Lions Clubs international Public Relations Plan Assignment

Lions Clubs global Public Relations Plan - Assignment Example Moreover, this advertising plan will start helping the Lions Club International with accomplishing issues featured in its Strategic Plan however by fortifying its advertising correspondences and making a more prominent consciousness of the associations accomplishments in the network. As Cutlip et al (200) suggest the arrangement has as its center expect to deliberately situate Lions Clubs International in high perceivability outlets which will serve to expand the comprehension and picture of Lions Clubs International. In 1917, a protection specialist from Chicago by the name of Melvin Jones, understanding the capability of a bound together reason, considered the thought of joining numerous little autonomous help associations under one umbrella to give Administration to Humanity (LCI 2005, screen1). From its unassuming beginnings the Lions Club International (LCI) has developed to turn into the biggest assistance club on the planet with an enrollment of practically 1.4 million individuals in 197 nations joined to give administration without individual prize (Lions Fact 2005, PDF 4). LCI is without political or strict alliance; this self-sufficiency has permitted the association to focus on creating programming consistent with its strategic vision without a qualification being attracted respect to race, statement of faith, nationality, religion or governmental issues. Upon its underlying extension inside the United States in 1919, a part from Denver Colorado proposed that the LCI not just spoke to brotherhood, great partnership, quality of character and reason, yet in imagining the utilization of the name LIONS as an abbreviation made what he saw as a progressively accurate meaning of citizenship: Freedom, Intelligence, Our Nation's Safety which was received as the club's motto. The aphorism as expressed above seems to be We serve. (LCI 2005, screen1). Since it's beginnings in 1917 LCI has spread internationally. Spreading from the United States to Canada in 1920, the club at that point extended to China, Mexico and Cuba in 1926/7. The spread to Central and South America started in 1936. Australia saw its first Lions Club in 1947, and the next year clubs all through Europe were built up. In 1952 the main club in Japan was sanctioned, and by the 1960's LCI shaped clubs in Africa. Following 40 years LCI was genuinely a worldwide association with participation on each landmass. LCI in Britain started in 1950. Sovereign Elizabeth had sent an emissary to Canada to thank the Canadian Lions for sending cash to help the kids stranded during the World War II barrage. The Windsor Ontario LCI facilitated the principal British Club which was contracted on March 1, 1950 in London. The sanction President of this first club was Lord Leconfield. The clubs before long spread all through Britain and the remainder of the UK. Glasgow saw the

Affect vs. Effect

Influence versus Impact Influence versus Impact Influence versus Impact By Mark Nichol Among the sets of words essayists regularly confound, influence and impact may be the most puzzling, maybe on the grounds that their implications are so comparative. Influence, got from affectus, from the Latin word afficere, â€Å"to plan something for, act on,† is effectively conflated with impact, acquired from Anglo-French, at last originating from the Latin word effectus, from efficere, â€Å"to bring about.† Whats the distinction among influence and impact? Influence is typically an action word, which means to impact or follow up on. Model: The loss of his dad influenced him significantly. Impact is typically a thing, which means the aftereffect of an activity. Model: What will be the impact of shutting down Main Street? Beneath you will discover less normal implications and related or subsidiary words. Influence The different faculties of effect, each followed by a sentence showing them, follow: A thing meaning â€Å"mental state†: â€Å"In his report, the specialist, taking note of his absence of articulation or different indications of feeling, portrayed his effect as flat.† An action word meaning â€Å"to produce an impact, to influence†: â€Å"I realized that my feeling would influence her decision, so I purposely retained it.† An action word meaning â€Å"to pretend† or â€Å"to put on†: â€Å"She attempted to influence a demeanor of lack of concern, however she was noticeably agitated.† Words with influence as the root, trailed by their utilization in a sentence, incorporate the accompanying: Gesture: A thing meaning â€Å"self-cognizant behavior†: â€Å"The girl’s gesture of advanced development was undermined by the steady snapping of her biting gum.† Fondness: A thing meaning â€Å"kind or adoring emotion†: â€Å"Her grandfather’s profound friendship for her was evident in his inspiring smile.† Repelled: A descriptor meaning â€Å"discontented, rebellious†: â€Å"Disaffected youth overwhelmed by the poor employment showcase and the bigger issue of a general public that doesn't appear to esteem them have been joining the dissent development in ever more prominent numbers.† (This word is an instance of an antonym that has outlasted the first term from which it was determined in contradiction; scholars and speakers not, at this point express, in the feeling of â€Å"favorably disposed,† that an individual is influenced.) Unaffected: A descriptor with two unmistakable faculties: the strict importance of â€Å"not affected or altered† (â€Å"They appeared to be shockingly unaffected by the heartbreaking news†) and the shockingly more established, allegorical significance â€Å"genuine† (â€Å"The youth’s real, unaffected mien engaged her after the unnatural haughtiness of her numerous suitors†). Impact The different faculties of impact, each followed by a sentence exhibiting them, follow: A thing meaning â€Å"the aftereffect of a cause†: â€Å"The impact of the disproportionate vote was lost trust in the chairman.† A thing meaning â€Å"an impression†: â€Å"The delicate, delicate tone has a quieting effect.† A thing, normally in plural structure, which means â€Å"personal property, possession†: â€Å"Among the impacts found in the expired man’s pockets was a little book with his name self-inscribed.† An action word meaning â€Å"to accomplish†: â€Å"His recently discovered awareness of other's expectations affected a positive change in her demeanor toward him.† Words with impact as the root, trailed by their utilization in a sentence, incorporate the accompanying: Delayed consequence: A thing, generally in plural structure, which means â€Å"something that follows a cause†: â€Å"The eventual outcomes of the choice are as yet being felt years later.† Compelling: A modifier meaning â€Å"successful†: â€Å"The creepy crawly repellent was powerful at keeping the mosquitoes under control, which made for a wonderful outing.† Useful: A descriptor meaning â€Å"able to deliver an ideal effect†: â€Å"Our end is that intervention is a solid methodology for acquiring a commonly fulfilling outcome.† The thing proficiency and the descriptive word proficient, however not founded on the root impact, share its etymological birthplace and mean, separately, â€Å"productivity† and â€Å"productive† in the feeling of achieving something with at least exertion according to result. Adequacy (â€Å"the capacity to deliver an ideal effect†) and effectual (â€Å"able to create an ideal effect†) are likewise related. Another, sudden expression of related starting point is careless (â€Å"weak, worthless†), which is uncommon and has lost its antonym, feckful, through long neglect. Feck is an abbreviated type of impact created in Scottish English. Citations from papers Duty victors and failures: How Trumps exchange spat could influence customers. President Trumps burden of taxes on imported (www.usatoday.com) 405,000 years, gravitational pulls from the planets Jupiter and Venus slowly influence Earths atmosphere and living things, as per another investigation. (www.usatoday.com) he says. â€Å"You can eat as much as possible, good-for-nothing about, you can drink as much liquor as you like †the impact is unobtrusive contrasted and these other two factors.† Human creatures are organically designed for (www.theguardian.com) European Union taxes produce results in Trump battle: How they will hit American productsThe Europe (www.usatoday.com) Video Recap A Quick and Easy Way to Know Whether to Use Affect or Effect Keep in mind, a general dependable guideline is that â€Å"affect† is typically an action word (a â€Å"doing word†) and â€Å"effect† is normally a thing (something you can put â€Å"the† before). This doesn’t apply constantly, obviously †as we’ve seen above, there are bunches of manners by which the words â€Å"effect† and â€Å"affect† can be utilized. It’s a decent spot to start, however, on the off chance that you’re uncertain which you need. Here’s an example sentence: I don’t think this will [affect/effect] the spending plan. Which word, influence or impact, is right? A simple method to make sense of this is to supplant â€Å"affect† with the action word â€Å"alter† and check whether the sentence works: I don’t think this will adjust the spending plan. Indeed †it despite everything bodes well, so â€Å"affect† is the word you need. Here’s another sentence: We haven’t yet encountered the full [affect/effect] of environmental change. Would we be able to utilize â€Å"affect† here? Take a stab at supplanting it with â€Å"alter†: We haven’t yet encountered the full adjust of environmental change. No, that doesn’t bode well by any means. What about â€Å"effect†? Take a stab at supplanting that with the thing â€Å"end result†: We haven’t yet encountered the full final product of atmosphere changes. It’s a marginally inelegant sentence †yet it accomplishes work syntactically. So â€Å"effect† is the word you need here. This standard won’t work for each and every circumstance, except much of the time, it’ll help you rapidly select the word that you need. Shouldn't something be said about Affect as a Noun and Effect as a Verb? It’s genuinely uncommon to go over â€Å"affect† utilized as a thing: as we saw above, when it is utilized along these lines, it implies â€Å"mental state†. You may experience it in some more seasoned works or genuinely logical ones about psychiatry. It’s somewhat more typical to go over â€Å"effect† utilized as an action word, however this is still genuinely uncommon and it can appear to be a little good old in this unique circumstance. It’s used to mean â€Å"brought about† or â€Å"accomplished† †for example â€Å"The fast changes she made after she landed the position affected a total turnaround in the company’s budgetary position.† Regardless where you’re questionable, however, it’s likely that influence is an action word (supplant it with â€Å"alter† to check) and impact is a thing (supplant it with â€Å"end result† to check). Influence versus Effect Quiz For each sentence, select which word ought to be utilized: 1. The spending cuts will unavoidably [affect/effect] our area of expertise. influence impact 2. The [affect/effect] of rising early is that you can make an extraordinary beginning on the day preceding a great many people are up. impact influence 3. Smoking will genuinely [affect/effect] your wellbeing. influence impact 4. Numerous individuals locate that ordinary exercise has a positive [affect/effect] on their psychological wellness. impact influence Need to improve your English quickly a day? Get a membership and begin accepting our composing tips and activities day by day! Continue learning! Peruse the Misused Words class, check our well known posts, or pick a related post below:50 Handy Expressions About HandsOwing to versus Due to50 Tips on How to Write Good

