Causes Of Food Insecurity Essay

Causes Of Food Insecurity Essay
Food has a diversity in the way it benefits the human society. As we feed ourselves as a part to our
diet to keep us alive of course. Yet food insecurity is a criteria within food itself. A conflict
revolving around the society that tends to not be clearly shown. The article "Hunger on campus, The
challenge of food insecurity for college students" by and "The Atlantic, The hidden hunger behind
college campuses" by Laura Mckenna both show food insecurity as a conflict on college campuses.
Nowadays college students come along this problem of "food insecurity". As society assumes a
college student may have a job, balanced life along with school. Yet the assumption of students
receiving financial aid does not indicate them having the money for everyday meals. It is relevant to
any college student knowing how food insecurity is visible in college campuses. As well there may
be plenty of solutions of getting rid of food insecurity. A clear definition of food insecurity is "food
insecurity the lack of reliable access to sufficient quantities of affordable, nutritious food" (Hunger
on campus). This articles show the visibility of what " food insecurity" is intended of. Students
remain within their struggles due to money shortage leading to lack of food supply. As this is a
probable cause for most students colleges should implement students extra financial help towards
food. It is clear that schools do not raise above their own standards to give students the best
experiences in
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Reforms For Stricter Campaign Financing Rules
"Individuals and PACs in finance, insurance, and real estate have contributed over $2 billion to
federal campaigns since 1990. Wall Street contributions increased from $60 million in 1990 to $311
million in 2005" (Wall online). "Electoral competition is achieved when qualified candidates have
access to sufficient spending to become known to the voters" (Does online). Therefore the candidate
must resort to any means necessary to have sufficient funds to run a successful campaign. Stricter
campaign financing guidelines are needed to limit the amount of donations to candidates because
interest money is a dominant factor in campaigns. It steers the ideological views of the candidate
toward the Political Action Committee that donates the most ... Show more content on
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"SSFs are political committees established and administered by corporations, labor unions,
membership organizations or trade associations. These committees can only solicit contributions
from individuals associated with connected or sponsoring an organization" (Quick online). One of
the loopholes that the political action committees found to limitlessly fund campaigns was soft
money. "Soft money is a loophole that allows individuals, unions, and corporations to give unlimited
sums to parties and national party committees for "party–building" purposes, at grass root level"
(Edwards 284). These groups were able to bypass the regulations instituted by the Federal Election
Campaign Act. Regardless of how Congress enacted on stricter campaign financing guidelines,
unions, individuals, and corporations were still able to find loopholes to contribute money to
campaigns. Due to the absurd amounts of money that is required for the candidates to be able to
creditably and adequately compete; candidates have been forced to turn to PACs to fund their
campaigns. "The current system of campaign financing argues that the high cost of office–seeking
and current ways of meeting those costs not only distract elected officials from their primary task of
lawmaking, but leave the door open to the influence of special interests" (Power online). This
method of campaigning is criticized to be undemocratic, because candidates do not attentively listen
to their

White Collar Crime Is Now Becoming More Widely
Introduction
In today's society, white collar crime is now becoming more widely known because of the
advancement of technological devices and brilliant minds. In fact, over 730,000 counts of suspected
financial wrongoing were recorded in America last year, according to recent data from the Treasury
Department 's Financial Crimes Enforcement Network (The Economist, 2009). White Collar Crime
is a term reportedly coined in 1939–is now synonymous with the full range of frauds committed by
business and government professionals including one of the many called "Check Kiting" (FBI,
2010). White collar crime is described by the federal bureau investigation (FBI) in three words:
Lying, cheating, and stealing which is exactly the kind of people that Scott in this case analysis has
to deal with. In this case, the Operations Manager, Scott at a small bank has the duties of overseeing
transactions and defining clients who use bad checks. While going through the daily routine, he
finds that his wife's friend, who is the chief financial officer of the bank, appears to be involved in
check kiting. According to the business dictionary, check Kiting is a form of check fraud, in which
checks are issued against funds that a bank has credited into an account for deposited, uncleared
checks. With careful timing of deposits and withdrawals, this scam can be turned into a large sum.
Furthermore, In addition to knowing the suspect, Scott also is aware the CFO is also involved in an
unsteady

Of The Cadbury Committee Report On Financial Aspects Of...
3.2.2. Cadbury Committee Report on Financial aspects of Corporate Governance 1992 This report is
considered as the Megna Carta of Corporate Governance. The Committee was set up in May 1991
by the financial reporting council of the London Stock Exchange and the accountancy profession to
the address the financial aspect of corporate governance. There was unexpected failure of the major
companies like world com. Xerox, Enron etc. Moreover there was heavy criticism by the investors
media and the general public of the lack of effective board accountability in respect of these massive
failures. Further, there was a huge demand by these agencies to take penal action against the
directors and management and also to clarify the responsibilities. The Cadbury committee drew on
these documents and wide range of submissions from interested parties in producing its draft report
that was issued for public comments on 27 may 1992. The code recommendation consists of 19
points set out under the heading of (1) Board of Directors (2) Non–Executive Director (3) Executive
Director (4) Reporting and Control. The main points are summarized as follows: 1. The Board of
Directors The board should meet regularly, retain full and ... Show more content on Helpwriting.net
...
The sponsors of the Hample committee were the London Stock Exchange the confederation of
British Industry (CBI), The Institute of Director (IOD),The Consultative committee of Accountancy
Bodies (CCAB). The National Association of Pension Funds (NAPF) and the Association of British
insurers (ABI). The Committee submitted its final report in June 1998. The Final report of the
committee containing recommendation is divided into seven chapters:– Corporate governance,
Principles of corporate governance, Director's renumeration, The role of shareholders,
Accountability and Audit, Summary of conclusion and

Fund Development and Financial Performance of the...
1. The ratios are as follows: 2003 2004 Current ratio 0.87 0.90 Long term solvency 1.38 2.06
Contribution ratio 0.480 0.546 Programs & expense ratio 1.05 0.90 General & management expense
ratio 0.298 0.203 Fund–raising ratio .024 .048 Revenue/exp ratio 0.945 1.11 These different ratios
can be used to analyze the financial performance of the non–profit entity. The current ratio is
important because it measures the organization's liquidity. The current assets are those that can be
converted to cash quickly (within a year) and the current liabilities are those liabilities that are due
within a year. A current ratio should ideally be over 1.0, because that indicates that the organization
has enough assets to meet its needs for the coming year. This organization will need additional
funding to meet its cash flow needs for the coming year. The long–term solvency ratio is related to
the current ratio, but focuses on the long–term ability of the company to liquidate and meet its debt
obligations. Any number over 1.0 is healthy and this entity appears to have an asset base sufficient
to cover its debt obligations in the long–run. The other ratios mainly focus on operating metrics. The
programs and expense ratio illustrates the degree to which the entity is spending its revenue on
programs. It is important for the entity to spend as much as possible of its revenue on programs,
rather than on support functions. That said, most non–profit entities need to direct

