The Importance of Democratic Elections essays

The Importance of Democratic Elections papers The legitimacy of majority rule races in a nation depends, to a lot, on the attention to regular man. The more data accessible to the regular man, the more he (she) will in general become a voter and play his (hers) job that is fundamental to the appointive procedure. Recognizing the source(s) that gives this data to a planned voter is, in this way, critical. There are two principle contender for this wellspring of data: relational correspondence and mass correspondence. In this exploration, we will utilize the 2002 national decisions held in Pakistan as an utilization case. We will likely distinguish the wellsprings of data that assumed a significant job in pushing forthcoming voters to decide on the political decision day. Specifically, we might want to close what jobs relational, and mass correspondence played. All the more explicitly, we would endeavor to investigate the jobs played by the broad communications: TV, radio, and papers. The individual jobs played by these various types of media may influence various classes of voters. It is critical to discover which one of these types of media assumed the most noteworthy job in helping voters structure their suppositions. It is likewise critical to discover how these sources influence a voter's choice. Off base or confused portrayal of data by broad communications can bring about a significant class of voters being misdirected into settling on a choice that influences the entire country. Our objective is discover how, in the 2002 national races in Pakistan, the various introductions of a similar data by various types of media influenced voter's choices in an unexpected way. To sum up, we would utilize the 2002 national races held in Pakistan to respond to some significant inquiries regarding the impact of media on the appointive procedure. Our first objective is to analyze the impacts of various data sources-relational and mass correspondence on the information picked up by forthcoming ... <!

