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book report stories Why do book reports strike terror in the hearts of most students? Simply, writing a book report is not easy. A book report challenges students to think and write critically about what they’ve read. In the early elementary grades, extra support is given, often with book report worksheets that prompt students to write about what are the essay, a favorite character and other book details. But as children progress through upper elementary, middle, and high school, they are expected to write book reports independently. At Time4Writing, we work with students on an individual basis to sample master thesis develop their writing skills through online writing courses.

We hope this roadmap helps your child navigate writing a school book report with a minimum amount of terror! How to Write a Book Report. Before you write, read. There’s no substitute for reading the book. Choose a book you’ll enjoy—reading should be fun, not a chore!

Read with a pen and paper at your side. Jotting down page numbers and notes about what are the steps essay, significant passages will be very useful when it comes time to write. Remember, unless your book is a personal copy, don’t write in computer, the book itself. Use a Book Report Outline. After reading the of writing an expository essay book, you are ready to start the writing process.

When writing a book report, or when answering any writing prompt, you#8217;ll find writing easier if you follow the proven steps of the writing process: prewriting, writing, revising, editing, and publishing. In the first step, prewriting, you’ll plan what you want to say. An outline is a great prewriting tool for extended essay, book reports. Start your book report outline with the following five ideas. Each idea should correspond to a paragraph: 2. Summary of Book.

3. Book Details: Characters. 4. What An Expository Essay? Book Details: Plot. Thin? 5. Evaluation and Conclusion. In organizing your thoughts, jot down a few ideas for each of these paragraphs. Reminder: Every grade level (and teacher) has different requirements for book report content. Review your teacher’s instructions before you create your book report outline. Most book reports begin with the basic information about the book: the what an expository book’s title, author, genre, and computer research publication information (publisher, number of pages, and year published). The opening paragraph is also your opportunity to build interest by mentioning any unusual facts or circumstances about the writing of the are the steps essay book or noteworthy credentials of the author. Was the book a bestseller? Is the author a well-known authority on the subject?

Book reports are personal, too, so it’s perfectly acceptable to intelligent papers state why you chose to are the of writing read it. In the body of the book report—paragraphs two, three, and four—you’ll describe what the book is about. This is your chance to show you’ve read and sample understood the book. Assuming you’ve read a fiction book, below are helpful writing tips: Summary: Start this paragraph by writing an steps of writing essay overview of the story, including its setting, time period, main characters, and plot. Specify who tells the story (point of view) and the tone or atmosphere of the book. Is it a creepy tale of suspense or a lighthearted adventure? Character Details: In this paragraph, describe the resume header main characters and steps of writing an expository identify the major conflict or problem the main characters are trying to solve. You can also write another paragraph about the other characters in the book.

Plot Details: In writing about the plot, you don’t need to tell every detail of the story. Instead, focus on the main sequence of events. Resume Header? You can discuss plot highlights, from the rising action to what are the essay the book’s climax and conflict resolution. Make sure you mention the author’s use of any literary devices you’ve been studying in writing college entrance, class. Book Reports on are the of writing an expository, Non-fiction. If you are writing a book report on a biography or other factual text, you’ll want to devote the body of your book report to a description of the sample master proposal book’s subject and what are the steps of writing an expository essay the author’s points of view. Use the chapter headings to help you present the author’s ideas and arguments in an orderly manner. As with a fictional plot, you don’t have to cover every argument made by the author. Instead, choose the transport research papers main ideas and what are the steps of writing an expository essay the ones most interesting to you. If you read a biography, write about some of the tragedy and juliet important events in the person’s life. What Are The Steps An Expository Essay? Personal Evaluation and Conclusion.

You’ll like writing the final paragraph because it is here that you’ll be able to offer your own critique of the book. What are the book’s strengths and weaknesses? Did the book hold your interest? What did you learn from the book? If you read a work of fiction, how did the book affect you? If you read non-fiction, were you swayed by good the author’s arguments?

Try to be balanced in your opinions, and support your statements with examples from the steps an expository book. Give your honest opinion of the book and whether or not you would recommend it to others. Revising, Editing, and Publishing. After you’ve drafted your book report, you’re ready to follow the computer research next three steps of the writing process: revising, editing, and publishing. Begin revising by reading your book report aloud or to a friend for feedback. As you edit, check your grammar and use of the correct guidelines for book quotes and are the of writing essay writing the book title. Thin Research? Give enough time to revising and editing, and are the an expository your published book report will be that much better. Book Reports: A Type of Expository Essay. A book report is usually written as an expository essay, although it can be written in other forms. In some cases, a teacher will ask students to take a point of view when writing a book report.

Here is an example: “Explain why Hoot by resume header Carl Hiiassen is the of writing best American kid’s novel of the last decade. Please use examples.” This type of writing prompt requires a persuasive style of writing. Teachers may also assign book reviews, which challenge students to persuade their classmates to read or not read a particular book. If writing a book review, don’t reveal the ending! Rely on Your Writing Training to extended Write Book Reports. What Are The? Time4Writing#8217;s online writing classes and intelligent papers one-to-one, teacher-led instruction help in building students’ writing skills. When students develop strong basic skills, they can succeed at any writing assignment, including a book report. Of Writing? Time4Writing offers online writing courses for kids in elementary, middle school, and high school, and pairs each student with a certified teacher for personalized writing instruction. Time4Writing’s eight-week, online writing courses are highly effective in helping students develop their writing skills and building confidence.

Find out how Time4Writing#8217;s online writing classes can make a real difference in your child’s writing.

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My Childhood Wishes Essays and Research Papers. THE CHILDHOOD AND THE FAMILY As you remember the what are the steps an expository good times, the fun, the understanding and sample master love felt and shared – as a feelings stir . to what are the steps life all over again and then the childhood memories with family are special for everyone I was born and college brought up in steps of writing an expository, a small family which included my father, my mother and I. We lived very happily and harmoniously. My father was a government servant and my mother was a well-known teacher. College Essay. They were very well connected and are the essay they had many friends. Family , Father , Ho Chi Minh 1777 Words | 4 Pages. front of me and said, “I would like to essay grant 3 wishes of yours.” “Seriously?” I was astonished that this scene that once happened in what of writing essay, . Good Extended Essay. my dream may occur in reality .Excitement overwhelmed me. “Absolutely for sure .Please tell me your wishes ,” the fairy said composedly .The fairy looked so kind-hearted with white hair and an expository moustache .The smile looked extremely gentle. “Please hurry up. I have no time to wait for you,” the extended essay fairy added .There, I started my mind. “What should I ask for?” “An I-pad. Country code top-level domain , Ocean , Oceanography 1306 Words | 4 Pages. Relative Clause 1. My sister put the money in the bank…. I work a. Are The Of Writing An Expository. whom b. which c. what d. who e. where 2. A: Where . did Terry go last Sunday?

B: I don’t know ……….. a. Resume Header. where he went d. went where he b. he went where e. he where went c. went he where 3. This is the book….. I told you last week a. what b. whom c. where d. whose e. which 4. The man is an actor. Nina introduced him to me. The man……Nina introduced. Friendly People , Sibling 1525 Words | 7 Pages. About My Childhood My name is Rouda Mohammed Al-Suaidi. I started kindergarten at the age of 4 in are the steps of writing, one of the . finest schools in Abu Dhabi, which is Al-Worood Private School. I felt so scared on my first day of transport papers school and I didn’t go to school alone. My mother used to stay with me in class which made some of my classmates laugh at me. I remember they used to call me “A baby” and “Mommy’s little girl”. Steps An Expository. I used to cry a lot when they call me this.

I spent my whole childhood there from kindergarten. Basketball , Child , Cosmetics 1338 Words | 3 Pages. ? MY FUTURE IN CHILDHOOD EDUCATION 1 . Timeka Butler ECE 101 Dawn Harris March 24, 2014 MY FUTURE IN CHILDHOOD EDUCATION 2 I decided to become an early childhood teacher, because I love working with young children. Entrance. Don’t get me wrong the older children are good, but at what are the an expository essay this age some of them are grown and you can’t tell them. Education 1234 Words | 6 Pages. town has already collapsed and turned into to blame for the tragedy of romeo, a developing-city. It is so sad that I can only recall my childhood days in . my mind instead of what visiting the small town.

It was a small town with warm-hearted villagers. We were all friends and always share our foods and extended essay games. Mak Kwan had the steps most famous cooking while En. Chong could fly the kite highest. Hmm… I could still smell the curry in entrance essay, the air!

My brother and I, we used to rush to Mak Kwan’s home and asked for what of writing, curry when we smell it. Mak Kwan never. 2009 singles , Curry , Kite 923 Words | 3 Pages. My Development Into Childhood - Psy. My Development into Adulthood Ashley Fuller PSY 202 Dr. Thesis. Griffin 3-6-2013 I. What was your family like?

A. Mother – teacher, . loving, nurturing B. Father – hardworking, patient, king C. Oldest of 2 children D. Close relationship with grandparents E. Southern family F. Essay. Christian household, values, beliefs II. What things do you remember about your childhood ? A. Chores, gardening B. Bible studies C. Close interaction with extended family D. Playing. Adult , Family 2402 Words | 7 Pages. ?Anthony Leon EngWr300 Shapiro March 1, 2015 My favorite childhood place I was separated from my family at a . young age. Essay To Blame For The Tragedy And Juliet. When I was 7 my family and I moved to Vallejo because of my father’s job. I was extremely close with my cousins and family that lived in are the of writing, Soledad, a small town close to Salinas. So whenever my mom would tell me we were going to go visit my aunt may I would always be excited.

My cousins and resume header I were and what of writing still are very close even though we don’t see each other as often as I’d like. Cousin , Debut albums , Family 972 Words | 3 Pages. Stages and Struggles with My Childhood. Struggles of My Childhood The person I have become today is thin computer research due to my development of the theoretical stages. . When looking at the construction of the three theoretical perspective stages of my child hood, it is clear to see where and how I came to be the person I am today. My values, characteristics and attitude have all been molded by my micro-, meso-, and macro systems. The influences of my family and my life at home have shaped me into the person I am today. My family, consisting of my mother. Child , Childhood , Coco 1110 Words | 3 Pages. Childhood Memory Childhood is full of imagination and are the steps an expository memories. My fondest childhood memory . Intelligent Transport Papers. would have to are the essay be when I was around four years old.

At that time, I had a stuffed frog. I took it where ever I went. The stuffed frog was a gift and from the moment I received it, it became my best friend. I still remember the day I got it. It was Christmas Day, and out of all of the other gifts that I received, this one caught my eye immediately.

He was a present from my grandfather. English-language films , Memory , Red 405 Words | 3 Pages. Past childhood memories in good, India! | ???? ???? 8/7/2014 Home About me About this Blog Dharma (Religion + Universal Law) < Are . Indians in India coward and are the of writing essay foolish? Freedom Team of India Transforming India Is “????” falling apart? > Past childhood memories in India! Posted on March 17, 2011 My childhood was carefree unknown to what is happening around. The childhood in mid 70’s was full of life enjoying outdoors. No TV, Internet or video games.

In summer we used to. Andhra Pradesh , Blood , Diwali 1283 Words | 3 Pages. classmates. Essay. I’m here to talk about childhood . What is childhood ? According to what are the of writing an expository science, childhood is “the stage . before puberty” or, to be more specific, “the state of a child between infancy and adulthood.” But childhood is so much more than a concrete reality defined by literal terms. It is an abstract concept.

If, right now, I say that I have never ever ever had a Tamagotchi or played Mario Brothers – now, I know that you’re all thinking, “Wow, that girl has no childhood !” And that time when you found. Child , Concept , Easter Bunny 898 Words | 3 Pages. Deep within every person?s heart, their own childhood experience could be the most valuable memories they have. There could be just one or many . Resume Header. experiences. These experiences indicate the turning point from what are the an expository, childhood into intelligent transport papers, teenagers which make them so memorable and unforgettable. These incidents could be good or bad and could be beneficial or not, depending on which angle you are looking at what are the steps an expository them. Resume Header. I personally speaking, has had good memories and bad memories, however the bad ones has stained deep within. Bullying , English-language films , School 977 Words | 3 Pages. Creative writing, Memories of My Childhood memories of my early childhood are like scattered, partially lost pieces of of writing a huge mosaic. Proposal. I am only five, and of writing an expository essay instead of . sleeping late like other kids would do, I don't want to stay in bed, don't want to miss the to blame for the tragedy of romeo and juliet mystery, the beauty of the world's awakening. My older brother and cousins are up already and drag their bare feet on the wooden floor.

I still can vividly picture that floor- old, caved in, coated with brown paint a thousand times, the floor in my Grandma's house. The memories of my childhood. Childhood , Family , Grandparent 1102 Words | 3 Pages. Creative writing, Memories of My Childhood memories of what of writing essay my early childhood are like scattered, partially lost pieces of a huge mosaic. Good Extended. I am only five, and instead of . sleeping late like other kids would do, I don't want to stay in bed, don't want to miss the mystery, the beauty of the world's awakening.

My older brother and cousins are up already and what are the steps drag their bare feet on the wooden floor. I still can vividly picture that floor- old, caved in, coated with brown paint a thousand times, the floor in my Grandma's house. The memories of my childhood. Childhood , Family , Grandparent 1102 Words | 3 Pages. Childhood Experience: My First Drumset. interest in intelligent transport papers, toys and spent most of are the of writing an expository essay my time alone. Even at the age of 8 I was a deep thinker, always questioning why things happen the way they . do. I was constantly observing the world around me as if I was on the outside. I learned to writing college essay appreciate silence at such a young age and didn’t speak much. What Are The An Expository Essay. I only spoke when I was spoken to, and resume header even then I’d give a short response. I felt like I had so much to what are the an expository essay say but never found the right way to say it.

I never found my voice until my eighth birthday when I had received. Bass drum , Drum , Drum kit 1583 Words | 4 Pages. My Philosophy of Early Childhood Education. My philosophy of intelligent research papers Early childhood education is of writing based on research that indicates that a child’s growth is developmental. Every . child is unique in sample master thesis proposal, terms of life experiences, developmental readiness, and cultural heritage. A high quality early childhood program that provides a safe and nurturing environment, which promotes physical, social, emotional, language and what steps of writing cognitive development will ensure a positive continuation of the child’s education process In my philosophy I will talk about the goals. Early childhood education , Education , History of education 1421 Words | 3 Pages.

important because it is then less likely that the child will act out and behave negatively. They are less likely to act out and behave negatively if the . child has a positive bond with you because you will know them well enough to cater for their wants, wishes and sample master proposal individual needs, therefore they will not feel frustrated or alone and will not need to act out to relieve stress or anger or to gain attention. A positive relationship is important as it helps a child develop confidence at a quicker rate and. Child , Childhood , Economics terminology 1299 Words | 3 Pages. also respect. In terms of giving, gifts are always there like material things such as toys and clothes and also money but at my age now, I . Are The Of Writing An Expository. didn’t expecting gifts from my godparents or even family members because I’m already matured for that but still I have a Christmas wish-list for myself and research papers even for my family and for the whole world. And this is what they are: First, for my family, I’m wishing that we still complete and bonded even though there is so many problems that are trying to steps essay break us. I’m. Christ , Christianity , Christmas 955 Words | 3 Pages. ? Childhood Everybody likes to brag about their childhood . Resume Header. People enjoy boasting of how they watched the newest television shows . on their own televisions or over how many toys they had while they were young. However, not all children have this ideal picture perfect childhood , for example, Ellen in what an expository, Kaye Gibbon’s coming of age novel Ellen Foster.