Nutrition and Obesity Crisis

For what reason is parental duty the premise of every arrangement? 5. In view of my exploration, for what reason do I infer that parental responslblllty Is the best answer for the corpulence crlsls? Extended Research Questions: 1 . What Is stoutness and why Is It an Important Issue? (Introduction) a. insights b. story c. hesis 2. What foundation Information Is important to comprehend this issue completely? a. brief history of emergency b. brief impacts of emergency 3. What arrangements have been advanced to help illuminate the stoutness emergency? a. Dietary arrangements b. Exercise arrangements 4. Why Is parental responslblllty the premise of every arrangement? 5.Based on my exploration, for what reason do I presume that parental obligation is the best answer for the corpulence emergency? These are instances of extraordinary inquiries to pose. America is one of the most large nations on the planet, and the reasons are very self-evident. Simply investigate you. Inexpensive food chain s on each square (undesirable nourishments re significantly less costly than the solid food sources we ought to eat), increasingly more innovation to make our lives simpler (and lazier), and high measures of pressure are altogether factors to weight gain In our country.A late examination In January 2010 shows that corpulence rates have arrived at a consistent level and remained there for as long as five years, yet at the same time the degrees of heftiness are as yet unsatisfactory. Right around 34 percent of American grown-ups are large; this number Is more than twofold the measure of 30 years prior. Furthermore, the level of hefty youngsters has almost significantly increased in that time, to 17 percent. Is it accurate to say that we are doing what's necessary to cut these numbers down?

Weighted Averages in SAT Math

The phrase â€Å"weighted average† may be a little scary sounding, but it’s nothing to get freaked out over. Usually weighted averages on the SAT will use the basic formula for finding the mean (link to â€Å"SAT Math Types of Averagesâ€Å"). Its pretty much the same skill. What is a â€Å"weighted average†? Basically, weighted means uneven, here; the numbers that you’re looking at don’t carry the same importance. For example, if I’m trying to find the average number of fleas that my pets have, and each cat has 150 while each dog has 200, then those two numbers have equal â€Å"weight† only if I have the same number of cats as dogs. Let’s say I have 1 of each. That’s just a normal mean, so that’s no problem. Well, the fleas are a problem, I guess. And the fact that I’m counting fleas might have my family a little worried†¦anyway, the math is easy. But that’s a non-weighted average. For a weighted average, I would have a different number of cats than dogs. Let’s say I had 3 cats and 2 dogs. (And they all have fleas†¦things are starting to get kinda gross. Sorry.) In order to give them the appropriate weight, we’d have to multiply each piece appropriately and change the total (denominator) to reflect it. But if you expand that, you’ll see that it’s the same as the standard mean formula. Just make sure you divide by five (because I have seven pets) not two (for two types of pets). Finding average rates Average rates are a type of weighted average. Your SAT will include a problem or two about these, and you need to be sure not to fall for the common trap. Maria’s drive to the supermarket takes her 20 minutes, during which she averages a speed of 21 miles per hour. She takes the same route home, but it only takes 15 minutes to cover the equal distance. What was Maria’s average speed while driving? 15.5 mph 21 mph 24 mph 24.5 mph 28 mph This is a tricky, multi-step problem, and you can’t plug in the answer choices to solve it, sadly. Let’s first find all of our information, because the question has only given you part of it. You need to know the formula r=d/t (rate = distance/time), also expressed as d=rt (easily remembered as the â€Å"dirt† formula). We’re going to use it both ways. Using that formula, let’s look at the first leg of her trip. She travelled for of an hour at 21 mph, so she must have travelled 7 miles. That’s Using that info, we can figure out the rate of her trip back home. Going 7 miles in of an hour on the way home, she went an average of 28 mph. That’s So now we need to find the total average. That’s not the average of the two numbers we have! Because each mile she travelled on the way there took more time than each mile on the way home, they have different weights! âÅ"â€" Instead, you need to take the total of each piece—total time and total distance—to find the total, average rate. âÅ"“ Weighted averages that you won’t see on your SAT Ive never seen an SAT question that asks you to find an average based on percent weights (e.g. finding a final grade in a class where quizzes count for 70%, attendance for 20%, and participation for 10%). Finding that average is a little more complicated, so it’s nice that we don’t have to worry about it. Simply put If you’re finding the average of two sets of information that already are averages in their own right, like the number of fleas per cat and the number fleas per dog, you can’t just take the mean of those averages. You have to find the totals and then plug them into the formula. You should be excited for these kinds of problems, if for nothing more than having the opportunity to bust out your handy-dandy, brand-spankin new SAT calculator. 😛

My Mom And I Had An Unbreakable Bond From The Day I Was Born

My mom and I had an unbreakable bond from the day I was born. For starters, her and I were alone. Me, a new born, and a 19 year-old graduate, beginning a new life. Although she was a single mother, we had an amazing amount of support from family. I grew up surrounded by three loving uncles and two magnificent grandparents. So, technically, we weren t â€Å"alone.† But in many ways, it was just her and I, which made us have a relationship many people can t say they have with their mom, and she taught me so many things throughout the years. As I reminisce, I recall many absents of my mother. She wasn t leaving because she wanted to, but only to support and care me, making sure I had all of the good things as a little girl. Being a single†¦show more content†¦Knowing she played both roles as mother and father, I hope to amount to at least half of the woman she is. Because of the absence of a father figure, my mother took care of everything. The finances she took care of from me growing up is what amazes me the most. I think of all of these times and it makes me realize things. A woman can do what really she sets her mind too. Although my mom was raising me on her own with a job, or sometimes two on hand, I was raised right. Financially, she made sure I always had enough of everything; clothes, food and entertainment. We lived in houses that could fit inside other houses, and in places that were only guest houses to the owners. Because of the low income life I lived before my adopted dad came along, its taught me to save. Saving is important and furthering my education is important. A college fund was never planned as I was younger, but my parents to this day assure me college will never be something I m deprived of. After my mom married, three little girls were soon to be named my little sisters. With a current five year old, two year old and one year old, budget is tight. Timing could have been better, but I know if I work hard and apply all the skills my mom learned and taught me when I was younger, I ll work and work to pay off every loan and bill I owe for furthering my education. I plan to pay back my parents for all they ve done for me as I was growing up, and giving back to my mother forShow MoreRelatedReview Of The Other Wes Moore 1038 Words   |  5 Pagesthe people closest to you and the bonds you share with them. This can be seen throughout the story such in the lives they lived and the results that followed their actions. At first, Wes A lost his fathers in the same day and his mother couldn’t handle the death of her husband so they moved in with her parents. 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She had a boyfriend named Duke, who she thought was the sweetest guy ever to exist. Megan and her mother, Debby, shared a special bond that no one else had, not even her and her boyfriend. Megan and her mother looked significantly alike. Megan and her mother both had beige blonde hair with light blue-green eyes. They were alike in ways other than physical appearance, too. They had their differencesRead MoreEssay on To In-Vitro or End Vitro1835 Words   |  8 Pages(frozen) for future use.(retrieved on June 12, 2011, from www.medterms.com) IVF was originally devised to permit women with damaged or absent Fallopian tubes to have a baby. Normally a mature egg is released from the ovary (ovulated), then enters the Fallopian tube, and waits in the neck of the tube for a sperm to fertilize it. With defective Fallopian tubes, this is not possible. In vitro fertilization literally means fertilization in glass. 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Shawshank Film Critque - 1485 Words

The Shawshank Redemption Film Critique The Shawshank Redemption is a brilliant story set in the brutal life of Shawshank Penitentiary. The movie has a very well structured plot; there is a clear beginning, middle, and end—Act I, Act II, and Act III – which all come together as a whole to make a great film. In the movie, a young banker, Andy, is convicted of murdering his wife and her lover and is sentenced to Shawshank Penitentiary. In prison, Andy meets and forms a strong bond with another convicted killer, Red; the narrator of the story. Red plays an important role in the prison; he can deliver contraband of almost any type into the prison. This makes him a vital man within the prisons social structure and it is also the reason that he†¦show more content†¦The warden of Shawshank, Norton, also realizes that a man of Andys skills is useful. Norton is doing some sort of scam and asks Andy for his help there as well. One day, Andy hears from another prisoner, Tommy, whose former cellmate had bragged about killing a rich golfer and a lawyers wife, and framing the lawyer for the crime. Upon hearing Tommys tale, Andy realizes that if this evidence could be brought before a court, he could be given a new trial and a chance at freedom. Norton mocks at the story, however, and as soon as possible he makes sure Tommy pays for his actions. Andy is too constructive and helpful to the warden to be allowed to go free; furthermore, he knows every element about Nortons corrupt dealings. After losing his temper with the warden over the issue, and spending a couple of months in solitary as a result, Andy convince himself that he will never be set free legally. After many years in prison, Andy shares information with Red about a mystery secret hidden behind a rock wall, describing exactly how to find the place and how one day a false identity—Peter Stevens— will own a small seaside resort hotel in Mexico. Andy also tells Red that he could use a man who knows how to get things. Red , confused about why Andy has confided this information in him, reflects on Andys continued ability to surprise. So much of the details are important in the

