Contemporary Issue on Chit Funds -“The Invincible”

A contemporary issue report on CHIT FUNDS â€Å"THE INVICIBLE† 2013-2014 Made by : Fakhruddin Badshah PREFACE This record portrays the importance, presentation, overview,its working,online chit reserves, I illuminated most recent news about this division and furthermore attempted to cover the most recent upsteram and downsteam parts of this segment (chit subsidize organizations). My point of composing on this issue is who will going to stop the fraudulant exercises being finished by this organizations. I picked this segemnt for my contemporay in light of the fact that this is going exceptionally regular among the individuals in today’s time.So I thought lets part with the detail of this portion to the individuals. With the assistance of this report individuals will come to recognize what precisely going on in this area. This area is growing quickly like anything. This improvements has become an impetus for the development of vigourous chit subsidize organizations in all over India. So what arrangements ought to be made to check the supposed bogus practices done by these organizations or fragment. Along these lines it is the to think and follow up on it to ensure the enthusiasm of little financial specialists and their well deserved livelihoods. File Introduction| 5-7| Overview of chit fund| 8|How chit finance works| 9-11| 2012-2013 Highlighted News about chit-fund| 12-13| Who will stop chit reserves? | 14-18| Report of MCA| 18-21| Benefits| 21-22| Drawbacks| 23| Safety from Chit funds| 24| CHIT FUNDS †â€Å"The Invincible† Introduction: A chit support is a sort of reserve funds plot rehearsed in India, other than different types of investment funds conspire offered by different open and private segment banks, post workplaces, protection partnerships and so on. Chit Funds are indigenous money related establishments in India that take into account the monetary needs of the low-pay families, which have been prohibited from the formal budg etary framework. Chit†, in the lawful domain, implies an exchange whether called chit, chit support, chitty, kuri or by some other name by or under which an individual goes into a concurrence with a predetermined number of people that all of them will buy in a specific whole of cash (or a specific amount of grain rather on account of towns) by method of periodical portions over a clear period and that each such endorser will, in his turn, as dictated by parcel or by closeout or by delicate or in such other way as might be indicated in the chit understanding, be qualified for the prize amount.In basic words, A chit subsidize is an investment funds obtaining plan, in which a gathering of individuals go into a consent to contribute fixed sums intermittently, for a predefined timeframe. The sum so gathered (or the chit esteem) is dispersed among every one of the people reciprocally, which is dictated by method of parcels or a closeout. Chit reserves give a chance to spare overabun dance money on a day by day, week after week or month to month premise, and give a simple access to it if there should arise an occurrence of crisis. Chit reserves are what might be compared to the Rotating Savings and Credit Associations (ROSCA) that are celebrated all through the world.ROSCAs are a way to â€Å"save and borrow† at the same time. It is viewed as perhaps the best instrument to take into account the necessities of poor people. It empowers needy individuals to change over their little investment funds into single amounts. The idea of chit supports started over 1000 years back. At first it was as a casual relationship of dealers and family units inside networks, wherein the individuals contributed some cash as a byproduct of an amassed aggregate toward the finish of the residency. Interest in Chit reserves was predominantly to buy some property or, as it were, for â€Å"consumption† purposes.However, lately, there have been huge changes in the constitutio n and working of Chit reserves. While in many spots ROSCAs are client possessed and sorted out casually, in India, chit reserves have been officially regulated also. Lawfully perceived firms give an assortment of chit plans. A Chit Fund can either be legitimately enrolled or unregistered. Enlisted Chit Funds, as the name recommends are being managed under the different Chit Fund acts. While unregistered Chit Funds are disorderly and for the most part run by the dear companions, family members or relatives of the investor.Unregistered Chit Funds which surpass 100 ($2) in esteem are unlawful in India, in spite of the fact that it is very notable that unregistered Chit Fund industry is famous in India, principally in the rustic and semi-urban zone, where individuals have next to no entrance to the financial administrations and where budgetary absence of education is more. The guideline of the Chit Fund industry was set up by the Government of India to address the issue of abuse of casu al Chit Funds by corrupt advertisers and originators fleeing with the participant’s reserves, leaving the individuals with little plan of action to recover their cash back.Chit assets in India are administered by different state or focal laws. Sorted out chit support plans are required to enroll with the Registrar or Firms, Societies and Chits. Different Chit Fund Acts administering the business in India are as under: * Union Government †Chit Funds Act 1982 (Except the State of Jammu and Kashmir) * Kerala †Kerala Chitties Act 1975 * Tamil Nadu †Tamil Nadu Chit Funds Act, 1961 * Karnataka: The Chit Funds (Karnataka) Rules, 1983 * Andhra Pradesh †The Andhra Pradesh Chit Funds Act, 1971 * New Delhi-The Chit Funds Act,1982 and Delhi Chit Funds Rules, 2007 * Maharashtra †Maharashtra Chit Fund Act 1975 Uttar Pradesh: Uttar Pradesh Chit Funds Act, 1975 * Goa, Daman and Diu: The Goa, Daman and Diu Chit Funds Act, 1973 * Pudducherry/Pondicherry: The Pondicherr y Chit Funds Act, 1966. An outline of chit reserves: The financial advancement of a nation relies on the accessibility of assets. The fundamental exercises that add to the development are creation and business. Creation relies on the contributions of the variables, for example, account, crude materials, work and so forth. The most significant here bring account, which is the boss assembled of the considerable number of components of production.In a cash economy, fund for improvement at first originates from private reserve funds. These private reserve funds provide for the auxiliary stores; this is the place the budgetary establishments come into picture. Monetary establishments involve a focal spot in activating investment funds from the individuals and make it accessible to the exchange, business and ventures either as a capital or advances. The non banking segment contains cash loan specialists, indigenous investors, pawn dealers, nidhis, â€Å"chit funds† etc.The source o f chit assets can be followed path back to the seventeenth century when the financial wizards of province of Malabar (presently known as the territory of Kerala) began this movement. Those were the individuals who really established this money related foundation. It turned out to be so mainstream and various that individuals began embracing this movement as a calling by the eighteenth century everywhere. As the chit business developed the quantity of individuals engaged with this industry additionally developed. This offered ascend to numerous misguided judgments, cheats, botch and so on , in this industry.To forestall this State Government of Travancore took the primary activity and presented the main Chit Fund Regulation being the Chit Fund Act 1914. One significant guideline presented by this demonstration was that of a commission payable to the foreman. The Act achieved a roof limit on the commission payable to the foreman that is 5% most extreme which is as yet the equivalent e ven to this date. How chit finances functions: Chit subsidizes which are famous from an exceptionally prolonged stretch of time yet at the same time a few people don’t know how precisely this chit support functions and put away their cash illogically.This can be comprehended by the accompanying methodology: Let’s state there are 20 individuals who meet up and structure a gathering. Every one will contribute Rs 1,000 every month and this will proceed for next 20 months (equivalent to number of individuals in the gathering). In this gathering there will be one coordinator, who will take the torment of fixing the gatherings, gathering cash from one another and afterward doing different methodology. So every month all these 20 individuals will meet on a specific day and store Rs 1,000 each. That will make a sum of Rs 20,000 each month.Now there will be an offered on who will take this cash. Normally there will be not many individuals who are needing enormous sum in light o f some explanation like some large costs, liquidity crunch, business issue, Beti ki Shaadi and so on and so on Out of the considerable number of individuals who are needing cash, somebody will offer the most reduced sum, contingent upon how edgy he is for this cash. The individual who offers for the most minimal sum wins the offer. Assume out of all out 3 individuals who offer for 18,000, 17,000 and Rs 16,000, the person who offers the least will win.In this case it’s the individual who has offered Rs 16,000. There will likewise be â€Å"organizer charges† which are around 5% (standard) of the aggregate sum, so for this situation its 5% of Rs 20,000, which is Rs 1,000. So out of the complete 16,000 which this victor would get, Rs 1,000 will be deducted and the champ will get just Rs 15,000, Rs 1,000 will be coordinator charges and Rs 4,000 is the benefit, which will be shared by every single part (each of the 20 individuals), it comes out to be Rs 200 for each individu al, and it will be offered back to every one of the 20 members.So here you can see that the primary victor assumed a major misfortune on account of his urgent need of getting the cash and others profited by it. So every individual really paid only 800, not 1,000 for this situation (they got 200 back). Note that when an individual takes the cash subsequent to offering, he can’t offer from next time, just 19 individuals will be qualified for offering. Presently one month from now something very similar occurs and assume the best offer was Rs 18,000 , then victor will get 17,000 (in the wake of deducting the coordinator expenses) and the rest 2,000 will be partitioned back to individuals (Rs 100 each) . So every individual is paying successfully Rs 900.This way every month all the individuals contribute the cash, somebody takes the cash by offering l

