Should Student Loan Debt Be Forgiven?

Most Americans would concur that advanced education is significant. Contrasted with years prior, when a secondary school training was worthy in many occupations, a higher education is presently required in most of positions. In any case, consider the possibility that you can’t bear to get a degree. What then?For many, understudy credits are the best way to fund one’s training. Paying cash based just isn’t a reality for most, so they depend on state and national government to give them the assets to go to class, purchase reading material, and even compensation for food and lodging. Leave all necessary signatures, and unexpectedly a sponsored or unsubsidized advance appears as a credit on your understudy account.Any overage is paid to you with a money order to cover odds and ends. This procedure gets rehashed each semester, for whatever length of time that you go to class. Everything appears to be simple and adequate †until you graduate (or don’t gradua te, whichever the case may be).The day you leave school, a six-month clock begins ticking toward your first installment. Hold up for a second, you mean school costs cash? Tragically, some aren’t ready to make sure about a position immediately that can permit them the monetary ability to begin making installment on their advances. It can take as long as two years for some school graduates to discover a job.In the interim, those advances are still due and payable. There are a wide range of opportunities for reimbursement: pay delicate plans, joblessness suspensions, graduated installments, and even absolution programs for specific occupations like medical caretakers, educators, and open servants.But shouldn't something be said about the remainder of the obligation holders? What befalls them on the off chance that they can’t make their installments? Understudy advance obligation today approaches $1 trillion dollars, as indicated by the Consumer Financial Protection Bureau . Significantly all the more terrifying, the Wall Street Journal reports about 40% of understudy advance holders are in default or have deferred their payments.Student advance obligation has now really outperformed all out Mastercard obligation in the US. There are various invitations to take action for potential answers for this issue. The principle issue I have with them is they don’t really produce into results HOW we got into this position, or how to maintain a strategic distance from it from happening again later on. As a component of his re-appointment offer, President Obama presented his answer, alluded to as the 10-10 arrangement. This arrangement permits graduates to just compensation 10% of their absolute pay as advance installments, and excuse anything that remains after 10 years.This plan requires a borrower to have a budgetary difficulty, and the installment sum, in view of 10% of salary, is rearranged yearly. As a rule, this absolution will add up to some place around 80% of the first credit sum. That appears to be a terribly steep punishment for the US to pay, basically in light of the fact that they think they can.These borrowers are presently, ideally, out in the work world creation a sensible pay so they are in reality prone to have the option to make installments. Absolution by then isn't generally fundamental. In a salary touchy reimbursement plan, the pace of the installment goes up, in light of the pay of a borrower expanding as well.Rather than excusing the rest of, cutting loan fees or bringing down the installment sum appear as though better arrangements in that they give help to battling borrowers, at the end of the day the obligation is repaid.There are others requiring a hard and fast bailout, like the AIG or GE bailout, intended to support the economy. The expectation is those with pardoned credits will return that cash to the economy, in any event for the time being. In any case, who’s to state that’s where th ey’ll put their cash? What befalls the following round of graduates? They’ll be graduating with a done without end that their credits will be excused as well.And why not? That’s what an arrangement like this would persuade. Mitchell Weiss, assistant teacher at the University of Hartford's Barney School of Business in Connecticut, accepts any sort of credit is eventually given on a kind of trust. â€Å"If I credit you some cash, I believe that you're going to take care of it to me,† he says. â€Å"Wholesale absolution, acquittal †anything you desire to call it †will on a very basic level sabotage a procedure that is altogether coordinated inside our general public. † Moreover, it doesn't generally take care of the issue, says Professor Weiss.A Facebook page began by an irate graduate school graduate without intends to reimburse his advances has started a request to help a one-time, no matter how you look at it advance absolution. Begun by Robert Applebaum, the gathering requires a monetary lift by excusing all extraordinary government loans.In the appeal, Applebaum says, â€Å"Forgiving the understudy credit obligation of all Americans will have a prompt stimulative impact on our economy†. â€Å"With the stroke of the president's pen, a large number of Americans would out of nowhere have hundreds, or now and again, a huge number of additional dollars in their pockets every single month to spend on feeble parts of the economy.†Basically, the effectively stressed government would be enduring the shot for billions of dollars, in light of the expectation that this cash would discover its way back to our nearby and national economy. The fundamental issue I see is you can't ensure this is the thing that will occur. It sets the entire Federal Loan framework up for breakdown. HR1330 is another bill as of late presented, which could give some truly necessary help to borrowers. Rather than a bailout, this sort of plan would permit intrigue free suspensions to borrowers who become jobless or who are joined up with the current 10-10 plan.Important to note is that it restricts the absolution stood to new borrowers. Yet, here once more, it’s a momentary answer for a drawn out issue. Individuals on the two sides, and some place in the center, by and large have solid feelings about the drawn out advantages or non-advantages of an arrangement like this. CNBC reports the issue with an arrangement like this is three-crease: â€Å"The misfortunes must be borne by somebody, likely the taxpayer†. Essentially, the cash to rescue school moves on from reimbursing their advances needs to originate from some place. It can likewise be known as a â€Å"moral hazard†, in that it rewards or certainly supports incautious behavior.Also, a one-time bailout of the current credit holders could emphatically urge future alumni to depend on the chance of another bailout later on. As a returning und ergrad with a heap of understudy credit obligation of my own, I see the issue from the borrower’s point of view. As a Business Management understudy, however, I likewise observe it through â€Å"Economic Eyes†. At the danger of sounding old and maternal, I think absolution just permits the issue to continue rehashing for my age, my children’s age, and those to come.In a similar mindset that I could never purchase my youngster a vehicle by and large, for dread they’d have no possession in it or regard for it, I basically don’t accept that rescuing borrowers is a decent arrangement either.I dread we show our kids that inasmuch as there are heaps of others in a similar problem, there is government alleviation accessible. The cost is at last paid as considerably progressively national obligation. Indeed, a monetary lift may be ideal for the time being, yet the drawn out impacts of that lift will be felt for quite a long time a short time later.