Banking Essay Example For Students

Banking Essay BankingSo Much for That Plan More than 70% of commercial bank assets are held by organizations that aresupervised by at least two federal agencies; almost half attract the attentionof three or four. Banks devote on average about 14% of their non-interestexpense to complying with rules (Anonymous 88). A fool can see thatgovernment waste has struck again. This tangled mess of regulation, amongother things, increases costs and diffuses accountability for policy actionsgone awry. The most effective remedy to correct this problem would be toconsolidate most of the supervisory responsibilities of the regulatory agenciesinto one agency. This would reduce costs to both the government and thebanks, and would allow the parts of the agencies not consolidated toconcentrate on their primary tasks. One such plan was introduced byTreasury Secretary Lloyd Bentsen in March of 1994. The plan called forfolding, into a new independent federal agency (called the BankingCommission), the regulatory portion s of the Office of the Comptroller of theCurrency (OCC), the Federal Reserve Board, the Federal Deposit InsuranceCorporation (FDIC), and the Office of Thrift Supervision (OTS). This planwould save the government $150 to $200 million a year. This would also allowthe FDIC to concentrate on deposit insurance and the Fed to concentrate onmonetary policy (Anonymous 88). Of course this is Washington, not TheLand of Oz, so everyone cant be satisfied with this plan. Fed Chairman AlanGreenspan and FDIC Chairman Ricki R. Tigert have been vocal opponents ofthe plan. Greenspan has four major complaints about the plan. First, divorcedfrom the banks, the Fed would find it harder to forestall and deal withfinancial crises. Second, monetary policy would suffer because the Fed wouldhave less access to review the banks. Thirdly, a supervisor with nomacroeconomic concerns might be too inclined to discourage banks fromtaking risks, slowing the economy down. Lastly, creating a single regulatorwould do a way with important checks and balances, in the process damagingstate bank regulation (Anonymous 88). To answer these criticisms it isnecessary to make clear what the Feds job is. The Fed has three mainresponsibilities: to ensure financial stability, to implement monetary policy, andto oversee a smoothly functioning payments system (delivering checks andtransferring funds) (Syron 3). The responsibilities of the Fed are linked to thebanking system. For the Fed to carry out its job it must have detailedknowledge of the working of banks and financial markets. Central banksknow from the experience of financial crises that regulatory and monetarypolicy directly influence each other. For example, a banking crises can disturbmonetary policy, discouraging lending and destroying consumer confidence,they can also disrupt the ability to make or receive payments by check or totransfer funds. It is for these reasons that it is argued that the Fed mustmaintain a regulatory role with banks. The Tre asury plan would leave the Fedsome access to the review of banks. The Fed, which lends through itsdiscount window and operates an interbank money transfer system, wouldhave full access to bank examination data. Because regulatory policy affectsmonetary policy and systemic risk, it is necessary that the Fed have at leastsome jurisdiction. The Fed must be able to effectively deal with current policyconcerns. The Banking Commission would be mainly concerned with thesafety and stability of the banks. This would encourage conservativeregulations, and could inhibit economic growth. The Fed clearly has a handson knowledge of the banking system. The common indicators of monetarypolicy the monetary aggregates, the federal funds rate, and the growth ofloans are all influenced by bank behavior and bank regulation. .ueb28bff2f50a80574964639c5e6a8305 , .ueb28bff2f50a80574964639c5e6a8305 .postImageUrl , .ueb28bff2f50a80574964639c5e6a8305 .centered-text-area { min-height: 80px; position: relative; } .ueb28bff2f50a80574964639c5e6a8305 , .ueb28bff2f50a80574964639c5e6a8305:hover , .ueb28bff2f50a80574964639c5e6a8305:visited , .ueb28bff2f50a80574964639c5e6a8305:active { border:0!important; } .ueb28bff2f50a80574964639c5e6a8305 .clearfix:after { content: ""; display: table; clear: both; } .ueb28bff2f50a80574964639c5e6a8305 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ueb28bff2f50a80574964639c5e6a8305:active , .ueb28bff2f50a80574964639c5e6a8305:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ueb28bff2f50a80574964639c5e6a8305 .centered-text-area { width: 100%; position: relative ; } .ueb28bff2f50a80574964639c5e6a8305 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ueb28bff2f50a80574964639c5e6a8305 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ueb28bff2f50a80574964639c5e6a8305 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ueb28bff2f50a80574964639c5e6a8305:hover .ctaButton { background-color: #34495E!important; } .ueb28bff2f50a80574964639c5e6a8305 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ueb28bff2f50a80574964639c5e6a8305 .ueb28bff2f50a80574964639c5e6a8305-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ueb28bff2f50a80574964639c5e6a8305:after { content: ""; display: block; clear: both; } READ: Women Who Changed The World: Rosa Parks Essay We will write a custom essay on Banking specifically for you for only $16.38 $13.9/page Order now Understanding changes and taking action in a timely fashion can be achievedonly by maintaining contact with examiners who are directly monitoringbanks (Syron 7). The banking system is what ultimately determines monetarypolicy. It is only common sense to have personnel in the Fed that have abetter understanding of the system other than just through financialstatements and examination reports. The Fed also needs the authority tochange bank behavior that is inconsistent with its established monetary policyand with financial stability. This requires both the responsibility for writing theregulations and the responsibility for enforcing those regulations through banksupervision. State banking charters have already started to be affected. Under the proposed plan, state chartered banks would be subject to tworegulators. While the federal bank would have only one. Thus, making thestate bank charter less attractive. However, an increasing number of banksare opting for state supervision. It turns out that many banks are afraid oflosing existing freedoms, or of failing to gain new ones, if supervision iscentralized. State regulators have given their banks more freedom thanfederal ones: 17 now permit banks to sell insurance (and five to underwrite it,23 allow them to operate discount stockbrokers and a handful even let themrun estate agencies (Anonymous 91). The FDIC has two main criticisms ofthe Treasurys plan. First, FDIC Chairman Tigert believes that it is veryimportant that there be checks and balances in the system going forward(Cocheo 43). Second, Tigert believes that, since the FDIC is the one whowrites the checks for bank failures, the FDIC should be allowed to keep itsindependence. It is necessary to maintain the c hecks and balances ofdifferent agencies. This separation is necessary because of the differences inexaminations of the different regulatory agencies with respect to the sameinstitutions. It is important that the independent deposit insurer have accessto information thats available not only through reporting requirements, butalso through on-site examinations (Cocheo 43). Tigert explains that the FDICmust keep backup examination authority. As well as maintain the ability toconduct on-site examinations of all institutions it insures, not just thestate-chartered nonmember banks it supervises directly. She agrees withthose who say there is no need for duplicative examinations, but insists FDICmust be able to look at institutions whose condition or activities have changeddrastically enough to be of concern to the insurer. While consolidation of thebank supervisory process is overdue, issues of bank supervision andregulation affect the entire economy. There is no way to tell what is in sto refor banking regulation in the future. It is known, however, that we mustbeware that all the regulatory agencies in place now, are in place for areason. Careful thought and debate must be undertaken before any reform ismade. In the end, Americans seem no more inclined to tolerate concentrationamong regulators than they are among banks. BibliographyAnonymous. American Bank Regulation: Four Into One Can Go. TheEconomist 330 (March 5, 1994): 88-91. Cocheo, Steve. Declaration of Independence. ABA Banking Journal 87(February 1995): 43-48. Syron, Richard F. The Fed Must Continue to Supervise Banks. NewEngland Economic Review (January/February 1994): 3-8. Works ConsultedAnonymous. Banking Bill Spells Regulatory Relief. Savings CommunityBanker 3 (September 1994): 8-9. Broaddus, J. Alfred Jr. Choices in Banking Policy. Economic Quarterly(Federal Reserve Bank of Richmond) 80 (Spring 1994): 1-9. Reinicke, Wolfgang H. Consolidation of Federal Bank Regulation?Challenge 37 (May/June 1994): 23-29.

