobs. As of now, a human-asset chief is completely expected to include esteem, particularly to the key usage of the workers and to guarantee that the different representative projects directly affect the business in quantifiable manners. Probably the most recent

Whoosh! How to Stop Deadlines Whizzing Past

Whoosh! Step by step instructions to Stop Deadlines Whizzing Past Whoosh! Step by step instructions to Stop Deadlines Whizzing Past No one prefers a cutoff time. In the case of nothing else, it has the word â€Å"dead† in it, which is once in a while ameliorating. All the more pressingly, attempting to work to a cutoff time can be extremely upsetting. A few people, similar to creator Douglas Adams, adapt to this worry by overlooking cutoff times totally: â€Å"I love cutoff times. I love the whooshing clamor they make as they go by.† Lamentably, this isn’t a possibility for your normal undergrad, as missing a cutoff time will mean missing out on marks. This could, thus, influence your general evaluation, so you have to turn in your assignments on time at whatever point conceivable. In any case, how might you ensure you do this? We have a couple suggestions†¦ 1. Start Early! This may sound self-evident, however the most widely recognized error individuals make when attempting to cutoff times is to (wrongly) expect they have additional time than they truly do. Before you know it, your works due and you’re compelled to surge the creative cycle. You can maintain a strategic distance from this pressure (and the low quality work that normally results) basically by not leaving your paper until the latest possible time. On which note†¦ 2. Have a Plan To ensure you have sufficient opportunity to complete your paper, you ought to define an arrangement before you begin composing. This incorporates the time you’ll need to look into your paper, review it, and make any corrections required before presenting the last form. In any event, you should attempt to draw a blueprint of your contention so you comprehend what you have to accomplish for each area of your paper, just as how your contention hangs all together. This will make it a lot simpler to defeat any issues you experience while working. 3. Separate Tasks into Manageable Chunks An elegantly composed paper is once in a while completed in one meeting, so if you’re dealing with a more extended exposition you should deal with it in littler lumps. This will cause it to appear to be less overwhelming, notwithstanding letting you plan work all the more viably. Also, as long as you start sufficiently early (see above), composing a passage or two daily ought to get you over the end goal in time. 4. Organize Your Work On the off chance that you do have a cutoff time drawing closer, you have to organize. This essentially includes realizing which undertakings are generally significant and being happy to put different things aside until they’re done. For instance, despite the fact that you may host been welcome to a gathering on Wednesday night, you ought to most likely organize work if you’ve got a cutoff time on Thursday. Sorry to be a buzzkill about it. 5. Vanquish Procrastination The last obstacle each understudy (and every other person) must beat when attempting to a cutoff time is the inclination to tarry. Time the executives is a major piece of this, however it’s additionally imperative to make a situation liberated from interruptions and to permit yourself standard breaks to keep away from exhaustion.

Networking It is, by and Large, who you Know

Networking It is, by and Large, who you Know The Importance of Networking and How to do it at University The Importance of Networking and How to do it at University For many people, the term ‘networking’ conjures up images of contrived meetings and forced interactions. Making a friend is an authentic, organic experience, but networking involves a much more conscious self-interest. ‘How can this person help me?’ sounds like an inherently selfish question to ask oneself. What is networking at university and college? But networking is about establishing relationships with people that may also include a genuine friendship which are nonetheless based on understanding, respect, and a mutual benefit. While it may feel slightly odd to attend seminars and events and approach complete strangers for the sole purpose of finding people who might be of use to you at some point in the future, forming strategic relationships and alliances is a part of life, and, like it or not, a large part of professional and financial success. Below are some of the most important things to understand about networking while at school. Networking events are for networking For some, especially those who crave authentic experiences, networking events (whether organized by a particular faculty, campus-wide, or altogether independent from the university or college) can seem like a daunting process. You walk up to someone you potentially have never met before, extend your hand, and introduce yourself fully knowing that you are appraising their usefulness to you, and they are doing the same on the other end. You need to put this discomfort in the back of your mind. Everyone at the event knows what you are there for. You are trying to make interpersonal connections that will help you. If you find someone you want to include in your professional network, and they are receptive, then it is important to create that relationship