Starbucks Financial Analysis free essay sample

Starbucks Corporation (â€Å"Starbucks†) is one of the main American worldwide espresso brewers. They are a café chain that has more than 20,000 physical stores situated all through the world. They are known for their top of the line cafés that serve a wide cluster of espresso flavors and types. They additionally serve different food things that supplement their espresso choice. Some portion of the Starbucks technique is to invite their clients with a loosening up condition, as opposed to the speedy take-out style that a large portion of its rivals like. The Starbucks condition is commonly warm and welcoming, regardless of whether it is outside on a yard or inside on an agreeable love seat. The Starbucks experience likewise incorporates the accessibility of free Wi-Fi so clients may exploit remote registering while they unwind and appreciate Starbucks espresso. We will look at the fiscal reports for Starbucks Corporation over the four latest years and evaluate execution. Our essential spotlight will be on benefit; anyway we will likewise investigate other key measurements, for example, liquidity, dissolvability, and turnovers among other budgetary insights. Additionally, we will contrast Starbucks against a significant contender with differentiate different measurements and make inferences. Through this examination, we hope to discover varying regions of solidarity and shortcoming inside the money related material. We accept this organization would be intriguing to examine because of the overextending prevalence of the item. Most Americans can't endure the day without some espresso in the first part of the day. What is likewise intriguing is to analyze how two significant players in the espresso commercial center work monetarily and which element exhibits more prominent monetary quality. Industry Overview1 Starbucks works in the â€Å"Coffee and Snack Shops† industry. As indicated by an October 2013 IBISWorld Industry Report, the Coffee and Snack Shops industry encountered a significant lull in 2009 because of a battling economy and, less significantly, changing customer tastes. Before the downturn hit, the business delighted in longer than a time of solid, reliable development because of expanded buyer spending filled by rising wages. Notwithstanding, in 2009, industry income declined 6. 6% to $25. 9 billion after shopper certainty failed and spending evaporated. The business continued its upward move from 2010, be that as it may, the enormous decrease in 2009 methods the business will record an unassuming normal yearly development pace of 0. 9% over the five years to 2013. In 2013, industry income is relied upon to proceed with its bounce back with an expansion of 2. 6%, making the business worth $29. 0 billion. The Coffee and Snack Shops industry’s ongoing development is relied upon to proceed over the five years to 2018. Espresso and tidbit shops will profit by the improving economy, the declining joblessness rate and the expanding rate in which customers burn through cash on extravagances like eating out. Moreover, during the five years to 2018, buyer spending is relied upon to increment. Thus, industry income is anticipated to increase at a normal yearly pace of 3. 9%, to $35. 1 billion during the period. The business comprises of two significant players Starbucks Corporation (36. 7% piece of the overall industry) and Dunkin’ Brands Inc. (24. 6% piece of the pie). Other outstanding piece of the overall industry is involved different littler brands, for example, Krispy Kreme Doughnut Corporation and Einstein Noah Restaurant Group. The industry’s elevated level of rivalry is relied upon to increase in the following five years. This factor will include huge cost based rivalry and an expanded accentuation on the ordinary presentation of new items. Most chains will present new, solid options just as extend their present product offerings. Significant administrators will likewise endeavor to extend income and benefit by giving an assortment of other menu alternatives, including premium espressos breakfast things. Starbucks has as of late declared designs to open 1,000 Teavana Tea bars, a chain it bought in 2012. Starbuck’s system includes selling tea nearby gourmet food, for example, mushroom and kale flatbread and lemongrass ginger chicken rice balls at premium costs. Numerous local administrators will keep on growing globally. In spite of the fact that it doesn't affect the household business, universal extension is foreseen to be the biggest wellspring of income and benefit development for significant players during the five years to 2018. Nibble food brands have not yet soaked the business sectors of Asia and the Middle East; be that as it may, certain industry monsters like Starbucks and Dunkin’ Brands are as of now encountering solid development in those districts. The accomplishment of these administrators is tempting others to attempt to gather a portion of the developing business sector. Starbucks is the business chief and plans to continue developing as demonstrated by its Teavana Tea obtaining. Rivalry is still hardened and with the goal for Starbucks to keep up its situation in the business it should settle on key choices that empower development. For that Starbucks will require a solid budgetary position. In the following segment we will direct a budgetary examination of Starbucks. Monetary Analysis: Profitability and Productivity A company’s execution can be estimated by evaluating its benefit concerning the size of its venture. Return of Asset (â€Å"ROA†) is a decent marker of the arrival a Company creates for every dollar put resources into its advantages. The accompanying table shows Starbucks ROA for 2009 to 2012. ROA expanded generally speaking from 6. 9% in 2009 to 17. 8% in 2012. The SP 500 increased 13. 4%2 in 2012; thus Starbucks outflanked the SP 500 by 4. 4 focuses. We further separate the ROA into net revenue (total compensation over deals) and resource turnover (deals over normal advantages for) demonstrate the benefit and profitability of Starbucks, individually. Net revenue expanded generally speaking from 4.â 0% in 2009 to 10. 4% in 2012, though, resource turnover diminished by and large from 1. 74 out of 2009 to 1. 71 of every 2012. This shows while Starbucks kept on being gainful, its profitability diminished somewhat during the watched period. To additionally break down the profitability we determined some effectiveness or turnover proportions for Starbucks from 2009 to 2012. The accompanying tables show records of sales turnover (â€Å"ART†), stock turnover (â€Å"INVT†), long haul working resources turnover (â€Å"LTOAT†), creditor liabilities turnover (â€Å"APT†), and net working capital turnover (â€Å"NOWCT†). Regularly turnover alludes to how frequently a benefit can be supplanted during a budgetary period. Workmanship has declined from a pinnacle of 37. 3 out of 2010 to 30. 5 of every 2012. This shows Starbucks’ capacity to cover money due has debilitated as of late. INVT shows a comparable pattern with the end goal that it declined from a pinnacle of 13. 1 out of 2010 to 8. 8 out of 2012. Starbucks has gotten less proficient as of late as it has declined from creating a $13. 1 of cost of products sold (â€Å"COGS†) for every dollar of stock to $8. 8 in COGS. Despite the fact that the momentary resource turnover proportions have declined the LTOAT has expanded from 2. 9 to 4. 1 during the watched period. This shows Starbucks has all the more proficiently dealt with its more extended term working resources. On the risk side we have the APT, which has declined from a pinnacle of 26. 7 of every 2009 to 20. 7 in the most recent year. This shows Starbucks’ is taking more time to pay its providers. In conclusion, the NOWCT is negative during the whole time frame as the working current liabilities are more noteworthy than the working current resources. This might be a sign that Starbucks will most likely be unable to cover its present liabilities, in any case, Starbucks has a lot of money and reciprocals ($1. 2 billion of every 2012) close by that it can get to if need be. Monetary Analysis: Operating Return and ROE Disaggregation As we start to fundamentally inspect the money related execution of Starbucks Corporation, we will break down generally speaking gainfulness. Profit for Equity (â€Å"ROE†) is an expansive proportion of execution that is pervasive. The accompanying table shows the ROE, Net Non-Operating Return, and the Return on Net Operating Assets (â€Å"RNOA†) for Starbucks for 2009-2012. Starbucks’ has dealt with an expanding ROE from 14. 1% in 2009 to 30. 9% in 2011. ROE diminished marginally in 2012 to 29. 2%. The development pattern demonstrates that the business is creating expanding returns (overall gain) on its normal value. As we partition ROE into its working and nonoperating segments, we can see that the blend isn't uniform. The profits on net working resources overwhelm and are directed by the negative impacts of the nonoperating returns. In the first place, as we take a gander at working return, we see amazingly solid outcomes that improve after some time †RNOA expanded from 14.â 1% in 2009 to 49. 2% in 2012. As we take a gander at the RNOA segments we can follow and disaggregate this exhibition. Plunging further into RNOA, we can inspect if this ideal pattern is progressively an element of an expanding numerator in the RNOA computation (Net Operating Profit After Tax or â€Å"NOPAT†) or all the more essentially determined by a diminishing change in the denominator (Average Net Operating Assets or â€Å"NOA†). NOPAT has demonstrated solid development as it has developed by $152M or 12. 8% in the most recent year. This is great development by any measure. In the course of the last four announcing years, NOPAT has developed by $950M or 242% more than 2009 execution. As we take a gander at the denominator of the RNOA measure, we can see NOA have expanded 26. 8% over the earlier revealing year or by $644. 4M. In the course of the last four announcing years, we can see that general NOA has developed by $534M or 21. 2%. So in analyzing the parts of RNOA, we see that the two components are changing in comparative extents, anyway we can see that NOPAT is decidedly driving this measurement by producing expanding working benefit from show