On the essay who is to blame for the tragedy of romeo and juliet other hand, some people have the are the steps opportunity to have that childhood but do not enjoy it, sort of like J.D. Research. Salinger’s character Holden Caulfield in. Ellen Foster , Family , I'm Crazy 1182 Words | 4 Pages. Like Dolmens Round My Childhood and the Barn Comparative. Like Dolmens round my childhood and The Barn comparative ‘The Barn’ by Seamus Heaney and ‘Like Dolmens Round my . Childhood ’ by John Montague are two poems that explore the theme of fear in childhood . The fears of each poet are very different in that Heaney’s fear of the barn is what are the triggered by his vivid imagination whereas Montague’s fear of becoming like ‘the old people’ is a much more complex and emotional issue that relates to good extended real life experiences. The theme of fear is apparent right from the start. Alliteration , Fear , Gerontology 1085 Words | 3 Pages. My childhood The first feeling I can remember is wind rushing through my hair. I was five, riding a bicycle on . my way to the park to meet my older cousins and steps an expository essay friends so we could play baseball.

At least that is resume header what I think I was doing; it is the first thing that comes to mind whenever someone asks me what my earliest memory is. An Expository Essay. However the most vivid thing about good, that memory is the wind and the fact that I was wearing a light blue shirt, the brain is weird that way. Though whenever I think about. English-language films , Family , Fantastic Four 625 Words | 2 Pages. ?To what extend have ideas about what of writing an expository, childhood changed over the centuries? New concepts of childhood have been established to good an . Of Writing Essay. enormous extent over the centuries. Master Thesis. Over the course of the of writing an expository 18th and tragedy of romeo 19th centuries people have had different ideas of childhood and how children should be raised. On the contrary, as society has developed, perceptions about of writing essay, childhood have arisen. In modern society people have grown and paper computer have recognised new notions of childhood . What Are The Steps Of Writing An Expository Essay. Today, the media plays a large role in who is to blame for the tragedy, the way. Abortion , Adolescence , Childhood 996 Words | 4 Pages. you’re granted three wishes . Your first two wishes were used wisely, but you killed yourself using the third one.

Or, let’s . say you get three wishes , and steps you died before you could use the third one. Master Thesis Proposal. Well, in the stories, “These Three Wishes ”, and, “The Third Wish”, both of steps of writing these things happened. Sample Master Thesis. And as you can see, they have similarities and differences. One of the main differences between these two stories is how both characters died. In “Those Three Wishes ”, Melinda Alice. 2007 singles , Ageing , Death 400 Words | 3 Pages. I always wish that everything happens for good and good things happens every time. What Steps. This sentence applies to each and everyone of us one or other day or time. . Who Is. I personally have so many experiences where things might have gone wrong according to me at that particular moment. But later I have realized that is an expository essay not wrong thing, it happened for essay who is tragedy, good things to be done. Like above I believe everyone might have observed the what are the of writing an expository essay same with them, if not just sit alone for 10 to 15 minutes and start recollecting. 2003 singles , 2004 singles , Arashi 1368 Words | 4 Pages.

Reading Assignment #3: The Secret of Childhood Hailey Neises What is meant by resume header, “the spiritual embryo”? Do you think Montessori believed . that nature or environment was more important to the growth and development of an expository essay children? I think when Montessori wrote about a spiritual embryo she meant that from the early conception of a child through its growth and development; the master thesis proposal spirit self begins to open its eyes and are the an expository grow just as any cell based embryo would grow. I think Montessori saw nature. Adult , Child , Childhood 957 Words | 3 Pages. Childhood is the most innocent phase of man's life. Entrance Essay. With the passage of time, it fades into adolescence and essay adulthood. Yet the sweet memories . of childhood linger on. My childhood recollections are those of a sheltered and intelligent transport carefree life, nurtured with love and what steps of writing concern.

As I was the first child in the family, everybody doted on me. My funny lisping, my innocent mischief and thin research my inane talk-everything was a source of what are the steps immense pleasure to them. There was never a word of reproach or censure against me. Anxiety , Childhood , Childhood Memories 2409 Words | 7 Pages. visits, hands book and brochure are greatly appreciated by parents and carers. Also See 3.3. Resume Header. A partnership model looks like this 3.2. Review barriers . to participation for of writing an expository essay, carers and explain ways in which they can be overcome. As a practitioner my first duty is to the child, promoting their welfare, development and learning.

Some situations are very sensitive and need to be approached with great care. Parents can be very defensive and sometime even hostile. Arrange any discussion in a confidential. Child , Childhood , Developmental psychology 1632 Words | 6 Pages. to express themselves, the teacher should be very aware of this type of children and resume header have them patience and awareness so that this way we obtain the desired . learning slowly but fulfill. In think that Childhood Bilingualism is very beneficial for what of writing an expository, the human brain, learn languages ??since childhood is very advantageous because as we all know are learned more easily and intelligent papers if the child has the opportunity to learn a second language so very well, because unfortunately in of writing an expository, our country there are not many. Behaviorism , Language , Language acquisition 2241 Words | 7 Pages. My Speech on Childhood Obesity and Low-Income Families. My Speech Victoria Rock September 17, 2012 Childhood Obesity in Low-Income Families Hello Everyone, How you doing? . Nervous like me I bet! Tonight I want to open your eyes in to blame for the of romeo, regards to childhood obesity in are the of writing an expository, low-income families, and put an end to the myth that they eat nothing but “Junk Foods.” And I’m going to show WHY they are having a hard time fighting the battle of the bulge, because this is something I deal with on a daily basis. Just like with everyone else there are many factors.

Childhood obesity , Eating , Food 1276 Words | 4 Pages. do not obstruct the quality of resume header work. Keeping your personal views and your work separate Our own attitudes and beliefs shape us as individuals and are the steps essay make us . ‘unique’. Our own attitudes and beliefs stem from writing entrance essay, a variety of sources including our own childhood , our prior experiences and the attitudes of of writing an expository those close to us. Good Extended. Everyone is entitled to an opinion shaped by their beliefs, but it is are the important that the opinions of research papers others shaped by their beliefs are not dismissed or challenged negatively. Steps An Expository Essay. It is. Child , Childhood , Environment 1292 Words | 4 Pages. ?All the birthday wishes from friends near and far, old and new, is really one of the high points of the year for resume header, me in this Facebook world! . Thank you all so much for taking a moment to wish me well and to evoke our connection, whatever it might be. ????????????,????!????????????! Hi everyone I hope you don't mind me sending this ''Thank you'' wish even though it's a little late. As I tried to thank you individually by liking your post or replying on the actual day it didn't quite turn out right. 2005 singles , 2007 singles , Billboard Hot RB/Hip-Hop Songs number-one singles 1346 Words | 4 Pages. Memory of My Hometow by Jose Rizal.

Memories of My Town When I recall the days That saw my childhood of yore Beside the verdant shore Of a . murmuring lagoon; When I remember the what are the an expository sighs Of the breeze that on paper thin computer research, my brow Sweet and of writing an expository caressing did blow With coolness full of delight; When I look at the lily white Fills up with air violent And the stormy element On the sand doth meekly sleep; When sweet 'toxicating scent From the resume header flowers I inhale Which at the dawn they exhale When at us it begins to peep; I sadly recall your. God 668 Words | 3 Pages. aware of of writing an expository company of others; they start building on social skills, playing with other children and thin computer can also be separated from the main care giver for a short . period of are the time without feeling insecure or abandoned. (6-12 years) is an era of Later Childhood phase where the developments become more stable and extended essay child is able to are the steps an expository manage and recoil on some of the basic emotions like feeling of happiness and sadness. They can reason the intelligent right from wrong and becomes more self conscious. Are The Steps Of Writing An Expository. Transformation (12-18. Child development , Childhood , Critical period 2254 Words | 7 Pages. professionals who are trying to help their child. CYPCore36-1.3 Describe the functions of writing college external agencies with whom your work setting or service interacts . There are many external agencies available to early year’s settings. Below are some of the agencies my setting interacts with: OFSTED - Inspect provision of what are the steps of writing essay care in the setting. They ensure all of intelligent research our staff are up to date on training, we are providing a healthy and safe environment for what of writing an expository essay, children and following the EYFS. Ofsted provide support and who is of romeo and juliet advice.

Child , Childhood , Health care 1886 Words | 5 Pages. Ah childhood ! When I was a child the world seemed to of writing an expository be a place of joy and happiness to me. Writing College Essay. There was nothing worth worrying about. Whenever . What Are The Steps Of Writing An Expository Essay. I cried somebody picked me up. When I did not like to sit alone, I was always in somebody’s army.

My father was one of my heroes since young. I idolize him as I grow up and to everything like him. I often ask my father to tell me about his childhood experience and he loves telling funny stories or describing unusual situations. When he talks to me about those. Child , Childhood , Education 1003 Words | 3 Pages. for inappropriate behaviour (by observations) Following behaviour policy Following plans for individual behaviour Clear boundaries . Writing College. 4.3 reflect on own role in promoting positive behaviour in children or young people. On my own role in promoting positive behaviour in children or young people, I can encourage children to be kind and are the essay nice with other people by sample thesis proposal, maintaining a good atmosphere environment in of writing an expository, the house or in the work setting. Also, I can give confidence to the.

Child , Childhood , Developmental psychology 1323 Words | 5 Pages. My Childhood , My Future I was seven years old when I started to hear the explosions. To Blame For The Tragedy Of Romeo. Soldiers . came to each house to search for are the an expository essay, weapons. As a child living in thesis, Baghdad living through a war adversely affected me. The city was very dangerous, so my parents decided to what of writing move to another town where all my family gathered together in one big house. My family and I were very frightened by what had happened and what would happen in for the tragedy of romeo and juliet, Baghdad. After a while, when the violence subsided, we returned. 2003 invasion of are the of writing an expository essay Iraq , 2006 albums , 2008 singles 500 Words | 2 Pages.

Early childhood to Middle childhood. ?Running head: Early to Middle Childhood Page 1 Changes in Early to Middle Childhood Amy J. Wade Psych 600 September . 29, 2014 Kristen Scott-Groves Early to Middle Childhood Page 2 Introduction Children will make many changes between early and middle childhood . Some of those changes will be physical, there will be changes in the brain, nervous system, cognition, problem solving and judgment and they will have major milestones in social and emotional development. Physical. Child , Childhood , Early childhood education 1051 Words | 5 Pages. Like Dolmens Round My Childhood Analysis. Like Dolmens round my childhood analysis In this poem John Montague compares old country characters to megalithic tombs. In the . Resume Header. first stanza Montague describes the are the of writing an expository essay personality of the thin loner Jamie McCrystal, a man who sang tuneless songs to himself. Jamie was a kind man who fed the what steps of writing an expository birds and gave John a penny for sweets every week.

John Montague states the extended essay fact that his house was robbed and ransacked for money after he died at home. In the what steps essay second stanza, the poet describes an unusual old lady who. Child , Grateful Dead , History of Ireland 1044 Words | 3 Pages. How my social experiences of my childhood have effect on world view. down the good extended road to oblivion and into are the steps an expository essay, history. On my small and insignificant track of resume header life; from the time I was conjured into what steps of writing an expository, existence . through to the inevitable end where I drift off to writing entrance essay learn the higher truths of mortality, as I can only speculate at this time, I have seen and experienced many things. What Are The Essay. Not all were good however; these experiences vary through cultural lenses as I grew up overseas in Germany, Austria, and Poland, due to college essay my father’s profession as a soldier. This meant. Auschwitz , Auschwitz concentration camp , Culture 1223 Words | 7 Pages. other parents; therefore we should not leave notepads lying around for others to see. It is also important to remember that we should only discuss children’s . progress with colleagues, parents and steps an expository other professionals who may need to know.

Children’s wishes and intelligent transport research papers feelings – there may be certain times where children feel upset and/or uncomfortable and therefore may want to leave assessments until later or another day. When we are writing about children we need to what steps essay be mindful about how we write our assessments. Assessment , Childhood , Developmental psychology 1670 Words | 5 Pages. Prime Number and Memorable Childhood Experience. your life? | 9. | Where do you see yourself in five years | 10. | How to become a millionaire? | 11. | My most unforgettable moment . during my school.. | 12. | My favorite super hero in my childhood …. | 13. | Share with us your dream holiday | 14. | My biggest concern for the future is… | 15. | What characteristics make ideal hero and intelligent transport research why? | 16. | The most important lesson of my life so far… | 17. | If I ruled the world…. | 18. What Steps Of Writing Essay. | Intelligence is not enough | 19. Essay. | Who has been the. English-language films , Prime number , The 100 771 Words | 3 Pages.

and crime was a constant concern for us. It worried my parents to of writing an expository see that I was losing interest in thesis proposal, school, so they moved me to of writing essay Chino Hills . after I finished 7th grade to live with my sisters, hoping that the environment would be a better place for who is for the of romeo and juliet, me. The different atmosphere I was in changed my perspective on education. The students in Chino Hills are very competitive in their academic pursuits which motivated me to what are the steps of writing an expository try harder and work up to my potential. Good Extended Essay. The realization that a different environment. Education , High school , Management 439 Words | 2 Pages. My fondness for computer was initially sparked by my first exposure to it by my father when I was just 3 years . old. The mystery and what are the of writing essay delicacy of this gadget absorbed the writing college essay attention of young me and gradually shaped my academic enthusiasm.

Meanwhile this keenness paved the way for my massive attachments to the investigation of applying the computer technology to steps of writing an expository essay the modern world. Master Thesis. Consequently, I have decided to study Computer Science as my undergraduate course and to steps of writing essay work as a software engineer in. Algorithm , Computer , Computer program 582 Words | 2 Pages. Childhood Observation Christy Psychology 2103-Human Development Abstract The development of children varies from individual to intelligent transport papers . individual, depending on their distinctive nature, learning style, culture environment, and family upbringing. There are also significant variances in the development with each individual’s genetic heritage and an expository socioeconomic status.

Observing a child is a great way to learn more about the development, cognitive, and social skills they may have. A pretentious difference. Bankruptcy in the United States , Childhood , Developmental psychology 2073 Words | 6 Pages. Cather’s MY ANTONIA Optima dies . prima fugit. My Antonia, by Willa Cather, is intelligent research papers a modernist novel that recounts and . celebrates the past through the relationship of man and the natural world. Cather incorporates an epigraph at the start of the are the steps of writing novel from Virgil’s Georgics that means “The best days…are the resume header first to what steps an expository flee,” which is good extended integrated by many elements throughout the story as it is the epicenter in which the themes of the novel revolve.

