Budgets are developed months before the end of the current year and are best guess estimates of future performance. What do you think might be some pitfalls of budgeting, and how can they be avoided?
All human societies are characterized by multiple interlocking systems of social stratification. U.S. society stratifies its members according to, among other things, social class, biological sex, race/ethnicity, age, and, many sociologists now argue, consumer credit score.
Do credit scores diminish the life chances of low-income people?
Consumer credit scoring creates “risk profiles” for consumers based on payment history, debt, length of credit history, number of new credit accounts, and types of credit in use.
Because credit scoring doesn’t take into account race/ethnicity, age (usually), marital status, or income, some argue that the system is fair.
A common argument is that if a person has a low credit score, it’s because of his or her own irresponsibility. However, this argument ignores the link between consumer credit scoring and social class.
Low-income people are less likely to be able to pay their bills on time—the most important factor in the scoring system.
They are also more likely to have high debt ratios relative to income than their high-income counterparts.
Some sociologists argue that the consumer credit scoring system is an emergent stratification system that diminishes the life chances of low-income people while enhancing those of high-income people.
Let’s explore what these sociologists mean.
Fran has recently graduated from college with her Bachelor of Arts degree. She has student loan debt. She is underemployed, working as a manager in a retail store while she tries to find a better job. Her parents are very emotionally supportive of her, though they have limited financial means.
Between 2009 and 2013, 45% of recent college graduates were underemployed. This means they worked in a job that did not require a Bachelor’s degree.
Your student loan payment is due. Your mother’s car has broken down. She asks you for money for her car repairs so that she can get to and from work. (There is no public transportation in your town.)
You don’t have enough money to pay both bills.
you choose to repair your mom’s car, The student loan company has charged a late fee. Your credit score has also been lowered because you did not make the student loan payment on time. However, your mother is really grateful for your help.
You’ve been living with your mom since graduation, and it’s not your preferred situation. You decide to move out.
You find a perfect apartment. The price isn’t too high, and the complex even has a swimming pool.
However, because of your late student loan payment, your credit score has been lowered.
The landlord offers you the apartment, but only if you pay a $1,500 deposit. If your credit score were higher, you would have to pay only a $500 deposit.
You look for a different apartment
It turns out that all of the apartment complexes run credit checks and charge large deposits to people with low credit scores. In the end, the only apartment you can find that does not run a credit check is a rundown apartment in a bad part of town. When you move in, you have to have utilities turned on.
It turns out that utilities companies also run credit checks. Utilities customers with low credit scores are charged large deposits in order to have services turned on.
You end up skipping your next student loan payment to pay to have your utilities turned on, which further lowers your credit score.Over the past few decades, the consumer credit scoring system in the U.S. has spread to virtually all areas of life.
Initially used to estimate risk for banks giving loans, it is now routinely used by utilities companies, landlords, and even employers to rank applicants.Those with low scores may be denied housing, jobs, and other services.
In your spare time, you’ve been applying for and occasionally getting interviews for better-paying jobs at which you will actually use your degree.
You’ve finally been offered one of these jobs! You will be paid a salary instead of an hourly rate. The work is relevant to your degree, and the salary is adequate.
It turns out that the job offer is contingent on a background check, which includes a credit check.
I try my luck with the credit check.
I’m a little concerned that my future coworkers will somehow know about my low credit score, but I need this job, so I agree to the credit check anyway.
The job offer is rescinded
The job involves dealing with money, and the low credit score indicates to the prospective employer that you are a high risk for such a position.
Take a moment to reflect on the various choices you made in the simulation and their outcomes. one paragraph, discuss how both individual and societal factors influenced your decision making and how these decisions can be understood using sociological concepts.
You made it! You’re finishing up a difficult series of A&P courses! Take a moment and reflect on how much your knowledge of human anatomy and physiology has improved.
In your post, address the following questions:
- How will your increased knowledge of anatomy and physiology impact your chosen career?
- Did these courses improve your ability to think critically about patient scenarios?
- Is critical thinking important within your professional field?
In this assignment, you will research and complete an essay discussing why it is important to recognize that statistical evidence is not necessarily the same as truth. You will learn how people select and interpret data and investigate how graphs and other materials can be used to spin the truth.
