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What role has technology had in order processing? What are some of the key technology elements that you see in your daily shopping Answer

What role has technology had in order processing? What are some of the key technology elements that you see in your daily shopping? What do you think will be the next big technology development in order processing?

 

Automation of the order processing function offers significant advantages to the firm. Technology helps to improve the customer service performance because orders can be handled much faster and with fewer errors. This way, order cycle time can be reduced and this leads to minimization of safety stock for the customer. Employees become computer savvy and they can also share information with item availability, shipping dates, and credit availability. Cash flow can often be accelerated because of the system’s ability to generate customer invoices on the same day as the shipment is made. Finally, there are fewer billing errors and clerical mistakes. The increased use of vendor quality-control programs necessitates higher levels of customer service. Many firms have started doing the computer-assisted analysis to identify vendors who consistently give either good or bad levels of service. In the past, with manual systems, repeated and serious customer service errors occurred before a vendor’s activities were singled out for corrective action. Today, these factors are automatically programmed into computers, and companies are able to closely monitor the quality of service they receive from each vendor.

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Why were HMOs formed? How has the relationship between the government and HMOs changed over the past 7 years Answer

Why were HMOs formed? How has the relationship between the government and HMOs changed over the past 7 years?

A combination of legal, regulatory, and market forces have always driven change in managed health care.   Beware.   HMOs did NOT start in the 1980’s. The history of HMOs is long and full of insightful information about how insurance has evolved. Sometimes we have to look at where we been before we complain about the future.

Why were HMOs formed? How has the relationship between the government and HMOs changed over the past 7 years?

“The formation of the HMO plans reflected not consumers’ demanding coverage or nonphysician entrepreneurs seeking to establish a business but rather providers’ wanting to protect and enhance patient revenues.

HMOs first appeared in the 1920s and 1930s as collectives to offer groups of workers affordable health care insurance. They quickly became popular during the Great Depression with both workers and employers. Offering health insurance to workers as a part of compensation packages became attractive to employers. HMOs grew in popularity in post-war United States as the baby boom began.

Read more: HMO History & Information | eHow.com http://www.ehow.com/about_6578577_hmo-history-information.html#ixzz2MVyPwXdz

HMO’S were formed because the consumers demand of coverage were increasing and out of need to curb spiraling costs and they formed profits centers. Also, many businessmen did not want to deal with the lengthy administrative part of the healthcare so why not establish a healthcare gatekeeper.

http://batr.org/twins/id7.html

The relationship between the government and HMO’s changed over the past 7 years because the rapid growth in managed care and the government efforts of getting involved has changed the relationship. There are different types of providers and the arrangements between hospitals and physicians have changed the competition which involves the competition of Hmo’s and PPO’s. Also, the government efforts to reduce the growing health care expenditures have caused the changes of the health care markets. Also, due to the competitive effects of regulatory changes by Health care financing administration have changed hmo over several years.

http://www.ei.com/healthcare.php

 

 

Health-Maintenance Organizations is a type of health insurance. They were formed to manage care better and to keep costs down. Some of the ways in which an HMO contains costs are to have patients pay some portion of the bill (deductible, premium, or copay), require the use of primary care providers for referrals (as gatekeepers), and provide a network of providers that the HMO contracts for better prices on. When patients see their in network providers, they pay less. All of these methods help to contain costs and manage the growing use of healthcare. The government has put in place many regulations to ensure that minimum benefits are offered and to regulate the providers as well as the insurance companies and set standards that these industries must abide by.

Sometimes it is difficult to start the discussion off with HMOs due to many reasons. However, many of you have included in your post that HMOs and the earlier versions were really focused on keeping the costs down and are not the same HMOs of today. They were established at least in part by consumer demand. For example, Group Health Cooperative of Puget Sound, legally structured to this day as a consumer cooperative, was organized by consumers. However, it is an exception, and the origins of individual HMOs are highly varied. For example:

  • The Kaiser Foundation Health Plans and the Health Insurance Plan of Greater New York were formed at the behest of employers. In the case of Kaiser, the motivation was to provide medical care in an otherwise underserved area where the Kaiser construction company was building the Grand Cooley Dam.
  • The Group Health Association in Washington, DC, was formed at the behest of the Home Owners Loan Cooperative, which sought to reduce the number of mortgage defaults.
  • Many of the early independent practice association type of plans were formed by community physicians seeking to protect revenue sources in the face of competition from Kaiser and other staff or group model HMOs.