Leone Baxter and Clem Whitaker Research Paper Example | Topics and Well Written Essays - 1250 words

Leone Baxter and Clem Whitaker - Research Paper Example Leone Baxter was conceived November twentieth, 1906 in Keslo, Washington. She was a devoted peruser growing up and would get a new line of work composing for the Portland Oregonian. In her late twenties Baxter moved to Redding, California where she previously entered the field of advancements, getting a vocation advancing a water jubilee for the Chamber of Commerce. She was fruitful in this position and would be elevated to the chief of the Chamber of Commerce in 1929. It was in this position Baxter would initially get associated with the political range as she took part in the Central Valley Project choice crusade. Clem Whitaker, Sr. was conceived May first, 1899. His uncle was a communist who was dynamic in the American Civil Liberties Union and a companion of Upton Sinclair. He was a writer composing for the Sacramento Bee where he turned into the city proofreader at 19 years old. In 1921, he established the Capitol New Bureau, which gave political news to a wide assortment of pap ers. His involvement with these political domains drove him to get associated with political campaigning efforts. His campaigning endeavors would eventually prompted his contribution in the Central Valley venture, where he would meet Leone Baxter and structure Whitaker and Baxter, Inc. in 1933. Another conspicuous supporter of this association was Clem Whitaker, Jr. ... Whitaker could never graduate, as in 1943 he stopped his instruction in the wake of joining the United States Army Air Corp to turn into a military pilot. After his release from the military in 1946 Whitaker would join his father’s firm, become an accomplice in the firm in 1950 and buying the organization in 1958 (Social Archives web). At the hour of its development in 1933 Whitaker and Baxter Campaigns Inc. was the country’s first political administration firm. While political battling had consistently been a confounded and severe field, it was comprehended that â€Å"with the adjustments in the twentieth century media condition expanded guide was expected to explore these intermittently unpredictable avenues† (Lathrop 12). This is the thing that the organization would give. The organization would experience various turns of events, however its essential movement was overseeing efforts for political applicants just as polling form measures. At other occurrence, the organization would likewise oversee corporate customers, contributing essentially to advertising efforts for Pacific Gas and Electric Co., Western Pacific Railroad, and Utah Construction Company. While the organization passed by the expansive name of Whitaker and Baxter Campaigns Inc., the association likewise included under its sponsorship the Whitaker and Baxter Advertising Agency and the California Feature Service. The element administration based on the individuals’ paper understanding and advertising capacity as it went about as a vehicle to more than 300 California papers; in such matters, it furnished the papers with kid's shows, articles, and publications that best in class the company’s open connection interests. It was through imaginative practices, for example, these that the organization would come to be exceptionally compelling in the domain of advertising and crusade

