How to Handle an Unexpected Bill

How to Handle an Unexpected Bill How to Handle an Unexpected Bill How to Handle an Unexpected BillHaving an emergency fund is a great way to handle surprise expenses, but what if the bill’s a mistake?Let’s set the sceneYou’ve settled into your couch after a long day at work. You’ve turned on Dancing With The Stars and are pumped for an hour of watching Frankie Muniz try to tango. You’ve got that day’s mail on your lapâ€"but you’re not worried. All your bills are up to date.And then suddenly there it is: an unpaid bill from the hospital. What the heck? You get up and check your files. You’re sure that you paid that bill from your daughter’s gall bladder surgery…In an instant, your quiet night of watching Terrell Owens go head-to-head with Barbara Corcoran on the glittering dance floor is ruined. Now you have to deal with this stupid bill that’s throwing your carefully planned finances into a tizzy.Unexpected bills mean unexpected headachesFor many folks, handling major expenses like medical and car repair bills isn’t easy. Ac cording to a study from the Kaiser Family Foundation, 45 percent of Americans report that they would have trouble paying a surprise bill of only $500. That same study also found that, among people with incomes under $40,000, 35 percent don’t think they’d be able to pay that bill at all.Paying off these kinds of surprise expenses is one reason that people turn to payday loans and title loans. These short-term no credit check loans come with extremely high interest ratesâ€"the Consumer Financial Protection Bureau (CFPB) estimates [PDF] an average APR of 339 percent for payday loansâ€"which is why they can all too easy trap borrowers in a dangerous cycle of debt.When it comes dealing with an unexpected bill, sketchy no credit check loans or pricy  cash advances on your credit card are clearly not the answer. Taking one out could only dig you deeper in the financial hole.Some unexpected bills are not to be trusted.Before figuring out just how you’re going to pay off that surprise bill, you first need to determine that the bill is legitimate. In a world that is rife with hackers and con artistsâ€"where incidents like the Equifax Hack and post-hurricane scammers can happen within a month of each otherâ€"you can never be too careful.Plus, it’s very well possible that a bill you’ve received was sent to you in error. (That’s the type of scenario we outlined in the opening section.) Lenders, debt collectors, hospitals, and utility companies are, after all, perfectly capable of making mistakes. Some even engage in shady, possibly illegal practices that deliberately mislead you as to what you owe.it’s not as though all lenders, credit card companies, and utilities are  In some cases, a bill will be a flat out scam. In other cases, it will just be the result of a clerical error.The two most common types of unexpected billsJim Wang (@WalletHacks) is a personal finance expert who shares his strategies for achieving financial independence on his blog, Wallet Ha cks. In regards to bills that are fake or inaccurate, he says that the most common kinds are medical bills and debts that are in collections:“Medical bills are notoriously hard to read, can often be coded incorrectly, and since theyre linked with something you know happened (some kind of treatment) its easy to fall into the trap of paying it.”“As for collections, thats a debt that was sold off and collection agencies can be very aggressive in how they try to recoup that money. Many times they cant even prove they own the debt in the first place.”How to handle a medical billFor medical bills, you need to go through each line item and confirm its accurate,” says Wang. This will be hard because the coding may be strange but look for anything that looks incorrect (one treatment instead of another) and anything thats added in but that you never received.”“Confirm the dates of the treatment match the date on the line items on each bill. Itll look scary but you need to go thr ough and ask questions about anything you dont recognize, medical billing fraud is huge.”“If theres something nefarious, Id look into calling an attorney,” he says.If you aren’t able to sort the situation out using only the bill itself, then Wang says that it’s time to start making calls:“Get the provider (usually the hospital or utility) and have them explain what each item is and why its on the bill. If you need to, you can call your insurance provider for help if things are unclear. If you dont get results you like, you can call your states department of insurance, they will have a fraud investigation team, and your states medical boards.”“If calling the provider or your insurance company doesnt resolve it, you need to get state and federal agencies involved. If its truly fake, it shouldnt come to that but if it does, reach out to an attorney for help because they will know the ins and outs of navigating that situation within your state.”How to handle a collecti ons billIf you have a bill that’s been sent to collections, there’s a good chance that the debt has been sold to a debt collection agency. This means that the original owner of the debt (a lender, hospital, utility company, etc.) sold the debt to this agency for a fraction of what you actually owed and wrote the rest of it off as a loss. That collection agency is now trying to recoup as much of the debt as they can from you.There have been many instances where collections agencies have used incredibly aggressive tactics (also known as harassment) to recoup the debts that they own. And while