On January 1, 2009, Jack Zheng bought a $1 million whole life insurance contract on his life from HRD Life Insurance Co. Answer each of the following questions pertaining to that contract. Note that the dates are highly important. Be sure to name any policy provision that is relevant to your answer.

A. On December 21, 2012, Jack committed suicide. Will HRD Life pay the claim when the beneficiary files it? Why or why not?

B. Jack was murdered by a stranger on December 1, 2012. The insurer discovers that Jack gave false information about his health on his application.

i. What is required for false information to render an insurance contract voidable?

ii. Will Jack’s contract be voidable? Explain why or why not, referencing any relevant policy provisions.

C. When Jack bought his policy he told the agent he was age 22. In fact, he was age 28. If he died in a boat accident on June 3, 2011:

i. Would the insurer pay the death benefit? Explain why or why not?

ii. If the insurer would pay, name and describe the provision that would govern the payment; explain whether the payment would have been the “face value of the policy,” “more than the face value,” or “less than the face value.”

D. On June 1, 2015, Jack left for a cruise to Patagonia. When he returned on August 31, 2015, he found a premium notice stating that the premium on his policy was due on July 1, 2015. Even though the grace period has passed, if Jack has elected to add a certain option to his policy the policy would remain in force until he returned from the cruise. Name and describe that option.

E. When Jack submitted his application, he also tendered a check for the first premium and received an insurability premium receipt. If Jack was hit by a truck and killed the next day, explain whether and under what circumstances the company would pay his beneficiary. Give your legal reasoning as to why or why not.

Privileges & Immunities Equal Protection Discussion/Due Process: Analysis & Conclusion

Privileges & Immunities,/Due Process/Equal Protection Discussion: Analysis & Conclusion

The state of Sand Crabs, facing the southern border of our country, has experienced an increase in crime, and a deterioration of effective policing. Most of the crime increase involves crimes of theft, robbery, burglary. Almost all have been crimes of violence without resulting arrests. Residents and businesses alike have been victimized. It has also been documented that over the years there has been an increase in illegal border crossings. Police have literally been under attack. There has been a 32% increase of officers injured during active crime deployment in the last 18 months. This has resulted in several full disability severances pf female officers. At the same time, the State Police force has experienced increased numbers of civil law suits and federal investigation attributed in a rise in the shooting of criminal suspects by a largely young officer base. Many senior officers claim that these young, limited English speaking officers lack patience when responding to crime scenes and do not understand local culture. Rising temperatures have made out-door patrols a grueling operation.

In response to these conditions, a group of state legislators are developing a bill, which will be introduced into the legislature with full hearing, to increase state police forces. It limits member of the state police force to male citizens of the United States who are over the age of 20 years and who have lived in the state for 12 months.

You are asked, using F-IRAC to review only the Privileges & Immunities/Due Process/Equal Protection Constitutional issues of this proposal.

Post Analysis & Conclusion (labeled separately within one Post)

Select a current, professional journal article that is at least three pages in length. You must write a critical assessment of this article for this assignment.

In preparation, follow the guidelines established below:

Find an article (that is less than five years old) that pertains to the important issues leaders or consultants will face when working with various types of teams, and discuss what methods are best to use for developing better teams for the future. Be sure to annotate the author's main points and thesis statement in your own words.

The critique should be approximately three pages in length (not counting the title and reference pages).

Part I: Introduction
Start the critique with the following information: the author's name, the article title, and the author's thesis statement.

Part II: Summary
Summarize the author's purpose and main points, providing examples for clarity of understanding the author's intended implications. Share key topics that support the author's focus for this article. Provide ample details to enlighten the reader as to what the article is implying for audiences who are seeking research data about team building and/or the different types of teams (e.g., virtual, temporary, traditional, or innovative).