Napoleon Bonaparte The Man behind the Soldier Essay

Napoleon Bonaparte The Man behind the Soldier - Essay Example On the opposite side of the range, there are individuals who accepted that Napoleon was excessively brutal, relentless, exceptionally inflexible, and avaricious which prompted his inevitable defeat. Up right up 'til today, Napoleon Bonaparte, his victories, and his own life are as yet alive in the public arena through books including his life story which are concentrated in schools, through conversations and gatherings in schools, and through examination of the courses of occasions throughout his life. There is extraordinary investigation as to components or impacts which added to Napoleon's style of authority or to how he ran his realm. There is a blend of components that add to an individual's arrangement of activities, responses, and activities. Utilizing certain styles or techniques in any movement doesn't just consider the current circumstance or the current condition, it is made out of a mix of character, educational encounters including youth and youthfulness, and inclinations gained from introduction to the exercises and characters of relatives and companions. This paper intends to lead a talk on the variables and impacts of Napoleon's own life to the manner in which he ran his domain or to his decision style. It will initially introduce a presentation, trailed by Napoleon's childhood and his instruction. The third part is Napoleon's Marriage and Family then combination of the paper will be reflected in the Conclusion. The paper won't explain the French transformation or on the fights or successes of Napoleon, however it will just address brief sections of history to show the characteristics of Napoleon in the various phases of his life. Occasions identifying with military changes of intensity and the order of Napoleons ascend to power won't be purposes of core interest. Rather, pieces of Napoleon's life history will be introduced. Napoleon's Youth and Education Napoleon Bonaparte was conceived in the year 1789 on the fifth of August. He was conceived in Corsica in when France has quite recently crushed Corsica. After Corsica's destruction under France, Corsica rebels fled to the mountains where they proceeded with their battle. Napoleon's dad, Carlo anyway promptly demonstrated his help to French guideline. This irritated Napoleon and detested his dad for neglecting his Corsican legacy. It likewise made in him an abhorrence for the French individuals. Napoleon's mom, Letizia was a plain and extreme lady. She was no picnic for her youngsters and genuinely rebuffed them so as to instruct them order and penance. There were even occasions when Napoleon was sent to bed without dinner as discipline. His intrinsic feeling of order, respectability and discipline frameworks over the span of his rule as Emperor could in all likelihood be the impact of his mom who forced rigid guidelines on Napoleon and his kin. Carlo, Napoleon's dad turned into a Corsican parliament agent where he saw loftiness of the French court. He had the option to get a grant for Napoleon to learn at Brienne which was a private institute in France. In 1778, multi year-old Napoleon who could scarcely communicate in French went to France just because. He had a

