Marine Insurance

MARINE INSURANCE Marine insurance is the indemnity for the loss of cargo or damage to ships during the shipment. The risks that marine insurance covers are fire, seizures, wars, accidents or causalities which take place over the sea. The winds and waves are not included as risks in the marine insurance. The Indian Marine Insurance Act, 1963 is imbibed from the Marine Insurance Act, 1906. Though the Marine Insurance Act is deep in its insurance coverage, it does not provide for losses that occur while the ship is sailing the waters.This has led to the introduction of another insurance called the Marine Cargo Insurance, which provides for losses to cargo while the ship is sailing the waters. This is very beneficial to oil tankers and heavy cargo ships. Types of Marine Insurance Since Marine Insurance is very vast, it provides for various types of insurance as per the need, specification and requirement. They are: Hull  Insurance  Ã¢â‚¬â€œ This insurance covers for both vessel and i ts apparatus such as fuel, tools, furniture, machinery etc. Freight Insurance  Ã¢â‚¬â€œ This insurance usually covers for the loss of freight.If the goods are safely shifted to the destination port, the owner of goods will have to pay the freight charges but if the ship faces any damages and losses, the shipping company will be under loss. Hence this insurance becomes a necessity to the owner company Cargo Insurance- This insurance covers the personal goods of the passengers and crew of the ship. It also covers the goods that are transported. Liability Insurance  Ã¢â‚¬â€œ This is the insurance which is utilized when the insured suffers losses due to liability to third party.This liability may be caused due to risks such as collision of ships or any other similar causality that may take place in voyage. Types of Marine Insurance Policies There are various types of marine insurance policies that the assured can opt for: Time Policy- This policy is taken for a time period of usuall y  one year Voyage Policy  Ã¢â‚¬â€œ This policy coverage is given only for a particular voyage say from starting point to the destination. Mixed Policy  Ã¢â‚¬â€œ As the name suggests it is a mixture of both voyage and time policy. Valued Policy  Ã¢â‚¬â€œ In this case, an additional fixed value is mentioned in the policy itself along with the value of goods.For example, along with goods the charges can also be added such as freight charges and shipment charges. Unvalued Policy  Ã¢â‚¬â€œ Here no additional charges are mentioned. It is decided after the incident after proving it. Floating Policy–This policy is beneficial to exporter who provides regular supply of goods. This policy is taken for large sum of money for numerous shipments. Other Important Pointers: * Marine insurance is available in all general insurance companies. * The insurance amount may vary from one company to another. It is important that the insured makes a note of the coverage made by the insuran ce companies as few companies may not cover all the losses of the shipment. * With the increasing attacks by pirates and natural calamities, it is important to have a marine insurance that takes care of the risks aboard. PROGRESSIVE INSURANCE COMPANY. What is marine insurance? Insurance against loss or damage to cargo goods and merchandise during land transit/sea voyage/air transport from and to Cyprus. Insurance for shipments not involving Cyprus can also be provided. Prospective clients:  For all merchants, manufacturers, importers and exporters.TYPES OF POLICIES AVAILABLE Individual Policies:  One shipment of goods for one voyage I. E. â€Å"One Off† risks. Annual Policies:  Suitable for an irregular flow of business, deposit premium based on turnover, declarations at agreed intervals, annual adjustment and renewal. Permanent Open Covers:  Suitable for a regular flow of business, automatically covers all goods specified, declarations at agreed intervals, policies a nd premiums debited at agreed intervals. TYPES OF COVER AVAILABLE Institute cargo clauses (A):  Widest form of cover available, insures â€Å"all risks† with stated exclusions.Institute cargo clauses (B):  Restricted form of cover, insures against major accidents to carrying vessel or conveyance, can include specified additional perils. Institute cargo clauses (C):  Most restricted form of cover, insures against major accidents to carrying vessel or conveyance only. War and strike clauses:  Standard extension available   for (A), (B), and (C). Duration of cover:  Warehouse to warehouse during ordinary course of transit. Rates:  Individually assessed on merit, no tariffs other than war risks and overage of vessel. For commercial goods the sale contract governs the needs of sellers and buyers for insurance.