HMO has changed over the years and plays a major role in the healthcare industry. HMO advantages are low premiums and most of the doctors are usually in the network. Also, there are different Medicare plan used through Hmo or PPO. I believe with the HMO plan medicare medicine is a lot lower than the PPO plan as per a article I was reviewing below. Also, it appears not if one has Medicare coverage you have a choice of HMO or PPO service providers.

http://www.medicare.gov/sign-up-change-plans/decide-how-to-get-medicare/decide-how-to-get-your-medicare.html

HMOs does have the advantage of lower premiums but more people are joining PPO for the flexibility and the option of choice. In this economy, why do you think people are willing to pay more for a PPO?

 

 

I think that people are willing to pay more for what they felt is quality health care. An article on the website insurance.com helps to explain some of the differences between the HMO and PPO. The article states ” PPO health insurance will cover some – but not all – of the cost of care administered by out-of-network providers. If you select a PPO, you will have low co-payments as long as you see in-network physicians. Another advantage of PPO insurance is that unlike an HMO, you do not need a primary care physician’s permission to see a specialist (as long as the specialist is in network).”

So if there is an ‘out-of-network’ specialist known for having great outcomes with his/her patients, then some one with PPO insurance could see this specialist without the hassall of getting referral from their primary. This flexibility means a lot because most people will pay the necessary charges if they have a serious health concern.

http://www.insurance.com/health-insurance/faq/hmo-vs-ppo.aspx

Many people are willing to pay higher costs for a PPO because they just provide more freedom to patiens, particularly when they need to see a specialist and know they are able to choose one of their choice. For example, the textbook states that “a PPO offered by a BC/BS plan provides a degree of network coverage even if the member does not go to a PPO-contracted provider” (Kongstvedt, p.23).   So this is why PPO’s market better than HMO’s. The modern market presents people who enjoy variety and the freedom to choose from that variety. PPO offers that option for them. People are putting health high no the priority list and are willing to pay more to be able to have the flexibility of to see the specialist of your choice. You can have a primary care doctor in a PPO, but you do not have to. You can go to a specialist and get other services without seeing a primary care doctor first. People know there will be a differential for going outside of the network, but spending a little more to see the physician of preference is palatable since that is a very personal choice. I think many people do not like the confines of a limited group of providers, but if the network offering is large, then members feel better about having choices. I know that I prefer to have the flexibility to see which physician I would like to see, but have experienced where some of my physicians were not in my network. However, in two cases I switched and in the other I pay the differential, but I will be looking to switch that one as well.   The crazy cost of healthcare does drive people to see the physicians listed as in-network; otherwise you end up with some really big medical bills for some basic services, much less the big ones. They are willing to pay more the PPO because it provides a better variety of doctors to choose from and they do not have to risk not being able to get the right doctor or specialist for the specific patient needs. Also, the many other healthcare services that they offer like more professional care and does not limit the patient care.

HMO’s were formed to protect funds from being spent on unnecessary care that could have been provided by a patients primary care physician. Often times patients were going to see specialist and insurance companies were being billed with outrageous charges. HMO created a “GateKeeper” to control if they patient really and truly needed to see a specialist by providing a referral to the patient in order to insure cost remained minimum in billing the insurance company. This method was suppose to help control the cost of future insurance premiums by managing health care visits.

But when we look at a hospital bill we have to realize that there are many organizations that benefit from your stay. The durable medical equipment companies, the pharma or drug companies, medical informatics (IT), staff, utility companies,etc. These services may not charge as much as they do in other countries—therefore, our bills can be inflated. Kaiser is a little different because they own the brick and mortar and the insurance.   Just think about the cost of these services in other countries?

Most other countries charge less for the exact same service (with the same or better care and service)- how is that? In a book a just read it said that the United States has to incoorporate the costs of all the law suits, etc. in their price. There are pros and cons for everything but you are most likely not going to sue your hospital or physician in Germany as you will get nothing out of it. My aunt had a surgery 20 some years ago to remove her appendix. A year ago she had horrible pain in her lower abdomen and as she had the surgery for the appendix already so they tested for a lot of other stuff before they finally tested for the appendix again. As it turned out they didn’t remove the appendix the first time…I am sure she could have sued if she lived in the States. It wasn’t even a thought on her mind as it is not practice there…..

A big difference a saw in the bill I was talking about earlier were the charges per day for a hospital stay and the physician services. How come a Doctor charges 20 times as much for the same service here than they do in other countries?

