tag:blogger.com,1999:blog-69543679835132723172023-11-15T08:50:02.089-08:00Cause and effect essay writinglilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.comBlogger30125tag:blogger.com,1999:blog-6954367983513272317.post-18520651944458156542020-08-24T04:09:00.001-07:002020-08-24T04:09:06.723-07:00Power of One WordA solitary word can be utilized to deprecate, hurt, and mortify. Single word can cause such a great amount of hurt to an individual that they burst into tears or winding down into a harming opening that they can't escape for an all-encompassing measure of time. From the beginning of time, names have been utilized to keep a populace in its place. Put-down have been heaved to cause a solitary individual to comprehend what another considers them. Words are utilized constantly to make harm an individual or a whole people groups soul. Single word can have a great deal of intensity. In ââ¬Å"What's in a Name? â⬠, Henry Louis Gates father was a very much regarded negro in his community.Maybe the better method to put it is progressively regarded. He maintained two sources of income, and being all the more monetarily effective raised the family's status. The Gates family was the main negro permitted into a nearby drugstore to really plunk down and eat. On one event, Mr. Doors and his da d went in together for frozen yogurt and his dad welcomed a white man. The white man, Mr. Wilson, reacted, yet called his dad ââ¬Å"Georgeâ⬠. George was a deriding name for dark men. Mr. Entryways requested that his father right the Mr. Wilson, thinking it had been a slip-up. At the point when he understood that Mr.Wilson had intentionally offended his dad, it changed something in him until the end of time. I trust Mr. Doors couldn't grasp Mr. Wilson recognizing and disparaging his dad simultaneously. For what reason did he say anything back by any means? For what reason would he be impolite intentionally? Mr. Doors, up until that second, had accepted that Mr. Wilson was a pleasant individual. After Mr. Doors' dad clarified that he called each dark man George, his assessment moved. The white man offended each dark man he knew. This was the first run through Mr. Doors could see that individuals were not generally who they seemed.He was befuddled regarding why his dad didn't rig ht Mr. Wilson. Without a doubt his dad more likely than not been offended. He more likely than not comprehended that Mr. Wilson intended to affront him. I accept he got humiliated for his dad and needed him to address Mr. Wilson, to go to bat for himself. His mom called it ââ¬Å"just one of those thingsâ⬠(Gates 6), and he was vexed that they acknowledged that. Unfortunately they had such a large number of those minutes. He needed his dad to change something, to address an inappropriate. Tolerating it was agonizing and despicable. He composed that he would never look at Mr.Wilson without flinching again. Single word, ââ¬Å"Georgeâ⬠, made a young man see obviously a white man, his dark dad, their situations in the public eye, and the bad form that society endured. It changed his perspective on the world and of his family for eternity. In A Lesson Before Dying, a dark man, Jefferson, is condemned to be shocked for a homicide that he didn't submit. He was in an unlucky spot with two or three young men he had known as long as he can remember, and they were inconvenience. They ransacked an alcohol store that was possessed by a white man, and during the burglary the white man was killed.A dark man at the location of the wrongdoing never had any possibility of not being sentenced. At the point when the condemning piece of his preliminary came up, his legal counselor attempted to get him out of a capital punishment. The legal counselor guaranteed that he was what could be compared to a hoard. ââ¬Å"I ask you, I entreat, look cautiously do you see a man staying here? â⬠(7; pt. 3, ch. 1)â⬠¦ ââ¬Å"What equity would there be to end this life? Equity men of their word? Why, I may as well put a hoard in hot seat as this. â⬠(8; pt. 4, ch. 1) Jefferson and his back up parent, Aunt Emma, are both profoundly influenced by the word hog.She approaches a family companion, Grant, to assist Jefferson with figuring out how to take care of business. She s ays, ââ¬Å"I don't need them to execute no hogâ⬠and ââ¬Å"I need a man to go to that seat, on his own two feet. â⬠(13; pt. 2, ch. 2) She needs him to kick the bucket with respect. The first occasion when they see him after the court date, Jefferson has acknowledged being a hoard. He's harmed to such an extent that he snuffles and makes hoard clamors, saying that pride is for ââ¬Å"youmansâ⬠(83; pt. 8, ch. 11) and they should just bring certain nourishments that pigs eat, since he was a hoard. Award has no clue about how to instruct pride to a man, yet after some time they start to communicate.They talk about frozen yogurt, which Jefferson needs for his last feast, and Grant presents to him a radio. This helps Jefferson to remember his humankind, and he thinks possibly Grant is attempting to benefit him. Award had been battling with his own devils since he returned to his old neighborhood after school. He no longer puts stock in God and is severe and beat somewhe re near the manner in which dark individuals are dealt with. He isolates himself from his locale since he feels that he does not have a place anymore. He feels that his loved ones don't see how white individuals keep them all in their place, and that they are feeble on the grounds that they simply acknowledge it.He never needed to support Jefferson and figured he could always be unable to have any kind of effect. Getting through to Jefferson causes him to understand that as much as he detests the manner in which life is in their humble community, he belongs. He is a piece of it and the individuals. He can at long last comprehend what Jefferson's auntie needed him to do, and discloses to Jefferson that he can bite the dust a man, that Jefferson can go to the seat with so much respect that he fortifies the entire network. They all owe something to one another, and like it or not, they should all be attempting to help each other out.Jefferson understands that since he adores his auntie he ought to figure out how to ââ¬Å"be a manâ⬠so she can have tranquility when he bites the dust. At the point when he at long last goes to the seat, he is a man. He bites the dust with poise and deserts his imprint. White men know somewhere down in their souls that his discipline was low. He begins a moderate change in specific individuals in that town. Jefferson deserted more than he had carried with him to the world. Single word, ââ¬Å"hogâ⬠changed two men until the end of time. Jefferson got himself and became something for the individuals to turn upward to. Award understood that he was worse than every other person, and started needing to improve his reality a place.The word hoard brought Jefferson down so low that he accepted he ought to eat slop off the floor and that they should simply hustle just a bit and butcher him. At the point when his opportunity at long last arrived, he was quiet and comprehended that he could really utilize this to benefit a few. He w as a man. Females can be appalling to one another. They can be horrible and subtle, and some of the time that is generally clear in sororities. Sororities have extreme and some of the time belittling undertakings and inceptions to turn into a part. The more established young ladies will tell their vows that they are failures, fat, or stupid.There is single word that is by all accounts tossed out as a general rule, and it ought to be a word that ladies don't use against one another, ââ¬Å"bitchâ⬠. The young ladies that promise to sororities are searching for some place to have a place when they get to another school and are away from home just because. In a great deal of cases, rather than being invited and acquainted with their new school in a neighborly manner, they are gotten through inception and debasing circumstances. In Pledged, one of the commencements was placing the new young ladies in dazzle folds, stripping them down and laying them face down on the floor.Boys from an organization were without then to move around the live with markers and imprint on the young ladies. The young men would feature the regions on their bodies that the new young ladies expected to chip away at. (Robbins 259-260) Others sororities have marked their new young ladies with lit cigarettes or metal brands subsequent to urging the young ladies to drink vigorously and afterward stripping them down without their assent. (Robbins 258-259) Any young ladies who questioned this treatment, be that as it may, would be known as a bitch and kicked out. Ladies ought not be rewarding each other this way.It is difficult to comprehend that sororities, which ought to lift their individuals up, would need to expose their individuals to surprisingly more terrible treatment than what they previously observed at home, in the outside world. They put each other down and are continually revealing to them how to do their hair, how to dress, the amount to gauge, and acceptable behavior. The enti re time they are doing this, in any case, they are telling the new young ladies that they are sufficiently bad, and presumably won't have the option to fulfill those guidelines. They are informed that the entirety of this is to help develop themselves and it's everything for the more prominent good.If a young lady chooses to go to bat for herself, she will have no real option except to leave the sorority for not having the option to cut it. Young ladies that whined were known as a bitch and had their rooms scoured. (Robbins 359) The new young ladies are informed that the sorority is tearing them down so as to develop them back. It annihilates their trust in different young ladies and in a framework they thought would secure and sustain them. In Born Round, Frank Bruni consistently experienced a little difficulty with his weight. He originated from a major Italian family, where huge family suppers and having a ton of food in the house was normal.He had an individual battle with food. He realized he ought not eat so a lot and ate less carbs as often as possible since he was humiliated of his weight. At the point when he got into adulthood, he put on a considerable amount of weight at a certain point. He understood that he was judged, once in a while just by his weight alone. He got a kick out of the chance to eat notwithstanding, and found a new line of work as a food pundit. Beginning as a food essayist, he figured out how to hold his weight down to a sensible level. As time went on, notwithstanding, his weight began to crawl back up. At the point when he saw an old family companion while he was heavier, she made a decision about him and revealed to him he was so fat. Bruni, 35)This word. ââ¬Å"fatâ⬠sent him into a slight wretchedness, where he put on considerably more weight. He consumed less calories once more, proceeding in his hover of here and there weight. It required some investment to acknowledge what his identity was and locate his sound weight, and a large portion of his mental issues with his weight originated from the word fat. A solitary word can be utilized to disparage, hurt, and embarrass. Single word can cause so much hurt that it makes an individual uncertainty what their identity is and their self-esteem. It can, be that as it may, make an individual more grounded. It lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-19404963979908834252020-08-22T00:30:00.001-07:002020-08-22T00:30:06.290-07:00Research Woodrow Wilson and Franklin Roosevelt PaperWoodrow Wilson and Franklin Roosevelt - Research Paper Example His New Deal program altogether augmented the capacity and duties of the U.S. central government. This paper breaks down and talks about the life and inheritance of Woodrow Wilson and Franklin Roosevelt as U.S. presidents. The conversation centers around their reaction to the greater national and worldwide issues during their administration. Woodrow Wilson, the 28th leader of the United States, viewed himself as the safeguard of the majority and the mouthpiece of the individuals. He announced, ââ¬Å"No one yet the President is by all accounts expectedâ⬠¦ to pay special mind to the general interests of the countryâ⬠(Cook 98). He was a liberal reformist and took on worldwide initiative in making another worldwide request. He reported in 1917 that the inclusion of the United States in the First World War is a crusade to manufacture a world that is ââ¬Ëfriendlyââ¬â¢ to just belief systems. Wilson had seen the loathsomeness and monstrosity of fighting. He was conceived in 1856 in Virginia to a Presbyterian minister of the Civil War. Subsequent to completing his investigations at Princeton and the University of Virginia Law School, he got his college degree at John Hopkins University and left on a scholastic calling (Freidel 61). Wilson advanced rapidly as a conventionalist, traditionalist youthful college teacher of political theory and was chosen in 1902 as head of Princeton. His prospering national notoriety energized various moderate Democrats to see him as a decent contender for administration. From the outset they persuaded him to run for the situation of New Jerseyââ¬â¢s Governor in 1910 (Gaines 48). During the battle he announced his self-rule from the traditionalists and from the framework that had suggested him, advancing a liberal program, which he did as senator. In 1912, during the Democratic Convention, Wilson was assigned for administration and advanced the venture New Freedom, which accentuated singularity and the privileges of states. In the tripartite lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-68629351398867245142020-07-17T05:42:00.001-07:002020-07-17T05:42:05.500-07:00Bankruptcy Guide Definition, Filing ?r?????, Consequences, Examples Bankruptcy Guide Definition, Filing ?r?????, Consequences, Examples INTRODUCTION Ev?r??n? with ?v?n ?n? f?rm ?f d?bt has to m?n?g? their debts. If ??u just h?v? a littl? debt, ??u h?v? t? k??? u? ??ur ???m?nt? ?nd m?k? ?ur? it d???nât get ?ut ?f ??ntr?l.Also, if youâre in over your head in d?bts, ??u h?v? to ?ut m?r? effort into ???ing off ??ur d?bt while tr?ing to m?n?g? you ?urr?nt basic expenses.The solution m??t individu?l? ?nd ?v?n bu?in????? t?k? in situations lik? thi?, i? to fil? f?r b?nkru?t??. I ??ll it the ultim?t? ????nd ?h?n??.M?n? people who fil? for b?nkru?t?? ?r?b?bl? n?v?r th?ught th?? w?uld. It? freeing, but it d?finit?l? can b? a ?tr???ful thing t? d?, but hey, it i? b?tter th?n doing n?thing about your debt.So l?t? t?k? a m?m?nt t? talk ?b?ut thi? second ?h?n??.UND?R?T?TING B?NKRU?T?YAlthough b?nkru?t?? i? ??m?li??t?d ?nd th? ?x??t ?t??? ??n v?r? fr?m one l???ti?n t? the ?th?r, b?nkru?t?? u??? the same terminology ?nd follows the ??m? basic process.Two m?in ??rti?? ?r? inv?lv?d in bankruptcy filings th? d?bt?r and th? ?r?dit? r. Th? d?bt?r i? th? party who has d?bt, or ?w?? m?n??, t? th? ?r?dit?r. A debtor ??n b? a company ?r ?n individu?l. The ?r?dit?r i? ?n ?rg?niz?ti?n ?r ??m??n? th?t ?l?im? the debtor ?w?? ?r???rt?, service, ?r m?n??. M??t b?nkru?t?? ????? involve several creditors.D?bt?r? can h?v? two different t???? ?f debt secured ?nd un???ur?d. With secured d?bt?, ?r?dit?r? have th? legal right t? something of ??ur? if ??u fail to m?k? th? proper ???m?nt?. Y?ur m?rtg?g?, f?r ?x?m?l?, is a secured d?bt. B? l??ning ??u th? m?n?? t? pay for ??ur house, th? b?nk g?t? a li?n on it. If ??u stop m?king mortgage ???m?nt?, the bank ??n f?r??l??? ?nd t?k? ???????i?n ?f ??ur house.WH?T I? BANKRUPTCY? Bankruptcy is a ??urt proceeding in whi?h a judg? ?nd ??urt tru?t?? ?x?min? the ????t? ?nd li?biliti?? ?f individu?l? ?nd bu?in????? that ??nât ??? th?ir d?bt? ?nd d??id? whether to di??h?rg? those d?bt? so they ?r? n? longer legally r??uir?d t? ??? th?m or m?k? ???m?nt ?l?n?.S?und? lik? a get ?ut of j?il fr ?? card.A debtor can declare Bankruptcy (?l?? ??ll?d v?lunt?r? b?nkru?t??) ?r it ??n b? forced by ??urt ?rd?r? i??u?d ?n the creditors ??titi?n (also ??ll?d inv?lunt?r? b?nkru?t??).Bankruptcy laws w?r? written to giv? ????l? wh??? fin?n??? ??ll????d a ?h?n?? to start ?v?r. Whether it w?? b?d d??i?i?n-m?king or bad lu?k, lawmakers ??uld ??? th?t in th? ???n?m?, ??n?um?r? ?nd businesses wh? failed need a second chance.The tw? m?j?r objectives of a b?nkru?t?? ?r?Fair settlement ?f the l?g?l ?l?im? ?f th? creditors through ?n ??uit?bl? distribution ?f debtors ????t?, andT? ?r?vid? the d?bt?r ?n opportunity f?r fr??h start.Bankruptcy ?m?unt? to a business-failure, but v?lunt?r? winding u? does n?t.P???l? dont fil? b?nkru?t?? because it? ?n ???? d??i?i?n to ??m? t?. It? b???u?? they dont have ?th?r ?h?i???.- Ik? Shulm?n, C?-?h?ir ?f th? N?ti?n?l A????i?ti?n ?f C?n?um?r B?nkru?t?? Att?rn??? legislative committeeR????n? ????l? go b?nkru?tB?nkru?t?? can happen to ?n??n?. In fact, the average b?nkru?t ??r??n l??k? a l?t lik? you. They can be m?rri?d or ?ingl?, ??ung or ?ld, male ?r f?m?l?.The truth ?f th? m?tt?r is, th?r? ?r? a variety ?f ri?k f??t?r? th?t ??n l??d to bankruptcy.i. Unexpected di???t?rIt i? a myth that b?nkru?t?? i? ?lw??? a result of ??m?thing ??u ??n control. Oft?n the ??u??? ?f b?nkru?t?? ?r? n?t something w? b?rg?in?d f?r. Thi? m?? include a major ??r or home r???ir, a h?u?? fire or even something ?? catastrophic ?? a d??th in the f?mil?.L??? of ?r???rt? du? t? th?ft ?r ???u?lt?, such ?? earthquakes, floods ?r tornadoes f?r whi?h the ?wn?r is n?t in?ur?d can force ??m? int? b?nkru?t??.M?n? h?m??wn?r? ?r? likely unaware th?t they mu?t t?k? ?ut ????r?t? ??v?r?g? f?r ??rt?in ?v?nt? ?u?h ?? ??rth?u?k??.Th??? wh? d? not h?v? coverage for thi? t??? ?f ??ril can face th? loss ?f n?t ?nl? th?ir h?m?? but m??t ?r all of their ???????i?n? as w?ll. N?t only mu?t th?? then ??? to r??l??? these items, but th?? must ?l?? find immediate f??d ?nd ?h?lt?r in th? m??n tim?.Furthermore, th??? wh? lose th?ir w?rdr?b?? in ?u?h a ??t??tr??h? m?? n?t b? ?bl? to dress appropriately f?r their w?rk, whi?h could ???t th?m th?ir j?b?.Without ?d??u?t? ??ving? ?nd th? right in?ur?n??, the ???t ?f a m?j?r di???t?r ??n l??d to b?nkru?t??.ii. Financial MismanagementThanks t? inflation, m?n?ging m?n?? i? harder than ?v?r; ?nd a ??mbin?ti?n ?f b?d budgeting, un??ntr?ll?d ???nding ?nd ?x????iv? use ?f ?r?dit is th? ?n? of th? l??ding causes ?f b?nkru?t??.In truth, h?ving more d?bt th?n you ??n h?ndl? m?? h?v? started ?ut by over-spending ?r b? poor u?? ?f ?r?dit ??rd debt h?w?v?r w? often find th?t in m??t cases the tip ?v?r the edge ???ur? when ??mbin?d with one of th? above ??u???.Wh?n you ?r? h??vil? in d?bt, ?nd do not h?v? adequate savings to f?ll b??k on, ?n un?x???t?d ?v?nt ?u?h as ?n illness, j?b l??? or div?r?? can bring ?n already risky ?itu?ti?n t? th? brink.Th? best w?? t? ?v?id fin?n?i?l mi?m?n?g?m?nt i? t? ?r??t? a budg?t so that ??u monitor b?th you r in??m? ?nd expenses and m?k? ?ur? th?t you ???nd ?nl? wh?t ??u ??rn. It i? ?l?? im??rt?nt t? establish a savings plan for ?x??n??? that ??uld l??d to more d?bt.Whil? b?nkru?t?? ??n ?r?vid? a ??n?ibl? debt solution f?r some ????l?, others h?v? f?und that, b? consolidating th?ir d?bt?, th?? ??n avoid th? tr?ubl? ?nd ?x??n?? ?f b?nkru?t?? ?nd ?till take ??ntr?l ?f th?ir fin?n???.Whi?h?v?r m?th?d w?rk?, the im??rt?nt thing is to ?t?rt d??ling with th? ?itu?ti?n as ???n ?? possible â" because d?bt is ?n? problem th?t, unf?rtun?t?l?, d???nât disappear ?n it? ?wn.iii. M?di??l ExpensesA ?tud? d?n? at Harvard Univ?r?it? indicates th?t thi? is th? biggest ??u?? of b?nkru?t??, r??r???nting 62% of ?ll ??r??n?l b?nkru?t?i??. On? ?f the interesting ??v??t? of thi? study shows that 78% ?f fil?r? h?d some form of h??lth in?ur?n??, thu? bu?king th? m?th that medical bills affect ?nl? the uninsured.R?r? ?r ??ri?u? diseases ?r injuries ??n easily result in hundr?d? ?f thousands of dollars in m?di ??l bill? bills th?t ??n quickly wi?? ?ut ??ving? ?nd r?tir?m?nt ????unt?, college ?du??ti?n fund? ?nd h?m? ??uit?.On?? th??? h?v? b??n ?xh?u?t?d, b?nkru?t?? m?? be the only shelter l?ft, regardless ?f wh?th?r th? patient or hi? ?r h?r f?mil? w?? able t? ???l? health ??v?r?g? t? a portion ?f the bill ?r not. (Find out wh?t ??u ??n do t? ?v?id a fin?n?i?l m?ltd?wn when theres a m?di??l ?m?rg?n??).iv. Job LossWh?th?r du? to l???ff, termination ?r r??ign?ti?n, a r?du?ti?n in income du? t? a d??r???? in ?v?rtim? ?r a ?ut-b??k in total h?ur? worked ?r th? l??? ?f in??m? fr?m a job ??n be ??u?ll? d?v??t?ting.S?m? ?r? lu?k? ?n?ugh t? r???iv? ??v?r?n?? packages, but m?n? find ?ink ?li?? on th?ir d??k? ?r lockers with littl? ?r n? ?ri?r notice. N?t having an ?m?rg?n?? fund t? dr?w from ?nl? w?r??n? thi? ?itu?ti?n, and u?ing credit ??rd? t? ??? bill? ??n b? di???tr?u?.Th? l??? ?f in?ur?n?? ??v?r?g? ?nd the cost of COBRA in?ur?n?? ?l?? drain th? job ???k?r? ?lr??d? limited r???ur???.Th??? wh? ?r? un?bl? t? find ?imil?r g?inful ?m?l??m?nt for an extended period ?f time m?? n?t b? ?bl? t? r???v?r fr?m the l??k of income in tim? t? k??? th? creditors ?t b??v. P??r/Ex???? U?? ?f CreditSome ????l? ?im?l? cant control th?ir spending. Cr?dit card bills, in?t?llm?nt d?bt, car and ?th?r loan ???m?nt? can ?v?ntu?ll? spiral out ?f control, until fin?ll? the b?rr?w?r is un?bl? to m?k? ?v?n th? minimum ???m?nt ?n ???h type of d?bt. If th? b?rr?w?r ??nn?t ?????? fund? fr?m fri?nd? ?r f?mil? ?r ?th?rwi?? ?bt?in a d?bt-??n??lid?ti?n loan, th?n bankruptcy i? u?u?ll? th? in?vit?bl? alternative.Statistics indicate that most d?bt-??n??lid?ti?n plans f?il for v?ri?u? r????n?, ?nd u?u?ll? ?nl? d?l?? filing f?r m??t participants. Alth?ugh h?m?