Massage Essays (1358 words) - Manual Therapy, Massage Therapy

Massage My discovery of massage therapy's healing powers resulted directly from trying to break a friend's ribs. I was taking my first kickboxing class, and Hugh, a two-year veteran of the sport, encouraged me to try my roundhouse kick on him a bit faster and harder. Who could pass up such an invitation? Crouched down, I swivelled my body and, with venom, kicked the punching bag he was holding. It felt good. Next I went for the kill, and connected so high and fast that I ripped my hip muscles. That was sixteen months ago, and while the muscle tears quickly healed, every time I worked out hard or got stressed out, my thigh and back muscles seized up. About eight months ago my chiropractor, concerned at how often my hip was being pulled out of alignment with my spine, suggested massage therapy for giving the muscles a much needed vacation. The healing effects of touch have been celebrated since they were first documented some 2,000 years ago in the ancient Chinese text The Yellow Emperor's Classic of Internal Medicine. Today massage therapy is one of the most popular forms of unconventional medicine in the United States and massage therapists are licensed in roughly half the states. Specific injuries aside, the greatest cause of muscle aches is everyday emotional stress. What we don't realize is that our tissues have a memory, says Thomas Claire, a trained shiatsu therapist and the author of the massage-therapy book, Bodywork. Our feelings get lodged in our muscles and tissues, and in turn, pain and discomfort result in disharmony in the body and the mind. This conflict can be seen in both the way muscle pain in one part of the body can aggravate surrounding areas and the effects physical imbalance can have on mind and spirit. Massage therapy aims to return the body to balance and promote health and relaxation. There are more than a hundred varieties of massage practiced in the United States, but they can be divided into roughly two main areas. The first is Western, or Swedish, massage, and it targets the body's muscle and tissue structure. The second, Eastern massage, of which shiatsu and reflexology are the best-known branches, focuses on leveling the body's natural energy.. The Swedish School is named for its nineteenth-century Swedish innovator, Per Heinrik Ling, who sought to relieve the pain he suffered from rheumatoid arthritis. Swedish, or traditional, massage works the muscles to promote relaxation through the release of endorphins and enkephalins. Endorphins and enkephalins are the body's natural painkillers, which are released during strenuous exercise and cause runner's high. The recipient lay naked on a padded table and a towel or a sheet covers the person. Only the part of the body being worked on is exposed. The practitioner uses a series of five basic strokes, administered by the fingers, hands, forearms and elbows, with the help of massage oils or creams. Muscles are freed up throughout the body, increasing blood flow and helping the body purge toxins and deliver nutrients to cells and tissues. Today many structural-massage therapists have customized the Swedish method with their own techniques. I visited a massage therapist named Arthur Tobias, who specializes in deep-tissue therapeutic massage. The session began with Tobias warming up my back and leg muscles with light hand massage through a towel. Then he focused on the major muscles in my back and shoulders with long, deep strokes of his forearm. The harder he worked my back muscles, the more I whimpered to myself in pain. I then melted into the table, as tension tingled out of my muscles. Aware of the discomfort in my hip, Tobias worked my lower back, butt and upper right leg, pinpointing the muscles that were contorted rock solid. After a one-hour session, my body felt completely relaxed and rubbery. Unlike Swedish massage, shiatsu focuses on not only the physical makeup of the muscles and tissues but also the body's energy system. Yes, energy system. As bizarre as that sounds to those of us firmly rooted in a Western way of thinking about the body, Asian medicine maintains that a life-force energy governs our health (chi in Chinese, ki in Japanese) that

Free Essays on Daisy Miller

Daisy Miller Daisy Miller starts out in a hotel in Vevey, Switzerland when a gentleman named Winterbourne meets Daisy, a young, beautiful American girl traveling through Europe. Daisy, her younger brother Randolph and her mother, Mrs. Miller, are traveling all over Europe while her father is home in Schenectady, New York. While Daisy is in Europe, she does not accept European ideas to be her own. Winterbourne, to the contrary, has been living in Europe since he left America when he was younger. Winterbourne takes a strong liking to Daisy even though his aunt, Mrs. Costello, does not approve of him even speaking to Daisy. Winterbourne claims that Daisy is an innocent person, but his aunt believes she is too common and not refined enough for him. Winterbourne and Daisy spend much time together, and even had a date at a close by castle named Chillon. Winterbourne then returns to Geneva where he is studying, but agrees to visit Daisy again that winter in Rome. When winter comes around Winterbourne goes to Rome to visit Daisy. While Winterbourne was away Daisy met a suitor named Mr. Giovanelli. Later, when a mutual friend named Mrs. Walker throws a party, Daisy arrives with Giovanelli. Mrs. Walker does not approve of Daisy being seen in public with all of these men and makes the decision to stop speaking to Daisy. Daisy is not happy about Mrs. Walker snubbing her, but still continues to be with Giovanelli. Daisy continues to be with Giovanelli even while Winterbourne is visiting. Winterbourne inquires as to whether or not Daisy is engaged to Giovanelli which she doesn't answer right away. One night, Winterbourne decides to stop by the colosseum on his way home from a party and he encounters Daisy and Giovanelli. He advises them to leave and he too becomes fed up with Daisy’s behavior. Shortly after, Daisy becomes ill with Roman Fever. When Winterbourne goes to visit Daisy in the hotel, Mrs. Miller gives him a message f... Free Essays on Daisy Miller Free Essays on Daisy Miller Daisy Miller Daisy Miller starts out in a hotel in Vevey, Switzerland when a gentleman named Winterbourne meets Daisy, a young, beautiful American girl traveling through Europe. Daisy, her younger brother Randolph and her mother, Mrs. Miller, are traveling all over Europe while her father is home in Schenectady, New York. While Daisy is in Europe, she does not accept European ideas to be her own. Winterbourne, to the contrary, has been living in Europe since he left America when he was younger. Winterbourne takes a strong liking to Daisy even though his aunt, Mrs. Costello, does not approve of him even speaking to Daisy. Winterbourne claims that Daisy is an innocent person, but his aunt believes she is too common and not refined enough for him. Winterbourne and Daisy spend much time together, and even had a date at a close by castle named Chillon. Winterbourne then returns to Geneva where he is studying, but agrees to visit Daisy again that winter in Rome. When winter comes around Winterbourne goes to Rome to visit Daisy. While Winterbourne was away Daisy met a suitor named Mr. Giovanelli. Later, when a mutual friend named Mrs. Walker throws a party, Daisy arrives with Giovanelli. Mrs. Walker does not approve of Daisy being seen in public with all of these men and makes the decision to stop speaking to Daisy. Daisy is not happy about Mrs. Walker snubbing her, but still continues to be with Giovanelli. Daisy continues to be with Giovanelli even while Winterbourne is visiting. Winterbourne inquires as to whether or not Daisy is engaged to Giovanelli which she doesn't answer right away. One night, Winterbourne decides to stop by the colosseum on his way home from a party and he encounters Daisy and Giovanelli. He advises them to leave and he too becomes fed up with Daisy’s behavior. Shortly after, Daisy becomes ill with Roman Fever. When Winterbourne goes to visit Daisy in the hotel, Mrs. Miller gives him a message f... Free Essays on Daisy Miller While In Switzerland Miss Miller meets a man named Winterbourne. Winterbourne, brought up by a socially elite group is continually warned by his aunt of his newly found friend. Mrs. Costello states, â€Å"They are very common†¦ They are the sorts of Americans that one does one’s duty by-not accepting† (p. 13). Mrs. Costello, Winterbournes aunt does not accept this flirtatious behavior of Miss Miller and actually refuses to meet her. Winterbourne’s views were quite different from his aunt due to his â€Å"old attachment from the little metropolis of Calvinism, he had been put to school there as a boy, and he had afterwards gone to college there-circumstances which had led to his forming a great many youthful friendships. Many of these he kept†(p.2). Winterbourne’s education and his liberal nature allowed him to continue his friendship with Miss Miller, a women of whom he was very attracted to. Although he was quite aware of the standards set in Europe in regard to young men. In Europe it is understood that young men are not at liberty to speak to unmarried women except under rare conditions. Winterbournes values were based on a larger societal perspective due to his continued education and travel. He understood the norms and customs of European’s and there countries and while he followed many of them his ability to see the big picture allowed him to pursue different friendships, his most recent being Miss Miller. While Winterbourne was able to look past the views of many of the citizens of Europe he could not convince his aunt to do the same. Like Mrs. Costello, the Europeans continued to hold their perceptions of Miss Miller and constantly judged her actions. Not realizing her status in Europe she was not invited to many of the events and parties in which the society held. Ultimately creating her own unfavorable perceptions of the countries in Europe. While speaking to Winterbourne she states, â€Å"The only thing that I don’t l...