some of these tactics are legal, some of them are most definitely not.To learn more, see: What Debt Collectors Can and Can’t Do.If you think a debt collector might be fake, the Federal Trade Commission (FTC) offers the following advice:Ask them for their name, address, phone number, and company name.Ask that they send you a “validation notice” in writing.Send them a letter asking that t hey stop calling you as legit debt collectors legally have to do soâ€"but only if you request it in writing.Do not give them any personal information like your SSID, account numbers, etc.Contact the original creditor to whom you owed the debt so that they can confirm its status.Report the call to the FTC, the CFPB, or to your state’s Attorney General.Above all, be preparedIf you receive a surprise bill in the mail, and it turns out to be legitimate, then you’re going to have to pay it.The best way to prep for unexpected expenses is to build and maintain an emergency fund. Start with building up $1,000 dollars, then work your way up to a fund that covers six months worth of expenses. Eventually, you should have enough in savings to cover two years worth of costs.To learn more about building an emergency fundâ€"and other good financial practicesâ€"you should check out our recent blog post: 7 Bad Money Habits That Lead to Bad Credit.Above all, you should avoid predatory  bad credit loans like payday and title loans. If you absolutely have to turn to personal loans to handle your bill, you should probably stick to more affordable installment loans.(And if you’re going to apply for an installment loan, might we suggest you apply for one from OppLoans? We’re awesome, we promise.)Don’t let surprise bills knock off your game. Be thorough, be prepared, and you’ll be back to enjoying Dancing With the Stars before you know it.Have you ever received a bill that you later learned was fake? We want to hear about it! You can email us or you can send us a tweet at @OppLoans.ContributorsJim Wang shares his strategies for getting ahead financially and in life at Wallet Hacks (@WalletHacks). Jim has been writing about personal finance for over ten years and has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. How to Handle an Unexpected Bill How to Handle an Unexpected Bill How to Handle an Unexpected BillHaving an emergency fund is a great way to handle surprise expenses, but what if the bill’s a mistake?Let’s set the sceneYou’ve settled into your couch after a long day at work. You’ve turned on Dancing With The Stars and are pumped for an hour of watching Frankie Muniz try to tango. You’ve got that day’s mail on your lapâ€"but you’re not worried. All your bills are up to date.And then suddenly there it is: an unpaid bill from the hospital. What the heck? You get up and check your files. You’re sure that you paid that bill from your daughter’s gall bladder surgery…In an instant, your quiet night of watching Terrell Owens go head-to-head with Barbara Corcoran on the glittering dance floor is ruined. Now you have to deal with this stupid bill that’s throwing your carefully planned finances into a tizzy.Unexpected bills mean unexpected headachesFor many folks, handling major expenses like medical and car repair bills isn’t easy. Ac cording to a study from the Kaiser Family Foundation, 45 percent of Americans report that they would have trouble paying a surprise bill of only $500. That same study also found that, among people with incomes under $40,000, 35 percent don’t think they’d be able to pay that bill at all.Paying off these kinds of surprise expenses is one reason that people turn to payday loans and title loans. These short-term no credit check loans come with extremely high interest ratesâ€"the Consumer Financial Protection Bureau (CFPB) estimates [PDF] an average APR of 339 percent for payday loansâ€"which is why they can all too easy trap borrowers in a dangerous cycle of debt.When it comes dealing with an unexpected bill, sketchy no credit check loans or pricy  cash advances on your credit card are clearly not the answer. Taking one out could only dig you deeper in the financial hole.Some unexpected bills are not to be trusted.Before figuring out just how you’re going to pay off that surprise bill, you first need to determine that the bill is legitimate. In a world that is rife with hackers and con artistsâ€"where incidents like the Equifax Hack and post-hurricane scammers can happen within a month of each otherâ€"you can never be too careful.Plus, it’s very well possible that a bill you’ve received was sent to you in error. (That’s the type of scenario we outlined in the opening section.) Lenders, debt collectors, hospitals, and utility companies are, after all, perfectly capable of making mistakes. Some even engage in shady, possibly illegal practices that deliberately mislead you as to what you owe.it’s not as though all lenders, credit card companies, and utilities are  In some cases, a bill will be a flat out scam. In other cases, it will just be the result of a clerical error.The two most common types of unexpected billsJim Wang (@WalletHacks) is a personal finance expert who shares his strategies for achieving financial independence on his blog, Wallet Ha cks. In regards to bills that are fake or inaccurate, he says that the most common kinds are medical bills and debts that are in collections:“Medical bills are notoriously hard to read, can often be coded incorrectly, and since theyre linked with something you know happened (some kind of treatment) its easy to fall into the trap of paying it.”