Management Issues of Implementing Welfare to Work...
Management Issues of Implementing Welfare to Work Programs In California
In August of 1996, our chief executive of the United States, President Clinton, changed the structure
of welfare dependency. He signed into law, the Personal Responsibility and Work Opportunity
Reconciliation Act. This act, with its entire new legislature, has come to be known as welfare
reform. Our state leaders, administrators and managers face many challenges and constraints in their
attempt to implement a law, which will restructure the welfare dependency roles. This paper will
take a detailed view of the specific challenges faced by state public sector leaders, in the attempt to
implement these new laws which created a new welfare system for the United ... Show more content
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For too long the needy and many of our legal immigrants had dependent on government funds
known as Aid for Families with Depend Children (AFDC.) When President Clinton took office, he
began to restructure the United States Government and its policies. One very noticeable change,
which had an impact on the majority of the United States citizens, was the restructuring of the
welfare system. AFDC was replaced by a program known as, The Temporary Assistance for Needy
Families (TANF.) Under the Temporary Assistance for Needy Families program, state
administrators, as opposed to the federal government, determines the eligibility of needy families
and the benefits and services they are eligible to receive.
During the course of implementing welfare reform, the federal government decided that it would
reduce its role as administrator of state programs and funds relating to welfare. Each state was given
the authority to create and implement its own projects for reducing welfare's financial weight, which
the federal government carried. Each state was issued a limited amount of funds to create their own
unique and innovate programs to reduce the size of welfare dependency. This action put an end to
uniformed ways of administering and monitoring welfare payments. Although the federal
government limited their roles of participation in welfare guidance, they set mandate in the new
laws which state must

The Court Of The European Union
The case in question concerns Romanian nationals who were refused a grant of benefits by way of
basic provision by Jobcenter Leipzig on 28 September 2011. After they were refused a second time
they lodged an administrative objection which was dismissed. On 1 July 2012 Ms Dano and her son
challenged that decision before the Sozialgericht Leipzig .
The Court of Justice of the European Union decided that Regulation (EC) No 883/2004 must be
construed as meaning that 'special non–contributory cash benefits' fall within the scope of Article 4
of the regulation . Also, Article 24(I) of the European Parliament and of the Council of 29 April
2004 should be understood as not precluding legislation of a Member State whereby nationals of
other ... Show more content on Helpwriting.net ...
The requirement that economically inactive Union citizens must have sufficient resources for
themselves and their family members is included there. Therefore, Article 7(1)(b) of Directive
2004/38 seeks to stop economically inactive Union citizens from becoming unreasonable burdens on
the state welfare system. As a result, a member state can refuse to grant social benefits to
economically inactive Union citizens who use their right to free movement to take advantage of
another Member State's social assistance when they do not have sufficient resources to claim a right
of residence. The applicants lacked the sufficient resources to claim a right of residence and so could
not invoke the principle of non–discrimination in Article 24(1) of the directive . The reasoning
behind the fourth question was that Member States are not implementing EU Law when laying
down the conditions for the grant of special non–contributory cash benefits
For the Court to have decided that Ms Dano should be allowed to claim special non–contributory
cash benefits would allow economically inactive migrants to take advantage of the welfare system
of the Member State they have migrated to putting an unreasonable burden on the Member State to
provide for these migrants who do not have sufficient funds. The

The International Monetary Fund ( Imf )
The International Monetary Fund (IMF) was one of the many international organizations that
emerged after the end of World War II. The primary function of the IMF is to promote the
international financial stability and spur monetary cooperation. Many countries see the IMF as a
"lender of last resort" (Thacker, 1999:38), meaning countries borrow money from the Fund for
"short–term balance of payment support" (Steinwand and Stone, 2007:11) in order to avert the
collapse of their domestic economies. Many of the loan programs offered by the IMF are
accompanied by the terms commonly known as conditionality. IMF conditionality is a set of
intensive fiscal and monetary policy reforms that must be implemented by the borrowing country.
An important question often raised in connection with IMF imposed conditionality is whether such
programs are effective and they work to enhance the economic situation of the developing country.
In this paper, I argue that there are mixed results regarding the IMF program effectiveness, and the
success of IMF lending program does depend on domestic factors of the borrowing country.
The effectiveness of IMF lending program has been limited due to various reasons. First, powerful
shareholders can defend their allied states from the consequences of their failure to abide by the IMF
imposed conditionality (Stone 2008, Steinwand and Stone 2007, Thacker, 1999). Secondly, there is a
principle–agent problem with the IMF lending program, often resulting in

Partnership Essay
Assignment Content | Chapter 1 | First Question | Chapter 2 | Second Question | Chapter 2.1 |
Characteristics of "Partnership" | Chapter 3 | Third Question | Chapter 3.1 | Characteristics of
"Business Environment" | Chapter 3.2 | Characteristics of "Porter's Five Forces" |
ADIL ZHAXYLYKOV
TP029709
UCFF1207(G2–T2)
BM004–4–0 ITB
1. What would be the aims and objectives of the business Luke is planning to implement after
graduation?
The main aim of the Luke's business idea is to provide lessons to people especially older people, on
how to use the internet and e–mail. He would like to eliminate the "fear" of going back into the
workforce among older people and has decided that he will provide hands on experience of the ...
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Disadvantages of "Partnership": * Unlimited liability; * Decision making is not easy; * Business
continuity is not ensured; * Limited expansion ; * Share of control; * Profit sharing.
I've just explained main characteristics of "Partnership" even if it has some disadvantages I consider
that this type of organization most appropriate for Luke's project. As we know he feels lack of
business knowledge and also fears that he might not have sufficient funds to start up that's why he
anyway needs partner's support.
(502 words)
3. In your opinion, what forces in the business environment could potentially affect Luke's business?
We know that the main idea of Luke's business project is providing IT lessons by his self, however,
he is going to set up this project in partnership with his housemate Eric although that type of
organization is most appropriate it has some forces which could potentially affect to his business. A
business doesn 't exist in a vacuum: environmental forces can affect businesses positively by driving
sales, or they can cause negative effects by increasing the cost of goods sold or by increasing a
business 's overhead. A business depends upon its ability to generate a profit despite the external
factors affecting it. While most environmental forces may be outside of a company 's control, it can
still succeed as long as

Kiting Credit Unions
Kiting could involve collusion between account holders at different financial institutions. An
example is a husband and wife who have checking accounts at different institutions (e.g., a credit
union and a bank). While the accounts at both institutions may be titled in both names, the checks on
one account might only contain the husband's name and the checks on the other account might only
contain the wife's name. Tellers should be aware of this when evaluating kiting symptoms. Filing
Suspicious Activity Reports (SARs) Credit unions should file a Suspicious Activity Report (SAR)
when they discover a member is engaged in a check–kiting scheme. The SAR should be filed even
though the amount of the kite is less than the $5,000 threshold for filing a SAR. SARs are placed in
an electronic database that law enforcement officials can access. A SAR ... Show more content on
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Business owners resort to kiting due to poor cash flow. They inflate their checking account balance
with nonexistent funds to pay bills, such as their payroll, mortgage/rent, loan payments, and such.
The business owner may kite checks between their business account and personal account held at
different institutions. The business owner may own another company and kite checks between the
two business accounts. It may be extremely difficult to spot a business account–kiting scheme due to
the volume of checks deposited daily. Nevertheless, tellers should be alert to the possibility that a
business member could be engaged in a kiting scheme when processing the check deposits. To
address the risk associated with business account kiting schemes, credit unions should perform a
risk assessment by evaluating the business member's creditworthiness before approving a checking
account. The idea is to offer checking accounts to business members who are least likely to abuse
the account, which could result in large losses to the credit