Case Study Analysis - Facebook Faces Up Essay Example | Topics and Well Written Essays - 750 words

Case Study Analysis - Facebook Faces Up - Essay Example With 200 million users, Facebook has no other way but up as it will naturally grow in number over time and eventually affect our lives because of the impact it brings (Mezrich, 2009). With the vast number of applications available at Facebook, it is no wonder that it is the current number one networking site. It is an amalgamation of all the good things that the now generation is hoping to see and simultaneously utilize. It has photo sharing, video sharing and wall posting among other things. Connectivity has never been easier, in it there’s almost no need for any messaging software as you can easily see who among your friends are online and automatically chat with them. An inbox is also at the users’ disposal which functions pretty much like an email. Friends can also be tagged in personally posted photos where it will instantly be included in their photo list. Perhaps one of its groundbreaking applications that have gained tremendous popularity is the advent of social networking games within the site that are quite addicting. Pet Society, Mafia Wars, Farmville, Farmtown, RestaurantVille and YoVille are just some of these. Here, members can take part in interactive and Role Playing Games that mostly involves having interface with other members of your community. These applications are very helpful in how Facebook is viewed as a marketing goldmine and how this now billion-dollar business is continually growing by the second. The fact that it has grown as more than a niche for college students and recent college graduates post a problem for the website as it may turn to the alienation of its target market. This is a common problem as the company grows. And since it is a web-based social networking tool, the possibility of something to come forward and attract its market is tantamount. The current traffic can be attributed to 11.5 million 35 years old and above visitors and the 150, 000 daily new

Security Essay Example | Topics and Well Written Essays - 1500 words

Security - Essay Example These systems also force consumers to tackle new rights and responsibilities in order to use the data and re-evaluate principles of advent computers (Stahl 2011). 2 The Importance of Ethics in Information Systems Authority, source and control are the major resources of the information. In fact, the key to success is the right access towards the information. As a result, the social and political relationships are also involved in the development and growth of information systems (Hilton, Se-Hyung "David" Oh et al. 2006). It is more important and ethical that how this information is been utilized by the people. For instance, government levels, headquarters and homes include the electronic systems (Hilton, Se-Hyung "David" Oh et al. 2006). This involvement is increased so much that the people without access to these systems are exaggerated in a particular way. For this reason, new and modern techniques, innovative ethical and lawful decisions are needed in order to balance the requireme nts and privileges of every person (Stahl 2011). 3 Ethics Fill the Gap as Legal Decisions Lag Behind Technology The legal decision lags lies as in modern technological field behind technical development and growth. These gaps are filled through confronting on the issue and by discussing the facts on how to use the electronic information should be proceed (Baase 2008). ... These include standards of acceptable behavior and rules governing members of an occupation. Moreover, these extend to the Electronic Networks, Electronic Databases and significantly to a Geographic Information Systems. The problems that are present particularly in the three areas require a little different type of ethical decisions. In general, the Electronic Systems, Geographic Information Systems and Networks are being described individually in the later section of this study. 4.1 Electronic Networks 4.1.1 A Network Defined Starting from a fundamental definition of computer networks, a network is defined as a set of computers or workstations that are capable to communicate with one another. Likewise, in other words a group of similar objects connected together. Some of the networks are present within the institutions or organizations allowing people to communicate electronically within the organization. In fact, some of these small systems are inked or connected with the other org anization’s workstations. Thus, thousands of such networks connecting together collectively form an Internet. However, several issues related to the Internet may be applied to smaller network as, well as large network connections. 4.1.2 Network as Source of Power Initially, the Electronic Networks are recognized as a reliable means of connecting and communicating. Furthermore, it is also recognized as a mean for exchanging information efficiently but today it has become a much more than this. The new sources of power are represented by the large networks. The networks are now prepared in order to generate consistency and competency in communication, so that the movement of information could not rely on another person or could not be

Troubled Asset Relief Program Essay Example for Free

Troubled Asset Relief Program Essay When assessing the values of the proposed legislation, lawmakers knew that the bill was going to be very complex in that it is dealing with very difficult issues. The public was assured that much time and effort had gone into assessing these issues such as: â€Å"†¦fairness and equity, banking regulation, executive pay, job losses†¦moral hazard, 401(k) values, and the proper role of the state (Couch, Foster, Malone, Black, 2011). †After all things considered, it was realized that the motivation behind most cast votes was hardly as complicated as expected. In actuality, it was quite simple (Couch, Foster, Malone, Black, 2011). In November 2008, Secretary of the Treasury Henry Paulson indicated that stimulating the market for consumer credit would be a major priority in the second allocation. December 2008, President Bush used executive authority to declare that funds from the TARP program be spent any way Secretary of Treasury Henry Paulson deemed necessary to ease the financial burden. Mid January 2009, Paulson issued temporary rules for reporting and record keeping requirements under the executive compensation standards of the Capital Purchase Program. Paulson also announced a new set of guidelines disclosing conflicts of interest with TARP contracts. The Senate accepted the changes to TARP that regulated firms from paying out bonuses with TARP funding. Christopher Dodd of Connecticut proposed this amendment to the economic stimulus act. Fannie Mae and Freddie Mac was nationalized by the Federal Reserve and Treasury department, the world’s largest insurance company, AIG, was bailed out. This alone extended the insurance deposit to $3. 4 trillion dollars in money market funds for the government. Levinson, 2009) Then Paulson set out for the largest government save in history by buying out $700 billion dollars of contaminated securities from troubled banks. In Paulson’s original 3 page plan, Wall Street would have had uncontrolled access to public revenues at very little cost (Levinson, 2009). The original version was rejected by the House and then modified by the Senate (Levinson, 2009). Banks that were not in desperate need could make loans and supply liquidity was to get TARP funding. OneUnited Bank did not meet the requirement to receive the TARP funds. The bank was in trouble financially but was involved with two major legislators: Congressman Barney Frank from Massachusetts and Congresswoman Maxine Waters from California. These two served on the House Financial Service Committee as chairman and the third highest Democrat in seniority respectively. Waters husband at one point was a director at the bank. Waters had made investments with the bank and her husband had owned stock in the firm (Schmidt, 2009). Waters called the Treasury Department on behalf of OneUnited and the bank received $ 12 million in funds from TARP. This was made possible by a special provision written into the bailout. Wall Street Journal reporter Susan Schmidt explained, A provision designed to aid OneUnited was written into the federal bailout legislation by Mr. Frank, who is chairman of the financial services panel. Mr. Frank said he inserted the provision to help the only African-American owned bank in his home state (Schmidt 2009). The American financial system had changed over the last decade. Wall Street, an independent investment bank that relied on high leverage, is no more. Lehman Brothers Holdings Inc, what used to be the fourth largest investment bank in the United States has went bankrupt. On September 15, 2008 Lehman Brothers filed Chapter 11. This was caused by a massive exit of a large portion of its clients, major loss in stock, and depreciation of assets by credit rating agencies. Barclay agreed to purchase Lehman’s North American banking and trading divisions, along with the headquarters building in New York. All other Lehman Brothers franchise’s was bought out as well by Nomura Holdings (Levinson, 2009). An automobile task force was formed by President Obama that was chaired by Treasury Secretary Tim Geithner and Larry Summers. Members of this newly created task force included: Secretaries of Transportation, Commerce, Labor, Energy, the director of the Office of Management and Budget, the administrator of the EPA, the director of the White House Office of Energy and Climate Change and lastly the chair of the Council of Economic Advisors. Stephen Rattner was selected to head the team (Shepardson and Trowbridge, 2009). Chrysler and GM were instructed to submit plans of restructuring to the group for approval. Rattner recognized the complication of the task and also that his team was inexperienced in the automobile industry. He said, â€Å"We’ve learned a lot about how car dealers work, and how companies get paid when they sell a car to a dealer, and why there are a certain number of dealers more than are optimal† (qtd. in King and Stoll 2009). Obama seemed pleased with the progress the group he created was making. In a radio interview Obama criticized Bush and his actions but praised his own efforts. Obama made reference to not just writing GM and Chrysler a blank check but holding these companies accountable for the funds they received. The task force had rejected the initial plan that Chrysler had submitted but accepted its revised plan. Chrysler filed Chapter 11 and as a condition closed 789 of its dealerships. A list of dealers that was subject to closure was sent out to all dealerships with a messaging stating: â€Å"With regret, this letter is to inform you that on May 14, 2009, we are filing a motion in bankruptcy court rejecting the Sales and Service Agreement (s) between Chrysler Motors LLC and the dealerships listed above† (qtd. n Valdez-Dapena 2009). Company officials realized that the decision to close dealerships, in particular those with franchises, was difficult but needed. The vice chair said at the time it was the most difficult decision in business that he had ever made. The criteria used to determine which dealerships was to be closed was never made clea r. The process was suppose to be a function of the numbers, data driven matrix assessed with a number of key metrics is the terminology used by Steven Landry, executive vice president (Shepardson and Trowbridge 2009). Dealerships owned by McLarty-Landers-Johnson were not closed even though they did not meet Chrysler’s performance data. Robert Johnson, former owner of Black Entertainment Television, is one of the firms owners and a major contributor to the Democratic Party. Mack McLarty, a former aide to Bill Clinton, is another owner. After this was brought to the public eye, accusations were being made that dealerships owned by individuals with ties to the Republican Party was becoming targets and would be closed (Shepardson and Trowbridge 2009). The Treasury Department made statements that the federal government had not played a role in which dealerships were set for closure. Chrysler officials made claim that it became clear that there was no wisdom in closing twenty five percent of its dealers and that it really was not their decision. Officials made reference that they were under pressure from the Obama task force (Shepardson and Trowbridge 2009). It is well known that most everything surrenders to pressure or political pressure to be more specific. Bureaus and agencies are no exception. Examples of such surrender have been noticed in IRS audits and enforcement activity, the Federal Emergency Management Agency, the Environmental Protection Agency and by antitrust authorities. The noted influence of politics dates back to the Vietnam War (Couch, 2011). â€Å"Public-choice theory asserts that politicians are motivated by a desire for reelection and that this desire shapes which policies are pursued and how they are implemented (Couch, 2011). As a result of this desire to please voters, governmental policy goals are misguided. Their purpose is not to find a solution but instead to build a forum in which to base their next winning election. Other examples of political pressure include things such as Obama’s automobile task force, and governmental branches. â€Å"In short, politics trumps economics† (Couch, 2011). An investigation of the Chrysler dealership closing was done for the percentage of votes cast for Obama in each state. Electoral votes at state level and the number of congress persons in the House of Representatives for the dealerships district was used as additional measures for political influence (Couch, 2011). Also factored are the individual dealership characteristics, like profitability and level of customer service. If a dealership was located in a highly depressed area with high unemployment rates it would more than likely be closed (Couch, 2011). When all the facts had been put together it was evident that dealerships offering political support for Obama would remain open. This evidence was gathered at both state-level and dealership-lever. This would suggest that the Obama administration was more than just concerned with the long-term success of Chrysler, but was most concerned with protecting the Obama supporters from negative consequences (Couch, 2011). The US Treasury Department to buy preferred stock with funds from TARP within approved institutions earning a 5% dividend for the government. The plan was to stimulate the economy by making the right hand side of the balance sheet of the institution be matched with increased bank business loans. The institutions were being pressured by regulators to not increase or to reduce the liabilities of the assets. The economy in the United States has improved since the TARP was employed. The 2010 fourth quarter GDP had a 2. 8% growth (Gabby, 2011). The financial markets are signaling progress in the economy: â€Å"Between March 31, 2009 and March 31, 2011, the Dow Jones Industrial Average rose approximately 62% from 7,609 to 12,320 and for the four largest banks JP Morgan Chase, Bank of America, Wells Fargo, and Citigroup their March 31, 2011 vs. March 30, 2009 share prices were: $46. 10 vs. 24. 85 (+86%); $13. 33 vs. $6. 03 (+121%); $31. 71 vs. $13. 37 (+137%); and $4. 42 vs. $2. 31(+91%); respectively† (Gaby, 2011). The United States four largest banks had a combined total of $4. 8 trillion in assets as of March 31, 2009. If these four had failed the loss to tax payers would have been in excess of $2 trillion. TARP injected $239. 5 billion into roughly 35 financial institu tions and 23 of the institutions earned a 5% dividend. By the end of the October 2010 78% of the TARP funds had been repaid. If interest and dividends are included the percentage rises to 102% (Gabby, 2010). If the smallest of the four largest banks had failed there could have been theatrical to the US banking system and could have had global impacts as well. A modest benefit of the program was that CIT was able to continue lending to small firms during the bankruptcy filing and reorganization. The TARP provided brief support the US banking system and the global financial system. The modern administration has veered from the Constitution. The Emergency Economic Stabilization Act of 2008 created the Troubled Asset Relief Program. This was going to strip 200 pages of pork, tax preferences, and various oversights. Section 101 authorizes the Secretary of the Treasury to purchase troubled assets from any financial institution, on such terms and conditions as are determined by the Secretary† (Lawson, 2010). Troubled Asset Relief Program is a constitutional mess; many of the issues with it are common with the current administrative state. Congress did not have the power to enact the program. It violated the non-delegation doctrine. Both the President and Congress may have violated the Appointment Clause during the enactment of the program. Bush also exceeded his constitutional executive power when he implemented TARP (Lawson, 2010). The major issue with TARP is that there is no Troubled Assets clause in the Constitution. There are other clauses like the Bankruptcy Clause, Copyright Clause but not a clause authorizing the Congress to give power to the government to become a mortgage broker. Government buying mortgages and securities backed by mortgages in not a guideline of commerce with foreign countries (Lawson, 2010) The ability to spend in the Constitution comes from the Necessary and Proper Clause: appropriations of funds are laws necessary and proper for carrying into Execution other federal powers. But in the context of Troubled Asset Relief Program, one has to find some detailed power that is suitable to buy mortgages that can necessarily and properly carry into execution. The entire TARP venture was unconstitutional from the start (Lawson, 2010). We can look back on the financial situation and try to determine the central problem; global imbalances of savings or imports and exports, the Fed’s low rates, a housing bubble, subprime mortgages was not really the issue. In September 2008, the signature event of this financial crisis came to light. Short-term credit became frozen, inter-banking lending was froze as well as commercial paper markets. If panic had not occurred it is likely that economic contraction after the housing burst would have been no worse than a mild recession (Cochrane, 2009). The most current recession comes from the banking system not lending money and the normal way of doing business is almost extinct. The short-term credit crunch has ended. The recession now seems to be moving into recovery (Cochrane, 2009). Neil Barofsky, the special inspector general for TARP, told the Center for Public Integrity that his office conducted 142 ongoing criminal and civil investigations. Over the past 2 years the SIGTARP has recovered approximately $152 million in stolen assets. The agency has also saved another $555 million through prevention of fraud. The office investigated the potential of fraudulent use of TARP funds at 64 financial institutes, from small banks to large banks (Hallman, 2011). Barofsky’s most prominent investigation has led to civil securities fraud charges last year against Bank of America Corp. ormer chief executive officer Ken Lewis. The charges were for not disclosing major losses at Merrill Lynch to shareholders. The complaints allege that the bank and its officers hid losses at Merrill in order to complete the 2008 merger of the two institutions, and that the defendants also lied to the government to obtain tens of millions of dollars in TARP funds (Hallman, 2011). From a business manager’s view a program like TARP allows for a company to be ran as poorly as possible and still stay in business. Programs like TARP allow for companies to be irresponsible and very loose with their money. In some cases TARP would allow a company to file Chapter 11 but still continue to function on a daily basis. To a business manager this would benefit him under many circumstances and allow for big bonus money to be paid out to upper management even if the company is not as profitable as it once was. Bailouts like the TARP allows for bad business practices to continue and managers to continue allow it. References Couch, J. F. , Burton, P. A. , Malone, K. D. , amp; Black, D. L. (2011). Government behind the wheel more a Matter of politics than of economics.