Problem and its Background Essay

Man’s progress is measured through the advancement of Science and Technology in different fields especially in business arena. Through the years, many business establishments were built and organized to boost their business operation. Almost all types of business may it be small, medium or large scale are trying to take advantage of this technology. This means less paper works for office employees and even fewer employees for some organization seems to depend on its ability to utilize computer technology at its fullest. Presently, automation is one of the leading industry in the country today. Since technology changes rapidly and demands for machines are rising. There is a need for a basic understanding of computer technology , this understanding enables us to be comfortable in an increasing computer oriented environment by removing the fear with the unknown that many people have about the computer. One of the benefits of the system is it provides a prompt computation and accurate enough within a certain design space, especially for time-consuming manual process. New users often fret over the potential for lost data due to system malfunctions with a well designed and tested backup scheme and disaster recovery system, a computer-based record is much more reliable and less prone to data loss than conventional paper-based records. Record access can be restricted and monitored automatically. Provided that data are structured and coded in an unambiguous fashion, programs can continuously check and filter the data for errors, summarize and interpret data, and issue alerts and/or reminders. Once in electronic form a data can be linked to reference information stored and maintained locally or, via the internet. If the electronic record is integrated, then all data is immediately available to all practitioners regardless of their physical location as soon as the data is entered into the computer. The health care environment is currently undergoing a revolution. A rapidly growing cost of providing medical care are forcing hospital to merge at an increasing rate in order to consolidate the types of services offered. The cost of the new technology is also requiring a hospital to reevaluate their mission to the communities they serve. Originally no specialized users were contented with common tasks such as paper, ball pen, typewriter and file cabinet to perform their jobs. These people could satisfactorily accomplish their tasks without computer technology, but these situations have change dramatically. With the new technology, hospitals provide faster more accurate and more convenient services to their patients. Background of the study San Juan District Hospital is the only government hospital in this part of Batangas. It is a 25 bed capacity secondary government hospital that was established by virtue of Republic Act 3956. A Puericulture Center has been offered by concerned citizen of the town headed by Mrs. Marietta O. De Villa as the first hospital building. It is a two story building with a floor area of roughly 200 square meters which was . approved by the Department of Health. The National Aid Budget was first released under TW# 804-039288 dated June 11, 1975 and received on June 20, 1975 in the amount of P 105,645. 00. With this financial source, organization of the hospital was immediately approved of about 13 hospital items/positions. The hospital was opened to the public on July 1, 1975 for consultation services only, headed by Dr. Marciano Marcellana as Chief of Hospital. The catchment areas of this hospital are San Juan Rural Health Unit I & II, Rosario and Taysan. In the year 1982, the Trivino family donated one hectare of farm lot for the construction of new hospital building at Barangay Talahiban 2nd, San Juan, Batangas. The hospital then transferred to the new site year 1988. In April, 1993 with the implementation of Republic Act No. 7180, otherwise known as Local Government Code of 1991, San Juan District Hospital was devolved to the Provincial Government of Batangas under the immediate supervision of the Provincial Health Officer. In 1999 as part of the government’s computerization program the San Juan District Hospital received computers from the local government. The hospital had a payroll system on 2001. MISSION: Development of health conscious and healthy families and communities thru partnership with the people by the provision of the four ACES: availability, accessibility, affordability, acceptability and omnipotently guided health care services. VISION: A socialized medicine for the Batanguenos especially the underpriviledge. GENERAL OBJECTIVE: Further uplift the health of the people particularly Batangenyos through curative, promotive and preventive aspect of health care delivery. Conceptual Framework Feedback Fig 1. Conceptual Paradigm Examination of Conceptual Paradigm The system is â€Å"San Juan District Hospital Management System†. It is intended for the operations inside the hospital which caters Billing and Record Keeping of patients. The users include the administrator who has full access of the system. The cashier, one who receives the payment of the patients. The Billing Clerk computes for the bill of patients, Chief of Billing verifies and updates records in case invalid data was inputted and also verifies the eligibility for discount of the patients. The encoder, one who adds record concerning billing. The nurse gathers the information from the patient including the patient’s picture then it is turned over to the record officer for storage and safekeeping. The encoder is the one to add patient records. The record officer verifies and update the records of the patient. The nurse in each station could only view the information regarding the patient. In Patient’s Information the users gather the patient’s record such as the patients name, disposition, diagnosis and etc. On the other hand in Billing, the user entails the medical Transactions as well as the medical supplies consumed by the patient. All of the medical transactions as well as medical supplies consumed by the patient are submitted to the billing section. The adoptability of San Juan District Hospital Management System: Reliability-refers to the dependability and precautionary measures of the system. -The system provides accupate information on the billing of patients – The system provides useful information regarding the patient’s record – The system provides accuracy and consistency in the patient record – The system provides an accurate computerized print out of records – The system minimizes the work load of the users Security-refers to the accessibility of the users to the system. – The system provides log in and log out forms for an improved security – The system provides the ability of the admin to access all the functions of the system – The system provides user level like the administrator, record officer, cashier, etc. – The system provides restrictions appropriate for the type of user – The system provides system management the user account by using add, edit and delete functions. User Friendliness-refers to the simplicity and understandability of the system. – The system provides an easy to understand visual user interface – The system provides an interactive help system for easy usage – The system makes use of shortcut buttons for easy system navigation – The system makes use of proper colors and fonts suitable interface environment – The system provides a confirmation message for the confirmation of the action. Efficiency-refers to the competence of the system. – The system Provides a search engine for fast retrieval of informatio – The system Makes use of the add, edit, delete functions for easy information updates. – The system Speeds up the work of the users – The system Simplifies the record keeping and record handling of the hospital. – The system Speeds up the patient and hospital transactions The data gathered from the devices is then processed by the system. The devices include printer which is use to produce hard copy of receipts as well as reports. Since it is