Hih Collapse Essay

HIH were placed into temporary liquidation which exposed there immense commitments. The corporate officials, inspectors and controllers of HIH neglected to see, cure or report what ought to have been self-evident. What's more, a portion of the individuals who were in or near the administration of the gathering disregarded or, more terrible, hid the genuine condition of the group’s consistently weakening money related position. 2. An enormous amount of general society were influenced by the breakdown as HIH was a monstrous insurance agency who might not have the option to pay numerous individuals out. Previous representatives of HIH now ended up without a vocation, and left numerous ventures, for example, working in unrest as individuals could no longer gracefully mandatory home guarantee protection. 3. I feel that the fundamental driver of the breakdown would be the concealing there misfortunes and composing bogus articulation to adjust the circumstance. An absence of tender loving care, an absence of responsibility for execution, and an absence of uprightness in the company’s inner procedures and frameworks. Consolidated, these highlights prompted a progression of business choices that were misguided and significantly more wretched. 4. A crucial piece of crafted by this Commission has been its thoughts on what's to come. Everything that should be possible ought to be done to limit the danger of a breakdown of the seriousness of the HIH disappointment happening once more. Proposals incorporate the guideline of back up plans, auxiliary change influencing the business, bookkeeping contemplations and the board and control of companies.

Why Annotated Bibliography?

Why Annotated Bibliography?An annotated bibliography is a means of giving the reader (or at least to yourself) a way to find the works that you wish to cite. Most students will have books on hand for reference. But since they are all scattered throughout their book bags, it's easy to forget which ones they're actually using. With an annotated bibliography, you'll be able to locate and use all of those works at once.A bibliography lists the author and title of each work, as well as the title of the work and the publisher. It also tells you if it is published or unpublished, what page number the entry is on, and whether it's categorized by subject or alphabetically. This will help you when you are preparing your thesis paper or research papers.There are many different types of annotated bibliography. Most people know that they must make use of the MLA format. But there are other types, such as bibliographies and computerized bibliographies. You can also specify format preferences for e ntries you are writing. For example, if you do not like reading footnotes, you can get one that uses numbered indexes instead.Some versions allow you to insert your own annotations. In this case, you need to create a page that contains a text box where you type in the notes that you want to include. Each entry is put into a separate field, so that you can type in the page number, the page title, and the name of the author of the entry, and then just hit the 'insert' button. The result is an annotated bibliography that is ready to print.When you have an annotated bibliography, you can use it for reference. It's helpful because you can turn to it when you are writing or when you are doing research, and you can even go back and lookup a particular author. You can add up all of the words used by an author, to see if they make sense, and then use the words when you write your own paper. You can also refer to the bibliography whenever you need to find specific quotations from the author.O ne more advantage of an annotated bibliography is that you can get bibliographies that are organized by subject. These are often referred to as bibliographies that are by topic. These, again, are great for compiling your data into a more comprehensive look at the many types of works you have on hand for reference.Many students use these bibliographies when they are writing their thesis papers. This is a good way to organize your research materials and keep them all together for easy reference. It can also serve as an example when it comes to formatting your bibliography. All the information and entries needed for the different paragraphs can be kept together for easy reference, and this is a good thing.An annotated bibliography is a good idea for students, teachers, and students of all kinds. It allows you to organize your papers for reference and to keep them organized for easy retrieval. If you're planning on using these for reference purposes, it would be a good idea to take the time to learn how to make one.

Doctor Of Nursing Practice Roles - 1434 Words

Doctor of Nursing Practice Roles against Workplace Violence in the Nursing Profession Introduction Workplace violence in nursing has become a serious problem that affects the nursing profession in many aspects (Murray, 2009). According to Skehan (2015), there were few studies or documentation about the perception or management of nurse leaders against workplace violence in nursing. Therefore, doctor of nursing practice (DNP) prepared nurses should become the experts in identifying, analyzing, and irradiating workplace violence within the nursing profession. The more complex and sophisticated the healthcare environment becomes, the more important DNP prepared nurses’ roles play (Zaccagnini White, 2014, p. 41). Current Problem, Target Population, and Target Setting The complex and advanced healthcare system further creates stressful environments for healthcare staffs, especially nurses. What is the definition of workplace violence? Occupational Safety and Health Administration (OSHA) (2002, para. 1) defined workplace violence as â€Å"violence or the threat of violence against workers†. Waschgler, Ruiz-Hernà  ndez, Llor-Esteben, Jimà ©nez-Barberoo (2013) proved the existence of nursing workplace violence in the findings of the development of the hospital Aggressive Behavior Scale. Workplace violence was divided into vertical violence and horizontal/lateral violence (Waschgler et al., 2013). Each category of violence was also divided into physical violence and nonphysical violence.Show MoreRelatedPros And Cons Of Doctor Of Nursing Practice997 Words   |  4 PagesPros and cons of Doctor of Nursing Practice Pros In the article written by Ford, (2009), the doctorate of nursing practice (DNP) has an important role to play in the current health care system which is constantly changing. As healthcare around the world is transforming, the Institute of Medicine (IOM) 2011 report mentioned that in the United States, Advanced practice nurses play a vital role in the rapid complex changes based on the full extent of their education and training. This article describesRead MoreBounadries in Nursing1732 Words   |  7 PagesundariesProfessional boundaries in Nursing This assignment a discussion about nursing boundaries issues which happened in my workplace. The founder of modern nursing has rightly quoted that ‘nursing is the care which puts the person in the best possible condition for nature to either restore or preserve health or to prevent or cure injury’. Nursing has its own entity and ethics which makes it a profession. 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What is the educational preparation for each and what role do they commonly have?   In order to be classified as an Advanced Practice Nurse, one must attain either a Masters or Doctoral degree in the field of clinical nursing. There are four types of Advanced Care Nurses: Clinical Nurse Specialist (CNS), Clinical Registered Nurse Anesthetist (CRNA), Nurse Practitioner (NP), and Certified Nurse-Midwife (CNM). Each niche of the Advanced Practice Nursing industry requires