as there is potential value for both parties. Establish a goal for your networking event A LinkedIn article entitled “How to Nail Your Next Networking Event in 5 Easy Steps” has setting a goal as the first, and prerequisite step for all networking functions. Go into your networking event with a clear idea of how many people you want to talk to, and how many new connections you would like to add to your network. It helps to set a goal before beginning any kind of networking event because it makes the task seem less daunting. Successfully navigating a multi-hour networking event full of hundreds of people can feel like the most intimidating task of your life. Instead, set your parameters before beginning. Ask yourself how many people you would like to meet. If the networking opportunity offers a list of all attendees, along with their credentials, hobbies, interest, and previous work/academic experience, do your homework before going so that you can strike up a more genuine, more authentic conversation with the people you would like to talk to. At an event with over 200 attendees, you are likely only going to want to talk to a handful of them anyways. Listen before you speak When meeting someone for the first time, whether it be a professional connection, or a friendship, many people want to make a great, first impression. You want to make a good impression on the person you’re talking to, which, in part, means communicating and advertising the good qualities you bring to the table. While it is important to do this well, and to do it without sounding arrogant, or full of bravado, it is equally, if not more important to understand that networking at university and college involves a healthy amount of listening. A 2018 Forbes article entitled “To Communicate Well, Listen First” claims that in order to even hope to have a fruitful conversation with someone (or a group of people), you must first understand their needs and concerns in order to then respond with something that will resonate with them. Simply jumping into your sales pitch, or spiel about what you bring to the table, or why someone should give you the time of day means you will likely end up talking past the person. Furthermore, networking often implies talking to people you know very little about. If you want to form any kind of a personal connection with the individuals you are talking to, really listening to what they have to say will allow you to come up with much more thoughtful responses to their statements and questions. A common mistake made by people who do not understand the art of conversation is using the time when they are not speaking, and should be listening, to go over what they are dying to say themselves. If you are on the edge of your seat waiting to blurt out what’s on your mind, it will likely show. The value of a professional network Ask any successful person you know whether it’s a friend, a relative, or a boss and most, if not all of them will undoubtedly credit their social and professional network with opening the door to opportunities. You hear people talk frequently about their “shot,” and who gave it to them someone who recognized their talent or value, and provided them with an opportunity to demonstrate what they were made of. Most successful people, if they are entirely honest with themselves, can trace their current success back to both their talent, as well as their strategic network of friends, contacts, and associates. They also know how to communicate their value to other people which involves being able to write and design a stellar resume and personal statements. Networking does not come natural to a great many people, but its value and necessity is understood by everyone who has used it to bolster their professional and social lives. Before any networking event, you should already understand what you bring to the table, and how you are going to let the world know. If, on the other hand, you need help marketing yourself, or understanding how to highlight and advertise your positive qualities, contact Homework Help Global, and let us help put together a self-marketing plan that will let you nail networking at university and college. References: Brenner, D. (2018). “To Communicate Well, Listen First.” Forbes. Retrieved from: #6d6fb85232a9 Frank, J. (2015). “How to Nail Your Next Networking Event in 5 Easy Steps.” LinkedIn. Retrieved from: how-nail-your-next-networking-event-5-easy-steps-judy-frank Networking It is, by and Large, who you Know The Importance of Networking and How to do it at University The Importance of Networking and How to do it at University For many people, the term ‘networking’ conjures up images of contrived meetings and forced interactions. Making a friend is an authentic, organic experience, but networking involves a much more conscious self-interest. ‘How can this person help me?’ sounds like an inherently selfish question to ask oneself. What is networking at university and college? But networking is about establishing relationships with people that may also include a genuine friendship which are nonetheless based on understanding, respect, and a mutual benefit. While it may feel slightly odd to attend seminars and events and approach complete strangers for the sole purpose of finding people who might be of use to you at some point in the future, forming strategic relationships and alliances is a part of life, and, like it or not, a large part