-??uit? l??n? can b? a g??d remedy f?r unsecured d?bt in ??m? ?????, once it is ?xh?u?t?d, irresponsible b?rr?w?r? can f??? f?r??l??ur? on their homes if th?? ?r? unable t? make thi? ???m?nt ?? well.vi. Div?r??/S???r?ti?nM?rit?l di???luti?n? ?r??t? tr?m? nd?u? fin?n?i?l ?tr?in on both ??rtn?r? in several ways. Fir?t of all, you get to pay th? l?g?l f???, which ??n b? ??tr?n?mi??l in ??m? ?????, f?ll?w?d b? a divi?i?n of marital ????t?, d??r?? of child ?u???rt ?nd/?r ?lim?n?, and finally th? ?ng?ing cost ?f keeping u? tw? separate h?u??h?ld? ?ft?r th? split.The legal ???t? ?l?n? are ?n?ugh to f?r?? some t? fil?, while w?g? g?rni?hm?nt? to ??v?r back ?hild ?u???rt ?r ?lim?n? ??n strip ?th?r? ?f th? ability to pay th? r??t ?f their bills. Spouses wh? f?il to ??? the support di?t?t?d in th? ?gr??m?nt ?ft?n l??v? th? other ??m?l?t?l? d??titut?vii. Student L??n?If ??u havenât ??id that ?tud?nt l??n off ??t, ??uâr? n?t ?l?n?. Statistics ?h?w th?t student l??n? account for at l???t ?n? percent of ?ll U.S. b?nkru?t?i??, whi?h translates t? roughly 15,000 b?nkru?t?i?? a ???r.In business, ???ur?d debt ??n g?t v?r? complicated. V?ri?u? business loans may giv? ?r?dit?r? a li?n against intangible aspects ?f th? bu?in???, such ?? ??t?nt?, trad emarks or int?ll??tu?l ?r???rt?. Th? ?r?dit?r ??n ?till r???????? property that h?? a li?n ?g?in?t it, ?v?n if ??m? ??rti?n ?f the debt has b??n di??h?rg?d ???ur?d debt ??nt ?v?r be full? di??h?rg?d. Th? debtor ??n either m?k? the ???m?nt? and k??? th? it?m, ?r ?t?? ???ing ?n the d?bt and h?v? th? item repossessed. S??ur?d ?r?dit?r? are ?lw??? ??id first in a b?nkru?t?? ??ttl?m?nt.TY??? ?F B?NKRU?T?YF?ll?wing the Unit?d Sates b?nkru?t?? laws, th?r? are several types ?f bankruptcy for which individu?l? ?r bu?in????? ??n fil?.Th? m??t ??mm?n are Chapter 7 and Ch??t?r 13.Ch??t?r 7 BankruptcyCh??t?r 7 i? ?l?? ??ll?d straight b?nkru?t?? ?r liquidation b?nkru?t??. Its th? t??? m??t ????l? think about when th? w?rd b?nkru?t?? ??m?? t? mind. In a nut?h?ll, the ??urt ????int? a tru?t?? to ?v?r??? your ????.P?rt of th? trustees j?b i? to t?k? your assets, ??ll th?m ?nd di?tribut? the m?n?? to th? ?r?dit?r? wh? fil? proper ?l?im?. Th? trustee d???nt t?k? ?ll ??ur ?r???rt?. The Ch??t?r 7 bankr uptcy giv?? you a chance t? r???iv? a ??urt judgm?nt th?t releases ??u fr?m responsibility f?r r????ing debts, it allows d?bt?r? t? get rid ?f most ?f th?ir debts and ?t?rt over with a clean ?l?t?.You are permitted to k??? k?? assets, ??n?id?r?d âexemptâ property, but ân?n-?x?m?t ?r???rt?â such ?? a will b? ??ld t? r???? part of your d?bt.Pr???rt? ?x?m?ti?n? v?r? from ?t?t? t? state. You m?? ?h???? to f?ll?w ?ith?r ?t?t? l?w ?r f?d?r?l law, which may ?ll?w ??u t? k??? m?r? possessions.Ex?m?l?? of exempt ?r???rt? include ??ur h?m?, th? ??r you use f?r w?rk, ??ui?m?nt you u?? at w?rk, Social S??urit? ?h??k?, ??n?i?n?, v?t?r?nâ? benefits, w?lf?r? ?nd retirement ??ving?. These thing? canât b? ??ld ?r u??d t? r???? d?bt.N?n-?x?m?t ?r???rti?? in?lud?? thing? like ???h, b?nk ????unt?, ?t??k inv??tm?nt?, coin or stamp ??ll??ti?n?, a ????nd ??r or second home, ?t?. Non-exempt it?m? will be ??ld off ?nd th? proceeds used to repay l?nd?r?.Y?ur ????t? will be ??ld b? a ??urt-????int ?d b?nkru?t?? tru?t??. The ?r????d? g? t?w?rd ???ing th? tru?t??, ??v?ring ?dmini?tr?tiv? f??? ?nd, if fund? allow, r????ing ??ur ?r?dit?r? ?? mu?h as ????ibl?.Ch??t?r 7 is th? m??t ???ul?r form ?f bankruptcy, m?king up 63 ??r??nt ?f individu?l b?nkru?t?? ????? in 2015.Ch??t?r 7 Di??h?rg? of DebtsM??t d?bt? are di??h?rg?d und?r a Ch??t?r 7 b?nkru?t??. Th? di??h?rg? ?f d?bt will release th? d?bt?r fr?m any ??r??n?l li?bilit? f?r ???m?nt. Once a deficit i? di??h?rg?d und?r Ch??t?r 7, th? ?r?dit?r m?? no longer ???k futur? restitution from the ?r?dit?r.Oblig?ti?n? r?l?ting t? ?lim?n?, ?hild ?u???rt, ??m? g?v?rnm?nt d?bt?, in??m? t?x??, ?nd f?d?r?l ?tud?nt l??n? ?r? n?t allowable f?r r?l???? during b?nkru?t??.The l?w is very r??tri?tiv? on di??h?rging m?n?? ?w?d for income t?x?? ?nd ?tud?nt loans. The United St?t?? B?nkru?t?? C?urt lists 21 ??t?g?ri?? ?f n?n-di??h?rg??bl? d?bt?.In m??t in?t?n???, fil?r? r???iv? a discharge approximately tw? m?nth? ?ft?r th? m??ting ?f th? ?r?dit?r?. Th? d?bt?r ?h?uld r?t?in bankruptcy documents, as du?li??t?? ??n b? ???tl?, ?nd ?r?dit?r? m?? attempt t? r???v?r d?bt ?ft?r discharge.Th? in?t?n?? ?f b?nkru?t?? will appear on ?r?dit reports f?r ten ???r? from th? filing d?t?. A person ??nn?t fil? ?nd r???iv? a subsequent Chapter 7 di??h?rg? within ?ight ???r? of a previous Chapter 7 discharge.Examples ?f a Ch??t?r 7 B?nkru?t?? C???Fir?t ?x?m?l?John and Sh?il? h?v? two children. When J?hn w?? discharged fr?m th? Arm? ?ft?r six ???r? ?f service, th? money w?? tight. Aft?r th?ir children w?r? born, John landed a j?b ?? a d?liv?r? m?n, but th? ??l?r? was substantially l??? th?n his military ???. Monthly bills b???m? a ?truggl?, ??n?id?ring th? d??r????d in??m? ?nd in?r????d ?x??n???.Trying t? b? ?m?rt and ?rud?nt, th?? stopped u?ing th?ir credit ??rd?. But there w?? still credit ??rd debt th?t b?g?n early in their m?rri?g?. Th? finance ?h?rg?? ?nd l?t? f??? began t?king a t?ll. Wh?n th? ?r?dit?r? b?g?n ??lling, Sh?il? ?lr??d? w?? unnerv ed whil? ??ring f?r tw? active ?hildr?n.Th? ?r?dit?r? ???n ??ll?d J?hn ?t hi? j?b ?nd ??id th?? w?uld l?g?ll? ??iz? his paycheck. J?hn ?nd Sh?il? decided th?? had ?n?ugh. They contacted a b?nkru?t?? l?w??r for a ??n?ult?ti?n. B? filing a Chapter 7 b?nkru?t??, th?? ?t????d the phone ??ll? and harassment. Their credit-card d?bt w?? eliminated. Because they rented a house ?nd ?wn?d tw? older v?hi?l??, mu?h ?f th?ir life w?? k??t in ?rd?r.S???nd ?x?m?l?Consider M?ri? i? a r?tir?d t???h?r ?n a fix?d in??m?. Sh? ??ld h?r h?m? and m?v?d in with h?r daughter. She h?d ?x??ll?nt ?r?dit b???u?? ?f ?n-tim? ???m?nt? on h?r m?rtg?g?. C?r?ful with her m?n??, ?h? ?l?? h?d no d?bt.Sh? agreed t? ???ign on a m?bil? h?m? l??n for her gr?nd??n ?nd a ??r loan for her gr?ndd?ught?r. H?w could ?h? say no? And h?r credit was ?t?rling.But tw? years l?t?r, th? m?bil? home was r?????????d after th? gr?nd??n was div?r??d. Th? gr?ndd?ught?râ? ??r w?? r?????????d ?ft?r ?h? l??t h?r j?b. There w?? substantial d? bt remaining when th? car ?nd home were sold ?t ?u?ti?n.M?ri?, in f?iling health, was hounded b? ?r?dit?r? who ??ll?d about the d?fi?i?n?? ?l?im?. Maria fil?d a Chapter 7 bankruptcy, whi?h ?t????d th? harassment ?nd eliminated th? deficiency ?l?im?. Her social security and retirement in??m? were ?x?m?t ?nd ?r?t??t?d in the bankruptcy.Chapter 13 BankruptcyChapter 13 bankruptcies make up ?b?ut 30 percent ?f non-business b?nkru?t?? filing?. A Chapter 13 b?nkru?t?? inv?lv?? repaying some ?f ??ur d?bt? t? h?v? th? rest f?rgiv?n. Thi? i? an ??ti?n for ????l? wh? d? not w?nt t? give u? th?ir ?r???rt? or do not ?u?lif? for Ch??t?r 7 because th?ir income i? too high.People can ?nl? fil? f?r b?nkru?t?? und?r Ch??t?r 13 if their d?bt? d? n?t exceed a ??rt?in ?m?unt. Th? ????ifi? cutoff is r??v?lu?t?d periodically, so ??u h?v? t? check with a l?w??r or credit ??un??l?r f?r the most u?-t?-d?t? figures.Und?r Ch??t?r 13, ??u mu?t design a thr??- t? fiv?-???r repayment ?l?n f?r ??ur ?r?dit?r?. On ce ??u ?u?????full? ??m?l?t? the plan, th? r?m?ining debts ?r? ?r???d.H?w?v?r, m??t people d? n?t ?u?????full? finish th?ir ?l?n?. When thi? h????n?, debtors may th?n choose to pursue a Chapter 7 b?nkru?t?? instead. If they dont, ?r?dit?r? th?n ??n r??um? th?ir ?tt?m?t? t? collect th? full b?l?n?? ?w?d.Th? Chapter 13 bankruptcy, or ?im?l? the payment plan, is ?n ?tt?m?t to reorganize your debt ?v?r tim?. It? a gr??t t??l f?r d?bt?r? wh? ?r? behind in h?u?? ???m?nt? ?r ??r payments. Those ???m?nt? ??n be caught u? with th? payment plan over time, th?r?b? saving the h?u?? fr?m foreclosure ?r th? ??r from r????????i?n.Th? ?l?n will ?l?? in?lud? any ???t due ?ri?rit? ?l?im?, lik? alimony, ?hild ?u???rt, ?r recent in??m? taxes.Th? Ch??t?r 13 bankruptcy ??n also in?lud? ???m?nt? t? un???ur?d ?r?dit?r? like credit cards ?nd m?di??l bill?. A ??l?ul?ti?n i? ???li?d t? your in??m? and ?x??n??? t? d?t?rmin? if you h?v? ?n? disposable in??m?, th?t i?, after all other ?blig?ti?n? ?r? m?t.Y?ur? e xpected to d?v?t? ??ur di?????bl? in??m? t? your ?l?n ???m?nt, and th?t ?xtr? m?n?? will be u??d t? ??? unsecured ?r?dit?r? like th??? ?r?dit ??rd? and m?di??l bill?.If you h?v? no di?????bl? income, thats okay, the d?bt? might ?till be di??h?rg?d b???u?? ??uv? d?v?t?d ??ur b??t ?ff?rt to ???ing ??ur bills through Chapter 13.Ch??t?r 13 Discharge of D?bt?Similar to a Chapter 7 b?nkru?t??, at th? ?nd of the ?l?n, most ?r ?ll of ??ur d?bt? will b? di??h?rg?d. Y?u may b? l?ft with d?bt? th?t ?r? n?t di??h?rg?d, lik? ?tud?nt l??n?.A? in Chapter 7, th? Chapter 13 di??h?rg? i? personal, m??ning that if there i? someone wh? is ?l?? ?blig?t?d ?n ?n? ?f the di??h?rg?d d?bt?, h? ?r she is ?till li?bl? for th? d?bt.Ex?m?l? of a Chapter 13 B?nkru?t?? C???What a ?u?????ful Chapter 13 b?nkru?t?? ???li??nt look lik??C?n?id?r J?hn and Cathy, a married ??u?l? with a home that ??rri?r? a $150,000 m?rtg?g?. J?hn works, C?th? doesnât, but th?? fil? j?intl? for Ch??t?r 13 protection. Th? ??u?l? also ?w ?? $7,000 on a car l??n ?nd has nearly $20,000 in credit ??rd debt.Two weeks ?ft?r filing a ??titi?n, th?? ?ubmit a w?rk?ut ?l?n th?t shows how J?hnâ? income ??n b? u??d t? m?k? m?rtg?g? ?nd ??r ???m?nt?, ?nd ??n repay ??rt of the unsecured ?r?dit ??rd d?bt. Th?ir ?l?n includes thr?? ??t?g?ri?? ?f debt: priority secured and un???ur?d.Pri?rit? ?l?im?, whi?h must b? full? ??id, in?lud? th? cost of th? b?nkru?t?? proceeding and t?x?? owed. S??ur?d debts ?r? th??? with ??ll?t?r?l, like a h?u?? ?r a car, ?l?? mu?t b? ??id in full according t? th? bankruptcy ?l?n. R????m?nt ?f un???ur?d d?bt?, lik? m?n?? you ?w? ?n credit ?nd ?h?rg? ??rd?, i? fl?xibl?. Th? judge will r?vi?w ??ur income and th? l?ngth ?f th? repayment plan, and then d??id? how much ??uâll ?w? ??ur un???ur?d ?r?dit?r?. Th? amount ??uld r?ng? fr?m n?thing to ??m?l?t? repayment.F?r J?hn ?nd C?th?, thi? means ???ing ?ll the ??urt ???t? ?nd wh?t?v?r back t?x?? they might owe. It also m??n? th?? will b???m? current ?n th?ir mortgage and ??r ???m?nt?. But the judge will d??id? h?w mu?h th??âll n??d to pay th? ?r?dit ??rd ??m??ni??.On?? th?ir ?l?n i? ?????t?d, the ??u?l? will begin m?king ???m?nt? t? a ??urt-????int?d tru?t?? who will b? responsible f?r monitoring their progress ?nd ??nv??ing the money to the ?r?dit?r?.Oth?r Diff?r?nt Types ?f BankruptcyChapter 9: Th? chapter 9 i? d??ign?d f?r ?nl? t? cities or towns. It ?r?t??t? municipalities fr?m creditors whil? the ?it? d?v?l??? a ?l?n for handling it? d?bt?. Thi? typically happens wh?n indu?tri?? ?l??? ?nd ????l? l??v? to find w?rk ?l??wh?r?. Th?r? w?r? 20 Chapter 9 filing? in 2012, th? most since 1980. Detroit w?? among th??? filing in 2012, and i? th? largest ?it? ?v?r t? fil? Chapter 9. D?tr?itâ? GDP shrunk b? 12.2% in th? 10 years ?ri?r to d??l?ring b?nkru?t??. The ?v?r?g? m?j?r m?tr? gr?wth in th?t time w?? 13.1%.Chapter 11: Thi? i? d??ign?d for bu?in?????. Chapter 11 i? often referred to ?? âreorganization bankruptcyâ b???u?? it gives bu?in????? a chance to stay ???n while th?? r??tru?tur? th? bu?in???â d?bt? ?nd ????t? ?? it ??n ??? b??k ?r?dit?r?. This is used ?rim?ril? by l?rg? ??r??r?ti?n? like General M?t?r?, Cir?uit Cit? and United Airlin??, but ??n be u??d b? any ?iz? bu?in???, including partnerships ?nd in ??m? r?r? ?????, individu?l?. Th?ugh the bu?in??? ??ntinu?? t? ???r?t? during b?nkru?t?? ?r????ding?, most ?f th? decisions ?r? m?d? with ??rmi??i?n from the ??urt?. Chapter 11 i? ?ll ?b?ut r?h?bilit?ti?n. It giv?? companies th? chance to ?t?? in business ?nd ??ntr?l th? bankruptcy ?r????? at th? ??m? tim?. H?w?v?r, r??rg?niz?ti?n is ??m?l?x and ?x??n?iv?. B?ndh?ld?r? ?nd ?h?r?h?ld?r? inv?lv?d with Ch??t?r 11 b??r unu?u?ll? high risk, ?nd their ???uriti?? ?r? likely t? b???m? worth pennies on th? d?ll?r. In th? ???t, a business h?d ?n ?lm??t unlimit?d ?m?unt ?f time to come u? with th?ir r??rg?niz?ti?n ?nd payment ?l?n. Th? B?nkru?t?? Abu?? Pr?v?nti?n ?nd Consumer Protection Act of 2005 im????? a 120- d?? tim? limit. If th? debtor h?? not submitted a ?l?n within th?t ??ri?d, ?r?dit?r? can ?ubmit their ?wn ?l?n?. A t??i??l ?x?m?l? of chapter 11 case i? that ?f worldcom, in 2002 with ?v?r $41 billi?n debt l??d.Chapter 12: Ch??t?r 12 b?nkru?t?? i? another ?ub??t ?r t??? ?f b?nkru?t??. it i? ?nl? ?v?il?bl? to âfamily f?rm?â ?nd âfamily fi?h?rm?nâ and giv?? th?m a chance t? ?r????? a ?l?n to r???? all or part of th?ir debts. Th? court h?? a ?tri?t d?finiti?n of wh? ?u?lifi?? ?nd itâs based ?n r???iving r?gul?r annual in??m? ?? a f?rm?r ?r fi?h?rm?n. An individual or m?rri?d ??u?l? with a f?rming or commercial fi?hing ???r?ti?n may fil? f?r Ch??t?r 12. Al??, it i? im??rt?nt t? n?t? that debts f?r individuals, ??rtn?r?hi?? ?r corporations filing f?r Ch??t?r 12 canât ?x???d $4.03 milli?n f?r f?rm?r? ?nd $1.87 f?r fi?h?rm?n. Th? r????m?nt ?l?n mu?t b? ??m?l?t?d within fiv? ???r?, though ?ll?w?n??? ?r? m?d? f?r th? ?????n?l nature of both farming ?nd fi?hing.Chapter 15: Chapt er 15 ???li?? t? cross-border in??lv?n?? ?????, in which th? d?bt?r h?? ????t? ?nd d?bt? both in the United States and in ?n?th?r country. Thi? chapter w?? ?dd?d t? th? b?nkru?t?? ??d? in 2005 ?? ??rt ?f th? B?nkru?t?? Abuse Pr?v?nti?n and Consumer Pr?t??ti?n Act. Chapter 15 cases start ?? financial ruin ????? in a f?r?ign ??untr? ?nd make their w?? t? the U.S. C?urt? to try ?nd ?r?t??t fin?n?i?ll? tr?ubl?d bu?in????? fr?m g?ing und?r. Th? U.S. ??urt? limit their scope ?f ??w?r in th? ???? t? ?nl? the ????t? or persons th?t ?r? in th? Unit?d St?t??. Th? number ?f ????? fil?d under Chapter 15 ?in?? 2005 t? 2017, was 6 and 178 respectively. S?m? recent Ch??t?r 15 filing? in?lud? Alitalia S?A, th? It?li?n ?irlin?, U.S. St??l Canada (f?rm?rl? kn?wn ?? Stelco), ?nd M??d Mu?i? (f?rm?rl? Muz?k).FILING PROCESS FOR BANKRUPTCYG?tting the right help wh?n ??u fil? f?r bankruptcy is ?ru?i?l to it? ?u?????, wh?th?r ??u file ?n ??ur own, g?t a l?w??r, ?r u?? a b?nkru?t?? ??titi?n ?r???r?r. Conside r seeking a ??n?ult?ti?n with ?n attorney t? h?l? you d??id? wh?th?r ??u need l?g?l representation ?r ??n ?im?l? g? it ?l?n?.M?n? b?nkru?t?? attorneys offer initial consultations fr?? ?f ?h?rg?.Bankruptcy is n?t simply a m?tt?r of telling a judge âIâm br?k?!â ?nd throwing ??ur??lf ?t the mercy ?f th? ??urt. There is a ?r????? â" a ??m?tim?? ??nfu?ing, sometimes ??m?li??t?d ?r????? â" which individuals ?nd bu?in????? must w?d? thr?ugh t? b? ?u?????ful.How t? File f?r B?nkru?t??Following th? Unit?d State ???t?m, b?f?r? a bankruptcy ???? i? fil?d, youll have to g?th?r ?ll ??ur financial records lik? bank ?t?t?m?nt?, ?r?dit ??rd statements, l??n d??um?nt?, ?nd paystubs.Thi? n?t only gives you a b?tt?r und?r?t?nding ?f your ?itu?ti?n, but also gives anyone h?l?ing ??u (?nd ?v?ntu?ll? the ??urt) a better und?r?t?nding ?f th? d?bt.Y?ull ?l?? use th?t information to fill ?ut th? b?nkru?t?? ??titi?n, ??h?dul??, statement ?f financial affairs, and other documents th?t will b? fil?d wi th the ??urt.Th? n?xt step i? t? r???iv? credit ??un??ling within 180 d??? before filing your ????. Thi? is a r??uir?d ?t??. Y?u must ?bt?in ??un??ling fr?m ?n ???r?v?d provider li?t?d on th? United States C?urt? w?b?it?. Most counseling agencies ?ff?r thi? service ?nlin? ?r over th? phone.Th? courts w?nt you t? d? thi? t? make ?ur? ??u have ?xh?u?t?d ?ll ????ibiliti?? ?f finding a diff?r?nt w?? to h?ndl? ??ur ?r?bl?m. Itâ? important t? und?r?t?nd th?t ?r?dit counseling is r??uir?d. Y?u will r???iv? a ??rtifi??t? ?f ??m?l?ti?n from th? course ?nd thi? mu?t b? ??rt ?f the ????rw?rk wh?n you d??l?r? b?nkru?t??, ?r ??ur filing will b? r?j??t?d.N?xt, you fil? th? petition f?r b?nkru?t??. If ??u h?v?nât d?n? ?? ?t thi? point, thi? might be wh?r? ??u realize ??u n??d t? find a b?nkru?t?? l?w??r. L?g?l ??un??l i? not a r??uir?m?nt f?r individu?l? filing f?r ?ith?r Ch??t?r 7 or Chapter 13 b?nkru?t??; h?w?v?r ??ur? taking a ?ignifi??nt ri?k if ??u ??l??t to r??r???nt yourself.F?r ?n? thi ng, ??u m?? not understand f?d?r?l or ?t?t? bankruptcy laws ?r b? ?w?r? whi?h l?w? ???l? to ??ur ????, ?????i?ll? r?g?rding wh?t d?bt? ??n ?r ??nât b? di??h?rg?d. Judges ?r? n?t permitted t? ?ff?r ?dvi?? and n?ith?r is th? court ?m?l????? inv?lv?d in a ????.Th?r? ?l?? are m?n? f?rm? t? ??m?l?t? and ??m? im??rt?nt diff?r?n??? b?tw??n Chapter 7 and Ch??t?r 13 th?t you should be ?w?r? of when m?king d??i?i?n?. Fin?ll?, if you d?nât kn?w ?nd f?ll?w th? ?r???r procedures and rul?? in ??urt, it ??uld ?ff??t th? ?ut??m? ?f your case.Wh?n ??ur ??titi?n is ?????t?d, your ???? is ???ign?d to a ??urt trustee, wh? ??t? u? a meeting with your creditors. You must attend th? m??ting, but the ?r?dit?r? d? not have to b? there.Thi? m??ting with ?r?dit?r? is kn?wn ?? the 341 m??ting, r?f?rring t? ???ti?n 341 of the Bankruptcy ??d?. Thi? i? ?n opportunity f?r them t? ask ??u ?r the court trustee questions ?b?ut ??ur ???? ?nd why ??u ?r? filing f?r bankruptcy. Arrangements f?r ??lling ??ur n?n-?x?m ?t ?r???rt? are m?d?.Also, arrangements ?r? m?d? f?r ?r???rt? pledged ?? ??ll?t?r?l in ???ur?d l??n?B?f?r? m??t debtors can r???iv? a di??h?rg? of d?bt, th?? will h?v? t? t?k? a ??ur?? in financial m?n?g?m?nt. This class is lik?l? t?ught by the ??m? group th?t ??u used for the ?r?dit counseling.And fin?ll?, if the trustee and th? ?r?dit?r? do not ?bj??t to th? d?bt?r? di??h?rg?, the bankruptcy ??urt will automatically giv? th? d?bt?r a discharge at ??m? ??int after the last d?? t? object. Th? l??t d?? t? fil? a ??m?l?int ?bj??ting t? a d?bt?r? di??h?rg? i? 60 days ?ft?r the fir?t session ?f the meeting of ?r?dit?r?.If n? ??m?l?int is fil?d, the di??h?rg? is u?u?ll? ?nt?r?d ??v?r?l d??? later. The di??h?rg? prevents creditors fr?m attempting t? ??ll??t ?n? debt ?g?in?t you ??r??n?ll?, th?t arose ?ri?r to the filing ?f th? b?nkru?t??.Thu?, for all int?nt? ?nd purposes, th? di??h?rg? effectively wi??? ?ut debtsC?N??QU?N??? ?F B?NKRU?T?Y Alth?ugh th?r? ?r? many m?th? surrounding b?nkru? t??, filing f?r bankruptcy d??? in fact h?v? ??v?r?l factual ??n???u?n??? th?t you should consider. Some of these ??n???u?n??? ?r? positive, ??m? n?g?tiv?, ?th?r? are ??m?wh?r? in b?tw??n.Lik? ?n? other l?g?l ?r?????, th?r? ?r? various factors th?t you ?h?uld w?igh before und?rt?king a b?nkru?t?? filing.H?w?v?r, b?nkru?t?? i? a unique legal process, ?nd ?? a r??ult, many n?n-b?nkru?t?? l?w??r? can b? quite ??nfu??d b? it? consequences.Alw???, your b??t b?t wh?n ??ur? thinking ?b?ut filing a Ch??t?r 7 ?tr?ight b?nkru?t?? ?r a Ch??t?r 13 repayment ?l?n case i? t? ??n?ult with a qualified ??n?um?r b?nkru?t?? ?tt?rn??. H?r? ?r? ??m? ??n???u?n??? of b?nkru?t??.Personal Di??h?rg?St?rting off ?n a ???itiv? n?t?, ?n? consequence of completing th? b?nkru?t?? ?r????? i? th? discharge. Th? di??h?rg? i? a permanent ?rd?r fr?m the bankruptcy ??urt th?t forever ?r?v?nt? ??ur ?r?dit?r? fr?m tr?ing t? collect ?n most debts that ??u incurred b?f?r? ??u fil?d f?r bankruptcy and this takes th? pressur e ?ff ??u.There ?r? ?x???ti?n?.S?m? debts cannot b? di??h?rg?d in b?nkru?t?? (lik? r???nt taxes, alimony, ?hild ?u???rt, ?nd a f?w ?th?r?), ?nd ??m? ??n b? discharged und?r ??rt?in ?ir?um?t?n??? (?tud?nt l??n?). Th? di??h?rg? is the u?u?ll? the ultimate g??l of bankruptcy and ??n b? considered the m??t positive ??n???u?n??.H?w?v?r, a n?g?tiv? ?????t of th? di??h?rg? i? that it d??? not ?xt?nd t? ??ur property. For example, if ??ur h?m? loan lender h?? a right ?f ???????i?n ?n ??ur h?u??, thi? right will remain ?ft?r bankruptcy, and the l?nd?r ??uld be fr?? to f?r??l??? ?n your home if ??u d?f?ult ?n ??ur l??n.Y?u may b? ?bl? to w?rk ?ut a d??l with ??ur lender for wh?t i? called a reaffirmation, ?n agreement t? t?k? th? l??n ?ut of b?nkru?t??. But that would r??uir? th?t ??u ??ntinu? m?king ???m?nt?.The discharge ?l?? d??? n?t extend t? ?n? ?th?r ??r??n who owes ?n the ??m? d?bt. F?r ?x?m?l?, if you and ??ur brother both use th? ??m? ?r?dit card f?r purchases, the di??h?rg? w?uld ?? ??nti?ll? erase the d?bt as to you, but n?t ?? to your brother.PrivacyA n?g?tiv? ??n???u?n?? of filing f?r b?nkru?t?? i? th?t ?v?r?thing ??u fil? with the ??urt, including ?ll ?f ??ur b?nkru?t?? schedules, which contain ??ur ??r??n?l fin?n?i?l inf?rm?ti?n, ??n b? ???????d b? th? ?ubli?.But in r??lit?, unl??? ??m??n? has a r????n t? kn?w ??ur? in b?nkru?t??, th? ?h?n?? ?f ??m??n? ?th?r th?n a ?r?dit?r ??????ing the information i? v?r? ?m?ll.A l??k of ?riv??? i? th? ?ri?? ?n? ???? f?r the great benefit provided by a b?nkru?t??. F?r ??m? individu?l?, the lack ?f privacy m?? be a deal breaker. H?w?v?r, in ??m??ri??n with th? result you g?t with b?nkru?t??, th? privacy factor ??n ???m f?r l??? significant.NOTE: Very sensitive inf?rm?ti?n i? ?r?t??t?d. F?r in?t?n??, ??u can only in?lud?:th? last f?ur digit? of th? social-security numb?r ?nd t?x????r-id?ntifi??ti?n numb?r;th? year ?f an individu?l? birth;a min?r? initi?l?; andth? l??t f?ur digits ?f a financial-account numb?r.P???ibl? L??? ?f Pr???rt?Pr?b?bl? the most n?g?tiv? consequence ?f b?nkru?t?? is th?t ??u m?? l??? ??m? ?f your ?r???rt? to the b?nkru?t?? trustee.Em?h??i? ?n th? w?rd m??! If ??u ?r? able to ?u?????full? ?x?m?t ?ll of ??ur ?r???rt? the tru?t?? will n?t b? ?bl? t? ??ll it. Ev?n if you cannot exempt all ?f your ?r???rt?, it m?? not b? w?rth it for a trustee t? ??ll ??ur ?r???rt?.For ?x?m?l?, if it is going t? ???t $1000 to ?u?ti?n ?ff a car th?t i? w?rth $850, th? tru?t?? i? lik?l? g?ing to l?t ??u k??? th? ?r???rt?. Th? tru?t?? will only ??ll ??ur n?n-?x?m?t ?r???rt? if he ?r ?h? b?li?v?? th?t a n?t g?in ??n b? ?bt?in?d.Automatic St??An?th?r positive ?????t ?f filing f?r bankruptcy i? th? ?ut?m?ti? ?t??. Th? ?ut?m?ti? ?t??, ?? the name suggests, i? an ?rd?r ?f th? b?nkru?t?? court th?t goes int? ?ff??t as soon as ??u fil? your b?nkru?t?? case. The ?ut?m?ti? ?t?? i? v?r? broad ?nd prevents ?r?dit?r? from d?ing ?n?thing t? collect a debt from you, such as calling ??u, writing you a collection lett er, ?uing you, ?nd ?th?r ??ti?n?.Th? ?ut?m?ti? ?t?? remains in ?ff??t to ?r?t??t you until th? b?nkru?t?? ??urt i??u?? your di??h?rg?. Th? stay continues in ?ff??t ?? t? property ?f the bankruptcy ??t?t? until the ???? i? closed (in most cases, shortly ?ft?r the di??h?rg? i? i??u?d).Alth?ugh, in ??m? ????? like t?x ?r????ding? during a t?x ?udit ?r t?x ??????m?nt, or ?u???rt ??ti?n? ?u?h ?? ?hild ?u???rt ?r ?lim?n?, ?r criminal ?r????ding?, th? automatic ?t?? will n?t h?l? you.Cr?dit ScoreThe change in your ?r?dit score ?? th? result ?f a bankruptcy filing i? mix?d. Usually, a b?nkru?t?? filing will ?u?h ??ur score t? th? b?tt?m ?f the proverbial b?rr?l. A Ch??t?r 7 filing will ?t?? ?n your credit r???rt for 7-10 ???r?, whil? a Ch??t?r 13 will remain th?r? f?r ??v?n.And ?n? ?r?dit?r? ??u hit up for d?bt (? l??n, ?r?dit ??rd, lin? ?f ?r?dit ?r mortgage) will ??? the di??h?rg? on ??ur r???rt, which will ?r?v?nt you fr?m getting any ?r?dit. Th? exact im???t ?n your ???r? d???nd? on h?w much d?bt was discharged and how m?n? diff?r?nt accounts w?r? involved. For instance, bankruptcy may have v?r? littl? im???t ?n someone wh? ?lr??d? has b?d ?r?dit â" which i? ?ft?n the case f?r filers.Thi? might apply t? ????l? with ???r?? of 500 ?r l?w?r. And thi? ??n b? a gr??t concern f?r m?n? people.H?w?v?r, you ??n slowly r?build your credit ?ft?r th? b?nkru?t?? and in?r???? your ?r?dit ???r? t? a ??int high?r th?n before you fil?d for b?nkru?t??. Alth?ugh a b?nkru?t?? will ?t?? ?n ??ur ?r?dit r???rt f?r many ???r?, it many tim?? will h?v? a n?t ???itiv? effect in the ?nd.FINAL THOUGHTSAlw??? r?m?mb?r th?r? ?r? ?th?r w??? of h?ndling ??ur d?bt. M??t ????l? ??n?id?r bankruptcy ?nl? ?ft?r they ?ur?u? d?bt ??n??lid?ti?n or debt settlement. Th??? options can help ??u get your finances back ?n tr??k and wont n?g?tiv?l? im???t your ?r?dit ?? much ?? a bankruptcy.Debt consolidation combines ?ll ??ur loans and d?bt t? h?l? you m?k? r?gul?r and tim?l? payments on your d?bt?. D?bt ??tt l?m?nt ?n th? ?th?r h?nd i? a means ?f negotiating with ??ur creditors to l?w?r your balance. If ?u?????ful, it dir??tl? r?du??? ??ur d?bt?.S? ?lw??? ???k th? b??t l?g?l ?nd financial ?dvi?? b?f?r? filing for b?nkru?t??. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-12532799233886268302020-05-21T16:13:00.001-07:002020-05-21T16:13:05.415-07:00Gender Differences, Gender, And Women - 885 Words The 3 key Themes, surround men in the 1900s when they did not respect women out of there wifely duties. In the 1900s women generally had fewer legal rights and career opportunities than men. Wifehood and motherhood were regarded as femaleââ¬â¢s professions. ââ¬Å"A man in the 19th century owned his wife and children as he did his material possessions.â⬠(Susan gazelles). Most middle and upper class women had servants to do some or all of the housework. Some women were involved in, teaching in schools for poor children, making clothes for the poor and running kitchens. Also ways women were treated first was measured in what class you were in, then carried off unto if you were pretty or not then ended with what religion you were in. Women always had it hard just like African Americans in the 1900s The 3 Themes that are seen throughout the play Trifles are gender differences, females having an identity and women vs. men. I will explain the great meanings behind the messages of t hese powerful and symbolic themes The 1st theme surrounding gender differences is first found when we realize that most of the story, the two genders are separated socially and mentally. Glaspell shows examples of this throughout the play, and also demonstrates it through the characters actions These were trifles to the men but in reality they told the story and only the women could see thatâ⬠(Sherif 774). In Trifles, the men believe that they give females an identity by the females not having a first nameShow MoreRelatedGender Differences In Women1060 Words à |à 5 PagesThis integrative review explores the difference of the onset-to-hospital arrival time between females and males with acute strokes. The results demonstrate that the means and medians of the hospital arrival times among female patients seem to have more delay than male patients, particularly in the Asian-Pacific region. 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Firstly, it is imperative that gender and personality have a clear definition to prevent confusion. Gender is a psychological perception of masculinity and femininity and can beRead MoreGender Differences Between Men And Women1861 Words à |à 8 Pageswestern culture frequently dismisses the concept of men and women holding highly distinguishable traits that denote respective functions in society. Such movements insinuate that the objective of absolute equality between the sexes has been met, despite history presenting an entirely co ntrasting view of gender roles that have perpetuated inequality in the minds of mankind. In order for one to fully comprehend the continual battle that women have fought against the stereotypes that history has triedRead MoreGender Differences Between Men And Women892 Words à |à 4 PagesRegardless of the standard definition, gender differences cause the meaning of attractiveness to vary among society. Cultural influences suggest that the ââ¬Å"beauty is in the eye of the beholderâ⬠is false. Aside from the specific guidelines towards what men and women perceive, men take attractiveness more serious than do women. It has been proven that both men and women compare body image and asymmetry when determining someoneââ¬â¢s attractiveness, or lack there of. However, there are certain cases whereRead MoreGender Differences Between Men And Women Essay1533 Words à |à 7 Pagescontrast in social interactions between men and women, yet I have had difficulty pin-pointing the exac t differences. Obviously, the military utilized abrasive and assertive speech, and I correlated it to professional differences rather than gender differences. However, learning the subconscious tendencies of communication polarities with men and women, and introspectively looking back at past interactions, forced me to realize it may be just as much a gender gap as a professional one. I always wonderedRead MoreGender Differences Between Men And Women Essay2523 Words à |à 11 PagesThe ââ¬Å"male normâ⬠is an important concept for understanding womenââ¬â¢s history, gender history, and the history of sexuality in classical Athens. Women and Gender in Early Modern Europe, explains the importance of studying women, as well as studying gender. Historians studying gender ââ¬Å"note that what are usually described as the ââ¬Å"biologicalâ⬠differences between men and women are themselves influenced by ideas about gender, with a single polarity (man/woman) so strong in western culture that individuals lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-52204098324056956282020-05-06T23:32:00.001-07:002020-05-06T23:32:15.248-07:00Argumentative Essay On Abortion - 1380 Words Abortion the deliberate termination of a human pregnancy, most often performed during the first 28 weeks of pregnancy. Abortion is one of the most common medical procedures preformed in the United States each year. More than 40% of all women will end a pregnancy by abortion at some time in their reproductive lives. Abortion, it is simply the one of the most debated issue in our society today. ââ¬Å"Is abortion bad?â⬠ââ¬Å"Is the fetus a baby?â⬠ââ¬Å"Why is it bad to kill a fetus if itââ¬â¢s not living?â⬠The simple answer to these questions is yes and no. Each personââ¬â¢s perception on abortion really comes down to your own decision whether if you think abortion is good or bad. Today in society now what is most common to do in situations like these is to comesâ⬠¦show more contentâ⬠¦Most women tend to feel more satisfaction going through the medical procedure because it they dont go through the risk of having surgery. Surgical abortions involve the m anual labor for a doctor to go up into the cervix and uterus and extract the fetus from the womb. This procedure can cause serious infections to the womans parts and can also be extremely painful due to the surgical instruments used in the procedure. In some cases abortion might be a beneficial factor in which it can prevent the life endangerment of the mother and in some cases prevent abandonment from the mother not being able to handle the baby or take care of it. But a vast majority of abortions are made when women are raped and become pregnant from aggressors.Theyre often aborting the fetus to forget the unwanted memory of rape. But a lot of young girls who get pregnant get an abortion cause they canââ¬â¢t simply take care of the child due to school college etc theyre putting themselves first so when they are ready for a baby they can financially support a child. If a young teen was to have the baby instead then all the focus will go to the baby and the young mother wouldn t be able to continue her dreams of pursuing a college career. The carrier or future mother should have the full responsibility whether if she wants to abort the fetus or have a baby. Having a baby can be difficult and in some cases very expensive. Some women may also abort the fetusShow MoreRelatedAbortion Argumentative Essay : Abortion934 Words à |à 4 PagesJensen English April 29, 2014 Abortion Argumentative Essay On average about 41.6 million unborn children are aborted every year. Abortion is killing an unborn baby and it should be illegal. Abortion is wrong because it supports irresponsibility by parents. It gives the unborn children no choice or opportunity at life. In addition, instead of abortion, parents could put up the child for adoption, benefiting people that cannot have children of their own. Abortion supports irresponsibility byRead MoreArgumentative Essay: Abortion1075 Words à |à 5 PagesIn my argumentative Essay, I am arguing that abortion is wrong and not to be mistaken with Abortion should be made illegal. I will explain later why I have made this statement. Abortion is the termination of an unborn child in its mothers womb for up to twenty four weeks of the pregnancy or in special circumstances e.g. Disability diagnosis a termination right up until the mother goes in to labour. I think the above definition is an easier and less harsh way of saying that abortionRead MoreAbortion - Argumentative Essay1093 Words à |à 5 PagesARGUMENTATIVE ESSAY ÃâABORTION Our world today is full of unsolved, devisive and controversial issues. Most of them relate to our morals, ethics and religion, thus creating a very strong Ãâyes and Ãâno, or Ãâgood and Ãâbad side. Like the Chinese Yin and Yang sign, abortion has a very prominent Ãâblack and Ãâwhite side but also contains traces of each in the alternating colour. This shows that if you were to come to any kind of conclusion on abortion, there would still be a downside toRead MoreArgumentative Essay On Abortion1304 Words à |à 6 PagesIn this argumentative essay I would like you, the reader to consider a public issue from my perspective and my belief system on the matter. Iââ¬â¢ll be supporting my view on a common and overlooked procedure conducted by women and medical doctors within a walk in clinic and home. This procedure is known as an Abortion, also known as a voluntary abortion. The definition provided by Dictionary.com isà ââ¬Å"the removal of an embryo or fetus from the uterus in order to end a pregnancy.â⬠There have been manyRead MoreArgumentative Essay On Abortion1546 Words à |à 7 Pagesmother.â⬠Abortion is the way of ending pregnancy by removing the fetus or embryo before it can survive outside the matrix, which can also allow women to choose whether they want to become a mother or not. However, people have developed the controversy about abortions. Abortion debate is an ongoing debate which has involved moral, legal, biological and religious status of the induced abortion. In this controversy, there are two groups emerged. The group of people who hold the opinion that abortion shouldRead MoreArgumentative Essay On Abortion1364 Words à |à 6 PagesAbortion is known as the termination of human pregnancy. There are mixed opinions from the public on whether abortion is considered murder or not. This topic has always been controversial and there is no sign of it being left alone. There are two groups of people related to abortion. Those are pro-life and pro-choice, pro-life o ppose abortion and pro-choice is for abortion. There have been many court cases on the topic of abortion, such as Roe v. Wade, Doe v. Bolton, Baird v. Bellotti, and HarrisRead MoreArgumentative Essay On Abortion1011 Words à |à 5 Pages Abortion is the termination of a human pregnancy. ââ¬Å"More than 60% of the worldââ¬â¢s population lives in countries where induced abortion is permitted either for a wide range of reasons or without restriction as to the reason. In contrast, 26% of all people reside in countries where abortion is generally prohibited.â⬠as stated by The Worldââ¬â¢s Abortion Laws Map. Abortion is appalling and should be outlawed. Not only is it the excretion of a fetus, what a baby has developed from, from the uterus by naturalRead MoreArgumentative Essay On Abortion979 Words à |à 4 PagesAbortion is one of the most well-known and debated topics in todayââ¬â¢s society. Although so many people seem to have such a strong opinion on abortion, there are many teens today who donââ¬â¢t really understand what abortion actually is. With todayââ¬â¢s technology, though, our understanding of it is also growing. According to Merriam Webster, abortion means the termination of a pregnancy after, accompanied by, resulting in, or closely followed by the death of the embryo or fetus. (https://www.merriam-websterRead MoreArgumentative Essay On Abortion964 Words à |à 4 PagesTexas Abortion As a sophomore, you are used to getting texts asking about what homework is due tomorrow. I never expected to get a text from my best friend saying she was pregnant and scared because she did not know what to do. I grew up in the catholic faith, and pre marital sex is not accepted, and abortion was blasphemy towards life. But my best friend grew up in a pro choice family, and later told me that she received an abortion. I was confused about her choice and how it was legal for herRead MoreArgumentative Essay On Abortion789 Words à |à 4 Pages Abortion and Womenââ¬â¢s Health Is abortion murder? Abortion is the medical or surgical procedure that ends a pregnancy. It has been a controversial issue ever since it has existed. In Roe v. Wade (1973), the US Supreme Court ruled that the Constitution protects a womanââ¬â¢s right to an abortion through the end of the first trimester or the twelfth week of pregnancy. Psychological and physical as well as negative effects on the society because of abortions. The abortion rights have brought lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-23711126748122889932020-05-06T08:11:00.001-07:002020-05-06T08:11:41.244-07:00Influence of 16th Century Society on English Literature Free Essays The Sixteenth Century (1485-1603) Literary works in sixteenth-century England were rarely if ever created in isolation from other currents in the social and cultural world. The boundaries that divided the texts we now regard as aesthetic from other texts that participated in the spectacles of power or the murderous conflicts of rival religious factions or the rhetorical strategies of erotic and political courtship were porous and constantly shifting. It is perfectly acceptable, treating Renaissance texts as if they were islands of the autonomous literary imagination. We will write a custom essay sample on Influence of 16th Century Society on English Literature or any similar topic only for you Order Now One of the greatest writers of the period, Sir Philip Sidney, defended poetry in just such terms; the poet, Sidney writes in The Defence of Poetry(NAEL 1. 933-54), is not constrained by nature or history but freely ranges ââ¬Å"only within the zodiac of his own wit. â⬠Many sixteenth-century artists, such as Christopher Marlowe, Edmund Spenser, and William Shakespeare, brooded on the magical, transforming power of art. This power could be associated with civility and virtue, as Sidney claims, but it could also have the demonic qualities manifested by the ââ¬Å"pleasing wordsâ⬠of Spenserââ¬â¢s enchanter, Archimago (NAEL 1. 63), or by the incantations of Marloweââ¬â¢s Doctor Faustus (NAEL 1. 990-1025). It is significant that Marloweââ¬â¢s great play was written at a time in which the possibility of sorcery was not merely a theatrical fantasy but a widely shared fear, a fear upon which the state could act with horrendous ferocity. Marloweââ¬â¢s tragedy emerges not only from a culture in which bargains with the devil are imaginable as real events but also from a world in which many of the most fundamental assumptions about spiritual life were being called into question by the movement known as the Reformation. Catholic and Protestant voices struggled to articulate the precise beliefs and practices thought necessary for the soulââ¬â¢s salvation. One key site of conflict was the Bible, with Catholic authorities trying unsuccessfully to stop the circulation of the unauthorized Protestant translation of Scripture by William Tyndale, a translation in which doctrines and institutional structures central to the Roman Catholic church were directly challenged. The Reformation is closely linked to many of the texts printed in the sixteenth-century section of Spenserââ¬â¢s Faerie Queene (NAEL 1. 628-772), for example, in which a staunchly Protestant knight of Holiness struggles against the satanic forces of Roman Catholicism. Text: The Norton Anthology of English Literature Vol. 1. 6th ed. (NAEL) How to cite Influence of 16th Century Society on English Literature, Papers lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-64658377547223604132020-04-25T14:51:00.001-07:002020-04-25T14:51:03.258-07:00Why Should We Honor Our Veterans Essay Essay ExampleWhy Should We Honor Our Veterans Essay Paper A veteran is someone who fought in a war as a soldier, sailor, etc. However, this definition is not close to describing he heroism of these veterans, who lay down their lives for American freedom. Jeff Miller once said, move willingness of Americas veterans to sacrifice for our country has earned them our lasting gratitude. On Veterans Day, we gather to honor those who have served our country, whether it was five years ago, or fifty. Whether they served in the Persian Gulf, or Bosnia, we gather to revere them and give them the respect and the thanks that they deserve. We thank them for protecting us from those who mean to do us harm. After all they have done for us, medals seem insufficient. All veterans deserve to be recognized for their valiant actions. Veterans, who have served in wars, such as Vietnam, the Korean Expedition, and most recently, the war in Iraq, had to spend months at a time, not only away from their family, but also in very dangerous battle zones. In 2010, Sergeant Salvatore A. Giant sprinted through heavy fire to get his squad leader to safety in Afghanistan. He fired at the enemy while running straight through their lines. Like this, they had to be willing to compromise their lives in order to save a fellow soldier or innocent civilian. We will write a custom essay sample on Why Should We Honor Our Veterans Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Why Should We Honor Our Veterans Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Why Should We Honor Our Veterans Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer With every war we have fought, some of these people have died, been wounded or have been driven mad from mental anguish and are forced to relive their traumatic experiences. Veterans are true heroes, and they will always be in the hearts and memories of all Americans. Everyone in the United States should use this one day not as a day to relax, but as a day to honor the veterans who have strives to work towards protecting our freedom. Veterans who willingly put their lives in danger to ensure our freedom, deserve to be recognized as heroes in my eyes, as well as everybody else. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-51147094670128854812020-03-18T08:15:00.001-07:002020-03-18T08:15:03.277-07:00Micro-analysis Tablet Industry Essay ExampleMicro Micro-analysis Tablet Industry Paper Micro-analysis Tablet Industry Paper It can also be argued that the increase in sales could be driven by back-Washbowl promotions. Because the tablet PC market is reaching its maturity stage because of the growing number of sellers, the choice available to the consumer is big. The worldwide tablet market is led by Apples Pad product line. Although Apples market share decreased with % In one year, it maintains its leading position in 2014 with 22,8 % share of the market. Samsung is ranked on the second place with 18,3 % of the market share. SASS holds a number three position despite its decreased market share from 7. 4% in 2013 to 6. 5% in 2014. Leno, who occupied the number 3 position in the second quarter of 014, digressed to the 4th position with only 3 million units with a 5. 7% QUO market share. Finally, RCA achieved Its number five position by shipping 2. 