Credit Risk : It Is Primarily The Loss
Credit risk: It is primarily the loss which the company faces when the debtor of the counterparty
fails to perform under the contractual obligations (Allan et al., 2015). This exposure results from the
financial assets including trade & non trade debt receivables, finance lease receivables. The
maximum exposure amount is usually the carrying amount of the assets. The risk is considered to be
significant in the next year as the company has a huge assets base in the various countries in which
it operates as highlighted in figure 2 in Appendix 1. The risk of default cannot be minimized despite
the fact that there are certain mitigating actions taken by the business.
The concentration of the credit risk is managed through transactions with ... Show more content on
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The liquidity risk for the company is not expected to be significant for the next year as it has got
more than sufficient current assets to cover its short term debts as and when they fall due.
In order to mitigate this risk, the business holds stand by facilities and various funding arrangements
in place while also maintaining instruments which can be traded in highly liquid markets.
Additionally, the exposure is reviewed on a monthly basis through listing of banking facilities,
explanation of variances, and the funding positions of oversees entities (Harvey Norman Holding
Limited, 2015).
The risk management approach of the company is proactive and focuses on identification and
effective management of risk through the assistance of the risk management committee of the board
with the purpose of creating long term shareholder value. Risk specific management activities are
carried out in core areas including operational risk, strategic risk, and reporting and compliance risk.
Besides, the board oversees and approves risk management strategies and policies, internal
compliance and internal control (Harvey Norman Holding Limited, 2015).
The company also fulfils the ASX principle 7 – recognize and manage risk recommendations (Allan
et

Analysing Ethical Issues of National Kidney Foundation
Case Ethical Analysis:
National Kidney Foundation of Singapore (A) – Anatomy of a Crisis
Wee Beng Geok and Yvonne Chong
Overview
When the National Kidney Foundation (NKF) of Singapore came under the scrutiny of the nation
back in the July of 2005, it was evident that there was going to be major changes in the local social
welfare scene.
As a non–profit charitable organisation, the main aim of NKF was not only to look after the needs of
its patients but encompassed drawing resources from society and moving towards changing and
improving society as a whole.
In this report, we focus on the issues that the top management faced and how this entire saga has
affected not only NKF but also its numerous internal and external stakeholders. ... Show more
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NKF's management might seem to not have taken donors' opinions into consideration and hence
portrayed the image of mismanaging donations. However, it would be unfair to not point out how
not all stakeholders are equal and each is entitled to different considerations. Expectations differ
across stakeholders and decisions made would more often than not lead to a conflict of interest but
following the principle of utilitarianism, it is up to the discretion of the organisation to balance their
decisions and decide how best to appease the majority. An example would be NKF's dilemma of
whether to disclose the salary of the CEO; not doing so would result in accusations of not being
transparent while disclosing it might lead to criticism of charity leaders being too highly paid. The
interests of the CEO and the donors are at conflict.
Alternative Theoretical Perspectives
Having received the National Youth Excellence Award in 1976 and practiced as a lawyer for 6
years2, Durai could be seen as a leader with strong self–efficacy and self–esteem. He valued new
challenges more than conformity and challenged society's perspective of managing a charity. His
refreshing approaches to branding and fund raising led to staff costs incurred by the many fund
raising activities to be higher than that of staff cost for dialysis treatment, which was not on the same
page as what external stakeholders (donors and society) would expect from a charity.

A Personal Analysis Of The Campaign For The Election Campaign
Acharya 2 Rabin Acharya Professor Shery Sharifian Govt 2306 29 October 2017 The Campaign The
cost to run for the office varies according to candidate.
The money spend on various election campaign in Texas was different from candidate to candidate
Chris Essig March 1 2017). Roy Owens spend $61.52 per vote whereas Robert Burns did not any
penny but got 3,549,442 votes in the election. Also, there were a lot of representatives who had not
spent any amount of money but got number of votes. In this way we can see that the number of vote
cannot be determined by the amount of money one spends during election. But, as a new comer I
need to do some spending for my election campaign. Also, the cost per vote for me is going to be
quite expensive. ... Show more content on Helpwriting.net ...
My campaign slogan is" full of self–employment, free from illiteracy". As I have already mentioned
about my platforms for the election in my previous SLO, my slogan basically focuses on self–
employment and education. My goal is to establish a community, which is totally free from illiteracy
and where every individual have employment opportunities. Giving more priority on self–owned
business will do this. Especially I will give more focus on agriculture–based industry, which is eco–
friendly too. Also by minimizing the fees of the tuition and increasing the quota for the scholarships
in various fields will help to increase the number of students in colleges. I have attached the design
of my campaign slogan along with this assignment.
I will search for local newspaper, which is popular among many of the people in Texas for the
publicity. I would also like to attend several radio shows and interview in order to express my
thoughts to the people. Apart from these I would like to see the local singers from the community, so
that they could help me in promoting my election campaign. This is because various forms of
communication like radio and newspapers help me to link directly with the people. And if the
celebrities whom people love starts to support me, the one following these stars somehow starts to
like me. In this way my plan will support me to get more votes. If I will be able to do these, I think I
would get sufficient number of

Essay On Eliminating Non-Degree Credit Courses
Eliminating Non–degree Credit Courses Eliminating personal gain courses such as sculpting and
tennis that don't count toward degrees would be beneficial to your institution. Several factors led to
this recommendation, the first being funding. A breakdown of current and future funding will be
explored along with ways to utilize funds to effectively serve the students, as intended, and the
community. Federal budget cuts are the biggest concern for future planning and continuing to fund
non–degree courses would not be the best use of your limited resources.
Not only is it common for students to take "extracurricular" courses, but community college
students nationwide are known to continuously fail their regular subject courses as well due ... Show
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Without adequate preparation from high schools, colleges would need to appropriate money to
services that alleviate these setbacks.
Next, one of the criterion for accreditation with the Higher Learning Commission of Northcentral
Association of Colleges and Schools is that the institution must provide continuous resources,
structures, and processes that are sufficient to fulfill its mission. This includes the quality of its
educational offerings and ability to respond to future challenges and opportunities.
The college mission statement determines the institutions direction and organization to remind them
why they exist and what makes them successful. Moreover, college mission statements must be
clear and created with public input, it guides the institutions operations (Merren, p.16). For example,
the mission of Spokane Falls Community College is to meet the needs of their community by
advancing student achievement through quality, accessible learning opportunities. Mesa Community
College is committed to excel in teaching, learning, and empowering students to succeed.
The main focus, or mission, of most community colleges is to provide quality education to promote
success and readiness for the world around them including the next steps to universities.
Extracurricular activities, though add to social and artistic well–being, do not