“As for collections, thats a debt that was sold off and collection agencies can be very aggressive in how they try to recoup that money. Many times they cant even prove they own the debt in the first place.”How to handle a medical billFor medical bills, you need to go through each line item and confirm its accurate,” says Wang. This will be hard because the coding may be strange but look for anything that looks incorrect (one treatment instead of another) and anything thats added in but that you never received.”“Confirm the dates of the treatment match the date on the line items on each bill. Itll look scary but you need to go thr ough and ask questions about anything you dont recognize, medical billing fraud is huge.”“If theres something nefarious, Id look into calling an attorney,” he says.If you aren’t able to sort the situation out using only the bill itself, then Wang says that it’s time to start making calls:“Get the provider (usually the hospital or utility) and have them explain what each item is and why its on the bill. If you need to, you can call your insurance provider for help if things are unclear. If you dont get results you like, you can call your states department of insurance, they will have a fraud investigation team, and your states medical boards.”“If calling the provider or your insurance company doesnt resolve it, you need to get state and federal agencies involved. If its truly fake, it shouldnt come to that but if it does, reach out to an attorney for help because they will know the ins and outs of navigating that situation within your state.”How to handle a collecti ons billIf you have a bill that’s been sent to collections, there’s a good chance that the debt has been sold to a debt collection agency. This means that the original owner of the debt (a lender, hospital, utility company, etc.) sold the debt to this agency for a fraction of what you actually owed and wrote the rest of it off as a loss. That collection agency is now trying to recoup as much of the debt as they can from you.There have been many instances where collections agencies have used incredibly aggressive tactics (also known as harassment) to recoup the debts that they own. And while some of these tactics are legal, some of them are most definitely not.To learn more, see: What Debt Collectors Can and Can’t Do.If you think a debt collector might be fake, the Federal Trade Commission (FTC) offers the following advice:Ask them for their name, address, phone number, and company name.Ask that they send you a “validation notice” in writing.Send them a letter asking that t hey stop calling you as legit debt collectors legally have to do soâ€"but only if you request it in writing.Do not give them any personal information like your SSID, account numbers, etc.Contact the original creditor to whom you owed the debt so that they can confirm its status.Report the call to the FTC, the CFPB, or to your state’s Attorney General.Above all, be preparedIf you receive a surprise bill in the mail, and it turns out to be legitimate, then you’re going to have to pay it.The best way to prep for unexpected expenses is to build and maintain an emergency fund. Start with building up $1,000 dollars, then work your way up to a fund that covers six months worth of expenses. Eventually, you should have enough in savings to cover two years worth of costs.To learn more about building an emergency fundâ€"and other good financial practicesâ€"you should check out our recent blog post: 7 Bad Money Habits That Lead to Bad Credit.Above all, you should avoid predatory  bad credit loans like payday and title loans. If you absolutely have to turn to personal loans to handle your bill, you should probably stick to more affordable installment loans.(And if you’re going to apply for an installment loan, might we suggest you apply for one from OppLoans? We’re awesome, we promise.)Don’t let surprise bills knock off your game. Be thorough, be prepared, and you’ll be back to enjoying Dancing With the Stars before you know it.Have you ever received a bill that you later learned was fake? We want to hear about it! You can email us or you can send us a tweet at @OppLoans.ContributorsJim Wang shares his strategies for getting ahead financially and in life at Wallet Hacks (@WalletHacks). Jim has been writing about personal finance for over ten years and has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

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My Trip to Amsterdam - 1435 Words

I am lucky enough to say that my dad took me to Amsterdam. I was seventeen at the time and a junior in high school. To a seventeen year-old, Amsterdam is known as the party capital of the world, or the Las Vegas a Europe (minus the billionaire casinos). In other words, Amsterdam is known as the place to go if you want to â€Å"party, party, party,† with the minimal fear of consequences. Amsterdam is a city on water in the Netherlands. There, the consumption of marijuana is legal as long as the person consuming it is at least eighteen. The drinking age for beer is sixteen, for liquor is eighteen, and to buy tobacco there, the person has to be at least sixteen. Prostitution is also legal there, which the Red Light District is quite famous for.