In many countries the prices that these companies can charge is regulated by the government. At least in countries that have universal healthcare or a single payer system. The government bargains with those companies and sets the rates that they will pay for those services offered. Now if that company happens to be an international company like a drug company, they will then turn around and charge other countries like the US, where the government doesn’t bargain for deep discounts more, to make up for what they are losing from the other countries. That’s why Canadian drugs are so much cheaper than those purchased in the US. It’s been said that the US government should do the same for Medicare, the VA and Medicaid and we would save billions just on drug prices alone. But we love capitalism here and that doesn’t pass Congress, no matter how much money it would save these programs or the people in them.

It is amazing how the costs for health care have climbed so high that a person with a decent job needing individual insurance would not be able to pay for it. This is a social responsibility that we expect of our country’s citizens in order to take care of one’s own healthcare issues rather than having other people pay for them through taxes. However, you can see why people need to use Medicaid when low income jobs, without benefits, would make it impossible for them to afford decent insurance. The difference is that many other nations have a single payer system or like Japan, the government sets the prices. I personally think that if things were left to the market, it would be a “wild, wild west” type situation and many people wouldn’t be able to afford insurance even in group plans; more people would lose their insurance when they needed it most. There would be no way to appeal decisions and it would be a more corporate mindset instead of one geared towards healthcare. It was getting that way before prices starting getting to a point that people had to take a step back

Disadvantages of HMO, when compared to a traditional health insurance policy, include the requirement for the patient to abandon his/her previous primary care provider and being assigned to a new one approved by the HMO. This may not work in favor of the patient if he/she was comfortable with the previous physician. Another disadvantage of the HMO is the need for a referral in order to see a specialist. This can be problematic and difficult to obtain “if the doctor is more interested in the bottom line and less in the welfare of the patient.” (Wisegeek)

http://www.wisegeek.com/what-are-the-advantages-and-disadvantages-of-hmo-care.htm

Medicaid HMOs vary from state to state. It is generally state that dicates the services for Medicaid and many states are moving towards an HMO plan to reduce the cost. On the other hand, physicians and physician practice groups are looking at the payment and would rather not accept to help with the insurance payer mix than accept and lose cash flow. It’s difficult but each state and physician practice has it own reasons to why or why not accept an insurance policy.

Managed care integrates the following components into its overall patient-care philosophy: wellness and prevention, primary-care orientation, and utilization management. Select one component, and provide an example.

Prevention plays an important role in managed care because providing effective preventive options could help reduce the likeness of costly medical treatments. The patient’s overall health also benefits from having access to preventive measures such as immunizations, health screenings, and patient education. Prevention is a win-win component because all stakeholders could benefit from having a healthier community.

Here is a good study that talks about the cost effectiveness of preventive services:

http://www.cms.gov/Research-Statistics-Data-and-Systems/Research/HealthCareFinancingReview/downloads/99summerpg25.pdf

Prevention and wellness are components of the Affordable Care Act which makes prevention affordable for all Americans through elimination of cost sharing or preventive service, Medicare services for seniors, grants for chronic disease, established the National Preventative Strategy, establish wellness programs for small employers, and provide resource to the States to promote wellness and prevention. ACA is composed of 17 federal agencies and some executive agencies at the federal level coordination and leadership. There are seven priorities under this group which are: tobacco free living, preventing drug abuse and excessive alcohol use, healthy eating, active living, injury and violence free living, reproductive and sexual health, and mental and emotional well-being.

http://www.samhsa.gov/healthreform/prevention.aspx

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Define affirmative action? Which employers are subject to affirmative action laws Answer

Define affirmative action? Which employers are subject to affirmative action laws? What potential affect does affirmative action have on employees and the workplace? Define affirmative action.

Affirmative Action (AA) is intended to keep discrimination from entering in a workplace based on the findings of their previous exclusions. Most AA is related to individuals displaying negativity to minorities and women in a workplace. There are misconceptions about what AA is, such as thinking AA keeps businesses from hiring white males, some think AA forces employers to hire unqualified individuals, leading to negative productivity, or employers have quotas they must hire. AA involves employers hiring qualified minorities and women to make the workplace more balanced (Bennett, Alexander & Hartman, 2007, chapter 4, p. 183-184). According to (Bennett-Alexander & Hartman, 2007, p. 179) affirmative action is “Intentional inclusion of women and minorities in the workplace based on a finding of their previous exclusion.” Affirmative action is when employers agree to hire qualified minorities and women to do the job. This will allow the workplace to be more reflective of the population that it draws from.