The Role of Mainstream Media Limited in Contemporary Globalized Essay

The Role of Mainstream Media Limited in Contemporary Globalized Society - Essay Example The force today arrives in the hands of individuals who have become both the designers and focal point of media, and are reclassifying globalization. The key inquiry that this exposition, investigations and addresses, is whether the job of prevailing press, considering that has been constraining in today’s globalized world and how the force move towards internet based life is influencing predominant press. Presentation Of the three elements of globalization: political, practical and social, social globalization has been the essence of globalization. It is mostly a result of worries with financial and political types of globalization (Robertson and White) and incompletely due to the dynamic job that media has played in it. The discourse of Boris Yelsen on the fall of Soviet Union, communicated by CNN satellite has been recognized as the definitive snapshot of appearance of globalization (Beck). From that point forward, Media has assumed a significant job in characterizing, form ing and intensifying globalization. Marx and Engels pondered that print media, known as the Fourth Estate, would be a significant piece in the foundation of a popularity based open body that catalyzes social change (Kellner and Pierce). The ascent of worldwide media with digital TV, news systems and privatization of media further united the world. Various systems got worldwide in their effort like CNN, MTV, HBO, ESPN, TNT, Nickelodeon, the Cartoon Network, Discovery, Disney, and a considerable lot of these stations were deciphered and received according to nearby dialects and societies. A few researchers, in any case, have scrutinized this impact, as social colonialism as Western culture has been prevailing in private media systems (Jan)(Thussu). Mechanical advancesand socia media The correspondence biological system of the modern globalized society has been customarily based on standard broad communications, chiefly TV, radio and the print press. These advances have embraced the ma ss spread of a single direction correspondence from one-to-many. Since the late 90s, the broad spread and dissemination of the Internet, versatile advances, computerized media and a decent variety of social mechanical apparatuses all through the globe has transmuted the one-to-numerous correspondence arrange into intelligent level linkages that connect the nearby with the worldwide. New types of web-based social networking (online media devices that empower individuals to discuss effectively with web to known individuals or a more extensive crowd, for example, instant messages, tweets, sites, correspondence gatherings, long range interpersonal communication destinations, digital broadcasts and wikis, tailor the progression of messages from many-to-many. This medium has given elective intends to resident correspondence, participatory news-casting and globalization. Force worldview inside standard and online life Power has assumed a significant job for prevailing press to make an effe ct on the general public. In his book, Why study the Media?, writer Roger Silverstone states that media holds the ability to impact and change the political processes(Silverstone). It is about the compass, portrayal †introducing, uncovering and clarifying, that gave predominant press an ordering command over how things are seen in various kinds of the world. Essentially, (Volkmer) in his book, News in the Global Sphere: An investigation of CNN and its Impact on Global Communication, affirms that worldwide political interchanges, for example, that of CNN International have been a dominative power in making a worldwide open circle and in this manner a worldwide common society. In any case,

Whats the SAT Out Of

What's the SAT Out Of SAT/ACT Prep Online Guides and Tips Consistently almost 2 million understudies take the SAT, however what's it out of? I'll respond to this inquiry and more in this article. Scoring for the SAT The SAT isout of 1600 points.There aretwo areas Math and Evidence-Based Reading and Writing (Reading and Writing are two tests, however together make up one segment). Each segment isscored from 200 to 800, so the general scores go from 400 to 1600. Note that from 2005-2016 the SAT was scored out of 2400 (there were discrete Reading and Writing areas with their own scores out of 800). For additional on the old score scale and the 2016 redesing, look at ourComplete Guide to the New SAT in 2016. What Should You Do With This Information? You should attempt to make sense of what your objective score inside this range ought be.Don't simply focus on a 1600.That is notnecessary for each student.Your target score ought to be founded on what school you plan to join in. Discover that school’s SAT 25th/75th percentile score via looking â€Å"[College Name] SAT† in Google. The 25th percentile score connotes that 25% of acknowledged candidates score at or underneath that score. The 75th percentile score implies that 75% of acknowledged candidates score at or underneath that score (so 25% of candidates scored higher). To have the most obvious opportunity with regards to being conceded, you should focus on a score at or over the 75th percentile score. For a more top to bottom clarification of making sense of what your objective score ought to be, read What is a decent SAT score? A terrible SAT score? An amazing SAT score?. What’s Next? Attempting to raise your SAT score? Check outour extreme investigation direct. Not certain where you need to set off for college? Look at our manual for finding your objective school. Considering finding a new line of work while in secondary school? Look at our manual for the 8 best employments for teensand figure out how to discover yours! Need to improve your SAT score by 160 points?We've composed a guide about the best 5 procedures you should use to have a taken shots at improving your score. Download it with the expectation of complimentary at this point:

Essay about Unemployment in the United States

National Rate of Unemployment in the United States According to the released Bureau of Labor Statistics, the rate of unemployment in United States has increased over at an alarming rate. Approximately 11.3 million people in the country are unemployed. This is approximately 7.3 percent of the national population. This has affected the economy of the country negatively. According to the report, the number of people who were temporarily laid off had risen by approximately 448 000 people. The statistics revealed the unemployment rates for various groups of people in the country. The rate of unemployment among men was at 7.0 percent and about 6.4 percent among women. The increase in the rate of employment among women came as a result of increase in women empowerment programs countrywide. The unemployment rate was highest among the teenagers whereby approximately 22.2 percent of the teenagers did not have jobs. This can be attributed to their lack of skills and failure in implementing better youth empowerment programs. Unemployment rates a mong the racial groups differed significantly. It was highest among the blacks whereby approximately 13.1 percent of the blacks were unemployed. The rate was lowest among the whites where only 6.3 percent were unemployed (U.S. Bureau of Labor Statistics). Several factors have led to the increase of unemployment in the country. The poor performance of the American economy has contributed to increased rates of unemployment in the country. One of the most significant landmarks that have led to the increase in the rate of unemployment is the recent economic crisis in the country. Different sectors of the economy have portrayed different trends of unemployment. The leisure and entertainment sector was one of the sectors that were highly affected by the economic crisis. This led to high levels of unemployment in the sector. The retail and marketing sector also lay off a significant number of workers during the economic crisis. In the health sector, close to half a million people have been temporarily laid off following the recent government shutdown. There has been an increase in part time jobs leading to the reluctance of companies to employ people on permanent terms. The failure of companies to invest their profits in the employment of people has contributed to the increase of unemployment in the country. Many companies in the country have embarked on other ways of spending their profits other than increasing the number of workers. After the economic crisis experienced in the country, many companies are cautious in increasing the number of staff. The cost of maintaining the staff in such times affects the companies negatively. This has led to high levels of unemployment in the country. Companies are seeking for an assurance of the stability of the economy before embarking on recruiting new workers. Another reason of the increase in the number of unemployment in the country is the increasing trend of the government to lay off workers. Both the central and local governments have opted to lay off many workers in recent years. The hard economic times have forced many government institutions to lay off workers instead of seeking other ways to improve the economy. This trend has encouraged people in the private sector to emulate this example fearing the hard economic times ahead. The high rate of unemployment has discouraged people from seeking jobs. They have developed the notion that jobs are hard to find in the modern society. Various types of unemployment have led to high rates of unemployment in the United States. They include structural unemployment, frictional unemployment, involuntary, cyclical, and voluntary unemployment. Statistics reveal that structural unemployment accounts more for the high levels of unemployment in the United States than cyclical unemployment. Structural unemployment arises due to technological or industrial changes in the employee’s area of specialization while cyclical unemployment arises due to demand for jobs going up and down, with the season of business such as peak and off-peak. Structural unemployment occurs when the job seeking population does not move quickly to vacant jobs due to skill mismatch. The employers have job vacancies, but the employees cannot meet the skill required to fill the vacancy with the available job. This mismatch results to long-term unemployment in the in the United States. Structural unemployment rate is evident in construction, finance, and real estate sectors because of the financial crisis in the United States. The workers who used to work in those sectors cannot be transferable easily to the growing sectors such as health care and education because of their mismatched skills. Homeowners in the underwater mortgages are unable to move to the growing areas due to housing burst in the sector. The mismatches between the workers and job openings in these sectors leave many workers unemployed leading to the high rate of national unemployment. Although structural unemployment is more identified with the unemployment rate n the United States, cyclical unemployment also plays a part in the unemployment process. Many people get employment in the boom period especially in the tourism, farming, and construction sectors. During such seasons, almost all job-seeking people get employment opportunities. After the season is over, there is low demand for services, products, and these results to few workforce requirements. Many of the employees working in these sectors are retrenched, and this leads to mass unemployment. Many businesses rely on seasonal booms and recession in the United States. These businesses produce and distribute their products in certain seasons and this makes cyclical unemployment rampant, in the United States. The high rate of unemployment in the United States is more attributed by involuntary unemployment rather than voluntary unemployment. Involuntary unemployment refers to when people looking for jobs are willing to work with the prevailing wage rate, but they cannot be employed. Voluntary unemployment occurs when the job seekers wage rate is higher than the employer’s wage rate. Involuntary unemployment in the United States is caused by; high population, high job competition, and low education and technological levels. The rising population in the United States has contributed to involuntary employment. The United States federal government has been unable to create jobs to match the increasing population making many people to lack jobs. Levels of education in the United States are low, and this has made it hard for people to match the advancing technological sector. This has made many people to lack employment in the developing companies in the states. Low demand for workers in various industries in the United States causes many people to remain unemployed against their will. There are few cases of voluntary unemployment in the United States due to high job competition. Government offering generous unemployment benefits to the unemployed population attributes to the cases of voluntary unemployment. This makes a number of people opting not look for jobs to enjoy the government benefits. Involuntary unemployment counts for a large portion of unemployment in the United States population. This is because the existing job opportunities in the job market are less than the job seeking population. This has also been propelled by the high competition for jobs (Hooper, Joseph, and Aaron Zalewski. 73). Frictional unemployment results due to people shifting from one job to another. Frictional unemployment in the United States is a common cause for the high rate of unemployment. Many factors contribute to frictional unemployment in the United States. Low payment in the job markets highly attributes to frictional unemployment because people keep looking for new jobs to be paid more. Long working hours in various companies make employees leave their current working positions. They instead look for new vacancies where they do not work for long hours. Skills mismatch also makes workers keep on searching for jobs as they fail to keep up with the growing trends in their respective jobs. Frictional unemployment is highly experienced by graduates, as they are new in the job markets and take time to find appropriate jobs within their desired wage rates. Job attitude by the people in the United States highly attributes frictional unemployment (Hooper, Joseph, and Aaron Zalewski 79). Many peopl e seeking jobs look for white-collar jobs. When these jobs are not available, they are not willing to work on the available casual ones. This attitude on jobs results to unemployment because people will keep on searching for a job. Some companies and industries contribute to frictional unemployment type by providing low wages. Many people looking for employment keep searching for companies that are well paying and this process renders high unemployment rates in the United States. Impact of unemployment in Modern America The high rate of unemployment in the United States has many