†¦show more content†¦They are establishments created for buying and smoking pot. After stepping through the door with a large and bold â€Å"eighteen years and older only† sign, I saw a counter with a rather extensive list of pot names and matching prices. Even though I was seventeen, I disregarded the sign I saw on the door. I don’t think anyone there cared anyway. Behind the counter were couches with short tables in front of them. We sat at a couch and thirty minutes and a few tries, we managed to roll up a marijuana cigarette from the weed we had just purchased. This was epic to me. Hawaiian Haze is what our pot was called. It had a citrus, skunk-like odor and was lime green buds dressed with millions of tiny luminescent crystals. We smoked the Hawaiian Haze marijuana cigarette and both agreed that its potency was insane. I felt as if I was in another world and everything was slightly humorous. I wasn’t used to this feeling but it was fun and interesting to me. I spent my time the first day at various coffee shops, meeting new people and striking up conversations at any opportune moment. Luckily for me, English is a well known language there. My second night there, I visited a sports bar whom the owner of my hotel also owned. It was quite nice and had numerous, comfortable couches and multiple large flat-screen televisions displaying soccer. There was also darts, slot machines, pool tables, and even computer with free internet access. I drank a couple of Amstel beers while I wasShow MoreRelatedEssay On Preparing Around The World Trip998 Words   |  4 PagesFor An Around The World Trip This is my first time preparing for an around the world trip and I thought I’d write a little about my experience and what I’m trying to do to be prepared both mentally and physically. I’ve been to Europe once and have traveled extensively around the United States since I was a child. 4 Week Central Europe Experience For this trip I plan on spending 4 weeks in Europe then fly from a city there to Bangkok, Thailand. I’m starting in Amsterdam, staying at a hostel andRead MoreThe Fault In Our Stars by John Green Essay696 Words   |  3 Pageswas a cloudy day, typical Indiana: the kind of weather that boxes you in.† In the second half of the story, the setting switches to Amsterdam, which is the complete opposite of Indiana. Augustus and Hazel both confess a feeling of freedom, describing how they feel that anything is possible. I chose to use a jar filled with water to represent the setting. Because Amsterdam is 2m below sea level and is at constant risk of flooding, it’s like a â€Å"drowning city†, and similarly Hazel could be called a â€Å"drowningRead MoreAnalysis Of The Fault In Our Stars1321 Words   |  6 Pageswith her. Gus asks if they could know the plotline following the end of the book, but unfortunately the duo will only inform them in person for copyright reasons. Lidewij and Peter invite Hazel and Augustus to come to their house if they ever visit Amsterdam. Hazel flawlessly describes her pain at multiple points in the book. One definition is, â€Å"Even then, it hurt. The pain was always there, pulling me inside of myself, demanding to be felt† (Green 142). Pain is an underlying condition that damagesRead MoreBook Report: Fault in Our Stars1243 Words   |  5 Pagesreally wanted Hazel to feel loved so he used his Genie Foundation Wish, a organization that helps cancer patients wishes comes true, to take her to Amsterdam to meet Peter Van Houten. Hazel agreed to go because this was her favorite writer in the world, she wasn’t about to turn this trip down; so Augustus, Hazel, and Hazel’s mother are on the way Amsterdam. Hazel does one last thing before she goes, she goes to the Support Group. She then see her friend Isaac, who is still trying to learn how to operateRead MoreThe Fault Of Our Stars By John Green1023 Words   |  5 PagesHouten, the man who wrote the book that Augustus and Hazel could not stop reading, An Imperial Affliction. They loved the book so much that Augustus spent his cancer wish, a wish that kids with cancer made to do what they wished to do, to go to Amsterdam with Hazel and meet Peter Van Houten. The next main character is Augustus’s best friend, Isaac. Isaac is the whole reason that Augustus and Hazel met, Isaac dragged Augustus to support group with him, and at support group, Hazel and Augustus couldRead MoreThe Fault In Our Stars Theme Essay1394 Words   |  6 Pageswhatever, you know?’ ‘Okay. I’ll have fun tonight, okay? I’ll go do crazy mom stuff while you and Augustus go to dinner.’†. These lines are the dialogue between Hazel and her mom when they were together in Amsterdam. Hazel is demonstrating that she really wants her mom to have fun during their trip instead of wasting this opportunity because of her. Her mom, however, appears to be secretly worried. Her parents should be, but simply saying what Hazel wou ld want to hear to have her ease on her plans.Read MoreDear My Not A Diary1240 Words   |  5 PagesDear my Not-A-Diary, The world is one cruel place to be in. At all times. There is never an exception, not even for the good people of the world. And in this world I met the most wonderful girl. Of course, she has cancer in her, because screw her and her happiness in this messed up world. Of course, it could be worse for her. She could’ve died a long time ago from what she has. But then again, what has being alive gotten her? To meet me. And meeting me is quite lovely. But I do feel likeRead MoreNigerian Diaspora And The African Diaspora1256 Words   |  6 PagesStates, I have struggled with understanding my identity as a Nigerian-American. I did not realize how much my culture and I have adapted to mainstream American culture until I went back to Nigeria and found myself as an outsider. I would like to explore how other Nigerians have been able to hold on different aspects of their culture, which cultural aspects they are able to hold onto, while adapting to the dominant culture of