Light House Christian Ministries Case Study
Light House Christian Ministries The Light House Christian Ministries is a Christ–centered non–
profit ministry. They serve all their neighbors in need by providing educational services, food
services, resale shop, benevolence ministries and medical ministries. Lighthouse Christian
Ministries is a non–denominational Christian Outreach dedicated to assisting their neighbors in
need. They are dedicated to serving each individual with respect and love, through Christ. The Light
House uses the resale shop to fund the overhead expenses of the ministry. It also receives
contributions from individuals, churches, and private grants to fund the programs and services
offered to the community. We will identify how the Light House views, and address the ... Show
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The Light House Christian Ministries views and address the social dysfunction of its population by
providing services to struggling families in need. The two areas that the Light House can improve
their ministries to the community is by expanding the food pantry, and by expanding the educational
services. The Light Houses uses the structural functionalist perspective to address poverty, hunger
and health concerns by using methods and strategies to provide services in the community to meet
the people most basic needs. I believe we need more organizations like the Light House to help
serve the community and provide them with the skills and opportunities to become self–sufficient.
When people become self–sufficient they feel a sense of self pride and accomplishment which
encourages them to give the same encouragement and support they received. Hopefully this cycle
will continue till everyone become self–sufficient and organizations like the Light House is no
longer

Common Mistakes Of Filipino Seafarers
which pushes him to go for sailing again. As a result, essential time is lost when a lot of contribution
can be made to his savings. By the time he realizes about the amount of money needed, he already
has a family and several expenses to shoulder (Marine Insight, 2017).
Common Mistakes of Seafarers
Times are changing and so are shipowners and requirements of seafarers. Just because their salaries
have not increased in real terms does not mean that the cost of living on shore has not increased. In
fact, the cost of living, medical expenses and also the life aspirations on shore have gone up
substantially. Unless they plan our finances wisely and realistically we could be in for a serious
shock in our later lives. Seafarers often do not plan for their own medical ... Show more content on
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Maritime industry creates good impact on Philippines economy thru the help of Filipino modern
heroes also known as Overseas Filipino Workers (OFW). Filipino seafarers are competitive among
others due on reliable and hardworking personality. Despite of that, maritime industry provides a lot
of challenges on each individual which is part of the industry and it is entitled as one of the most
critical jobs around the world. This study focusses on the challenges may encountered of Filipino
seafarers on board in order to propose work–life balance. With intent to help Filipino seafarers to
improve their way on how they handle daily life on and off the vessel. The researchers used
descriptive study to provide naturally occurring health status, behavior, attitude, or other
characteristic of particular group. Utilizing the data gathered obtained from 80 seafarers from
Magsaysay Training Center with the used of primary data gathering tool which is a researcher made
instrument. Findings reveal that majority of Filipino seafarers are preferred male

The Importance Of Education In California
California, for its size and population, is not very sustainable. It is physically unsustainable with the
attacks of mother nature and economically unsustainable due to sheer population. One of the most
unsustainable elements of California is its education system. Schools in California receive very little
funding, poor student performance, and suffer from massive cuts across the board. With over 6.2
million students in California schools, the golden state is responsible for educating about 13% of
America's children. Even though California spends a large chunk of its budget on k–12 education,
over 20%, it still ranks low in its per–pupil spending. California students represent some of the
poorest and least college ready for in the nation with

Improving Partnerships with Big Companies to Help the ARC...
Additional leadership changes at ARC, legislated by Congress include proposals to limit the board's
focus exclusively on governance and strategic oversight and also to set up a new Office of the
Ombudsman to provide additional oversight and annual reports to Congress on how well the ARC is
operating (Epstein, 2013). Leaders at ARC need to find and develop ways for improving, along with
encouraging organization members to build an ethically sound environment (Leader to Leader,
2008). From my point of view, as an independent ombudsman who represents the ARC to Congress
I would need to clarify, and revise the ARC's internal policies regarding fund raising related to
specific disasters. Internally, I would look to create an information ... Show more content on
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Without providing sufficient access to information about checks and balances in decision making
processes, the organization can easily fall from an environment of trust to one of cynicism ( Leader
to Leader, 2008, p. 37). Another important area where the independent ombudsman who represents
the ARC to Congress should focus is on people who are volunteering for different events. In my
opinion a background check it would be necessary to avoid the past issues regarding thefts or
missing items that were designated for individuals in need. In the 2007, National Nonprofit Ethics
Survey, showed that more than half of employees had noticed at least one act of misconduct in the
previous year. Close to 40 % of nonprofit employees who observed an unethical behavior have
failed to report it, simply because they were convinced that reporting would not lead to corrective
action or they were afraid of retaliation from management or colleagues ( Rhode & Packel 2009).
Clark ( 2012) suggested that "Implementing a new culture, organizational structure, or strategic plan
requires leaders to engage and empower their staff to take ownership of the process (p. 35)."
Improving the corporate partnerships with big companies would be in my opinion another step that
would help ARC to raise donations and to stimulate people that are willing

Asthma Foundation Of Americ A Case Study
I am the manager of the Asthma Foundation of America. The organization is a non–profit company
established in 2011 and located in Atlanta, Georgia. The main goal of the organization is to provide
educational programs for asthma patients, healthcare providers, and communities affected by this
chronic disease. The organization will also help to raise funds for asthma facilities throughout the
state and invest grant awards to researchers to enhance the overall prevention and control of asthma
disease. This will help to improve further treatment to manage this disease and assist with
groundbreaking research for cures. However, the organization has expanded nationwide to make
sure all people over the United States get assistance primarily over asthma disease and live sufficient
life. ... Show more content on Helpwriting.net ...
Additionally, I have decided to expand and improve the organization's reputation and name by
offering online and on–site educational programs, and create new research programs for further
investigations to find a cure for this disease. Being in a managerial position, I should say that it
requires more of responsibilities and duties of the whole association itself rather than just focusing
on one side because it's dealing with multiple locations throughout the states and its development
organization.
As for being a manager, I am faced with following responsibilities, which I have to perform in
regards of my ability and proper understanding of my duties. First, recruiter: as of a manager, I am
responsible for hiring great staff members. My responsibilities also include marketing or advertising
organization's vacancy, scheduling employees, and interviewing new applicants. Additionally, as of
manager, it is very important to ensure staff provided adequate training to new hire