impacts on the economy, demographics, and global competition. Unemployment also has psychological effects on the people of America. Unemployment makes people be involved in activities such as drug abuse and crimes that do not help the development of the country. The high number of people involved in these activities has led to a slow rate of economic growth in the United States. Lack of jobs has a negative impact on the economy because it means the government cannot get the desired revenue from these people’s salary tax. Unemployment also contributes to low global competition with other developed nations. The high rate of unemployment makes America face high competition with nations such as Canada that has a low level of unemployment. Unemployment in the United States has led to the psychological impact on families and the community in general. The children of the unemployed parents may lack proper education because t hey cannot afford school fees for their children. Lack of jobs leads to distress, and this affects the family well-being. Lack of employment causes drug abuse amongst the youths, and this affects community development (Kriner, Douglas L., and Francis 82). Lack of jobs reduces resources leading to poor housing, transport, medical care, and unfunded education institutions. There are incidences of increased crime rate due to poor education. Unemployment also creates an imbalance amongst the people. The unemployed people in the neighborhoods of the employed ones feel a sense of unfairness. This at times results to discrimination especially between the children of the involved parties. Solutions to the rate of unemployment One of the most rampant for of unemployment in the country today is frictional unemployment. Many people have voluntarily quit their jobs in search of â€Å"greener pastures†. The cause of this trend is the increase in unhappiness in their jobs. One of the most effective ways to combat the rising rates of unemployment is to reduce the number of people quitting jobs with the hope of finding better jobs. The government can achieve this by increasing the minimum wage rates. Many people who quit jobs in the country are in search of better-paying jobs. The increase in the cost of living has increased demand for better pay. Increasing the minimum wage and successive wages of people will ensure that people have the ability to cope with the rising cost of living. It will also reduce the number of cases of frictional unemployment (Kriner, Douglas L., and Francis X. Shen 97). The government also needs to promote education to ensure that workers quit when the time to quit is right. Many people end up jobless because they quit a certain work before they have gotten another work. Education to these workers will enable them quit working in place only after they have another job to take up. Education will also help in creating good relationships between employers and employees. One of the major contributors of frictional unemployment in the country today is the poor relationship between employers and employees. Education should target both employers and employees. It will help in combating prejudice to the employees and thus improving the relationship between the employees and their employers. Companies should increase their flexibility to accommodate different people. The other significant cause of unemployment in the country is the mismatch of skills required for various jobs and the jobs available. In some cases, many people in the country have no jobs because they lack the required skills and qualities that match certain jobs. The industries and companies have opted for mechanization instead of human labor. This has been one of the main causes of unemployment in the country today. One of the ways to deal with this employment is to ensure that all education offered in the country equips people with the ability to fit into various jobs in the country. The education system should equip people with the skills to handle the changes technology thus, enable people to fit into various jobs in the country. The government should put policies that enable companies to balance the use of machines and human activities. The government should put policies that ensure that companies balance the use of machinery with human employment. Companies should also ensur e they carry out regular training sessions to ensure that they equip the people relevant skills to match the required skills. Another factor that has led to the increase of unemployment in the education sector is the immobility of employees. Many people remain jobless because they cannot move to regions where jobs are available. This can be attributed to family ties and housing issues. The lack of proper housing in some regions has discouraged people from working in certain areas where jobs are available. In cases where spouses cannot find jobs in the same place, unemployment of one of the spouses is inevitable. Cynical unemployment is also prevalent in the society today. When this unemployment occurs, the number people with skills for particular jobs exceeds the number jobs available that field one of the major solutions to this unemployment is encouraging entrepreneurship. People with certain skills and qualities should not only depend on employment as their only source of revenue. They should engage in entrepreneurial activities that will help in creating jobs for themselves. The government and financial institutions may help in providing capital to these people to enable them start their entrepreneurial ventures. Entrepreneurship helps one get a job for himself and create jobs for other people. These institutions should also offer guidance to the new entrepreneurs to ensure that they succeed in their entrepreneurial ventures (Kriner, Douglas L., and Francis X. Shen 45). Another way of increasing entrepreneurship and reducing the rate of cynical unemployment is through education. The education system has failed to provide learners with entrepreneurial qualities that would help people fit into various job markets. The failure of the people to acquire the correct entrepreneurial qualities during their learning has contributed to the rise in joblessness. The government should also reward institutions and companies that offer employment to people in the country. Rewards and recognition to companies that offer employment to many people in the country will encourage companies and industries to create more job opportunities. This will help curb unemployment in the country. Voluntary unemployment occurs when a person is unemployed because he cannot find a job of his choice. Voluntary unemployment is also prevalent in the modern society. Many people remain unemployed because they cannot find their dream jobs. In other cases, the available jobs do not meet the expected wages of a person. This has led to the increase of unemployment in the modern society.  Education should equip the learners with qualities to enable them work in various environments. People should learn the importance of patience and perseverance in various positions before seeking for better jobs. Involuntary unemployment takes place when a person is willing to work at any conditions and wages but remain unemployed. A high number of people in the modern society are involuntarily unemployed. For various reasons, these people cannot find jobs the modern market. The solutions to this group of people depend on the causes of unemployment. The main solution to people who are involuntarily unemployed is entrepreneurship. Entrepreneurship will enable them create employment for themselves and their colleagues. Corruption is also another cause of unemployment in the country. Many skilled people remain unemployed because of the high rates of corruption in some companies. Some people have offered jobs to unqualified people because of their family relation and other corrupt activities. This has denied employment opportunities to people who have the qualifications to these posts. In other cases, people have been managers of companies have failed to meet the employment standards required and opted to spend the money set aside for more employments in wasteful endeavors thus increasing levels of unemployment. Fighting against corruption is one of the ways of ensuring that unemployment is reduced in the country. It is the responsibility of both the government and the private sector to increase the employment levels in the country. The citizens should also equip themselves with the skills and attitudes that will help them fit into the job market. Works cited: Employment Situation Summary.  U.S. Bureau of Labor Statistics. U.S. Bureau of Labor Statistics, 18 Feb. 2014. Web. 18 Nov. 2013. http://www.bls.gov/news.release/empsit Hooper, Joseph, and Aaron Zalewski.Advanced charting techniques for high probability trading the most accurate and predictive charting method ever created. Hoboken, N.J.: John Wiley Sons, 2013. Print. Kriner, Douglas L., and Francis X. Shen.The casualty gap: the causes and consequences of American wartime inequalities. New York: Oxford University Press, 2010. Print.