Abouts On The Great Depression :: essays research papers

Abouts On The Great Depression To my amazement the Great Depression serves as a natural debating point that "justifies" or "refutes" various economic policies. The Great Depression and the New Deal are complex topics that are open to many interpretations. The Great Depression was the worst economic slump ever in U.S. history, and one which spread to virtually all of the industrialized world. Seeing the order in which events actually occurred dispels many myths about the Great Depression. One of the greatest of these myths is that government intervention was responsible for its onset. Truly massive intervention began only under the presidency of Franklin Roosevelt in 1933, who was sworn in after the worst had already hit. Although his New Deal did not cure it, all the leading economic indicators improved during his tenure. To understand the Great Depression, it is important to know the theories of John Maynard Keynes. Keynes is known as the "father of modern economics" because he was the first to accurately describe some of the causes and cures for recessions and depressions. In a normal economy, Keynes said, there is a circular flow of money. My spending becomes part of your earnings, and your spending becomes part of my earnings. For various reasons, however, this circular flow can falter. People start hoarding money when times become tough; but times become tougher when everyone starts hoarding money. This breakdown results in a recession. To get the circular flow of money started again, Keynes suggested that the central bank, the Federal Reserve System, should expand the money supply. This would put more money in people's hands (through the multiplier effect), inspire consumer confidence, and compel them to start spending again. A depression, Keynes believed, is an especially severe recession in which people hoard money no matter how much the central bank tries to expand the money supply. In that case, he suggested that government should do what the people were not: start spending money. He called this "priming the pump" of the economy. I think that most economists believe that only massive U.S. defense spending in preparation for World War II cured the Great Depression. After the success of Keyne's economic beliefs were proven, almost all free governments around the world became Keynesian. These policies have dramatically reduced the severity of recessions since then, and appear to have completely eliminated the depression from those who follow such economic beliefs throughout the world. Events of the 1920s The Roaring Twenties were an era dominated by Republican presidents: Warren Harding (1920-1923), Calvin Coolidge (1923-1929) and Herbert Hoover (1929-1933). Under their conservative economic philosophy of laissez-faire