their new countries. During my time here at Carolina, I did not have theRead More Personal Narrative Sociological Concepts in My Trip to Europe947 Words   |  4 PagesPersonal Narrative Sociological Concepts in My Trip to Europe My trip to Europe was an eye opening experience. It awakened my senses to so many different aspects of life I had not already been introduced to. It was almost like watching a movie, from the minute I stepped of the plane everything was different. When I think about the trip and what experiences I had many sociological concepts come to mind, such as culture shock, ethnocentrism, culture, social locators, cultural transmission, normsRead MoreThe Jewish Concentration Camp On The Camp1460 Words   |  6 Pagesactually took place. I never knew all of the symbols each prisoner wore and had no clue there was a different symbol for everyone in the camp. Seeing the original prisoner suits was amazing yet sad. The status of the mangled bodies will be imbedded in my memory and I will never forget what the wall stated which was â€Å"Never again.† The solidarity jail cells was eye opening. The different places for each religion were a great way to bring togetherness. After tour was over we got fries and napped Went to

Kinkos Free Essays

After the reorganization, management layers in the company’s hierarchy were reduced from twelve layers to six. The top management level was represented by the Chief Executive Officer. The company has a centralized approach of management. We will write a custom essay sample on Kinkos or any similar topic only for you Order Now Many of the decisions that had been made in the stores were made by top management. The concentration of decision-making authority at the upper levels of an organization is often justified based on the need to achieve better coordination and consistency in all the organization activities, operations and policies. Span of Control The Executive Vice President of operations has direct authority over the Vice President of marketing and two general managers for retail operations, operations support, and real estate. These general managers, on the other hand, have a direct control over 18 operations directors. These operations directors have control over the seventy-four district managers and the human resource and technology staff. Grouping Activities in FedEx Kinko’s Office and Print Services, Inc. The company was reorganized by geographical region- East, West, Central, and International. Partners who owned the largest group of stores headed up their regional divisions. The stores have been reorganized into a hub- and- spoke configuration. Does Kinko’s use an organic or mechanistic system to achieve integration? Kinko’s uses a mechanistic system to achieve integration. We can see that FedEx Kinko’s Office and Print Services, Inc. has exemplified the characteristics of highly formalized and â€Å"bureaucratic† organizations. Kinkos’s was relatively a large company; hence, a mechanistic system is very appropriate in order to manage and monitor all stores. In addition, we can notice that managers provide a considerable direction and control over the other.   The company is highly centralized, wherein all the decisions were made by top-level positions. All the operations of the company and the working behavior of the employees are governed by the instruction and decisions issued by superiors. The company has a hierarchic structure of control of authority. In line to this, there is a vertical direction of communication through the organization. All the interaction made is form top to bottom. The company is highly standardized. Qualifications for top executives have been standardized. Each person must be a strong team player, had previously been with successful organization and each held job with high accountability. The company also used formal specification of methods in the performance of a job. In fact, all stores were connected through the Internet so that jobs could be allocated, distributed, or shared, as the need arose. There is a precise definition of obligation for each position or role. For instance, each operation director has the responsibility on the profit and loss in a distinct geographical market. All of these characteristics exemplified by the company have resembled the characteristics of a mechanistic system. References Allen, Gemmy. (1998). Organizing Process. Retrieved April 1, 2008    How to cite Kinkos, Essay examples

Review of Band Baaja Baarat

Questions: 1. Summarize what kapur means by, Bollywood culture industry (see 222). Give some examples how this aesthetic has spread outside the industry. 2. What does kapur mean by narrative flattening in the themed movies of 1990s? Does Band Baajaa Baaraat fit this profile? 3.what does it mean for the neoliberal subject to be regulated by the stress of asserting individuality and style (kapur227)? Do you agree? Answers: 1. According to Kapur Bollywood Culture Industry tries to portray the extravaganza involved in Indian culture, especially in Indian wedding ceremonies in global domain. According to her, the heart of Indian cinema deals with the family-oriented behavior of Indian people. It shows melodramatic sessions of Indian family oriented problems, the happy times associated in family bonding and the lavish Indian wedding scenario (Kapur 2009). The Indian government also encourages in promoting the Indian culture at global platform by highlighting the extravagancy in consumption culture of the Indians during a wedding season to give them the notion of the depth of Indian culture. This notion of Indian culture where family comes as the first priority has also been observed in the wedding ceremonies in real life. Recent trend shows that people from richer section of the society are engaged in theme-based, destination-based weddings and inviting celebrities to perform a function in the occasion which involves costs in crores of the currency. 