Mentha Farm Business Plan

Mentha Farm Business Plan (Mentha Garden) Executive Summary Mentha Garden is a 10 acre farm dedicated to the production of Menthol oil (Pipermint oil). Mentha Garden is located at Fatehpur in Barabanki , Uttar pradesh. Mentha Garden is working hard to become a leading producer of Menthol oil in Barabanki for the Stage 2 level industry. Barabanki ranks number one in menthol oil production, which constitute 65-70% of Indian production. Menthol oil is used in Pharmaceuticals, Chewing  Tobacco, Pan  Masala, Perfumery  Compounds, Toothpaste, Mouth  Washes, Oral  Preparations, Confectionery, Cigarettes  .Keys to Success Mentha Garden has identified two keys that will be instrumental in their success. The first is the implementation of strict financial controls. By having the proper controls, production efficiency will be maximized. The second key is the recognition and implementation of the philosophy that 100% customer satisfaction is required to ensure a profitable business. Profits are a by product of satisfying customers, not the other way around. Products Mentha Garden is a 20 acre farm that concentrates on the growing of different variety of Mentha.Mentha Garden will feature:- Mentha  Arvensis-Initially  the  crop  grown  was  called  Japani  mint/  Mentha  Arvensis  but  subsequently  the  problems  of  rains  &  dryness,  this  crop  was  developed  and  known  as  MenthaShivalik. Mentha  Piperita- The  USA  being  the  main  producer  of  Mentha  Piperita  similarly  it  is  also  called   American  piperita. Though  India  is  developing  the   quality  of  Mentha  Piperita   Comparing  to  US  crop  but  we  have  not  yet  been  able  grow  successfully  till  now. Process  of  Deriving  Menthol  Crystals  Ã¢â‚¬â€œ Stage  1:  Farmers  level Mentha  arvensis  leaves  are  boiled  and  oilà ‚  is  extracted.Iron  vessel  is  used  for  the  same. Stage  2:  Industry  level Mentha  oil  extracted  in  stage  1  is  frozento  minus  60  degrees  Celsius. This   takes about  6  to  7  days. Aluminium  vessel  is  used   here. The   output   consists   of   30%  De? Mentholised   Oil   (DMO)   and   70%  Flakes. Stage  3:  Industry  Level These   flakes   are   heated   at   40  degrees   Celsius. The  liquid  obtained  is  filtered  by cloth  and  loaded  into  a  machine. Crystals   are  sown  in  this  liquid  and  kept  for  15  to   20  days. The  output  is  70%  crystal  and  30%   residual  mentha  flakes. Iron  vessel  is  used   in in  this  process.Market Menthol Garden sells Raw Menthol oil to the Industry level -2 on market price . Management Team Menthol Garden will be lead by the Sujeet patel and D. K Patel(father). Father brings a wealth of business and management skills to the Garden. Sujeet patel will be responsible for the business operations of the farm and marketing of oil. Financial Plan- Mr. D. K Patel is doing menthol oil farming traditionally but I wanted to apply my Botanical knowledge as well as management skills , what I have learnt in my 12+3+2 level of education .