Part III: Review and Evaluate
To critically review the article, ask the following questions:

• What are the credentials/areas of expertise of the author?
• Did the author use appropriate methods to gather the evidence?
• Did the author use accurate evidence?
• Does the author's use and interpretation of this evidence lead the reader to the same conclusion? Did the author build a logical argument?
• Is there other evidence that would support a counterargument?
• Was the author successful in making his/her point?

Part IV: Conclusion
State whether you agree with the author or not. Back up your decisions by stating your reasons. Give a general opinion of the work. Explain what you learned from reading the article and if you would recommend it to a friend/coworker.

Part V: Application
Predict some of the major challenges that teams will face in the future, and explain why the need for teamwork will remain high as it relates to the article. Identify a team-building activity that may be useful for managing teams in the future, and explain why.

Format your paper using APA style.

  Outline five important items (ie. think about 5 w’s (who, what, where, when, why)) you should be including in a meeting agenda for a participatory meeting. You can imagine you are creating a meeting agenda for a community you are a member of, for example, your school, a social or sports club, a team, your family, etc.

give some examples of a leader you know who you suspected had dark side tendencies.

400-500 words

please do not copy and paste from the internet?

Thank you,

For the last 50 weeks, the demand for a product was observed to be as given in the table below. For example, 250 units were demanded for 10 weeks in the span of 50 weeks (not necessarily in one single stretch!). The unit price of the product $500 and normally sells for $750, If the product is not sold during that week, it can be sold at a reduced price of $300 per unit. If it is out of stock, the lost goodwill amounts $150/unit.  

1. Calculate the probabilities for the various demands and find also the cumulative probabilities.
2. What is the appropriate value of ordering quantity? Please explain the steps.
3. If the unit selling price was increased to $900, how would your answer in part ‘b’ change?

Again, look back on everything that is known about Bill’s, and the situations that Patrick faced. Please answer questions (a) and (b) Before you read the epilog, then answer questions (c) and (d) After reading the epilog.

1. Before epilog: Based upon the previous case discussions and everything you’ve learned in this course, what level(s) of OB are most in need of change. Why?  
2. Before epilog: What recommendations for organizational change do you think would be most appropriate and why?
3. After epilog: What is your initial reaction to the epilog?
4. After epilog: In looking at what Patrick has done, how would have you responded similarly? Differently? How and why?

Epilog:

This case actually took place between mid-2011 and early 2012. While some of the details have been changed or modified, much of the case is very real. Patrick is a real person, and made some real decisions; some of them good, some not-so-good. Here is what Patrick actually did:

1. Patrick fired Troy, put in new maintenance manager (Jamaal) with positive attitude. He put 2 new layers of hierarchy into the maintenance department to give maintenance employees more room for growth/promotion as well as more oversight. He also created a very specific set of goals for the maintenance department that were linked to the goals of the organization. Maintenance employees’ raises were dependent upon reaching those goals. Within a week of replacing Troy with Jamaal and developing the new goals, overall machine downtime was reduced by 28%, and further reduced by 51% within a month.

2. Patrick closed all 3 R&D facilities and moved willing employees to a location in a leased space 2 miles away (he wanted R&D to be inside of the factory, but there was not enough space to house them). While the overall result was positive and it reduced communication problems, they lost several design engineers in the process (those who were not willing to move to a new location) and thus lost a great deal of company knowledge. But, the financial cost savings were significant and immediate.
3. The hourly employees were really angry—they felt that every time they began to work harder (overtime on Sunday, following Patrick’s new machine attendance rules) they were “rewarded” by losing their jobs and/or their overtime. Because the plant paid lower wages than many others in the area, compensation was a constant issue. Patrick could not offer a pay raise, but did promise that in the future when productivity increased, he would NOT do a lay-off or other means of reducing head-count of wages. He also offered one more break per day, so long as the breaks were taken at staggered times, so that all machines could continue to run. This was how the walk-out was averted.
4. Patrick fired two key supervisors who had been known to be especially difficult to work with, and replaced them with known leaders at the hourly level.
5. Patrick had supervisors attempt to place people back on work schedules that better matched their original work schedule (to ease the burden of the lay-off on their personal lives).
6. Patrick started requiring full safety gear for all employees—no exceptions.
7. Patrick implemented a maintenance program that included hourly employees doing some of the preventive maintenance on equipment themselves. This change required a significant investment in training, and broadened the responsibilities or hourly employees (job design/enhancement!). It also reduced the burden on the maintenance department to do all machine maintenance.
8. Patrick instituted monthly town hall meetings in which he discussed a general overview of the financials of the company with all employees. In order to accommodate all shifts, he performed 3 town hall meetings on the same day; one for each shift. He performed them himself, in an effort to have more direct communications with hourly employees.
9. Bill is still not making contact, but all of his duties have been reassigned so as to reduce the impact of his absence on the organization. There is little that Patrick can do about that situation.