Art And Its Influence On A City Dominated By Art - 1132 Words

Perhaps the most subjective thing life has to offer is art. Some may argue that having such a subjective concept can be hard to uniformly understand and standardize, but that s what makes art so beautiful. Art is subjective, ensuring no two experiences are the same. The fact that we can all look at the same piece of art and have completely different emotional and cognitive responses ensures healthy discussion and communication. Art is one of the few constants human culture collectively has, and therefore is one of the most valued aspects of all culture. Having grown up in New York City, I understood and appreciated the different medias of art and their influence on a city dominated by art. Migrating from the Big Apple to Arlington, Texas was a culture shock, there wasn’t an art museum right around the corner, no street performers and there certainly was not a giant murals on the side of my home. 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The Theology Of The Holy Spirit And The Implications For...

Spirit-Led Preaching is a niche book. It is rare to find a work that so concisely captures the theology of the Holy Spirit and the implications for expository preaching. Heisler answers the dilemma that today’s typical evangelical â€Å"Spirit-shy Christians† face. Many contemporary preachers may fear being labeled â€Å"unbiblical† for considering the need to surrender to the control of the Spirit because of how the church has attributed crazy experiences to the ministry of the Spirit in preaching. Heisler values expository preaching as that which â€Å"holds the powerful combination of Word and Spirit together†. While Heisler acknowledges the â€Å"subjective aspect† found in Spirit-led preaching, he affirms it is â€Å"governed by the grammatical-historical method†. Heisler emphasizes this point throughout his work by marking the â€Å"benefits of the revealing ministry of the Holy Spirit† that come from preaching â€Å"within the bounds of the biblical text†. Heisler’s definition of illumination is the theological thread that ties together his emphasis of Word and Spirit in both preparation and delivery. He writes, â€Å"What is bright light in the study will be white hot in the sanctuary†. For Heisler, this plays practically into what the preacher chooses to edit out or keep in his sermon notes, and how he animates his preaching points and biblical narratives . With this doctrine Heisler challenges preachers to practice the spiritual disciplines as part of their sermon preparation. Citing Paul’s example, heShow MoreRelatedBiblical Models of Servant Leadership13223 Words   |  53 Pagesthat calls our attention to examine him as a model of servant leadership with emphasis on the price he had to pay to earn God’s commendation; â€Å"a man after my own heart† (Acts 13:22), and â€Å"the apple of {My} eye† (Psalm 17:8). This is captured in A Theology of Church Leadership; Servanthood is a high and special calling that involves a covenantal relationship with God. It is not a forced obedience to a thoughtless master. There is instead a willing commitment by the servant to a Master who fully

I Am a Vegan Essay Example For Students

I Am a Vegan Essay One of the biggest impacts of my life happened four years ago. I’ve always been an animal lover, all my life I’ve wanted to adopt stray animals. Whenever we passed by pet shop, I had to go in. One day I decided to look up some things about animals to extend my knowledge. I came across a website called PETA2, I watched their violent and brutal videos about fur, fast food companies, how they torture and kill animals. In that moment something snapped, and my ways of viewing things changed forever. I became very interested in animal cruelty, I saw movies and videos like Meet Your Meat, Earthlings, and Food Inc. I went to a couple of events that PETA2 had sponsored, I started to read a couple a books about being a vegan and I saw how unhealthy it could be to eat meat all the time. Since then Meat started to gross me out, I couldnt eat my mothers meals without thinking about the poor innocent animals. My mother realized what was going on,she became worried. She decided talked to me about it, we came a conclusion that I would become a vegetarian for a month and if I succeed I would become a vegan. After we went to the food store, my favorite, Trader Joe’s. They have a wide variety of vegan options and they have a stamp that says VEGAN when its vegan. We bought a lot of vegan / vegetarian entrees. After the month was over, I became a vegan. Which was one of the most hardest things I’ve ever had to do. Not only for me, but for my whole family. If I became a vegan, my whole family became a vegan. When i changed my diet, it made it hard for my mom to cook things I could eat, and everyone would like. Vegan food didnt taste the same as regular food. Soy milk was weird for me, I didnt like it at all. I would skip lunch at school because there was no food I could eat. The first few months, I lost a lot of weight, I was underweight. I only weighed 90 pounds, the doctor was worried so she recommended I see a nutritionist to make sure it was healthy and if it was what would my diet consist of. She explained to me what I’m missing out on since I don’t eat meat, and I needed to take vitamins. My mother bought me vitamins with iron, vitamin c, omega-3, all the things that I needed that I couldnt get from not eating meat. After having that talk with my nutritionist, and finding a healthy diet for my age. I have lived a healthy and happier life. I may just be one person, it may not be much, but I know I’m making a difference. A year, I save about 100 animals from being eaten. I’m glad I decided to become vegan. It has its ups and downs but overall I know I’m doing something good, and Im happy with it.