Bank Internship: National City Corporation

This past summer (2002), I was an intern in the Credit Department at the corporate headquarters of National City Bank located in downtown Cleveland. During my time as an intern I was able to put my classrooms knowledge and experience into practice dealing with real world situations. Let me give you an overview of what our department basically did on a day to day basis. We were what you would call the â€Å"number crunchers† of the building. Senior Credit Officers, Loan Officers, and Secured Credit Analysts would send numerous financial statements for various companies to our floor. These financials, with the attached project (I will explain the projects/assignment later) would then be assigned by our department head to specific analysts. We were then responsible for completing the desired task that the Officer had requested by a certain date and time. Analysts would gather as much information about the company as needed and perform the various tasks in order to get the Officer’s approval of the completed product. All in all, that is basically what the Credit Department did on a day to day basis, but this is just a brief overview. I will go into further detail throughout the remainder of the paper. On my first day at the internship, I was introduced to my supervisor and Assistant Vice President of Credit, Anita Swoboda (she interviewed me and gave me the job over the phone, so we had never met) and the rest of my coworkers on the 9th floor. After the introductions were made and I was situated in my new desk, I was instructed to go to a computer in the back of the office to learn the system that the department worked off of. The instructional tour took me through the database that I would be using on an everyday basis and showed me what everything the specifics of the system. The database was constructed like an Excel spreadsheet, but it was specifically made with equations for the different data entries. After I was fully acquainted with the database (it is called FAMAS), I was given my first assignment to complete. The slang term used around the office for these financial tables was â€Å"spreads†. The spreads were the end result of the data entered into FAMAS. I was given a set of financial statements from a specific company and my job was to enter the relevant data into the necessary categories and subcategories in the system. After all of the data was entered, I had to check to make sure that the balance sheet was in balance, the income statement provided the correct net income for the period ending, and the cash flow statement was in accordance to the company’s given data. If everything was in place and all of the data was correct, I then would print off the â€Å"output†. The output gave six pages of the summarized data that I had entered. Three pages were the replicas of the balance sheet, the income statement, and the statement of cash flows. The other three pages gave concise ratios and detailed reconciliations pertaining to the data. This, inevitably, was used by the Officer to make an accurate assumption about the stability of the company’s cash/asset/liability position. This was the most basic and most assigned project for the analysts in general. The next type of responsibility that I had was in the contents of what was called a Criticized Asset Sheet or CAC for short. These CACs were used by Officers when a company was underperforming according to National City’s standards for loan payments. These companies often times would have negative net income levels for more than one year, poor repayment practices in the past, and overall bad quality dealings with National City in general, just to name a few. The CAC required the analyst to do the assigned company’s spreads as well as a number of other pieces of financial analysis in order to give the Officer and the committee a better idea of where exactly this company stood and if it was beneficial to keep doing business with them. I was responsible for going through another database (I was taken through another step by step training session, this time with an individual) to get all of the pertinent information needed for the assessment. This new database allowed me to get detailed information on all of a company’s outstanding loans (i. e. what type of loan, when it matures, how much is outstanding, etc. ), the list of beneficiaries/individual signers on the loans as well as their financial commitment in the company, and the company’s past status on its old loans. After gathering the necessary information, it was my duty to input the data into a pre-designed word document and add verbiage to tell what each number represented (this is difficult to explain without showing you exactly what the sheet looked like). I would then send an updated copy of the CAC to the Officer (whoever it was that I was working with) and he would look over it to see if there should be anything else added and also to see if there were any mistakes that I had made. After looking over the sheet, the Officer would then send me a new copy of the CAC via interoffice email with his/her pdated section. Their section dealt mostly with notes from the last meeting, recommendations, developments, etc. which were relevant for the next meeting with the committee. I would then take this new copy and send it over to Secured Credit, where someone would derive an analysis on collateral determinants, cash flows summaries, etc. and that would then go into the CAC at the end. After I had collected all of the necessary items, I would put the CAC together with my section, the Officer’s section, the Secured Credit comments, and the spreads. I would then print out a copy and give it to the CAC secretary who would put it on the stack of other CACs to go down to the printing room for multiple copies. These copies would then be distributed to the various committee members when the CAC was due to be discussed. It was the committee’s duty to discuss the company’s situation with the Officer (the Officer was closely related with the company, meaning that he had gone to the location, spoken with the executives on several occasions, etc. to see if it was feasible or not to continue funding their outstanding loans or if they should be ended. The last responsibility I had as an intern at National City was the most detailed and the most important assignment that permanent analysts completed. Toward the end of my internship, it was noticed by my superiors that I could handle large workloads and put out excellent results. So, my supervisor decided that I should be taught how to do the main thing that permanent analysts d id on a regular basis. These assignments were called Credit Sheets. The Credit Sheet incorporated all of the things that dealt with the CACs and the spreads, but required an extreme amount of financial information and overall analysis. This sheet dealt with the loan structure, financial position of the company, statements from the CEO, industry and company analysis, future implications that may hinder the business’s performance and various other aspects of the overall picture company and its industry in general. These sheets were usually between 30 and 100 page reports and were done because a company was seeking new loans, extensions on old loans, or more borrowings. My duties were to gather all of the information that I could about the company and its industry. I would be in constant contact with the Officer so that he/she could give me any updated financial or company news in general and also so that I could let them know how my progress was coming along. I would then construct a broad industry analysis as well as a very detailed company analysis. It was also my job to provide a detailed financial analysis of the company including collateral trends, borrowing base, future commitments, 1, 3, and 5 year cash flow analysis, and projected future position. The sheet, again just like the CAC, would be passed between the Officer and myself, with him/her adding necessary information as necessary, until we were both confident with the content. The sheet would then be presented to the committee and it would be determined through discussion, whether or not the company’s request was valid according to the information presented