of professional and financial success. Below are some of the most important things to understand about networking while at school. Networking events are for networking For some, especially those who crave authentic experiences, networking events (whether organized by a particular faculty, campus-wide, or altogether independent from the university or college) can seem like a daunting process. You walk up to someone you potentially have never met before, extend your hand, and introduce yourself fully knowing that you are appraising their usefulness to you, and they are doing the same on the other end. You need to put this discomfort in the back of your mind. Everyone at the event knows what you are there for. You are trying to make interpersonal connections that will help you. If you find someone you want to include in your professional network, and they are receptive, then it is important to create that relationship as there is potential value for both parties. Establish a goal for your networking event A LinkedIn article entitled “How to Nail Your Next Networking Event in 5 Easy Steps” has setting a goal as the first, and prerequisite step for all networking functions. Go into your networking event with a clear idea of how many people you want to talk to, and how many new connections you would like to add to your network. It helps to set a goal before beginning any kind of networking event because it makes the task seem less daunting. Successfully navigating a multi-hour networking event full of hundreds of people can feel like the most intimidating task of your life. Instead, set your parameters before beginning. Ask yourself how many people you would like to meet. If the networking opportunity offers a list of all attendees, along with their credentials, hobbies, interest, and previous work/academic experience, do your homework before going so that you can strike up a more genuine, more authentic conversation with the people you would like to talk to. At an event with over 200 attendees, you are likely only going to want to talk to a handful of them anyways. Listen before you speak When meeting someone for the first time, whether it be a professional connection, or a friendship, many people want to make a great, first impression. You want to make a good impression on the person you’re talking to, which, in part, means communicating and advertising the good qualities you bring to the table. While it is important to do this well, and to do it without sounding arrogant, or full of bravado, it is equally, if not more important to understand that networking at university and college involves a healthy amount of listening. A 2018 Forbes article entitled “To Communicate Well, Listen First” claims that in order to even hope to have a fruitful conversation with someone (or a group of people), you must first understand their needs and concerns in order to then respond with something that will resonate with them. Simply jumping into your sales pitch, or spiel about what you bring to the table, or why someone should give you the time of day means you will likely end up talking past the person. Furthermore, networking often implies talking to people you know very little about. If you want to form any kind of a personal connection with the individuals you are talking to, really listening to what they have to say will allow you to come up with much more thoughtful responses to their statements and questions. A common mistake made by people who do not understand the art of conversation is using the time when they are not speaking, and should be listening, to go over what they are dying to say themselves. If you are on the edge of your seat waiting to blurt out what’s on your mind, it will likely show. The value of a professional network Ask any successful person you know whether it’s a friend, a relative, or a boss and most, if not all of them will undoubtedly credit their social and professional network with opening the door to opportunities. You hear people talk frequently about their “shot,” and who gave it to them someone who recognized their talent or value, and provided them with an opportunity to demonstrate what they were made of. Most successful people, if they are entirely honest with themselves, can trace their current success back to both their talent, as well as their strategic network of friends, contacts, and associates. They also know how to communicate their value to other people which involves being able to write and design a stellar resume and personal statements. Networking does not come natural to a great many people, but its value and necessity is understood by everyone who has used it to bolster their professional and social lives. Before any networking event, you should already understand what you bring to the table, and how you are going to let the world know. If, on the other hand, you need help marketing yourself, or understanding how to highlight and advertise your positive qualities, contact Homework Help Global, and let us help put together a self-marketing plan that will let you nail networking at university and college. References: Brenner, D. (2018). “To Communicate Well, Listen First.” Forbes. Retrieved from: #6d6fb85232a9 Frank, J. (2015). “How to Nail Your Next Networking Event in 5 Easy Steps.” LinkedIn. Retrieved from: how-nail-your-next-networking-event-5-easy-steps-judy-frank

The Impact Of Technology On The Music Industry Essay