an integrated system it needs a LAN Card for networking. WebCam to input pictures of the patients. This leads to gathering of Timely reports for Billing. It also generates Patient’s Record by request. The system is insignificant if it has no benefit. The system Accelerates work in generating Bill Reports as we all know that waste of time effort in every business means a lost in their assets. It could easily keep track of information regarding the patients bills since it is presented timely and it also enhances the quality of work since the production of inaccurate reports would be lessened. It also lessens time and effort in looking for the patient’s record in a logbook and filling cabinet. The users could easily manipulate the system because it is presented in a user friendly environment. Statement of the Problem 1. What are the profile of the respondents? a) Position b) Computer Literacy 2. How do the respondents perceived the current way of retrieving information? a) Filling Cabinet b) Index Card 3. How do the respondents perceive the current way of generating bill reports? a) Manually generated receipts 4. How do the respondents perceived the idea of having â€Å"San Juan District Hospital Management System† based on the ff: a) Reliability b) Security c) User Friendliness d) Efficiency 5. How do the respondents perceive the applicability of San Juan District Hospital Management System? Scope and Limitation of the study The system consists of computerized billing and record keeping system. Only authorized persons is able to access these processes through the use of passwords. The nurse of each workstation has limitation in using a system due to the hierarchy of authority. Each of these has data storage, data entry and report generation. It is in LAN Based. Billing System consists of the invoices of the patient. It generates timely reports as well as printing of receipts. This incorporates the laboratory charges and medical supplies used. Provided that the medicines are bought inside the hospital. It also computes for the discounts such as PhilHealh, insurance and etc. This does not include monitoring of the profit earned by the hospital. It does not include payments with the use of credit cards. Record Keeping System encloses only the In-patient and out-patient’s personal information that would be needed for the diagnosis such as the name, ailment, gender,picture and etc. It also encompasses the laboratory results of the In-patient which is attached to nurse records through the availability of computer in the laboratory. Importance of the Study Giving latest innovation with the use of computer integration, the proponents have arrived in the best possible computer integration assets by the creative minds in achieving optimum success. The system provided a design model for the better, effective and efficient processing of the system. This system intends to help the San Juan District Hospital in the processing of the needed data and documents. This system can perform tasks of an individual in an accelerated manner so it could increase job performance. It reduces manual process and so it could minimize human errors. This system is made easily for the user, so they can easily adopt. It minimizes the paper works of the person in charge in monitoring. It enhances the quality of work, since the production of inaccurate reports would be lessened if not eliminated. The processing can change the way the user operates. In addition, the system solves time and labor, the processing can lead to benefits such as improve services and control flow. The system can improve the processing of the hospital. The data can be access easily and the reports could be made available anytime the clients need it. The importance of the system primary focuses to meet and satisfy the given objectives of the system. This system is undertaken by proponents in order to adopt in a more advance techniques that are currently use in some offices and institutions. The finding of the system should be able to be of great help to the billing section as well as to other departments to take a direction towards modern computerization. Therefore, a lot of effort and time would be saved. It is a great advantage for San Juan District Hospital for the reason that the client could avail a good service and marks for the reason to help more organize and punctual to their tasks so they could do their responsible well. Definition of Terms Administrative Department- responsible for the operation of the entire institution. Anesthesiologist- a doctor who supervises the use of drugs for the relief of pain during surgery. Charge Nurse – A registered or licensed practical or vocational nurse assigned to be in charge of a nursing unit. Custodial Care – Basic care provided on a 24 hour basis that meets an individual’s basic physical needs; simple assistance or total care may be needed. District or Community Hospital- serves larger population centers such as towns and large cities. Geriatric Hospital- hospital that accommodates the older population segment. Hospital – A health care facility that has a governing body, an organized medical and professional staff, and inpatient facilities and provides medical, nursing, and related services for injured patients. Inpatient – A person who has been admitted at least overnight to a hospital or other health facility. Intensive Care Unit- unit where an intensive monitoring and nursing is provided for seriously-ill patients. Laboratory- hospital unit where tests are conducted to help doctors in the diagnosis and treatment of illnesses. Level of Security Password Access-the persons who can only access one computer. Maternity Units- hospital unit that help protect mothers and infants from infection. Medical Units- units for patients who are required treatment by drugs. Medication-treatment of an illness using drugs. Medicine card-patient medication with corresponding time. Medical Prescription-covers the doctors medical prescription to his patient. Medical Records Department- keeps records on every patient. Networked-A state of being physically connecting 2 or more computers to create a communication and data exchange system. Nurse-somebody trained to look after sick and inured people,especially somebody who works in a hospital or clinic,administering the care and treatment that a doctor prescribes. Nurse note -a form a sheet which nurses ask to record their observation and report. Nursing staff- form the largest group on the patient care system. Outpatient – a patient who is receiving ambulatory care at a hospital or other facility without being admitted to the facility. Patient Record System-covers the processing of the information pertaining to the patient. This system stores all the details about her patient. Radiologist- directs a hospital X-ray and other imaging services. Surgical Unit- hospital unit for patients necessitating surgery. Ward- a room where a patient stays while receiving treatment. Acronyms CVD- Cardiovascular Disease CBC- Complete Blood Count DR- Delivery Room FBS- Fasting Blood Sugar ICD- International Code of Diseases ID- Once Daily LAN-Local Area Network MGH- May Go Home OPD- Out-Patient Department OR- Operating Room ORT- Oral Rehydration Therapy PC- Platelet Count QID- Four times a day RBC- Red Blood Cells RHU- Rural Health Unit RX- Prescription SE- Stool Exam UE- Urinalysis SWO-Social Welfare Office CHAPTER II Review of Related Literature and Study Local Study A study states that â€Å"It generates multiple reports for every department of Kolin Plant†. (Comia, 2005) The system concentrates and focused on the development of computer-based system. The system also includes generating of reports. In relation to this study, the researchers provide a computerized Monitoring System for J07 construction supply and services. The system includes the monitoring of the incoming ; outgoing raw materials ; updating of raw materials. The system also features the capability to print out file information like the available and consumed stocks. It monitors the total number of product that are sold ; unsold ,; update