and the committee’s feeling about the future of the company. I did also have other various responsibilities such as side projects for different people and whatnot, but basically, the things that I described above were my most important responsibilities. These duties, no matter how large or small, were an integral part of the corporation’s functioning as a whole. During my time as at National City, I, along with the two other interns and the new permanent employees, was required to take a Commercial Credit class. We would meet as a group one or two times a week with Anita, in a classroom setting, and go over the different topics we were assigned to read. There were five parts in all: Qualitative Company Analysis, Credit Risk Analysis, Cash Flow Analysis, Balance Sheet Analysis, and Case Studies. These areas were integral in the learning process of dealing with Commercial Credit in that it taught us what to look for when dealing with companies’ financial statements and allowed us to take a more in depth look at the financial process. It was an incredible learning tool because it allowed all of us to take what we were learning in the classroom and use it in a real world situation. I thought that that aspect was the best part of the internship in that it expanded on my current skills and enabled me to experience situations that cannot be taught merely in a college setting. The purpose of an internship, as I see it, is to make a person aware of the world that waiting for them after college and to give them a better understanding of what is out there in corporate America. Not only did this internship show me what could be waiting for me after college, but it also taught me a great deal about how a corporation works as a single unit. My job and status in the corporation was not looked down upon and I was not handed filing work or other types of â€Å"busy work†. I was being taught and molded in a way that was in accordance to how they train their ermanent employees. It was truly an incredible learning experience for me. The internship was very beneficial to my future professional career. I speak with employers now and they are thoroughly impressed with my experiences at National City. I have a superior knowledge of certain aspects of the financial world that has given me a leg up against the competition during the interviewing process as well as in conversations with professionals in the field. I feel more comfortable and confident with my skills and abilities than I have ever felt before. National City made me feel important and now that is the attitude that I carry around with myself. The thing that I enjoyed the most about my internship at National City was the fact that I was treated as an equal and important member of the corporation. Aside from the learning aspect of the job, I gained a sense of what it would be like to be an employee of a large company, such as a bank. I was given work that the permanent employees were doing and I was expected to perform within the same parameters. I also enjoyed the work setting in general. We worked hard, but it was a laid back atmosphere where you could really get to know the other people in the office. Plus, most of the people that I worked with were either fresh out of college or had graduated just a few short years back. There were also a few Ohio University College of Business alumni in my department which made for interesting and resourceful conversations. With all of things in mind, I cannot stress enough how much I enjoyed the fact that this job really taught me a lot. I know that I have already mentioned this, but the knowledge that I gained from my time at National City was priceless. I never thought that an internship could be so beneficial to me in the long run, but I was proven wrong in this case with flying colors. The internship, overall, was just an incredible experience for me and I am truly grateful that I was given the opportunity to prove my self while expanding on my skills at the same time. The College of Business has done a fantastic job in preparing me for my professional career in many ways. Many of the classes I have been required to take have given me a strong base of knowledge in particular areas of finance. I felt extremely prepared for this job when I first started just because of the fact that the finance and accounting classes that I have taken so far have taught me a great deal about the raw material in dealing with income statements, balance sheets, cash flow statements, etc. The course I took at National City was mostly a method of fine tuning my already present skills and also a means of allowing me to put my entire classroom learning to work in real world situations. The course that really prepared me the best for this position was the second business cluster (301i). In the cluster, I learned how to better my time management skills, work through tough situations, and gain more experience with interacting with other individuals (group work). I thought it was amusing that the permanent analysts were working on industry analyses for their projects and I was able to help them because of the fact that I had done so many of them in the cluster. I guess I really didn’t realize just how much I have truly learned until I experienced it first hand in a situation like the one I just mentioned. The introductory finance class given in the cluster (FIN 325) was also an important class that helped to prepare me for this job. I was introduced to the stock market on a more specific level and was taught about how to â€Å"analyze† the numbers (basically, what everything means). But, like I said, the overall knowledge that I gained from all of the classes I have taken here at Ohio University have been a huge benefit to my professional career. When I began my internship, I knew that I was prepared, but I didn’t know that I could be fully prepared for the task that was laid before me. To my relief, everyone around me was extremely helpful if I had any problems with anything and the Credit class also refreshed my memory about some of things that I may have forgotten over time. All in all, I was prepared enough to perform to the best of my ability and to add value back to National City. My overall outlook on my career and future has always been a concern of mine. I would always ask myself what kind of job of do I want to have when I graduate, where do I want to work, what will make me happy, etc. and it has always been hard for me to answer. To be honest with you, I never thought that I would want to work at a bank, to become a â€Å"banker†. But after experiencing a banking job first hand, I feel that it is something that I truly enjoy. I feel that banking is a great place for a finance major to start off in a career because it allows one to gain an understanding about the â€Å"meat and potatoes† of the financial world. Banking is a broad field to get into because there are so many aspects of it and so many different career paths to follow. I have interviewed with a number of companies to get a feel for what is out there for finance majors coming out f college and have found that it is mostly banking or sales. I know for a fact that I do not picture myself in a sales type position (life insurance, broker, etc. ) and that banking just seems to be the right fit for me. I have had the benefit of being able to take an in depth look at what the banking industry is all about and what it has to offer to myself i n regards to developing my professional career. I am happy to say that I am currently in the second round of interviews with National City for a Commercial Banking position. This is a position that I feel will be the most beneficial for me to begin at directly out of college. I feel that this position will give me the sound financial background that I need in order to advance in my career and develop into the professional that I have always strived to become. This internship was a great experience for me, one that gave me something more than just a paycheck. National City is an excellent corporation and deserves praise for its efforts in the internship arena. Please let me know if there are any other questions that you would like answered, for I may be able to explain myself better in spoken words (592-6294). Thank you.