Technology has brought many advantageous opportunities to the music industry in the area of production and distribution. Besides popular and valuable instruments such as the electric guitar and the synthesizer, technology has brought us new production equipment such as high-fidelity microphones, re-mastering equipment and CD-ROMs that provide us with a crystal-clear sound of the recording. The development of these equipment has allowed the audience to experience a higher quality of sound coming from both live concerts and recordings. Easiness of transportation that came along with the technological developments in the sector, has allowed the record labels to distribute music all around the world. During the 1950s turbojet engines were cleared for civilian use, and with new civil jet-engine cargo aircraft distribution of almost any item became easier and faster than ever before. The evolution of the computer and the Internet was also a great distribution advantage for the music industry and should not be underestimated. New sound formats, such as the MP3, have made music distribution easier. Companies could now provide selling licenses to companies that would allow users to download certain songs from the Internet at a very high speed. The music industry also got many opportunities for advertisements since they were now not limited to billboards, TV and radio. Many companies can now promote their records by playing a preview for the user, on certain websites. RecordingShow MoreRelatedTechnology And Its Impact On The Music Industry Essay2573 Words   |  11 Pages Technology and Its Impact on the Music Industry Name College Technology and its Impact on the Music Industry Introduction The creation of musical works has always been culminated by several different processes and usually involves many people. The process takes a lot of time delaying the release of music. Advancement in technology has played a significant role in the music production by lowering the length of time it takes to produce recorded material. Artists usually sign a contractRead MoreImpact Of Technology On The Music Industry1933 Words   |  8 PagesOver the years, music has become portable, starting with the transistor to a set of headphones. Technology has allowed us to create a diverse musical culture. Music will always have an effect on one’s culture, and it has definitely mad a huge impact on the use of technology. Cultural diversity is about bringing people closer together though the World Wide Web. Many music publishers are the key to cultural diversity when it comes to publishing all genres. They will increasingly continue to play aRead MoreThe Impact Of Technology On The Musi c Industry Essay2587 Words   |  11 PagesTechnology: The Significant Impacts on the Music Industry It’s intriguing how the music industry has significantly changed throughout the years due to the constant increase of technology. There are many different reasons to show how technology has made a huge impact whether positive or negative on this phenomenal industry. Music cultivates so much meaning to the world, and speaks volumes on the behalf of individuals when they don’t know what to physically say. That being said, whether it’s listeningRead MoreThe Impact Of Technology On The Music Industry1845 Words   |  8 Pagestoday’s music is trash. It’s repetitive and oversimplified, and all because of this new music technology constantly being developed. A listener rarely hears a piece of music that has not been touched by technology, but this isn’t necessarily a bad thing. These people fail to realize that the theory of music technology has been around since the 1700’s when Mozart invented a game using a die to compose music by chance ( Baggi). It is also important to realize the true of meaning of technology to societyRead MoreImpact Of Technology On The Music Industry1414 Words   |  6 PagesDevelopments within the music industry are seemingly frequent and numerous due to diversity and the various issues faced. For a sector that consistently adapts to demand, it was logical to decipher a development which not only alters significant factors within the industry, but also a development which endures (and even encourages) smaller advancements. The increase in readily available technology has had a significant effect on the music industry. 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The Group have recorded a top 10 hit on the Top 40 UK Singles Chart in 2008 from their debut album â€Å"Started a Fire†. From your debut album Started a Fire, you had a top 10 hit with â€Å"Just For Tonight†. What did it take you to get to the point? How did you market and promote your band to get to this point, did itRead MoreThe Effect Of Digital Technology On The Music Industry1442 Words   |  6 Pagesï » ¿ The effect of digital technology on the music industry Nowadays, teenagers are living constantly surrounded by technology. Even if the younger generation may not see it, technology has had an impact on different factors. The widespread use of digital technology in the music industry has allowed consumers to reproduce digital versions of copyrighted songs inexpensively, with the help of many software and websites. There has been an increase in digital copying activities and those are most ofRead MoreBenefits And Benefits Of The Performance1749 Words   |  7 PagesMichael Jackson could rake in half a billion dollars† (Sherwell, 2014). With such profit potential, it is likely that the popularity of holograms will increase among event organisers. Arguably, technology does increase the ease of making a profit in some aspects. A current issue within the industry stems from ticket resale websites. In the circumstances of popular artists, tickets can sell out in minutes only to be resold for dramatically increased prices. â€Å"Tickets for Brand New’s June tour sold

