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Topic Review
Medical Underwriting
Medical underwriting is a health insurance term referring to the use of medical or health information in the evaluation of an applicant for coverage, typically for life or health insurance. As part of the underwriting process, an individual's health information may be used in making two decisions: whether to offer or deny coverage and what premium rate to set for the policy. The two most common methods of medical underwriting are known as moratorium underwriting, a relatively simple process, and full medical underwriting, a more indepth analysis of a client's health information. The use of medical underwriting may be restricted by law in certain insurance markets. If allowed, the criteria used should be objective, clearly related to the likely cost of providing coverage, practical to administer, consistent with applicable law, and designed to protect the long-term viability of the insurance system. It is the process in which an underwriter considers the health conditions of the person who is applying for the insurance, keeping in mind certain factors like health condition, age, nature of work, and geographical zone. After looking at all the factors, an underwriter suggests whether a policy should be given to the person and at what price, or premium.
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  • 18 Nov 2022
Biography
Serguei Beloussov
Serg Bell (Russian: Сергей Михайлович Белоусов; born August 2, 1971) is a Singaporean businessman, entrepreneur, investor and speaker, co-founder, CEO and chair of the board of Acronis, a global data protection company, and is the senior founding partner of Runa Capital, a technology investment firm.[1] He is also executive chairman of the board and chief architect of Par
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  • 18 Nov 2022
Topic Review
Scientist.com
Scientist.com (formerly known as Assay Depot) is a network of public and private e-commerce marketplaces that connect buyers and sellers of scientific research services. The company was founded in 2007 by Kevin Lustig, Chris Petersen and Andrew Martin and launched its first public research marketplace in September 2008.
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Topic Review
August 2013 NASDAQ Flash Freeze
For three hours on August 22, 2013, trading was halted on the Nasdaq Stock Market. Trading on the exchange stopped at 12:14pm and resumed at 3:25pm, with 35 minutes left of trading for the day. One week after the trading halt NASDAQ OMX credited the freeze to an overloading of the Securities Information Processor (SIP) caused by reconnection issues with the New York Stock Exchange Arca. The freeze received substantial media coverage and generated discussions on the security of increasingly technologically advanced stock exchanges. The event coined the term "flash freeze" following the earlier "flash crash" on May 6, 2010. Throughout the freeze the Nasdaq composite remained at 3631.17. Following the reopening of the market it rose, closing at 3,638.71, 1.1% higher. Shares of the Nasdaq exchange closed 3.42% down following the freeze.
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Topic Review
Public-Sector Project Procurement and the Supply Chain
Procurement and supply chain management challenges of public sector agricultural development projects are crucial (not only for the project’s success but also for sustainable agricultural development. In general, projects can be categorized into three categories: natural resource issues, market issues, and policy issues. The purpose of the project herein is to boost agricultural productivity and return on investment. Furthermore, the projects make substantial contributions to effective agricultural development, which is crucial, not just for economic development but also for food security, the environment, and agricultural sustainability. Effective agricultural development is a key part of maintaining sustainable supply chain management of agricultural commodities, which would help reduce system waste.
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Topic Review
Agility in Supply Chains
The influence of the rapidly changing business environment due to the COVID-19 global pandemic presents an important organizational challenge to fresh produce export supply chains in developing countries such as Ghana. Such an inimical supply chain problem highlights the relevance of supply chain agility as a potent methodological framework to measure, monitor and evaluate these challenges in stable as well as turbulent times.
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Topic Review
Wage Growth
Wage growth (real wage growth) is a rise of wage adjusted for inflations, often expressed in percentage. In macroeconomics, wage growth is one of the main indications to measure economic growth for a long-term since it reflects the consumer's purchasing power in the economy as well as the level of living standards. An increase in wage growth implies price inflation in the economy while a low wage growth indicates deflation that needs artificial interferences such as through fiscal policies by federal/state government. Minimum wage law is often introduced to increase wage growth by stimulating price inflations from corresponding purchasing powers in the economy. Wage growth can also be maximised through the development of industry factors by investing skilled workers in which decision made by businesses. More financial compensation for skilled workers not only lifts wage growth but stimulates higher market prices in the economy. While a weak productivity influences a low wage growth, identified a long-term factor, a short-term problem for low wage growth is often identified as the spare capacity in the labour market. By the lower unemployment rate given by the more opportunities from the spare capacity in the labour market creates less competitiveness amongst the labours, which reduces wage growth. In order to achieve consistent strong wage growth and sustainable economic growth, high productivity is the key determinant. Higher labour productivity (measured by GDP per worker) stimulates price inflations in resulting in a rise in real wage growth. One of the major factors for the recent sluggish wage growth in advanced countries is caused by their lower labour productivities.
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  • 17 Nov 2022
Topic Review
Computer Reservation System
A computer reservation system or central reservation system (CRS) is a computerized system used to store and retrieve information and conduct transactions related to air travel, hotels, car rental, or other activities. Originally designed and operated by airlines, CRSs were later extended for the use of travel agencies. Global distribution systems (GDS) book and sell tickets for multiple airlines. Most airlines have outsourced their CRSs to GDS companies, which also enable consumer access through Internet gateways. Modern GDS's typically allow users to book hotel rooms, rental cars, airline tickets as well as other activities and tours. They also provide access to railway reservations and bus reservations in some markets, although these are not always integrated with the main system. These are also used to relay computerized information for users in the hotel industry, making reservation and ensuring that the hotel is not overbooked. Airline reservations systems may be integrated into a larger passenger service system, which also includes an airline inventory system and a departure control system.
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Topic Review
Club Nintendo
Club Nintendo is a discontinued customer loyalty program provided by Nintendo. The loyalty program was free to join and provided rewards in exchange for consumer feedback and loyalty to purchasing official Nintendo products. Members of Club Nintendo earned credits or "coins" by submitting codes found on Nintendo products and systems, which could be traded in for special edition items only available on Club Nintendo. Rewards included objects such as playing cards, tote bags, controllers, downloadable content, and warranty extensions on select Nintendo products. On January 20, 2015, it was announced that Club Nintendo would be discontinued in North America on June 30, 2015, and in Europe and Japan on September 30, 2015, due to an upcoming new loyalty program. Flipnote Studio 3D later became available to all North American Club Nintendo members for free for a limited time, and users who signed up to the European version of the new loyalty program during the launch period received Flipnote Studio 3D for free. On March 17, 2015, after suddenly announcing their business partnership venture with DeNA, Nintendo stated that they were working with them on a new, cross-platform membership service called My Nintendo to supersede Club Nintendo for the Wii U, Nintendo 3DS , and Nintendo Switch, alongside other devices such as tablets, smartphones and PCs. It was initially launched in Japan on March 17, 2016, alongside Nintendo's first mobile title, Miitomo.
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Topic Review
Independent Contractor
An independent contractor is a person, business, or corporation that provides goods or services under a written contract or a verbal agreement. Unlike employees, independent contractors do not work regularly for an employer but work as required, when they may be subject to law of agency. Independent contractors are usually paid on a freelance basis. Contractors often work through a limited company or franchise, which they themselves own, or may work through an umbrella company. In the United States, any company or organization engaged in a trade or business that pays more than $600 to an independent contractor in one year is required to report this to the Internal Revenue Service (IRS) as well as to the contractor, using Form 1099-MISC. This form is merely a report of the money paid; independent contractors do not have income taxes withheld like regular employees.
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