Personal Finance Concepts Essay Example | Topics and Well Written Essays - 1000 words

Personal Finance Concepts - Essay Example As the report declares a single liability limit on the other hand would not subdivide the coverage that may be claimed in this manner. It will merely specify a total amount that may be claimed towards all the various categories of damages that may occur, including both bodily damage and property damage. The insured amount can be applied towards any category of expense, however the insurer will not pay for a total amount more than that specified. This paper discusses that the amount of personal liability coverage on my policy is not adequate to protect all assets and future income. This is only a token amount that has been allotted since PIP is no longer considered mandatory in most states. It will cover only a few of the incidental expenses that are liable to arise out of an accident. Also, my car is seven years old, yet collision or property damage coverage is required, although the insurance companies pay for damages according to the book value of the car. The amount of deductible will determine the premium and every time a claim is made, the premium increases, so it is worth considering a higher deductible in order to avoid claims. In the case of an older car, it may be less worthwhile paying higher premiums that are good to protect against damages to a brand new car but not in the case of a car that is over seven years old, as in this case. Uninsured motorists coverage is mandatory in most states that require auto liabil ity insurance, in order to allow for expenses that an auto owner may incur through the fault of an uninsured motorist.

Concept of analysis of Compliance Assignment Example | Topics and Well Written Essays - 1750 words

Concept of analysis of Compliance - Assignment Example Nurses can embrace a transactional or interactive process in order to form a client partnership, which allows a client to make choices in decision making about a prescribed behavior. Rationale The purpose of the study is to show the attributes and factors that influence nurses compliance in relation with standard precautions in order to shun occupational exposure to bacteria and pathogens, by using a qualitative research methodology. These are the set of guidelines aimed at protecting nurses from exposure to infectious pathogens since nurses can acquire infection during nursing care provision due to exposure to microorganisms, and this can be through needle sticks or exposure to air-borne transmitted micro-organisms. Compliance is of interest to nursing in order to avoid microorganisms’ exposure. It is a legal obligation for the nurses to adhere to the laid down guidelines in the profession. On hand hygiene, use of hand gloves is a requirement by law to prevent exposure to bod y fluids (Taylor 2006). Nurses should implement every component of standard precaution while conducting a clinical practice and take measures to keep away from exposure to pathogens. All nurses are also obliged to use the necessary means to protect their health by use of face masks and gloves. To prevent vulnerability to diseases, some nurses need to take preventive measures since their immune system is weak thus easy for them to be infected due to regular contact with sick persons. This is aimed at reducing risk of infection since nurses are continuously exposed to pathogens. Several nursing procedures such as giving bed bath require patients contact thus very easy to be infected (Baker & Feder, 1997). The risk is not only to the nurses, but also the individuals they come into contact with, more so the family members. Reason for compliance is to prevent occupation exposure. This can occur in different ways; it can be by direct or indirect transmission, airborne transmission and muc us membrane exposure. In the late seventies, the first preventive legislation was issued to help health care practitioners and protect them from microorganisms (Baker & Feder, 1997). It required nurses to treat each patient potentially infectious. It was revised requiring all nurses to use preventive and protective equipment in every case of exposure anticipated. Compliance creates a practitioner-patient partnership. Research has shown the importance of creating a relation in determining compliance level with prescribed treatment (Taylor, 2006). It describes a shared process, which leads to an agreement between prescriber and patient about the aim of drug treatment and how to achieve them. It enables the patient to participate fully and to influence the outcome ultimately. Information by patients informs the decisions made thus information leaflets are given with medicine supplied to each patient. This makes it essential for patients to discuss any information with the appropriate p ractitioner. Attributes to compliance are important in relation with standard precautions. Effective recommendations for nursing practice should be compatible with values among target groups and less controversial (Kanouse, Kallich & Kahan, 1995). It should not require much change to the already existing routine and have a precise definition, with specific actions and advice in different