Bills Grills Update as of July 2017:

Between 2013 and 2017, several important changes were implanted at Bill’s. First, the company divested the high-production, low-end (and low-margin) part of the business, keeping its high-end and special order business (i.e. it divested the cheap-grill portion of the business). This change is both good and bad—it has been exceedingly helpful due to the strong economy, but may put Bill’s at risk if another economic downturn is to take place (it is harder to sell at $10,000 grill in a down economy). This divestiture brought interesting changes: employees of the smaller, high-end and special order site became more engaged and morale improved. In addition, turnover among production employees was reduced. Any idea why?

In addition to the divestiture, there has been major turn-over in management. Patrick moved on from Bill’s, making Jose the plant manager. Janet has also moved on. Upon the divestiture, the R&D department was also downsized. While they had become somewhat more integrated into the culture of the company after the move to Texas, members of the R&D group never truly integrated into the rest of the organization. Several R&D engineers have been replaced with customer quality engineers—what do you think this signifies? Do you think it is a good choice, given the situation and what does it say about the company’s culture?  

Finally, on-time delivery continues to be an issue at Bill’s. While the divestiture reduced the need for high-speed manufacturing, the push toward custom manufacturing has created some problems, as lead-times and parts inventory have necessarily increased (it takes longer to build custom and you need a lot more diverse set of parts and raw materials). The increase in inventory cost has not had a good deal of impact on the company, however in the future it may. But, the lead-time issues have led to conflict between supervisors and production managers. These remain unresolved.  

Bill’s is finally making a solid profit.

18. Which pricing orientation is most favored by marketers?

A. profit-oriented

B. market-oriented

C. demand-oriented

D. competition-oriented

E. cost-oriented

19. Which of the following is a pricing objective?

A. shrinkage

B. survival

C. standardization

D. shelter

E. SWOT analysis

20. A form of communication management that seeks to influence the feelings, opinions, or beliefs held by customers, prospective customers, stockholders, suppliers, employees, and other publics about a company and its products or services is referred to as __________.
A. sales promotion
B. publicity
C. advertising
D. public relations
E. personal selling

30. Channel conflict is most likely to happen in:

A. vertical marketing systems
B. traditional channels of distribution
C. the offices of agents and brokers
D. areas with several local television stations
E. small town Wal Mart stores

31. A pull strategy:

A. involves the manufacturer directing advertising and sale promotions to consumers to encourage them to ask retailers for the product.

B. assures current users they made the right choice.
C. involves manufacturers directing the promotional mix to channel members to encourage them to order and stock the product; personal selling and sales promotions with intermediaries are important.

D. tells people what a product is, what it can do, and where it can be found.
E. shows one brand's strengths relative to those of competitors.

32. Which governmental agency enforces laws/rules pertaining to the “fairness” of advertising as well as false/misleading advertising?