Social Welfare and Social Work Practice Essay Example | Topics and Well Written Essays - 2500 words

Social Welfare and Social Work Practice - Essay Example The Scandinavian Model attempts to provide benefits to all citizens on an equal footing, regardless of employment status. In contrast, The Beveridge Model seeks to provide benefits to those citizens perceived as experiencing "the greatest need" (Ploug). First advocated by the German chancellor Otto von Bismarck, the third model benefits most "those who have been on the labour market" (Ploug), and the fourth model places the burden of welfare on the family. It is with the first two of these models, and the countries in which they are practiced, that this essay is concerned. Quality of life is in large part dictated by the way in which a state runs its welfare policies. Such concepts as social cohesion versus social exclusion are important identifiers of the quality of life that is typical in a state. These things influence and are influenced by such variables as citizenship, migration, and even the state of the family units. State welfare policies often have much to say on these topics. Though many are the domestic factors influencing the direction of a state's policies, these policies are often also influenced by outside factors, such as trade and senior governing bodies. Since its inception, the European Union has implemented policies that have affected the way its member states carry out their own social welfare policies. This supranational body was developed over several decades, and now comprises 25 co-operating European countries. It recognizes its principal goal as being "to promote and expand cooperation among member states in economics and trade, social issues, foreign policy, security and defense, and judicial matters" (Urwin, 2005). Based on the fact that a major goal of the EU is the unification of the European market and the reduction of economic disparities among the member states, many of the policies with which it is concerned also affect the social welfare policies of its member states (2005). In addition, lobbyists for several causes frequent its gates in order to influence the formulation of policy. Though the extent to which the EU exerts influence on its member states is varied, the United Kingdom and Scandinavian countries have h ad to make changes or adjustments to their policies in response to the actions of the European Union. This essay will, therefore, discuss the similarities and differences of the two models represented in these regions in light of social cohesion and exclusion, migration, citizenship and family life. It will also examine the two models in light of ways in which they have changed as a result of the influence of the European Union. The term "Scandinavian welfare model" specifically defines the method of state-run welfare as it exists in Denmark, Norway, and Sweden. The type of welfare system represented in this model is often placed in what is known as the "Social-Democratic" camp, though this does not necessarily mean that its tenets are supported solely by the socialist parties of those countries (Ploug). The system is, however, based on the idea of equality, and it recognizes what it considers the right that each individual possesses to the opportunities that will secure a good quality of life. This, therefore, is provided to all citizens regardless of their social or employment status. On the other hand, the social welfare model adopted by the United Kingdom (also known as the Beveridge model) is placed in what is known as the liberal camp. This system was developed "to encourage the provision