6 million units and also bumping their market shares up to We could therefore state that the tablet industry is a oligopoly with Apple occupying the leading position, challenged by Samsung and SASS, Leno and RCA as main followers in this market. Brief analysis of Porters Five Forces In this paragraph the five factors of the Porters Five Forces Model will be briefly discussed. Firstly, the extend of competitive rivalry Is quite high due to the large umber of competing companies. Although it is forecasted that Apple and Samsung are going to remain their leading position in the medium term, it is possible that these leaders could be challenged by other companies since more and more competitors are starting to appear in the table industry. As we can see in the table above, 41 . 8% of the market share is hold by other companies than the top five vendors of tablets and they are all trying to obtain market share. There Is a big competition between the tablet companies because innovation is needed to survive n this industry as technologies continue to transform. Concerning the bargaining power of buyers, customers can switch tablet brand without actual costs. They have the choice between a large number of different tablets from different companies. Because these products arent largely differentiated, every type of customer can choose every type or brand of the tablet. The only factor that could restrict the power AT Dryers Is ten Tact Tanat one AT ten operating system Is parterre over ten toner one, but this can only be considered as a small restriction. Overall, the power of the client an thus be considered high. The bargaining power of the supplier on the other hand is rather low as companies in this industry are manufacturing their products by themselves and thus are not dependent of a supplier. The threat of potential new entrants into this market can be considered rather low or medium as it can be difficult for new companies to catch up with the big companies who already have experience and a high brand awareness and because of the high startup capital that is needed to enter this industry. Finally, the threat of substitutes is high as the customer has the choice between a wide range of products who are able to offer the buyer more or less the same functionalities. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-7610717127893416932020-03-02T00:02:00.001-08:002020-03-02T00:02:02.291-08:00Happy Valentines Day Quotes for Your LoveHappy Valentine's Day Quotes for Your Love There is no such thing as a perfect occasion to say I love you. The right moment is now. If your dearest is away at work, surprise him or her with a text message on Valentines Day. Or meet your sweetie for a quick lunch with some awesome chocolate cupcakes for dessert. Send two dozen roses to the office with a beautiful note attached. These quotes can help you find just the right words to make Valentines Day special. Quotes About Love VoltaireLove is a canvas furnished by nature and embroidered by imagination. John LennonAll you need is love. Erica JongAnd the trouble is if you dont risk anything, you risk even more. Charles DickensHave a heart that never hardens, and a temper that never tires, and a touch that never hurts. Charles Hanson TowneI need the star shine of your heavenly eyes, after the days great sun. Lao-TzeKindness in words creates confidence, kindness in thinking creates profoundness, kindness in giving creates love. William ShakespeareLove is a smoke made with the fume of sighs. Love looks not with the eyes, but with the mind,And therefore is winged Cupid painted blind. Who ever loved that loved not at first sight? Thomas Robert DewarLove is an ocean of emotions entirely surrounded by expenses. AristotleLove is composed of a single soul inhabiting two bodies. Honore de BalzacLove is the poetry of the senses. Zora Neale HurstonLove makes your soul crawl out from its hiding place. Lee Iacocca My father always used to say that when you die, if youve got five real friends, then youve had a great life. Wu TiNot loving is but a long dying. Romain RollandOne makes mistakes; that is life. But it is never a mistake to have loved. Antoine de Saint-ExuperyThe arms of love encompass you with your present, your past, your future; the arms of love gather you together. True love begins when nothing is looked for in return. Eden AhbezThe greatest thing youll ever learn is just to love and be loved in return. J. KrishnamurtiThe moment you have in your heart this extraordinary thing called love and feel the depth, the delight, the ecstasy of it, you will discover that for you the world is transformed. Henry MillerThe only thing we never get enough of is love, and the only thing we never give enough of is love. Victor HugoThe reduction of the universe to a single being, the expansion of a single being even to God, this is love.George Sand There is only one happiness in life: to love and be loved. Dr. SeussYou know youre in love when you cant fall asleep because the reality is finally better than your dreams. Barbara DeAngelisYou never lose by loving. You always lose by holding back. Sarahà BernhardtYour words are my food, your breath my wine. You are everything to me. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-86051689932966886372020-02-14T15:26:00.001-08:002020-02-14T15:26:03.856-08:00Judaism - Reflection Paper Essay Example | Topics and Well Written Essays - 250 wordsJudaism - Reflection Paper - Essay Example My community is frequently among the communities that are not driven by such forces. That is the Judaism Community. I therefore feel under no obligation to compare the gender assumption in my religion and community against any particular prejudiced social standard. Let Judaism rise or fall on its assumption regarding the roles played by men and women. It would be very painless pointing a finger to a Muslim and declare that women have little or no role in the religion and even words from their Holy Quran prohibits women from getting involved from achieving particular theological standards. But on the other side, women from the Muslim religion can also point to the Judaism religion and claim the same inferiority complex. As much as some religions may claim to be modernized, in Catholic faith the pope and his entire clergy has never agreed women to serve as priests. How then will women have any success when it comes to religious factors? Undeniably, Jewish custom and religion revolves around the synagogues, and this is then a fact that gender assumption is unequally played well. If the laws and rules are to be followed regarding the position of Men and women in the society then, Judaism women would ever remain voiceless. It would therefore be my suggestion that, a swift amendment be done on Judaism theological and religion literature, relative to all that is demanded in both old and New Testament bible. The synagogue where laws and rules concerning the way of living for the community signify just a tiny fraction of what Judaism pertains! There is a dire need to go beyond that and have vast knowledge concerning the lives of people and whether its theology, religion or the modern factors that should dictate their way of lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-57968550254359303402020-02-01T22:03:00.001-08:002020-02-01T22:03:02.729-08:00Interview Questions Essay Example | Topics and Well Written Essays - 500 wordsInterview Questions - Essay Example These highlight the differences, however there are similarities as well, as both micro-level and macro-level analysis involve understanding how the activities of specific entities creates somewhat of a trickle-down effect on all aspects from either an individual level or wide-scale business/government/finance activities. Opportunity costs can best be defined as the largest-valued decision that is relinquished after a decision has already been determined. Opportunity costs are different for each individual or organization and they represent what has been missed in order to fulfill a different objective. For example, a student who decides they must take a full-time class load at a local university would have several opportunity costs: They would lose time with friends in order to study hard or they would miss out on working at their fathers business in order to receive a higher education. This is an important economic model as it indicates scarcity and further aids in decision-making to assist in determining what the best course of action is once a decision has been made. Suppose that more companies receive permission to drill for oil in Alaska and U.S.-controlled waters. In addition, assume that the popularity of SUVs declines in favor of smaller, more fuel efficient automobiles. What will be the result on the market (supply, demand, price, and quantity) for oil in the U.S.? How does this move the supply and demand curve? The demand for oil would be considerably less, as more fuel efficient automobiles represents less consumer need for gasoline. At the same time, with companies digging in Alaska (and other areas), the supply of oil would also continue to increase. When this happens, when demand decreases and supply increases, likely the most significant impact would be a temporary lowered price for oil, at least until the demand for it grew. Assume that before the dig in Alaska gasoline was $3.50 per gallon. Afterward, lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-33144703914441222042020-01-24T18:27:00.001-08:002020-01-24T18:27:02.817-08:00How Arthur Miller Creates Tension in A View From The Bridge :: Arthur MillerShow how Arthur Miller creates a tense atmosphere at the end of act one of ââ¬ËA View From The Bridgeââ¬â¢ In the play ââ¬ËA View From The Bridgeââ¬â¢ there are many ingredients that finish with the final dish at the end. Usually, when you know the ingredients to a dish, you could guess what it would taste like or look like. Basically, there are many pressure points in the play that lead to the final outcome, and that outcome is very obvious. The audience would not be surprised when they get to the end, many would see it coming from far. The play is set in New York, in the Red Hook neighborhood in the borough of Brooklyn, next to the docks. Itââ¬â¢s a quiet simple community of Italian immigrants, who follow an unwritten respectful Italian law. The Italians keep to themselves pretty much as they feel as though they have been separated from their Italian roots. The ââ¬Ëunwritten lawââ¬â¢ requires for everyone to be respected, and it also encourages revenge, as it shows in the play. This Sicilian Code Of Conduct consists of honor, marriage, family well being, revenge hospitality, love, respect and strictly no snitching. The Sicilian Code Of Conduct shows all sorts of good things that also relate to the philosopherââ¬â¢s idea of a good and honest life. If Eddie could have stuck to this advice, and kept his feelings and anger to himself (which would have been impossible for Eddie), everything would have turned out better. Italy represents homeland, origin and culture for the citizens of Red Hook. But Italy represents different things to the main characters in the play, for example Catherine associates Italy with mystery, romance and beauty, but Rodolpho on the other hand is actually form Italy, and thinks it is a place with little opportunity, that he feels justified from escaping from. All of the characters appreciate the benefits of living in the US, but still strongly hold to Italian traditions. Italy is the basis of the cultural traditions in Red Hook, and it serves as a touchstone to unite the community, with their own laws and customs. The main areas of tension are when, Eddie gets frustrated when Rodolpho tells him lemons are green, Eddie is rude about Italian wives, Eddie tells Rodolpho that America is as strict as Italy, Catherine asks Rodolpho to dance, Eddie claims that Rodolpho is not a real man, Eddie punches Rodolpho, Rodolpho asks Catherine to dance and the last one is when Marco raises a chair over his head as warning. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-83174011860242606022020-01-16T14:51:00.001-08:002020-01-16T14:51:03.399-08:00Unit 051Unit 4277-051 Promote communication in health, social care or children's and young people's settings 1. 1 Identify the different reasons why people communicate There are 6 main reasons why people communicate. First to build relationships, it's important for the staff and the parent to build relationships but also the staff and the child. It is also important for staff to build relationships with other staff members. Another reason you have to maintain this relationship with the parent or the child, a little ââ¬ËHello' and ââ¬ËGoodbye' is maintaining a relationship.Another is gaining and sharing information, it's important you speak to every parent when they are dropping/picking up there child for general everyday information. For example; how their child slept the night before, could he/she be tired, need a sleep a little earlier. Or if there child is a little poorly, on medication. Then for when there picking up there child, to tell them how there childââ¬â¢s been, activiti es/events happening in the nursery, if they need to bring anything in etc.Then it's also important that staff members share the information with other staff members, for example, if a child needs medication at a certain time, tell all the staff members in that room so everyone is aware of it. Express needs and feelings is another reason why people communicate. This is important because if a child is feeling sad, angry, they need to feel that they can communicate with a staff member and tell them that they are feeling sad/angry/upset and why so that the staff member can try help them. It can become very frustrating for young people to keep all their emotions in.Then itââ¬â¢s also important so they can tell the staff their needs, for example if they need the toilet, need to wash their hands. Sharing ideas and thoughts is another reason why people communicate, this could be parents/young people/ children telling staff of new ideas they have. It's important to make their ideas and th oughts feel welcome. Gaining reassurance and acknowledgement, with young people, children this could be praising them for doing something or giving them physical reassurance by giving them eye contact or taking an interest in what they are doing. 1. Explain how communication affects relationships in the work setting Poor communication can lead to misunderstandings and poor performance. More seriously can lead to harming a child and/or breaking the law. Communication is important for staff too, being able to talk to others in the work place will give you more support and you can share ideas and information. You will be able to work as a team to create a work place that is good to work. Good communication is very important with the children will form trusting relationships and help them to settle in and develop.Good communication with the parents is important as well, sharing information regarding childrenââ¬â¢s care and development, good communication between the two will promote positive relationships. 2. 1 Demonstrate how to establish the communication and language needs, wishes and preferences of individuals 2. 2 Describe the factors to consider when promoting effective communication There are many factors to consider when communicating with others. The first factor is Environment; we need to think whether the environment is ok to share information.If the environment is loud or busy it may be very difficult to exchange personal information. For some parents/young children a quiet place may be required to exchange information. Proximity, orientation and posture are 3 factors we need to consider. Proximity is the distance between you and the person you are communicating with. Babies and young children that you are close with need you to be close to them when communicating, whereas babies and young children that are not familar with you may need you to be more distant they could see it as intimidating or scary.Then you need to be aware of cultural difference s. You will notice if someone is backing away a little from you or is moving closer. Orientation relates to your body's position. When speaking to a parent you tend to stand close on a slant with them whilst talking so you can make eye contact but you are also aware of everything else going on, and is easy to break of if needs be. Posture is the way you are standing or sitting. If you are sitting you need to make sure youââ¬â¢re not giving out signals that you are bored, like leaning back on your chair.It's important you make sure people know youââ¬â¢re interested like leaning forward on the chair. Listening Skills ââ¬ËActive listening' is often used to describe good communication, this means don't just listen, think about their body language, what they are hearing, gesture and any other signals they are sending out, give them your full attention and don't just focus on what they are saying but how they are saying it. It's very important when encouraging young people to spe ck and dealing with difficult situations. TimeAllowing sufficient time for Adults and children to think about how they are going to communicate. This is important with young children when communicating but also can be for adults receiving unexpected information or complex. 2. 3 Demonstrate a range of communication methods and styles to meet individual needs 2. 4 Demonstrate how to respond to an individual's reactions when communicating 3. 1 Explain how people from different backgrounds may use and/or interpret communication methods in different ways Communication can be slightly different when using it with other people from different backgrounds.Different people from other backgrounds may use verbal communication to express what they think, however they could also use non-verbal communication to put their point across. People from different backgrounds can find some forms of communication rude, eye contact/hand gestures. 3. 2 Identify barriers to effective communication Speaking a different language is one barrier, when someone speaks a different language or uses sign language, they may not be able to understand what the other person is trying to say. 3. Demonstrate ways to overcome barriers to communication 3. 4 Demonstrate strategies that can be used to clarify misunderstandings 3. 5 Explain how to access extra support or services to enable individuals to communicate effectively. In Leeds, we have great support services to support children and adults with communication problems. There are childrenââ¬â¢s centres all around Leeds that support families and can direct families to other agencies 4. 1 Explain the meaning of the term confidentiality Confidentiality is very important in a nursery setting.It is about respecting other peopleââ¬â¢s rights to privacy and keeping safe the information that they have provided. Sometimes when working with young children they give us information that id no intended to be shared around, sometimes this information may b e of a personal nature or simply not relevant to other people. All information gained during work is confidential this means anything you could not be able to find out as a member of the public is likely to be confidential. Data protection act 1998 4. 2 Demonstrate ways to maintain confidentiality in day to day communication 4. Describe the potential tension between maintaining an individual's confidentiality and disclosing concerns While parents and children have the right to confidentiality, there are occasions when the need to maintain confidentiality might be breached, for example; where there are concerns for childââ¬â¢s welfare, maybe abuse. If there is a concern that a child is being abused its staffââ¬â¢s job to disclose this information to the designated/manager of the setting unless they think by disclosing the information will put the child/young person in further danger. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-65188321688137196092020-01-08T11:14:00.001-08:002020-01-08T11:14:02.987-08:00Backshift the Sequence-of-Tense Rule in English In English grammar, backshift is the changing of a present tense to a past tense following a past form of a reporting verb. Also known as the sequence-of-tense rule. Backshift (or backshifting) may also occur when a verb in a subordinate clause is affected by the past tense in the main clause. Chalker and Weiner offer an example of backshift where logically the present tense would be used: I didnt apply for the job, although I was female and had the right degree (Oxford Dictionary of English Grammar, 1994). See Examples and Observations below. Also, see: Indirect SpeechSequence of Tenses (SOT)TenseTense Shift Examples and Observations Notice the contrast between has and had in this pair: i Kim has blue eyes. [original utterance: present tense]ii I told Stacy that Kim had blue eyes. [indirect report: preterite] If I say [i] to Stacy, I can use [ii] as an indirect report to tell you what I said to Stacy. . . . My utterance to Stacy contained the present tense form has, but my report of it contains preterite had. Nonetheless, my report is entirely accurate. This kind of change in tense is referred to as backshift.The most obvious cases of backshift are with verbs of reporting that are in the preterite, like told or said. . . .[B]ackshift also happens quite generally in constructions where one clause is embedded within a larger one containing a preterite verb: i Stacy didnt know that Kim had blue eyes.ii I wondered at the time whether they were genuine.iii I wish I knew if these paintings were genuine. All the [highlighted] verbs have backshifted tense.