 

  1. Which employers are subject to AA laws?

Affirmative action is a component of Title VII. It is a requirement imposed by Executive Order 11246 and its amendments (Bennett, Alexander & Hartman, 2007, chapter 4, p. 188). Employers, who are under this order, are federal contractors. The order was imposed by The Office of Federal Contract Compliance Program (OFCCP) for employers who take part in federal government contracts and not containing provisions for lawsuits by employees. Businesses that contract with the federal government, providing goods and services of $10,000 or more are obligated to comply with the executive order (Bennett, Alexander & Hartman, 2007, chapter 4, p. 188). When contract employees of 50 or more and a non-construction contracts of $50,000 or more, are made the requirement of a written affirmation action plan must be within 120 days of the start date (Bennett, Alexander & Hartman, 2007, chapter 4, p. 188).

Not all employers are subject to affirmative action. It applies to employers that have over 50 employers and that have government contracts worth $50,000 or more. The government wants to make sure that employers that they have contracts with do not discriminate against race, or sex. They see it as if the government will [provide them with a service they will have to sign a voluntary contract agreeing to affirmative action. In my opinion this is fair.

 

  1. What potential affect does affirmation action have on employees and the workplace?

The potential effect of AA in the workplace allows more diversity with employees working in groups or teams, allowing greater abilities, talents, and ideas. It is the responsibility of the employer to make sure these employees are able to demonstrate his or her abilities. If it wasn’t for affirmation action, I do not think there would be the women in management as there is today. Women would not be accepted as having the ability to take on management positions. A woman would not have the power some have in our country, such as Hilary Clinton, we would not have a black president because of the discrimination there was in our country. We are all equal and deserve to achieve our dreams. Honestly I don’t see affirmative action having a negative affect on employees in the workplace but I do see a positive affect. Again, this provides a more diverse workplace and allows other employees to work with people of other races and women that are very well qualified for the position they were hired.

Reference

Bennett-Alexander, D.D., & Hartman, L.P. (2007). Employment law for business (5th ed.). New York, NY: McGraw-Hill/Irwin.

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Which has more cost risk to the seller, a fixed-price contract or a cost-reimbursable contract Answer

Which has more cost risk to the seller, a fixed-price contract or a cost-reimbursable contract? Why? How might that risk be mitigated?

Ans:

Fixed price contract is the one in which the seller receives a lump sum from the buyer for the goods or services being procured. The buyer agrees on the price with seller and regardless of the effort and time put by the seller in the project, the buyer makes the payment of the agreed amount. The seller can maximize his profit by ensuring that the costs of the project are minimized. This type of contract pricing is used when the seller is not comfortable with the fixed pricing because of ill-defined scope of services and there are several uncertainties in the project. Fixed price contract is appropriate when the buyer has defined the cope completely and the seller knows exactly what and how much of the work is to be performed. There are no uncertainties and both seller and buyer are able to track and budget the project appropriately. The risk in this type of contract pricing is minimized to both the parties. In the cost reimbursable, buyer pays the seller for the seller’s actual costs plus a fee, which represents the seller’s profit. Cost Reimbursable is appropriate when the scope is not well defined. The risk is high for seller in the Cost Reimbursable as the incentive and profit can suffer if work is not completed in the defined time. This risk can be reduced by carrying out well detailed specifications (SOW). Also, the seller can reduce the project risk by properly monitoring the project activities and highlighting all the risks and coming out with the mitigation plan.

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Compose a 500- to 750-word paper responding to questions 1 and 2 of the Candela Corporation Case on p. 146 Answer

ACC 230 Summary of Analysis of Candela Corporation Answer

Assignment: Candela Corporation Case

Resource:Ch. 4 of Understanding Financial Statements

Compose a 500- to 750-word paper responding to questions 1 and 2 of the Candela Corporation Case on p. 146 (Ch. 4).

Format your paper according to APA standards.

Postyour paper as an attachment.

 

Summary of Analysis

Candela Corporation is a 34-year old company leading and specializing in the development and commercializing of advanced aesthetic laser systems for doctors and personal care experts offering treatments in an array of medical and cosmetic conditions, such as, Vascular lesion of rosacea, facial spider veins, leg veins, scars, stretch marks, warts, port wine stains and hemangiomas, hair removal, removal of benign pigmented lesions such as age spots, freckles and tattoos, skin rejuvenation and wrinkles, acne and acne scars, psoriasis, and other skin treatments.