sales ; record of accurately . It also serves as a feature of assigning of prices to a particular item ; automatically detecting the required products for recording . It also has features of monitoring the daily sale of market. In relation to this study, the researchers developed a computerized Monitoring System for J07 construction supply ; services. The system includes the monitoring of the incoming and outgoing raw materials and updating of raw materials. A study (Edralin, 2003) states that small company as we can see majority of the business uses computers with also included the use of computerized system in order to achieve their goal and to lessen in the manual process in the business. As they believe using computer makes the business flow smooth and faster and we can’t regret for what they believe because as far as we know it has been proven for many times in many aspects of business. It provides the data needed for automation and computerization of its sales monitoring system. It also supplies the company a better system that benefits each and everyone on the company as a whole. According to Lee (2004) In this hospital Admitting and Centralized Billing System aims to develop a system that would monitor the room availability, speed up the processing of readmittance and would decentralized the exchange of patient’s record. Included in the system is a work area that provides a faster and easier method of adding, viewing, modifying and deleting of reports. This study focuses in admitting and billing system of patient. It has own data entry and report generations. Reports include the following. In-patient bills, in-patient information and last of patient. LAN setup is notr tackled in this study. According to Rogelio D. Rivera (2006) I usually design a system design requested when there is some dissatisfaction present in the system. In the system in this book Analysis of Data Management stated that â€Å"No system can be devised which is full proof against personnel which do not know or make property in developing a system, a process is set to meet the dissatisfaction of the present system, on the part of the beneficiaries such as the personnel and applicant, the new system should at least give them the ease of maintaining a fast and better procedure on handling records. A study (Augusto ,2003) wrote in this national press academic entitled â€Å"Reduce medical error requires Computerized Patient Information System† stated that to significally reduce the tens of thousands of deaths and injuries caused by medical errors every year, health care organizations must adopt information technology system that are capable of collecting and sharing essential health information on patients and their care, says a new report by the institute of medicine of the national academics. These systems should operate seamlessly. As part of the national network of health information that is accessible by all health care organization and that includes electronic records of patient’s care and secure platforms for the exchange of information among providers and patients and data standards that makes health information uniform and understandable to all. Foreign study A study (Monlb, 2002) states that the reality of today’s medical world is that cost effective, efficient management of receivables is a major challenge. Successful relationship with their client have Medical Data Systems an industry leader in revenue management Services. Specializing in secondary collection of hospital allow end professional fee billing, medical net-System has the solutions to today and tomorrows challenges. It has maintained an excellent reputation through out its 14 year history currently employing over 150 staff members at 6 locations throughout the Southeast and Southwest. We pride ourselves on or seminar-oriented, peer cooperative working relationship with a clients. The ultimate goal is to design a unique management services package to match the needs of our practice of facility. They work closely with you to assess your intimations, analyze and evaluate your specific requirements and faster solution to your need. Through over 14-year history of medical billing they have observed that professional fee-components billing is time-consuming laborious process that detracts the hospital billing staff that detracts the hospital billing staff from their more comprehensive compliance issues required for the much lower value professional claims is often not a cost effective undertaking for a medical facilitating they have developed an intermediate information system, which is utilized as a holding database between the hospital and their billing system, which screens information for discrepancies and incomplete data prior to exportation into their billing system. This yield information into their staff to concentrate on the aged receivables. The Resident Care System is a computerized medical record system designed to reduce the amount of hand written paper works required to maintain resident and nursing center records. (Moshida, 2004). It is a computerized medical record that prevents lost of productivity, improve clinical accuracy and charge captures. Experts are taking its institution’s paperless and tell the benefits of the next level of efficiency that are being delivered to the HIPAA V. DRUG Info today. All stakeholders in healthcare organization and caregivers, consumers, purchasers, payers and policy making are focused in the orientation of medical errors and weighing the health care providers involve. Thousands of people did it every year as a result of Adverse Drug Event (ADE). The result is efficient, high-quality care. In relation to this study, the system reduced paper works and avoids loss of files or manipulation of medical information/records. A study (Peters,2004) wrote the System Analysis and Design refers to the process of examining a situation and deciding whether improvements is deserved or feasible. The intent of the system investigation is to study a business process and evaluating it. Manage should be a result, not an â€Å"intent†. In developing a system, a process is set to meet are the dissatisfaction of the present systems on the part of the beneficiaries, such as the personnel and the applicant, the new system should at least give then the ease of maintaining a fast and better procedure on handling records. According to William, (2002) A system is combined with a function or purpose and each person thinks in terms of the job he or she is trying to accomplish. It is necessary to explore alternative ways of some changes to be made. Manage should be a result, not an intent. † It is impossible to set standard for handling applicant and employees records. The only matter to be considered is simply developing the best system which is set to meet the requirements of file handling and management. In this book the way of doing something to see if the method should continue as is modified slightly completely revised. A study Henry F. Korths (2003) states that: â€Å"The system should produce meaningful results quickly. This usually means action reports an a basic on immediate responses to inquiries. It does not eliminate entirely the traditional historical aspect, but it does not mean, that such reports most supplement with current oriented reports† Local Literature According to the article â€Å"Asian Hospital uses new info system for faster, efficient transactions â€Å"(Veroy Robert,2006) states that the system, called Hospital 2000, is highly-specialized software that integrates the hospital’s various systems into a single platform and one database. Hospital 2000 takes account on specially-designed programs that will facilitate the hospital’s internal transactions to better serve the inpatient and outpatient populations. â€Å"Running a modern hospital requires proper data facilitation and accurate system management to deliver efficient and real time transactions particularly between doctors and patients. That’s why with this new system, we are now at par, if not better, than any other hospital in the Asia-Pacific region,† said Pamela