(Rodney D. Huddleston and Geoffrey K. Pullum, A Students Introduct ion To English Grammar. Cambridge University Press, 2005)Backshifting occurs not only with indirect speech, but also with reported feelings and thoughts expressed frequently with verbs such as know, think, realize, and forget. (19a) She knows that we are meeting tomorrow.(19b) She knew that we were meeting tomorrow. In (19a) the reporting verb (knows) is in the present tense, as is the verb in the reported clause (are). In (19b), when the reporting verb is past tense (knew), the verb in the reported clause is backshifted to past tense (were). Note that the time of the situation (we are meeting) has not changed; it remains in the future.(Dee Ann Holisky, Notes on Grammar. Orchises Press, 1997)Exceptions to Backshifting- In certain situations, the sequence of tense rules are relaxed and backshifting is not required. Essentially, backshifting is not required if a statement about the present or future still holds. . . .A shift is not necessary if: - the original statement is a general t ruth.Torrecelli concluded that the atmosphere is/was a sea of air pressing down on the earth.- the speaker is reporting something that is still true.Fred said he drives/drove a 1956 Belchfire Special.- the speaker is reporting something still possible for the future:The forecast said we will/would be having lots of rain.- the speaker repeats something he or she just said.John: I like opera.Bill: What did you say?John: I said I like opera. (Ron Cowan, The Teachers Grammar of English: A Course Book and Reference Guide. Cambridge University Press, 2008)- Backshift . . . is optional when what was said applies equally at the time of reporting: Benjamin said that he is/was coming over to watch television tonight. Such traditional shifts are not, however, used in certain types of relaxed, colloquial reporting and storytelling: Then he says hes coming and she says that he could come or not for all she cared.(Tom McArthur, Concise Oxford Companion to the English Language. Oxford University P ress, 2005) Also Known As: backshifting, sequence-of-tense (SOT) rule, succession of tenses lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-48383811748817283882019-12-31T07:40:00.001-08:002019-12-31T07:40:03.843-08:00The Black Death Ravaged Europe And Its Inhabitants From 1347 to about 1352, the Black Death ravaged Europe and its inhabitants. While this devastating plague caused an exorbitant loss of life and a great deal of emotional suffering, it did lead to some major social changes in Europe that changed the course of history. The Black Death transformed the consciousness of the surviving populous of medieval Europe in a way no other event that has occurred before or since could. This transformed psyche created the catalyst that expedited the transformation of the feudal system, which in turn gave birth to and ushered in the Renaissance, fueled the religious discontent against the Catholic Church, and provided the foundation for the Protestant Reformation. The Black Death was a pandemic of demographic proportions that occurred in Europe during the fourteenth century. The plague appeared to have had its origin in the Gobi Desert of Asia when Asian black rats, carrying plague infested fleas, got aboard a merchant ship and arrived in Italy in 13 47 (Whipps). Italian merchants from Caffa, on the Black Sea, arrived at Messina, Sicily. Most of the crew was dead, but they carried with them the virulent disease (Ross). Rats, carrying infected fleas, are believed to have come from the ships and spread the disease. The Plague reached England by the summer of 1348 somewhere between late June and early August. The disease reached London on November 1st ââ¬Å". . . and up to 30,000 of the cityââ¬â¢s population of 70,000 inhabitants succumbedâ⬠(Ross).Show MoreRelatedThe Plague Of The Bubonic Plague1386 Words à |à 6 Pagesof history since the biblical eras and has had an undeniable effect on the development of contemporary civilization Gowen, B.S. (1907). The cause of the plague is not known. However, there is religious reference of God punishing sinners causing death and destruction using this deadly disease. Throughout the years, there has been a question to be answered by historians and medical professionals. This q uestion is: if the destructive attributes of the disease was an act of God to punish sinners orRead MoreThe Black Death Essay1374 Words à |à 6 PagesThe Black Death Black Death, epidemic of plague which ravaged Europe in the mid-14th century. Various forms of plague were known in the civilized world since ancient times. Greek and Roman historians described outbreaks of an epidemic disease which were sudden and deadly: at Constantinople in the 6th century AD, for example, as much as half the population may have been killed. The outbreakRead MoreSocial and Economic Effects of the Plague on Medieval Islam Societies1237 Words à |à 5 Pagesas the Black Death, was a fatal disease that ravaged Asia and Europe during the mid-14th century. Although the destruction the Plague brought upon Europe in terms of deaths was enormous, the Islamic world arguably suffered more due to the fact that plague epidemics continually returned to the Islamic world up until the 19th century. The recurrence of the disease caused Muslim populations to never recover from the losses suffered and a resulting demographic shift that arguably helped Europe to surpassRead MoreEssay on This Is the End of the World: the Black Death by Barbara Tuchman1504 Words à |à 7 Pagesââ¬Å"This is the End of the World: The Black Death.â⬠by Barbara Tuchman History reveals the mid-14th century as a very unfortunate time for Europe. It was during this period when the continent became afflicted by a terrible plague. The source of the pathogen is known today as bubonic but was colloquially known as ââ¬Å"The Black Deathâ⬠to Europeans of the day. The plague caused a tremendous number of deaths and was a catalyst of change, severely impacting Europeââ¬â¢s cultural, political and religious institutionsRead MoreThe Plague Of The Bubonic Plague1562 Words à |à 7 Pageswas close to120 million inhabitants. By 1393, their population dropped to around 62 million. Before long, the disease causing this drop in populace migrated into Europe. A diseased person would get a high fever, cold sweats, experience weakness, have migraines, and buboes (swollen, tender and painful lymph nodes) would appear. Without warning, buboes would spread to every lymph node in the body and blood would start to puddle under the skin. The skin then turned black and died. In its finalRead More Jane Addams and Hull House Essay1548 Words à |à 7 PagesJane Addams and Hull House à à à à à Born in Cederville, Illinois, on September 6, 1860, Jane Addams founded the world famous social settlement of Hull House. From Hull House, where she lived and worked from itââ¬â¢s start in 1889 to her death in 1935, Jane Addams built her reputation as the countryââ¬â¢s most prominent women through her writings, settlement work and international efforts for world peace. In 1931, she became the first women to win the Nobel Peace Prize. à à à à à Addams, whose father was anRead MoreThe Old Nursery Rhyme, Ring Around The Rosie3205 Words à |à 13 PagesIntroduction The old nursery rhyme ââ¬Å"Ring around the Rosieâ⬠comes with many explanations relating to the Black Death and its course throughout Europe and Asia. Why is it that this old nursery rhyme, said to have been circulating since the last major epidemic of the Plague in 1665, is still being sung by countless amounts of people each day? This nursery rhyme and its continuation to appear in our childhoods and daily lives shows exactly how much the plague impacted todayââ¬â¢s society socially, economicallyRead MoreCompare and Contrast Japanese and Western Imperialism in Asia and the Pacific3853 Words à |à 16 PagesCompare and Contrast Japanese and Western Imperialism in Asia and the Pacific 23 October 2013 at 18:10 The Japanese pursuit for an empire in South East Asia helped changed the balance of world power away from Europe, by taking their most lucrative colonies. Soon after the Japanese defeat in World War II, most of the colonies won their independence from their European masters. This essay will be arguing that despite the vast geographical distance and cultural, racial differences, as well as theRead MoreEssay Colonization Across the Globe5171 Words à |à 21 Pagesconstructed for the shallow waters of the surrounding rivers and lake, bombarded the city. Every day the white soldiers launched fresh assaults on the city defences, whose supplies of food and fresh water had been cut. Famine, dysentery, and smallpox ravaged the Aztec defenders. On 13 August 1521, after a desperate siege of three months, the new Aztec emperor was captured and Tenochtitlan fell. According to Spanish accounts, when they finally entered the city, more than 40,000 decomposed bodies -Read MoreManifest Destiny and Race4652 Words à |à 19 Pagesperception became a concept that had its roots in 16th and 17th Century England. It involved their ancestry to the peoples of England prior to the Norman Conquest of 1066, and further back to the Nordic and Germanic peoples of ancient, continental Europe. It didnââ¬â¢t start here; their Caucasian ancestry was believed to have traveled west through the centuries from Asia and the Caucasus, following the sun and a divine destiny that brought them through the cold northern European forests to England, and lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-32113021512893790452019-12-23T03:27:00.001-08:002019-12-23T03:27:03.278-08:00Probation, Substance Abuse Treatment, And Boot Camp Restoration is, ââ¬Å"Punishment designed to repair the damage done to the victim and community by an offenderââ¬â¢s criminal actâ⬠(Clear, Reisig, Petrosino, and Cole, (2015) according to three University Professors. When someone commits a crime, the community gets a sense of lost trust that they once had with the community because that crime occurred on the policeââ¬â¢s watch. Different sanctions can provide ways for the offenders to repair the harm that they have committed. The community plays a huge part into the restoration process of criminals. They emphasize to the offender what is acceptable behavior, offers the offender to perform the reparative tasks, and provides the help needed for the offender to live a normal life back in the community. For much of correctional history, the criminal justice community has relied heavily upon different programs that are designed to serve as alternatives to incarceration. The three sanctions that will be discussed in this paper are probation, substance abuse treatment, and boot camp. I will also give my opinion about which form of restoration I believe is most effective out of the three that were discussed. One of the most popular forms of restoration is probation. Probation is, ââ¬Å"An agency that supervises the community adjustment of people who are convicted of crimes but are not sentenced to confinement in prison or jailâ⬠(Clear, et al. (2015). What makes probation most desirable by offenders is that they are not confined to live insideShow MoreRelatedThe Juvenile System And Juvenile Corrections System1740 Words à |à 7 Pageswill be discussed to gain a better understanding of juvenile probation. Probation and Intensive Probation In the US, there is an epidemic problem with troubled youth in our nation. In fact, juvenile cases almost 58% are often given probation, therefore, probation is the norm and often deemed as the basis for monitoring those youth in the system. Since most of them are students still in school, they are often visited by their probation officer in the school setting to monitor not only their rehabilitationRead MoreAlternative Juvenile Placements : Alternative Programs For Youth917 Words à |à 4 PagesIntensive Supervision Program (CISP) was created in 1990 by Allegheny County Juvenile Court as a need to provide more supervision than what probation offered. This program is for males between the ages of 11-21. Youth involved in this program may need additional supervision from probation or less supervision when transitioning from a residential treatment facility. There are five locations in the Pittsburgh area servicing youth from Garfield, the Hill, Homewood, McKeesport, Northside a nd WilkinsburgRead MoreJuvenile Offenders And Juvenile Delinquency1053 Words à |à 5 PagesJuvenile repeat offenders receive little to no punishment for the crimes that they commit. The disposition that juvenile repeat offenders receive in some states at the highest are community service, detention centers, or probation. What makes a juvenile crime is status offenses. A juvenile status offense consist of crimes that would not under law be considered as crimes by an adult but crimes by juvenile youths. Status offenses consist of truancy, running away, violating curfew, underage possessionRead MoreDefinitions Of Probation And Probation Essay956 Words à |à 4 PagesClassifications of Probation According to the Bureau of Justice Statistics, at year end of 2012, more than 4.7 million adults were under some form of community probation in the United States (Bonczar and Maruschak, bjs.gov). With so many adults on probation, one could only ask how they all are supervised. With the criminal justice system already bursting at the seams with offenders, its main objective is to keep offenders out of this already exhausted system. Probation, also called intermediateRead MoreAlternatives to Incarceration Essay1984 Words à |à 8 Pages In 1996, Anderson and Dyson published a study to investigate boot camp success and offender risk assessment for CRIPP (Court Regimented Intensive Probation Program) participants. This study was conducted on 1225 male boot camp graduates. Logistic regression was used to determine which participants were more likely to reoffend after boot camp. Independent variables were recoded for the logistical regression model analysis used in this study. Th e effect of a prior felony conviction increasesRead MoreThe Effects Of Incarceration On The Correctional System Essay1629 Words à |à 7 PagesPunishment and The Search for Alternativesâ⬠, Cayley (1998) understood that prisons do not stop crime even though that is exactly what they were originally designed for. He wrote about prisons changing from punishing, hopeless places to restorative, treatment facilities. Cayley (1998) said an alternative peacemaking justice system provides an opportunity for all parties to have a voice in the restorative part of criminal offenses. For some, primarily non-violent offenders, restorative justice allows theRead MoreThe High Incarceration Rate Of Juveniles1748 Words à |à 7 Pagesjuvenile justice system face a multitude of negative lifelong implications. The history of incarcerating youth in residential facilities such as juvenile halls, camps, ranches or group homes as a consequence for committing crimes has a deep-rooted history in the U nited States. ââ¬Å"For more than a century, the predominant strategy for treatment and punishments of serious and sometimes not-so-serious juveniles offenders in the US has been placement into large juvenile corrections institutionsâ⬠(Mendel,Read MoreEssay on Boot Camp1400 Words à |à 6 PagesBoot Camp With the ever rising prison population in this country, something has to be done rehabilitate criminals rather than just lock them up. Many feel that the ââ¬Å"newâ⬠prisons, boot camps are the answer (Champion 1990). I will give a brief overview of boot camp institutions, specifically, about the operation and structure of these, the cost involved with both juvenile and adult facilities, and how effective they really are with regard to recidivism. Boot camps or shock incarceration programsRead MoreJuvenile Crime And Juvenile Delinquency1322 Words à |à 6 Pagesoffenders accountable, and provides treatment and rehabilitative services tailored to the needs of juveniles and their families. The OJJDPââ¬â¢s vision and mission statement confirms that there is an abundance of resources to reduce the recidivism rate of juveniles. Research proves that with effective resources and programs, help reduce juvenile crimes. Programs such as a military style boot camp is one way to deter juvenile crime. Campie (2011) states that ââ¬Å"while boot camps are less expensive in the shortRead MoreThe Effectiveness of Probation Boot Camps2932 Words à |à 12 PagesName: Tutor: Course: Date: How Effective Are Probation Boot Camps? Probation Boot Camps Probation boot camps refer to correctional centers that follow a military essential training model, which emphasizes discipline as well as physical conditioning. They are based on shock incarceration and military techniques, and are aimed at assisting young offenders. The first known boot camp was started in 1971 in Idaho though their popularity did not start until 1983 when they were created in Oklahoma lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-64077480670232026982019-12-14T23:57:00.001-08:002019-12-14T23:57:04.201-08:00I Hate About You is a relocation of the Taming Free Essays The Taming of the Shrew relocated to high school? Gill Gunnerââ¬â¢s 10 Things I Hate About You is undoubtedly more complicated than a relocation of Shakespearean The Taming of the Shrew into high school. The transformation of Shakespearean comedy Into the teenââ¬â¢ movie genre and the integration of Elizabethan values enable the film to be a successful relocation of the play, yet the Incorporation of modern gender conventions discerns it as something more than a relocation. The culmination of these facets produce a cinematic masterpiece that draws parallelism to Shrew In a feminist perspective. We will write a custom essay sample on I Hate About You is a relocation of the Taming or any similar topic only for you Order Now The transformation of Shrews comedic genre into the teenââ¬â¢ genre in 10 Things facilitates its relocation into high school. In Shrew, comedy revolves around the physical violence upon Kate, deception, and a play on words. The sight of a ââ¬Ëshrewââ¬â¢ physically subdued by a man would have been humorous to an Elizabethan audience. Humor is also evident in Epithetic and Skateââ¬â¢s verbal battle, where elaborate puns are constructed. Women are made to bear and so are youââ¬â¢ (11. 1. 200). Here, Epithetic twists the word ââ¬Ëbearââ¬â¢ into meaning ââ¬Ëgiving childbirthââ¬â¢, thus twisting Skateââ¬â¢s Insults Into Innuendo. Influenced by the teenââ¬â¢ genre and the rise of fearfulness. N 10 Things, comedy exists verbally and in stereotypical teenage experiences. Ms Perks attempt to describe an erotic scene in her novel is evidence of verbal humor, similar to Pediatrics use of puns. The concept of growing up is embodied in Catââ¬â¢s antisocial behav ior. Described as a heinous blotchââ¬â¢, her unfriendly manner Illustrates her inability to accept her adolescence, such as dating. This is emphasized in the party scene, where the childhood swings she is sitting on Juxtapose against the adolescent party house In the background. The modern adaptation also explores teenage dating. Dating forms the basis of comedy. Blanch feels the urge to date for the purpose of fitting in to teenage culture. In the words, ââ¬ËIââ¬â¢m the only girl that doesnââ¬â¢t date,ââ¬â¢ Bianca suggests that her motivation for dating is due to peer pressure. The influence of peer pressure is also apparent in other movies based on a teen genre, such as Grease (1978) and The Breakfast Club (1985). By appealing directly to teenage audiences through common experiences, Shakespearean comedy is relocated into high school. The integration of money and status as Elizabethan values into 10 Things contributes to It being a successful relocation of Shrew. In Shakespearean comedy, marriage Is an opportunity for the men to acquire wealth and Increase their social status. Pedicuristââ¬â¢s motives for journeying to Pad are solely to marry the daughter of an affluent father to increase his own wealth and status, or as he expresses it, to Wives and thriveââ¬â¢ (1. 11. 42). The simplicity of Petroleumââ¬â¢s Intentions accentuates the ease to which It can be accomplished, and therefore suggests that marriage Is a game signed and played by the men. These values are incorporated into the teenââ¬â¢ adaptation by alternating the setting into high school. By incorporating the teenââ¬â¢ Shakespearean work, dating is a tool used to gain money and popularity. Cameron and Michaels plot to use Joey, a wealthy ââ¬ËCoco, to bribe Patrick to date Kate is evidence of this. While this increases Patriotââ¬â¢s money and allows Cameron and Joey to date Bianca, it also enables Michael to be ââ¬Ëcool by associationââ¬â¢ to popular people, thus increasing his status among the school hierarchy. In such, the men benefit while the omen become puppets in a male plot. The similarities between money and status in Shrew and 10 Things depict a parallel course to which both texts extend. The distinction in gender conventions between 10 Things and Shrew is crucial in demonstrating that the modern version is more complicated than a high school relocation of the play. In Elizabethan England, women were the property of their men and were expected to loyally serve them. This convention is adequately expressed in Shakespearean drama, culminating in Skateââ¬â¢s ââ¬Ësubmissionââ¬â¢ speech. In such, the use of juxtaposition comparing women to men in the words, ââ¬Ël see our lances are but straws/ Our strength as weak, our weakness past compare,ââ¬â¢ (V. I. 173-174) illustrates female submission to male superiority in a patriarchal society. In consideration of Skateââ¬â¢s violent behavior, her acknowledgement of female servitude undermines her ââ¬Ëshrewishââ¬â¢ nature, and therefore demonstrates that she is tamedââ¬â¢. Elizabethan gender conventions are transformed to a more feminist and less sexist perspective in the movie, dictated by modern attitu des towards women. Women in 10 Things josses more control of themselves and exert greater influence, such as Bananaââ¬â¢s manipulation to induce her sister to date. Similar to Kate, Kate is a young independent woman who strongly supports feminism. In the words, Why should I live up to other peopleââ¬â¢s expectations except for my own,ââ¬â¢ Kate demonstrates she is uninfluenced from social oppression. In contrast to Pedicuristââ¬â¢s use of physical violence of taming Kate, Patrick uses kindness to tame the wild beastââ¬â¢ and socially conform her. The change in gender conventions while maintaining a similar characterization of Kate compels the elm to be a relocation of the play but in a more feminist outlook. 