The Return: Midnight Chapter 34

â€Å"You've been fed and taken care of as best as we can manage,†Meredith said, looking at allthe taut, frightened young faces turned toward her in the basement. â€Å"And now there's just one thing I want to ask of you in return.†She made an effort and steadied her voice. â€Å"I want to know if anybody knows of a mobile phone that connects to the Internet, or a computer that is Stillworking. Please, please – if you even think you know where one might be, tel me.† The tension was like a thick rubber cord, dragging Meredith toward each of the pale, strained faces, dragging them to her. It was just as well that Meredith was essential y well – balanced. About twelve hands went up immediately, and their lone five-year-old whispered, â€Å"My mommy has one. And my daddy.† There was a pause before Meredith could say, â€Å"Does anybody know this kid?†and an older girl spoke up before she could. â€Å"She just means they had them before the Burning Man.† â€Å"Is the Burning Man cal ed Shinichi?†Meredith asked. â€Å"‘Course. Sometimes he would make the red parts of his hair burn up way over his head.† Meredith filed that little fact away under Things I do not want to see, honest, cross my heart, ever. Then she shook herself free from the image. â€Å"You guys and girls, please, please think. I only need one, one mobile phone with Internet access that Stillhas power right now. One laptop or computer that is Stillworking now, maybe because of a generator Stillmaking electricity. Just one family with a home generator Stillworking. Anybody?† The hands were down now. A boy she thought she recognized as being one of the Loring siblings, maybe age ten or eleven, said, â€Å"The Burning Man told us that mobile phones and computers were bad. That was why my brother got in a fistfight with my dad. He threw al the mobiles at home in the toilet.† â€Å"Okay. Okay, thanks. But anybody who's seen a working mobile or computer? Or a home generator – â€Å" â€Å"Why, yes, my dear, I've got one.†The voice came from the top of the stairs. Mrs. Flowers was standing there, dressed in a fresh sweat suit. Strangely, she had her voluminous purse in her hand. â€Å"You had – have a generator?†Meredith asked, her heart sinking. What a waste! And if disaster came al because she, Meredith, hadn't finished reading over her own research! The minutes were ticking away, and if everyone in Fel ‘s Church died, it would be her fault. Her fault. She didn't think she could live with that. Meredith had tried, al her life, to reach the state of calm, concentration, and balance that was the other side of the coin from the fighting skil s her various disciplines had taught her. And she had become good at it, a good observer, a good daughter, even a good student for al that she was in Elena's fast-paced, high-flying clique. The four of them: Elena, Meredith, Caroline, and Bonnie had fit together like four pieces of a puzzle, and Meredith Stillsometimes missed the old days and their daring, dominating pseudo-sophisticated capers that never real y hurt anyone – except the sil y boys who had mil ed around them like ants at a picnic. But now, looking at herself, she was puzzled. Who was she? A Hispanic girl named for her mother's Welsh best friend in col ege. A hunter-slayer of vampires who had kitten canines, a vampire twin, and whose group of friends included Stefan, a vampire; Elena, an ex-vampire – and possibly another vampire, although she was extremely hesitant to cal Damon a â€Å"friend.† What did that alladd up to? A girl trying to do her best to keep her balance and concentration, in a world that had gone insane. A girl Stillreeling from what she'd learned about her own family, and now tottering from the need to confirm a dreadful suspicion. Stop thinking. Stop! You have to tel Mrs. Flowers that her boardinghouse has been destroyed. â€Å"Mrs. Flowers – about the boardinghouse – I have to talk to you†¦Ã¢â‚¬  â€Å"Why don't you use my BlackBerry first?†Mrs. Flowers came down the basement stairs careful y, watching her feet, and then the children parted before her like waves on the Red Sea. â€Å"Your†¦?†Meredith stared, choked up. Mrs. Flowers had opened her enormous purse and was now proffering a rather thick al -black object to her. â€Å"It Stillhas power,†the old lady explained as Meredith took the thing in two shaking hands, as if receiving a holy object. â€Å"I just turned it on and it was working. And now I'm on the Internet!† – proudly. Meredith's world had been swal owed up by the smal , grayish, antiquated screen. She was so amazed and excited at seeing this that she almost forgot why she needed it. But her body knew. Her fingers clutched; her thumbs danced over the mini-keyboard. She went to her favorite search page and entered the word â€Å"Orime.†She got pages of hits – most in Japanese. Then feeling a trembling in her knees, she typed in â€Å"Inari.† 6,530,298 results. She went to the very first hit and saw a web page with a definition. Key words seemed to rush out at her like vultures. Inari is the Japanese Shinto deity of rice†¦and†¦foxes. At the entrance to an Inari shrine are†¦statues of two kitsune†¦one male and one female†¦each with a key or jewel carried in mouth or paw†¦These fox-spirits are the servants and messengers of Inari. They carry out Inari's orders†¦. There was also a picture of a pair of kitsune statues, in their fox forms. Each had a front paw resting on a star bal . Three years ago, Meredith had fractured her leg when she was on a skiing trip with her cousins in the Blue Ridge Mountains. She had run straight into a smal tree. No martial arts skil s could save her at the last minute; she knew she was skiing off the groomed areas, where she could run into anything: powder, crud, or iced-over ruts. And, of course, trees. Lots of trees. She was an advanced skier, but she had been going too fast, looking in the wrong direction, and the next thing she knew, she was skiing into the tree instead of around it. Now she had the same sensation of waking up after a head-on into wood. The shock, the dizziness and nausea that were, initial y, worse than the pain. Meredith could take pain. But the pounding in her head, the sickening awareness that she had made a big mistake and that she was going to have to pay for it were unbearable. Plus there was a curious horror about the knowledge that her own legs wouldn't hold her up. Even the same useless questions ran through her subconscious, like: How could I be so stupid? Is this possibly a dream? and, Please, God, can I hit the Undo button? Meredith suddenly realized that she was being supported on either side by Mrs. Flowers and their sixteen-year-old, Ava Wakefield. The mobile was on the cement floor of the basement. She must have actual y started to black out. Several of the younger kids were screaming Matt's name. â€Å"No – I – I can stand up alone†¦Ã¢â‚¬ Al she wanted in the world was to go into the darkness and get away from this horror. She wanted to let her legs go slack and her mind go blank, to flee†¦ But she couldn't run away. She had taken the stave; she had taken the Duty from her grandfather. Anything supernatural that was out to harm Fel ‘s Church on her watch was her problem. And the problem was that her watch never ended. Matt came clattering down the stairs, carrying their seven-year-old, Hailey, who continual y shook with petit mal seizures. â€Å"Meredith!†She could hear the incredulity in his voice. â€Å"What is it? What did you find, for God's sake?† â€Å"Come†¦look.†Meredith was remembering detail after detail that should have set off warning bel s in her mind. Matt was somehow already beside her, even as she remembered Bonnie's very first description of Isobel Saitou. â€Å"The quiet type. Hard to get to know. Shy. And†¦nice.† And that first visit to the Saitou house. The horror that quiet, shy, nice Isobel Saitou had become: the Goddess of Piercing, blood and pus oozing from every hole. And when they had tried to carry dinner to her old, old grandmother, Meredith had noticed absently that Isobel's room was right under the dol -like old lady's. After seeing Isobel pierced and clearly unbalanced, Meredith had assumed that any evil influence must be trying to travel up, and had worried in the back of her mind about the poor, old, dol -sized grandmother. But the evil could just as easily have traveled down. Maybe Jim Bryce hadn't given Isobel the malach madness after al . Maybe she had given it to him, and he had given it to Caroline and to his sister. And that children's game! The cruel, cruel song that Obaasan – that Inari-Obaasan had crooned. â€Å"Fox and turtle had a race†¦Ã¢â‚¬  And her words: â€Å"There's a kitsune involved in this somewhere.† She'd been laughing at them, amusing herself! Come to that, it was from Inari-Obaasan that Meredith had first heard the word â€Å"kitsune.† And one more additional cruelty, that Meredith had only been able to excuse before by assuming Obaasan had very poor sight. That night, Meredith had had her back to the door and so had Bonnie – they had both been concentrating on â€Å"poor decrepit old Grandma.†But Obaasan had been facing the door, and she was the only one who could have seen – must have seen – Isobel sneaking up behind Bonnie. And then, just as the cruel game song told Bonnie to look behind her†¦ Isobel had been crouching there, ready to lick Bonnie's forehead with a forked pink tongue†¦ â€Å"Why?†Meredith could hear her own voice saying. â€Å"Why was I so stupid? How could I not have seen from the beginning?† Matt had retrieved the BlackBerry and read the web page. Then he just stood, fixed, his blue eyes wide. â€Å"You were right,†he said, after a long moment. â€Å"I want so much to be wrong†¦Ã¢â‚¬  â€Å"Meredith – Shinichi and Misao are Inari's servants†¦If that old lady is Inari we've been running around like crazy after the wrong people, the hired muscle†¦Ã¢â‚¬  â€Å"The damn note cards,†Meredith choked out. â€Å"The ones done by Obaasan. They're useless, flawed. Al those bul ets she blessed should have been no good – but maybe she did bless them – as a game. Isobel even came to me and changed al the characters the old lady had done for the jars to hold Shinichi and Misao. She said that Obaasan was almost blind. She left a tear on my car seat. I couldn't understand why she should be crying.† â€Å"I Stillcan't. She's the granddaughter – probably the third generation of a monster!†Matt exploded. â€Å"Why should she cry? And why do the Post-it Notes work?† â€Å"Because they're done by Isobel's mother,†Mrs. Flowers said quietly. â€Å"Dear Matt, I truly doubt that the old woman is related to the Saitous at all. As a deity – or even a powerful magic-user named after a deity – and undoubtedly a kitsune herself, she surely just moved in with them and used them. Isobel's mother and Isobel had no choice but to carry on the charade for fear of what she'd do to them if they didn't.† â€Å"But Mrs. Flowers, when Tyrone and I pul ed that leg bone out of the thicket, didn't you say that the Saitou women made such excel ent amulets? And didn't you say that we could get the Saitou women to help translate the words on the clay jars when Alaric sent the pictures of them from that Japanese Island?† As for my belief in the Saitou women, Well, I'l have to quibble a little here,†Mrs. Flowers said. â€Å"I couldn't know that this Obaasan was evil, and there are Stilltwo of them who are gentle and good, and who have helped us tremendously – and at great risk to themselves.† Meredith could taste the bitterness of bile in her mouth. â€Å"Isobel could have saved us. She could have said ‘My fake grandmother is real y a demon.'† â€Å"Oh, my dear Meredith, the young are so unforgiving. This Inari was probably instal ed in her house when she was a child. Al she knows at first is that the old woman is a tyrant, with a god's name. Then perhaps some demonstration of power – what happened to Orime's husband, I wonder, to make him go back to Japan – if indeed he went there? He may well be dead. And then Isobel is growing up: shy, quiet, introverted – frightened. This is not Japan; there are no other priestesses here to confide in. And you saw the consequences when Isobel reached out to someone outside of the family – to her boyfriend, Jim Bryce.† â€Å"And to us – Well, to you and Bonnie,†Matt said to Meredith. â€Å"She sicced Caroline on you.† Scarcely knowing what they were doing, they were talking faster and faster. â€Å"We have to go there right now,†said Meredith. â€Å"Shinichi and Misao may be the ones bringing on the Last Midnight, but it's Inari who gives the orders. And who knows? She may dole out the punishments as well. We don't know how big her star bal is.† â€Å"Or where,†said the old woman. â€Å"Mrs. Flowers,†Matt said hastily, â€Å"you'd better stay here with the kids. Ava, here, is reliable, and where's Jacob Lagherty?† â€Å"Here,†said a boy who looked older than fifteen. He was as tal as Matt was, but gangly. â€Å"Okay. Ava, Jake, you're in charge under Mrs. Flowers. We'l leave Saber with you too.†The dog was a big hit among the kids, on his best behavior, even when the younger ones chewed his tail. â€Å"You two just listen to Mrs. Flowers, and – â€Å" â€Å"Matt, dear, I won't be here. But the animals wil surely help to protect them.† Matt stared at her. Meredith knew what he was thinking. Was Mrs. Flowers, so reliable up until now, going somewhere to hide alone? Was she abandoning them? â€Å"And I'l need one of you to drive me to the Saitou house – quickly! – but the other can stay and protect the children as well.† Meredith was both relieved and worried, and clearly Matt was too. â€Å"Mrs. Flowers, this is going to be a battle. You could get hurt or be taken hostage so easily – â€Å" â€Å"Dear Matt, this is my battle. My family has lived in Fel ‘s Church for generations, al the way back to the pioneering times. I believe this is the battle for which I was born. Certainly the last of my old age.† Meredith stared. In the dim light of the basement, Mrs. Flowers seemed suddenly different somehow. Her voice was changing. Even her smal body seemed to be changing, steadying, standing tal . â€Å"But how wil you fight?†Matt asked, sounding dazed. â€Å"With this. That nice young man, Sage, left it for me with a note apologizing for using Misao's star bal . I used to be quite good with these when I was young.†From her capacious purse, Mrs. Flowers pul ed out something pale and long and thin as it unwound and Mrs. Flowers whirled it and snapped it with a loud crack at the empty half of the basement. It hit a Ping-Pong bal , curled around it, and brought it back to Mrs. Flowers's open hand. A bul whip. Made of some silvery material. Undoubtedly magical. Even Matt looked scared of it. â€Å"Why don't Ava and Jake teach the children to play Ping-Pong while we're gone – and we real y must go, my dears. There's not a minute to waste. A terrible tragedy is coming, Ma ma says.† Meredith had been watching – feeling as dazed as Matt looked. But now she said, â€Å"I have a weapon too.†She picked up the stave and said, â€Å"I'm fighting, Matt. Ava, the children are yours to care for.† â€Å"And mine,†Jacob said, and immediately proved his usefulness by adding, â€Å"Isn't that an axe hanging back there near the furnace?† Matt ran and snatched it up. Meredith could see from his expression what he was thinking: Yes! One heavy axe, a tiny bit rusty, but Stillplenty sharp enough. Now if the kitsune sent plants or wood against them, he was armed. Mrs. Flowers was already going up the basement stairs. Meredith and Matt exchanged one quick glance and then they were running to catch up with her. â€Å"You drive your mom's SUV. I'l sit in back. I'm Stilla little bit†¦Well, dizzy, I guess.†Meredith didn't like to admit to a personal weakness, but better that than crashing the vehicle. Matt nodded and was good enough not to comment on why she felt so dizzy. She Stillcouldn't believe her own stupidity. Mrs. Flowers said only one thing. â€Å"Matt, dear, break traffic laws.†