E-commerce Organisations - Business Strategy of HP, PC World, Comet Free Essay Example, 4000 words

Economic weakness and environment uncertainty have affected the financial performance of HP such as inventory management, revenues etc. Declining consumer and business confidence, decreasing access to credit, increasing unemployment and reducing consumer spending has also affected operations of HPHPEnsuring right forecast has become difficult for HP, however, to reduce economic uncertainty, the company focuses on historical forecasts. However, currency exchange rates, interest rates etc impact HP PC WorldFinance and executive committee regularly review a portfolio of businessIn 2008, defined Renewal and Transformation plan of business (Dixonretails, 2010)CometRevenues of a company have severely affected during the global financial crisisSocialChanging social patterns Changing living styles Changes in income patterns HPThe company believes that its revenues will be affected negatively if customers expectations are not met; therefore, new products are developed to meet their needsPC Wo rldMonitor mystery shopping collects customer exist data and purchase data for analysisFIVES customer service training for all staffContinuous innovationEasy navigation on a website (Dixonretails, 2009)CometCustomer oriented operations as evident from business strategy so that the needs of customers could be metTechnologicalThe technological developments and their trends are particularly high in this industryThe increasing demand for technology is offering more and more opportunities to companies operating in this industryHPThe business strategy of HP focuses on designing and manufacturing products which are according to the latest trends in technology and changing needs and desires of the customersTo meet the changing the needs of customers, a significant amount is being spent on research and development by HP. In 2007, 2008 and 2009, HP spent $3.6 billion, $3.5 billion and $2.8 billion on research and development (HP Annual Report, 2009)PC WorldGood supplier relationship such as a partner with Apple iPads (Dixonretails, 2009)Store transformation and new tech in processesEmphasis on e-commerceCometOnline services, phone services and chat services. We will write a custom essay sample on E-commerce Organisations - Business Strategy of HP, PC World, Comet or any topic specifically for you Only $17.96 $11.86/pageorder now

You’re Fired Free Essays

Two words that people will go to extreme measures to never ever hear, pray, suck up to their boss and even†¦work hard. As frightening as these two words are, they play an essential role in the genius programme that is the Apprentice and honestly, those two words are the provider of my weekly supplement of entertainment. Have you realised just how downgraded television programmes have become? I have. We will write a custom essay sample on You’re Fired or any similar topic only for you Order Now The takeover of reality TV has completely lived up to new and changing consumer tastes but that doesn’t stop the show bosses of ITV from taking it too far. TV now is all about the fake tan, the drama of break ups and arguments. The Only Way is Essex, otherwise known as TOWIE (yes that’s the show that your children keep talking about) has officially taken over the meaning of television. The hair-tearing, teeth-wrenching-ly ridiculous programme means that I cannot turn on the TV without hearing â€Å"Well, jel.† Sorry, what? Thankfully, I have the Apprentice to keep me sane and just about alive. I’ve always found it most amusing to watch as the contestants introduce themselves â€Å"I’m better than unique; I’m naturally gifted in business,† claimed last year’s contestant Michael Copp who proved that he wasn’t so gifted in business after all when he was given the finger only 3 weeks into the arduous competition. The finger that I’m talking about, â€Å"the finger of dreaded doom† I think it should be called, is in fact Lord Sugar’s reputable gesture that does enough to send cold chills down my spine and leave contestants spluttering a combination of their tears and a part of their imperishable pride. Watching as they transform from the top dogs of the new business generation into helpless puppies that resort to pleading and begging in the hope that Lord Sugar will give them a second chance is simply hilarious; that is what I call pure entertai nment. The Apprentice is simply one of the best shows on TV at the moment which has managed to do the impossible in maintaining the qualities of good television; something which seems to have completely departed from our 40 inch television screens that now seem to lack purpose with the sheer amount of abhorrent and atrocious programmes that seem to occupy them. The Apprentice is the only programme around that is innovative and fresh; its concept is unique and actually meaningful – amazing, right? Unlike any of the other reality TV shows, the programme lives up to its purpose in showing us the truth and harsh reality behind