0 Things I Hate About You is a high school relocation of The Taming of the Shrew in a feminist viewpoint. The incorporation of the teenââ¬â¢ movie genre and the values of money and status in the movie ensure the plays relocation into high school, while the change in gender conventions provides a more feminist perspective of the movie. The modern adaptation moves away from its misogynist basis and entertains a teenage audience by transforming aspects of Shakespearean drama into common adolescent experiences. How to cite I Hate About You is a relocation of the Taming, Papers lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-62756556262919326542019-12-06T20:20:00.001-08:002019-12-06T20:20:06.048-08:00Vulnerabilities Their Defensive Mechanism â⬠Myassignmenthelp.Com Question: Discuss About The Vulnerabilities Their Defensive Mechanism? Answer: Introduction STP Limited is an organization that is based out of Wollongong and has its head office in the same city. The organization manufactures cabinets and is expanding to the other regions as well. The sales and revenue are going good for the organization and as a result, it recently bought office premises in Bathurst and Lithgow. They have also set up a new office in Sydney. The company is currently located in four locations and has warehouse machines and other equipment installed in these locations. Project Background There are new networking and communication technologies that are being used by STP Limited to enhance its connectivity and integration capabilities. Every office of the company is equipped with a modem and a switch and the Internet connection is made active with the aid of ADSL. The members of the staff are allowed to Bring their Own Devices at work which is also known as the BYOD scheme. The wireless connections are also made enable by the organization. The enhanced network connections will allow the employees to be connected with each other at any hour of the day. It will aid in the resolution of the problems and conflicts in a timely manner and will make it possible to experience enhanced efficiency and productivity of the employees. The customers will also be able to contact the organization in case of any query or complaint. There will be enhanced help and assistance services provided which will make it easy to increase the levels of customer trust and engagement (Cisco, 2008). Project Scope The scope of the project will include the design, development and deployment of the measures so that the enhanced networking mediums are implemented. Privacy is one of the essential properties that are required to be maintained in association with the information and networks. The efforts will also be implemented to make sure that the privacy of the information and the communication networks is not disturbed or violated. Project Goals Ability to make sure that all the office locations and units of STP Limited are integrated with each other as a single unit. Ability to ensure that the security of the networks and the information channels is maintained along with the assurance of privacy (Pareek, 2011). Ability to make sure that enhanced revenues and customer engagement is earned with the improved networking and communication medium. Strategic Alignment of the Project Alignment Perspective Description Strategic Execution Project goals are in line with organizational goals. The design, development and deployment of the networking, security, privacy and integration measures will be done to achieve the goals. Technological Potential The wireless connections and networking equipment that have been set up are compatible with the organizational systems and applications. The integration and security solutions that are proposed are feasible on the basis of technical feasibility study. Competitive Potential Network security and privacy is a much in demand trend in the market. Enhancement of the quality of service Service Level A networking strategy has been designed and determined by the Project Manager so that the organization goals are met. Resources have been allocated to the project tasks and activities at the operational and managerial levels. Network Security There are various issues that must be addressed from the point of view of network security. It must be made sure that there are enough human resources in the department of local IT as the support staff. It would be necessary to understand the significance of remote management of the security controls and mechanisms. The device configuration that is set up shall be allowed to be accessed with the means of HTTP, HTTPS, Telnet, SSL and likewise. In a nutshell, the security solutions that are set up at the branch office must target the needs and requirements of the office sizes and these shall also be easy to deploy and economical in nature. Secure routing, WAN connections etc. shall also be included. This will eliminate the requirement of installing separate networking devices and equipment. Another condition that must be considered is the changing landscape of the security threats and attacks. There may be some extremely severe implications of these attacks and threats. For instance, in the year 2003, Slammer worm infected 90% of the susceptible hosts in 10 minutes with the doubling rate of 8.5 seconds. There are signature based countermeasures that are being implemented in the organizations which cannot be updated at such a short period of time (Canavan, 2001). Supplementing of the reactive countermeasures will be required that may have the ability to prevent the uncertainties and security attacks that are not predicted earlier. The use of network focussed defence mechanisms shall also be used for preventing the security attacks associated with application layer and services. Ideal Branch-Office Security Solution It shall provide a fast and safe VPN connection based on the site-to-site connectivity. A direct and secure access to the internet shall be provided. This would be significant in the avoidance of unknown Internet traffic re-directed through any of the regional headquarters location. Improved security services and solutions shall be provided for the internal services and network connections (Alabady, 2009). It shall be easy to use and shall also be cost-effective in nature. Securing data Virtual Private Networks: The establishment of IPSec VPNs will be a prime necessity for the branch security solutions and services. The use of secure encryption algorithms, such as tripe DES and AES shall be used with key exchange and user authentication protocols (Joshi and Karkade, 2015). NAT traversal and Microsoft VPN clients shall also be made available for the maintenance of security. Firewall: Firewall is one of the most significant measures for the security of the data. The effectiveness of firewalls can be realized only by the mode of application of the same, for instance, the implementation of firewall at the network layer only will not be able to prevent the security risks associated with the application layer. Attack Protection: There is certain amount of traffic that passes through even with the set up of the firewalls. It also does not identify certain types of security risks and attacks. Intrusion detection and prevention is a technology that comes in the picture to identify and prevent the entry of the bad elements. There are anomaly based, signature based, network based and behaviour based intrusion detection and prevention systems that have been developed for preventing many of the denial of service, flooding and integrity attacks (Strebe, 2004). Advanced Content Filtering: There are many of the anti-malware packages that are present such as, anti-viruses, anti-spyware etc. these are completely reactive in nature but have the capability to control the file based attacks and many of the known threats and attacks. There is Web/URL filtering measure that may focus on the outbound traffic and prevent the access to the web sites that are not safe (Soriano, 2011). Segmentation Security Domains: Internal security at the branch office may be improved with the aid of this measure. It makes sure that the associated appliances have the capabilities such as multiple LAN interfaces along with VLAN connections. A unique security policy is enforced on the basis of the users and the computing resources. Mobile device security Mobile devices have become a crucial part of the IT infrastructure of a small business. However, it also presents certain risks to the company that is not always identified at the time of first implementation. Mobile devices give flexibility and mobility but are also faced with issues like limitations of the hardware and security concerns rising from downloading of un-trusted content. A security strategy shall be developed and implemented to ensure the safety and security of the mobile devices. There are also unknown devices that may be connected to the office network with the use of BYOD technology. Wireless Local Area Network (WLAN) attacks Currently there are many staff at the company that are connecting wirelessly with a mobile device such as a laptop. The risk of such an environment is significant as the asset that holds the most value is very attractive to those who wish to steal or damage vital information. Capturing wireless data is one of the most common enterprise attacks external of the enterprise while rogue access points and evil twin access point are internalized. WLAN attacks can be overcome by proper configuration of devices and employee training programs. BYOD risks Currently, the staff of STP Ltd can connect to the organizations wireless network through their personal devices. This option has less financial constraints which is convenient for the company but at the same time, it is also exposed to greater risks. The confidential information of the company can get exposed because of user actions. Malicious software can also attack the device or the network affecting the security baseline of the organization. Thus, for the use of personal devices, minimum security requirements must be defined and the employees must be trained on the aspects of data protection and security. There are some essential tools that may be used for further enhancing the mobile device security. Fingerprinting: It is a mechanism that enhances and inspects the characteristics that are associated with the mobile devices to understand the device properties. It may highlight the unsafe devices and their presence in the networks (Souppaya, 2013). Network Access Controls: It is commonly abbreviated as NAC and is a measure that may be used for advanced device management by the organizations. An in-depth analysis of the device is done under NAC to highlight the presence of any intruders associated with the device, anti-virus and anti-span packages and so on. Authentication: This is the security solution that comes after the fingerprinting and NAC. It authenticates the users on the basis of the WLAN standards such as 1x standard. The combination of the three controls will provide the organizations with the required set of security controls and network management (Sujithra and Padmavathi, 2012). Plan for Hardware Purchases Procurement strategy is an important area of operations of an organization as it keeps the operations going on. Purchase planning is vital for a company. Research can be used for aligning purchase processes with organizational strategy. This can improve financial and operational performance of the business. Hardware purchases would put some financial burdens to the organization and thus, contingency plans are required to be developed for ensuring that business operations remain continued. Acquisition of new hardware Purchase of new hardware cannot be avoided as it can result from causes like loss, failure, or damage to the devices. As the Gympie store is located in an area which is flood prone and thus, it can be a concern for the company. STP limited has deferred the procurement risks by insuring its business assets. However, for preparing to deal with circumstances, certain documents and assets such as asset register, budget forecasts, emergency plans, policies, procedures, reviews and strategies can be created and maintained. End user feedback and reviews A review from employees as users of the hardware system can help identify concerns around outdated or overloaded application. It can also be known if the user is downloading or running certain applications on the devices causing load to the system unnecessarily. Reviews can be scheduled for evaluation of the hardware performed such that the management can take more informed decisions about procurement. The review would help management identify current issues as well as potential risks that can be faced in future. Purchasing strategies The management must make sure that the company has enough funds for the hardware purchase which needs a careful, cash flow planning. Small organizations like the current one is more likely to have close coordination between employees and thus, strategic alignment would be better. If the organization needs to take the advantages of purchasing hardware at low price, suppliers have to be identified appropriately and the business needs have to be understood through exploration of the business requirements. Asset register There are many equipment necessary for installation and testing purposes. Some of the necessary hardware may include the following: Computer Systems: These may be required for accessing the tools and applications for the purpose of installation and testing. Servers: There are web and file servers that may be required for accessing various information sets along with the database servers as well. Peripheral Equipment: Networking equipment such as switches, bridges, routers, hubs, gateways would be required for establishing and maintaining network connections. Simulators and Emulators: It would not be possible to carry out testing activities on all the devices and these tools will come into the picture for gaining a virtual experience and testing purposes. Diagnostic Equipment: The troubleshooting and diagnostic processes will be carried out for network management and security using this equipment. Communication Devices: These will be necessary for the sharing of information and data. Business continuity If the company makes use of cloud based applications then the need for creating backup on the local devices is eliminated. However, the data that gets exchanged over the POS and other non-cloud applications is also the companys responsibility. Thus, an offsite backup of the store has t be created such that data can be retrieved in case the site is damaged so that the business can be continued without interruptions. A cloud based system can be used for creating this backup which would ensure that most valuable assets are well protected from any losses. Multi-general backups can be created by administrators who would be responsible for the management of the departmental servers. Physical security The internal and external environment of the organization affects its physical security. The organizations physical infrastructure could be located in a place that is prone to security risks such as network failures, power outages, road blocks, and floods. Thus, disaster recovery planning is essential such that staff can be made prepared to deal with such situations and ensure that business operations continuity is still maintained. In case of insider threats, it is the responsibility of the administrator to ensure that the systems remain secure and protected from insider threats. Succession planning There can be situations when an important employee or the owner of the organization is unable to work because of unforeseen situations such as injuries from accidents. The company must remain prepared to deal with such situations. Planning must include the details of the roles and the process for appointment of the other people who can take over the work in such circumstances. The strengths and weaknesses may be assessed and development opportunities may be identified through monitoring, support and evaluation. Risk Responsibilities The responsibility of dealing with the risks shall be distributed to all of the stakeholders. The risk responsibility shall be allocated for each of the risk that is identified. The mapping of the stakeholder must be done on the basis of the type and category of the risk (Berg, 2010). Risk Assessment The assessment of the risk shall be done on the basis of its impact and likelihood along with the various factors that may be associated with the risks. The risk ranking shall be applied and assigned to every risk. Risk Response A response strategy shall be defined for every risk that is identified and assessed. The response may include different treatment strategies and measures. There are various methods that may be applied for the risks, such as, avoidance, acceptance, transfer and mitigation (Crane, 2013). Risk Mitigation It shall include the activities for the control of the risk along with the contingency plan associated with the same. The risk mitigation strategies as identified in the risk response process shall be applied and implemented for every risk (Dcu, 2015). Tracking and Reporting The risk mitigation strategy shall be applied and the same shall be tracked and reported by the Project Manager. There shall also be a weekly report that must be prepared to keep a track of the same and the senior management must carry out monitoring and control activities (Debono, 2016). Security Policy A security policy can be used for protecting the assets of an organization as well as for providing a baseline for the user conducts in a workplace. It can act as a tool that creates awareness in the people and help in building a culture that is supportive for the organization in terms of security. The objective of defining an information security policy is to ensure that the ABC Company is able to keep its business continued in any situation of damage by any incident and the impact of such damages is minimized. The security policy is approved by a CEO or MD. The security policy ensures that: Information is protected from unauthorized personnels Confidentiality of the data is maintained Integrity of the information is maintained Information availability is ensured at all times Regulatory or legislative compliance needs are managed Business continuity plans are developed, tested and maintained Security related training is given to all employees Security breaches are reported to security managers An acceptable use policy must be created with acceptable usage terms for system and networking equipments. Acceptable use policy Outlines acceptable and unacceptable use while accessing systems and networking equipment. An Antivirus policy must be developed containing details of procedures used for minimizing dangers of virus attacks in computers. A Data policy can be developed for outlining of the process for storage of data, its retention and disposal which would be helpful as mobile devices are most susceptive to data theft. An Email policy would be used for identifying how email services may be used and how much of the information can be shared with the third party An Ethics policy can capture the details of openness of culture, integrity issues, trust factors, ethical practices and impacts on unethical behaviour. Password management: Identification of the minimum requirements for creation and management of passwords. Privacy policy: It can be used to tell how data can be used by the organization maintaining the privacy of users or others who are associated with the organization. Security-related HR policy: This policy takes care of new hires and also includes policies and procedures used for termination. This is useful for management of privileges. This policy relates to newly hired employee orientation and also termination policies and procedures. This is especially important for privilege management. VPN security policy: It highlights the necessary actions that are required to be completed for gaining access to the virtual private network remotely. Wireless communication policy: This policy outlines the standards to be used for wireless systems for connecting to the network of the organization Managers have to be thoroughly investigated. Policies must support the procedures like virus control, password protection and business continuity