For those who aren’t familiar Georgics consists of. Aristaeus , Georgics , Life 1399 Words | 4 Pages. Childhood Obesity: A Bibliographic Essay Childhood obesity is an are the of writing essay, epidemic that is affecting the extended essay lives our youth. It has drawn . What Steps Of Writing. national attention by many. Even first lady Michelle Obama has started a campaign aimed to transport research papers address this problem. According to are the the article Michelle on a Mission, “the initiative is entrance about families making manageable changes that fit with their schedules, budgets, need, and are the steps of writing essay tastes” (2010). Sample Master Thesis. There are two main reasons for steps of writing, my interest in the topic of childhood obesity. First. Bariatrics , Body shape , Childhood obesity 2241 Words | 7 Pages. COM1010 P05 Instructor Suzan November 24, 2012 Topic: Childhood Obesity General Purpose: To inform Specific Purpose: To inform . Extended. my audience about childhood obesity.

Thesis: Showing statistics of childhood obesity, the what essay effects of it, and the steps that parents could take to reduce their kid(s) chances of becoming obese. Delivery Plan: When giving my delivery plan, I plan on master thesis proposal, speaking from my heart, maintain eye contact with my audience while speaking in a serious tone voice since this. Bariatrics , Body mass index , Body shape 1170 Words | 4 Pages. During our childhood , there are many events that are memorable and influential; Memories are a part of life. Of Writing An Expository Essay. We use our memory function to intelligent papers . recall the memories we once had. Memory is a vital part of the learning process. Without it, learning would be impossible. If our brain recorded nothing from the past, we would be unable to learn anything new. All our experiences would be lost as soon as they ended, and each new situation would be totally unfamiliar. If memories hindered or helped people in their.

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poem=24#ixzz1nD6ht3OM from www.PoetryInNature.com Garden Poem A search for purpose and peace in life, through the what are the steps of writing essay inner beauty of who is to blame and juliet G-d's nature. . Special Place © Colin F. Steps Of Writing. Gload Light reflecting, in my eye, Cloudless blue of master thesis august sky, Shadows lurk in nature's womb, I'll take this place to essay my tomb. Morning wakening, air crisp, A welcoming breeze, nature's breath, An inward battle, self a test. Tragedy. Tranquil freedom, warming calm, A creative spec, of gods own palm, Gone untouched. Flower , Ice cream , Odor 821 Words | 6 Pages. Preparation Outline: Vitalba Evola Topic: Childhood Obesity General Purpose: To inform Specific Purpose: To inform my . audience of two prevalent causes of childhood obesity.

Thesis Statement: While there are many causes of childhood obesity, most are, in fact, preventable. Introduction I. Attention Getting Device: Our society has become a classic case of “Battle of the Bulge,” as our society now has an alarming number of obese individuals. But this isn’t from are the of writing an expository, World War II; it. Body shape , Childhood , Childhood obesity 1326 Words | 5 Pages. ? Easy as 1,2,3.

1. Read a few of our sample essays on your topic 2. Develop your own ideas 3. Your paper will practically write itself Essay on A . Childhood Memories I forced the door open and was blinded by sunlight and choked from transport research, all of the dust that had settled in the room. As I entered, the are the steps essay wooden floors slightly give way. Sample. Rusty nails poked out of the floorboards and are the of writing an expository old water stains have made designs on essay, the walls. Woods were really rusty and at any given day this house would collapse. Claustrophobia , Fear 1742 Words | 4 Pages. Childhood Obesity Sherilee Oakes . Eng.

122 Professor Stanton November 15, 2012 I chose the topic Childhood Obesity, because it has become a national epedmic.. . Diabetes mellitus , Hypertension , Medicine 428 Words | 4 Pages. Childhood Obesity Chimere Vicks ENG 122 Craig Smith January 01, 2013 Childhood Obesity The children of our future are . facing a many challenges throughout their childhood , Childhood obesity is one of the what steps of writing essay challenges that has caught my interest. Children of research papers different ages are facing this problem. Question is, what are we doing, as parents, to help prevent this problem? Children cannot buy their own food nor do they do not know how important it is to what of writing essay stay active. Parents have a responsibility. Childhood obesity , Diabetes mellitus , Hypertension 1583 Words | 5 Pages. | Childhood Inoculations| Is it a decision for government or parents?| | Linda Trostle| 602.4.17-10| | There is much debate . Master. regarding the steps of writing essay necessity and safety of childhood vaccinations. The Centers for Disease Control and Prevention (CDC) recommends a series of vaccinations that include 26 doses of various vaccinations before age 6. Each state regulates and writing entrance enforces the requirements for childhood vaccinations in the United State. Some parents believe that vaccinations can be harmful. Edward Jenner , Immune system , Infectious disease 983 Words | 4 Pages.

RUNNING HEAD: CHILDHOOD OBESITY Childhood Obesity in steps of writing, America Childhood Obesity in America . Childhood obesity is a very serious problem in America that seems to be going unaddressed. According to the Center for Disease Control and Prevention (CDC), more than one third of children in America are obese. As parents we are obligated to ensure our children stay active and eat a healthy diet. I have a long history of diabetes in writing entrance, my family and I am committed to ending it with my children. Body mass index , Body shape , Childhood obesity 1074 Words | 3 Pages.

Preventing Childhood Obesity as a Parent George Yang Ashford University English 122: English Composition II Professor Janelle Jalbert . What Steps Of Writing Essay. 01/10/2011 In today's society, childhood obesity is considered a serious public health issue and good essay can be classified as an epidemic. In the United States alone, one in seven children ages 6-17 are considered to what are the steps of writing an expository be obese. In the last 40 years in the United States the rate of childhood obesity has tripled. The main reason why childhood obesity has become such. Childhood , Childhood obesity , Diabetes mellitus 2257 Words | 7 Pages. Difficult Childhood After reading “The Sanctuary of School” by Linda Barry I figured out that we share some similar life experiences. Our . similar experiences include growing up in writing essay, poor families, crowded households, and positive educators that shaped our lives. At the same time, there are many differences in our background. She grew up in an urban place, and I grew up in what are the steps of writing, a rural area.

Linda’s childhood was very unhappy while mine was happy. She was neglected and thesis I was well taken care of as a child. City , Difference , Education 902 Words | 3 Pages.

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43 Resume Tips That Will Help You Get Hired. When you haven’t updated your resume in are the of writing an expository essay a while, it can be hard to know where to resume header, start. What experiences and accomplishments should you include for what are the steps an expository essay, the jobs you’ve got your eye on? What new resume rules and trends should you be following? And seriously, one page or two? Well, search no more: We’ve compiled all the resume advice you need into extended, one place. Read on for tips and tricks that’ll make sure you craft a winning resume—and help you land a job. Your resume should not have every work experience you’ve ever had listed on it. Think of your resume not as a comprehensive list of your career history, but as a marketing document selling you as the of writing essay, perfect person for the job. Transport Research Papers! For each resume you send out, you’ll want to highlight only the accomplishments and skills that are most relevant to the job at hand (even if that means you don’t include all of what steps an expository your experience).

Job search expert Lily Zhang explains more about what it means to tailor your resume here . 2. But Keep a Master List of All Jobs. Since you’ll want to be swapping different information in and out depending on the job you’re applying to, keep a resume master list on your computer where you keep any information you’ve ever included on a resume: old positions, bullet points tailored for different applications, special projects that only sometimes make sense to include. Then, when you’re crafting each resume, it’s just a matter of cutting and pasting relevant information together. Think of this as your brag file . Good Extended Essay! 3. Of Writing An Expository! Put the writing, Best Stuff “Above the Fold” In marketing speak, “above the what are the steps of writing an expository essay, fold” refers to essay who is to blame for the tragedy of romeo, what you see on the front half of a folded newspaper (or, in the digital age, before you scroll down on steps of writing an expository essay, a website), but basically it’s your first impression of resume header a document. In resume speak, it means you should make sure your best experiences and accomplishments are visible on the top third of your resume. This top section is what the hiring manager is what of writing essay, going to see first—and what will serve as a hook for someone to keep on to blame for the of romeo and juliet, reading.

So focus on putting your best, most relevant experiences first—and then check out what are the steps essay these five other marketing tricks to get your resume noticed . According to Zhang , the thesis, only occasion when an objective section makes sense is when you’re making a huge career change and of writing an expository essay need to extended, explain from the get-go why your experience doesn’t match up with the are the an expository essay, position you’re applying to. In every other case? Consider whether a summary statement would be right for you —or just nix it altogether to save space and extended essay focus on making the rest of your resume stellar. What Steps An Expository! There are lots of different ways to thin computer research, organize the information on what steps, your resume, but the good old reverse chronological (where your most recent experience is listed first) is still your best bet. Unless it’s absolutely necessary in your situation, skip the skills-based resume—hiring managers might wonder what you’re hiding. The two- (or more!) page resume is essay for the of romeo and juliet, a hotly debated topic , but the bottom line is this—you want the information here to be concise, and making yourself keep it to one page is a good way to force yourself to do this. If you truly have enough relevant and important experience, training, and what are the essay credentials to showcase on research papers, more than one page of your resume, then go for it. But if you can tell the same story in less space? Do. Of Writing An Expository! If you’re struggling, check out these tips for cutting your content down , or work with a designer to essay who is for the tragedy of romeo and juliet, see how you can organize your resume to fit more in what steps of writing essay less space.

Can’t figure out how to tell your whole story on one page, or want to be able to proposal, include some visual examples of your work? Instead of trying to have your resume cover everything, cover the most important details on that document, and then include a link to your personal website , where you can dive more into what makes you the ideal candidate. We’ll talk about what are the steps, getting creative in order to stand out in intelligent transport papers a minute. But the most basic principle of good resume formatting and design? Keep it simple. Use a basic but modern font, like Helvetica, Arial, or Century Gothic. Make your resume easy on hiring managers’ eyes by using a font size between 10 and 12 and leaving a healthy amount of are the an expository white space on the page. Master Thesis Proposal! You can use a different font or typeface for your name, your resume headers, and the companies for what an expository, which you’ve worked, but keep it simple and intelligent transport keep it consistent. Your main focus here should be on readability for the hiring manager. Are The Steps! That being said, you should feel free to… Really want your resume stand out from the sea of Times New Roman?

Yes, creative resumes—like infographics, videos, or presentations—or resumes with icons or graphics can set you apart, but you should use them thoughtfully. If you’re applying through an ATS, keep to the standard formatting without any bells and whistles so the computer can read it effectively. If you’re applying to a more traditional company, don’t get too crazy, but feel free to add some tasteful design elements or a little color to make it pop. No matter what, don’t do it unless you’re willing to put in proposal the time, creativity, and what are the steps of writing essay design work to paper computer, make it awesome. 10. Make Your Contact Info Prominent. You don’t need to include your address on your resume anymore (really!), but you do need to of writing, make sure to include a phone number and professional email address (not your work address!) as well as other places the hiring manager can find you on extended essay, the web, like your LinkedIn profile and Twitter handle. (Implicit in this is that you keep these social media profiles suitable for prospective employers.) You’ve heard before that hiring managers don’t spend a lot of time on each individual resume.

So help them get as much information as possible, in as little time as possible. These 12 small formatting changes will make a huge difference. Know that design skills aren’t your strong suit but want your resume to look stunning? There’s no shame in getting help, so consider working with a professional resume designer. This is arguably the most important document of your job search, so it’s worth getting it exactly right! 13.

Keep it Recent, Keep it Relevant. As a rule, you should only show the most recent 10-15 years of your career history and what are the steps of writing essay only include the experience relevant to the positions to good extended essay, which you are applying. What Steps Of Writing Essay! And remember to allocate real estate on your resume according to importance. If there’s a choice between including one more college internship or going into good extended, more detail about your current role, always choose the latter (unless a previous job was more relevant to the one you’re applying to). 14. No Relevant Experience? No Worries! Don’t panic if you don’t have any experience that fits the what are the steps, bill. Instead, Zhang explains , focus your resume on your relevant and who is transferrable skills along with any related side or academic projects, and then make sure to what are the steps essay, pair it with a strong cover letter telling the narrative of why you’re ideal for the job. Essay Tragedy! No matter how long you’ve been in a job, or how much you’ve accomplished there, you shouldn’t have more than five or six bullets in a given section.

No matter how good your bullets are, the recruiter just isn’t going to get through them. What An Expository! Check out for the of romeo these tips for writing impressive bullet points . What Are The Of Writing An Expository! You may be tempted to throw in tons of industry jargon so you sound like you know what you’re talking about, but ultimately you want your resume to be understandable to the average person. Remember that the first person who sees your resume might be a recruiter, an intelligent transport assistant, or even a high-level executive—and you want to be sure that it is readable, relevant, and what steps of writing interesting to all of them. Entrance! Use as many facts, figures, and numbers as you can in your bullet points. How many people were impacted by your work? By what percentage did you exceed your goals? By quantifying your accomplishments, you really allow the what are the of writing essay, hiring manager to picture the level of work or responsibility you needed to achieve them. Even if you don’t actually work with numbers, here are some secrets to adding more to your resume . People hire performers, so you want to show that you didn’t just do stuff, but that you got stuff done! As you look at your bullet points, think about resume header, how you can take each statement one step further and steps of writing an expository add in what the benefit was to your boss or your company. By doing this, you clearly communicate not only intelligent transport research papers what you’re capable of, but also the what are the an expository essay, direct benefit the employer will receive by hiring you. Sample Master Proposal! If you’re not sure how to explain your impact, check out these tips for of writing an expository, turning your duties into accomplishments . Describing soft skills on a resume often starts to sound like a list of meaningless buzzwords, fast.

But being a “strong leader” or an “effective communicator” are important characteristics you want to get across. Think about how you can demonstrate these attributes in your bullet points without actually saying them. Zhang demonstrates here how you can show five different qualities with the same bullet point—try it yourself until you get the essay to blame for the tragedy, result you’re going for! 20. Don’t Neglect Non-Traditional Work. There’s no law that says you can only put full-time or paid work on your resume. So, if you’ve participated in a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged? Absolutely list these things as their own “jobs” within your career chronology. If every bullet in your resume starts with “Responsible for,” readers will get bored very quickly.

Use our handy list of better verbs to mix it up ! Use keywords in your resume: Scan the job description, see what words are used most often, and make sure you’ve included them in what an expository your bullet points. Not only is this a self-check that you’re targeting your resume to the job, it’ll make sure you get noticed in extended applicant tracking systems. What Steps Of Writing An Expository Essay! Stuck on which words to include? Dump the job description into a tool like TagCrowd , which will analyze and spit out the most used keywords. What words shouldn’t you include? Detail-oriented, team player, and hard worker—among other vague terms that recruiters say are chronically overused . We bet there’s a better way to describe how awesome you are. 24. Experience First, Education Second. Unless you’re a recent graduate, put your education after your experience. College! Chances are, your last couple of jobs are more important and of writing essay relevant to you getting the job than where you went to resume header, college.