The Great Gatsby by F. Scott Fitzgerald - 644 Words

â€Å"Daisy, Daisy, Daisy!† It is all Gatsby thinks about, doesn’t it get annoying? No, suck it up because the next 787 words are all about Daisy and her association with symbols, her use of symbols, and herself as a symbol. How’s that possible, she’s 100% human in The Great Gatsby, by F. Scott Fitzgerald? Don’t worry, the vacuous space upstairs will soon be filled. So, let’s dive in, like a dead â€Å"Gatsby† in a pool. Daisy and her association with symbols is... pointless to the structure of this essay. Nope, wrong again. Daisy is a centerpoint in The Great Gatsby, and the symbols she is seen with help prove the corpulent mass she holds giving her such impressive gravity. The first symbol that Daisy is seen with, or in rather, is the color white [representing false purity]. â€Å"She dressed in white, and had a little white roadster, and all day long the telephone rang in her house.† (Jordan Baker p75). This quotation shows how Daisy, even as a young girl, was surrounded by false purity, it can lead one to think that she was devious and mean from the very start. The next symbol is the green light at the end of the dock. Daisy seems surprised when Gatsby points out the disappearance of the green light; It is almost as if Daisy knows what the light represents and she is surprised that Gatsby no longer longs for her like he did before their meeting. The next symbol is a hat. â€Å"Daisy†™s face, tipped sideways beneath a three cornered lavender hat.† (Nick p122). Hats are used to cover onesShow MoreRelatedThe Great Gatsby by F. Scott Fitzgerald1393 Words   |  6 PagesF. Scott Fitzgerald was the model of the American image in the nineteen twenties. He had wealth, fame, a beautiful wife, and an adorable daughter; all seemed perfect. 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Scott Fitzgerald1155 Words   |  5 PagesThe Great Gatsby The Jazz Age was an era where everything and anything seemed possible. It started with the beginning of a new age with America coming out of World War I as the most powerful nation in the world (Novel reflections on, 2007). As a result, the nation soon faced a culture-shock of material prosperity during the 1920’s. Also known as the â€Å"roaring twenties†, it was a time where life consisted of prodigality and extravagant parties. Writing based on his personal experiences, author F. ScottRead MoreThe Great Gatsby By F. Scott Fitzgerald1166 Words   |  5 Pagesin the Haze F. Scott Fitzgerald lived in a time that was characterized by an unbelievable lack of substance. After the tragedy and horrors of WWI, people were focused on anything that they could that would distract from the emptiness that had swallowed them. Tangible greed tied with extreme materialism left many, by the end of this time period, disenchanted. The usage of the literary theories of both Biographical and Historical lenses provide a unique interpretation of the Great Gatsby centered aroundRead MoreThe Great Gatsby by F. Scott Fitzgerald845 Words   |  3 PagesIn F. Scott Fitzgerald’s novel, The Great Gatsby, colors represent a variety of symbols that relate back to the American Dream. The dream of being pure, innocent and perfect is frequently associated with the reality of corruption, violence, and affairs. Gatsby’s desire for achieving the American Dream is sought for through corruption (Schneider). The American Dream in the 1920s was perceived as a desire of w ealth and social standings. Social class is represented through the East Egg, the WestRead MoreThe Great Gatsby By F. Scott Fitzgerald Essay970 Words   |  4 Pagesrespecting and valuing Fitzgerald work in the twenty-first century? Fitzgerald had a hard time to profiting from his writing, but he was not successful after his first novel. 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Scott Fitzgerald1607 Words   |  7 Pages The Great Gatsby is an American novel written in 1925 by F. Scott Fitzgerald. One of the themes of the book is the American Dream. The American Dream is an idea in which Americans believe through hard work they can achieve success and prosperity in the free world. In F. Scott Fitzgerald s novel, The Great Gatsby, the American Dream leads to popularity, extreme jealousy and false happiness. Jay Gatsby’s recent fortune and wealthiness helped him earn a high social position and become one of the mostRead MoreThe Great Gatsby By F. Scott Fitzgerald1592 Words   |  7 PagesMcGowan English 11A, Period 4 9 January 2014 The Great Gatsby Individuals who approach life with an optimistic mindset generally have their goals established as their main priority. Driven by ambition, they are determined to fulfill their desires; without reluctance. These strong-minded individuals refuse to be influenced by negative reinforcements, and rely on hope in order to achieve their dreams. As a man of persistence, the wealthy Jay Gatsby continuously strives to reclaim the love of hisRead MoreThe Great Gatsby By F. Scott Fitzgerald1646 Words   |  7 PagesThe 1920s witnessed the death of the American Dream, a message immortalized in F. Scott Fitzgerald’s The Great Gatsby. Initially, the American Dream represented the outcome of American ideals, that everyone has the freedom and opportunity to achieve their dreams provided they perform honest hard work. During the 1920s, the United States experienced massive economic prosperity making the American Dream seem alive and strong. However, in Fitzgerald’s eyes, the new Am erican culture build around that

Essay about Contrast of Jamaica Kincaid’s “Girl” and John...