A. Department of Justice
B. Food and Drug Administration
C. National Advertising Federation
D. Federal Environmental Protection Administration
E. Federal Trade Commission

Reflective Question # 2:
The Lebanese government is trying to increase its wealth; it will be using trade barriers to protect
its industries from global competition. The main exported commodities are jewelry,
miscellaneous consumer goods, fruit and vegetables, tobacco, construction minerals, and paper.
Lebanon mainly imports oil, electrical equipment, precious stones, metals, chemical products,
base metals, vehicles, food and beverages, vegetable products and animal products. Most of
Lebanon imports are mainly from China, Italy and Egypt. The only country that Lebanon does
not trade with is “Israel” because they are an occupied country and abuse human rights.
1- What are the barriers that Lebanon would consider to put upon the importing of vegetables
products? What about the barriers imposed on “Israel?
2- In order to make the Lebanese product more competitive compared with overseas firms, what
are the measurements that the government must take?

what responsibility should the manufacturer of toxic chemicals have for harmful effects that they have years after their initial manufacture and sale?should manufacturers have foreseen such harms?

Conduct research, and share examples of the methods today’s Human Resources Departments are able to train and develop its people.

Lisa is 16 years old. She owns a parcel of waterfront land that she inherited from her father who died in 2015. The land overlooks Tracadie Bay in Prince Edward Island and has direct access to a beach. The land is undeveloped. It is comprised of 5.6 acres in area and has 240 feet along the shore of Tracadie Bay. Lisa mows the grass on the property regularly during the summer but has no immediate plans to do anything with the land. Reece is an actress from Los Angeles, California, USA. She is a non-resident of Prince Edward Island but has been vacationing in Prince Edward Island every summer for the past 8 years. She wants to acquire waterfront land in Prince Edward Island and build a summer home. She is very interested in acquiring the land from Lisa. Reece is willing to pay as much as $200,000 Cdn for Lisa's land, however, she decides that she will try to get the best price she can. On July 15, 2020, Reece offers to buy Lisa's land, for $95,000 Cdn. She tells her that she will pay these funds to Lisa in cash on September 30, 2020. Lisa is extremely happy with the offer and accepts it. She shakes Reece's hand. Nothing is put in writing. Reece has not applied for any financing, as she will use her cash to pay Lisa. She also commits nothing to write, assuming that she will get a Deed for the land from Lisa at the end of September when she pays her the purchase price. She has also not considered whether she needs any permits or approvals for acquiring the land. The following day Reece hires a contractor, Chris Smith Construction, to begin building a foundation for what will be her cottage. She enters into a written contract with the contractor to build her house for $350,000 Cdn. Reece does not yet have a Deed for the property. The contractor installs a concrete foundation. The contractor plans to complete building the cottage during the next few months. The contractor issues a progress bill to Christine on August 30, 2020 for $28,000 for the foundation. On September 1, 2020, Lisa advises Reece that she discussed the purchase price with a real estate agent and feels that $95,000 is not enough money. Lisa tells Reece that she wants $180,000 for the land. Otherwise, they have no deal. Reece refuses to pay $180,000 for the land. She also refuses to pay the contractor's progress bill because she does not want to pay for something that is on land she is not able to buy. Discuss the potential legal issues that may arise in this fact pattern. Indicate whether there is any further information that you need to identify the legal issues.

It’s critical to understand all the factors that make a customer a good candidate to buy your product. First take a look at this product, the new iPhone X, cost: $1,000.

Now, try to figure out who the IDEAL customer is for this product. Assess as many different factors as you can think of. Who are they? You can evaluate all of the following: race, gender, education level, income level, where do they live (urban vs rural), what motivates them? How many kids do you think they have? Figure out the perfect customer and tell me why these factors might influence them to buy the iPhone Xs.

Next, come up with a brief marketing pitch 2-3 sentences trying to persuade the target customer this phone is perfect for him/her. Then discuss why you think this marketing message is the correct message for your specified target market in the above bullet.

What are the three types of Strategic Alliances?

What are the advantages/disadvantages of each?