planning Business needs for information and system availability would be met The policy must be maintained and supported by the Information Security Manager The responsibility of implementation of polices and ensuring that all employees follow the compliance procedure is with all the managers. Everyone working in the organization must comply with the Information Security Policy Training and awareness It is recommended that all the staff members are trained on security aspects such that they are able to deal with security challenges posed by web presence. Training can also foster a compliance program by pushing employees to use certain practices that can ensure that security threats are minimized. Integration technology If the information systems are integrated to provide real time reporting, it can give the company more capabilities than the case of Software as a Service model of adoption. Integration between applications is something like the web pages mashups in which external sources can be combined on the platform as a service (PaaS). For instance, Force.com is an example of the PaaS system which provides capabilities to build applications to independent software developers or vendors. SalesForce is one such application which is already used by the company. Conclusions Brach offices along with the personnel working in the offices are critical assets for the organization at the strategic level. It is essential to make sure that the security of these branch offices is ensured by developing and implementing the measures for security the data and mobile devices. There is an enhanced network management that must be carried out for securing the information and for maintaining the business continuity. Recommendations Third party testing process should be used and implemented WLAN access logs should be compared so that risks and attacks associated with the unknown devices are uncovered Determination of the usage of the app usage associated with the network tools Use and implementation of an identify-centric security model for the purpose of mobility Evaluation of the level of infrastructure integration: The set of applications, cloud services and devices that is available and visible in an unified manner. The identification of the set of appliances that are old and make use of obsolete technology. Estimation of the people hours that may be saved from the IT staff for using a wired or a wireless network. Mobile population of the company: The number of employees that tele-commute an d the mediums that they use The number of employees that are present in this field VPN capabilities that are associated with the same WLAN usage and the population of the devices: The number of the inventory device types that are used The number of form factors along with the operating systems that are used Site survey for the determination of the current usage of geographies and hotspots WLAN capacity that will be required along with the factors that contribute in the growth of tablet and the usage of Smartphones Evaluation of the VoIP and related latency sensitive applications that may assist in the development or building of the WLAN requirements and applications. Evaluation of the 802.11ac. If the use of 802.11ac the costs and architecture associated with it will be required to be developed. Other recommendations Recommendation 1: Implement procedures and policies for supporting the business continuity through consideration of the security aspects such as data protection in business strategy development. Recommendation 2: The use of LAN and mobile devices must be limited till additional protection measures are taken that can be used for covering the mobile device access points. Recommendation 3: An asset register may be maintained for supporting business continuity through the use of risk management processes. Recommendation 4: A cloud based backup system can be created as an offsite solution such that the data remains safer and more reliable without the need of having physical backups. Recommendation 5: Key employee roles that can replace other important employees critical for work must be identified in the succession planning to take over. They must be monitored, evaluated and supported in learning and take over process. Recommendation 6: A training program must be run to make the employees aware of the security aspects and risk scenarios that are associated with business transactions. References Alabady, S. (2009). Design and Implementation of a Network Security Model for Cooperative Network. [online] Available at: https://www.iajet.org/iajet_files/vol.1/no.2/Design%20and%20Implementation%20of%20a%20Network%20Security%20Model%20for%20Cooperative%20Network.pdf [Accessed 18 Sep. 2017]. Berg, H. (2010). Risk Management: Procedures, Methods and Experiences. [online] Available at: https://ww.gnedenko-forum.org/Journal/2010/022010/RTA_2_2010-09.pdf [Accessed 18 Sep. 2017]. Canavan, J. (2001). Fundamentals of Network Security. [online] Available at: https://whc.es/Network/Fundamentals%20of%20Network%20Security.pdf.1.pdf [Accessed 18 Sep. 2017]. Cisco (2008). Wireless and Network Security Integration Solution Overview. [online] Available at: https://www.cisco.com/c/en/us/td/docs/solutions/Enterprise/Mobility/secwlandg20/sec_wireless_overview.pdf [Accessed 16 Sep. 2017]. Crane, L. (2013). Introduction to Risk Management. [online] Available at: https://extensionrme.org/pubs/IntroductionToRiskManagement.pdf [Accessed 18 Sep. 2017]. Dcu (2015). Introduction to Risk Management. [online] Available at: https://www.dcu.ie/sites/default/files/ocoo/pdfs/Risk%20Mgt%20Training%20Slides.pdf [Accessed 18 Sep. 2017]. Debono, R. (2016). Project Risk Management. [online] Available at: https://www.isaca.org/chapters11/Malta/Documents/Events/210416%20-%20Mark_Debono%20-%20Understanding_Risk_in_the_Field_of_Project_Management.pdf [Accessed 18 Sep. 2017]. Joshi, M. and Karkade, R. (2015). Network Security with Cryptography. [online] Available at: https://www.ijcsmc.com/docs/papers/January2015/V4I1201544.pdf [Accessed 18 Sep. 2017]. Pareek, R. (2011). Network Security: An Approach towards Secure Computing. [online] Available at: https://www.rroij.com/open-access/network-security-an-approach-towards-secure-computing-160-163.pdf [Accessed 16 Sep. 2017]. Soriano, M. (2011). Information and Network Security. [online] Available at: https://improvet.cvut.cz/project/download/C2EN/Information_and_network_security.pdf [Accessed 18 Sep. 2017]. Souppaya, M. (2013). Guidelines for Managing the Security of Mobile Devices in the Enterprise. [online] Available at: https://nvlpubs.nist.gov/nistpubs/SpecialPublications/NIST.SP.800-124r1.pdf [Accessed 18 Sep. 2017]. Strebe, M. (2004). Network Security Foundations. [online] Available at: https://imcs.dvfu.ru/lib.int/docs/Networks/Security/Network%20Security%20Foundations.pdf [Accessed 18 Sep. 2017]. Sujithra, M. and Padmavathi, G. (2012). Mobile Device Security: A Survey on Mobile Device Threats, Vulnerabilities and their Defensive Mechanism. [online] Available at: https://dl.icdst.org/pdfs/files/35dc646a4630971fd27c6b2d32661555.pdf [Accessed 18 Sep. 2017]. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-63415084752961850332019-11-29T08:23:00.001-08:002019-11-29T08:23:03.117-08:00Classical Conditioning and Operant Conditioninglilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-52498142579589300432019-11-25T14:25:00.001-08:002019-11-25T14:25:03.375-08:00Importance of Intermodal transportation for the Global supply ChainImportance of Intermodal transportation for the Global supply Chain Free Online Research Papers Intermodal transportation for the global supply chain is extremely important in this current economy and for the current political hot button issues such as the environment. Bottom line driver for intermodal transportation is price and flexibility. In times of skyrocketing fuel prices, LTLââ¬â¢ only advantage is speed of delivery. Un-stable and fluctuating cost can turn a supplierââ¬â¢s books from black to red in very short time. Intermodal transportation is a cheaper way to transport and the prices rarely fluctuate. Intermodal transportation has recently been hyped by many politicians because the volume of goods that can be moved via rail or sea helps reduce the carbon emissions that multiple trucking shipments produce which some scientist say is one of the leading causes of the greenhouse effect in the atmosphere. Levans states that eighty percent of all greenhouse gas emissions attributable to transportation come from trucks and passenger cars; whereas railroads contribute only 2.2 percent. Given that one intermodal train is equivalent to 300 trucks, the positive contribution of intermodal transportation on the environment is both obvious and immediate. International VS Domestic Supply Chains Supply chain management is more complex internationally than domestically or intra-state domestic. Different destination countries each have their own unique rules and requirements, depending on the specific commodity and value of freight being shipped. There are also a variety of export compliance issues that need to be addressed when it comes to international freight shipping. International supply chains have some of the following government regulations that impact import and export of shipping good and service such as the FTR, EAR, and the ITARs, which are regulations, that doesnââ¬â¢t cause any domestic constraints. The FTR ââ¬â Foreign Trade Regulations, which is primarily concerned with the reporting of an export shipment. It is within these regulations that the exporter will find the details about the Automated Export System (AES) reporting requirements and exemptions. The FTR defines valuation; export powers of attorney and record keeping requirements. They also address the ever-vexing questions about the responsibilities of parties when the foreign buyer routes the cargo and selects the international transportation. The EAR ââ¬â Export Administration Regulations. While the FTR deals with statistical reporting of the shipment, the EAR addresses U.S. export control policy. The EAR controls the export of so-called dual use goods and goods that are not controlled by other regulations. Dual use refers to the idea that the product has a commercial function but it also may be used in applications or destinations the U.S. would prefer it not be used. Most commercial shipments are subject to the EAR. The ITARs -International Traffic in Arms Regulations. The U.S. State Departmentââ¬â¢s Directorate of Defense Trade Controls (DDTC) regulates the export of defense articles under the Arms Export Control Act (AECA.) The details of this act are found primarily within the ITARs. Goods regulated by the ITARs are detailed within the munitions list and are subject to an export licensing requirement by the State Department. Logically this list includes weaponry and military equipment. A brief review of the munitions list would imply that it is a simple matter to determine if exports are subject to ITARs. For companies supplying components to the defense industry, however, it may not be as clear. Companies engaged at any level within the defense industry are cautioned about outsourcing production to other countries or exporting any of their goods before reviewing the ITARs. The previous were a few of government-controlled issues that boggle down the supply chain not included was tariffs and other cost associated with shipping internationally. North American Free Trade Agreement (NAFTA) has eased some of the regulations and tariffs for the US border countries of Canada and Mexico and has made the supply chain easier to maintain when trading between NAFTA countries. Reference: 1. Levans, M. 2008 Intermodal Roundtable: Ready to get on board? Logistics Management Website, Mar 2008. logisticsmgmt.com/article/337331-2008_Intermodal_Roundtable_Ready_to_get_on_board_.php 2. Mentzer, J. T., W. DeWitt, et al. A Unified Definition of Supply Chain Management. Working paper. University of Tennessee, Knoxville, 1999. 3. Electronic Code of Federal Regulations (e-CFR http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfrtpl=/ecfrbrowse/Title15/15cfr30_main_02.tpl 4. Border activities get a boost since NAFTA?Logistics Management (2002); Highland Ranch; Nov 2002; William Atkinson. 5. The 21st century freight yard: BNSFs Logistics Park near Chicago Trains; Milwaukee; Jan 2003; Michael W Blaszak Research Papers on Importance of Intermodal transportation for the Global supply ChainDefinition of Export QuotasThe Project Managment Office SystemPETSTEL analysis of IndiaBionic Assembly System: A New Concept of SelfLifes What IfsOpen Architechture a white paperUnreasonable Searches and SeizuresGenetic EngineeringTwilight of the UAWArguments for Physician-Assisted Suicide (PAS) lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-74022075005549908282019-11-21T21:49:00.001-08:002019-11-21T21:49:03.542-08:00Open an unusual business or service in city of Diamond Bar Research PaperOpen an unusual business or service in city of Diamond Bar - Research Paper Example Diamond bar has a total population of 55544 people based on the census conducted in the year 2010; which form total population density of 3731.5 people per square mile or 1440.8 KM2 (City-data, 2013). Notable to mention is that this numbers are much lower than the population count that was conducted in the year 2000 of 56287 people (City-data, 2013). Based on the2010 census, the total racial makeup was proved to compose of 29144 (52.5%) Asians, 18434 (33.2%) whites (with 21.3% Non-Hispanic whites), 2288 (4.1%) African American groups, 178 (0.3% Native Americans, 106 (0.2%) Pacific Islanders, 3237 (5.8%) for other races, 2157(3.9%) from two or more races and finally the Hispano or the Latino forming 20.1% 11138 people (Quickfacts.census, 2014). According to the statistics gathered in 2010, it is evident from the data that there were 17880 household in diamond bar (Quickfacts.census, 2014). Out of the entire population, it emanated that 102 or 0.2% of the households were living on non-institutionalized groupââ¬â¢s quarters while 27 or 0% were living on institutionalized quarters (Quickfacts.census, 2014). Furthermore, basing on age groups, out of the registered 17880 households, it is only 39.2% or 7008 households that had children who were under the age of 18 and this related to 11895 children (City-data, 2013). In addition to this, it was recorded that 5590 (10.1%) people were aged 18 to 24, 13585 (2.5%) people were 25 to 44 years, 17988 (32.4%) were found to aged between 45 to 64 years (City-data, 2013). The elderly people in Diamond bar city which was composed of individuals with 65 years and above formed a population of 6486; relating to 11.7% of total population recorded in 2010 (City-data, 2013). The social status of Diamond Bar revealed that 66% or 11792 of the total population were married opposite sex couples, 2.8% (496) were mature unmarried opposite sex people, 71 (0.4%) were same lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-1061238562605115372019-11-20T17:38:00.001-08:002019-11-20T17:38:03.388-08:00Energy drinks, possible benefits and health risks EssayEnergy drinks, possible benefits and health risks - Essay Example EDs are also purported to enhance alertness and performance .In addition, the paper will also examine the various risks associated with ED which include undesirable effects of caffeine, dangers of mixing EDs with alcoholic beverages, addiction to the drink as well as weight gain which may result in obesity and other cardiovascular ailments. Nevertheless, consumption of energy drinks continues to rise and several people fall prey to the advertising of these drinks. There is therefore need for more research as well as practical steps to protect public health, especially vulnerable individuals such adolescents and pregnant women. Energy drinks(ED) can be described as beverages that are typified by the addition of different energy-enhancing elements and are claimed to enhance concentration, athletic performance, reaction time as well as basal metabolism (Burrows, et al, 2013).Energy drinks therefore contain modest to comparatively high concentrations and levels of caffeine, as compared with other beverages that contain caffeine such as cola. Energy drinkââ¬â¢s popularity has increased exponentially, recording a 240 percent rise in sales from 2004-2009(Reissig, et al, 2009). Thus, within the quickly growing beverage sector, there is dominance by Red Bull which commands 42% of the market share in the US. Red Bull in 2011 sold over 4 billion units in more than 160 states globally. Reports indicate that males aged18-34 years are the greatest consumers of EDs though increased consumption has also been reported amongst younger children as well. In addition, 31% of children aged between12-17 years and 34 percent of young adults aged between 18-24 years reported regular consumption of the energy drinks; with approximately 57 percent of college students claiming frequent use of energy drinks. Energy drinkââ¬â¢s regulation comprising their health warnings and content varies lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-32330067987237332552019-11-18T17:37:00.001-08:002019-11-18T17:37:03.596-08:00Peter Singer's All Animals are Equal Essay Example | Topics and Well Written Essays - 1250 wordsPeter Singer's All Animals are Equal - Essay Example I am urging that we extend to other species the basic principle of equality that most of us recognize should be extended to all members of our own species.â⬠(Singer, 1989) In my opinion, Singer would better communicate his point if he preached on the necessity of compassion for animals, but in this instance, he suggests a quality of rights with humans. To show how quickly Singerââ¬â¢s logic contradicts itself or quickly spirals to the absurd, we can begin with the innumerable treaties that exist in international law that define the extent of Human Rights as decided among humans themselves at the United Nations and other locations. First, we must ask ourselves ââ¬â can even one animal read the ââ¬Å"Universal Declaration of Human Rightsâ⬠? We can accept that any human being, in any human culture on the planet, generally save instances of abnormal injury, can learn to read and understand the document. In comparison, of what may be anywhere from 30 to 230 million different species of animals on the planet, depending on the number of insects, and the number of individual animal beings literally exponential and uncountable to human mind or science ââ¬â not one of these animals can read. In recognizing that some higher mammals can be taught, should one extend the right of education and free speech to insects? It is not in my interest to encourage in any way cruelty to animals, nor to belittle animal intelligence, and dismiss animal culture. I understand the ways in which speciesism may unfold, as defined by Skinner, and support vegetarianism. However, I would suggest that Singer spend years in a jungle or forest location and teach vegetarianism to animals. It may be possible, and I have seen cats for example raised as vegetarians by their owners but not renounce killing by their own choice. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-81645633316371375292019-11-16T06:10:00.001-08:002019-11-16T06:10:11.183-08:00Concept Of Maximising Shareholder Wealth And Competing Theories Finance EssayConcept Of Maximising Shareholder Wealth And Competing Theories Finance Essay Maximizing share holder wealth is a concept in which optimally increasing the long-term value of the firm is emphasized. Milton Friedman recipient of the Nobel Memorial Prize in Economic Sciences is often quoted as saying The business of business is business He actually did say there is one and only one social responsibility of business-to use it resources and engage in activities designed to increase its profits so long as it stays within the rules of the game, which is to say, engages in open and free competition without deception or fraud. Friedman used the term profits, rather than shareholder wealth but the two are often seen as interchangeable. Not only is this not true, there is an increasing body of opinion that views the prime motive of maximizing shareholder wealth as deeply flawed. In the history accounting and finance, it is assumed that the objective of the business is to maximize the value of a company. Put simply, this means that the managers of a business should create as much wealth as possible for the shareholders. Given this objective, any financing or investment decision that is expected to improve the value of the shareholders stake in the business is acceptable. In short, the objective for managers running a business should be profit maximization both in the short and long-term. Shareholders are deemed as the owners of the business. Their main aim is to increase their wealth, finance managers are employed to achieve this aim. In order to maximise shareholder wealth it would mean Maximising the flow of dividends to shareholders through time there is a long term prospective (Arnold, 2005) Shareholder wealth is a short-term gain, and can be artificially increased without adding any tangible assets or products to the companys rooster. You can, for example, simply lay off an entire short-term unessential department; say Research and Development rather than the shop floor, and the next quarters profits will be increased. But what about the social responsibility of the workers made redundant in order to make share price healthy? That is the fallacy with an unthinking mantra of maximizing. Almost any executive decision, no matter how socially irresponsible or unethical can be justified as intended to increase the stock price. Managers on short term leash might stay at the same point on the demand curve but economize more on resource if they must maximize shareholder wealth. Economizing inputs tend to offset the maximisers reducing output. In an economy with widespread monopoly some firms encouraged to maximize shareholder wealth would primarily encourage while others shoul d slash production and reduce allocative efficiency one cannot predict which effect would dominate. Traditional theory suggests that the key aim of any business is to generate the greatest possible value for the company, leading to the maximum possible return for shareholders. As Ian Davies argues, this so-called Shareholder Theory is based on the idea that the ultimate aim of a company is to generate profit and pass this profit, along with any associated value, on to the shareholders who took the risk of purchasing those shares in the first place (Davies, 2007); furthermore, any approach that minimises the companys outgoings will, in theory, contribute to the growth of the asset-value of the company and therefore to the ultimate return to shareholders. Within the concept of Shareholder Theory, there is technically no limit to the methods that might be used in order to maximise shareholder wealth. One of the most commonly used methods, according to Jill H. Ellsworth and Matthew V. Ellsworth, is strategies for the reduction of tax liabilities, in other words reducing the amount of tax paid in order to increase the amount of money that can be paid out as dividends to shareholders (Ellsworth Ellsworth, 2007 ed., p. 58). However, arguably, this theory is overly simplistic: for example, while one strategy might generate greater short-term wealth for shareholders, a less obvious strategy might, in the longer-term, generate far greater wealth. For example, while a company could use surplus profits in order to increase the dividend, it could also use them to invest in projects that could yield far greater gains in the future. This, in turn, could increase the overall share price. This approach highlights an important problem: not all share holders are the same, and while some are willing to wait for the longer-term results, others are after short term gain. There is no guarantee that both can be satisfied by the same approach. COMPETING THEORIES Other theories for example Stakeholder theory asserts that managers should make decisions that take into account the interests of all stakeholders of the firm. Such stakeholders include not only financial claimholders but also employees, managers, customers, suppliers, local communities, government, and others. Thus, stakeholder theory involves trying to maximize multiple objectives. Maximization of shareholder wealth focuses on owners and is a single-valued objective. This does not mean that corporate managers should disregard stakeholders other than owners. On the contrary, they need to be aware of the needs, wants, and interests of these other constituencies, but the owners come first. Although Shareholder Theory has been the dominant approach for many years, the new Stakeholder Theory is gaining ground. This theory suggests that Shareholder Theory is merely one part of the overall strategy that should be employed, with the others including such relatively unfixed concepts as earnings per share, employee satisfaction and environmental protection. Andy Coulson-Thomas argues that Stakeholder Theory is based on the idea that a business is an organic creature that will produce better results for everyone if holistically managed and, overall, led towards a situation in which every aspect of the company is performing well (Worthington et al., 2008, p. 147). This is clearly not a short-term theory, and one again illustrates the dramatic divide between the aims of different shareholders. However, Stakeholder Theory does have one major advantage, which is that it allows a more organic, cross-company angle to be applied, one which allows for stable long-term growth at the ex pense, perhaps, of short-term profit and wealth maximisation. Its also important to consider the size of the company and its location. Size affects such matters as taxation liability and economy of scale, and there are dramatically different rules when it comes to larger corporate entities. Although generalisations are dangerous, its true to say that smaller companies face less legislation in terms of moves to prevent tax avoidance etc., although to compensate for these larger companies often employ legal teams to address such issues. Davies argues that this balances out leading to virtual parity in terms of how companies of different sizes deal with taxation (and) they end up paying virtually the same rates, albeit from very different starting points (Davies, 2007, p. 37). Its also possible to relocate the companys base to a state with little or no corporate income tax, or where potential lawsuits are far more likely to be resolved in the companys favour. This may generate subsequent problems for shareholders, however, since their profits will be considered to be coming from abroad and may therefore be subject to additional taxation. This is an example of what McLaney calls blind strategy (Davies, 2007, p. 6), whereby something that initially seems to be good (for the company) is ultimately bad for the shareholders. In light of the factors above, CEOs of major companies are being urged, to look to other theories of corporate purpose. In this theory, the customer comes first. Perhaps the most notable change of purpose, as advocated by Richard Ellsworth and Ian Davies, is to change corporate focus from the shareholder to the customer. For example, in his book Leading with purpose Ellsworth offers statistics, drawn from a study of 23 companies that show those businesses that were mostly customer-focused exceeded their industries median performance by 36 per cent. But what does focusing on the customer mean? Isnt it something that successful businesses have always done? Yes and no. In his book, The New Business Road Test John W. Mullins defines customer focus as a corporations ability to resolve customers pain. Mullins then goes on to highlight the case of Nike who impacted on the sports shoe market by designing shoes that met the specific speed and endurance needs of distance runners. In 1972, eight years after Nike (then known as Blue Ribbon Sports) was formed, four of the top seben finishers in the Olympic marathon wore Nike shoes. Two decades later, afte r many years of strong growth, Nike targeted women, for whom its products seemed to hold limited appeal. Nikes researchers found that for active women, clothes had to perform a double-duty, handle an intense workout and look good on the street. Nike turned their research iinto new product lines and in 2005 their combined womens business grew by almost 20% outpacing even the companies overall growth. But away from Mullins, Naomi Kliens book, No Logo, shows there is more to Nikes corporate purpose than target markets. Klien points out that Nike is also probably the most famous case of western companies using sweatshop labour a scandal that was bought to national USA attention in 1995-96 and has dogged the company ever since. The question is this: how do we interpret Nikes repeated attempts to change unethical working practices at its various sites around the world? What do we say about the introduction of schools, donations and increased wages it has given out to workers it previously exploited? Can they be seen as cynical attempts by a panicked business to maintain shareholder value, or genuine efforts to resolve their customers moral pain? Nikes efforts at ethical working practices brings me to CSR Corporate Social Responsibility CSR has become the basis on what organisations do well. There are several studies as to what CSR is, several researchers (Friedman, Rudolf, Davis etc.) have given their own definitions, the World Business Council has defined it as the continuing commitment by business to behave ethically and to contribute to economic development while improving the quality of life of the workforce and their families, as well as of the local community and society at large. (Source: Xrefer, definition of Corporate Social Responsibility) Companies usually implement CSR into their policies and practices so the effects of their activities have a positive social, environmental, legal and economic impact on the communities in which they operate and on their stakeholders. Some organisations behave more socially responsibility because it is an obligation by the managerial board, but also because of fear of backlash from environmentalist and consumer pressure groups and the media, and negative corporate image. It has been argued that behaving in a more socially responsibility manner can be beneficial to an organisation in the long run. A good example of an ethical organisation is the Body Shop. The Body Shop was founded by Anita Roddick in 1976, and has achieved worldwide status for being profitable and socially responsible, which proved that an organisation can be ethical and successful and reward shareholders and satisfy stakeholders at the same time. It has achieved worldwide popularity due its ethical practices, famously recognised for being against animal testing and promoting cosmetic products that have not been tested on animals, . They had a business case to provide body care products that have not been tested on animals and their business case just provides further support that an organisation can be profitable whilst being ethical. SHAREHOLDER WEALTH CRITICISM Another difficulty with Shareholder Theory is that aspects of wealth growth, most notably those related to tax, are increasingly complex and require a variety of forensic-level approaches that are often impossible for a large corporation to undertake. For example, some shareholders might benefit from a corporation-based tax reduction strategy, while others might be better off utilising their own such systems. Its impossible to tell which system will suit which shareholder, and its also impossible to mix the two systems. There is therefore a fundamental need to balance competing needs and, often, to find a balance that generates the best average result for shareholders. To compensate for such problems, companies can help their shareholders to form their own corporation designed to either own stock or to act as consultants (mainly for smaller companies). A. McNeil notes that such tactics are likely to appeal only to shareholders who are more proactive in their involvement in the company, whereas research shows that over three quarters of shareholders prefer a far more passive involvement (McNeil, 2007, p. 85). Furthermore, a number of commentators have argued that such tactics usually offer fewer benefits than they promise on paper, since there must be consideration given to the costs of incorporation and the operation of such a company. Turner and Johnson, for example, argue that the hidden costs in such an operation almost always outweigh the possible benefits (Turner Johnson, 2003, p. 238). Ultimately, the concept of maximising shareholder wealth represents a return to the principle of using a business in order to increase the wealth of individuals. As Andy Coulson-Thomas has suggested, this approach has often been lost in recent years as individuals (instead) work for the greater good of the company, which is often valued more highly than the wealth of the shareholders (Worthington et al., 2008, p. 58). Its clear that attempts to focus on the maximisation of shareholder wealth often involve increased complexity and, as a result, present a number of potential points at which profit can be lost. There are a number of conflicting theories in terms of which approach might be best when it comes to maximising shareholder wealth, but its clear that the most fundamental problem is that shareholders often have different, and in many cases competing, aims the key difference is in terms of how quickly they want to see a profit, and the needs of short-term profit-seekers are like ly to contradict the needs of those seeking a longer-term profit generation system. There is even the problem with the stock price itself as illustrated in my third paragraph above. It simply isnt always in management control. Again, as we have seen recently, share value largely depends on the confidence the market has in a corporation or the sector that the corporation operates in. as confidence in the banking sector has recently plummeted, even organizations with a healthy balance sheet have seen their share prices tumble. Consider the monopolist in a nation that denigrates shareholder wealth maximization and has rules and norms that discourage lay-offs. Employees cannot easily be laid off. Their jobs cannot be radically reconfigured without their consent. As such, the monopolist might not cut production and raise prices further, despite the shareholder-wealth-maximization basis for doing so, because it must pay the employees anyway if labor markets are rigid and if it cannot costlessly redeploy its workforce. In such circumstances, not only are the employees with jobs protected, but national wealth is increased (or at least not decreased) by slack agency controls on managers. A weak shareholder primacy norm facilitates greater production. I would say there is the problem of the shareholders themselves. These are not necessarily long-term investors with the interests of the company at heart, but transient individuals, some of whom, as we have seen lately, may actually look to make money out of a business by betting on the share price going down .i.e. taking the fall of shareholders like Conrad Black and Bernard Madoff. As per tutor2u,à Managers of a business should create as much wealth as possible for the shareholders. Given this objective, any financing or investment decision that is expected to improve the value of the shareholders stake in the business is acceptable. This is based on the assumption that managers operate in the best interests of stockholders, not themselves, and do not attempt to expropriate wealth from lenders to benefit stockholders. Another assumption is that managers act in a socially responsible manner and do not create unreasonable costs to society in pursuit of stockholder wealth maximization.à à (Blackwell publishing, 2009) Wealth maximization is achieved by maximization of the cash flows of the organization.à à Cash flow is a better yardstick than the profits. There are several objections against the profit maximization: One it is vague; there are multiple meanings of Profit.à à For example profit after tax, retained earnings. Thus profits cannot be the ultimate goal. Two it is uncertain; as per Freemba, Profit cannot be ascertained well in advance to express the probability of return as future is uncertain. It is not at possible to maximize what cannot be known. Hence the timing of the profit cant be estimated. Three it ignores time value of money; Profits ignore the time value of money which is not in the case of cash flows. One can exactly find the timing of cash flows. Hence cash flow is a better measure. CONCLUSION Despite its advantages of greatly simplifying directors decision making we should discard the fictional undiversified shareholder concept for two reasons. First, it is highly unrealistic, more so than the other alternatives here considered. Second, it is indeterminate as to the degree of risk-aversion that should be ascribed to this fictional shareholder, and this degree of freedom completely undercuts ability of the shareholder wealth maximization norm to constrain director conduct. Theà goal of Maximization of profits I think to be a narrow outlook. Evidently when profit maximization becomes the basis of financial decisions of the concern, it ignores the interests of the community on the one hand and that of the government, workers and other concerned persons in the enterprise on the other hand. Hence profit maximization is not considered as the ultimate financial objective. Wealth maximization is considered to be the most important financial objective Organization should also consider non financial objectives too to satisfy the other stakeholders of the organization. Stakeholder can be a person, group, organization, or system who affects or can be affected by an organizations actions. This means satisfying the objectives of customers, suppliers, government agencies, families of employees, special interest groups.à This will help in achieving the success in long term too. Ultimately, the concept of maximising shareholder wealth represents a return to the principle of using a business in order to increase the wealth of individuals.This approach has often been lost in recent years as individuals work for the greater good of the company, which is often valued more highly than the wealth of the shareholders Its clear that attempts to focus on the maximisation of shareholder wealth often involve increased complexity and, as a result, present a number of potential points at which profit can be lost. There are a number of conflicting theories in terms of which approach might be best when it comes to maximising shareholder wealth, but its clear that the most fundamental problem is that shareholders often have different, and in many cases competing, aims the key difference is in terms of how quickly they want to see a profit, and the needs of short-term profit-seekers are likely to contradict the needs of those seeking a longer term profit generation system I also conclude that from above highlights it shows just how complex and interlinked all the financial and psychological aspects of business are. It is no longer enough (if it ever was) for businesses to concentrate soley on their shareholders. In the current climate of a credit crunch fuelled by a potent mix of incompetence and greed, with business ethics under scrutiny like never before, the customer is all of us. And the pain we need resolving is not just economic, but social and environmental as well if corporation investment decisions are best pursued through the use of a fictional shareholder concept, rather than through attempts by directors to ascertain and satisfy to the extent possible the conflicting preferences of their corporations actual shareholders and perhaps other stakeholders as well then the fictional diversified shareholder concept, despite its significant implementation difficulties, is the preferred alternative among those here considered. . lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0tag:blogger.com,1999:blog-6954367983513272317.post-84488013918698210062019-11-13T18:41:00.001-08:002019-11-13T18:41:03.892-08:00The Importance Of The Human Genome Project Essay -- Science Genetics BThe Importance Of The Human Genome Project This is the outstanding achievement not only of our lifetime, but of human history. I say this, because the Human Genome Project has the potential to impact the life of every person on this planet. It is a giant resource that will change mankind, much like the printing press did. The famous words of Dr. James Watson resonated as a victory bell, signaling the successful completion of what many deemed the boldest undertaking in the history of biology: The Human Genome Project (2003). On the fiftieth anniversary of the day that forever changed science the day Watson and his colleague Francis Crick unraveled the secret of life, the structure of deoxyribonucleic acid the world was presented with another shocking discovery: the complete sequence of the human genome. Almost immediately, uproar swept throughout the science community and the world-at-large, as many believed that the solution to our problems had finally arrived the true secret of life the panacea that would dissipate the ominous clouds of disease and suffering. Yet, as often happens when a promising new idea is presented on tenuous grounds, the revelers had only heard a fraction of the entire story; their grand hopes were born primarily of imagination. But when all the celebratory confetti had cleared, there stood defiantly amidst all the hoopla voices of reason. Molecular anthropologist Jonathan Marks voice was one of these. In an excerpt from his literary work What It Means to be 98% Chimpanzee: Apes, People, and Their Genes, Marks undermines the importance of the Human Genome Project and our genes, advocating instead a more rational and moderate view of them. By exposing three of the Project s flaws, he hopes to convince... ...ealize that our genes are but one aspect of our history, that there are many other histories that are even more important it is a delusion to think that genomics in isolation will ever tell us what it means to be human (2001, paragraph 11). Indeed, everything is not solely in our genes. Works Cited Beckwith, J. (2002). Geneticists in society, society in genetics. In J. Alper (Ed.), The double-edged helix (pp. 39-57). Baltimore: The Johns Hopkins University Press. Lewontin, R.C. (1991). Causes and their effects. Biology as ideology: the doctrine of DNA (pp. 41-57). New York: HarperPerennial. Marks, J. (2002). The meaning of human variation. What it means to be 98% chimpanzee: apes, people, and their genes (pp. 88-95). Berkeley: University of California Press. Paabo, S. (2001). The human genome and our view of ourselves. Science Magazine 291, 1219-1220. lilafisher19948http://www.blogger.com/profile/05759855460181785283noreply@blogger.com0