Case Study: SOLA Contract
RECITALS: WHEREAS, SOLA licenses the rights to operate within individual studio spaces within
certain premises leased (the "Master Lease") from Alisola Ventures, LLC (or any or its successors or
assigns) ("Master Landlord") in a space commonly known as Sola Salon Studios at 655 West Arrow
Highway San Dimas, CA 91773 (the "Leased Premises"). WHEREAS, Licensee is duly licensed by
the State of California Board of Barbering and Cosmetology to perform beauty care services to the
public. WHEREAS, SOLA desires to grant Licensee a limited, revocable license to use a studio
within the Leased Premises. NOW, THEREFORE, in consideration of the above and the mutual
consideration as set forth herein, the parties hereby agree as follows: AGREEMENT 1. License.
SOLA hereby licenses the Studio to Licensee for the term under the terms and conditions of this
Agreement, together with the non–exclusive rights to use all common areas. 2. Fees. Licensee
agrees to pay the Licensee Fees. Licensee shall pay to SOLA the License Fee due for the Studio on
or before the close of ... Show more content on Helpwriting.net ...
Use. Licensee shall use the Studio for the Permitted Use only, to be performed personally by
Licensee only, and in compliance with this Agreement and applicable law. Licensee shall not create
or permit from within the Studio a nuisance to others within the Studio. The relationship of SOLA
and Licensee is that of Licensor and Licensee. Licensee is neither an employee nor agent of SOLA.
Licensee shall have full control over the performance of the Permitted Use as provided above,
including operating hours. 4. Deposit. Upon execution of this Agreement, Licensee shall pay to Sola
the Deposit as security for Licensee's performance of Licensee's obligations hereunder. If Licensee
fails to pay License Fees or otherwise defaults with respect to any provision of this Agreement,
SOLA may use, apply or retain all or any portion of the Deposit for the payment of any License Fees
or

Reflective Essay On The Declaration Of Independence
Five score years ago, a great American, in whose symbolic shadow we stand signed the
Emancipation Proclamation. This momentous decree came as a great beacon light of hope to
millions of Negro slaves who had been seared in the flames of withering injustice. It came as a
joyous daybreak to end the long night of captivity. But one hundred years later, we must face the
tragic fact that the Negro is still not free. One hundred years later, the life of the Negro is still sadly
crippled by the manacles of segregation and the chains of discrimination. One hundred years later,
the Negro lives on a lonely island of poverty in the midst of a vast ocean of material prosperity. One
hundred years later, the Negro is still languishing in the corners of American society and finds
himself an exile in his own land. So we have come here today to dramatize an appalling condition.
In a sense we have come to our nation's capital to cash a check. When the architects of our republic
wrote the magnificent words of the Constitution and the declaration of Independence, they were
signing a promissory note to which every American was to fall heir. This note was a promise that all
men would be guaranteed the inalienable rights of life, liberty, and the pursuit of happiness. It is
obvious today that America has defaulted on this promissory note insofar as her citizens of color are
concerned. Instead of honoring this sacred obligation, America has given the Negro people a bad
check which has come

John Kiter Argumentative Essay
John Kiter is in a bind. He owes his landlord $200 and has two checking accounts – one at Credit
Union A and one at Credit Union B – with only $5 in each. John decides to try his hand at check
kiting. Since his credit unions do not have effective check hold policies, he is able maintain his kite
after paying his landlord the $200. Here is how he did it: Day Credit Union A Credit Union B MON
Step 1 – John writes a check for $200 to his landlord against this account, and then worries about
overdrawing it. TUE Step 2 – John writes a $200 check against this account to cover the check
written against his Credit Union A account on Monday. Step 3 – He deposits the $200 check from
Credit Union B into this account. Meanwhile...Monday's $200 check written

Finance Systems for Higher Education
Higher education from United States is the best in the world, since it has a good quality. Tulip said,
"United States colleges and universities offer more choice, their graduates receive greater wage
premiums, and they attract more than twice as many foreign students as any other country."
Actually, people can see a large difference in wages between people who go to colleges and people
who do not go to colleges. People still go to colleges even if many students need to finance their
education. Within a good quality in higher education, then more and more international students are
studying in the United States. In order to maintain education quality, finance system is significant. It
shows how to balance equity and equality in education. ... Show more content on Helpwriting.net ...
Since public expenditure is huge, colleges will function better within sufficient funds. Increased
amount from tuition will help colleges to provide better quality of education. Moreover, the other
two are local taxes of $8.9 billion and ARRA funds of $2.8 billion. These two account for 6% and
2% in all financial resources, respectively. As we mentioned earlier, ARRA is organized to provide
funds to public schools in a recession time. According to SHEA report, author wrote about that
ARRA funds for public colleges and universities can mitigate tuition increases and layoffs.
And one thing needs to be mentioned is that "Very few public institutions have significant non‐
restricted revenue from gifts and endowments to support instruction." Public colleges are largely
different from private colleges, so they do not receive private endowments from rich people and
their alumni. The most important and largest funding is from government. Next, we will explore
how government funding should be distributed. First of all, we need to explore how government
funding comes from. According to SHEA report, state and local government funding for public
colleges and universities comes from the following aspects. These are appropriations from state tax
revenue, Non‐tax appropriations, mostly from state lotteries, Local appropriations, State‐funded
endowment earnings, Oil and mineral extraction fees or other

The U.s. Economy Operates On A Fundamentally Capitalistic...
The U.S. economy operates on a fundamentally capitalistic reward–based principle: people work,
are compensated –– ideally proportionately –– for their work, and use that compensation however
they see fit to better their own lives and the lives of those they love. Many people, in their youth, are
encouraged to build up a "nest egg" of sorts for use when they grow old and are no longer capable of
working as much as necessary to maintain an "acceptable" quality of life. However, this
methodology raises an important question: what about people who, through no fault of their own,
just aren't capable of providing for themselves? It would seem absolutely inhumane to leave them in
the dust.
When President Franklin Roosevelt signed the Social ... Show more content on Helpwriting.net ...
It is one of the government's biggest programs, composing an estimated one–fourth of government
spending and 57 million people collecting benefits in June 2015 [5]. It is considered a "pay–as–you–
go" system where "the payroll taxes paid by current workers are used to fund the benefits of current
Social Security recipients" [6]. Specifically, a worker's earning as subjected to a tax up to a
maximum amount, and the tax is split between the worker and the employer. This tax is
implemented via the Federal Insurance Contributions Act (FICA) and accounts for 96 percent of
Social Security's revenue, with the remaining four percent coming from taxes on benefits paid out
[4]. As of 2016, the current FICA tax rate is 12.4% total (between employee and employer) on a
maximum of up to $118,500 in wages [4].
Historically, Social Security has been able to run a surplus; more funds were brought in via FICA
taxes than was paid out as benefits [6]. However, since 2010, the program has been instead running
a deficit ranging between $45 and $73 million between 2010 and 2014 [6,7]. So far this has been
okay; in the years when Social Security ran a surplus, the excess money was saved into the Social
Security Trust Funds: the overhead term for the OASI and DI Trust Funds, financial accounts
managed by the Department of Treasury. The trust funds

Analysis Of Loyola University Chicago 's Mission Statement
Loyola University Chicago has various opportunities that help engage students in different activities
that can help them raise awareness of the outside world environment. Loyola's mission statement
states that "We are Chicago 's Jesuit Catholic university– a diverse community seeking God in all
things and working to expand knowledge in the service of humanity through learning, justice, and
faith." Under this statement, students are reminded of engaging themselves with the community and
provide service that can help the community and demonstrate God's faith over all purposes. Through
the commitment of "learning, justice, and faith", as a student, I am inspired to do more as a person
for the community. As an international student, I am very grateful of being able to participate in the
Engaged Learning Community of ISOM (Information Systems Operations Management), and earn
more knowledge and awareness of the case study provided in class.
Our Engaged Learning Community group was given the opportunity to participate with The
Catholic Charity of Chicago, a group committed to help the less fortunate and the people with need
of income. In accordance to Loyola's mission, Catholic Charities helps the community regardless the
background people seeking for assistance may come from. They are willing to provide assistance
through funds, referrals, case managements, emergency shelter, clothing, food pantry, information
on government benefit screening, basic needs, and social services.