Oedipus the king free essay sample

Aristotelian philosophy teaches that knowing material reality can be achieved by properly Identifying the essential traits of things and distinguishing things from other things by forming classification schemes based on those traits. The theorys great power is that it canproduce useful, independently verifiable categories of analysisitwe all can agree on the epics essential traits, then we can conduct reasonable scholarly discussions about epics. Since Aristotle also was Interested (like his teacher. Plato) in the proper organization of human communities, from the one- amily oikos (whence economy) to the city-state of the polis, he also tried to describe the social functions of literature. This continues to be an important line of study In modern literary theory. One of the methods weakness arises from disagreements about what, If anything, can be called essential from the start (a prion), outside some kind of social, political, historical processes that made it. We will write a custom essay sample on Oedipus the king or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page A second weakness, shared by some practitioners of Structuralism (q. v. ), is Aristotles fondness for defnltion and categorizatino by binary oppositions: states which are supposed to be mutually exclusive (i. . , live or dead, on or off, in that you cant be both, but must be one or the other). Many of the oppositions by which he constructed his literary analysis are suspect or simply wrong, at least in our own era (e. g. , comedy or tragedy has become confused with tragi-comedy and satire). Post- Aristotelian thinking tends to avoid relying upon unexamined binary oppositions and to look backwards, in order to situate literatures traits in the processes which created them, but otherwise we owe a great methodological debt to The Philosopher, as he was known to medieval readers. Some Aristotelian principles† ) Genre and generic attributes Aristotle sought to anchor his definitions of literary genres in exemplary works and authors. Of tragedians, he considered Sophocles the best, and his Oedipus Tyrannus (Oedipus the King) the finest example. Thats immediately debatable because great works by two other major tragedians survived (Aeschylus and Euripides). In the case of epics, his task was easier because only one authors work were widely known to him, those of Homer. According to Aristotle, the lost Homeric mock battle narrative, Margites, is to comic drama as the Iliad and the Odyssey are to ragedy. Note that this suggests genres originate in pairs, each balancing qualities the other excels In with qualities it lacks and its partner has In abundance. When distinguishing between epic and tragedy, he said epic has a multiplicity of plots, each of which Is fully developed in the epics larger scope, but the tragedy is a compressed development of a single plot. Aristotle says epics have a major advantage over tragedy because of their multiplicity of Incident, the capacity to enlarge its action to incorporate several series of events which may have happened imultaneously [representing them in narrative series by means of flashbacks, etc. ]. For Aristotle, all literature is an art of imitation (Gk. mimesis, whence mime). As artists imitated life to produce their literature, audiences would be inspired to imitate, in some fashion, what they read, heard or saw on the stage. The social function of epic as an exemplar of good behavior was easier for Aristotle to assume in Classical Greece. Recently, the hero-aesthetic has been dethroned as a necessary and great model of human aspiration, at least as it motivates citizens to become warriors. Comedy produced an immediate problem for Aristotle, however, since comedies tend to be about bad behavior and people doing ugly, immoral, or ridiculous things. He accepted that the primary object of comedy as imitation: imitation of low charactersnot morally bad, but ludicrous, ugly but not painful or destructive. He defended comedies mimetic representation of ludicrous behavior because it would incite audiences to avoid its imitation. 3) Proper proportion A tragedy imitates action that is serious, complete, and of an appropriate magnitude (neither trivial nor too vast). 4) Literatures function The tragedy evokes two kinds of emotions, pity and fear, in order to cleanse the mind of dangerous but natural human tendencies, especially overgrown pride in our accomplishments. This emotional purging (katharsis), when shared by the whole population, restored the city to health. 5) Character construction Tragic characters all have two qualities by which we Judge them: thought and character. In order of importance, proper characters should have the following qualities: goodness in a moral sense, appropriateness to social mores, truth to life (probability in small details), and consistency (i. . , not disturbingly divided in nature). 6) Sub-components of dramatic theater Tragedies have these six parts: plot, character, diction, thought, spectacle (today, special effects), and song. ) Literature and human nature According to Aristotle, our qualities are determined by our characters, those basic combinations of traits we were born with or develop as we grow, but we are made happy or wretched by our actions. Therefore, the great literature concentrates on showing us those actions at crucial moments and the first principle of any drama is its plot (i. e. , the act ion). A perfect tragedy should imitate complex actions (see #12) that excite pity and fear (#4) while leading a man who is extraordinarily good and Just to misfortune by some error of Judgment or frailty of character. That frailty of character is the famous tragic flaw or hamartia, actually something closer toa tragic imbalance qualities in the construction of a tragedys plot are: it has a beginning, middle, and end (i. e. , is complete); and it is of appropriate size to be easily embraced in one view or easily embraced by the memory [long enough to move a character from alamity to good fortune, or from good fortune to calamity. For this reason, Aristotle says good plays resemble living organisms. (This idea has a rebirth in Romanticisms organic form theory. An episodic plot is: one that moves from incident to incident without necessary or probable cause. You can still find modern literary reviews that condemn a works plot as episodic, though since Modernism, fiction has tended to test that boundary and many of the rest Aristotle tried to establish. 9) Unity of action In addition to unity of form and time, Aristotle also said a plot should be unified. However, definitions of this tend to be circu lar: the plot centers around an action that is unified. 10) Poetry vs. istorythe truth problem The ancients and medieval theorists were troubled that poetic works of all kinds (narrative fiction, drama, lyrics) are technically lies. isnt lying a bad thing, something to be punished. Aristotle saw the poet and historian as his opposing binary opposites to solve this problem. The poets Job differs from the historians in that: the historian must relate what happened, but the poet may relate what may (or may have) happened. (Also see Sidney, Defense of Poesy. ) 11) Simple vs. complex plots While Aristotle tended to favor literary traits that unified, he was not against complexity, itself. For him, a complex plot is distinguished from a simple one because it has one or both of these special features which produce important effects in the audience: reversal of expectations (peripeteia) and/or recognition (usually of someones identity, often of ones own true identity [anagnorisis]). Both of these events occur nearly simultaneously near the end of Oedipus Tyrannus. Aristotelian analysis divides the plays action into two parts complication and nraveling, the latter of which might begin with the reversal of expectations and end with the self-discovery or recognition scene. 2) Literature and the agon Like most Classical Greeks, Aristotle saw most of the universe as a pattern of struggle, or agon, in which opposed forces battled for supremacy. Tragedy and epic, alike, according to Aristotle, might develop a kind of collision between opposing character types in which one must subdue the other. He said tragedy should have a double thread, which can be identified by: its concern for two groups of actors hose ends are opposite because of their opposite natures (e. g. , in epic, Odysseus triumphant return vs. the suitors destruction; in tragedy, Antigones unwavering insistence on the old burial customs vs. Creons equally stubborn demand that she 13) Spectacle / Special Effects vs. Tragic or Comic effects Aristotle distinguished clearly between works which operated upon the audiences minds by manipulating the emotions via thoughtful processes from those which sought their impact by shocking the audience with scenes which were taboo in ordinary social life (e. g. , murders, open sexuality, violent accidents). The movies, Halloween and Nightmare on Elm Street, and all their many imitators, are examples of tragedies that use spectacle to move the audiences emotions.

Free Essays on Top Girls

Caryl Churchill uses an interesting method of role assignments in her play Top Girls. She often assigns a particular role to a character in the first scene and then reassigns that same actor one or more roles in the remainder of the play. These sets of characters may initially seem arbitrary, but when examined closely are perfectly logical. Churchill systematically assigns the characters in each group to have uniting characteristics and backgrounds. The first character group is comprised of the waitress, Jeannie, and Win. The waitress remains nameless and speechless during the play. Marlene constantly orders her about and never thinks to use the social niceties of â€Å"please† or â€Å"thank you†. For example, in the first scene, Marlene commands, â€Å"I want some coffee. Six coffees. Six brandies. Double brandies. Straightaway.† (Churchill 36). The waitress uncomplainingly allows herself to be a sort of automaton devoid of personality and feeling. Jeannie also allows herself to be dehumanized in a similar sort of way. She is a secretary in pursuit of a new job. When asked to explain her position, Jeannie says she is a secretary and typist. Marlene then questions her as to who she works for. Jeannie answers, â€Å"Three of them, really, they share me† (Churchill 42). Jeannie speaks of herself as if she were an inanimate object, rather than a competent woman. Win also exhib its this type of nature. She is engaged in an adulterous relationship in which she is amused. Win brags to Marlene and Nell, â€Å"I had to lie down in the back of the car so the neighbors wouldn’t see me go in† (Churchill 60). Win acts as if she were a robot, not worrying about the emotional and moral implications of her relationship. The next category of women consists of Isabella, Joyce, and Nell. Isabella is a worldly traveler and adventurer whom feels as if she has â€Å"spent years in self-gratification† (Churchill 89). S... Free Essays on Top Girls Free Essays on Top Girls Caryl Churchill uses an interesting method of role assignments in her play Top Girls. She often assigns a particular role to a character in the first scene and then reassigns that same actor one or more roles in the remainder of the play. These sets of characters may initially seem arbitrary, but when examined closely are perfectly logical. Churchill systematically assigns the characters in each group to have uniting characteristics and backgrounds. The first character group is comprised of the waitress, Jeannie, and Win. The waitress remains nameless and speechless during the play. Marlene constantly orders her about and never thinks to use the social niceties of â€Å"please† or â€Å"thank you†. For example, in the first scene, Marlene commands, â€Å"I want some coffee. Six coffees. Six brandies. Double brandies. Straightaway.† (Churchill 36). The waitress uncomplainingly allows herself to be a sort of automaton devoid of personality and feeling. Jeannie also allows herself to be dehumanized in a similar sort of way. She is a secretary in pursuit of a new job. When asked to explain her position, Jeannie says she is a secretary and typist. Marlene then questions her as to who she works for. Jeannie answers, â€Å"Three of them, really, they share me† (Churchill 42). Jeannie speaks of herself as if she were an inanimate object, rather than a competent woman. Win also exhib its this type of nature. She is engaged in an adulterous relationship in which she is amused. Win brags to Marlene and Nell, â€Å"I had to lie down in the back of the car so the neighbors wouldn’t see me go in† (Churchill 60). Win acts as if she were a robot, not worrying about the emotional and moral implications of her relationship. The next category of women consists of Isabella, Joyce, and Nell. Isabella is a worldly traveler and adventurer whom feels as if she has â€Å"spent years in self-gratification† (Churchill 89). S...