25. Also Keep it Reverse Chronological. Usually, you should lay down your educational background by listing the most recent or advanced degree first, working in reverse chronological order. But if older coursework is more specific to the job, list that first to grab the reviewer’s attention. Don’t list your graduation dates. The reviewer cares more about whether or not you have the degree than when you earned it. If you graduated from college with high honors, absolutely make note of it. While you don’t need to list your GPA, don’t be afraid to showcase that summa cum laude status or the fact that you were in the honors college at your university. What Are The Steps Of Writing An Expository! 28. Include Continuing or Online Education.

Don’t be afraid to include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light. Kelli Orrela explains , “Online courses are a more-than-accepted norm nowadays, and your participation in essay who is tragedy them can actually show your determination and motivation to get the skills you need for your career.” Be sure to add a section that lists out all the relevant skills you have for a position, including tech skills like HTML and Adobe Creative Suite and any industry-related certifications. What Steps An Expository Essay! Just make sure to skip including skills that everyone is expected to have, like using email or Microsoft Word. Doing so will actually make you seem less technologically savvy. If you have lots of skills related to a position—say, foreign language, software, and leadership skills—try breaking out intelligent research one of those sections and listing it on its own. Below your “Skills” section, add another section titled “Language Skills” or “Software Skills,” and detail your experience there. Again—we’re going for skimmability here, folks! Feel free to of writing an expository essay, include an “Interests” section on your resume, but only essay add those that are relevant to what are the an expository essay, the job. Resume Header! Are you a guitar player with your eye on a music company?

Definitely include it. But including your scrapbooking hobby for a tech job at a healthcare company? Don’t even think about it. What Essay! 32. Good Essay! Beware of Interests That Could Be Controversial. What Essay! Maybe you help raise money for your church on the reg. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of work ethic—but they could also be discriminated against by resume header someone who disagrees with the cause. Zhang explains here how to weigh the decision of whether to include them or not.

Do include awards and are the an expository accolades you’ve received, even if they’re company-specific awards. Resume Header! Just state what you earned them for, e.g., “Earned Gold Award for having the company’s top sales record four quarters in a row.” What about are the of writing, personal achievements—like running a marathon—that aren’t totally relevant but show you’re a driven, hard worker? Zhang shares the proper ways to college entrance, include them. Gaps and Other Sticky Resume Situations. If you stayed at a (non-temporary) job for only a matter of months, consider eliminating it from your resume. Are The An Expository! According to The New York Times ’ career coach , leaving a particularly short-lived job or two off your work history shouldn’t hurt, as long as you’re honest about your experience if asked in an interview. If you have gaps of a few months in your work history, don’t list the usual start and end dates for thin computer, each position. Steps Of Writing An Expository! Use years only (2010-2012), or just the number of years or months you worked at intelligent papers, your earlier positions. If you’ve job-hopped frequently, include a reason for leaving next to each position, with a succinct explanation like “company closed,” “layoff due to an expository essay, downsizing,” or “relocated to writing, new city.” By addressing the gaps, you’ll proactively illustrate the are the steps of writing, reason for your sporadic job movement and make it less of an issue. Re-entering the workforce after a long hiatus?

This is the perfect opportunity for a summary statement at the top, outlining your best skills and accomplishments. Then, get into your career chronology, without hesitating to include part-time or volunteer work. Essay To Blame! See more tips from Jenny Foss for are the steps an expository, killing it on your comeback resume. Don’t try to creatively fill in gaps on your resume. For example, if you took time out of the of romeo, workforce to raise kids, don’t list your parenting experience on what are the steps an expository essay, your resume, a la “adeptly managed the growing pile of laundry” (we’ve seen it). While parenting is as demanding and intense a job as any out there, most corporate decision makers aren’t going to take this section of your resume seriously. 39. Ditch “References Available Upon Request” If a hiring manager is interested in you, he or she will ask you for references—and will assume that you have them.

There’s no need to essay, address the what are the essay, obvious (and doing so might even make you look a little presumptuous!). It should go without saying, but make sure your resume is free and clear of typos. And don’t rely on writing college, spell check and grammar check alone—ask family or friends to take a look at it for are the an expository essay, you (or get some tips from an editor on how to perfect your own work ). If emailing your resume, make sure to always send a PDF rather than a .doc. That way all of your careful formatting won’t accidentally get messed up when the hiring manager opens it on his or her computer. To make sure it won’t look wonky when you send it off, Google’s head of HR Laszlo Bock suggests, “Look at it in both Google Docs and Word, and then attach it to good extended essay, an email and open it as a preview.” Ready to save your resume and send it off? Save it as “Jane Smith Resume” instead of “Resume.” It’s one less step the hiring manager has to take. Carve out are the essay some time every quarter or so to pull up your resume and make some updates.

Have you taken on writing entrance essay, new responsibilities? Learned new skills? Add them in. When your resume is what steps, updated on a regular basis, you’re ready to pounce when opportunity presents itself. And, even if you’re not job searching, there are plenty of good reasons to keep this document in tip-top shape.

Photo courtesy of Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is paper research, passionate about are the essay, elevating the standard of writing on thesis proposal, the web. Steps Of Writing Essay! Erin previously helped build The Muse’s beloved daily publication and led the company’s branded content team. Resume Header! If you’re an individual or company looking for of writing an expository, help making your content better—or you just want to go out to tea—get in resume header touch at eringreenawald.com. Hmmm, seems you#39;ve already signed up for this class. While you#39;re here, you may as well check out all the amazing companies that are hiring like crazy right now.

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CO-OP health plans: patients’ interests first. By Louise Norris healthinsurance.org contributor August 27, 2017. It’s been a rough few years for what are the steps of writing, the ACA’s Consumer Operated and Oriented Plans. Resume Header. There were 23 CO-OPs when the first open enrollment period got underway in the fall of 2013, but by the beginning of 2016, only 11 of them were still operational. By July 2016, four additional CO-OPs – in Ohio, Connecticut, Oregon, and Illinois – had failed. And in September, Health Republic Insurance of what of writing an expository New Jersey stopped offering new plans and announced that their existing plans would terminate at the end of 2016 (unlike the good essay other CO-OPs that have failed, state regulators in New Jersey were initially saying that it might be possible for Health Republic to be rehabilitated enough to return to the market in 2018, but that ultimately was not the what steps essay case, and an order of essay for the of romeo liquidation was filed in February 2017). In December 2016, more than a month after open enrollment began for 2017 coverage, Maryland regulators announced that Evergreen Health CO-OP would not renew or issue individual market plans for 2017, leaving just five CO-OPs offering coverage in 2017 (Maryland regulators made an administrative order in July 2017 that is expected to lead to receivership for Evergreen Health). In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of 2017.

Their intent at that point was to reopen in 2018 as Minuteman Insurance Company (and to have plans available for sale during open enrollment in the fall of what steps an expository essay 2017 under that name), which was to resume header, have been a for-profit insurer rather than a CO-OP. But by mid-August, they had failed to raise enough capital by the deadline to secure a license to sell coverage for 2018, and what are the steps of writing an expository would not be able to essay to blame for the tragedy of romeo and juliet, re-open as Minuteman Insurance Company in 2018. An Expository. Minuteman Health has been placed in receivership by college entrance essay the Massachusetts Division of are the steps of writing Insurance, and their plans will terminate at the end of 2017. After all the closures, there are just four CO-OPs slated to offer coverage in 2018, in five states: Maine, Montana, Idaho, New Mexico, and Wisconsin. The CO-OP failures have been due in large part to a combination of premiums that were too low, benefits that were too generous, enrollees who were sicker than anticipated, competition from bigger carriers with larger reserves, the risk corridor shortfall that was announced in the fall of 2015, and the risk adjustment payment announcements that were made in June 2016 (see below for a timeline of the closures). The Trump Administration’s approach to health care reform, and GOP lawmakers’ efforts to proposal, repeal and steps replace the ACA (via bills written in secret that bypass the normal bipartisan committee process), have further increased the uncertainty that insurers are facing, making the situation even more precarious for small insurers like the remaining CO-OPs. 2018: 4 CO-OPs selling plans in 5 states.

There are four CO-OPs that are expected to offer plans in five states in 2018. Extended Essay. Although the what essay vast majority of the original CO-OPs have failed, these four are showing signs of overall stability. It’s important to note, however, that if the Trump Administration continues to cause uncertainty and instability in the insurance markets (including Trump’s recent threats to cut off federal funding for cost-sharing reductions), the remaining CO-OPs will be among the most vulnerable. Community Health Options (CHO) This was originally called Maine Community Health Options, but the name was changed to reflect the carrier’s expansion outside of Maine. 44,000 people enrolled in coverage through the exchange in 2014, and 83 percent of them selected Community Health Options, making the CO-OP’s first year an amazing success. CHO expanded into New Hampshire for 2015, fueled by papers their initial success in 2014 and by a new loan from CMS. During the of writing essay second open enrollment period, CHO once again dominated the Maine market, securing about 80 percent of the exchange market share. They also enrolled about 5,000 people in New Hampshire. Resume Header. However, CHO reported significant losses in the third quarter of 2015, and decided to limit enrollment in individual plans for 2016. Enrollment directly through Community Health Options ceased December 15, 2015; enrollment in Community Health Options plans through Healthcare.gov ceased December 26. CHO ended 2015 with $74 million in losses – a far cry from the profitable year they had in 2014.

In early 2016, Maine’s Insurance Superintendent proposed putting the CO-OP in receivership and what of writing canceling a portion of its plans (about 20,000 members would have been transitioned to other coverage). But CMS didn’t allow that, saying that the plan cancellations would run afoul of the ACA’s guaranteed-renewable provision. Extended. The CO-OP is under increased oversight from the Maine Bureau of Insurance, which puts out are the steps of writing an expository monthly reports that detail how the good extended essay CO-OP is what are the steps of writing faring relative to its business plan. According to the July 2017 report from the Bureau of Insurance, CHO’s net income in May 2017 was considerably lower than projected, but year-to-date claims were running just about as-projected. CHO is the only remaining CO-OP that received money—as opposed to having to pay out money—under the intelligent risk adjustment program for 2015 and again for 2016. For 2017, Community Health Options had an are the an expository essay average rate increase of 25.5 percent in Maine, where bulk of their members live. They exited New Hampshire entirely at good extended the end of 2016, and what are the of writing an expository reverted to operating solely in Maine, as they did in 2014. They have proposed roughly a 20 percent average rate increase for 2018 in the individual market, where they have about three-quarters of their membership. Their total membership was 67,539 at the end of 2016, and had dropped to 44,015 by the first quarter of 2017 (all in extended, Maine, since they’re no longer offering plans in New Hampshire). Mountain Health Cooperative Montana Health CO-OP started in Montana, and expanded to Idaho in 2015.

The CO-OP seems to are the steps essay, be on relatively solid financial ground. CEO Jerry Dworak noted that the CO-OP didn’t expand too quickly, and maintained substantial reserves; they were not relying as heavily as other CO-OPs on risk corridor payments to extended, shore up their financial position. Average rates for Mountain Health CO-OP in Idaho increased by are the steps essay 26 percent for 2016. For 2017, Mountain Health CO-OP’s average rate increase is 29 percent in Idaho, and 31 percent in Montana. As of December 22, 2016, the CO-OP ceased enrollments in paper research, Montana due to the “large number of new members for 2017.” The enrollment freeze was lifted in July 2017 for are the steps of writing essay, off-exchange enrollments; on-exchange enrollments in Montana were expected to become available in the summer of paper research 2017 as well. In both cases, this was ahead of schedule, as the of writing an expository CO-OP had originally expected the essay lift the enrollment freeze as of November 1, at the start of open enrollment. In another indication of the CO-OP’s increasing viability, their average proposed rate increase for 2018 is only 4 percent in steps of writing, Montana. This demonstrates that the 31 percent average rate increase for 2017 may have been enough to stabilize the CO-OP and “right-size” the premiums. New Mexico Health Connections The CO-OP had net earnings of essay to blame and juliet $420,000 in the first quarter of 2016, as opposed to of writing an expository, a loss of $2.3 million in computer, the first quarter of 2015. By the end of the 2016 open enrollment period, New Mexico Health Connections had more than 50,000 members, and the CO-OP had added several big-name employers, including Goodwill Industries of New Mexico, Youth Development Inc., and Heritage Hotels Resorts.

NM Health Connections has said that they weren’t counting on significant payments from the risk corridor program in 2015, so the shortage didn’t hurt them as much as it hurt other carriers. New Mexico Health Connections dropped their PPO plans for 2016 in order to focus on plan designs that allow them to better control costs. Several big-name carriers around the country took a similar approach in 2016, and PPOs are less common than they once were in what of writing an expository, the individual market. For 2017, New Mexico Health Connections had an resume header average rate increase of of writing 33 percent, before any exchange subsidies are applied. They have filed an average rate increase of 30.1 percent for 2018 (much lower than the 84 percent average rate increase they initially filed; the college lower rate filing came about once it became clear that other insurers would not be exiting New Mexico’s market and the CO-OP did not have to insulate themselves against steps essay a flood of new enrollees). But their average rate increase could be even lower still, and the CEO noted in July that the CO-OP’s proposed rate increases were in the 20 to 25 percent range.

Common Ground Healthcare Cooperative – The CO-OP offers coverage in 19 eastern Wisconsin counties. The approved weighted average rate increase for Common Ground for 2016 was 18 percent. The CO-OP had 23,629 enrollees in Wisconsin in to blame for the tragedy and juliet, 2015. For 2017, the CO-OP had an average rate increase of 12.6 percent. And after losing money from 2014 through 2017, Common Ground Healthcare posted a positive net income of $2.7 million in the first quarter of 2017. 2015 risk adjustment: 9 of 10 CO-OPs owed payments.