business. It is just a touch of pure originality and excellence. It is becoming increasingly clear to see the importance that businesses have in modern society with successful businessmen having a tremendously important role in the world. The brilliance of this show is that is captures the truth about how business works in the real world and how you will really need more than just a dream to become successful. There aren’t many business gurus out there like Lord Sugar who will be willing to give people the opportunity to learn such essential skills in such an important sector of society. For the contestants to complete such gruelling tasks, gives them to chance to learn valuable skills that they will be able to manipulate in order to succeed. It’s not even just for the contestants; it’s an opportunity for people, especially young people sitting at home to learn about it too. I look forward to Season 9 and the next time that Lord Sugar sits down in the boarding room to announce â€Å"You’re fired†. Let the entertainment commence. How to cite You’re Fired, Papers

Health Care Old Versus New free essay sample

| Health Care In Our Nation, Old Versus New| | | | | I will compare the current health care system with the new Patient Protection and Affordable Care Act (ACA) that became law on March 23, 2010. The current system, which is being phased out between 2011 and 2018 is increasingly inaccessible to many poor and lower-middle-class people. About 47 million Americans lack health insurance, an increase of more than two million people from 2005 (Rovner,2011) the increasingly complex warfare between insurers and hospitals over who pays the bills is gobbling up a great deal of money and the end result is that the United States pays roughly twice as much per capita for health care as Canada, France, and the United Kingdom yet experiences slightly lower life expectancy than those countries. President Barack Obama campaigned for the need to reform the American health care system, stating that the cost of health care was a â€Å"threat to our economy† and that health care should be a â€Å"right for every American. † (Rovner,2011) Thus began the passage of health care reform. On March 23, 2010, the Patient Protection and Affordable Care Act became law. Private and Parochial schools have been competing with public schools for as long as I can remember. These schools have to show that they’re worth paying for or they don’t get customers. The health care industry, on the other hand doesn’t have government competition. The old health care system gave insurance companies all the power. It’s more along the lines of, pay us outrageous fees or you die. And even if you have their coverage they still look for ways to drop you from their insurance. I feel that under the new health care reform laws I won’t have to worry about getting laid off and losing my health insurance coverage again. There are 92 provisions in the ACA (Affordable Care Act) that are being implemented between the years 2011-2018. This essay however, will only cover the provisions I feel are of concern to most lower to middle class Americans, or should I state â€Å"financially struggling like myself†. I have also left out those provisions that are centered on small and large business owners to keep within the assignment directives and to simplify the comparisons. Since the recent recession that began in December 2007 nearly 7 million Americans have lost their jobs, also, there were an estimated 43 million uninsured prior to that (Many of these also lost the only health insurance coverage they had for themselves and their families. Former employees are given the option to buy temporary insurance through companies such as Cobra which contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporary continuation of health coverage at group rates. However, this insurance is costly, well above the financial means of someone without a job. The typical cost for basic family coverage can be around $1,309. 00 per month. A cost that is nearly impossible to cover when you are unemployed or underemployed. Under the ACA, the following provisions would be considered pros for the average American. (a) Coverage will expand to cover nearly 95 percent of legal U. S. residents. Plus, preventative care will be free. (b) Increased regulation will stop insurance companies from rigging prices, for instance there was a recent 40% insurance premium increase in California. (c) Insurance companies will have to accept everyone. No more pre-existing condition exclusions. They can’t place limits on coverage anymore, either. (d) Cheaper prescriptions for seniors. e) Ensuring Free Choice. Workers who cannot afford the coverage provided by their employer may take whatever funds their employer might have contributed to their insurance and use these resources to help purchase a more affordable plan in the new health insurance exchanges. (f) Eliminating Annual Limits on Insurance Coverage. The law prohibits plans from imposing annual dollar limits on the amount of coverage an individual may receive. ( g) Insurers must now reveal how much money is spent on overhead. (h) Makes Care More Affordable. The act includes tax credits to make it easier for the middle class to afford insurance will become available for people with incomes above 100 percent and below 400 percent of poverty (i) Chain restaurants will be required to provide a nutrient content disclosure statement alongside their items. You will see calories listed both on in-store and drive-through menus of fast-food restaurants. (Affordable health care for America, 2010) Under the ACA, the following provisions would be considered cons for the average American. (a) Cuts in Medicare. The elderly on Medicare will see their benefits changed dramatically. The biggest item being used to pay for the new program is more than $500 billion in cuts to the Medicare program at a time when 72 million baby boomers become eligible for it in the next decade. The second biggest move to pay for this is by raising and expanding the Medicare tax. (b) No new incentives for primary care physicians (c) More taxes, the government has to pay for healthcare reform somehow. Taxing businesses is a big strategy. Families earning more than $250. 