prepare and submit a term paper on What is your biggest fear about public speaking. Your paper should be a minimum of 250 words in length.

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You will prepare and submit a term paper on What is your biggest fear about public speaking. Your paper should be a minimum of 250 words in length. Client’s 23 January My biggest fear about public preparation is under preparation, I start to stutter when I am under prepared. Being under prepared can lead to loss of respect for an individual. Planning comes into play here, preparation is extremely important when it comes to public speaking.

Engaging the public for several minutes is hardly an easy job, there are many people who are very restless and would certainly start showing their restlessness if the speech is not up to the mark and this will take a toll on the speaker’s confidence.

Being prepared wins half the battle, anxiety eases when one knows what is to be said and what is not to be said. Errors are minimized when one is sure of oneself. errors get doubled when one is under-prepared.

Engaging the most restless of people is an art which not everyone can master, however one can engage the people by knowing what is to be said at the very right time.

To conclude it is very fair to say that being prepared is like half the battle won already, preparation also gives a lot of confidence to the speaker and makes them completely prepared for delivering the goods when it matters the most.

This is why I always make it a point to prepare well in advance so that I do not let myself down in front of others. Preparing well has always been the key for me and will always remain the same.

Create a 8 pages page paper that discusses the relative merits of the capital asset pricing model.

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Create a 8 pages page paper that discusses the relative merits of the capital asset pricing model. The specific fact has been also used as a justification for doubting this model’s value. the model of asset pricing developed by Fama and French is among those theories that most oppose CAPM. The conflict developed between CAPM and other theories of this type has helped not only to identify the weaknesses of CAPM but also to understand its potentials under severe market pressures. Moreover, the research made on CAPM has revealed its ability to be transformed being aligned with the market conditions – a potential that does not exist in traditional theoretical models, which are based on common market conditions.

The Capital Asset Pricing Model (CAPM) is used in order ‘to calculate the required rate of return of an investment’ (Pahl, 2009, p.18). CAPM is the result of the work of the following theorists: W. Sharpe, J. Mossing and J. Lintner (Pahl, 2009, p.18). CAPM is mainly based on the following strategy: the portfolio diversification. through this strategy, the risk for high losses in regard to a particular investment is decreased: investment is distributed among the portfolio of different investment characteristics. in this way, the risk for investors is reduced. CAPM has been developed for helping the investors to identify the level of risk of their investment – based on the fact that the main scope of investment is to result in profits for the amount invested (Pahl, 2009, p.18).

In accordance to Fabozzi et al. (2006, p.209) CAPM is based on a series of assumptions, which can be indicatively described as follows: a) the investment decisions are influenced by the level of the return expected. this means that each investment decision is expected to result to a profit which is estimated in advance, b) investors accept the diversification of their portfolio. this diversification is based on the relevant methodology developed by Markowitz, c) the investment.

Compose a 2000 words assignment on report discussing spotify’s strategy.

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Compose a 2000 words assignment on report discussing spotify’s strategy. Needs to be plagiarism free! Spotify should use current technology to be stable and compete with the other companies. Introduction Spotify is a Swedish online streaming company offering online music service to the user that they can stream up to 15 million tracks on demand by using unique technology. It still lags behind after Pandora as a market leader. Spotify also introduced lightweight software, which allows an instant listening to albums and tracks without buffering delay. Consumers subscribe monthly premium to access the service. Spotify paid free subscriptions to everyone in order to expand the rate of service (Gammons, 2012). The company offered free accounts and opened free registration in United Kingdom. Spotify closed opened registration when Spotify mobile service was released. Technology is a growing necessity in all types of businesses. As time goes, people learn the importance of technology one by one. This make it impossible to separate technology from the people as it is necessary in day-to-day activities. Technology in Spotify has brought tremendous growth in the company through advertising. Sporty can post their new services online to create new revenue streams and new markets. Technology is also important in decision-making process leading business managers and chief executive officers to focus on innovation in business (Marshall, 2012). Spotify has divided the digital music industry into two submarkets. digital download market consisting of Amazon and iTunes and streaming market which has many competitors. According to the study conducted in 2011, the revenue of digital music industry has grown by 8%. The growth rate of streaming market is greater than that of the download market. Streaming market generates 10% of the revenue of digital music industry (Marshall, 2012). Many companies with similar business models operate in streaming industry leading to strong competition in the market. Companies can only be differentiated from each other by. features regions of operations, variations in packaging and licensing of music libraries. The costs of switching from one streaming service to another are very high. This has created a limited compatibility and transfer between the streaming services. The streaming companies are trying to include network effects in their services by introducing social components. Users are granted permissions to create collaborative playlists, they can follow what other people, and friends are listening on the network (Daft, 2011). Network effect adds value to the services leading to attraction of more clients. Streaming companies has essential partners and record labels are natural which creates ready market with strong indirect network effects. Availability of content is important to attraction of customers. When there is large music in the library, the streaming service will be much popular. The streaming industry is a two-sided market where companies should create virtuous circle between customers and record labels. When the subscribers and users are more in a service, there should be more labels having their music recorded on the services. This will lead to attraction of more customers to the larger library available. On the other hand, it is expensive to obtain streaming rights to a large library for successful streaming of services.