Contrast of Jamaica Kincaid’s â€Å"Girl† and John Updike’s â€Å"AP† â€Å"AP† and â€Å"Girl† both symbolized the protagonists’ oppression by an older, more experienced generation. However, Kincaid’s â€Å"Girl† was artistic with an undercurrent of selfless love and hope while Updike’s â€Å"AP† was uninspiring with selfishness and lust. The protagonist of â€Å"Girl† discouraged her daughter’s dreams out of love. The protagonist of â€Å"A P† encouraged the antagonists’ out of a selfish desire for self-promotion. The short story â€Å"Girl† by Jamaica Kincaid was a bittersweet warning from a mother to her daughter. The reader is experiencing the viewpoint of the protagonist through the soliloquy of her mother’s instructions that batter her like bugs smacking the†¦show more content†¦He describes the girls’ bodies in terms of the physical features most notable by first glances, including a reference of one girl being overweight with a large, but attractive rear end (Updike 561). I was thoroughly disgusted when he compared a woman’s empty mind with a buzzing bee in a glass jar (Updike 561). The girl referred to as â€Å"the queen† is the object most attracted by his affection and his roving eyes. â€Å"There was nothing between the top of the suit and the top of her head except her†¦it was more than pretty† (Updike 561). At the end of the story, the narrator refers to the â€Å"Big Tall Goony-Goony† as â€Å"not bad for raw mater ial† (Updike 564) and while taking the money, compares Queenie’s breasts to raw scoops of vanilla ice cream (Updike 563). When he loudly announces his intentions to quit his job, the narrator is upset that the girls don’t seem to notice or appreciate him and he seems disappointed to find â€Å"his girls† gone from the parking lot and his life without noticing his martyrdom (Updike 564). I was offended as I imagined this was a stand easily taken by many man for pretty girls. I wanted to run home and smack my boyfriend on the head with a rolled up copy of Vogue. Looking at the contrasting opinions of the two stories of societal oppression, it’s obvious that my sympathies are biased towards women and that I’m revealed for

Ccot the Silk Road free essay sample

Hence the name, â€Å"Silk Road†, the trade of silk remained constant through time between the East and West. Silk also contributed to social status in many societies. Silk was expensive; therefore, many peasants could not afford it. It became a fashion statement, where people who had silk, were wealthy. It was similar to the way foot binding was in China; small feet were a sign of wealth. The impact of silk trade was that it connected Europe with Asia and that it made the economy of many regions, especially China, prosperous. The Silk Road was not always a safe trading network. After the fall of the Tang Dynasty, the Silk Road declined and the Silk Road fell into the hands of Islamic control. Asia’s nomads were divided into tribes that were not necessarily friendly to each other and usually pillaged each other. The were 2 routes on the Silk Road; one was the steppe route, where nomads were common, making it unsafe and the other route was in the desert, that was still very much dangerous, but many merchants preferred to travel on. China was not as strong as it used to be and couldn’t take over other territories where the Silk Road went through nor protect the caravans traveling though the routes. The Silk Road was revived during the Mongol conquest in the 1300’s where the Mongols united Asia and its nomads. The Mongols promoted and ensured safe conditions for traveling and trading on the Silk Road. Trading between the Mediterranean and Asia flourished and this allowed more cultural diffusion among the trading. The Silk Road was an ancient trade route between Persia and China. Between these two societies, they would trade many things, such as gems, livestock, and gun powder. Gun powder had a very big impact on Western Europe. The Arabs experimented with the gun powder and used it as a weapon against Europeans when they invaded Arabia in the 11th century, which made Europeans curious about the secret weapon they were using. Then after the Crusades, when trade flourished, the Europeans obtained gun powder from trade on the Silk Road. The gun powder took away the need of chivalry and replaced it with cannons and guns. The Silk Road helped gunpowder get to the Europeans and this ended the era of nomadic herders due to the technological advancements of settled societies. The Silk Road was created during Han China, when agriculture, commerce, and population flourished. The Silk Road always had the same purpose throughout history. Its purpose was to exchange commodities or luxury goods easier between Eastern and Western worlds. This purpose maintained the same throughout time due to the developing interest of items the East and the West have never had, such as silk and paper. The impact of the Silk Road is huge on both the East and West. While trading increases, so does the cultural diffusion rate. Cultural diffusion on the Silk Road remained stable. Marco Polo is an example of cultural diffusion. He wrote a diary, while traveling from Europe to China, using the Silk Road. When he traveled back to Europe, he inspired other explorers and increased trade on the Silk Road by sharing his diary and experiences. The East and West obtained knowledge and items that would greatly help them improve their technology that they might have not ever got/known if trading on the Silk Road didn’t exist. Trading has many positive impacts, but it also has its negative ones, too. Diffusion of diseases is something that was always spread while trading on the Silk Road. Trading is at its apex when a society has its Golden Age, which is political stability and flourished trading. While trading, diseases are also exchanged to societies that are not immune to it, which eventually evolves into epidemics. Diseases that were spread by the Silk Road include Smallpox, Measles, and the Bubonic Plague, the most effecting one. The Bubonic Plague, also known as