000 a year will have to pay higher Medicare taxes, also, this isn’t a tax, but employers will be fined $3,000 per employee if they don’t provide affordable medical coverage. Drea, 2010). However, the provision that is causing the most concern is insurance mandate: Almost everyone is required to be insured or else pay a fine. There is an exemption for low-income people. Mandate takes effect in 2014. (Right To Health Care, n. d) I personally feel the ACA will benefit most Americans for several reasons. Firs t, if you don’t have health insurance, you will have a choice of high quality, affordable coverage for yourself and family. Second, reform will finally bring skyrocketing health care costs under control. Third, reform will provide every American with some basic protections that will finally hold insurance companies accountable since they will not be able to discriminate against persons with pre-existing illness or conditions. Lastly, Americans can now purchase their health insurance coverage with the bargaining power that used to only be reserved for larger companies, Instead of individual policies which are extremely expensive. Bear in mind that from 2000 to 2006, health care premiums have increased 87% compared to overall inflation (an increase of 3. 5%) and wages (3. 8%). A ‘Public Entity’ would help keep costs from skyrocketing. (Right To Health Care, n. d). Working Americans may be experiencing something akin to sticker shock. The average cost of a family policy now exceeds $13,000 a year, having doubled over the last decade, according to a survey by the Kaiser Family Foundation. Similar increases over the next decade would translate to the average policy for a family costing in the neighborhood of $24. 000 a year. (â€Å"The Business of Health care,† 2009). I really had not paid that much attention to the new health reform act, prior to a personal tragedy that happened to my family recently. My sister Melissa had been covered by her employer sponsored health care plan for the last 18 years. For 17 of them she was the picture of health, no major illnesses or accidents requiring the use of her insurance other than the occasional checkup. So, about 3 years ago she decided to up her yearly deductibles and co-pays from $1,200 to $6,000 in favor of a lower monthly premium to help make other household bills easier. I’m sure she didn’t anticipate anything happening. And had she been covered under the new ACA she may not have had to worry about paying high medical bills. Unfortunately last December my sister was diagnosed with bi-polar disease, she also discovered she had breast cancer. On May 30th of this year my beloved sister took her own life. I’m not saying that her health insurance situation was the main reason for her decision to take her own life, but as we tried to convince her she needed to be re-hospitalized for her major depression, she would always say â€Å"I can’t afford it now†. The emotional trauma associated with her two illnesses and the constant worry over the medical bills only added to her anxiety and depression. Fear of hospital bills should not deter anyone from seeking medical care. I believe if I were able to get her back in the hospital my sister would possible still be here with us. Since my sister’s death I have come to realize that not being able to afford health care insurance could be the difference between life and death for some. How appalling to live in a country with such great wealth, yet millions face financial ruin if they are uninsured or even insured and their current insurance provider decides to drop them. I’m not saying that the new health care reform laws will be fix all our problems, but I feel it’s a good start, and again only time will tell. References Affordable health care for America. (2010, April 2) Prepared by committees on Ways Means, Energy Commerce And Education Labor, Retrieved from http://docs. house. gov/energycommerce/TIMELINE. pdf Drea, (2010). Filed in archive economy, government, politics. Business Pundit, Retrieved from http://www. businesspundit. om/the-pros-and-cons-of-the-new Insurance Premiums Still Rising Faster Than Inflation and Wages. (2009). The Business of Health Care. New York Times Retrieved from http://prescriptions. blogs. nytimes. com/2009/09/15/insurance-premiums-still-rising-faster-than- inflation-and-wages/ Rover, (2011). More Americans lack health insurance. NPR. Retrieved from http://www. npr. org/templates/story/story. php? storyId=14016079 Should all Americans have the right (be entitled) to health care? Right to Health Care. Retrieved from http://healthcare. procon. org/#Background