Under the ACA’s risk adjustment program, health insurers with lower-risk enrollees end up paying money to steps of writing essay, health insurers with higher-risk enrollees. The idea is to prevent insurers from designing plans that appeal only to healthy enrollees, and to ensure that premiums reflect benefit levels, rather than the intelligent transport overall health of of writing an expository a plan’s enrollees. On June 30, 2016, HHS released data on risk adjustment numbers for 2015. Extended Essay. Of the 10 CO-OPs that were still operational at that point, nine had to pay into the risk adjustment program for 2015; only what are the steps of writing an expository one remaining CO-OP – Community Health Options in Maine and New Hampshire – received a risk adjustment payment. Community Health Options received about $710,000 in risk adjustment funds. Some of the remaining CO-OPs had begun to be profitable in early 2016 (details below), but all of the CO-OPs’ financial situations now have to be considered in conjunction with the fact that the CO-OPs will have to pay out the following amounts in entrance essay, risk adjustment payments, making their financial futures even more uncertain (of the what are the of writing nine CO-OPs that owed money in 2016 for resume header, the risk adjustment program, six have closed or are facing impending closure; only the CO-OPs listed in bold continue to are the of writing an expository essay, be fully operational) Mountain Health CO-OP/Montana Health CO-OP (Idaho and Montana): $481,000 Oregon Health CO-OP (Community Care of Oregon): $914,000 ( closed; plans ended July 31, 2016 ) Common Ground CO-OP (Wisconsin): $1.9 million Minuteman (operates in Massachusetts and writing entrance essay New Hampshire, but risk adjustment outlay was for NH; MA operates its own risk adjustment program): $11 million (Minuteman has filed a lawsuit against CMS in an effort to “invalidate the illegal Risk Adjustment methodology and institute necessary changes immediately.” Minuteman Health is in receivership, and will stop offering coverage at are the steps of writing essay the end of 2017 ) New Mexico Health Connections : $14.6 million. NM Health Connections filed a lawsuit against HHS in August 2016 over the risk adjustment program, requesting that the research program be halted until improvements could be made. Essay. Healthy CT: $13.4 million ( closed; plans ended December 31, 2017 ) Evergreen Health CO-OP (Maryland): $24.2 million (Evergreen filed a lawsuit to block the essay who is to blame for the tragedy of romeo collection of the risk adjustment payments; a district judge denied the what are the steps CO-OP’s request on July 21, and the CO-OP immediately appealed the thin computer decision; Between $2 million and are the steps of writing an expository $3 million of the risk adjustment payment was to be withheld by papers CMS in what steps of writing essay, mid-July from good funds owed to the CO-OP for premium subsidies and cost-sharing reductions, and the remainder of the payment had to be remitted by are the of writing Evergreen by August 15). Transport Research. Evergreen notes that they would have profited between $2 million and $3 million in 2016 if it weren’t for the $24 million they had to pay into the risk adjustment program. Are The. As a result of the losses, they began the process of being acquired by private investors and converting to a for-profit entity (this process ultimately didn’t happen fast enough for Evergreen to writing entrance, be able to sell or renew individual plans for 2017; in July 2017 the investors terminated the acquisition, and Maryland regulators began the process that’s expected to lead to receivership for Evergreen Health ). Land of Lincoln (Illinois): $31.8 million (the state ordered Land of Lincoln to are the steps, withhold payment until if and when the CO-OP receives the money they were supposed to get in 2015 for the 2014 risk corridors program.

That tactic didn’t work however, and on July 12, Illinois regulators began the resume header process of closing Land of Lincoln Health, and the CO-OP was placed in liquidation as of October 1, 2016 ). Freelancer’s CO-OP (Health Republic Insurance of New Jersey): $46.3 million ( in September 2016, regulators placed Health Republic in steps of writing an expository, rehabilitation, and the CO-OP stopped selling new plans ; the risk adjustment payment — which was much more than they had previously been advised it would be — was cited as a primary reason for the CO-OP’s financial instability). HHS has proposed changes to the risk adjustment program for thesis, 2018, to steps of writing an expository, make it more equitable and less burdensome for new, smaller carriers. They’ve also indicated that states can make regulatory changes before 2018 to ensure a more functional risk adjustment program. 2016 risk adjustment: 4 out of 5 remaining CO-OPs once again owe money. On June 30, 2017, HHS published the risk adjustment report for 2016. Maine Community Health Options was once again the only remaining CO-OP that will receive funding under the risk adjustment program; they’ll get $9.1 million. The report also details the amount that insurers owe or will receive for 2016 under the ACA’s temporary reinsurance program (2016 was the last year for the reinsurance program). All five of the remaining CO-OPs will receive money from the 2016 reinsurance program, but in most cases, it’s not as much as they’ll have to pay out under the risk adjustment program. Maine Community Health Options — the only remaining CO-OP receiving funding under the resume header risk adjustment program — will also receive $21 million under the 2016 reinsurance program, which is essay far more than any of the paper thin computer other CO-OPs will receive. Common Ground CO-OP has to pay $3.7 million in what steps of writing, risk adjustment (but will receive $10.5 million in reinsurance) Mountain Health CO-OP/Montana Health CO-OP has to pay $8.3 million in risk adjustment (but will receive $2.9 million in reinsurance) New Mexico Health Connections has to pay $8.9 million in risk adjustment (but will receive $3 million in reinsurance) NM Health Connections sued the federal government in 2016 over the risk adjustment program, but so far, the system is still set up in a way that ultimately ends up taking money from smaller, newer insurers and giving it to larger, more established insurers. Minuteman, which is closing at the end of 2017, has to pay $25.4 million in intelligent transport research, risk adjustment for 2016 (but will receive $3 million in reinsurance).

Notably, they owed far more in what are the of writing, 2016 risk adjustment than any of the other remaining CO-OPs. They explained in June, in conjunction with their announcement that they would no longer be a CO-OP after 2017 (at that point, they hoped to re-open as a for-profit insurer, but that plan was scrapped when they were unable to raise enough capital to papers, secure a license for 2018), that the amount they had been forced to pay into are the an expository the risk adjustment program amounted to about a third of the premiums they had collected. In May 2016, after extensive input from stakeholders, HHS issued new regulations in an effort to essay who is to blame tragedy of romeo, help the are the steps of writing an expository remaining CO-OPs become financially viable. Due to the urgency of the situation, the regulations took effect almost immediately, on May 11. Sample. The new regulations make a variety of changes that make it easier for are the of writing an expository essay, CO-OPs to college, seek outside investments and expand their coverage offerings beyond the individual and small group markets: In the past, there were relatively strict rules governing the make-up of CO-OP boards. CO-OP board members could not be representatives or employees of are the an expository any federal, state, or local government entity, and master thesis proposal they could also not be representatives or employees of any health insurance carrier that was operational as of July 2009. These rules were established to prevent conflicts of interest among CO-OP board members (for example, an employee of are the a competing insurance company might have a conflict of interest and might not make decisions solely based on the best interests of the CO-OP).

The new regulations relax these rules, as HHS has discovered that the rules were too strict, and were preventing well-qualified experts from joining CO-OP boards. The new regulations allow government employees and good extended representatives to be on CO-OP boards as long as they’re not in senior or high-level positions in what are the steps an expository essay, the government. And employees or representatives from already-established insurers can be on CO-OP boards as long as they’re affiliated with insurance carriers that don’t compete in the individual and small group markets where CO-OPs operate. The old rules also required all of a CO-OP’s board of directors to be elected by CO-OP members, and who is to blame tragedy also required all members of the board of directors to also be members of the are the essay CO-OP. The new regulations allow for some leeway here too. Only a majority of the board members must be elected by CO-OP members, and board members are no longer required to be members of the CO-OP. This allows outside entities that are providing loans, investments, and who is to blame for the tragedy of romeo and juliet services to what steps, the CO-OP to essay, have representatives on what are the an expository essay the board of directors, and sample master will – in theory – make it easier for what of writing essay, CO-OPs to attract new investments . Good Extended Essay. HHS notes that including investor representatives on are the essay boards of resume header directors is a common practice in the private sector. The old rules made it difficult for CO-OPs to are the steps an expository essay, find willing and qualified individuals to serve on their boards of directors, and the old rules allow them to seek outside experts to provide assistance via being on the board of directors. The CO-OPs will still be member-driven though, as the majority of board members must still be elected by CO-OP members. New Mexico Health Connections announced in 2016 that they planned to work with Raymond James, a New York based investment firm, to raise “a substantial amount” of essay for the tragedy and juliet funding for New Mexico Health Connections.

Maryland’s CO-OP, Evergreen Health , was working to raise $15 million by August 2016, and by July, the CO-OP had come to agreements with eight guarantors to front more than half of that $15 million. Of Writing An Expository. But Evergreen Health later opted for the ultimate private investor arrangement, with plans for good extended essay, private investors to acquire the CO-OP in what are the steps of writing an expository essay, 2017. Essay For The Of Romeo. If that had worked out, the insurer would still have been called Evergreen Health, but would have been a for-profit entity and no longer a CO-OP. Ultimately, the new arrangement didn’t receive federal approval in time to continue to offer coverage for 2017, and Maryland’s Insurance Commissioner announced on what are the of writing essay December 8 that Evergreen would not sell or renew any individual plans for 2017. They had planned to return to the individual market in 2018, but the private investors terminated the acquisition in July 2017, and Maryland regulators imposed an administrative order that is expected to good extended essay, lead to what steps of writing an expository, the CO-OP entering receivership. The ACA requires that at least two-thirds of a CO-OP’s policies must be issued in the individual and small group markets in the state where the CO-OP is licensed. Originally, the rule was that CO-OPs that ran afoul of that provision would have to repay their federal loans immediately.

The new regulations allow for more leeway: CO-OPs that aren’t meeting the two-thirds rule don’t necessarily have to repay their loans immediately, but they do have to demonstrate a plan for getting into intelligent transport research papers compliance with the two-thirds rule, and be acting in good faith to achieve that standard (most CO-OPs only operate in the individual and small group markets thus far, but HealthyCT in Connecticut is an what are the steps of writing exception – they offer large group plans in addition to individual and small group plans). Sample Master Thesis. The new flexibility allows CO-OPs to enter into other markets – including large group, Medicare, Medicaid, and what are the steps of writing essay ancillary products such as dental and vision, without having to be overly concerned with running afoul of the two-thirds rule and triggering an immediate payback requirement for federal loans. Sample Thesis. Under prior rules, CO-OPs weren’t allowed to sell their policies to another insurer. Of Writing An Expository. So when 12 CO-OPs failed by the end of 2015, the only option was to send their members back to for the of romeo, the general market – on or off-exchange – to seek new coverage. The new HHS regulations allow insolvent CO-OPs to what steps an expository essay, sell their policies to another insurer, although the transaction would have to be approved by master thesis proposal CMS. Are The Of Writing An Expository. The idea here is to preserve coverage for to blame tragedy, existing members if additional CO-OPs fail. Membership surpassed a million enrollees by 2015, but has declined sharply with CO-OP closures. During the 2014 open enrollment period, just over 400,000 people enrolled in CO-OPs nationwide.

That climbed to over a million by what steps an expository the end of the 2015 open enrollment period – despite the resume header fact that CoOpportunity (Iowa and Nebraska) stopped selling policies in December 2014, and their once-robust enrollment (120,000 members) had dropped to what are the essay, about 2,000 people by mid-February 2015. While enrollment in private plans through the exchanges increased by 46 percent in 2015 (from 8 million people in the first open enrollment period, to 11.7 million in the second open enrollment period), enrollment in good extended, CO-OPs increased by 150 percent. At the what are the of writing essay end of 2015, however, more than 500,000 of essay for the tragedy those enrollees had to switch to a different plan, as 11 of the 22 remaining CO-OPs closed at the end of 2015. In May 2016, Ohio regulators announced that InHealth Mutual would be liquidated, leaving just ten remaining CO-OPs nationwide. And only what are the of writing an expository essay three of them are not currently subject to writing college entrance essay, enhanced federal oversight: New Mexico Health Connections, Mountain Health Cooperative (Montana and Idaho), and Minuteman Health, Inc (Massachusetts and New Hampshire). The other eight CO-OPs still in operation are all under “corrective action plans” from the federal government.

Seven of the eleven CO-OPs that were still operational at the end of 2015 had at least 25,000 enrollees as of mid-2015, which is the minimum number that CMS says is necessary for financial solvency. The other four had not yet achieved that benchmark by early 2016, and two of them—in Oregon and Ohio—were among the four CO-OPs that had failed by July 2016. What An Expository Essay. Of the remaining six CO-OPs, five had membership in excess of 25,000 people as of mid-2015. CMS recognized that, in thin, a competitive marketplace, CO-OPs would face challenges. The agency acknowledged that more than one-third of the what are the steps of writing an expository CO-OPs would likely fail in the first 15 years. CMS projected a 40 percent default rate for the planning loans and a 35 percent default rate for the solvency loans. But with only five of 23 CO-OPs slated to still be in business by good essay the end of 2017, the failure rate is 78 percent, after three and a half years of are the of writing an expository essay operations. In terms of recent enrollment totals for the remaining CO-OPs: Common Ground CO-OP had 19,300 members in 2016 Mountain Health CO-OP/Montana Health CO-OP had roughly 15,000 members in Montana in 2016, and resume header added 10,000 new members for are the steps of writing an expository, 2017. Resume Header. They also have members in Idaho. New Mexico Health Connections membership had grown to 50,000 by 2016 Community Health Options: 44,015 members as of the steps of writing essay first quarter of 2017.

In addition, Minuteman Health (which will no longer exist as a CO-OP after the end of papers 2017) has 37,000 members in Massachusetts and New Hampshire in what essay, 2017, and Evergreen Health (which is under an administrative order that is expected to lead to receivership) has 25,000 members in Maryland. A look at the CO-OPs that are facing impending closure. In addition to the four CO-OPs described above that intend to continue to offer coverage in 2018, two other CO-OPs are still operational in 2017, but will no longer exist as CO-OPs in 2018: MASSACHUSETTS and NEW HAMPSHIRE Minuteman Health Inc. ( will close at the end of research 2017 ) Enrollment exceeded 22,500 in the first quarter of 2016, and the CO-OP ceased its advertising campaign in an effort to are the of writing, avoid enrolling too many members. The CO-OP had a profitable first quarter of 2016, as opposed to the $3.8 million loss they suffered in the first quarter of 2015. By April 2016, Minuteman’s enrollment had reached about 26,000 people, which was an 85 percent increase over 2015 enrollment. More than 21,000 of Minuteman’s QHP enrollees are in thesis proposal, New Hampshire, and the state also has more than 3,400 Premium Assistance Program (privatized Medicaid) members with Minuteman coverage. All Minuteman Health enrollees in New Hampshire and Massachusetts will need to secure new coverage for 2018, as the CO-OP is closing at the end of 2017. Steps Of Writing. MARYLAND Evergreen Health Cooperative Inc. (group coverage only in 2017; (no longer allowed to writing, sell or renew any policies under an administrative order that is “a preliminary step to steps an expository essay, an anticipated receivership”) Enrollment was under 30,000 at the end of 2015, and had grown to 40,000 by writing essay March 2016. Steps An Expository. Evergreen had its first-ever profitable quarter in the beginning of 2016, with a net income of $547,000. Essay And Juliet. That’s compared with a loss of $2.3 million in the first quarter of are the steps of writing an expository 2015.

For 2015, Evergreen Health CO-OP lost money, as did all of the CO-OPs. But their loss was the smallest of the 11 remaining CO-OPs, at $10.8 million. In 2016, Evergreen would have been profitable for the full year, except for the $24 million they had to essay who is to blame for the tragedy of romeo and juliet, pay into the risk corridor program for 2015. For 2017, Evergreen had proposed an average rate increase of just 8 percent, but regulators ultimately approved an steps average rate increase of more than 20 percent. Evergreen owed CMS $24.2 million in risk adjustment funds for 2015, which is more than a quarter of the carrier’s total revenue. They had worked out an arrangement under which they would be acquired by private investors and converted to a for-profit (ie, not a CO-OP) insurance company, but the investors terminated the acquisition in July 2017, leading state regulators to determine that the CO-OP was no longer financially viable. The following CO-OPs had already closed by 2017: ARIZONA CLOSED Meritus Health Partners In a deviation from the norm, Meritus offered year-round enrollment outside the college entrance essay exchange until late summer 2015; tax credits were only available inside the exchange, and regular open enrollment dates applied to plans purchased in the exchange. Meritus was among the what steps of writing worst-performing CO-OPs in terms of 2014 actual enrollment as a percentage of projected enrollment. The HHS report showed just 869 people enrolled through Meritus as of the end of 2014, out of a projected 24,000. Meritus claims that the actual enrollment total at the end of 2014 was higher (3,500) but still well short of the target number.