Candela Corp’s dedication to developing the safest, affordable, and most effective laser systems and applications has afforded Candela Corp the opportunity to corner their respective markets in the industry. Since 1980, Candela Corp has developed laser technology and medical applications and sold approximately 7,000 units to over 60 different countries.   “Last year alone, Americans spent an estimated $8.3 billion on cosmetics procedures (Fraser & Ormiston, 2007).

 

Candela Corporation and Subsidiaries has supplied their consolidated statements of cash flows for the periods ending July 3, 2004, June 28, 2003, and June 29, 2002. Using this information, we will conduct a two (2) part study, whereas, in part one (1), we will prepare a summary analysis and analyze the cash flows, and part two (2) explains information gained not found directly on the balance sheets and income statements.

Part 1

In the year ending 2004, we notice the operating activities of $1,132 in the statement of cash flows are very low compared to the net income of $8,119. This may be due to the increases and decreases of the following operating accounts. The amounts of $7,663 in accounts receivable and an increase of $ 2,550 in other current assets, along with the decrease of $1,312 in the income tax payable account. Presented in the statement of cash flows, it appears the inflows and outflows of cash from operations and financing activities was provided (used) to increase the account of purchases of property, plant and equipment.

 

In the year ending 2003, we notice the operating activities of $11,655 in the statement of cash flows are very high compared to the net income of $6,814. This may be due to the increases and decrease of the following operating accounts: the adjustments to reconcile the net income (loss) to net cash provided (used for) operating activities and the changes in assets and liabilities. There was an increase of $1,013 in the loss from discontinued operations account, an increase of $1,622 in the accrued payroll and related expenses account, and an increase of $4,168 in the income tax payable account. Presented in the statement of cash flows, it appears the inflows and outflows of cash from operations and financing activities were provided (used) to increase the account of purchases of property, plant, and equipment, the principal payments of long-term debt, the net borrowings (repayments) on line of credit, and the cash accounts.

 

In the year ending 2002, we notice the negative net loss from the operating activities of ($7,071) is considerably high compared to the negative net income (loss) of ($2,154). This may be due to the increases and decreases of the following operating accounts: the accounts receivable, inventories, and accounts payable. There was an increase of ($3,525) in the accounts receivable and an increase of ($1,661) in the inventories account. However, there was a decrease of (3,069) in the accounts payable account. Presented in the statement of cash flows, it appears the inflows and outflows of cash from operations and financing activities were provided (used) to increase the account of purchases of property, plants, and equipment and the repurchases of treasury stock, in contrast, the cash and cash equivalents accounts were decreased.

 

Part 2

Some information we gain (not directly from the balance sheets and income statements) are the cash received from sales and cash receipt/payment for acquisition/disposal of fixed assets. Additionally, the payments made to employees and suppliers, actual amounts paid for interest and taxes, actual amounts of dividends paid or received, and a listing of noncash items.

 

References

Answers.yahoo.com, (2011).

 

(http://www.answers.yahoo.com/question/index?qid=20090228202450AA5jvbJ)

 

Fraser, L. M., & Ormiston, A. (2007). Case 4.2: Candela Corporation, Understanding Financial

 

Statements (8th Ed). Upper Saddle River, NJ. Pearson/Prentice Hall

 

Justanswer.com, (2011).

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PSY 210 Week 9 Final Project Case Study Answer

Michael is a 40-year-old airline pilot who has recently begun to experience chest pains. The chest pains began when Michael signed his final divorce papers, ending his 15-year marriage. He fought for joint custody of his two children, ages 12 and 10, but although he wants to be with them more frequently, he only sees them every two weeks. This schedule is, in great part, a result of his employer’s announcement that budget constraints would result in layoffs. Michael worries that without his job he will be unable to support his children and lose the new townhouse that he purchased. Michael’s chest pains are becoming more frequent and he fears that he may be dying.

  1. What are the causes of stress in Michael’s or Jennifer’s life? How is stress affecting Michael’s or Jennifer’s health?

Michael’s causes of stress are coming from life changes and pain and discomfort. The first change that is causing him stress in his life is that he has been going through a divorce and he just had to sign the final papers ending his 15 year marriage. The second change that is causing him stress is that he is fighting for custody of his kids. The third change is that he is having a tough time knowing he is only going to be able to see his kids every two week due to budget constraints at work that might lead to layoffs. He is worried that he will not be able to support his kids. These changes are affecting Michael’s health by causing him to experience chest pains that are being to happen more frequently. He is beginning to fear that he is dying.