Financial stability and resilience of the banking industry are the Essay

Financial stability and resilience of the banking industry are the main current concerns of national and international regulator - Essay Example However, when the economies were overheated and an economic boom was witnessed, many governments and monetary authorities lost sight of the fact that unbridled banking would ultimately cause the downfall of the financial system. Consequently, the fact that many of the financial instruments created were short-sighted in nature and dubious in character was lost among the policy makers and political leaders. Such a situation arose out of the fact that many of their activities were uncontrolled in nature. The global financial meltdown of 2007-2009 the impact of which is felt even today among the global economies brought a shock among them which made such leaders and policy makers to wake up from the slumber and meet the harsh reality that global financial system needs a through overhaul and if appropriate and timely measures were not taken the threat to the global prosperity during 21st century would turn out to be a monster which would become entirely uncontrollable. There was a sudden urgency to enact prudential regulations. However, the continued worsening of the world economies reeling under pressures of weakening manufacturing activities, growing unemployment and uncertainties have brought into focus a set of arguments that such prudential regulations should be slowed down. ... y him for such an argument is that, firstly, â€Å"the financial stability is about resilience†, secondly, â€Å"preserving financial stability involves a wide range of policy areas† and thirdly, â€Å"a globalised financial system requires global rules†, fourthly â€Å" global financial regulators should stay focused on the end result they want to achieve, namely, a system characterised by less leverage, better liquidity management, sounder incentives, less moral hazard, stronger oversight and more transparency†2. Towards realizing the above, he has set an agenda which includes reforms and regulations on the bank capital, liquidity, financial products (e.g. OTC derivates,) and among other things micro and macro prudential regulations. Each one of the points averred by him is analyzed below. 2.1. Resilience Caruana equates resilience with financial stability and believes that this is something which the world economies should prepare well in advance in ter ms of capital, liquidity, infrastructure etc to safeguard themselves from the shocks, external/internal so that there is no repetition of the nasty situation witnessed during the 2007-09 global financial meltdowns. The same view has been advanced by some other scholars. According to Sheehan3, Financial regulations have two sides attached to them, viz, micro and macro prudential regulations. Micro prudential regulations seek to focus themselves towards protecting the interests of smaller savers and borrowers from grey practices of financial institutions while the macro ones engages themselves in the creation and implementation of rules that goes towards promoting the stability of global financial systems and reduction of systemic risks. Whether it is micro or macro, each country creates its own financial regulators and

Life in the Ghettoes During the Holocaust Essay Example | Topics and Well Written Essays - 750 words

Life in the Ghettoes During the Holocaust - Essay Example Before the Holocaust, European Jews had lived peacefully enjoying freedom and autonomy. The consequences of racism, discrimination, and anti-Semitism are explored in the holocaust. Life in ghettoes was tough, intolerable and unbearable. The Jews existed under the complete control of the Nazi guards who mistreated and even murdered them. Jewish councils were responsible for carrying out Nazi orders in the ghettoes. The living conditions were poor and people were very crowded, with the smallest ghetto housing about 3,000 people. The unsanitary conditions exposed people to many diseases especially the contagious diseases. Food was scarce forcing some people to beg or to be engaged in theft in order to earn their living. Sometimes in Warsaw ghetto, small children would crawl through narrow openings in the ghetto wall to smuggle food for their families and friends from the ‘Aryan side.’ In addition, smuggling of medicine, weapons or intelligence into the ghettoes via undergro und canals or by bribing guards at the gates was common. Moreover, in order to keep the ghetto residents alive, some Jewish council encouraged illicit trade of goods. Most people became weak due to hunger and exposure to cold made them be at high risk of contracting diseases. Over 75,000 people died of starvation, illness and cold, while other hopeless individuals killed themselves, leaving many children orphaned.By April 1941, mortality rate in the ghettoes had increased to more than six thousand people per month.