2. Indian Cinema has shown narrative flattening in the movies released during 1990s. According to Kapur, Indian film has well imbibed the claustrophobic and ruthless level of narration. It tries to eliminate the existence of villains, melodrama between the fight for justice by the goods and bads, antagonisms, etc. The complexity of the human life has been minimized in the Indian cinema while the happy side of wedding, specially the Hindu wedding has been elucidated through different movies (Kapur 2009). The chosen film named Band Baajaa Baarat highlights this aspect of narrative flattening in the movie. The movie shows the way in which two people meets accidently and then the friendship grows amongst them along with the growth of their professional careers. It then depicts some emotional turmoil that the two characters underwent while trying to separate their personal and professional life but things end up in a happy note. Here again the problems of life has been minimized whereas t he happy facets has been highlighted resulting in an epitome example of narrative flattening. 3. Neo-liberal dynamic implies changes in the society that are incorporated with the social segments. In Indian cinema it has been seen that the Indian traditions has been prioritized and made superior. The cinemas were unable to incorporate all the difficulties that the society passes through while they pass through this transformation (Kapur 2009). According to my view, the movie Band Baajaa Baarat also goes through the same problem. It showed that the two main characters Bittoo as potrayed by Ranveer Singh and Shruti as potrayed by Anushka Sharma faced minimal restrictions from their family regarding their relationships. In reality, the Indian people still juxtaposed between modernization and orthodox mentality often poses hindrance in the relationship of their children. This has been eliminated the movie. In reality the Indian people especially the mediocre family causes a hindrance and often there are cases where the two people in relationships gets separated on force from their family. References: Kapur, Jyotsna. "An Arranged love marriage: India's neoliberal turn and the bollywood wedding culture industry."Communication, Culture Critique2, no. 2 (2009): 221-233.

Steve Jobs greatest product Apple II

Steve Jobs’ death has devastated great masses of Apple products consumers as well as the business community itself.Advertising We will write a custom report sample on Steve Jobs’ greatest product: Apple II specifically for you for only $16.05 $11/page Learn More According to Jackson’s article, Jobs had made an unprecedented impact on world’s electronic consumer market where his string of successful products like iPhone, iPad tablet and iPod have changed the whole arena of the PC world, electronics and the digital media industries thus he is one of the greatest CEOs of all time (Jackson, 2011, p. 1). According to Jackson (2011), as many across the globe associate Jobs with his recent iDevices, Canadian consumers have had a different perception when it comes to prioritizing some of Jobs greatest Apple products. They consider Apple II to be Jobs greatest achievement to their world of computing. A third of the Canadian consumer so ciety credits the Apple II personal computer as having the greatest impact in their personal computer lives. Though the Canadians do appreciate Jobs’ mobile devices that helped register a new wave on the mobile device functionalities which blended its personal computer capabilities, they still take the Apple II to be the best device ever. This means the Canadians’ priority of Apple II is at the essence of their classical approach from personal computers to iDevices thus their emphasis still remain gripped within their first experience with the Jobs Apple II innovation. There is much that needs to be considered before analyzing any poll results especially in the consumer markets. For instance, there is need to evaluate the age groups (demographics) of the voters/respondents. There is also the need to look at the experience of the voters or respondents with different gadgets (Apple product opinion poll – Asking Canadians). These are some of the many considerations that need to be in check before coming up with a candid conclusion on the research/poll findings.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Jackson’s article on the most preferred Apple product among the Canadian consumers which claims that Apple II personal computer is Jobs best product among the Canadians, can be said to be biased because he does not enlist the criterion chosen when determining the participants in the poll. Additionally, the 1034 respondents (Jackson, 2011, p. 1) of the poll may not be a good enough representative number of technological consumers which is presumed to be over two thousand. In the recent wave of Apple’s products, the iPhone 4s seems to have a lot of interest among the Canadian consumers and with such a surmountable interest, it may be among the best favored Apple products in the Canadian technological consumer segment in terms of expe rience and functionalities (Clandestine, 2011, p. 1) which in return, can surpass the Apple II preference. Jackson’s conclusion on Apple