A Negative Side Effect Of A Digital Era

The Internet is an amazing tool that we all (in the United States) get to freely enjoyed. I previously took the Global Issues course, and I find out that for many countries, particularly in China, their government controls their Internet; they do not get to enjoy Facebook, Instagram, or Twitter like we do.

After more than 50 years of offering largely homogenous products and maintaining a bureaucratic culture of consistency, stability, and predictability, the insurance industry was forced to change due to deregulation and subsequently expanded the kind of products offered by insurance companies, banks, and financial institutions (Lester & Parnell, 2006; Roesenberg, n.d.). Thus, companies experienced expanded product diversification, increased competition, and the volume and speed of change escalated across industry. As a result of these factors, combined with a struggling economy, Christine Brooks’ once prominent and highly profitable employer is now in the midst of its third consecutive year of declining revenues and unprofitability. Consequently,

Retirement Retirement seems to be one of the most often overlooked areas of people’s future plan. Simply because it seems so far away, it is an area that is subject to procrastination. People are expected to live longer now than ever before, this is another reason why young adults and teenagers are not worried about saving for their retirement. The baby boom generation, the seventy seven million people born between 1943 and 1960, face an entirely different retirement plan. As they began to retire, people are starting to think that there will be no money left and this will turn into a crisis. What will happen when seventy-seven million baby boomers begin to want the money they paid in… but it is not there? Retirement provisions such as

To enable it to reach the FO, The GI Business strategy is to “Deliver a seamless insurance experience to Protect 1 million CBA customers by 2017, through Simplifying how we do things, enabling our people, building strong partnerships, investing in technology, and knowing our customers. This is more a strategic intent, or vision, rather than a true strategy, but shows the focus for GI is on growth in its existing customer base, which currently stands at 700,000. Rather than argue whether this is in fact a strategy or not, this report will assume this as a strategy and provide analysis of this strategy and the fit with both the internal and external environments.

Throughout the past couple decades, cell phones and laptops have become a large part of daily life for most human beings. In fact, in today’s society it is rare to find someone who does not own some sort of cellular device. Although technology has many useful perks, it is beginning to deteriorate our society’s social skills and social life. Teenagers in today’s world are too digitally connected, and this brings along the negative effects of a decrease in real-life conversation, increased laziness, and more distractions in a number of different environments.

Today, about 9 in 10 Americans use the Internet and 77% of Americans own a smartphone. Compare these statistics to the early 2000s when 5 in 10 Americans were online and in 2011, when only 35% of Americans owned a smartphone. Just a few decades ago, the technology we have today were merely ideas in science fiction novels or gadgets seen in a futuristic movie. There is no doubt that technology use has increased dramatically within this decade and these numbers may continue to rise as technology becomes more available to the public. Technology is slowly taking over our life and so many people have grown up surrounded by technology that a life without it is pretty much unimaginable. As technology becomes a bigger part of our daily lives, we

With new technical breakthroughs happening every minute, technology is advancing far beyond our imagination. The internet has become increasingly accessible with new smartphones and smart devices, and with them came new social media applications. Social media has now become a large factor in the lives of many people across the globe as a means of finding and distributing information. People spend more and more time on the internet, and less time having face to face human interactions. Instead of human interactions and networking, popularity and social status is now based on friends on Facebook, followers on Twitter, and Instagram “likes”. The lack of meaningful social interactions has caused an increase in mental health issues such as social anxiety and depression, and adversely impacts human society. Digital technology negatively affects happiness because it causes loneliness, mental illness and a disconnection from the real world.

Insurance policies will not only help businesses financially, but also personally, being reliable to their employees as well as keeping a strong customer base. A good example of a business that does this is Kohl’s Department Store. With a variety of different merchandise, low prices, and quality service, Kohl’s delivers to its customers with exceeding expectation. To see how Kohl’s has successfully made it to the top, a brief history of the company and achievements will provide a foundation for the types of policies needed in order to maintain such success.

My main objective when joining the Bankers Insurance project was to improve the communications between Cardinal Bank and Bankers Insurance. Acting as a liaison between Cardinal Bank and Bankers Insurance, it is my job to ensure that referral information made its way to the appropriate insurance agent. There have been many changes made; including developing direct communication between the referring Cardinal Bank employee and the agents at Bankers Insurance, improved reporting to accurately reflect the results of the partnership, and engaging with sales officers to appropriately discuss the Bankers Insurance opportunity with their clients. With the help of many different Cardinal Bank employees, the Bankers Insurance partnership is slated for success in 2016.

It is without a doubt that economically developed nations have over the years profited from the wealth Information and Communication Technologies (ICT) has provided. Even with the multiples of opportunities and economic expansion ICT has brought to these countries, developed nation’s such as the United States, United Kingdom (UK) and Australia have had to battle the negative effect of ICT. This has left a lot of institutions and sectors vulnerable to cybercrime and cyberattack.

The world wide web otherwise called the internet came about in the 1960s and was primary used for researchers and academia. But since the 1990s, the internet has had that revolutionary effect on the culture and commerce in our society. This includes communication by email, instant messaging, internet phone calls. In addition, there is also the world wide web with discussion forums, social networking sites, and online shopping sites which several amount of people, despite their generation have utilized to their own benefit. However, these are the icing on the internet cake. Now, the internet since its its inception remains one of the world's most revolutionary piece of technology. Emits its positive, there are many negatives and destruction

Digital citizenship can be defined as the norms of appropriate, responsible behavior with regard to technology use.

The information age is the period characterized by computerization and information. With automation and the passing of years, people tend towards being more curious regarding digging out of hidden secrets. Additionally, technology has improved keeping up with changing lifestyles and growing population. However, it is difficult to agree or disagree that with the coming of the information age comes the loss of crucial historical information. Consequently, many will agree that information age has both negative and positive implications on the world of history or the past. Understanding the positive and the negative repercussions, however, require that one extensively understands the past, present, and can predict the future. It seems that no one can provide a legitimate answer to this question without proper knowledge of historical information and the information age.

With human’s creating high technology we have forever transformed the way we live, even the way we feel. Technology has changed the way we think without us ever even realizing it. We have information at our fingertips making the way we receive information forever. No longer do we have to search the library's for our papers. Even the way we socialize has changed. We simply go on an app to look at others across the world or to communicate. But this doesn't mean it’s not having a negative effect on us. T.M Luhrmann states “Nobody thinks for themselves anymore.” We simply just take what other’s say and believe it’s real. In T.M Luhrmann article “ Is The World More Depressed” explains that it has been recently learned that Facebook leads people to feel less about themselves in a single moment with their lives. One of those reasons being because they see others post these most flattering, beautiful photo’s and funny comments when their lives feels so gray and dull. This leading to sadness which soon could lead to depression. With social media increasing we have become to have a greater awareness of other people and where we stand in social space.

The insurance industry exists to provide effective risk management services to protect customers. Insurers charge a premium for coverage against specific risks including motor vehicle accidents, house fires, illnesses, etc. In the event of an accident, insurance companies are required to pay for damages according to policy contracts. According to Allstate Insurance: Building Relationships through Email Campaigns case study, “Insurance may be the only product that people buy that they hope they will never use,” (Tarter, Caravella, & Zahay). The insurance industry has grown to be largely competitive, and has reached the heights of $140.1 billion within the United States. (Tarter, et al.). Insurance companies compete for customers based on coverage, price, service, reliability and stability. “Reputation is everything,” (Tarter, et al.).