Robinson, Asian Hospital CEO and President. The system, according to Asian Hospital Director for General Services Joel Garcia, has three major components covering administrative, clinical and imaging activities. Furthermore, the system takes care of the hospital’s financial records, purchasing, recording functions, and on-line ordering system for the nurse’s station. Hospital 2000 was specifically made for Bumrungrad Hospital, a Bangkok-based healthcare facility, in 1998. Asian Hospital recently sealed a partnership with Bumrungrad International in an effort to upgrade its existing facilities including the hospital’s information and communications technology system. The need for efficient records management and information service in the administration of justice in the Philippines, may be addressed through IT. It is interwoven into almost every hand of the country’s social fabric and the judiciary is not exempted Chief Justice Andres Narvasce said that â€Å"the benefits of using an Information Technology in judicial system is readily apparent†. An article in Metropolitan times, Volume No. 27, states that the high court created the computerization committee tasked with the automation of the Supreme Court. The committee’s first task include the installation of a Case Administration System (CAS). The CAS links the different offices with are primary concerned with the supreme counts judicial work through a Local Area Network. According to Sacobel (2004) the progress is significant because it is capable of decongesting the back loss of cases in the courts. The chief justice believes that if the case is available and the system prepared to use it, then it becomes simply a matter of you providing the necessary logistical support. The high tribunal is currently proposing revisions in the laws in production with the objective of simplifying procedure. Though there will be substantial changes. They are intended to harmonize the rules in this area of the law and simplify the work of lawyer and judges. This would translate into faster more efficient case disposition and overall improvement of justice system. A popular author of Accounting Parsin (2005), states in his book that business organization are using computers to improve their efficiency and reduce their cost of operation. Reports are more timely and accelerate computer have manipulate and recall data to the form , all users wishes to use with the introduction of microcomputers computation of business is more affordable. He also stated that computers are beneficial to the improvement of the company. Reduce time, effort and money. Computers play a major role in every company for their improvement and giving quality service to their respective customers. According to Chua (2003) it pervades every aspect of our lives. Ti has become ubiquitous and essential for developments. The information technology embarks the passage of our time. It is necessary to adapt to response our changing needs. It corresponds to the unfolding body of knowledge which is now being sensible anywhere. Information Technology nowadays becomes a necessity, OLE to the beneficial aspect it brings in human life. It tends to keep daily routines efficient, accurate and timely to the needs depending to the needs of people. According to Simons (2006) as Information Technology continues to burst, it gives attention to different aspect of the needs of the user. â€Å"In this tech-driven age, scientific break through made practically everyday as a science and technology march forwards to the proverbial leads and bonds†¦Ã¢â‚¬ . The prolongation of this breakthrough gives convenience life to the users, which signifies the progress of computerization. It comes in different aspects in offices, hospital, establishments, even at home. Thus, computerized information system is a phenomenon to handle, for it adapts to relevant needs to different people. Foreign Literature An article entitled China’s Computer-aided Hospital Management System( Chih-Ho Yu & Ning Huang Washington,2004) states that China – Computer Hospital Management System 11/30/94 BEIJING, CHINA, 1994 NOV 30 — A computer-aided hospital management system has been developed by Xinyuan Electronic Corporation, a subsidiary of the First Research Institute of the Electronic Industry Ministry of China. The company claims that, with its user-friendly interface and flexible networking the system is suitable for almost for all kinds of hospitals. The developed system is being used by several civil and military hospitals in Beijing, China. Currently, a complete system consists of nine subsystems, including clinic management, medical record management, in-patient department management, statistic department management, price management, dispensary management, preparation manufacturing management, and general manager information system. An application system for a specific hospital can be constructed by using some or all of these subsystems. The overall system software is developed in the C programming language on Novell networks. Its database files are claimed to be compatible with Xbase’s. All departments in the hospital can input their information at workstations and share information with other members on the network. The system offers menus and help information in Chinese. The system also uses advanced multimedia techniques. For example, the system gives voice output for price information and touch-screen- operation at pharmacy departments. An article entitled â€Å"With a Sharp focus on Pharmacy Medicine Shoppe posts double –digit gains† (Earl Smith, 2001) states that medical shoppe posts double digit gains narrates that part of its success is due to the number of Pharmacy specific innovations implemented over the past year. According to Ronald Hofmeister, R. Ph executive vice president of pharmacy operations. These innovations includes automation and work flow efficiencies, a program and an enhanced prescription compounding program. Looking at the retail pharmacy today and the challenges to making a profit, Hofmeister stated â€Å"Retail Pharmacy has a tremendous opportunity to properly position and fulfill our role as the provider of true, efficient, effective and accessible health care in any government prescription drug program for seniors, if we fail to do it correctly, retail will be challenged to remain profitable with only dispensing fees related to such programs. With this, the study should put into consideration the role of the Pharmaceutics Company in rendering services to the people fulfilling its commitments to give quality services by providing the right prescription drug will also result into a true and efficient health care to its customers. According to Flamholtz (2003) still defined that records would prove continuing records for system. These records reflect the result of the â€Å"cycle play sick record†. The computerization of record means agreement is beyond reducing operating cost mean agreement is beyond reducing operating cost of bill. It cannot make a decision for the user. It only shows what is happening. It is a management system that provides records usability throughout bound, receiving, order processing, storage and shipping. This system generates loading instruction and view release orders. Almost 500 companies information a series of standard software pack as compatible software packages from the company are designed to interface automated and manual materials storage system. Millar(2003) stated in his article entitled â€Å"New Technology will enhance patient care† the Calgary health region has entered into an agreement to purchase an innovative new health information system to better manage patient information support the delivery of high-quality care and enhance patient safety in its hospital. He said that patient care information system would provide timely access to information critical for clinical decision making, help reduce the potential for clinical decision making, help reduce potential for medical errors and speed up the flow of information that can be critical to saving lives. Having access to a complete and consiste