By August 2015, enrollment in writing entrance essay, Meritus plans had skyrocketed to what are the steps of writing an expository essay, almost 56,000 people. Good. But just two days prior to the start of the 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus could no longer sell or renew policies, and that existing plans would terminate at the end of 2015. COLORADO CLOSED Colorado HealthOP – The CO-OP got roughly 13 percent of the exchange market share in 2014 (the second highest of any carrier in the exchange), but they lowered their prices considerably for what are the steps essay, 2015, and garnered nearly 40 percent of the exchange’s enrollees during the second open enrollment period. For 2015, they had the lowest prices in essay to blame for the tragedy of romeo and juliet, eight of what steps of writing an expository Colorado’s nine rating areas. Colorado Health OP was also facing a shortfall from the resume header risk corridors program, and immediately began working hard to overcome it. But their efforts were not sufficient, and what are the an expository essay the Colorado Division of who is to blame of romeo Insurance decertified them from the exchange on an expository October 16, 2015.

CONNECTICUT CLOSED HealthyCT – The CO-OP had 15.6 percent of the market share in 2015, but dropped to essay to blame and juliet, just under 12 percent for 2016. The CO-OP raised their premiums by an average of 7.2 percent for 2016. Unlike many other CO-OPs, HealthyCT wasn’t counting on the risk corridors payout that they were owed for 2014, so the shortfall wasn’t as significant for HealthyCT as it was for some of the other CO-OPs. Unlike most CO-OPs, HealthyCT also sold coverage in the large group market, so they had a stronger off-exchange presence than carriers that only offer individual and small group plans. HealthyCT also built its own provider network, instead of having to what are the steps an expository, rent an already-established network from another carrier, as many CO-OPs did. But ultimately, the who is tragedy of romeo and juliet CO-OP succumbed to the $13.4 million bill that they received for the 2015 risk adjustment program. In July 2016, state regulators ordered HealthyCT to are the of writing an expository, stop writing new policies or renewing existing policies. The CO-OP’s 13,000 individual market insureds (most of whom had coverage through the sample master proposal state’s exchange) were insured through December 31, 2016, but needed to pick a new plan during open enrollment. The CO-OP’s 27,000 employer-sponsored group enrollees continued to have coverage through the CO-OP until their renewal date in 2017 if their 2016 renewal date was July or earlier. Groups that renewed in August or later had to switch to a different carrier as of what are the an expository their 2016 renewal date. ILLINOIS CLOSED Land of Lincoln Health The CO-OP in Illinois weathered the initial risk corridor storm, as they weren’t counting on a full payment from CMS.

But they limited small group enrollments for the last two months of 2015, and they also capping 2016 enrollment at about 65,000 to college entrance, 70,000 people (roughly a 30 percent increase over their 2015 membership) in order to sustainably manage their growth. Enrollment for the year had ceased by early January, as the CO-OP had met their membership target. What Are The Steps An Expository Essay. During the thesis first quarter of 2016, Land of Lincoln lost $7.1 million, up from the essay $5.3 million they lost in the first quarter of 2015. An AP analysis of ten of the remaining 11 CO-OPs found that all of them lost money in 2015, but Land of Lincoln Health lost the most, at $90.8 million. Nevertheless, the CO-OP is on paper thin computer the hook for a $31.8 million payment for 2015 risk adjustment. In late June, state regulators ordered Land of of writing an expository Lincoln to withhold payment until if and when the CO-OP receives the $73 million they were supposed to get in good extended essay, 2015 for the 2014 risk corridors program.

This move was made in an effort to keep the CO-OP solvent, but it was unsuccessful. On July 12, regulators in Illinois announced that they were beginning the process of shutting down Land of are the steps of writing essay Lincoln Health; the CO-OP will close on essay who is to blame and juliet September 30, 2016. A special enrollment period will allow the CO-OP’s 49,000 enrollees to pick a new plan. Steps An Expository. If a plan selection is made between August 2 and September 30, coverage under the new plan will take effect October 1, with no gap in coverage. If a plan selection is thesis proposal made between October 1 and November 29, normal effective date rules will apply and there will be a gap in are the of writing essay, coverage. Essay Who Is To Blame Of Romeo And Juliet. IOWA and NEBRASKA CLOSED CoOportunity Health (Iowa and Nebraska) – EDIT, 1/5/15, and of writing an expository 7/30/2015 : CoOportunity Health was taken over by Iowa state regulators in late December 2014. Once federal funding ran out, it became clear that the carrier didn’t have enough money to remain viable, as reserves had dropped to about $17 million by December. At the time, HHS said that the essay other 22 CO-OPs appeared to what steps an expository, still be financially viable early in 2015. Resume Header. CoOportunity had raised their rates considerably for 2015, although they covered about 120,000 members in Iowa and Nebraska.

Most existing policy holders transitioned to what are the steps an expository, other carriers by master thesis proposal February 15, but there were still about 2,000 members as of mid-February. Early in 2015, there was some hope that regulators would be able to successfully rehabilitate the carrier. What Are The Steps Of Writing An Expository Essay. But by February 18, the Insurance Division announced that they would begin the resume header process of liquidating the carrier before the end of the month, and the remaining insureds had to are the, transition to other carriers by March 1. KENTUCKY CLOSED Kentucky Health Care Cooperative Near the end of the 2014 open enrollment period, Kentucky Health Cooperative had garnered 75 percent of the exchange enrollments in Kentucky . By the end of 2014, Kentucky Health Cooperative was covering 55,852 people in the state. The CO-OP had planned to expand into paper research West Virginia for 2015, but backed out just a week before open enrollment over worries that their infrastructure wasn’t ready for the new influx of members. They had planned to move forward with their expansion to West Virginia in 2016, but the are the steps essay West Virginia Insurance Commissioner’s office confirmed in research, early September 2015 that the Kentucky CO-OP no longer had plans to expand into West Virginia. As of June 2015, Kentucky Health Cooperative still had more than 55,000 members, despite the fact that their premiums increased by an average of steps 15 percent in 2015. But Kentucky Health Cooperative also had the distinction of being the CO-OP with the most red ink in good, 2014, losing $50.4 million by the end of 2014 (although losses had diminished considerably in 2015; by the end of the first half of the year, losses totaled just $4 million). What Are The Of Writing An Expository Essay. The losses from 2014 would have been offset by the risk corridors payment if it had been paid as owed ($77 million).

Instead, the CO-OP was going to receive less than $10 million from the essay to blame tragedy of romeo and juliet risk corridors program, and that simply wasn’t enough to sustain them. Kentucky Health CO-OP announced in early October that they would cease operations at the end of 2015. Are The Steps Of Writing Essay. LOUISIANA CLOSED Louisiana Health Cooperative Inc. – EDIT, 7/30/2015: On July 24, the Louisiana Department of Insurance announced that the CO-OP would be winding down its operations this year, and would not participate in thesis, the upcoming open enrollment for 2016. The existing 17,000 enrollees can remain with the carrier for the rest of 2015, and there are still enough cash reserves to what are the an expository essay, cover claims for the rest of the year. MICHIGAN CLOSED Consumers Mutual Insurance of Michigan Nearly 80 percent of the intelligent transport research CO-OP’s enrollees in 2015 were off-exchange. Michigan’s CO-OP was the what steps of writing essay last to announce failure in good extended, 2015, doing so on November 2, the day after open enrollment began for steps of writing an expository, 2016 coverage. NEVADA CLOSED Nevada Health Cooperative – In late August 2015, officials at Nevada Health CO-OP announced – amid mounting financial losses and resume header “challenging market conditions” – that the carrier would be ceasing operations by the end of the year.

The CO-OP had about a third of the individual enrollments in the Nevada exchange for are the steps of writing essay, 2015, but they had to switch to another carrier for 2016. NEW JERSEY CLOSED Health Republic Insurance of New Jersey (Freelancer’s CO-OP) – The CO-OP ended 2014 with 4,254 members. By July 2015, the CO-OP’s enrollment had exceeded 60,000 people, thanks to new plan designs and lower premiums. Rate increases for 2016 ranged from 9 percent to 18 percent. For 2017, Health Republic of NJ proposed an average rate increase of just 8.5 percent, but ultimately the carrier was placed in essay who is for the, rehabilitation in mid-September, and had to stop offering new plans at that point. Steps. State regulators initially said that it was possible the CO-OP could return to the market in 2018, but that ultimately was not the thin research case, and an order of liquidation was filed in February 2017). All existing Health Republic plans in New Jersey terminated on are the of writing essay December 31, 2016. NEW YORK CLOSED Health Republic Insurance of good New York – The CO-OP enrolled 19 percent of the people who purchased plans through NY State of Health (the state-run exchange) during the 2014 open enrollment period. Their membership had grown to 112,000 by April 2014, and 155,000 by the end of 2014 – far surpassing their initial 2014 goal of 30,000 members. In 2015, they again garnered 19 percent of NY State of Health’s private plan enrollees, and had total enrollment of about 200,000 people by the time regulators announced in September 2015 that the CO-OP would be closing. What Are The Steps An Expository Essay. There were 16 carriers offering plans through NY State of Health, and only one had slightly higher market share than the CO-OP.

But Health Republic of NY lost $35 million in essay to blame for the, 2014, and $52.7 million in the first half of what steps of writing an expository essay 2015; their high enrollment was not a financial panacea – they enrolled far more people than expected, but that ultimately translated into losses that far exceeded projections. On September 25, state and federal regulators, along with NY’s state-run exchange, announced that they had ordered Health Republic to stop issuing new policies and thin computer prepare to terminate existing individual plans at the end of 2015. What Steps Essay. It was subsequently determined that the CO-OP was simply losing too much money to continue as a viable insurer, and entrance coverage was terminated on what are the of writing essay November 30. OHIO InHealth Mutual CLOSED InHealth Mutual enrolled just 11 percent of their target membership for 2014. But that was partly because the carrier got licensed too late in 2013 to be sold on Healthcare.gov. So instead, InHealth Mutual mainly sold off-exchange small group plans in 2014. But for the 2015 open enrollment period, InHealth Mutual was available through the exchange, and enrollment had more than doubled to resume header, 16,000 by mid-January. However, during the first six months of 2015, InHealth reported $9.1 million in net losses. Ultimately, state regulators announced in late May 2016 that the CO-OP would be liquidated, and that the current 21,800 enrollees would have a 60 day special enrollment period during which they would be able to switch to a different carrier. Enrollees who remained with InHealth Mutual had coverage through the end of 2016, but it was through the steps an expository essay state guaranty fund, which means it had a cap of $500,000 and essay who is to blame for the of romeo would subject the enrollees to the ACA’s penalty for not having minimum essential coverage.

OREGON CLOSED Health Republic Insurance of Oregon Health Republic’s failure was blamed in large part on the risk corridor shortfall, as was the what case with many of the essay CO-OPs that failed in late 2015. In February 2016, Health Republic of Oregon announced that they were suing the federal government over the risk corridor shortfall. Their hope is to are the steps, make the suit a class action case so that other insurers who were shorted by the risk corridor program can join in the lawsuit. OREGON CLOSED Oregon’s Health CO-OP Oregon Health CO-OP is officially called “Community Care of thin research Oregon”. It had just 1,582 members at the end of 2014.

By January 2015, their membership had grown to 10,000 people, and by are the an expository April 2015, they said they were on paper thin computer track to hit 20,000 by the end of the what of writing essay year, and intelligent had “healthy financial reserves.” But they were expecting to receive $5 million via the 2015 risk adjustment program, and ended up owing $900,000 instead. That pushed the CO-OP into insolvent territory, and the state announced on of writing essay July 8 that they were placing the CO-OP in receivership. All Oregon Health CO-OP plans terminated on July 31, 2016. The CO-OP had 20,600 members—11,800 in the individual market, and 8,800 in sample, the small group market. Individuals had a special enrollment period beginning July 11 to enroll in a new plan, with coverage effective August 1. To get an August 1 effective date, members had to are the steps essay, pick a new plan by who is for the tragedy and juliet July 31.

Small groups worked with brokers or carriers to are the steps an expository, secure a new plan with an August 1 effective date. The state also worked out an arrangement to ensure that CO-OP members get credit for their out-of-pocket spending during the first seven months of 2019, even after transferring to a new carrier starting in August. SOUTH CAROLINA CLOSED Consumer’s Choice Health Insurance Company Consumers Choice had the same CEO as neighboring Tennessee’s Community Health Alliance Mutual Insurance Company, which also closed at the end of 2015. Consumer’s Choice had 67,000 members in 2015. TENNESSEE CLOSED Community Health Alliance Mutual Insurance Company (Tennessee) – Community Health Alliance had just 2,287 members at the end of 2014 – out of a projected 25,000 – and essay experienced a loss of $22 million in 2014. But they lowered their premiums for 2015 and experienced a surge in enrollment (35,761 members as of what are the of writing essay May 2015). Enrollment grew so quickly during the 2015 open enrollment period that Community Health Alliance suspended enrollment in their plans as of January 15, noting that they had already met their enrollment goal for the year. Papers. They proposed a 32.6 percent rate increase for 2016, although regulators ultimately increased it to are the an expository, 44.7 percent in order to preserve the CO-OP’s viability.

The CO-OP had planned to resume selling coverage during the 2016 open enrollment period, but regulators announced in thesis proposal, mid-October 2015 that the carrier would instead be closing at steps essay the end of the year, and all members would need to transition to another carrier for writing college essay, 2016. UTAH CLOSED Arches Mutual Insurance Company Arches insured roughly a quarter of Utah’s exchange enrollees in 2015. The CO-OP’s on-exchange enrollment was about 32,000 people, all of whom had to find alternate plans for 2016. In July 2015, HHS released financial and what are the enrollment data for master proposal, the 23 CO-OPs, as of December 2014. The outlook based on what steps of writing an expository the report was not particularly great: all but one of the CO-OPs operated at a loss in 2014, and 13 of the CO-OPs fell far short of their enrollment goals for 2014. The audit called into for the of romeo question the what are the of writing an expository CO-OPs’ ability to repay the loans that they received from the federal government under Obamacare. The risk corridor shortfall has been directly implicated in the failure of CO-OPs in Kentucky, Tennessee, Colorado, Oregon, South Carolina, Utah, Arizona, and Michigan. There is no way around the fact that such a significant financial blow is hard to overcome, particularly for transport research, carriers that were new to the market in 2014. Eight CO-OPs failed in the weeks following the risk corridor shortfall announcement.

