How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.
Praise from Jesse Green, New York Times Chief Theater Critic, Arts, in the 2023 Holiday Gift Guide: “From A (the director George Abbott) to Y ('You Could Drive a Person Crazy'), The Stephen Sondheim Encyclopedia, by Rick Pender, offers an astonishingly comprehensive look, in more than 130 entries, at the late master’s colleagues, songs, shows and methods." The Stephen Sondheim Encyclopedia is a wonderfully detailed and comprehensive reference devoted to musical theater’s most prolific and admired composer and lyricist. Entries cover Sondheim’s numerous collaborators, from composers and directors to designers and orchestras; key songs, such as his Academy Award winner “Sooner or Later” (Dick Tracy); and major works, including Assassins, Company, Follies, Sweeney Todd, and West Side Story. The encyclopedia also profiles the actors who originated roles and sang Sondheim’s songs for the first time, including Ethel Merman, Angela Lansbury, Mandy Patinkin, and Bernadette Peters. Featuring a detailed biographical entry for Sondheim, a chronology of his career, a listing of his many awards, and discussions of his opinions on movies, opera, and more, this wide-ranging resource will attract musical theater enthusiasts again and again.
The serious nature of cardiovascular adverse drug reactions occurring in patients makes assessment of a drug's cardiac safety profile a high priority during both development and post-approval monitoring. Integrated Cardiac Safety provides necessary guidance and methodology for professionals assessing cardiac safety of drugs throughout all stages of the drug's life, from discovery and development through postmarketing research. This self-contained, reader-friendly text is valuable to professionals in the pharmaceutical, biotechnology, and CRO industries, pharmacologists, toxicologists, government officials, and students.
Explore what the authors label educational "duck and cover" policies-ideas that are no longer useful or are not scientifically sound or even logical. The authors offer recommendations for reconsidering, replacing, or just removing these dubious practices. Topics include standardized testing, college and career readiness, social and emotional learning, teaching evaluations, and professional development"--
Legal socialization is the process by which children and adolescents acquire their law related values, attitudes, and reasoning capacities. Such values and attitudes, in particular legitimacy, underlie the ability and willingness to consent to laws and defer to legal authorities that make legitimacy based legal systems possible. By age eighteen a person's orientation toward law is largely established, yet legal scholarship has largely ignored this process in favor of studying adults and their relationship to the law. Why Children Follow Rules focuses upon legal socialization outlining what is known about the process across three related, but distinct, contexts: the family, the school, and the juvenile justice system. Throughout, Tom Tyler and Rick Trinkner emphasize the degree to which individuals develop their orientations toward law and legal authority upon values connected to responsibility and obligation as opposed to fear of punishment. They argue that authorities can act in ways that internalize legal values and promote supportive attitudes. In particular, consensual legal authority is linked to three issues: how authorities make decisions, how they treat people, and whether they recognize the boundaries of their authority. When individuals experience authority that is fair, respectful, and aware of the limits of power, they are more likely to consent and follow directives. Despite clear evidence showing the benefits of consensual authority, strong pressures and popular support for the exercise of authority based on dominance and force persist in America's families, schools, and within the juvenile justice system. As the currently low levels of public trust and confidence in the police, the courts, and the law undermine the effectiveness of our legal system, Tom Tyler and Rick Trinkner point to alternative way to foster the popular legitimacy of the law in an era of mistrust.
The revised third edition of the formerly titled Substance Use and Abuse retains its comprehensive, holistic examination of the field of substance use and misuse from a Canadian perspective. Now organized into seven sections, the 30 chapters examine the nature of addiction; explore biological, psychological, and social theories that attempt to explain addiction; discuss drugs that produce addiction, along with a review of prevention, treatment, and treatment system options; and consider the legal and ethical issues that those working in substance use and addiction frequently encounter. Thoroughly updated to reflect contemporary issues and recent advances in the field of addiction counselling, Rick Csiernik’s much-loved text features new content on the changes to cannabis law and culture in Canada, the opioid crisis and public response, as well as expanded content on cultural competence, non-substance use addictive behaviours, motivational interviewing, and relapse prevention. Substance Use and Misuse is an essential and timely resource for counsellors treating individuals dealing with addiction, and for courses across social work, human services counselling, psychology, and mental health and addictions programs. FEATURES: - Now divided into seven sections with 30 chapters to enhance student comprehension and learning - Contains new information on contemporary themes including the opioid crisis, e-cigarettes and vaping, risks and benefits of THC and CBD, principles of good family skills training, sample dialectical behavioural therapy (DBT) activities, and a sample intervention script - Includes an enhanced treatment section with updates on harm reduction, traumainformed care, the transtheoretical model of change, and motivational interviewing
This visual literacy text introduces the application of intuitive intelligence to a visual context. For students in visual literacy & visual communication courses.
Statistics for Research in Psychology offers an intuitive approach to statistics based on estimation for interpreting research in psychology. This innovative text covers topic areas in a traditional sequence but gently shifts the focus to an alternative approach using estimation, emphasizing confidence intervals, effect sizes, and practical significance, with the advantages naturally emerging in the process. Frequent opportunities for practice and step-by-step instructions for using Excel, SPSS, and R in appendices will help readers come away with a better understanding of statistics that will allow them to more effectively evaluate published research and undertake meaningful research of their own.