II as the most preferred gadget in Canada is limited in view because it did not consider the changing retail market structures, the increasing use of technological stores (Apple Stores), the internet and the consumer market place, the growing presence of social networking as the new advertisement, consumer front and the changing trends in the tastes and preferences among consumers (Digital Life, 2011, p.1). With the above variations in mind, it is clear that with time, the consumer perceptions change especially with new gadget experiences as well as diversified innovations on the same. Thus, the young generation may be more compelled to use the iDevices and this may be their first experience with Jobs products. Reference List Clandestine, B. (2011). The N E W iPhone 5 / iPhone 4S. Hub-pages. Web. Digital Life. (2011). iPhone 4S pre-orders re cord-setting 1 million in first day. Communication Technology – Blog. Web.Advertising We will write a custom report sample on Steve Jobs’ greatest product: Apple II specifically for you for only $16.05 $11/page Learn More Jackson, B. (2011). Steve Jobs’ greatest product the Apple II, Canadians say. IT Business Canada – Blog. Web. This report on Steve Jobs’ greatest product: Apple II was written and submitted by user Paola Sears to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Hey Nutrition Essay Example

Hey Nutrition Essay Example Hey Nutrition Paper Hey Nutrition Paper 1. PROTEIN is composed of amino acids. It is required to synthesize and repair muscle and other tissues and maintain fluid and acid-base balance in the body. Proteins also function as enzymes, hormones, and transporters. If necessary, the body uses protein to meet energy needs (4 kcals per gram). Excess kcals from protein are stored as body fat. If you consumed 60 grams of protein in a day, how many kcals would this convert to? (Choose your answer and delete the rest). (1 point) b) 240 kcals 2. The AMDR (Acceptable Macronutrient Distribution Range) for daily intake of protein is 10% 35% of an adult’s calorie needs (see Chapter 2, page 50: 57. 31 grams. (1 point) Answer:83. 89 4. Refer to your All Nutrients Spreadsheet and determine which DAY (1, 2, or 3) had the LOWEST intake of protein. List the DAY and the total amount of protein in GRAMS (See â€Å"Day Total† in bold at the end of each day in the Prot (g) column). Example: Day 2 = 39. 4 grams. (1 point) Answer: Day 1= 76 grams 5. The RDA for protein is based on an individual’s body weight. Most healthy adults need 0. 8 grams of protein for every kilogram (kg) of body weight (see Chapter 6, pages 242 243). In general, Americans are either meeting or exceeding their protein needs. Determine YOUR protein requirements by converting your body weight from pounds to kilograms and multiplying by 0. 8. There are 2. 2 kilograms in a pound (so your weight in kg should be a LOWER number than your weight in lbs). SHOW YOUR WORK for full credit. Example: 120 lbs / 2. 2 = 54. 54 kg x 0. 8 grams = 43. 63 grams of protein. (2 points) Answer:154lbs/2. 2=70kg x 0. 8 grams = 56 grams of protein 6. Look at your answers on the two previous questions. How did your protein intake on your â€Å"lowest day† compare to the protein RDA you calculated? (Choose your answer and delete the rest). (1 point) MET or EXCEEDED Calculated Protein RDA 7. Determine what PERCENTAGE of your daily kcals came from protein by EITHER listing the number listed on your Calorie and Fat Sources Report (Sources of CaloriesBox)OR by dividing your ACTUAL intake of protein (in kcals) by your TOTAL daily kcals. Example: ? 57. 3 g Protein x 4 kcals/g = 229 kcals from Protein /1333 total kcals = 17%. (1 point) Answer: 26% 8. How did your intake compare to the Acceptable Macronutrient Distribution Range (AMDR) for Protein? (Choose your answer and delete the rest). (1 point) MET the Recommendation (10% 35% of kcals) 9. Which meal (Breakfast, Lunch, Dinner, or Snack) represented your HIGHEST intake of protein (see Meal Assessment Report )? List the MEAL and the PERCENTAGE of total protein it accounted for. Example: Breakfast, 43%. (1 point) Answer: Dinner 36% 10. A) Explain why plant proteins (other than soy) are considered â€Å"incomplete† and why animal proteins (from meat, dairy, and eggs) are considered and â€Å"complete†. Refer to your textbook if necessary (Chapter 6, pages 239 242). B) List your 2 BEST sources of protein (see All Nutrients Spreadsheet (Prot (g) Column). Indicate whether they are complete or incomplete. (2 points) Part A: A complete protein (animal protein) is a source of protein that contains an adequate proportion of all nine of the necessary for the dietary needs of humans or other animals. Some incomplete protein (plant protein) sources may contain all essential amino acids, but a complete protein contains them in correct proportions for supporting biological functions in the human body. Part B: Fish Chicken 11. VEGETARIAN CASE STUDY. Erin is a 26-year-old college student. She weighs 145 pounds and is moderately active. She is also a lacto-ovo vegetarian. On a typical day, Erin eats at least 3 meals, meets her energy needs, and includes a variety of foods in her diet. Two of the following statements below are CORRECT. Choose your answers and delete the rest. (1 point) b) She includes milk and eggs in her diet but restricts meatd) The quality and amount of protein in her diet is probably adequate 12. VEGAN CASE STUDY. Randi is 18-years-old and has recently decided to become a vegan. She weighs 124 pounds, tends to be a rigid eater, and doesn’t do very well at including complementary proteins in her diet. Although there are certainly benefits to a plant-based diet, she’s been told that vegans are at a higher risk for certain nutrient deficiencies and other health problems. Refer to Chapter 6 in your textbook (pages 248 255). A) List at least 4 nutrients that are more likely to be missing or insufficient in a vegan diet AND B) List at least 4 health problems or conditions that can result from an insufficient intake of protein. (2 points) Part A: Vit-D, Vit-B12, protein, calcium Part B: marasmus, kwashiorkor, low energy, poor immune system, bone health issues 13. ATHLETE CASE STUDY. Landon is a 34-year-old athlete. He weighs 165 pounds and competes in marathons and other high-endurance sports. The protein requirement for athletes is typically 1. 