Financial Compensations for Olympic Medalists

Since time immemorial winning an Olympic medal was perceived as the pinnacle of the attainments of any athlete's career. In our times it has become a commonplace for those winning to receive monetary rewards and life-long forms of compensation for their endeavors. However,these practices have been at the forefront of numerous debates as they are considered to be undermining the true Olympic spirit.Many embrace the idea of financial incentives. One reason for this is the fact that Olympic athletes devote their lives to their sport in hopes of being the best in the world. No matter how talented or driven an athlete,however,they must train for many hours day to day to perfect their skills and be in a phenomenal physical shape,consequently they neglect other fundamental aspects of their ordinary lives.Furthermore,those who aspire to acquire an Olympic medal have a multitude of running living and sport related expenses without having a steady income from their profession. What is more,som e people share the notion that financial rewards significantly impact their motivation to reach the Olympic podium. On the other hand,there are those who oppose to such compensations. They claim that athletes should compete for pride and desire for glory and prestige a medal will bring to their nation.Additionally since the elimination of amateurism in the Olympic Games,athletes are often funded to train through corporate sponsors and endorsement deals,hence,they receive considerable sums of money and in return the company receives publicity. It is often seen even whole teams competing while wearing a company's logo in exchange for financial support,closely resembling and employer-employee relationship. Last but not least they point out some unfortunate events that most us have witnessed,the use of performance enhancing drugs.Having seen many Olympic medalists being stripped of their medals after doping scandal outbreak they believe that monetary rewards undermine the nature of Olym pic Games which ought to be governed by fair play,ethics and morality. By and large,it seems that people have a good reason to be dismissive of the notion of athletes receiving financial aid by their governments since it is obvious that it poses motive for malpractice for some. On a personal level I feel that we should enliven the original Olympic spirit and let the rewards be symbolic and not materialistic.

Program Development Essay Example | Topics and Well Written Essays - 2000 words

Program Development - Essay Example Working people have workload pressure and due to workload sometimes, they face frustration, mood swings and lose their mental calm leading to a state known as depression. Moreover, it is vital to state that people with depression do not even realize their illness and avoid consulting doctors. This is also regarded as a serious illness, which might lead to suicide attempt. From a medical perspective, it is situation where the mood and behaviour of people changes and affects their decision taking capability. Therefore, a program should be developed in the society for the people who face depression problem to increase awareness related to its impacts and symptoms. The purpose of the program is to improve the quality of life of people by increasing awareness and providing them better opportunities to live the life effectively (Cook, Burke & Petersen, 2004).This paper also deals with the recreational experiences along with the activities, which are involved in the program. This paper intends to provide a better insight to what the program will deal with and the time it will devote towards the welfare of people. The educational program can be most appropriate program to create awareness among people who face depression problem along with people who are not facing the depression problem. Through educational programs, people will be able to increase their knowledge about how they can reduce their depression or mental problem and secure their health for a better life and mental problem (CDC, 2012). Educational program will be effective to identify the reason for such problem and analyse the same based on symptoms. Through the educational program, people of society can obtain information about the basic signs along with symptoms of depression (Hutchinson, 2011). The major aim of the educational program is to create awareness among people and enhance their knowledge

How HPV causes cancer Essay Example | Topics and Well Written Essays - 1750 words