It's time to move our assessment practices from the 1950s to the century we're living in. It's time to invest in our teachers and local school leaders instead of in more tests. It's time to help all students understand how to unleash their strengths and gain a sense of themselves as learners capable of choosing their own paths to success. In The Perfect Assessment System, Rick Stiggins calls for the ground-up redevelopment of assessment in U.S. education. Speaking from more than 40 years of experience in the field—and speaking for all learners who hope to succeed, the teachers who want them to succeed, and the local school leaders whose aspirations for success have been thwarted by assessment traditions—Stiggins maps out the adjustments in practice and culture necessary to generate both accurate accountability data and the specific evidence of individual mastery that will support sound instructional decision making and better learning in the classroom. He addresses Assessment purpose—how (and why) to clarify the reason for every assessment and the users it will serve. Learning targets to be assessed—how to make sure we focus on the right competencies and set consistent definitions of success. Assessment quality—how to ensure every assessment, at every level, is an excellent one. Communication of assessment results—how to share information in ways that best support diverse purposes. Assessment impact—how to link assessment to truly productive, universal student motivation. We have not yet begun to explore assessment's true potential to enhance both school quality and student well-being. Stiggins kicks off this critical conversation and charts a course for a new system that promises much higher levels of student success at a fraction of our current testing costs. The door is open for assessment reform; here is a bold plan for getting it right.
This book explores tensions between critical social justice and what the author terms white justice as fairness in public commemoration of Minnesota’s US-Dakota War of 1862. First, the book examines a regional white public pedagogy demanding “objectivity” and “balance” in teaching-and-learning activities with the purpose of promoting fairness toward white settlers and the extermination campaign they once carried out against Dakota people. The book then explores the dilemmas this public pedagogy created for a group of majority-white college students co-authoring a traveling museum exhibit on the war during its 2012 sesquicentennial. Through close analyses of interviews, field notes, and course artifacts, this volume unpacks the racial politics that drive white justice as fairness, revealing a myriad of ways this common sense of justice resists critical social justice education, foremost by teaching citizens to suspend moral judgment toward symbolic white ancestors and their role in a history of genocide.
A new field of research in education is emerging known as emotional intelligence. This book showcases the many contributions that emotional intelligence can make to education and to the wellbeing of schools as social communities. This book recognises the changing role of the teacher and acknowledges the new skills and ways of understanding that are required to deliver education in contemporary society and within the context of the ongoing development of the teacher. A number of approaches within the emotional intelligence field are explored in this book so as to enable readers to better understand the diverse needs of the student.
In a splintered bar in Boston, Pinky DeVroom, newspaperman, amateur cynic and would-be-novelist, clutches his sour Prohibition brandy and watches his world get sucked down into the vortex. Hope comes in the form of an astute, comely literary agent named Elfred. But hope can be its own form of hell. Watch game Pinky twist, squirm and waffle while the world wobbles. The Depression and Prohibition's consequences are fundamental to the work, as are the appearances of some real-life figures such as Sylvia Beach of Shakespeare & Company and Alice Hamilton, the pioneering scientist. The effects of lead poisoning, the unfettered joys of the "banana messenger" and the glories of Telechron clocks also have their time in the sun. As do rigorous bartending practices and the perils of owning a hat. But all those tributaries of the story return to Pinky: Through continued tests and failures, through the comradeship of good friends, through his own lacerations and partial healings, will he find fulfillment? Will those friends, a mysterious secret society, and the judicious prodding of the remarkable Doctor Alice Hamilton help him get the girl, the book deal, or at least hang on to his job? Or his hat? Literature has never had a hero named Pinky--but despite literature's measured qualms, this is its greatest chance.
From the creators of the "New York Times best-selling "America 24/7 come two heartwarming and spectacular new books celebrating everyone's favorite pets, cats and dogs. Culled from thousands of images taken all across the country by professional and amateur photographers, each photo and accompanying caption tells a story of the intimate connections we share with our furry friends. As with "America 24/7, readers will be able to create a custom cover featuring their own photograph.
The Holocene spans the 11,500 years since the end of the last Ice Age and has been a period of major global environmental change. However the rate of change has accelerated during the last hundred years, due largely to human impacts and this has led to a growing concern for the future of our environmental resources. Global Change in the Holocene demonstrates how reconstructing the record of past environmental change can provide us with essential knowledge about how our environment works and presents the reader with an informed viewpoint from which to project realistic future scenarios. The book brings together key techniques that are widely used in Holocene research, such as radiocarbon dating, dendrochronology and sediment analysis and offers a comprehensive analysis of various archives of environmental change including instrumental and documentary records, corals, lake sediments, glaciers and ice cores. This reference will be an informative and cutting-edge resource for all researchers in the fields of climate change, environmental science, geography, palaeoecology and archaeology.
Contemporary is not only the first word in the title, but a key descriptor in this book's approach. The first new med-surg book to enter the market in years, Contemporary Medical-Surgical Nursing is a new and exciting text that presents comprehensive nursing care of the medical-surgical client as opposed to simply treating conditions and illnesses. Written with a focus on acute and collaborative care, this text is designed to be relevant and pragmatic in its approach by providing learner-oriented, logically organized information. It addresses key topic areas of clinical care, highlighting contemporary nursing approaches such as health care trends, health costs and benefits, law and ethics and cultural considerations. Contemporary Medical-Surgical Nursing helps bridge the gap from nursing student to professional by providing learners with the knowledge and skills that support today's nursing practice. Available as one comprehensive book or in two volumes.
The text allows for a variety of approaches to teaching, encourages discussion and collaboration among students and with their instructors, allows for the integration of projects into the curriculum, and promotes discovery and active learning. Students using this text will receive solid preparation in mathematics, develop confidence in their math skills and benefit from teaching and learning techniques that really work.
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