0 1. 5 grams per kilogram of body weight. For high-endurance and/or competitive athletes, up to 2. 0 grams per kilogram of body weight is recommended. Assume that Landon needs 1. 5 grams of protein per kilogram of body weight. A) Determine Landon’s protein needs (in grams). Assume that he needs 1. 5 grams of protein per kilogram of body weight. SHOW YOUR WORK for full credit. B) List at least 4 health problems or conditions that can result from excessive intake of protein (Chapter 6, pages 248 255). (2 points) Part A: 165lbs/2. 2=75kgx1. 5grams=112. 5 grams Part B: cardiovascular disease, kidney stones, osteoporosis, some types of cancer 14. A) Evaluate your intake of protein. Are you consuming more or less than you realized? What food sources of protein are most common in your diet (plant or animal sources)? Are you getting enough or too much? Is this something you’re concerned about? Why or why not? B) Identify at least one SPECIFIC and measurable improvement in regards to your protein intake that you’re willing to make starting this week. A measurable goal usually has numbers and/or a time frame in it (i. e. â€Å"Right now, most of my protein is coming from animal sources that are also high in fat. This week, I’m going to replace at least ONE high-fat animal product PER DAY with a healthier choice (like fish, yogurt, low-fat milk, nuts, beans, seeds, an egg sandwich, etc†). (2 points) Personal Evaluation: I am ok with the amount of protein in my diet. I think most of my sources of protein are healthy sources like fish and yogurt. I feel like I am pretty aware of the protein in my diet and am satisfied with the ratio. Specific Goal: Right now, most of my protein is coming from animal sources that are also low in fat. This week, I’m going to experiment and try to eat a Lacto-Ovo-Vegetarian diet an see how I feel as well as measure my protein intake vs. fat intake. 15. APPLICATION QUESTION Select and complete an Application Activity from the list of options (also linked on the homepage). List the NUMBER and DESCRIPTION (in bold lettering on the list). Report on what you did and what you learned. Your answer should be at least 4 lines long and demonstrate that you took this assignment seriously. Alternatively, you can read Fighting Inflammation (Published in the Nutrition Action Health Letter, Nov 2011) and write a synopsis of the article. Your summary needs to be at least 6 lines long and include specific content from the article. Please also include what you learned and how you plan to apply this information. (5 points) Application Activity ___Fighting Inflammation_ (or Read â€Å"Fighting Inflammation† Article) Answer: â€Å"Heart disease, cancer, Alzheimer’s disease, the metabolic syndrome, physical disability. That’s just a partial list of the illnesses that have been linked to chronic inflammation. It’s different from the classic, red, swelling, white-cell kind of inflammation that we’re used to thinking of, explains Walter Willett, chair of the Nutrition Department at the Harvard School of Public Health. Instead, it’s more of a slow burn that’s detected only by a rise in inflammatory signals, or markers- proteins produced by the immune system to fight infection or heal an injury (though not the kind of injury you can necessarily see or feel). The question is: how can you douse the flames? So far, only one thing is clear, says Willett. The most powerful way to reduce your inflammatory factors is to lose excess weight. †(Nutrition Action Health Letter, November 2011) This very first portion of the article had me hooked. But my mind instantly thought inflammation, like cut your finger accidentally and the area will swell, redden, and heat up. I then learned this type of acute inflammatory response is the bodys reaction to trauma, and its an essential part of the healing process. But inflammation can be harmful when it hangs around too long and refuses to leave. When the inflammation switch refuses to turn off, the body operates as if it is always under attack and the older we get, the more likely this is to happen. White blood cells flood the system for weeks, months, and even years. While anti-inflammatory drugs do exist, they can injure the stomach or suppress the immune system. Fortunately, the situation can be remedied by a change in diet, specifically by altering the kinds of fats you eat. Omega-3 fatty acids tend to decrease inflammation while omega-6 fats and trans-fats increase inflammation. Most of all the small statement ? ose excess weight? Left the bells in my head ringing. I want to monitor my diet more closely and implement some of these eating habits and increase healthy foods like, fish, nuts, seeds, oils, lean grass-fed meats, fruits, vegetables and spices such as turmeric, cloves, and ginger to see if I notice a difference in the way I feel.