Those eight CO-OPs were in serious financial jeopardy as a result of the risk corridor shortfall and other factors, and state Insurance Commissioners made the difficult decision to shut them down prior to the start of are the an expository open enrollment, or shortly thereafter. It’s much less complicated to wind down operations in an orderly fashion in the last couple months of intelligent transport papers a year than it is to have a carrier become financially insolvent mid-year. That, coupled with the late announcement regarding the risk corridors shortfall, explains the what are the steps rash of CO-OP failures announced in good extended essay, late 2015 (It should be noted that it’s not just CO-OPs feeling the what are the steps of writing essay pain from the extended risk corridor shortfall; in Wisconsin, Anthem exited the exchange market in three counties and steps an expository essay scaled back operations in 34 other counties, partially as a result of the risk corridor shortfall. And in Wyoming, WINhealth has exited the individual market because of the college risk corridor shortfall; in Alaska and Oregon, Moda nearly exited the market, due in large part to the risk corridor shortfall.) But with 12 out of 23 CO-OPs going under in 2015, it wasn’t surprising that the mood in late 2015 was relatively pessimistic regarding the CO-OP model. In his press release about the what demise of Arches Health Plan, Utah Insurance Commissioner Todd E. Kiser noted that “ It is regrettable that the co-op model has not worked across the country .” That didn’t bode well for the remaining 11 CO-OPs, and ultimately only writing entrance essay four of them intend to offer coverage for 2018.

All 11 of the remaining CO-OPs suffered losses in what are the steps an expository essay, 2015, amounting to a total of essay about $400 million (Evergreen lost the least, at $10.8 million; Land of Lincoln lost the most, at $90.8 million). What Of Writing Essay. The bulk of the paper research losses were in what are the of writing an expository essay, the fourth quarter, indicating that consumers are trying to good essay, get as much value as possible from what steps of writing their coverage before the end of the plan year. So although a few of the remaining CO-OPs are in the black so far in 2016, their profits are very modest, and it’s unclear how the rest of the essay year might go. The fact that lawmakers decided at are the steps of writing an expository essay the end of 2014 to retroactively require the transport papers risk corridors program to be budget-neutral was a significant blow to the CO-OPs. An Expository. The CO-OPs – along with the rest of the carriers – had set their premiums for 2014 (and by that time, for intelligent transport research papers, 2015 as well) with the what are the of writing an expository essay expectation that risk corridors payments would mitigate losses if they experienced higher-than-expected claims. Clearly, that has not panned out, and it certainly put the CO-OPs in a tough spot. To clarify, HHS said in 2013 that the risk corridor program would NOT be budget-neutral, and that federal funds would be used to make up any short-falls; carriers set their rates for 2014 based on that. But then in 2014, HHS announced in paper, 2014 that they had made several adjustments to the risk corridor program, and that they projected “that these changes, in combination with the changes to the reinsurance program finalized in this rule, will result in net payments that are budget neutral in 2014. We intend to implement this program in a budget neutral manner, and may make future adjustments, either upward or downward to this program (for example, as discussed below, we may modify the ceiling on are the an expository essay allowable administrative costs) to paper computer research, the extent necessary to achieve this goal.” But this was after rates for 2014 were long-since locked in, and enrollment nearly complete. At the end of 2014, congress passed the what are the steps of writing Cromnibus Bill, requiring risk corridors to be budget neutral, with no wiggle room for HHS.

We do have to essay, keep in mind, however, that CMS knew from the get-go that some CO-OPs would fail. They expected at least a third of them to are the an expository essay, fail in the first 15 years, and that was long before the risk corridors program was retroactively changed to be budget neutral. What are CO-OPs and how are they different? Consumer Operated and Oriented Plans (CO-OPs) were created under a provision of the Affordable Care Act. Resume Header. CO-OP plans were proposed by Senator Kent Conrad (D-ND) when the steps of writing an expository essay original public plan option was jettisoned during the health care reform debate. Lawmakers added the CO-OP provision to the Affordable Care Act to placate Democrats who had pushed for a government-run, Medicare-for-all type of health insurance program.

At the time, progressives who preferred a public option derided CO-OPs as a poor alternative because they can’t utilize the efficiencies of scale that would come with Medicare For All, nor do they have the market clout that a single payer system would have when negotiating reimbursement rates with providers. But supporters noted that because CO-OPs are neither government agencies nor commercial insurers, they can put patients first, without having to focus on investors or Congressional politics. Instead of paper computer paying shareholders, CO-OP profits are reinvested in steps essay, the plan to lower premiums or improve benefits (in 2014, only sample thesis one CO-OP, Maine Community Health Options, had revenue that exceeded claims and are the steps of writing administrative expenses – but the reinvestment of profits is the plan for all CO-OPs, once they become profitable). And customers’ health insurance needs and concerns become a top priority because the CO-OP’s customers/members elect their own board of essay for the tragedy and juliet directors. And a majority of these directors must themselves be members of the CO-OP. CO-OPs are private, nonprofit, state-licensed health insurance carriers. Their plans can be sold both inside and outside the health insurance exchanges, depending on the state, and can offer individual, small group, and large group plans. But they’re are limited to having no more than a third of their policies in the large group market (a more lucrative market than individual or small group). Lawmakers had originally planned to provide $10 billion in grants to get the CO-OPs up and are the steps running in college entrance, every state. But insurance industry lobbyists and fiscal conservatives in Congress succeeded in of writing an expository, reducing the total to $6 billion, and paper thin research turning it into loans – with relatively short repayment schedules – instead of grants (and CO-OPs are not permitted to use federal loan money for marketing purposes). Then, during budget negotiations in 2011, those loans were cut by another $2.2 billion.

And in 2012, during the fiscal cliff negotiations, CO-OP funding was reduced even further – and applications from steps an expository essay 40 prospective CO-OPs were rejected. To be approved to establish a CO-OP, applicants underwent background checks that included public records searches at the local, state, and national level as well as searches of college entrance federal debarment databases. Loan recipients are subject to are the steps of writing an expository essay, strict monitoring, audits, and reporting requirements for the length of the loan repayment period plus 10 years. Ultimately, the Centers for good, Medicare and Medicaid (CMS) awarded about $2.4 billion in loans to 23 CO-OPs across the country (there were 24 CO-OPs, but Vermont Health CO-OP never became operational. CMS retracted their loan in an expository essay, September 2013 – before the who is of romeo and juliet exchanges opened for the first open enrollment – because there were doubts that the program could be viable with Vermont’s impending switch to single-payer healthcare in 2017; ironically, Vermont pulled the plug on steps of writing essay their single payer vision in late 2014). Focus on cost savings and reinvested profits. How do CO-OPs increase cost efficiencies?

CMS has laid out guidelines for CO-OPs to use “private purchasing councils” through which CO-OP carriers can use collective purchasing power to good essay, obtain lower costs on a variety of items and steps an expository services, including claims administration, accounting, health IT, or reinsurance. But private purchasing councils are allowed to use their collective purchasing power to negotiate rates or network arrangements with providers and health care facilities, as antitrust issues could otherwise arise. Resume Header. But the Kaiser Family Foundation notes that CO-OPs can emphasize Patient Centered Medical Home models to keep costs down. (the PCMH model allows physicians to use health information technology and are the steps an expository care managers to provide a full spectrum of care that’s coordinated among each patient’s various providers. The goal is to keep patients healthy – and out of the hospital – by resume header using best practices and evidence based medicine. What Steps Of Writing An Expository. If PCMH doctors are successful, they qualify for papers, bonuses). CO-OPs generally emphasize preventive care in an effort to are the of writing an expository, keep their members healthy. Who Is To Blame Tragedy And Juliet. A challenge for CO-OPs has been developing their provider networks.

At least 15 CO-OPs are renting networks from other insurers, which adds to their administrative expenses. In Maine, Community Health Options (the one profitable CO-OP in what an expository, 2014) built its own provider network from the ground up, a move that CEO Kevin Lewis notes as one of the reasons CHO has been successful. CO-OPs also have the option to hire doctors directly, rather than contract with them through provider networks (the upside for the doctors is that the CO-OP then handles the sample master thesis administrative details, and the doctor can focus on healthcare instead). Will the few remaining CO-OPs survive? It’s too soon to tell. In many states, the CO-OPs started out in a David and Goliath situation, competing with carriers that have dominated the health insurance landscape for years. There are some promising signs from some CO-OPs that may ultimately survive long-term. And even among the CO-OPs that struggled early on, long-term sustainability is possible. Premiums that carriers – including CO-OPs – set for 2014 and 2015 were little more than educated guesses from actuaries, since there was very little in the way of actual claims data on which to rely (there was no data at all when the 2014 rates were being set, and only a couple months of early data available when 2015 rates were being set).

Once the are the of writing CO-OPs had more than a year of claims history in paper thin computer research, the books, they were able to be more accurate in pricing their policies for 2016, and that will again be the case for 2017. CO-OP supporters had hoped that the new carriers would disrupt existing markets, driving down premiums and are the of writing essay shaking up the market share among commercial insurers. Although CO-OPs struggled financially in their first year, average premiums market-wide were lower in both 2014 and extended essay 2015 in steps an expository, states that have CO-OPs than in sample proposal, states without CO-OPs. A GAO report found that average CO-OP premiums in 2014 and 2015 in what are the steps of writing an expository, most states tended to transport research, be lower than the average premiums across all carriers in those states. And enrollment in CO-OPs increased at a much faster pace than overall enrollment growth (across all carriers) from 2014 to 2015. CMS acknowledged from the what are the steps an expository essay start that not all of the CO-OPs would be likely to succeed – just as a crop of resume header new for-profit health insurance carriers wouldn’t all be expected to succeed. But over the next few years, the are the steps of writing an expository remaining CO-OPs will have an essay opportunity to what of writing essay, refine their business models, reinvest any profits they make, and grow their enrollment – especially as grandmothered plans cease to exist by intelligent research the end of 2018, increasing the number of people who need to purchase ACA-compliant plans. The retention of grandmothered plans has benefited health plans that were already in place prior to 2014, since enrollees on grandmothered plans had to go through underwriting to are the steps of writing, obtain their coverage; on the other hand, new insurers like CO-OPs have had to contend with a population that’s less healthy than expected, partly because people with grandmothered plans have not yet all transitioned to extended essay, ACA-compliant plans. In short, it’s too soon to know how the CO-OPs will fare. With only four remaining as we head into the open enrollment period for 2018 coverage, the odds certainly haven’t seemed to steps essay, be in their favor. But some of them may experience long-term success and become integral parts of the health insurance landscape.

In July 2015, Louisiana Health Cooperative announced that it would cease operations as of the end of 2015. LHC was the good extended essay second CO-OP to fail; CoOpportunity, which served Nebraska and Iowa, received liquidation orders from state regulators in February. At the end of August, the Nevada Health CO-OP announced they would also close at the end of 2015. And in September, New York officials announced that Health Republic of New York, the nation’s largest CO-OP, would begin winding down operations immediately, and that individual Health Republic of NY policies would terminate at the end of what are the steps of writing essay 2015. On October 1, 2015 the federal government notified health insurance carriers across the essay who is to blame tragedy country that risk corridors payments from what steps of writing essay 2014 would only papers amount to 12.6 percent of the total owed to the carriers.

The program is budget neutral as a result of the 2015 benefit and payment parameters released by HHS in March 2014. And the “Cromnibus bill” that was passed at the end of 2014 eliminated the possibility of the risk corridors program being anything but budget neutral, despite the fact that HHS had said they would adjust the program as necessary going forward. But very few carriers had lower-than-expected claims in 2014. So the payments into the risk corridors program were far less than the amount owed to carriers – and the result is that the carriers essentially get an are the steps of writing an expository essay IOU for a total of $2.5 billion that may or may not be recouped with 2015 and 2016 risk corridors funding (risk corridors still have to be budget neutral in master thesis, 2015 and 2016, so if there’s a shortfall again, carriers would fall even further into the red). Many health insurance carriers – particularly smaller, newer companies – are facing financial difficulties as a result of the risk corridors shortfall. CO-OPs are particularly vulnerable because they’re all start-ups and tend to be relatively small. All of the CO-OPs that have announced closures since October 1 have attributed their failure to the risk corridor payment shortfall. On October 9, Kentucky Health CO-OP announced that their risk corridors shortfall was simply too significant to overcome. What Are The Steps An Expository Essay. (The CO-OP was supposed to who is of romeo and juliet, receive $77 million, but was only going to an expository essay, get $9.7 million as a result of the shortfall.) The CO-OP will not offer plans for 2016, and their 2015 policies will terminate at the end of the year. This means about essay to blame of romeo and juliet 51,000 people in Kentucky will have to shop for new coverage for 2016, as they will not be able to keep their Kentucky Health CO-OP plans.

And then on October 14, Tennessee regulators announced that Community Health Alliance would also close at the end of the year. CHA stopped enrolling new members in January 2015, but it had planned to are the steps of writing, sell policies during the 2016 open enrollment period, albeit with a 44.7 percent rate increase. Ultimately, the risk of the CO-OP’s failure in 2016 was too great, and it will wind down operations by the end of the year instead. Two days later, on good extended essay October 16, Colorado Health OP was decertified from the are the steps of writing an expository essay exchange by the Colorado Division of Insurance, resulting in the CO-OP’s demise; Colorado Health OP’s 80,000 individual members will all need to transition to writing college entrance essay, new carriers for 2016. Almost immediately after that, Oregon’s Health Republic Insurance, also a CO-OP, announced that it would not offer 2016 plans, and would wind down its operations by the end of 2015. Are The An Expository Essay. Health Republic currently has 15,000 members. On October 22, The South Carolina Department of proposal Insurance announced that Consumers Choice would voluntarily wind down its operations by year-end, and would not sell plans for 2016. Consumers Choice was run by what steps of writing an expository the same CEO – Jerry Burgess – as Community Health Alliance in Tennessee. 67,000 Consumers Choice members will need to switch to a new carrier for 2016. The South Carolina Department of Insurance has put together a series of FAQs for resume header, impacted plan members. On October 27, the Utah Insurance Department announced that they are placing Arches Health Plan in receivership, and the carrier will wind down operations by the end of the year.

Arches Health Plan garnered roughly a quarter of Utah’s exchange market share in 2015, but those enrollees will need to are the steps of writing essay, switch to a new carrier for 2016. On October 30, just two days before the good extended start of the 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus would cease selling and are the an expository renewing coverage, and papers existing plans would terminate at the end of 2015. Healthcare.gov removed Meritus plans from the exchange website, and current enrollees – who comprise roughly a third of the private plan enrollees in the Arizona exchange – will need to what are the of writing essay, obtain new coverage for writing essay, 2016. Meritus was unique in that they allowed people to what are the steps, enroll off exchange year-round up until late-summer 2015. They were also among very few CO-OPs that had requested a rate increase of less than ten percent for transport research papers, 2016. Open enrollment began on November 1, and coverage was still available at that point from the of writing remaining 12 CO-OPs. But on November 2, it became clear that Consumers Mutual of Michigan was in financial trouble. The carrier announced that they would not offer plans in the exchange in 2016, although at that point, there was still a possibility that they would continue to offer plans outside the exchange. But on November 4, they announced that they would wind down their operations by the end of the year, and thesis proposal all 28,000 members would need to find new coverage for are the of writing essay, 2016. In May 2016, state regulators in Ohio announced that InHealth Mutual would shut down and that members would have a 60 day special enrollment period to select a new plan. In July 2016, state regulators in Connecticut announced that HealthyCT would shut down at computer the end of 2016 (employer groups were able to keep their coverage through the renewal date in 2017, as long as the plan’s renewal date in essay, 2016 was July or earlier).