the Black Death, was spread to humans by fleas and rats. It first hit and spread in Central Asia, specifically the Mongols in the 1400s. The Mongols spread the disease into the Silk Road, where it was further spread into the West. Populations in both Asia and Europe decreased immensely. The spreading of diseases remained unchanged throughout time due to non-immune societies and the contact between humans and infected animals. The epidemics impacted places socially, religiously, and economically. It put people into a state of shock and they thought the disease was a punishment from God because back then, doctors didn’t have the knowledge to understand diseases and to make advanced medicines. The Silk Road has changed religions, mostly Islam and Buddhism, as well. Religions got stronger throughout time by trade. Islam was often spread by merchants and missionaries. In the 8th century, Muslims controlled the western half of the Silk Road and any merchants converted to Islam to be able to trade easier with Muslim merchants. When trade flourished, merchants spread Islamic beliefs to distant lands outside the Islamic World (Asia, Europe, and Africa). This helped Islam become a world religion. Ibn Battuta was a Muslim explorer from India and like Marco Polo, he traveled to China by using the Silk Road. Throughout his journey in the 14th century, he spread Islam to other societies. The Silk Road had a big impact on religions, because not only did it help it spread, but it also helped it develop and adapt into different societies. Buddhism that originated from India also was spread by merchants on the Silk Road. The Silk Road was pioneered during Han China. The exchange of silk and gun powder greatly impacted the world into what it is now. Diffusion of religions and diseases also impacted the world. If there was no trading of the Silk Road, the world would have been different today: Europe would never have guns and Islam would have never become a world religion. The Silk Road maintained much continuity and also, changed throughout time. Annotated Bibliography Konkolewski, Nancy. Introduction to The Silk Road.   Cerritos College. Cerritos College, n. d. Web. 03 Mar. 2013. I used this source to find information about the Europeans and how they discovered silk. Zhou, Ruru. History of the Silk Road.   China Highlights. China Highlights, 4 July 2012. Web. 03 Mar. 2013. I used this source to find information about the Silk Road in different dynasties and the history behind it. Wild, Oliver. The Silk Road.   Department of Earth Science System. The Regents of the University of California, 1992. Web. 03 Mar. 2013. I used this source to find information about how the Silk Road came to be and what they traded on it. History of Silk Road.   Trave China Guide. Trave China Guide, 1998-2013. Web. 03 Mar. 2013. I used this source to find information about silk and how it contributed to trade on the Silk Road. I also used this source to find out why silk was so important to people in Europe. Silk Road Trade: History Of Gunpowder.   Essortment. Demand Media, 2011. Web. 17 Mar. 2013. I used this source to find information about the finding of gunpowder in Europe and how t got there. Waugh, Daniel C. The Pax Mongolica.   The Silk Road Foundation. Silkroad Foundation, 2000. Web. 17 Mar. 2013. I used this source to find information about the Silk Road during the times of Mongol control. Smith, John Masson. The Mongols And The Silk Road.   The Silk Road Foundation. Silkroad Foundation, 2000. Web. 17 Mar. 2013. I used this source t o find information about the Silk Road during the times of Mongol control and how it made it safer. Rossabi, Morris. The Silk Roads.   The Association for Asian Studies. Association for Asian Studies, Inc. , n. d. Web. 17 Mar. 2013. I used this source to find information about the Silk Road during the times of Mongol control and how it made trading flourish. Cross Cultural Exchanges On The Silk Roads.   Slideshare. SlideShare Inc, 2013. Web. 30 Mar. 2013. I used this source to find information about the spread of diseases by the trading on the Silk Road and how it created an epidemic. Han Dynasty (206 B. C. -A. D. 220) and the Silk Road  China. org. cn. China Internet Information Center, n. d. Web. 30 Mar. 2013. I used this source to find information about how the Silk Road was created, when it was, and why it was created. Cassel, Seth. The Silk Road Linking Asia, the Middle East, Northern Africa, and Europe As Evident by the Spread of the Black Death.   Flamingnet. Flamingnet LLC, Jan. 2006. Web. 30 Mar. 2013. I used this source to find information about the Bubonic Plague and how it affected different parts of the world. Bubonic Plague.   Loyola University Chicago. Loyola University Chicago, 2014. Web. 30 Mar. 2013. I used this source to find information about the Bubonic Plague and how it got spread to different societies by the Silk Road. Marco Polo.   TravelChinaGuide. com. Travel China Guide, 2013. Web. 31 Mar. 2013. I used this source to find information about the experiences that Marco Polo had and how it affected Europe and the Silk Road. Strickman, Tim. Spread of Islam Through the Silk Road.   Prezi. Prezi Inc. , 2013. Web. 31 Mar. 2013. I used this source to find information about how Islam was spread on the Silk Road and the Silk Road’s effect on the religion. I also used this source to find information about Ibn Battuta’s journey on the Silk Road and how he spread Islam. Szostak, John D. The Spread of Islam Along the Silk Route.   University of Washington. University of Washington, 2013. Web. 31 Mar. 2013. I used this source to find information about Islam’s spread on the Silk Road. DInnocenzi, Tom. Silk Road – Trade Route and Cultural Bridge between East and West. Tom DInnocenzi. Word Press, n. d. Web. 31 Mar. 2013. I used this source to find information about the spread of Buddhism and Islam on the Silk Road and how it affected both religions. Religion.   Silk Road. Silk Road Study Group. , 2000. Web. 31 Mar. 2013. I used this source to find information about