In a 500 word essay (APA format), explain the characteristics of Anorexia Nervosa and Bulimia? Support your essay with scholarly resources.
In a 500 word essay (APA format), explain the importance of minerals in diet. Support your essay with scholarly articles.
Adolescent Development Through Film:
Assessment of Learning Task
Since Adolescence is such a complex time for physical, cognitive, and socio-emotional development, many exciting changes take place for many teenagers. However, this is also a time where a variety of problems may develop for adolescence due to the very same changes. Your task is to draw comparisons between the adolescent protagonist in an approved film and the topics and concepts covered throughout our Adolescence unit.
For This Assessment of Learning Task, we are learning to:
· Explore topics related to adolescent development
· Investigate, locate and select information relevant to adolescent physical, cognitive, and socio-emotional development using appropriate social science research and inquiry methods;
· Draw comparisons between the approved film and mental illness
· Communicate the results of our research and inquiry clearly and effectively, and reflect on and evaluate their research, inquiry, and communication skills.
To be successful on this Assessment of Learning Task, expertly complete the following steps:
1. Watch an approved film with an adolescent protagonist who also struggles with mental illness. We will watch a film as a class, but if you choose to watch a different film independently, you MUST get the film approved by me first.
2. Give a brief description of your chosen protagonist to provide context for your assignment: who are they, basic plotline (this would be similar to a movie summary that focuses on your chosen character).
a. Length for this section: 1 slide
3. Using Google Slides, complete an analysis of the protagonist by analyzing the following aspects of their development:
a. Determine and explain (with specific reference to the course, any of the types of development that apply to the protagonist:
i. Physical Development – is there any evidence of struggles or concerns that the protagonist experienced due to: puberty, physical growth (height, weight, proportion, etc). *Use your Google Slides notes to assist you here.
ii. Cognitive Development– is there any evidence of struggles or concerns that the protagonist experienced due to: formal operational thinking (Piaget’s theory), frontal lobe development, cognitive development concepts (attention, memory, processing speed, organization, metacognition). *Use your Google Slides notes to assist you here.
iii. Socioemotional Development – is there any evidence of struggles or concerns that the protagonist experienced due to: peers, peer pressure, self concept, Erikson’s Identity vs. Role Confusion, Marcia’s Identity Statuses, parenting styles, juvenile delinquency. *Use your Google Slides notes to assist you here.
iv. Minimum length for this section: 2 slides
4. Determine the primary mental illness that the protagonist is experiencing and analyze it based on the following prompts:
a. What is the mental illness? Provide examples that the protagonist exhibits.
b. What is the age of onset, signs and symptoms, prevalence, treatment, outcome? *Use the shared Google Slides on mental illness to assist you here. You MAY do additional research here as well. **Where possible, make connections between this information and your protagonist.
c. Minimum length for this section: 1 slide
5. Formatting tips:
a. Please create a ‘cover page’ on your first slide (with the APA cover page information – you can make it as visually appealing as you would like though)
b. Please use a combination of text and images to visually enhance your slides.
c. Please provide a References page for your researched information (other than class notes):
i. Please follow APA formatting rules for researched information
ii. Please include the URL for all images
d. Please remember to either paraphrase your information or provide direct quotes in order to avoid plagiarism.
e. Please carefully edit for spelling and grammatical errors.
MARKING SCHEME: Adolescent Development Through Film
K/U: /10 T/I: /10 C: /10 A: /10
Knowledge and Understanding
Assignment demonstrates a comprehensive, expert understanding of the Adolescent Development:
· The physical, cognitive and socio-emotional development of adolescence.
· Mental Illness in adolescence
· Expert and detailed connections are made between the concepts covered in the adolescence unit and the protagonist of the movie.
· Clear, concise and detailed connections have been made between the protagonist and the associated mental illness.
· Presentation has been written in the student’s own words.
· All information is presented with a high degree of written communication skills, with obvious signs of editing for spelling and grammatical errors.
· All information has been written in the student’s own words or has been properly quoted.
· Visual presentation is clearly organized, easy to follow and visually engaging.
· Visual presentation is a minimum of 5 slides.