An Overview About Financing Firms
An Overview about Financing Firms
Introduction
This essay aims to explain why some firms issue marketable debt and why some issue non–
marketable debt and who is more likely to issue one type of debt rather than the other one.
I will start defining the debt and, then, distinguishing it between marketable and non–marketable.
Then I will make an overview about the previous literature, which has analysed the different ways in
which companies can finance themselves and which way is more suitable for different types of
firms.
Debt – How to Finance a Firm?
Firms to carry out their business needs to finance themselves to raise the necessary financial
resources.
A company can finance itself in two different ways: using its own money with methods of internal
finance or raising funds from external players/investors through, indeed, external finance.
The two typical instruments of external finance resources that a firm can employ to raise future cash
flows are the debt claims and the equity claims.
An equity is, basically, a part of the stock of a company, which external investors buy becoming
shareholders of the company and receiving annual dividends, if the company at the end of the fiscal
year has reached a sufficient amount of profit.
A debt, instead, is in general an amount of money borrowed from one party to another. A debt
instrument gives to the borrower a claim towards a person, a company or whoever is the lender,
under some conditions, such as the interest rate and the date

Privatization, the Best Option for Social Security Reform...
Many are skeptical about the future of Social Security and are worried they will not receive the full
pay out of benefits in the future. In the following pages I will state the reasons why Social Security
is in need of reform, describe privatization and the pros and cons, and why privatization is the best
option for Social Security reform. Current problems with the Social Security fund exist, and are the
reasons why Social Security is in the need of reform. According to Forbes Magazine, the fund is
expected to run out by 2033 (Teal 2013). At this point, money will still be coming in, but will not
pay out the full benefits to recipients. The worker to retiree ratio is continuously declining, being
approximately three workers to every ... Show more content on Helpwriting.net ...
This started the idea of having ownership over a private account that was personally controlled.
Account holders were directly receiving the money they invested in Social Security, and have the
option to spend the money as they see fit. Many pros and cons arise with this option of Social
Security reform. With other options the government takes the risk, but with privatization it is a
personal risk. When account holders reach retirement they are able to withdraw from the account
and use the money as they see fit. Government does not control the amount or what the account
holders use the money for, leaving recipients with the choice to spend as much of the money as they
wish and as quickly as they want. With no control over the usage of savings, this defeats the purpose
of Social Security as a "safety net". The biggest downfall to this reform is the transition period. Not
only would the transition be a high cost, but those that are closest to retirement could be left with
smaller savings in their private account. If young workers create private accounts then they are not
supporting current retirees, and they are not receiving what they should be (Mitchell 2011). Another
concern is that not all recipients will end up with a fair amount of earnings in their account. Such

The Scope Of Federal Safety Net
1. Arguments for TBTF
I. The Scope of Federal Safety Net
According to Randall 'too big to fail,' (TBTF) policy is legal reorganization of the fragile bank so
that uninsured creditors and Federal Deposit Insurance Corporation could be saved from suffering a
loss. In addition, Randall argues it is necessary to extend the TBTF policy to all depositors and
creditors of larger banks to avoid the situation of a failure of such banks will lead to failure of other
banks. Randall argues that the federal safety net should be limited only to banking institutions and
should not enlarge to non–banking institutions. For the reason that in case of failure of such large
non–banks and banks, government will have to use taxpayer funds to absorb such ... Show more
Randall submits that building firewalls and Chinese walls will abolish the synergies between
financial and non–financial institutions. In addition, Randall also points out that government should
restrict the areas where synergies is not required to cancel out by building Chinese walls and where
the risk is acceptable rather than stop supporting creditors of fragile banks. Randall suggests that
there should be barrier for non–banks to enter into banking sector in order to avoid the enlargement
of safety net (Randall, 63–74).
II. Restrict Banks to increase scope
Morrison suggests that government should try to make regulations that can make TBTF policy
effective rather than, try to end the policy, which is impossible. Morrison discusses the role of the
policy in designing suitable capital regulations, in the restriction of bank scope and in institutional
design. The author argues that financial institutions receive help from taxpayers and government
because regulatory authorities believe that its failure would have severe effects on the country's
economy.
Besides, Morrison submits that implication of TBTF policy has many adverse effects. First, TBTF
policy reduce risk sensitivity of bank financing as banks are aware that they will not bear the cost of
their failure, and government will help them financially. Therefore, banks will take high risks.
Second, the awareness of banks that TBTF status will yield

Finn Schools Case Study
Legal requirements and restrictions Finnish Schools Internationals must follow in entering a new
market, Canada.
All institutions are strictly required to register with Ministry of Education in Canada and submit
their statistical reports yearly. According to the Policy and Procedure Manual for the Private Schools
in Canada, the NOI, Notice of Intention to Operate a Private school assigns the Canadian Ministry's
prerequisite regarding the attributes of the private institutions in Canada. They gather data and
statistics which includes the name of the institution head, the address, hours of instruction and
estimated student's enrollment. The manual also states that all private schools are obligated to
submit this form by the 1st of September ... Show more content on Helpwriting.net ...
With a bank draft, when a person requests one, they must immediately transfer the forms from their
normal account to cover the amount of the check. As an institution receiving the draft, the most
important factor is to speak to the local bank or financial institution about the currencies in which
the Finnish Schools International in Montreal can obtain a bank draft and the countries to which the
institution can send it to in case of refunds to the parents. The only con to bank drafts is the slow
arrival of funds. For the institution to receive money a lot quicker, there are many transfer services
which allows to make bank transfers which can be received by the Finnish Schools International's
bank account in Canada. The name of a few of the transfer services are HiFx, World Remit, Transfer
Wise, World First, and QFX.
According to the Canada Revenue Agency website, the parents making the investment in Canadian
private schools should be aware of the family tax benefits that are available to through the federal
and provincial government.
Federal Tax Benefits:
Canada Child Tax Benefit– Tax– free monthly payments may be supplemented by provincial or
territorial child benefit payments and may be enhanced by the Canada Child Benefit for families
with children guaranteeing continued support. This benefit is not automatic and must be applied for.
At the Finnish Schools in Canada, we will ensure that we solely emphasize on well–qualified
teachers and