Analysis of Leadership Theories for Their Applicability Inside an Research Paper - 4

Analysis of Leadership Theories for Their Applicability Inside an Organisations Leadership Model - Research Paper Example Situational and contingency theories will be highlighted in detail, in assessing the most appropriate theory to rely on in setting up an organizational model of leadership. Leadership insights are apparently inevitable in the management roles that an organization’s executive have in steering the organization towards the realization of its objectives. From these two approaches, the theorists assist in understanding the relevant connection to be made between leadership and management, under the inspiration of the organizations’ mission and vision focuses. On one hand, situational theory, Paul Hersey and Ken Blanchard contributions to the effect that styles of leadership styles are not fundamentally important than or superior to the leadership’s response to the varying situation is examined. On the other hand, Fiedler’s contingency theory has been visited in conjunction with the situational theory to illustrate the importance of leadership in the formulation of organizational leadership practices (Kreitner, 2006, p452). In this discourse, I will attempt to find solutions to the question of whether an organization can adopt several leadership perspectives to sustainably tackle all of its challenges. A position held up to the generation of the question is that the organization faces pretty too many leadership challenges such that it cannot be possible to be reliant on a single approach. The choice of these theoretical approaches of leadership was deliberately done to demonstrate the need for the model of organization to depart from retrogressive leadership designs that rigidly fixates the organization to conservative systems inhibiting initiatives. Under the opposing theories of leadership, it is difficult for organizations to respond to the rapidly changing market but reacting to the market only leaves the organization in a poorer condition.  

Zipcars Business Motivational Model for Customers and Partners Case Study

Zipcars Business Motivational Model for Customers and Partners - Case Study Example By introducing the Zipcars, the company helps the customers to save up to seventy per cent of their savings because they only pay for the hours they use the cars. Additionally, the cars are energy efficient and contribute less to the discharge of exhaust fumes into the environment. This motivates customers further. As a means of further motivating customer, the company has collaborated with several other organizations, businesses, and universities through some specific programs. As a way of reducing costs for businesses, Zipcar rents vehicles to them to use during the week when they are needed most. The same thing happens with universities as well. These services motivate the organizations to work harder with the mindset of cutting down on costs. It also aids cities in saving on their parking space. On a scale of 1 to 5, I will give the business a motivation of four while 3 to the universities. The cities’ motivation could be 2.5. 2. As Its Simplest Best The idea behind Zipcar is to help businesses cut down on the costs of running their businesses. Apparently, most business organizations incur huge costs in keeping and maintaining their motor vehicles. The same applies to universities and colleges that face the danger of vehicle wreckages and damages due to student’s responsibilities. Additionally, with as much as $ 1 million going into savings from the Zipcar system, the cities are worth adopting the strategy. With these concepts in mind, potential beneficiaries of Zipcar’s services would be easily convinced to adopt the services of the firm. 3. Figure 6.3 Zipcar’s business model involves the four simple steps. These are â€Å"joining, reserve, unlock, and drive.† In this model, the firm urges its clients to join it through registering as members. The organization has 500,000 members with cards. A person pays a fee of $25 to join. In the reserve, one retains membership with the firm. The person pays an annual membership fee o f $50 to reserve his or her place to restore the membership card. The membership card allows the client to unlock the potentials that come with the company. Then the customer drives away with the car 4. Zipcar’s Rapid Growth and Strength Zipcar is growing at an express rate. This is because ten years after its formation, it was able to offer a whooping 8000 vehicles across the urban areas of Canada, North America, and London. Additionally, the firm has also expanded its operations and penetrated deep into the market by collaborating with other business enterprises to cut down their operating costs and increase the profit margins for the firm. However, the firm has an excellent operational model. Its cars are energy efficient. Nevertheless, by collaborating with several business enterprises, the firm will be forced to use heavy trucks in some cases. Apparently, heavy trucks are key contributors of carbon dioxide emission into the atmosphere. This will jeopardize Zipcar’ s strength of ensuring environmental sustainability. Discussion Questions of Case 4.2 The compelling reason for the successful business plan competition is the strong vision. This is partially attributable to the kind of approach it used in presenting its ideas to the audience. Although it is a business enterprise driven by the need to make profit, it puts emphasis on its humanitarian assistance mission across the disadvantaged populations in the developing world. Apparently, most people are touched by the deplorable conditions that some populations of the world go through. The marketing strategy for D.Light would involve demonstrations to potential clients. As a cofounder, I will seek the approval of the governments of these countries with downtrodden populations and offer some samples to the