How HPV causes cancer - Essay Example Most of cancer cases that exist in the world happen because of viruses. Both DNA and RNA viruses are able to cause cancer in humans. One of the DNA viruses is Human papilloma virus (HPV)(Liao, 2006), which belongs to the family of papoviruses, non-enveloped, double stranded DNA viruses (Levinson and Jawetz, 2000) figure 1. Human papillomavirus were discovered after cottontail rabbit papillomavirus (CRVP). The first investigation of HPV in human cancer was conducted in 1970s, particularly in patients with epidermodysplasia verruciformis. (Howley, 2006). HPV usually causes benign papillomas or warts in humans (Liao, 2006). These viruses can also affect humans worldwide, especially women as they are susceptible to acquiring cervical cancer (Schiffman et al., 2007). Most studies consider these viruses as a major cause of cervical cancer. Also, these studies have identified the mechanism of cervical cancer development (Schneider, 1993; Boulet et al., 2007; Schiffman et al., 2007). This ca n explain the progression of disease. Most, if not all cases of cervical cancer occur due to the persistent infection of HPV, particularly the HPV-16 (Liao, 2006). Furthermore, HPV can be divided into several types and species such as HPV16, 18, 31, 33, 35, and 39 (Zur Hausen, 1999). Specific types of HPV linked with cervical cancer are HPV16, 18, 31 and 45 (Chumworathayi et al., 2010). The genome of the virus can encode several proteins such as (E1, E2, E4, E5, E6, E7 and E8) and two capsid proteins (L1, L2). This classification depends on the types of HPV (Su et al., 2010). Cervical cancer requires particular genes to be developed, such as E6 and E7 as Boulet and his colleagues have found (Boulet et al., 2007) and that have been encoded by HPV (Howley, 2006). Once HPV enters epithelia cells and integrates in the host DNA, the malignant transformation increases by the E6 and E7 production (Liao, 2006). These genes have effects on cell cycle progression in cervical cancer. However, HPV can also play a role in aggravating other forms of cancer in humans such as head and neck tumor and skin cancers in immunocompromised individuals (Liao, 2006). Apart from cervical cancer, HPV can also cause cancer according to HPV diversity both in humans and animals. Examples are the cottontail rabbit papillomavirus (CRVP) infection in domestic rabbits, epidermodysplasia verruciformis patient HPV5, 8, 14, Bovin paoillomavirus type 4 (BPV4), alimentary tract cancer in cattle, and Bovin papillomavirus type 1 in horses (Howley, 2006). As several studies observe the association between HPV and cervical cancer, this essay aims at discussing cancer development caused by HPV. Transmission and infection of HPV: Human papillomavirus can be transmitted in different ways both sexually and non-sexually. However, the most common transmission happens through sexual intercourse. This causes anogenital warts of type (6 and 11 HPV) which are considered low in risk with respect to many HPV types. Other types of cervical cancer such a s HPV16, 18 are responsible for about 70 % of cervical cancer and 50 % of cervical intraepithelial neoplasia (CIN) grade 3 (CIN3) (Schiffman et al., 2007; Smith et al., 2007). The HPV16 and 18 are considered as high risk types of HPV. Additionally, infection of HPV is usually transmitted by direct contact such as skin to skin and mucosa to mucosa, nevertheless, the likelihood of infection for each sexual intercourse is still unknown. Furthermore, several types of HPV can be transmitted collectively according to high proportion of infected women. On the other hand, men also may be infected by different types of HPV, therefore, any sexual act can quickly result in the transmission HPV types (Schiffman et al., 2007). In case of non sexual transmission, a child can acquire the infection of HPV from the mother (Castellsague et al., 2009) especially by placenta as Rombaldi and his colleagues have observed. For example, transmission from mother to the child may occur via amniotic fluid and fetal

Woolworths Ltd Assignment Example | Topics and Well Written Essays - 1000 words

Woolworths Ltd - Assignment Example The aim of the company is to grow its business by increasing its leadership in the area of food and liquor, maximize shareholder value, continue its record of building new businesses, while putting in place enabling factors in order to facilitate a new growth era (Woolworths Ltd 2013b). During the year ended June 30, 2013 the company expanded its operations through the addition of 32 hotels, 22 home improvement stores, 25 supermarkets in Australia and 6 in New Zealand (including a franchise), 14 petrol outlets, 15 Dan Murphy’s, 14 BWS and 6 BIG W (Woolworth Ltd 2013a). The company’s main competitor is Coles- a supermarket chain operated by Wesfarmers Ltd. Analysis of Financial Performance According to BPP (2009) return on capital employed (ROCE) is considered to be one of the most important ratios and so it is not possible to assess profitability without relating it to assets employed. Woolworths’ ROCE was unstable for the most part, declining from 25.58% in 2011 to 22.59 in 2012 and then increasing to 23.75% in 2013 (See Appendix 1 for calculations). A return of over 20% is considered good when compared to current interest rates. When compared with Wesfarmers Ltd ROCE is also better. In fact, Wesfarmers’ ROCE indicates instability, increasing from 10.07% in 2011 to 11.24% in 2012 and then declining to 10.92% in 2013 (See Appendix 1 for calculations). ... Growth in Wesfarmers’ revenues were also much higher than Woolworths’ but similar declines over the period were evident. See Appendix 1 for details. Woolworths’ profit margin/earnings before interest and tax (EBIT) margin for the years 2013, 2012 and 2011 were 6.24, 6.11 and 6.05 respectively (See Woolworths Ltd Financial Summary on page 8 - Appendix 2). This indicates that Woolworths’ EBIT margin improved over the period. Woolworths’ EBIT margin compares favourably with Wesfarmers which increased from 5.88 in 2011 to 6.11 in 2012 but remained fairly stable in 2013 at 6.11 (See Appendix 1 for calculations). Earnings per share (EPS) - the earnings attributable to each share issued is found by dividing EBIT by the weighted average of the number of shares in issue. Woolworths’ EPS declined from $1.74 in 2011 to $1.48 in 2012 before increasing to $1.82 in 2013 (See Woolworths’ Income Statements for 2013 and 2012 on pages 11 and 15 - Append ix 2). The comparative EPS for Wesfarmers Limited shows EPS of $1.96 in 2013, $1.84 in 2012 and $1.66 in 2011 (See Wesfarmers’ Income Statements for 2013 and 2012 on pages 20 and 24 – Appendix 3). These figures indicate instability in Woolworths’ EPS and improvement in that for Wesfarmers’. Additionally, Wesfarmers EPS was higher for all three years. Analysis of Financial Position Statement An analysis of Woolworths’ financial position at year end 2011, 2012 and 2013 indicates that the group’s current ratio ranged between 0.79:1 and 0.91:1 over the period. (See Appendix 1 for details). While the ratio is improving, it suggests that the company is experiencing liquidity problems and may not be able to pay its debts as they fall due. The situation for Wesfarmers is a little better