Dragonflies, Suborder Anisoptera

Dragonflies, Suborder Anisoptera All dragonflies have a place with the request Odonata, as do their nearby cousins, the damselflies. Since there are particular contrasts among dragonflies and damselflies, taxonomists separate the request into two suborders. The suborder Anisoptera incorporates just the dragonflies. Depiction: So what makes a dragonfly a dragonfly, instead of a damselfly? Lets start with the eyes. In the dragonflies, the eyes are very enormous, so huge in actuality they make up the greater part of the head. The eyes regularly meet at the highest point of the head, or approach it. Next, take a gander at the dragonflys body. Dragonflies will in general be stocky. While resting, a dragonfly holds its wings open on a level plane. The rear wings seem more extensive at their bases than the fore wings. Male dragonflies will normally have a solitary pair of cerci at their rear closures, just as a solitary extremity anticipating from the underside of the tenth stomach fragment (called an epiproct). Female dragonflies frequently bear minimal or nonfunctional ovipositors. Dragonfly sprites (once in a while called hatchlings, or naiads) are altogether sea-going. Like their folks, larval dragonflies for the most part have stocky bodies. They inhale through gills situated in their rectums (theres a fascinating piece of creepy crawly incidental data for you), and can impel themselves forward by ousting water from the butt. They additionally bear five short, spiky members at the rear end, giving the sprite a somewhat pointed appearance. Arrangement: Realm †AnimaliaPhylum †ArthropodaClass †InsectaOrder †OdonataSuborder - Anisoptera Diet: All dragonflies are predaceous for an incredible duration cycles. Grown-up dragonflies chase different creepy crawlies, including littler dragonflies and damselflies. A few dragonflies catch prey in flight, while others will gather suppers from vegetation. Naiads eat other sea-going bugs, and will likewise get and devour tadpoles and little fish. Life Cycle: Dragonflies experience straightforward, or inadequate, transformation, with only three phases to the existence cycle: egg, hatchling or sprite, and grown-up. Mating in dragonflies is a genuinely gymnastic accomplishment, and which once in a while starts with the male scooping out his rivals sperm and hurling it aside. When mated, the female dragonfly stores her eggs in or close to the water. Contingent upon the species, the eggs may take anyplace from a couple of days to longer than a month to bring forth. A few animal groups overwinter as eggs, deferring the beginning of the larval stage until the accompanying spring. The sea-going fairies will shed and develop more than once, multiple times or more. In the tropics, this stage may last just a month. In mild territories, the larval stage can be extensively more, and even keep going for quite a while. At the point when the grown-up is prepared to rise, the hatchling moves out of the water and fixes itself to a stem or other substrate. It sheds its exoskeleton one last time, and the grown-up develops, looking pale and fragile in its teneral stage. The castoff skin that normally stays attached to the substrate is known as the exuvia. Unique Adaptations and Behaviors: Dragonflies work every one of their four wings autonomously, which empowers them to perform modern flying moves. Watch dragonflies watching around a lake, and youll see that they can take off vertically, drift, and even fly in reverse. The dragonflys enormous, compound eyes each comprise of around 30,000 individual focal points (called ommatidia). The greater part of their mental aptitude goes to handling visual data. A dragonflys scope of vision is about a full 360⠰; the main spot it cannot see well is straightforwardly behind it. With such sharp visual perception and able mobility noticeable all around, dragonflies can be dubious to get †simply ask any individual who has ever attempted to net one! Families in the Suborder Anisoptera: Petaluridae †petaltails, graybacks Gomphidae †clubtails Aeshnidae †darners Cordulegastridae †spiketails, biddies Corduliidae †cruisers, emeralds, green-peered toward skimmers Libellulidae †skimmers Range and Distribution: Dragonflies live all through the world, any place oceanic living spaces exist to help their life cycle. Individuals from the suborder Anisoptera number approximately 2,800 around the world, with over 75% of these species living in the tropics. Around 300 types of genuine dragonflies possess the U.S. territory and Canada. Sources: Borror and DeLongs Introduction to the Study of Insects, seventh version, by Charles A. Triplehorn and Norman F. JohnsonSuborder Anisoptera - Dragonflies, BugGuide.Net, got to November 23, 2012Anisoptera, University of Wisconsin BioWeb, got to November 23, 2012Dragonflies and Damselflies, Odonata, University of Florida, got to November 23, 2012Dragonflies and Damselflies of the West, by Dennis Paulson