Factors Responsible for New Imperialism free essay sample

The advances in technology allowed these nations to spread their control over the less-developed areas of the world. Historians have studied this empirebuilding frenzy. They have offered a variety of perspectives on its causes. Â ¦ Directions: The following question is based on the accompanying documents in Part A. As you analyze the documents, take into account both the source of each document and the author’s point of view. Be sure to do each of the following steps: 1 . Carefully read the document-based question. We will write a custom essay sample on Factors Responsible for New Imperialism or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Consider what you already know about this topic. How would you answer the question if you had no documents to examine? 2 . Read each document carefully, underlining key phrases and words that address the document-based question. You may also wish to use the margin to make brief notes. Answer the questions that follow each document before moving on to the next document. . Based on your own knowledge and on the information found in the documents, formulate a thesis that directly answers the document-based question. 4 . Organize supportive and relevant information into a brief outline. 5 . Write a well-organized essay proving your thesis. You should present your essay logically. Include information both from the documents and from your own knowledge beyond the documents. Question: Which economic, political, and social forces were most responsible for the new imperialism of the late nineteenth and early twentieth centuries?

Free Essays on Descartes Discourse

Descartes' first discussion of scientific method is in an unfinished work of 1628 titled Rules for the Direction of the Mind. The first 12 of the planned 36 rules deal with the general aspects of his proposed methodology, and are considered early versions of principles which made their way into his later writings. In 1633 Descartes prepared for publication a work on physics called Le Monde which defended a heliocentric view of the universe. That same year the Catholic Church condemned Galileo's Dialogue (1632). Descartes did not think Galileo's views were prejudicial to religion and he worried that his own views might be censured. Thus he suspended publication of it. In 1637 Descartes published a collection of essays titled Optics, Meterology, and Geometry. Prefaced to these essays was a work titled "Discourse on the Method of Rightly Conducting the Reason and Seeking Truth in the Sciences." Most of the "Discourse" was written before the 1633 condemnation of Galileo's Dialogue. Howev er, he later added a concluding section which explained that he insisted on publishing, in spite of political risks. The simple reason was that he counted on the public to help confirm his scientific theories. In the Discourse, Descartes offers a method of inquiry quite different from Bacon's. Whereas Bacon advocated induction, Descartes insists on a more deductive approach. Most of the Discourse is autobiographical insofar as it traces Descartes intellectual development and how his method assisted him in his investigations. Descartes realized that he needed to reject much of the teachings of his youth. This raised the question as to exactly how he should proceed in replacing old theories with new ones. He found his answer by observing how old parts of cities are replaced with the new. The more elegant cities are those which are methodically built from scratch, not those which continually renovate old sections. Descartes explains that he had learned a va... Free Essays on Descartes Discourse Free Essays on Descartes Discourse Descartes' first discussion of scientific method is in an unfinished work of 1628 titled Rules for the Direction of the Mind. The first 12 of the planned 36 rules deal with the general aspects of his proposed methodology, and are considered early versions of principles which made their way into his later writings. In 1633 Descartes prepared for publication a work on physics called Le Monde which defended a heliocentric view of the universe. That same year the Catholic Church condemned Galileo's Dialogue (1632). Descartes did not think Galileo's views were prejudicial to religion and he worried that his own views might be censured. Thus he suspended publication of it. In 1637 Descartes published a collection of essays titled Optics, Meterology, and Geometry. Prefaced to these essays was a work titled "Discourse on the Method of Rightly Conducting the Reason and Seeking Truth in the Sciences." Most of the "Discourse" was written before the 1633 condemnation of Galileo's Dialogue. Howev er, he later added a concluding section which explained that he insisted on publishing, in spite of political risks. The simple reason was that he counted on the public to help confirm his scientific theories. In the Discourse, Descartes offers a method of inquiry quite different from Bacon's. Whereas Bacon advocated induction, Descartes insists on a more deductive approach. Most of the Discourse is autobiographical insofar as it traces Descartes intellectual development and how his method assisted him in his investigations. Descartes realized that he needed to reject much of the teachings of his youth. This raised the question as to exactly how he should proceed in replacing old theories with new ones. He found his answer by observing how old parts of cities are replaced with the new. The more elegant cities are those which are methodically built from scratch, not those which continually renovate old sections. Descartes explains that he had learned a va...

Art Essay Example | Topics and Well Written Essays - 250 words - 8

Art - Essay Example rongly cultivated with a goal of achieving self-realization by discovering new knowledge and technologies through the awakening of curiosity and doubt (Renaissance Humanism, n.d.). According to Pico della Mirandola, the most marvelous creature created by God would be man because of his ability to reach the highest intellectual capacity and the capability to intercede between the heavenly beings and earthly creations (Pico della Mirandola-Oration on the Dignity of Man, n.d.). According to Castiglione, a Renaissance Men should be well-educated, cultured, a gentleman, and at the same time have the prowess in the arts and sciences. On the other hand, Renaissance Women are expected to be loyal and submissive to their husbands, rear a child, and manage a household (Renaissance Lady, n.d.). Leonardo da Vinci is considered the first Renaissance painter. He is an Italian painter, sculptor, mathematician, architect and musician. He developed the technique of using light to combine the elements of shape, stability, and permanence in his paintings to achieve balance and a three dimensional look on his work of art (Renaissance Art,

Homosexuality and Religion Term Paper Example | Topics and Well Written Essays - 1750 words

Homosexuality and Religion - Term Paper Example Human beings have inherent rights that States – and the Church – have the responsibility to protect. These rights are innate in them from the time they are born and no state can deprive them of such fundamental rights (Yecies 790). The question is: Is being gay or homosexual a fundamental and inherent right that States or the Church has to protect? This is a question for many theologians and scientists to debate. If being gay or homosexual is an inherent right then the Church must protect homosexuals and permit same-sex marriage. But as they say, it is open for debate. One thing is certain though – homosexuals are human beings and they have the right to be a part of the church as homosexuals. The UDHR espoused â€Å"a Kantian right to equality and moral autonomy for every human person into the circle of the family†, and according to this notion of human rights, there is equality in power and responsibility between the family’s adult members no matte r the sexual orientation. â€Å"In the human rights scheme, gender hierarchy is anathema† (Raday 211). ... Homosexual or heterosexual is not defined in the Bible as we are all members of humanity saved by the cross of Christ. In Christ, we become perfect and fully human but Christ’s work has yet to be completed. In other words, the term homosexual or heterosexual has a religious connotation. Homosexuals and heterosexuals do not defined themselves on the basis of their biological make up, or cultural orientation. To be homosexual or heterosexual is itself a conduct which is the result of factors beyond our control. A homosexual, that includes gay or lesbian, has sexual thoughts towards persons of the same sexual orientation (Bradshaw 120). Main Body Laws on homosexuality have traditionally been governed by promoting traditional morals. Gays have been considered â€Å"other† (Kershaw 559). This means gays are not considered the same with women, the disabled, or racial minority, or they are different. In the United States, even if federal laws prohibit discrimination on the bas is of race and gender, there is no law that explicitly protects homosexuals (qtd. in Kershaw 559). On the question of homosexual’s fundamental right, there are pros and cons to the argument that being gay is a fundamental right but sometimes it depends on what country you belong, i.e. according to the cultural orientation of that country. The UN encourages States to protect their citizens of fundamental rights. What is clear is that it cannot force a State to protect homosexuals of their â€Å"fundamental right†. What does the church, the Catholic Church in particular and other Protestant denominations, say about it? They can be divided about the issue. True, the Catholic Church and other monotheistic religions have condemned homosexuality,