Health Care Finance in the United States SLP Essay

Health Care Finance in the United States SLP - Essay Example NC Health Choice for Children does not cover pregnancy related services. Another major advantage of getting healthcare for citizens in North Carolina is that individuals cannot be rejected because of health condition. Furthermore, health Care Coverage program eligibility is based on family’s finance. Seniors along with unemployed need to have a specific medical need when application is made. Just like in other states, patients can opt for either HMO or PPO plans. This allows an individual to select a plan with a different ramifications since different provides will charge a different price. North Carolina’s policies regarding health care is not much different than federal policies outlined for other states. As a matter of fact, North Carolina dictates that children under 18 are eligible for Medicaid. Medicaid is quite essential is provides affordable healthcare to parties that cannot afford insurance. One important detail about Medicaid is the fact that nearly all cost-sharing is prohibited for children covered based on family income. Hence in separate plans, the state has the ability to demand premiums, deductibles or other cost-sharing fees. This means that children’s coverage can be covered by Medicaid or a private insurance company depending on the family’s income. Â  In North Carolina the self-employed and small business are guaranteed access, and insurance companies are limited in, which is dictated by other factors. One of the key factors that dictates healthcare polices is the cost of unhealthy versus healthy self-employed individuals and small groups. Even under the best of circumstances, those who are new to the health insurance market, or have previously been covered by an employer, should be prepared for sticker shock. A standard small group health insurance policy in North Carolina can easily cost $15,000 or more for a family. Most self-employees obtain the HNOnly Plan H-101, in which the deductible for individual is

Virtue in Machiavelli's Philosophy Essay Example | Topics and Well Written Essays - 1500 words

Virtue in Machiavelli's Philosophy - Essay Example "It is necessary for a prince, wanting to maintain himself, to learn how to be able to be not good and to use this and not use it according to necessity"(Machiavelli 57). He believes that one good man is surely going to suffer among those who are not good. Thus, the virtue of goodness is meaningless for Machiavelli. If a price is imagined to be just as what Machiavelli conceptualizes, he would not be less than a criminally wicked tyrant. On contrast, the Discourses is a good usable book, though being long, nostalgic, and difficult as well. Here, Machiavelli's advices go to not just the rulers but the citizens, social reformers, political leaders, and the founders of republics. The purpose served is to establish and sustain their liberty as well as the avoidance of corruption "unless indeed the goodness of one individual, together with virtue, keeps it free"(Machiavelli xxiv). Improving from the downgraded non-virtuous theme of The Prince, In Discourses, Machiavelli explain that as a new price tends to preserve his principality with glory for a long time-beyond his death-the foundation of a republic is the best approach. "A corrupt city that lives under a prince, can never be turned into a free one, even if that prince is eliminated along with all his line"(Machiavelli xxiv). However, one thing is clear that he devaluates the republics and principalities as imagined by the writers with virtue. And, the reason is that they emphasized on the moral virtue which, according to him, invites ruin; plus they also rejected violence, cruelty, and loss of faith, which are unavoidable and acceptable for the preservation of the principality according to him. And, this is what is objectionable in The Prince where he goes against the morality set by the classical and biblical values with an intention of framing a novel and modern "political" conception of virtue. The new definition of virtue means something that does not prevent the human from first gaining and then maintaining whatever has been gained, especially the authority. However, morality is one of his targeted themes that also include politics at the first place, necessity, fortune, religion, etc. As far as moral values are concerned, he shows his dislikes for the people of his time because, in his views, they were not actually following the "ancient virtue" but instead were content with keeping ancient statues in their homes, and thus honoring and imitating them in that way. The deeds rendered by the ancient rulers and republics were not at all imitated, neither their examples were meaningful to the then political scenario, according to him. In the first preface to the Discourses he talks about correct history knowledge lacked by his time. This suggests that Machiavelli was not against the ancient value; rather, he praises it with an aim of improving it. He was not much concerned about the would-be negative results of his writings and was eager to bring about a "Machiavellian" interpretation of the ancient virtue-along with a new look of the Renaissance in terms of modernity rather than a copy of the past. Machiavelli's virtue is questioned mainly because some of the advices in The Prince-such as cruelty for the sake of the subject-go against the virtue as perceived by the human masses. Also, his