Shown in the instruction Essay Example | Topics and Well Written Essays - 750 words

Shown in the instruction - Essay Example Atoms link up to form molecules. These atoms might either be of the same element or of different elements. Depending on the characteristics of these atoms, molecular or ionic bonds are formed. The number of electrons present in each atom is what really determines the kind of bonds to be formed. Electronegativity is the tendency that an atom has to attract electrons in a chemical bond. An ionic bond is formed when the elements involved have significantly different electronegativity. This means that the probability of ionic bonds being formed is higher when the difference between the electronegativity of the two elements is greater. It is also important to note that electrons are lost and gained by atoms in order to obtain a stable electron configuration. The atom with lower electronegativity loses an electron to the one with higher electronegativity. The net charge of the atoms then becomes positive or negative due to the loss and gain of an electron respectively. The two atoms thus charged oppositely attract each other and this is an ionic bond formed. Atoms are then interconnected through attraction throughout a substance. Substances whose atoms are bonded in this way are termed as ionic. These substances have common characteristics although they might differ slightly due to factors such as the strength of the bond formed. Covalent bonds are formed when atoms share electrons forming molecules. Sharing of electrons depends on the orbitals among other properties. Quite a number of theories have been formulated to explain how covalent bonds are formed. Electrons are shared to obtain a stable electron configuration. Many molecules of this type then make up molecular substances. Molecular substances generally occur as gases, liquids or solids with low melting points. This is because the intermolecular forces of attractions are relatively weak. The

Risk management Case Study Example | Topics and Well Written Essays - 750 words - 1

Risk management - Case Study Example The second part involves the liability insurance on liability related risks. It must be noted that liability insurance is meant to offer protection to a third party should there be any claim. The family can insure their dogs. That can certainly be under pet insurance from Progressive Insurance. That is because one of their dogs has been reported to be engaged in biting people. That can lead to a huge loss if the family is not careful. For that reason, taking an insurance cover for the two dogs is important in case of any accidents especially because they have allowed students of Perdue school to be passing by their fence. That even makes it more dangerous. On the other hand, the family may decide to enclose their yard and garden by fencing and prohibiting students from passing over the yard. That also possesses the family in danger of theft related cases. Jane is also working in a manufacturing plant and therefore needs to be covered under the company’s public liability insura nce due to accidents, injuries, death at work and many others. Jane may also insure her businesses against losses especially because the business is seasonal and sometimes funds are not available. Home related risk in the third part involves insuring the house. Homes are insured under the home insurance. The house though very old can still be insured. Progressive Insurance company offers certain categories depending on the perils. Jane can contribute an average annual insurance at $1,163 and monthly contributions at $96.92. That will be cheap while considering that her business is cyclic. Jane will be required to pay a $5000 deductible monthly insurance against flood. The maximum amount payable is $250,000 for house allowance. In future Jane would wish to move out of the old house since it has high risks rates that lead to high deductible amount. Jane would also be needed to insure his