  1. How are these stressors impacting Michael’s or Jennifer’s self-concept and self-esteem?

These stressors are impacting Michaels’s self-concept and self-esteem tremendously. They are making him doubt himself and a father and an employee. He is already having problems with the fact that he had to sign his divorce papers, but now has to worry about maintaining his job to be able to support his children. Not only is he worried about his job, but his job situation is now affecting his ability to see is children as much as he would like too. These issues in his life are causing him great stress that it is now affecting his health and physical being.

  1. How might Michael’s or Jennifer’s situation illustrate adjustment? How might this situation become an opportunity for personal growth?

For Michael to illustrate adjustment to his situation he must first begin the attribution process. He must find an explanation to what is causing his stress and try to turn it into something positive. This is not something that is going to be easy; he might even need to seek professional help. Once he begins to realize what is causing his stress he can begin to deal with it. He could use this situation as a way of working harder at work to prove that he is doing a good job. He could also use this as an opportunity to examine his options in other employment that he might have been interested in but never had the chance to pursue. This could also be used as his personal time to cope with the separation with his spouse and truly heal from it. It really depends on what direction Michael wants to go to determine what personal growth he would like to achieve. In any stressful situation seeking guidance from friends or loved ones is a great opportunity to get your stress off your chest and into the open to face it.

  1. What defensive coping methods is Michael or Jennifer using? What active coping methods might be healthier for Michael or Jennifer to use? Explain why you would recommend these methods.

I think that the two defensive coping methods that Michael is using displacement and rationalization. I think that his chest pains are caused by the stress of having to deal with the fact that he signed is final papers in his divorce. He is trying to redirect his feelings about the divorce to the pains he is getting. I also think that he is using rationalization by creating a false justification that he is dying because his chest pains are getting worse. The first thing that Michael needs to do as an active coping method is to talk to his doctor about what pain he is experiencing and what is going on in his life at the moment. He could then try to think more positive about his situation and focus on what he is going to do when he does get to spend time with his kids. These types of methods might be healthier for Michael to relieve some of his stressors that are taking a toll on his body. This will help him to focus more on work instead of worrying that he is going to lose his job. I recommend these methods because it is not good to think negative about everything. Talking to someone about what is going on can help you to find other means to a solution to your problem.   They can help you to redirect your focus and put it on what is important like your children and your job.

  1. Select one theory of personality and use this theory to tell Michael or Jennifer how this theory explains his or her situation.

The appropriate personality theory that I think best suites Michael would be social-cognitive theory. He has very high expectations and values in what he wants for his children in this dramatic life change that they are experiencing. He wants what is best for them. He is letting his stress factor of the divorce get in the way of making decisions with his job and his kids. He is letting these stressors cause himself physical pain which he now thinks that he is dying because the chest pains are getting worse. He is influencing his own environment by making his situation worse.   He needs to find the competence to find skills to adjust his own environment and make it better for him and his kids. He needs to find positive expectancies to change the outcome of his situation. If you think negative then negative things are going to happen. He needs a positive attitude which then will reassure his children that things are going to be ok.

  1. In what stage of development is Michael or Jennifer and what factors about this stage might be impacting his or her perspective of this situation?

I believe that Michael falls at the beginning of the middle adulthood stage of development. He was to the point in his life where he was settled down with a family and already had a career.   He was married for 15 years and has 2 children. Without enough details it is hard to say why he and his wife have divorces after 15 years but he does show that he is not taking it very well. This stress is causing him to have physical pain. Everything that he knew has been uprooted and he now must start over this late in life and become a single parent and deal with the new stress of possibly falling within layoffs at work. Now he has to worry about supporting his kids financially and trying to maintain his job to keep his home that he has just purchased recently. All of this is impacting his situation and making it worse for him to deal with what is going on. It looks like it is too much for him to handle all at once. He needs to face his stress and find ways to deal with it in a positive way before it leads to a midlife crisis. He has to think about the kids and what is best for them. He needs to transition these changes smoothly to make it less stressful for the kids.

  1. What relationship factors or considerations might be influencing Michael’s or Jennifer’s problems?

Michael went from being married for 15 years to a divorce. Now he is facing being single again after all these years. These relationship factors are what are causing Michael’s problems.   This is why his job and being able to support his children has become a major stress in his life. It is now his income that he has to focus on to make ends meet to pay his bills and support his children. Finances are a major stress factor for many people. That is why Michael is taking the divorce so hard. Everything in his life is changing and in his mind it is all changing for the worse.