Basis point

Bower referenced slide 109 commenting that the Life Company also met with A.M. Best and also had a very good meeting with A.M. Best. He noted that our analyst quit A.M. Best right before our meeting; therefore, we currently do not have an analyst assigned to us but expect to have one assigned within the next couple of months. Mr. Bower doesn’t anticipate any changes in the “A” rating that United Farm Family currently has. Mr. Bower referenced page 145 in Appendix for the actions of the Interest Rate Committee. The Interest Rate Committee did take action on older annuities and older deposit money to reduce the interest rate by 25 basis points. And, in addition, we had 14 older annuity products that had an excess interest rate that was not guaranteed that we removed to bring those down to a guaranteed rate. He stated that we are doing this to continue to mitigate the situation we have with a lower interest rate…

The Young Men Christian’s Association (YMCA) originally started in 1844, founded by Sir George Williams (Ingols, Ladge, & McNett, 2012). The original intent was to improve the quality of life for young men in London, England (Ingols, Ladge, & McNett, 2012). It offered support and services for visiting sailors, World War I refugees and prisoners, as well as assisted African American soldiers as they returned to the segregated South (Ingols, Ladge, & McNett, 2012). After World War I and World War…

His voice frequently comes off as unyieldingly harsh in its opinions, despite his seeming unwillingness to commit to his opinions, to the point that it can become condescending. When referring in an example to a student he once had who wrote about her parent’s divorce, he described it as an essay “we’ve all read”, divorcing her of true ownership and concluding that the only benefit such an essay could produce is if he “[let] her believe it is hers”, all of which lends itself to a view of…

each other besides the ending when the author calls the bully her sister. The poem is well plotted, and has a good introduction into getting onto the real topic of racism and stereotypes. “That day... which-had-to-be-named Elementary” (207). Let’s you know that there is an already influential white influence on the school. That the influence bothers, and influences work ethic on the minorities, makes them rebel, and feel unfairly treated because of their skin color. I think that since…

Prepping: Can It Lead To Hoarding? It can for a very small percentage of people, and like any condition described as a disorder there are varying degrees. We all "hoard" to some extent, but most of us would never get to the point where we would be eligible to get on the reality show Hoarding: Buried Alive. Hoarding disorder is a persistent difficulty discarding or parting with possessions, because of a perceived need to save them. A person with hoarding disorder experiences distress at the…

1. What did you think of the experience and point of the video? On the Main Point: The main purpose of the exercise Jane Elliot conducted in the Blue Eye/Brown Eye video was to demonstrate the impacts and nature of racial discrimination. I believe that this is a very important concept to learn for individuals that have never experienced or do not believe such blatant acts of prejudice exist. At the same time, I do not believe that this point alone has any form of long lasting value,…

In response to the questions posed for this case, we felt Kate and John could not have a normal productive working relationship at this point. We felt that Kate should look to apply for a position in another department within the company or find another job. We did not feel that she would get far with claiming sexual harassment. Ethically she had put her own integrity in question by allowing John in her home and by spending time with John in a non-work related capacity. Kate could appear to have…

diagnostic ERCP changed into a more complex procedure, I asked Marc if we could switch roles so that he can assist the doctor without interruption, and I will look after the patient. He said “No” and decided to call the front desk for an extra nurse to come in to help. I did not think that taking away one nurse from her or his assignment for a non-urgent matter was appropriate. Therefore, I informed him that asking for an extra hand was not necessary. However, his response was that “Someone is…

with the author, it has been noticed that those teens are having a hard time while switching from a colloquial context to Standard English. I personally understand that this can happen; being that young, students are likely to adapt themselves with the ambiance they are. Nevertheless, I also believe that parents, the ones responsible for their children, could be administrating these students’ time on the social media and hence requiring of them a little more maturity on what they post.…

In hindsight, it does appear a bit cowardly, but that is the point exactly. It is ok to indulge in these enjoyments; however, it is more difficult to monitor the amount of time that you should spend on these types of things. Once someone invest a certain amount of time into something they genuinely enjoy, they begin to “weigh” that activity in comparison with other things they may consider doing instead of that activity. Naturally, if it is easier to make friends online you will choose to make…