· There is an appropriate balance of text, images and ‘white space’ in each slide throughout the presentation.
· APA formatting rules have been followed throughout.
Strategic management includes an analysis of a business’s current state. Continuing with your research of Caterpillar, Inc., you will leverage the business SWOT tool to identify and drive organizational strategic decision making and evaluate problem-solving strategies for the company.
Review the Strategic Management Project Background document (Below “Overview”)
Create a Word doc and title it Strategic Management Research Journal Part 2.
Write a 350- to 525-word response to the following prompts in your journal entry:
1. Conduct a SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis of Caterpillar, Inc. Each SWOT quadrant must contain 7-10 items, (this is not included in the 525-word count).
2. Analyze Caterpillar’s strengths and include specific examples based on your SWOT analysis findings.
3. Evaluate the weaknesses and threats for any common themes that might be a risk.
4. Compare Caterpillar’s weaknesses against its opportunities.
5. Propose problem-solving strategies to address Caterpillar’s weaknesses or threats that could be mitigated by a business opportunity or business decision.
Bottom of Form
The intention of the Strategic Management Project is to provide you practical experience with the elements of strategic management. The project is spread across the 5-week period of the course. Weeks 14 provide an opportunity to put key terms into practice by appraising the strategic planning elements of Caterpillar Inc. through documentation in the Strategic Management Research Journal. The Week 5 concluding assignment showcases your understanding of strategic management and improvement in the formulation of a presentation to Caterpillar Inc.’s leadership team.
For purposes of the Strategic Management Project, you will operate as if you are a new hire at the Caterpillar Inc. headquarters in the role of Assistant Strategic Development Analyst.
Assistant Strategic Development Analyst Job Description
· Maintain a Strategic Management Research Journal in which you:
· Appraise Caterpillar Inc.’s corporate data, competitors, and associated business information.
· Document background information to include previous and current strategic management of Caterpillar Inc.
· Assess the strengths and weaknesses of strategic management of Caterpillar Inc., based on your analyses, and provide information in a presentation to Caterpillar Inc. leadership.
· Recommend strategic management actions to ensure future success in a presentation to Caterpillar Inc.’s leadership team.
About Caterpillar Inc.
Caterpillar Inc. is a leading manufacturer of construction and mining equipment, diesel and natural gas engines, industrial gas turbines, and diesel-electric locomotives. Caterpillar’s enterprise strategy focuses on solutions to help customers build a better world and allows the company to deliver profitable growth for their shareholders. The company’s corporate governance program ensures they serve the interests of stockholders and other stakeholders with the highest standards of responsibility, integrity, and compliance with all laws. Caterpillar’s global presence, product breadth, and financial strength enables the company to be competitive in today’s global marketplaces.
Discussion: Parenting and Substance Abuse
As a social worker, you will meet children and adolescents who are in complicated family situations and may require a variety of resources for support. There are many times when these situations involve drug abuse, domestic violence, child abuse, and/or neglect. If these factors are present within a child’s or adolescent’s environment, it will impact their development. As mandated reporters, social workers are legally required to report any suspicion they have of child abuse or neglect to local authorities in an effort to ensure a healthier environment within which they can grow.
For this Discussion, review the case study “Working With Clients With Addictions: The Case of Barbara and Jonah.” Consider this week’s reading in the Learning Resources.
By Day 3
Post an explanation of influences of Barbara’s and Scott’s substance use on Jonah’s future development. Describe an intervention that you would use for Jonah if you were the social worker in this case. Please use the Learning Resources to support your answer.
- A 65-year-old patient is 8 days post-op after a total knee replacement. The patient suddenly complains of shortness of breath, pleuritic chest pain, and palpitations. On arrival to the emergency department, an EKG revealed new-onset atrial fibrillation and right ventricular strain pattern – T wave inversions in the right precordial leads (V1-4) ± the inferior leads (II, III, aVF)
Assignment (1- to 2-page case study analysis) In your Case Study Analysis related to the scenario provided, explain the following The cardiovascular and cardiopulmonary pathophysiologic processes that result in the patient presenting these symptoms. Any racial/ethnic variables that may impact physiological functioning. How these processes interact to affect the patient.
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