Hassium Facts - Hs or Element 108

Element atomic number 108 is hassium, which has the element symbol Hs. Hassium is one of the manmade or synthetic radioactive elements. Only about 100 atoms of this element have been produced so there is not a lot of experimental data for it. Properties are predicted based on the behavior of other elements in the same element group. Hassium is expected to be a metallic silver or gray metal at room temperature, much like the element osmium. All of the isotopes of hassium are radioactive. Martin Diebel / Getty Images Here are interesting facts about this rare metal: Discovery:  Peter Armbruster, Gottfried Munzenber and co-workers produced hassium at GSI in Darmstadt, Germany in 1984. The GSI team bombarded a lead-208 target with iron-58 nuclei. However, Russian scientists had attempted to synthesize hassium in 1978 at the Joint Institute for Nuclear Research in Dubna. Their initial data was inconclusive, so they repeated the experiments five years later, producing Hs-270, Hs-264, and Hs-263. Element Name:  Before its official discovery, hassium was referred to as element 108, eka-osmium or unniloctium. Hassium was the subject of a naming controversy over which team should be given official credit for discovering element 108. The 1992 IUPAC/IUPAP Transfermium Working Group (TWG) recognized the GSI team, stating that their work was more detailed. Peter Armbruster and his colleagues proposed the name hassium from the Latin  Hassias  meaning Hess or Hesse, the German state, where this element was first produced. In 1994, an IUPAC committee recommended making the elements name hahnium (Hn) in honor of the German physicist Otto Hahn. This was despite the convention of allowing the discovering team the right to suggest a name. The German discoverers and the American Chemical Society (ACS) protested the name change and the IUPAC finally allowed element 108 to be officially named hassium (Hs) in 1997. Atomic Number:  108 Symbol:  Hs Atomic Weight:  [269] Group: Group 8, d-block element, transition metal Electron Configuration:  [Rn] 7s2  5f14  6d6 Appearance:  Hassium is believed to be a dense solid metal at room temperature and pressure. If enough of the element were produced, it is expected it would have a shiny, metallic appearance. Its possible hassium could be even more dense than the heaviest known element, osmium. The predicted density of hassium is  41  g/cm3. Properties: Its likely hassium reacts with oxygen in air to form a volatile tetraoxide. Following periodic law, hassium should be the heaviest element in group 8 of the periodic table. It is predicted that hassium has a high melting point, crystallizes in the hexagonal close-packed structure (hcp), and has a bulk modulus (resistance to compression) on par with diamond (442 GPa). Differences between hassium and its homologue osmium would likely be due to relativistic effects. Sources:  Hassium was first synthesized by bombarding lead-208 with iron-58 nuclei. Only 3 atoms of hassium were produced at this time. In 1968, Russian scientist Victor Cherdyntsev claimed to have discovered naturally-occurring hassium in a sample of  molybdenite, but this was not verified. To date, hassium has not been found in nature. The short half-lives of the known isotopes of hassium mean no primordial hassium could have survived to the present day. However, its still possible nuclear isomers or isotopes with longer half-lives might be found in trace quantities. Element Classification:  Hassium is a transition metal that  is expected to have properties similar to those of the platinum group of transition metals. Like the other elements in this group, hassium is expected to have oxidation states of 8, 6, 5, 4, 3, 2. The 8, 6, 4, and 2 states will likely be the most stable, based on the elements electron configuration. Isotopes:  12 isotopes of hassium are known, from masses  263 to 277. All of them are radioactive. The most stable isotope is  Hs-269, which has a half-life of 9.7 seconds. Hs-270 is of particular interest because it possesses magic number of nuclear stability. The atomic number 108 is a proton magic number for deformed (nonspherical) nuclei, while 162 is a neutron magic number for deformed nuclei. This doubly magic nucleus has a low decay energy compared with other hassium isotopes. More research is needed to determine whether or not Hs-270 is an isotope in the proposed island of stability. Health Effects:  While the platinum group metals tend not to be particularly toxic, hassium presents a health risk because of its significant radioactivity. Uses:  At present, hassium is only used for research. Sources Emsley, John (2011). Natures Building Blocks: An A-Z Guide to the Elements (New ed.). New York, NY: Oxford University Press. p. 215–7. ISBN 978-0-19-960563-7.Hoffman, Darleane C.; Lee, Diana M.; Pershina, Valeria (2006). Transactinides and the future elements. In Morss; Edelstein, Norman M.; Fuger, Jean. The Chemistry of the Actinide and Transactinide Elements (3rd ed.). Dordrecht, The Netherlands: Springer ScienceBusiness Media. ISBN 1-4020-3555-1.Names and symbols of transfermium elements (IUPAC Recommendations 1994).  Pure and Applied Chemistry  66  (12): 2419. 1994.Mà ¼nzenberg, G.; Armbruster, P.; Folger, H.; et al. (1984). The identification of element 108 (PDF). Zeitschrift fà ¼r Physik A. 317 (2): 235–236. doi:10.1007/BF01421260Oganessian, Yu. Ts.; Ter-Akopian, G. M.; Pleve, A. A.; et al. (1978). ОÐ ¿Ã'‹Ã'‚Ã'‹ Ð ¿Ã ¾ Ã' Ã ¸Ã ½Ã'‚Ð µÃ ·Ã'Æ' 108 Ã' Ã »Ã µÃ ¼Ã µÃ ½Ã'‚Ð ° Ð ² Ã'€Ð µÃ °Ã ºÃ'†Ð ¸Ã ¸ [Experiments on the sy nthesis of element 108 in the 226Ra48Ca reaction] (in Russian). Joint Institute for Nuclear Research.