International Tax Havens And Money Laundering

International Tax Havens And Money Laundering Introduction Layering is the procedure of sorting out the capital gained from illegal actions from their source using different levels of composite fiscal transactions, for instance changing cash into travellers checks, shares, investments, or acquiring expensive assets, for example painting or jewellery. 4 Introduction In this world nothing can be said to be certain, except death and taxes. Benjamin Franklin (1789) Cited in Sharon (2009), p333 International tax havens and money laundering is becoming a major issue in the current world economy. A tax haven country is a place where certain taxes are levied at a small rate or does not exist. People and/or businesses can find it smart to move into those places which will create tax competition amongst governments which also include illegal activities such as profits gained from unfair trading or frauds in a companys accounts and corruption. Goerke (2008) study shows that there is a negative relationship between tax havens and corruption. This is because a country with tax evasion policies, the normal tax rate has to be high in order to generate the same level of income as a country with no tax evasion policy. High tax rate has a tendency to ease corruption. In the UK, Her Majesties Royal Court (HMRC) is trying to gain access to details of overseas accounts of UK citizens in tax havens countries (Riem, 2009). The Financial Times in July 2008, reported the Swiss bank UBS will no hold have overseas account for U.S. citizens following a law suit by the U.S. government in May, 2008 (GFIP, 2009). The US Treasury has lost on an annual basis around US $ 100 billions in revenue because of the accounts held in tax haven countries. The U.S. congress introduced the Stop Tax Haven Abuse Act (STHAA) in March 2009 which includes a list of tax haven countries. Companies are planning to move away from the place where the Act is in force. The Italian Finance Minister, Guilio Tremonti had the fight against tax haven countries as his main priority in the G-8  [1]  summit in Aquila in July 2009. Money laundering is the procedure to cover the correct source, possession, route and use of capital, largely gained from illicit actions with the intend of making appear is was obtained legally. There are three main ways of doing this, namely: placement, layering and integration (Shehu, 2003). Placement occurs when an individual deposits money gained from illegal activities into financial services providers such as banks. Layering is the procedure of sorting out the capital gained from illegal actions from their source using different levels of composite fiscal transactions, for instance changing cash into travellers checks, shares, investments, or acquiring expensive assets, for example painting or jewellery. Integration is when an individual uses legal means to hide illicit money, therefore leaving the illegal funds to be distributed back to criminals. These can take the form of fake import/export invoices. Advantages and Disadvantages of International Tax Havens and Money Laundering Offshore financial institution offers access to steady political and economic matters. This is advantageous to the residents who lives in areas of political turmoil who fear their assets may be frozen. Some banks operate at a low cost base and provide high interest rates than what is legal in the home country due to the lack of government interference in the affairs. Money laundering in remote islands and countries helps increase the economy growth. The services of offshore banks are advantageous when compared to domestic banks, they offer number of bank accounts, risk is based on high and low rates of investments. Some individuals have specific tax advantages because these banks are linked to other offshore companies, trust or foundations. However, through money laundering the banks have been involved to help terrorist groups, crime gangs, and other state and non-state actors. Money laundering encourages tax evasion, by helping them deposit their hidden income in an attractive place. Access to offshore banks are difficult as they operate in far distant places. Yet accounts can be created by online and other modes, a country such as India finds it difficult to deal with the issue of money travelling in and out without restrictions. Offshore accounts aid this money, and this can cause financial problems in the country. The charge to uphold these accounts is possible by the high earners . The tax load falls for the middle income group. Also the people who earn more are left to pay more taxes to facilitate the economy. Acquisition, possession or use of property, knowing at the time of receipt that such property was derived from criminal activity or from an act of participation in such activity (Lockett, 1999). Government review fiscal transactions to make sure the work is carried out properly on the administrative side, prevent welfare and other benefits fraud, prevent money laundering and to detect any other illicit doings (World Bank Institute, 2008). These advantages, however, government employees gaining access to these data and other individual might misuse these financial data (World Bank Institute, 2008). These advantages, however, government employees gaining access to these data and other individual might misuse these financial data (World Bank Institute, 2008). People who are involved in trying to hide or transfer properties that are used for criminal purposes will face legal sanctions (Lockett, 1999). For instance, these properties may be used for drugs dealing, hide dirty money, and any other criminal activities. Global Overview International tax havens and money laundering is having a global impact. For instance, in India, money laundering is become a huge problem as money generated from illegal activities, such as crimes, terrorism and drug-trafficking, is instantly transferred to tax havens countries such as Switzerland. India are made up of tax havens, laws allowing secrecy, disguised corporations, anonymous trust accounts, fake foundations and assorted money laundering mechanisms which are designed to move money and keep hidden their sources (Financial Times, 2009). The local government and authorities, for instance, the Indian Chamber of Commerce and Industry, seems to have no interest investigating into the matter. Even during the G-20 meeting in London (2009), the Indian representative though this topic would be out of line when actually tax haven countries and money laundering was making the headlines. In February 2009, an Indian newspaper reports that several Indian ministers visited Switzerland on private voyage. (Vaidyanathan, 2009) Kar and Cartwright-Smith (2008) in a report for the Global Financial Integrity (GFI) that illicit financial outflow from India for the period 2002-2006 was on an average low of US $ 22.7 billions and high of US $ 27.3 billions per year ranking India as the 5th largest outflow of illegal money outflow in the world. These come from mainly second hand goods markets which are not accounted for and largely processed by a financial service provide named Hawala Bank. Hawala Bank is a financial services provider which is unlicensed and therefore under no government authority. The financial institution accept money in all its form in one country and pays out in another country but does not find it important to keep proper records of clients and transactions. Their main trading activity is transferring money from developed countries into the Middle East and North Africa where the firm originated. Institution trading often goes through Pakistan; Dubai and Africa countries such as Nigeria before reaching the customer as a means to protect the privacy of clients and that is the main reason is it use for money laundering as shown in Appendix 1. No studies manage to analyse the amount of money traded by the company but it is believed that Hawala bankers are hugely involve for tax evasion and money laundering. Since it has no legal obligation, preventing them from trading is almost impossible as it is done in an informal way. (van de Bunt, 2008) As compared to this, Italy is showing a great concern in tax haven countries and money laundering. Italy has the highest corporate tax rate in Europe as shown in Appendix 2 which triggers Italian base companies to send profits in tax haven countries. De Mooij Ederveen and Dharmapala (2008) argued that company profits