Contraception Mandate in ACA Essay Example | Topics and Well Written Essays - 500 words

Contraception Mandate in ACA - Essay Example The policy takes the form of strict guidelines to be observed in relation to the preventive health services that are to be covered mandatorily in the health insurance schemes, while providing the fines for those who fail to adhere to the policy (Friedman, 2014). The major conflict in this policy issue is that; there is a possibility of unending court battles between the federal government and the faith based institutions, which will not relent on their fight against the requirement to cover for the contraceptive and unintended pregnancy prevention or termination costs (Bassett, 2013). Further, there is a possibility of the rise of conflict between the federal government and other employers, who may not easily agree to cover the expenses that some employers, such as the faith-based institutions, are exempted (Tate, 2012). The structures and strategies I seek to explore is how a truce can be reached between the federal government and the employers, to ensure that all the employees are equally covered for all preventive health risks, while also ensuring that the faith-based doctrines and the religious principles held by different religions are not violated. Thus, the study will seek to establish what structures can be applied towards ensuring that the law stipulated is observed, while that the institutions that seek to be exempted are exempted. The personal interest in his issue emanates from the fact that I fall in both the employee category so would want to be afforded the equal health services, while still being a faith-based individual, and thus would like to see the religious principles remain un-violated. Bassett, L. (April 5, 2013). Contraception Mandate Likely Headed To Supreme Court, Experts Say. The Huffington Post.

Financial Modelling and forecasting Essay Example | Topics and Well Written Essays - 1000 words

Financial Modelling and forecasting - Essay Example They are used for propose of measuring the performance of the firm and also to measure hoe stable is a firm financially. They are also used for future planning, determining whether a firm is able to borrow loans and service them, and also evaluating the performance of the firm under different models. Most models are based on sales volume This paper will seek to analyze the financial statement of JB Hi-Fi by use of historical data to predict the future.I will therefore forecast the years 2013, 2014 and 2015 using the year 2012 as my base year. Ratio analysis of relevant sales ratios will be used for the analysis. Financial statement analysis is the use balance sheet and income statement data to come up with values for financial interpretation and identification of the strengths and weaknesses of an organization (Stickney et al., 2006). Various techniques of financial statement analysis are: trend analysis, comparative statements, common size percentages, ratio and fund analysis as well as changes in working capital changes (Libby et al., 2004). For the purpose of analyzing JB Hi-Fi, relevant sales ratio analysis will be undertaken. For a successful financial analysis, comparison has to be made using consistent percentages through the years of analysis. The use of the sales ratios to analyze the years will reveal their similarities, trends, as well as differences in the company (Palepu & Healy, 2007). As Gregory (2008) notes, the stakeholders of the information contained in a financial statement include, potential investors, creditors, managers, shareholders, the government and creditors and they require the information for different reasons. Use of historical data is a major limitation of ratio analysis as it is therefore assumed that it reflects on the future trends whereas no one could be certain of the future (Palepu & Healy, 2007). Resvine et al (2004) explains that another limitation of using financial statements in analysis is that GAAP allows