Q1
Read the information on viatical insurance at Pros And Cons Of Viatical Settlements. Take a position on whether you support or oppose viatical insurance. What is the role of courts in being a referee for activities related to viatical insurance?
Q2
Be sure to complete this week's readings on Loose Parts prior to reflecting on the questions below.
• Who originated the idea of "loose parts?"
• Look up and share additional information on "loose parts" and in particular the use of this practice as part of therapeutic play.
• Discuss the reasons why "loose parts" is a valuable technique to use with children in health care settings.
Q3
Topic 1: Low Rate Wireless Personal Area Networks (LR WPANs)
A wireless personal area network (WPAN) is a personal area network for interconnecting devices centered around an individual's workspace. A Wireless Personal Area Network (PAN) uses two kinds of wireless technologies, Bluetooth, Infrared Data Association (IrDA) and Zigbee. List the different WPAN standards and their applications and explain how each work
Topic 2: High Rate Wireless Personal Area Networks (HR WPANs)
High-rate wireless personal area networks (WPANs) operate in the 2.4 GHz band supporting data speeds ranging from 11 Mbps to 55 Mbps. The high-data rates provide wireless connectivity of multimedia-capable wireless devices. Describe the characteristics required by 802.15.3 applications.
Q4
The following "attributes of friendship" are found prevalent in research: Respect, trust, responsiveness, capitalization, social comparison, and social support. On page 89 in the Dwyer readings for this week, there are five types of relationship power identified. Think of the significant friendships you have experienced in your life.
o Which of these attributes are most important in your friendships and why?
o Are the attributes you have chosen as most important now the same as those you would have chosen earlier in your life?
o Please describe how relationship power works in your personal friendships.
Q5
- From the viewpoint of your organization, discuss the concept of demand as it applies to your organization.
- Next, choose a resource or activity that is forecast in your organization and address why achieving results significantly different than the forecast can be a potential problem for your organization.
- How does (or should) your organization measure forecast accuracy? What would you do differently to improve forecast accuracy in your organization.
Q6
- Supplier selection is among the most critical in managing supply chains. Our discussion will guide us in developing tools which monitor the financial health of a supplier. Our text discusses the Z score in Chap 6. What does the Z score do? Please conduct some Internet research and support your comments with a brief overview of supplier bankruptcies in the news. Were there red flags that were not seen before a supplier went out of business?
- While supplier risk is often the most concerning, what about demand risk or process risk? Consider examples of demand risk on Table 7.2 and process risks on Table 7.3. Select at least two, but no more than three examples from each and offer your perspectives on ways to mitigate their negative impact.
Q7 Topic: impact of social media on mental health in teenagers
Read through the following to understand what to do in your post:
Full Answer Section
Reasons for Caution:
- Reduced or Eliminated Death Benefit: The beneficiaries of the life insurance policy will likely receive a significantly reduced amount or nothing at all. This is a major trade-off that needs careful consideration.
- Potential Impact on Public Assistance: The lump sum received might disqualify the individual from receiving or affect the amount of Medicaid or other public assistance benefits.
- Risk of Unfair Offers: Vulnerable individuals might be susceptible to accepting offers that are significantly below the actual value of their policy if they are not well-informed or working with a trustworthy company.
- Complexity of the Process: Navigating the viatical settlement process can be complex, requiring careful evaluation of offers and understanding the terms of the agreement.
Role of Courts:
Courts have a crucial role to play as a referee for activities related to viatical insurance to ensure fairness, transparency, and protection for policyholders, particularly those who are ill and potentially vulnerable. This role can encompass several key areas:
- Establishing and Enforcing Regulations: Courts can interpret and enforce state and federal regulations governing the viatical settlement industry. This includes licensing requirements for providers and brokers, disclosure rules, and standards for fair pricing practices.
- Resolving Disputes: Courts provide a forum for resolving disputes between policyholders and viatical settlement companies regarding the terms of agreements, alleged fraud, or unethical practices.
- Overseeingiduciary Duties: In cases where brokers or other parties act as fiduciaries for the policyholder, courts can oversee their actions to ensure they are acting in the best interest of their client.
- Addressing Fraud and Misrepresentation: Courts are essential in prosecuting cases of fraud or misrepresentation by viatical settlement companies, protecting individuals from predatory practices.
- Reviewing the Reasonableness of Settlements: While it might be challenging to dictate specific pricing, courts could potentially review settlements in cases where there is clear evidence of unconscionable or exploitative offers, especially involving individuals with diminished capacity.
- Setting Legal Precedents: Court decisions in viatical settlement cases can establish legal precedents that guide the industry and provide clarity on the rights and responsibilities of all parties involved.
In essence, the courts' role is to provide a legal framework that promotes ethical conduct within the viatical settlement industry, protects vulnerable individuals from exploitation, and ensures a fair and transparent process for those who choose this option. Strong judicial oversight is necessary to balance the potential benefits of viatical settlements with the inherent risks involved.
Q2: Loose Parts
- Who originated the idea of "loose parts?"
The concept of "loose parts" is attributed to architect Simon Nicholson in the 1970s.
- Look up and share additional information on "loose parts" and in particular the use of this practice as part of therapeutic play.
Simon Nicholson's "Theory of Loose Parts" (1971) posits that the degree of inventiveness and creativity in an environment is directly proportional to the number and kinds of variables in it. He observed that children are often more engaged with open-ended materials that can be manipulated, moved, combined, and redesigned in countless ways, rather than with fixed, purpose-built toys.
Sample Answer
Q1: Viatical Insurance
Based on the information provided, there are both potential benefits and drawbacks to viatical settlements.
My Position:
I lean towards a cautiously supportive stance on viatical settlements, provided there is strong regulation and oversight to protect vulnerable individuals.
Reasons for Cautious Support:
- Access to Immediate Funds: For individuals with serious illnesses facing high medical costs or needing to improve their quality of life, a viatical settlement can provide a much-needed lump sum of cash when they need it most. This can alleviate financial burdens during a challenging time.
- Flexibility in Spending: The cash received can be used at the policyholder's discretion, whether for medical care, long-term care, living expenses, or other personal needs.
- Relief from Premiums: Selling the policy relieves the policyholder from the ongoing burden of premium payments.
- Tax-Free Status: In most cases, the proceeds from a viatical settlement are not subject to federal income tax, allowing the individual to retain the full benefit of the funds.