Strategy Implementation and Control Essay Example | Topics and Well Written Essays - 1000 words

Strategy Implementation and Control - Essay Example Companies when they become bigger they achieve economies of scale and so they can have competitive advantages. In addition, a merger/acquisition may help the company to reduce its foreign exchange exposure by having local manufacture rather than importing. Finally, other advantage may be that the company may alleviate its debts because the merging firm may take over the depts.. Some of the disadvantages have to do, especially when there are cross-border differences, with conflict among employees due to cultural differences. Sometimes, there may be the case of having negative reaction from the host country. The pros of the above strategy is that the two companies will be under the same roof and so it will be easier for a manager to manage them both. The cons may be the possibly different employee cultures. In order that a merger/acquisition becomes successful the company has to follow these steps: have good pre - and post- acquisition/merger planning, have effective leadership and adequate due diligence. Very important is also if the employee cultures are effectively merged, perhaps this is the most crucial factor. Another key factor of a successful acquisition is co-location i.e. the two companies should be brought under the same roof. The strategy is working when the two companies operate well together and they have market synergy. They have mutual understanding and they share each others funds, technology and markets. Very important is also if there are no cultural differences since this factor has led many mergers/acquisitions to failure. Operate the acquired company as a separate business entity. The result of this strategy will be two separate companies under one senior management "umbrella" (the senior management team that is responsible for running both companies). 1. What are the pros and cons of this implementation strategy The pros are that each company can operate independently but both companies can be evaluated in a strategic way. Independent operation is particularly good in case the companies have highly

Parenting And Education Essay Example | Topics and Well Written Essays - 500 words

Parenting And Education - Essay Example My Mother’s frequent visits affirmed her love for us and encouraged us to excel at academics. During the vacations, my aunts sometimes contributed to our care during my Mother’s regular business trips, but I am aware that it was my Mother who raised us single-handedly, and with several sacrifices on her part. My Mother was not as fortunate as we have been. Her separation from her parents at a very young age, due to compelling economic factors, persisted throughout her life. My maternal grandparents were poor traders in Ghana, who did not have the means to support their children. As their poor livelihood did not permit them to educate my Mother, she was sent to live in her uncle’s home. This uncle saw her through school, and then my Mother secured a scholarship which enabled her to pay her way through college and secure her Bachelor’s degree in Art. My Mother met and married my father in her late thirties, while on a short visit to the United States, and he r parents passed away before the birth of my eldest brother. As such, my Mother is very much a self-educated and self-made woman. When I consider the differences in the manner in which my Mother secured her education and the way in which she supported us through our academic careers, I never cease to marvel at her strength of purpose and her clear perspective on what she wanted for us. My Mother was determined not to let economic factors or the nature of her occupation compel her to send us away to grow up in the homes of relatives.

1 Year Strategic Digital Marketing Plan with a view as to how this may Essay

1 Year Strategic Digital Marketing Plan with a view as to how this may be developed over three years - Essay Example The company is dedicated to inspire the disabled youngsters in the United Kingdom to actively participate in different kinds of sporting activities and events. The company also provides the disabled kids and young people with sports grants which can be used in the training, travel, physiotherapy, competition fees and development and design of sports wheelchairs. The aim of Get Kids Going (GKG) is to provide long term support and encourage the disabled children and youngsters in the country to achieve the dreams regarding their sports careers and their goals to become sporting athletes. The company recognizes that there are many talented youngsters in the country who dream to become athletes and runners. However, the enormous expenses required for training to become an athlete and to participate in the sports events like marathon act as restraints to the achievement of these dreams by the young disabled sports aspirants. The activities of the company are supported by the sponsorships of different marathon runners and athletes. Hundreds of athletes and runners in the country are supportive of the activities of Get Kids Going (GKG). These runners support the functioning of Get Kids Going (GKG) by running in various national and international sporting events like the Bupa Great North Run, Paris Marathon, New York marathon, Virgin London marathon, Ride London 100 Cycling Challenge, Berlin Marathon, L’Etape du Tour and other sports events taking place indifferent countries of the world. The support of donation and charity given by many companies, schools, trusts and individuals are also critical for the continuity of the activities of Get Kids Going (GKG). A digital marketing plan involves the use of digital and electronic medium as an important medium for promoting and selling the products and services of a company (Sadler, 2001). Get Kids