Factors Affecting The Financial Crisis
1. Introduction Financial crisis is often related to a situation that the value of financial asset(s) or
financial institution(s) drops rapidly. Financial crisis is not likely to occur suddenly. It must be a
process from creating the bubble till the bubble bursting. As many factors can be attributed to
financial turmoil, usually there are several reasons for a financial crisis. It may seem that nothing
going wrong when various factors are simmering. Thus, when the bubbles burst, everything comes
together rapidly with great impact. When the bubble in American sub–prime mortgage lending and
mortgage backed securities (MBSs) burst, no one knew it would lead to such a pervasive global
financial crisis. Those toxic assets such as ... Show more content on Helpwriting.net ...
When many subprime mortgage holders found themselves not able to pay back the mortgage,
lenders took their houses and released them in the market and thus the housing price dropped. The
leading credit crisis deteriorated the economy of the United States. As long as the U.S. government
made efforts to spread out the adverse impact brought by the credit crisis to revive its economy, the
global market started to suffer in different levels. The close interconnection within the international
market eventually spread the financial crisis out across markets. The global market has suffered an
unprecedented financial depression. The more the market is open, the greater loss the market is
suffering.
Modernized convenient platforms for financial instrument trading are one of the great contributors.
In general, there are two types of "places" for financial instrument trading. One is trading on an
exchange and another is trading over the counter (OTC). When trading in an exchange, certain rules
and regulations are implemented in order to facilitate the trading process and to protect the interests
of all the involved parties in the trading. When the buyer and the seller reach agreement which the
bid and the ask price are equal, the transaction will be executed and the agreed price will be
communicated throughout the market. Once two parties agree at a matching price, the trade can be
executed no

Deforestation Is The Permanent Removal
"More than 80% of Earth's natural forests have already been destroyed at the rate of 20,000 hectares
per day" according to the World Resources Institute (WRI). Despite our dependence on forests for
our means of survival, from the provision of livelihoods for us human–beings, the prevention of soil
erosion, medicines derived from rainforest plants, to the air we breathe, we are still allowing them to
disappear at shockingly high rates through deforestation. High deforestation rates, primarily as a
result of the growing demand for agriculture, fuel use and production, fires, timber harvesting,
logging, and pasture and clearing for livestock animals due to the exponential growth in human
population, can be prevented through the requirement of ... Show more content on Helpwriting.net
...
Significant increases in greenhouse gas emissions contribute to large–scale, rising temperatures,
changed weather patterns, and an escalated frequency of severe weather events contributing to
issues such as global warming and biodiversity loss as a result of the decreasing availability of
adequate food and water and altered habitats in these integrated ecosystems. Disruptions of water
cycles such as changes in precipitation and river flow are considerably impacted when deforestation
or forest degradation occurs, resulting in the throwing off of the balance between water on land and
in the atmosphere that trees help maintain. Other negative impacts of deforestation or forest
degradation comprises of increased soil erosion, disrupted livelihoods, and a simultaneously high
loss in biodiversity species. Deforestation often results in the extinction of numerous, unique species
struggling to survive in geographic locations all over the world. "About 80% of the world's
documented species can be found in tropical rainforests–some of the forests most vulnerable to
deforestation." (WWF). Agricultural expansion, wood extraction, and infrastructure expansion
through processes such as urbanization and road building work together simultaneously to cause
deforestation. Primarily for the need of subsistence, one of the most significant causes of

Telltale Check Signs
Below are several telltale signs that a check may be counterfeited. The financial institution address
listed on the front of the check should correspond to the Federal Reserve District for that institution.
The first two numbers of the routing number in the MICR line indicates the Federal Reserve District
where the institution is located. For example, the Federal Reserve District number in the routing
number is 01 (Boston) but the financial institution address listed on the front of the check is San
Francisco. This unreasonable relationship should raise suspicions that the item may be counterfeit.
Some counterfeiters use a routing number in the MICR line that belongs to a different financial
institution than the one listed on the front of the check. Using this tactic, counterfeiters often use a
routing number in the MICR line that belongs to a financial institution located in a distant Federal
Reserve District. This causes the check to be misrouted to an incorrect paying financial institution.
... Show more content on Helpwriting.net ...
An incorrect relationship between the fractional routing number and the routing number in the
MICR line is indicative of a counterfeit check. The fractional routing number bears a direct
relationship with the routing number in the MICR line. For example, if the fractional routing
number of a given check is xx–yyyy/zzzz, then the following should be true: 1. xx in the numerator
represents the region where the paying financial institution is located. 2. yyyy in the numerator is the
Institution Identifier and should match the fifth through eighth digits of the routing number in the
MICR line. 3. zzzz in the denominator should match the first four digits of the routing number in the
MICR line. Leading zeroes in the MICR line are dropped for the fractional routing number. The
check number in the MICR line should match the check number in the upper right hand corner of
the

Capital Budgeting Decision : An Argument
These decisions involve commitment of huge funds that too for a longer period which also changes
the risk complexion of business. This decision, if undertaken judiciously, helps in providing the
benefits of maximization of wealth not only for the concerned organization and industry but also for
the economy as a whole. On the other hand, if this decision is not given its due importance, it will
ultimately lead to the decline and demise of even a growing prosperous organization. Capital
budgeting decision is considered to be the most important and crucial decision among the four
decisions mentioned above because it, to a great extent, influences the survival, growth and value of
a business enterprise. In the words of Porwal (1976), "Capital budgeting is one of the important
vehicles to achieve objectives of a business concern". Van Horne (1994) provides an argument
according to which capital budgeting decision is the most important of the three decisions when it
comes to the creation of value. It is considered under inorganic growth of an organization. Organic
growth is brought about by daily investments in the business in terms of financial resources, hard
work, careful investigations of quality, proper planning, serious team work, research and
development, acquisition of technical knowhow etc. Inorganic growth in terms of acquisitions of
new business may lead to quick growth without investments in any of the items mentioned above
apart from financial resources. Capital

Essay On Foreign Exchange In China
The required financing for a business venture in china can be challenging. A specialist should be
hired who appreciates the Chinese perspective and has expertise in Chinese language of the banking
community. The exchange control policy is managed of China is managed by The State
Administration of Foreign Exchange (SAFE). Permission is given to designated state and approved
foreign banks to partake in in foreign exchange business. The official and swap exchange rates were
unified in January 1994, by the implementation of a new foreign exchange management system.
Restrictions applied to foreign–invested enterprises (FIEs) under the old system. Foreign exchange
must now be obtained from designated foreign exchange banks. July 1996 additional ... Show more
Capital that is required to be allocated at the beginning of the business startup process is registered
capital. An approved government agent must audit and register registered capital. Funds are not
contributed to the registered capital process until the registration process is complete. Cash in non–
Chinese currency is one of the most common forms of registered capital. Contribution to hard assets
into the business can satisfy the registered capital obligation. The scope of non–cash investment has
several limitations. Non–cash investment elements offer a resolution to reduce the need of currency.
A valuation process is a requirement to define the value of non–cash contributions. The amount of
allowable foreign debt is governed by the investment regulations of China. The amount of debt
procured with a Chinese bank is not legally established. Three years of profitable history must be
established in China as well as collateral which must be considered before a bank loan is received.
Most foreign start–ups in China cannot use local debt as a viable option. Debt financing is optimized
through foreign parent companies which supply loans. Total investment is an important metric
which must be understood to effectively manage the allowable foreign debt metric. "Total
Investment is equal to Registered