Tips for Negotiating Medical Bills

Tips for Negotiating Medical Bills Tips for Negotiating Medical Bills Tips for Negotiating Medical BillsStaring down a mountain of medical debt can be scary, but there are steps you can take to try and reduce those bills!You know what sounds like a bad way to spend a day? Getting into some sort of medical emergency. No part of that is fun. And to add insult to literal injury, there’s a good chance you could end up with a medical bill that you are not prepared for or capable of paying.You may feel trapped by your inability to pay and worry that your only options are eternal debt or bankruptcy. And the stress will likely keep you from stepping back and seeing if there might be other ways to get out of your medical debt dilemma.If you’ve found this page because you’re struggling with medical bills, know someone struggling with medical bills, or are worried you may be struggling with medical bills in the future, we hope this advice may help make the situation more manageable.Get as much info as you can upfront.If you’re dealing with a medical emerg ency, there’s a decent chance you won’t be in the ideal position to get all the necessary information upfront. But the more information you are able to get, the better.“Ask for cost transparency or a discount upfront,” urged Ted Chan, CEO of CareDash (@caredash). “Many doctors and dentists are understanding and willing to help.”Assuming you are in a position to make choices about your medical care before undergoing treatment, those choices can make a massive difference in costs.“When it comes to costly medical bills for less invasive medical procedures or even minor surgeries, one way to negotiate a savings is to have it performed in an outpatient office or ambulatory surgical setting,” advised Beverly Friedmann, content manager for ReviewingThis (@ReviewingThis).“Surgeons have to pay high costs to rent out spaces in hospitals to perform surgeries, so if theres ever a way to safely have a procedure performed in-office, youll be looking at a much lower bill. You can ask your doctor what your options are, and if this is a safe route to explore. Its also important to remember the difference between a routine endoscopy and an appendectomy, as there are some procedures best limited to hospital settings.“If you are given a choice between general anesthesia and a less invasive form of sedation, its typically wise to opt for the latter for a few reasons. From a healthcare vantage point, milder forms of sedation are typically just as effective and come with much fewer risks. They also tend to be less costly, and require less downtime spent in the hospital. Less downtime means a faster discharge, which means a lower total bill. You can try and negotiate a milder form of sedation for less invasive procedures and act as your own advocate throughout the process.”Limit your stay if you can.In an ideal world, you would feel comfortable taking as long as you need to recover to full health before being discharged. Sadly, the current reality is that the lo nger you stay in the hospital, the larger your bill will be.“To save on costly hospital stays that can leave you in debt, being your own advocate is key,” explained Friedmann. “As soon as you enter an emergency room, try to calmly and collectively ensure your symptoms are addressed. If youre being admitted, try to refer to your rights as a patient and request a bed (politely) as soon as possible. Try to ensure you are discharged as soon as possible within the realm of what is safe and under your physicians directives. Ultimately, try to stress urgency without being pushy and exercising caution. Getting in and out safely and as quickly as possible will lower your total bill by as much as possible.”Get the full bill.There are a lot of mysteries when it comes to medical billing. Well, presumably someone who works for the provider understands the process completely. But you only have to do a little bit of research (or spend enough time in different hospitals) to realize that the re is often little transparency or consistency when it comes to medical billing in the United States.“Ask the billing department for the full, itemized billâ€"most hospitals/insurance companies send you the summary page,” advised Suzanne Garber, co-founder of the international hospital database  Gauze (@GauzeHealth). “Would you buy anything of any value (computer, car, home), without the full itemized statement? Of course not. Healthcare should not be treated any differently. Demand the full bill.”You should also be keeping track of whatever you can.“Retain all documentation for your care from beginning to end, including bills, medical records,  prescriptions, and receipts,” Chan suggested.Once you have the bill, you can make sure there weren’t any mistakes working against you. Paying for what you actually owe is tough enough. Why make it harder?“Check your bill thoroughly,” urged Leslie H. Tayne Esq. (@LeslieHTayneEsq), Founder and Head Attorney at Tayne Law Group (@taynelawgroup). “Ask for an itemized copy of your medical bills and make sure that you received each service you’re being charged for. Additionally, double check with your insurance company that you’re getting as much coverage as possible. Insurance billing codes change frequently, so errors are not uncommon and could be costing you more than you should be paying.”Do your research.We’re getting to the part where we tell you that you can attempt to negotiate your medical bills. But first, it’s a good idea to arm yourself with some knowledge.“Research the fair market cost of each procedure you’ve had done,” offered Garber. “HealthcareBlueBook.com and Bankrate.com offer free estimates on how much healthcare procedures may cost. Castlight Health also offers a subscription based service to compare prices around the country. Know, too, what insurance companies have contracts with the hospitals as each insurance contract nets a discount that can range between 20 to 8 0 percent.”Get to negotiations.Medical bills are often reduced or settled for less. Why not yours?