How is subjectivity (race, class & gender) constructed and put to use Essay

How is subjectivity (race, class & gender) constructed and put to use through Fiesta Explain using specific examples from Horton as well as Gathering Up - Essay Example Subjectivity is a social mode that comes about through many interactions within society. It is a process of individualization as well as of socialization as the individual is never isolated; rather they are endlessly engaging in interactions with the world. It is shaped by and shapes other things such as the economy and even communities. A common effect on an individual is whereby they experience culture shock, where subjectivity of the other culture is considered alien or hostile. Because society is based on group interactions, common meanings allow for common frames that they can refer to when communicating a given subject (Horton, 2010). They are derived from each person understanding their subjective experiences and providing many aspects of meaning. Since 1712, the residents of Santa Fe have remembered how they were ousted in the Pueblo Revolt but managed to make their way back. The settlers reestablished themselves and went back to their roots. Today, La Fiesta de Santa Fe is considered one of the oldest celebrations in the nation. Its roots date back to when a general negotiated with the Indians who occupied Santa Fe to allow Spanish settlers to return. He, being a religious man prayed by a small statute of Virgin Mary and promised that if the settlers were allowed back, they would never forget her intercession. For a while, the promise was not kept up until a Lieutenant Governor intervened. The Santa Fe Fiesta, Reinvented gives a new perspective to the controversial identity formation of the Mexico’s Hispanos. The book carefully gives attention to the symbolic action of the event and explores gender, time, genealogy and sexuality which are the basis of the cultural nationalism. As the Hispanos were largely minoritized in the Santa Fe, their elites continued to invent and re-create the foru cultural organizations that

Management accounting Essay Example | Topics and Well Written Essays - 1500 words

Management accounting - Essay Example BA is flying to over 550 destinations and to 155 countries worldwide including Americas, UK, Europe, Middle East and South Asia, Africa, and Asia/Pacific (â€Å"British Airways,† 2010). It has been considered as one of the leader in the airline industry worldwide and known for its excellence, quality, and full air and ground services. Aside from being the largest international scheduled airline in UK, BA offered several services and facilities to their customers to guarantee their convenience. The company has been privatised and shares are traded on the London Stock Exchange (LSE) under the ticker symbol BAY (â€Å"London Stock Exchange,† 2011). As history trace its origins back, BA was formed with the mergence of BOAC, BEA, Cambrian Airways, and Northeast Airlines last 1974 (â€Å"British Airways,† n.d.). ... They have decided to merge because of recession that badly hit the operations of the two airlines (BBC News, 2009). The purpose of this paper is to explain how management accounting can supply information to assist the management of British Airways, particularly the key techniques that are favourable to the company. Review of the Nature and Role of Management Accounting Management accounting is an exclusive type of accounting wherein the supplied information is more specific. Furthermore, it â€Å"exists to serve managers helping them work as decision makers, planners, and controllers of their respective departments or areas of responsibility† (Atrill & McLaney, 1994, p.14). In other words, the role of management accounting is to assist the managers in making decisions or problem solving, and provide accounting information necessary to make realistic future plans. They are expected to provide financial or economic information particularly available to those in managerial posit ion. These are needed in carrying the tasks of decision-making, planning, and control so that organization will be managed effectively and efficiently. Decision making and planning is one of the crucial tasks played by management accounting. There are instances that the management needs to settle with the best option to be pursued which at the same time favourable to the organization. The determined courses of action will be evaluated as to their costs and benefits which is the role of planning. Furthermore, the information will be more effective if the result of the appraisal showed that the benefits outweigh the costs. Control is the second primary tasked that â€Å"involves a comparison of actual performance with the plan so that

Swot Analysis Example Essay Example for Free

Swot Analysis Example Essay The S.W.O.T Analysis outlines the key strengths, weaknesses, opportunities and threats that I face at the moment. Hopefully at the end of the year I will be able to look back on these and think of how I have improved. My strengths all seem to come from learning through my Diploma level of Btec Graphic Design. Studying Fine Art and Graphics has allowed me to generate and develop ideas through sketchbooks. In these subjects I have used photography and photoshop to an beginner/intermediate standard, I also invested in a 13 MacBook Pro by Apple which I love. It helps me generate art pieces that has received a lot of compliments. In Graphics, I have had to reflect on ideas so that I could meet the mark scheme. I think my passion for learning comes from my attitude in high School, I was brought up in a positive environment with lots of encouragement that helped me a lot with school. I may not have had the best grades, but I have always had an enthusiasm to learn and especially for art. When I come up with an idea I dont really see any ways of improving them. This needs to change during the year, I need to learn to develop properly otherwise my ideas are not going to be fully realized. In the next 3 years I am going to have a lot of opportunities, mostly set by the university and others I have to set up myself. Live projects are going to give me a good idea about how to deal with clients and what their feedback is going to be like. Student life is going to help me socially, might make me a bit more confident in myself and help me over come my shyness and the fear of speaking in front of crowds which will then help my work. I feel that maybe, if I let these threats get out of control, it will affect my performance when working. The idea is to recognise these threats or fears and control them in order to produce my best work.