Public High School Essay
Another obstacle that public high schools face is their budget allocation. Many times schools are
either under funded by their district, which is mainly found in low income communities, or they just
do not manage their funds in a way that maximizes their efficiency. The latter of the two usually
occurs in schools that have a large focus on their athletics, campus construction, or unnecessary field
trips or extracurricular activities. This is where the situation gets tricky. There are many that see
sports and extracurricular activities as being vital to a student's experience and they argue that
participating in sports can help improve a person's ability to work together with others and to gain
many other social skills. Even though they are not wrong, there has to be a limit to the amount of
money and time schools spend on sports and other extracurricular activities. Again, the purpose of a
high school is to prepare students for college and the best way to do that is to focus their resources
on materials/people that will help them achieve that. So, for example, if a school wants to build a
new track, they should first try to see if that money could be used in a way that directly affects their
students' academics first (new books, technology, better quality teachers, etc.). Even though that
may seem to be an obvious thought process, many school districts out there don't consider that.
Districts still believe that, since athletics bring in more money and attention to their

Derivative Financial Instruments Employed For Risk Management
Derivative Financial Instruments Employed for Risk Management
Credit Risk
Derivatives may be traded either via an exchange (exchange traded) or alternatively, privately
negotiated contracts, which are generally alluded to as Over The Counter (OTC) derivatives.
Exchange traded and OTC–cleared derivative contracts have downgraded Macquarie's credit risk as
their counterparty is a clearing house, accountable for the handling of risk management for their
members to guarantee that the clearing house has sufficient resources to carry out its upcoming
obligations. Members are instructed to produce initial margins in agreement with the exchange rules
in the form of cash or securities, and further present daily variation margins in cash to cover
adjustments in values of the market. Macquarie has exchange traded derivatives with positive
replacement values as at 31 March 2016 of $1,794 million, whereas as at 31 March 2016 of $4,641
million.
For OTC derivative contracts, Macquarie commonly has master netting agreements (usually ISDA
Master Agreements) with specific counterparties to handle and control the credit risk associated. The
credit risk connected with positive replacement value contracts is condensed by master netting
arrangements that in an occurrence of default necessitates that balances with a certain counterparty
covered by the agreement (for example derivatives and cash margins) to be discontinued and settled
on a net basis. Macquarie frequently executes a Credit

Habitat For Humanity Analysis
Homelessness is an issue that plagues massive multitudes around the world. According to the U.S.
Department of Housing and Urban Development, a homeless person is "an individual who lacks a
fixed, regular, and adequate nighttime residence" ("What"). Billions fit this description. More than
100 million people around the world are left with no shelter whatsoever; 1.8 billion are stranded
without sufficient shelter (Montez). Unfortunately, global awareness of homelessness is often
suppressed by embarrassed individual governments and uninterested media outlets. However,
awareness and resolutions are surfacing due to the efforts of groups such as Habitat for Humanity.
Biblical scholar and founder of Koinonia Farm Clarence Jordan once stated: "Faith ... Show more
The correlation between unemployment and homelessness is indisputable; however, even those who
earn low incomes struggle in obtaining decent housing. The World Bank established the "extreme"
poverty line at incomes less than $1.25 per day in 2008; they found that 1.4 billion currently live in
conditions of extreme poverty worldwide (World). An estimated eighty percent of humanity survives
with incomes averaging less than ten dollars per day (World). The disparity between low–average
incomes across the world and money required to build a house is astonishing. The National
Association of Home Builders calculated the average price to build a single–family home in 2011:
$184,125 (Taylor). Calculating the amount of labor necessary to finance such a house serves as a
testimony to the burden faced by low–income individuals. Consider this hypothetical scenario: an
individual working 365 days a year with an income of ten dollars per day would spend fifty years
financing an average house (with no aide). Likewise, an individual earning $1.25 per day would
spend 403 years doing the same. The logistics are simply incomprehensible. Habitat for Humanity
addresses the disparity between house payments and low incomes in many diverse ways. The price
of labor associated with Habitat for Humanity is nearly free–– volunteers (including prospect
homeowners) contribute to the construction of homes.

Bank Accounting Essay
gaining importance that most of the bank's income is earned from its non–core activities which are
treasury operations, corporate services and so on. So we try to assess the quality of income in terms
of income generated by core income activities like income from lending, advances etc.
The factors considered by the supervisory and regulatory authorities to assess the quality of assets
are
To evaluate the undistributed profits and reserves, retained earnings, profits, and their authentication
whether an adequate capital are generated through this channel or not.
To determine the quality sources of earnings and incomes, budgeting policies and Management
Information Systems (MIS).
Ratings Criteria for Earnings:–
A rating of A+ or 1 ... Show more content on Helpwriting.net ...
1.5.5 Liquidity Management: –As we all know that the liquidity ratio states the level or limit up to
which a bank is able of satisfying its respective liabilities. Banks generate money by mobilizing
short–term savings of the people converting into deposits at lower interest rate, and then lending
these funds in long–term loans at higher rates of interest, so it is quite risky for banks to mismatch
their lending interest rate. Liquidity is measured by the level of earnings, the fifth component of
CAMEL Framework is liquidity (stability of customer, whether loans and deposits are well matched
and overall liquidity position), and it is an important element for both good and bad banks. All banks
are highly concerned for their liquidity risk; i.e., the problem which arise due to the bank failure in
meeting its current financial obligations (e.g., depositors) because of inadequate current assets such
as cash and quickly cash type marketable securities, Specifically at the time of economic recession
and to avoid these type of problems every bank tries to analysis its liquidity position regularly and
make arrangements to avoid such problem..Laruccia and Revoltella (2000) found that banks with
low net loans to assets ratio (good liquidity position) tend to obtain better BFSRs assigned by
Moody's. Poon and Firth (2005) and Pasiouras et al. (2006)

Overview of George Barna, the Barna Group, and the Book,...
While the majority of Americans (almost 80%) identify themselves as Christians, religion in the
United States is characterized by both a large diversity of believers and variable attendance and
adherence levels (Eck, 2002). However, an August 2010 poll showed that almost 70% of Americans
believed that religion was losing influence in everyday life, yet most feel that is a negative thing
even though politicians continue to discuss religion while campaigning (Religion Losing, 2012). In
light of these statistics, many religious scholars have turned to more quantitative methods to
establish ways to both improve service attendance, solidify the financial health of churches, and
establish a faith–based understanding of current psychographic trends. One of the predominant ways
this is happening is through people like George Barna. George Barna is the founder of a market
research and analysis firm that specializes in the study of religious beliefs and behavior, The Barna
Group. He is a prolific writer, and has contributed greatly to the uncovering of socio–cultural issues
surrounding modern religious behavior. He has coined several new terms that combine religiosity
with marketing research; the Mosaic Generation, or those born between 1984 and 2002, comfortable
with contradiction and able to think in non–linear terms; spiritainment used to describe the blend of
spirituality and entertainment that influences people's spiritual perspectives, and theolographics,
how religious

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