The most common methods for financing automobiles are through car loans or car leases. Car loans are personal loans provided by banks and credit unions and can be repaid over a period of years. However, with a car lease, a person never owns the car. The bank or credit union selected purchases the car and rents it to you for a fixed period. Once the fixed period of the lease expires, the financial institution takes back the car and sells it. In this assignment, you will compare the differences between car loans and car leases.

A car loan is one of the most significant investments made by a typical American family. An alternative to the traditional auto loan is the auto lease.

Using the readings for this module, the Argosy University online library resources, and the Internet, respond to the following:

• Examine the differences between a car loan and a car lease. Consider the following factors:
  • Advantages and disadvantages of both leasing a vehicle and purchasing a vehicle
  • The process you will personally follow in making a decision on taking a car loan or leasing your next car
• Explain how leasing versus financing a new automobile changes your insurance options/requirements for the automobile. Consider that auto insurance requirements differ by state.
• Describe the requirements specific to your state and whether insurance requirements differ on a financed purchase over a lease.
• Identify other variables that influence one’s insurance premium.
• Describe the actions one can take to ensure that auto insurance premiums are not unnecessarily high.

Write your initial response in 200–300 words. Apply APA standards to citation of sources.

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Please read the uploaded files then answer the questions below:

1. From a Care Ethics perspectives, is Winston acting ethically? Why or why not? ( Please read the Housing Allowance and my care lecture)

2. The issue of Walmart, or, said differently, the issue of big business taking over market share form small business, is not an ethical issue according to the text. Why? (Please read the Walmart file and Justice lecture)

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In our text Our Iceberg Is Melting, Kotter provides a story-based scenario of a situation needing a change intervention.

Review the reading from our text and create a presentation about how Kotter’s first four steps were applied in the story and then reflect on an organizational change effort that you are familiar with from the past (failed, successful, or somewhere in between) using Kotter’s first four steps to diagnose the strengths and weaknesses of the change effort.

Make sure to include what was done well, what was done poorly, and what was lacking in the change effort.

Your presentation should be a minimum of 5 slides and a maximum of 8 slides.

Critical Elements Exemplary (100%) Proficient (90%) Needs Improvement (70%) Not Evident (0%) Value Analysis Analyzes and clearly states how Kotter’s steps (1-4) applied to the story Analyzes and states how Kotter’s steps (1-4) applied to the story Analyzes and states how some of Kotter’s steps (1-4) applied to the story Does not analyze or state how Kotter’s steps (1-4) applied to the story 25 Evidence Clearly provides evidence of being able to lead a change effort Provides evidence of being able to lead a change effort Provides some evidence of being able to lead a change effort Does not provide evidence of being able to lead a change effort 25 Critical Reflections Clearly identifies strengths and weaknesses of what was done well, what was done poorly, and what was lacking in the change effort Identifies strengths and weaknesses of what was done well, what was done poorly, and what was lacking in the change effort Identifies some strengths and weaknesses of what was done well, what was done poorly, and what was lacking in the change effort Does not identify strengths and weaknesses of what was done well, what was done poorly, and what was lacking in the change effort 30 Writing (Mechanics) Presentation is easily understood, clear, and concise using proper citation methods where applicable with no errors in citations Presentation is easily understood using proper citation methods where applicable with few errors in citations Presentation is understandable using proper citation methods where applicable with a number of errors in citations Presentation is not understandable and does not use proper citation methods where applicable 20 Total 100%

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Instructions:
In preparing for this discussion, read Chapters 8 and 16 (p 338) of the course text. For your initial post, address the following in the discussion forum:
•Define disease management (DM) programs.
•Describe the impacts of DM programs on healthcare quality and cost.
•Identify challenges in DM programs.
•Examine a successful DM program from real life and address
(a) What is its accreditation status?
(b) Why is this program successful?
(c) Can it be replicated in other settings?
Your initial post should be at least 300 words.

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Discussion 1: Finding an Interview Subject for Your Final Project

For your Final Project, you will interview a mental health counselor involved with a client population or client issue that interests you. Fulfilling this last part can be difficult, depending on your interests and your vision of yourself as a counseling professional. Considering potential candidates to interview will require searching websites and agencies that match your interests.

In this Discussion, you will begin work on your Final Project. You will post at least two websites that you believe will help you find the right counselor to interview.

To Prepare:

• Review the Final Project Overview document for tools to help you find an appropriate interview subject. Also, it is highly recommended to review the Final Project Overview in its entirety for additional information.
• Consider websites and other resources to use to search for and select an interview subject.

By Day 3

Post the following:

• Provide at least two websites or other resources you are using to search for the subject you will be interviewing.
• Briefly explain why you chose those resources (one paragraph total is sufficient).

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