“Armed with the full bill plus the average cost, you can intelligently speak with the billing manager to negotiate a better price,” explained Garber. “Oftentimes, you will receive 10 to 50 percent of the original bill. You can negotiate for a better discount by paying cash for the remaining balance; lesser discounts will likely have you working out a monthly payment plan.”Be sure that you have all the details in line so you’ll be negotiating from the strongest position possible.“Not many people think of trying to negotiate medical debt, but it is certainly possible,” Tayne told us. “First, make sure you’re the responsible party before discussing any payments. When looking to negotiate your debt, be prepared. Medical debt is inherently tied to hardship, so focus on the medical issue that landed you in debt in the first place. If you have a hardship, be prepared to dis cuss that and also go through your budget before calling so you know what you can and cannot do before having a conversation and feeling pressure to answer and agree to terms that may not make sense.”Ask for assistance.Sometimes you just have to ask for help. That might mean getting someone to guide you through the process.“A medical advocate can help work through and explain the medical billing process,” offered Tayne. “This may be a good option if you’re unsure or overwhelmed by the process. However, be aware that most medical bill advocates will charge a fee.”If you can prove you’re experiencing financial difficulties, there may be programs you can take advantage of.“There may be a hardship packet with the hospital that you can fill out, and you can request one if you haven’t seen it,” Tayne advised. “Most hospitals have a financial services department where you can complete a hardship packet, and the department should get back in contact with you relatively soon after you submit your paperwork. The hospital will let you know what costs will be reduced from your bill due to your hardships. You also may be able to negotiate for a payment plan. Many medical bills are interest-free so consider a payment plan in your budget as an offer to resolve the matter.”Hardship programs like these benefit the hospitals as well.“Some healthcare systems have a community or charity care center,” explained Garber. “Providing you meet their qualification of needing financial assistance, between 25 to 100 percent of your healthcare may be written off as charity. Ask for their definition and be guided to their portal to fill out the forms. You will likely be asked to show your bank balance as well as tax forms.”Bankruptcy?It should be one of the last options you consider, but bankruptcy exists for a reason, and there’s no shame in taking advantage of it if you have to.“If all else fails and you are unable to pay for your procedure, file bankru ptcy,” Garber offered. “Healthcare is the number one reason why Americans file bankruptcy for personal reasons and it’s an embarrassment as no other country on the planet makes its citizens give up everything they own in order to take care of themselves medically.”The best option is not having a medical issue at all. These are some other options to consider.Dealing with major life expenses can be difficult. If youre not prepared to handle them, they can easily deplete your savings, leaving you to rely on  short-term  bad credit loans  and  no credit check loans  (like  payday loans,  cash advances, and  title loans) to make ends meet. So start planning ahead now! To learn more about you can deal with major life expenses, check out these related posts and articles from OppLoans:What Would a Recession Mean for You?Should You Get Life Insurance?Emergencies and Divorce: How to Plan For Worst-Case ScenariosHow Do You Know When it’s Time to Help an Elder With Their Finances?Do y ou have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsTed Chan is the CEO of  CareDash (@caredash), a doctor review website used by more than 1 million patients a month.Beverly Friedmann works as a Content Manager for the consumer website  ReviewingThis (@ReviewingThis)â€"with a background in Sales and Marketing Managementâ€"and is from New York, NY.Suzanne Garber is the co-founder of  Gauze (@GauzeHealth)  the world’s most comprehensive database of international hospitals that informs and connects the 1.3 billion international travelers annually with appropriate care anywhere, Suzanne Garber also directed and produced GAUZE: Unraveling Global Healthcare, an award-winning, PBS documentary that highlights her journey to 24 countries, 174 hospitals and interviews with 65 healthcare experts. Her work as COO, International SOS and Managing Director, FedEx South America has taken her to 100+ coun tries and all 7 continents. Holding degrees with honors from the University of Pennsylvania and Rutgers University, Suzanne has been featured in US News World Report, The New York Times, Businessweek and hundreds of other media outlets/conferences that focus on globalization, risk mitigation, and international healthcare.Leslie H. Tayne, Esq.  (@LeslieHTayneEsq) has nearly 20 years’ experience in the practice area of consumer and business financial debt-related services. Leslie is the founder and head attorney at  Tayne Law Group  (@taynelawgroup), which specializes in debt relief.

Metaphor Examples

Metaphor Examples Metaphor A metaphor is a figurative device in which one thing is compared to another unlike thing. A metaphor directly compares the two things-saying that one thing is the other. This makes it different from a simile because a simile says that it is like the other. Examples of Metaphor: 1. That child is a bear when he is sleepy. 2. The dancer was a graceful eagle taking flight. 3. This pie is heaven! 4. You are my sunshine! 5. The book was an addiction-I couldn't put it down. Examples of Metaphors in Literature 1. "My lips, two blushing pilgrims, ready stand to smooth that rough touch with a tender kiss". Shakespeare, Romeo and Juliet 2. "But soft! What light through yonder window breaks? It is the east, and Juliet, the sun!" Shakespeare, Romeo and Juliet. 3. "Shall I compare thee to a summer's day? Thou art more lovely and more temperate." Shakespeare, Sonnet 18 4. There are several metaphorical comparisons in The Hunger Games series: Katniss is called the mockingjay; she is also girl on fire.