Write a 2 pages paper on m10 impact/special needs.

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Write a 2 pages paper on m10 impact/special needs. Impact/ Special Needs Health Care Insurance The Role of Insurance for Children with Special Health Care Needs Insurance for children with special health care needs plays a critical role in ensuring sufficient access to essential health care services. Children with special care needs are often vulnerable to several health conditions which require continuing support from the various health care facilities (Jeffrey & Newacheck, 2006). In this case, they require funds to allow them access health care services whenever they face any health complication. The various insurance plans providing coverage these children ensure that such children are not denied essential health care services on the grounds of lack of finances. Insurance guarantees not only access to health care services but also quality care. With insurance coverage, children with special health care needs are able to gain access to specialized care which may be essential for their survival and proper functioning.

Public insurance policies such as Medicaid and Medicare cushion parents and family member from financial burdens arising from the care of these children. Families in the lower and middle socioeconomic strata particularly benefit from the public insurance because health care needs for these children are fully covered (Jeffrey & Newacheck, 2006). Insurance cover play an important role in promoting health care parity within the health care system in which children with special health care needs are not discriminate on the basis of their health conditions. Provision of insurance cover for children with special health care needs plays an important role in ensuring that they live a quality and prolonged life expectancy. Improved access to quality care is an important step in ensuring these children lead normal lives and enjoy the right to good health. Therefore, it can be concluded that without insurance children with special health care needs cannot access essential and quality care.

The Impact That Medicare, Medicaid, and the Insurance Industry Have Had on the Dental Industry

Medicare, Medicaid and other insurance companies have had positive impact on the dental industry both directly and indirectly. Public insurance policies such as the Medicare and the Medicaid programs as well as private insurance companies have led to an increase in the number of people seeking dental care in the United States. This has consequently translated into significant growth of the industry as entrepreneurs move to tap in from the growing demand for such services. The demand for dental care services provided through the various insurance policies has led to emergency of several private and public dental health care facilities as a result of the emerging demand (Kongstvedt, 2009). Most of these plans, especially the personally purchased insurance policies form a great source of motivation for majority of the owners to maximize the benefits provided under the insurance coverage. Increased profitability in the provision of dental care services has become a major catalyst for many health professionals to specialize in dentistry.

Insurance plans such as the preferred provider organizations (PPOs), Point-of-service (POS) and Health Maintenance Organizations (HMOs) have seen the establishment of numerous dentists’ networks required to facilitate provision of the dental care benefits by the insurers to the subscribers (Kongstvedt, 2009). With most of the private insurance plans allowing subscribers to receive dental care from dentists of their own choice, provision of specialized dental services has become common in the dental healthcare sector. Changes within the insurance in terms of reimbursement have also made payment for services delivered easier thereby enhancing the willingness of dentists to provide insurance covered dental care services. Therefore, the growth of the insurance sector in part accounts for the significant growth in the dental industry.

References

Jeffrey, A & Newacheck, P. (2006). Role of insurance for children with special health care needs: A synthesis of the evidence. Pediatrics, 118 (4), 1027-1038.

Kongstvedt, P. (2009). Managed Care: What It Is and How It Works. New York, NY: Jones & Bartlett Learning.