Switzerland Essay -- Geography Politics Swiss Essays

Switzerland Switzerland is best described by conveying an understanding of its geography, political, economic, cultural and social environments. The geography of the country has had a significant impact on its way of life. Switzerland is bordered by Germany in the north, Austria and the Principality of Liechtenstein in the east, Italy in the south and France in the west. This represents many significant European cultures converging on Switzerland – the German speaking region, the French and the Italian. Two thirds of the Swiss population lives in the Plateau, between Lake Geneva and Lake Constance, in 30 percent of the country’s surface area. There are 450 people to every 1 km2 (1,166 per square mile). This makes the country one of the most densely populated regions of Europe and a promising prospect for marketing a product. The country that we know today took its final shape only in 1848. Before that time, we cannot really speak of "Swiss history," but rather the history of its v arious parts, which only gradually came together. Political Environment Switzerland is a nation shaped by the resolve of its citizens: it is not an ethnic, linguistic or religious entity. Since 1848, it has been a federal state - one of 23 in the world and the second oldest after the United States of America. Like the U.S., Switzerland values the idea of federalism and sovereignty, which has ensured its historical survival. The main political parties in Switzerland are the Swiss People’s Party (SVP), Social-democratic Party (SP), Radical Democratic Party (FDP), Christian Democratic Party (CVP) and the Green Party. The Federal Constitution is the legal foundation of the Confederation. It contains the most important rules for the smooth functioning of the state. It guarantees the basic rights of the people and the participation of the public. It distributes the tasks between the Confederation and the cantons and defines the responsibilities of the authorities. Switzerland has a federal structure with three different political levels: †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  the Federation †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  the cantons †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  the local authorities The Federation is the Swiss designation of the State (the term Confederation is also frequently used). The Federation has authority in all areas in which it is empowered by the Federal Constitution - for example, foreign and security policy, customs and monetary p... ...tzerland is positioned to expand its role in the global market and will continue to improve with the expansion of foreign investment and trade. It is a strong and stable market, for US companies, looking Central and Eastern European expansion. Works Cited Microsoft ® Encarta ® Reference Library 2003.  © 1993-2002 Microsoft Corporation. http://www.eda.admin.ch/washington_emb/e/home.html http://www.economist.com/countries/Switzerland/profile.cfm?folder=Profile-Political%20Structure http://www.admin.ch/ch/e/schweiz/political.html www.swissworld.org Switzerland, Economy - bartleby.com 2004 Focus on Switzerland – joneslanglasallehotels.com 2004 Switzerland, Economy – nationmaster.com 2004 CIA, The World Factbook, 2003 Li, Jian; What Connecticut can Learn from Switzerland’s Oscillating Economy, Fall 2003 Switzerland, Economy – encarta.msn.com 2004 Switzerland and the EU – eurolegal.org 2004 http://www.stthomas.edu/mgmtctr/Newsletter/Articles/intercultural.htm http://www.globaltmc.com/Articles%20html/temp.fugit.html http://www.geert-hofstede.com http://www.lonelyplanet.com http://www.cia.gov http://www.1uptravel.com http://religiousfreedom http://radar.ngcsu.edu

Madoff case Essay

1. What is the ethical issue involved in the Madoff case? The Madoff case if filled with numerous ethical issues. The case is considered to be the largest scam in our nation’s history. The Madoff case is a great example of how someone who did not care about his profession, as well as the all the personal relationships he had cultivated over the years. Bernie Madoff was involved in a scheme called a Ponzi scheme. Madoff would take money from new investors to pay off the current investor’s dividends. Since Madoff promised unrealistic gains this was the only way to pay his investors. The Ponzi scheme was Names after Charles Ponzi who had tricked investors about a century before Madoff. To keep giving earlier investors their promised return, Madoff had to continually draw new people into the scheme. His family who claim they did not know about the scheme was also involved bringing in new clients to invest with Madoff. The SEC grew very suspicious after the market lows in 2008 and Madoff’s clients were still getting high return on investment. The SEC who had been investing Madoff exposed and charged Madoff of running a Ponzi scheme. Madoff like Ponzi had a personality that people trusted and handed over millions of dollars to invest. Madoff case was strange in nature since it went on for so long. This case really opened the eyes of many investors and made them take a more active role in their investments. 2. Do you believe that Bernie Madoff worked alone, or do you think he had help in creating and sustaining the Ponzi scheme? As intelligent as Bernie Madoff may have been he could not have pulled of the country’s largest Ponzi without some help. The return on investment that constantly beat market averages should have sent up red flags to people inside the company. People within the company such as internal auditors, accounts and other in the internal system should have been really suspicious of the finical reports. Were the people in the Madoff’s office asleep at the wheel? Or was something else not publicized happening behind the scenes? There were just too many intelligent people who worked with Madoff not to see the writing on the walls. Auditing books for a couple of months may not have sent up red flags but the fact the scheme went on for 30 years may say more people were involved. The size of the scheme and the amount of money involved makes it unbelievable and almost impossible that he could have perpetrated a crime by himself. 3. What should be done to help ensure that Ponzi schemes like this one do not happen in the future? The Security and Exchange Commission (SEC) is the government body in charge of investigating federal securities fraud. After cases like the Madoffs people always want more regulations but fail to come up with a plan everyone can agree on. More regulations may work but may not necessarily be the answer. The SEC has to help pass smarter legislation that well sends up red flags sooner so these schemes can be stopped. As much as the SEC can do, people are really the key to stopping these schemes before they start. It is up to everyone to stop financial crimes, from the internal auditor that may see fishy finical reports, to the everyday investor who may be getting better than average returns with their investment firms. Before the Madoff case people may not have been so concerned about their high returns and just keep collecting them. Since the highly publicized Madoff case will really make people think twice before they get caught up in a Ponzi scheme themselves. The old adage â€Å"if it is too good to be true it probably is† comes to mind when dealing with Ponzi schemes. Investors really have be smart and really know where their hard earned money is going. It will be just a matter of time before another â€Å"Bernie Madoff† comes and tries to scam people, however if the SEC and investors are on the same page scams may be stopped before they get started.

Ethics Morality and People Essay example - 2841 Words

HU4640 August 2, 2013 Project Pt. 5: My Personal Code of Ethics This was a very interesting project because I have never really concerned myself with my ethical beliefs or position. I just did what I thought was best without really thinking about it in this manner. I am glad that I had this class. It was very enlightening. My beliefs and obligations to society is very simple, treat people the way you want to be treated. I am a firm believer of the Golden Rule. You will receive respect in the long run. I value the relationships that I have with others. I view this perspective as one in which I don’t really care what other people think of me personally, but I do try to establish myself as a fair individual. I never ever†¦show more content†¦A lot of times we did not get any recognition. So when I became a sergeant and I became a squad leader that is what I always did. I would let my fellow squad members know that there are no absolute where they will get recognition for doing their job but doing a job at the best they can do. I average job would not be recognized. Some of the weaker members thought this was punishment but I tried to explain to them that if you don’t push yourself. How can you ever know what you are able to do? They thought that by being the weaker links I was punishing them and they went to company commander about it. I explained my position to the company commander. He agreed with me, but it made me make adjustments to my program. I decided to give daily â€Å"AT A BOY†. I would write letters of excellence to those who demonstrated levels far and beyond the call of duty. I counseled them and put the letter in their personnel file. That was a way to morally reward those who excelled. I give to different types of charities, sponsor different people and groups in all different types of events. 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