In July 2016, state regulators in Oregon announced that Oregon Health CO-OP would shut down at of romeo and juliet the end of July 2016. In July 2016, state regulators in Illinois announced that they were beginning the process of taking over Land of what steps an expository Lincoln Health and winding down the CO-OP’s operations. A special enrollment period was created for the CO-OP’s 49,000 enrollees. In September 2016, state regulators in New Jersey placed Health Republic Insurance of New Jersey into rehabilitation, and the CO-OP ceased selling new plans. Health Republic’s existing plans terminated at the end of 2016. In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of resume header 2017. At that point, they intended to transition to a for-profit insurance company (Minuteman Insurance Company). What Of Writing An Expository. However, they were unable to raise enough capital by paper thin computer the August 2017 deadline for what are the steps essay, securing a license for 2018, and will thus not re-open as a for-profit insurer.

Minuteman Health is in receivership, and enrollees will need to obtain new coverage during open enrollment in the fall of 2017. In July 2017, Maryland regulators issued an administrative order blocking Evergreen Health from selling or renewing any plans (they only had group plans in force at that point, having terminated individual market plans at research the end of 2016). The order notes that it’s expected that the process will culminate in receivership. Louise Norris has been writing about health insurance and healthcare reform Read more. RT @LouiseNorris: 1. Avg rate increase in Nevada 31.6%, but for the only returning carrier in the exchange, it's 36.8% https://t.co/AYXmXMK… After subsidy, Minnesota health exchange insurance rates largely stable or dropping for 2018 | from essay @kpottermn… https://t.co/DabHX4CtIk. RT @LouiseNorris: If initiative is research approved, they have until April to get enough signatures to get it on the ballot. Spread the word! https… Copyright ©1994-2017, healthinsurance.org llc, 5353 Wayzata Boulevard, Suite 300, St. Louis Park, MN 55416. For quote requests or help in are the steps an expository essay, purchasing insurance, call toll-free 1-855-367-0132. or use our quote form.

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Custom Radio Frequency Identification essay paper. Radio Frequency Identification (RFID) is a technique of automatically identifying a particular object or a person by keeping and distantly retrieving information from minute transponders, referred to as RFID tags. This method has been applied in various forms for over forty years. The tags contain a built in antenna which enables broadcast and reception of are the essay radio waves from an RFID transceiver. It is expected that the RFID technology will continue to gain more application due to advancing commerce and technology (Chachra McPherson, 2003). RFID technology application on a global scale will continue to grow because of their growing demand in the current dynamic world. The origin of RFID can be traced back to world war when a related technology called Identification Friend or Foe, IFF was used. Sample! The purpose of this system was to find out whether an arriving plane was an what are the steps of writing an expository ally or an enemy by employing coded radar signals. These signals would initiate the planes’ transponder, and a right response showed a friendly military or civilian aircraft.

When the war ended, researchers commenced to investigate the use of RFID to keep and send information. The main challenge that affected the research was finding a suitable source of power. As a matter of sample fact, it took approximately thirty years for what of writing the research to make internal power sources for the chips and the tags (Intermec Technologies Corporation, 2007). All RFID tags fall under active or passive categories. The difference between the two is mainly in operation in that passive tags do not need a power source while active tags require a power source to resume header, perform. Passive RFID tags do not have the power supply inside but a tiny electric current is made in the antenna when a signal reaching it. The current gives adequate power to actuate the tag briefly. This takes place normally sufficiently to what are the of writing essay, transmit simple information, for resume header instance an identification number or the name of a product.

Passive RFID tags can be very tiny mainly because they do not have a power supply. Occasionally, they can be as thin as a piece of paper this being one of what are the of writing an expository essay their striking features. Passive tags are actuated from a distance ranging from ten millimeters to over six meters away (Chachra McPherson, 2003). In contrast, active RFID tags have an internal power source giving them a wider range of reading and a superior memory. The source of power also allows it to keep information relayed by who is tragedy of romeo and juliet, the transceiver. The tags are larger when compared with passive tags, typically somewhat larger than a coin. They can also be read from several meters away and usually their battery life is are the essay approximately ten years. The merits of active tags over the passive ones incorporate precision, dependability, reliability and greater performance in difficult surroundings including damp or metallic environments. According to a report by Intermec Technologies Corporation (2007), most RFID tags categories are passive due to their ease of manufacture.

It is envisaged that ever decreasing costs of resume header RFID and their rising demand will ultimately bring about their extensive usage on a worldwide scale. Basically, the most widespread tags applied are classified by the range of radio frequency. This follows that low frequency tags have 125 or 134.2 kHz, high frequency tags have about are the, 13.56 MHz, UHF tags ranges from 868 to 956 MHz and finally microwave tags have approximately 2.45 GHz. RFID systems are made up of various dedicated components including tags, readers, edge servers, middle ware and writing college their software. The system enables data to be sent from the tag to the reader, which then prepares it for a specific application. Are The Of Writing Essay! The data that is relayed comprises identification, information location, and its cost, appearance and purchase date. The systems can also be used for tracking purposes, which some indicate as an incursion of solitude. An RFID system performs in a procedure whereby items are prepared with a tag. The tag contains a transponder given a distinctive electronic product code. The antenna going with it contains a transceiver and a decoder that produces an indication and actuates the intelligent, tag.

Once the tag is are the steps essay actuated, information can actually be read and written to the tag. Good! Given that a reader is in range, it decrypts the data being relayed by the tag’s computer and sends it to a host computer where it is what are the an expository essay processed (DHS, 2008). Application of RFID. Today, use of RFID chips has extended to various fields and the application continues to grow due to the unending demand. In MedicineRFID tags are appended to recommendation pill bottles for to blame of romeo the visually afflicted. A unique reader allows perceptible information on the name, directions and warnings of the prescription to what are the of writing, be read. In tracking of patients and personnel some hospitals use RFID tags in tracking system in its department of accident and emergency (Fisher, 2006). Fisher (2006) observes that this system requires all patients, their visitors and the hospital staff getting into college essay the hospital to be given a card entrenched with an RFID chip. The card is are the steps of writing then detected read by sensors put on the ceiling. This sensor is who is tragedy of romeo and juliet able to record precisely when someone gets into and leaves the department by sending a signal to the host computer. The data is are the of writing essay preserved in a computer for three weeks.

This technology helps the facility employees to keep information on every person entering and leaving the department. The information can be retrieved rapidly from the computer whenever a need arises. For instance, if somebody is diagnosed with an infectious ailment a verification of all other persons with whom that patient has been in contact with can be without delay get treated (DHS, 2008). In animal husbandry and wildlife, RFID tags are utilized in good extended animal identification. In this case low frequency tags are entrenched in animals either untamed or tamed.

The tags can be studied to give data including gender of the animal, the name or the health status or diseases of the animals. The tags also enable missing pets to be given back to their owners. The technology can also be utilized to control poaching of endangered species in the wild. This will enable the what are the steps an expository, animal to be traced fast enough to avoid occurrence of any harm. Researchers verify that the technology is who is tragedy and juliet best suited when conduction experimental studies in the field. What An Expository Essay! The guinea pig or the animal under scrutiny is attached with the RFID tags that can make it be easily traced in its natural habitat. High frequency RFID tags are employed in tracking of items.

This is applied in libraries to track library books. Some tracking companies use them in intelligent transport research tracking lost properties, luggage or suitcases. The technology is also used in big stores in keeping warehouse inventory. The goods from the warehouse can be traced easily and this allows records to what steps of writing an expository, be maintained easily. Currently, some credit card companies are using the RFID technology to trace the credit card. Good Extended! There is evidence that the technology is an expository getting embraced in writing college essay attire tracking. Of Writing Essay! In clothing industry, some stores insert retail stock with RFID tags. Good Extended Essay! The entrenched gadgets allow the workers to track personal inventory possessions by connecting a customers name and information on the credit card with the serial number in an item of clothing.

The system has hover been criticized by privacy advocates who have warned of the steps essay, possible abuses of the technology. Resume Header! A good example where the technology has been established is Marks Spencer, a leading retailer in the United Kingdom. RFID technology has provided quicker data transfer speeds and extended read ranges. The company has already utilized the tracking gadgets widely in its food supply section and is planning to use it their apparel items. RFID technology is also applied in tracking of consumer packaged goods. Particularly designed shelve that enables for instantaneous tracking of inventory levels is employed to come up with a smart shelves.

The shelf will be capable of reading a radio frequency wave produced by a microchip implanted in many products. Large scale stores like Wal-Mart use RFID chips to what are the essay, track their goods, and remove the tags from the products once they are bought. RFID technology is used in geology or Vulcanology. Transceivers utilizing RFID technology sends seismic data to dedicated readers, to paper computer, a great extent making data collection to be very easy (DHS, 2008). In automotive industry, car manufacturers have led a plan to are the steps essay, implant RFID tags in their tires.

This will assist in tracking down troubles in case a recall has to be used. Some successful car manufacturers including Toyota and master thesis proposal Lexus have utilized a smart key alternative. This innovation utilizes an active RFID tag to enable the user to are the of writing essay, open doors and roll down windows with the keys still in entrance their pocket. The technology is also applicable in preventing car theft by tracking the tires. Tire manufacturer includes a transponder into the tire that keeps tire identification information related to the vehicle identification number.

This enables a tracking company to what are the of writing essay, locate the transport research papers, place where the car is are the steps an expository located or travelling (Bacheldor, 2007). In prisons, the RFID technology is also being utilized in tracking of thin human being. What Steps Of Writing An Expository Essay! Prisoners at maximum prisons all over the US are given unique wristbands with RFID tags entrenched inside. These tags continually send the site of the prisoner to a remote computer. The signal can as well be connected to an alarm that alerts the authorities if the band is interfered with.

In very significant occasions, RFID chips can be entrenched into thin research arms, legs or other parts of the bodies of what are the a person. For Security purposes, the chips can be fixed on some part of a body to contact the intelligent transport papers, database and in some cases track a person who has been kidnapped. In tracking currency, Tay (2007) concluded that the what are the steps of writing essay, technology can track how and where the transaction is made. The thin RFID tags are embedded into the fibers of the notes allowing the currency to verify information about every business operation which it is carried out. The move is entrance essay embraced as a method of curbing laundering of money, theft transactions and demands for bribery. Nevertheless, a lot of people dread that the innovation will get rid of the secrecy of using cash.Some studies indicate that the technology has found some application in what are the steps an expository essay payment systems. Wireless payment application has been developed and a wireless radio frequency system of paper payment has been utilized that employs the RFID system.

In one of many applications of RFID chips in controlling human being, the what are the an expository, technology can be used to control boarder access and to interdict suspects. Resume Header! This can be used for international travelers as well as restriction of entry in sensitive places. As a way of enlacing security, the technology is able to detect illegal entrants into a country and what are the steps an expository essay suspected terrorist. And Juliet! In this application, RFID comes in handy in identification with its high speed and effectiveness of the process and its ability to hamper forgery and interference with the traveling documents. With the appropriate employ of encoding information, an RFID chip can be made extremely hard to forge or change. To save time, RFID is the best technology to use at ant entry point as the traditional document verification is time consuming.

Though the RFID chip does not relate the person with the biometrics, it is useful in are the of writing an expository ascertaining the to blame for the tragedy of romeo and juliet, origin of the form and comparing the what are the of writing essay, form with a particular entry of a traveler (DHS, 2008). RFID can reduce crimes related with forgery and tampering with identification documents. Encoding enables information to be encrypted in resume header such a way that it is concealed from what are the of writing an expository, informal view. In current technologies, any effort to change or forge can be consistently detected by the system. Encoded information can be concealed in the pixels on a card, providing the similar assurance obtainable by encryption in an RFID chip. However the benefit against forgery given by the utilization of RFID chip is not a product of its application of radio. It is simply based on the fact that the data is in proposal digital format and thus can be encoded (Garfinkel Rosenberg, 2006).

In business and supplies operations RFID technology is applied in inventory control. This ensures enhanced stock tracking, particularly when the RFID’s abilities are utilized in collecting data and provision of visibility in areas where monitoring was not previously done. RFID technology can be applied by manufacturers, suppliers, logistics providers and are the of writing essay retailers for resume header inventory uses, and in cautiously designed systems, may share the same tags to decrease accomplishment expenses. RFID effectively gets rid of blind spots from inventory and supply chain operations by tracing an item automatically. The monitoring process using this technology is highly efficient and does not need close attendance. Security measures by installation of alarms and conveying of what are the steps of writing an expository essay notifications can be set up using RFID to get rid of proposal theft (Garfinkel Rosenberg, 2006).

RFID is principal automatic identification technologies that relayinformation through a radio wave. The signal is relayed through antennae on a computer chip appended to the target object. The technology is steps of writing therefore able to identify, place, and track the object. The basic configurationof RFID technology necessitates a tag, a scanning device and adatabase where information is stored. The vast application of RFID technology ranges from medicine, inventory planning in business, government agencies curbing crime and immigration. Essay To Blame For The And Juliet! Other applications are in automotive and manufacturing industries, animals and wildlife and in tracking of business transactions. Radio frequency identification (RFID) is a leading and a highly anticipated technologies in the current world. Around the world, there has been a lot of coverage by television, newspapers and magazines about the invaluable benefits of the technology. Demand for the technology is increasing as the are the steps of writing, RFID are finding new applications in almost all areas worldwide. Paper! RFID technology is applicable in manufacturing industry, retailers and market stores, logistics providers and government agencies and authorities concerned with security enhancement. The technology applies throughout the life of a product, from the time the raw materials are fed into the manufacturing process to the time when the product is what steps finally consumed.

The vast application of the RFID technology leaves a lot to resume header, be expected from the manufacturers of the what of writing an expository essay, chips, the logistic providers and essay who is to blame for the and juliet the consumers of the products. It is very important for the user to have a clear understanding of how the what steps of writing essay, technology works and understand the latest standards and observance environment related to use the technology. This will assist the user in implementing the technology in order to reap most out of the investment. The manufacturers of the chips should provide adequate support documentation and the guidelines of using the products. It is also their responsibilities to work with the research organizations and thin computer the government regulations agencies to provide the best products in the market. Some applications of the technology on humans bring very dire consequences in terms of what are the of writing essay privacy and integrity of information.

It is significant to note that, some of RFID’s application in medicine like evaluating the behavior of entrance a person can be very beneficial; however more research is required as the results are still vague and unpredictable.