and income is more responsive to taxes that where the company or individual is situated. On 3 October 2009, the Italian government granted a grace period for company and individuals to return profits from tax haven countries for a small charge of 5% of the capital. They expect around US $ 148bn to flow back in the country generating tax revenue of US $ 7bn mostly from Switzerland as in the pass, the later was responsible for 58.3% of inflows of profits from overseas. The Finance Minister of Italy, Guilio Tremonti, said in an interview in July 2009: The true benefit of this measure is that it will close Ali Babas cave and measures are useless if they leave tax havens open. Financial Times (16 July, 2009) In 2008, Giulio Tremonti made the account of all Italian tax payers available online which was on of his approach to track incomes of Italian tax payers. Scherer Salzano (2008) discussed that this would not help the government as it could induce financial crime as private details of individuals such as income earned and address were made public and consequently the website was closed. Furthermore, some countries enjoy labelling themselves as tax haven countries such as the Caribbean Islands. However, offshore financial services firms prefer to promote themselves as wealth management centre. A recent approximation by the Tax Justice Network (2009), show that around a third of the worlds assets is held in these countries (i.e. US $ 11.5 trillion). Countries such as France, UK and Holland have no interest in to crack down these tax haven countries as many of them form part of the colonies. Nevertheless, following the September 11 attack, the U.S. government wants to eliminate these countries tax policies as it prompts money laundering therefore helping terrorist groups. Their main targets in the Caribbean are Antigua and Barbuda, Bahamas, Belize, Cayman Islands, Costa Rica, Dominican Republic, Haiti, Guatemala, and Panama. This is because these countries have slack financial authorities which benefit money laundering. Caribbean islands are consequently joining force to establish guidelines to combat money laundering mainly because of world regulators (Rosdol, 2007). Legal Side and Policies Since the 9/11 incident there has been an interest and growing concern for the rules and regulations made against serious crimes including money laundering and tax havens. The Indian government took advantage of the Organisation for Economic Co-operation and Development (OECD) sanction threats against tax havens and money laundering. They took a hard look at the countrys Double Taxation Avoidance Agreements focusing on restricting the outflow of clack money and adopting measures to arrest anyone involved within the country. In their urge to stop black money funding growth, the Indian government began a negotiation with Switzerland to help release their infamous secrecy laws and share data on tax evasion cases. Since OECD drives against tax havens, many countries have started to sign international standards on transparency and exchange of information. For instance the Cayman Islands have recently signed a joint agreement with seven other countries, which allows them to exchange information on tax matters unilaterally. If similar agreements like the one Caymans Island took were taken by India, it would allow tax authorities to track down tax evaders and money launderers by gaining access to financial information that are hidden. (Basu, 2009) Before the 2008 tax haven and money laundering laws caused a lot of conflict with the Caymans and U.S, however political stability, strict and clear regulations has helped the country escape the OECD clampdown on tax havens. Financial services comprise around 40% of GDP and have made the Caymans the worlds fifth largest financial centre. Strict laws against money laundering got the Caymans removed from the Financial Action Task Force blacklist in 2001 but since then they have maintained a good relationship with the main hosted banks. Regulations in the Cayman Island are provided by the Cayman Islands Monetary Authority, which also manage their currency. (Oxford Economic Country Briefings, 2008) In the Bahamas the government is considering introducing VAT, but this is a challenge for them as the country has built their fortunes on their tax haven status. The financial sector has undergone a deep transformation recently, since they brought down the reputation by introducing all surrounding anti-money laundering legislations. (Oxford Economic Country Briefings, 2008) The Financing and Money Services Act was enforced by the British Virgin Islands (BVI) in November 2009. The aim of this act is to make sure BVI laws and regulations are on the same level with international regulations and policies to fight money laundering and financing of terrorist. A board will be setup following the act to monitor licensing, regulation and supervision of financial services provided in the BVI, which will also include reviewing firms which do not comply with the law (Heath, 2009). There are number of offences which now these financial services providers will have to be line with so as not to break the law, otherwise fines can go up to US $ 60,000 applicable for offenders. U.S. Policies on International Tax Havens and Money Laundering The approach of U.S. law enforcement and regulatory agencies have faced relatively remarkable changes over the past decade such that money laundering and tax havens have been now operated as a primary issue. This change in approach and focus has brought improvement regarding tax havens and money laundering. The assessment of Obamas policies consolidates a tremendous amount of information in this perspective. In May 2009, president Obama presented a set of proposals focusing at international tax policies. The objective of Obama is to eradicate the benefits for those companies and well off individuals that transfer their cash in offshore accounts. He described the current system as: a tax code that says you should pay lower taxes if you create a job in Bangalore, India, than if you create one in Buffalo, New York. The key feature of this proposal is to restrict the companies which are exempted of tax payments on profits earned offshore. The plan of administration is to keep a strict hold on those companies which are not paying their taxes in U.S. pretending that they paid a huge amount of foreign taxes. During his presidential campaign Obamas party promise to work on tax havens and money laundering ACT. In February 2009, he said in a conference: We need to simplify a monstrous tax code that is far too complicated for most Americans to understand, but just complicated enough for the insiders who know how to game the system, finally ending the tax break for corporations that ship our jobs overseas. U.S. President Barack Obama This was his outmost priorities in a speech to the Congress that he guarantees to make the tax code more reasonable. According to the white house Mr. Obama is trying to close the international tax gaps. Companies which are investing in foreign countries and creating job opportunities overseas, will loose their tax advantages as planned by the U.S. President, companies which are creating job opportunities in U.S. will be offered tax advantages with incentives. The President and Treasury Secretary Timothy F. Geithner proposal of tax policy could help in increasing revenue over next year. The estimated income according to the studies carried out is US $ 210 billion. However, this proposal has some drawbacks and has been opposed by several business communities. Congressional leaders, in March 2009, suggested that this change in tax code result in making USA companies less competitive around the business globe. About 200 companies and trade associations, including Microsoft Corp., General Electric Co. and the U.S. Chamber of Commerce, collectively signed a letter stating that the following changes to the tax code would set them at a disadvantage with their competitors. This proposal faced considerable opposition by democrats who are hugely represented in senate creating a bug opposite for President Obama. During his election campaign Obama criticised the tax code policy as American companies deferring their tax liabilities on corporate profits. According to democrats the profit earning by overseas investment allows American companies to invest this money in their foreign subsidiaries operations. The loophole which is not covered by Obamas policy is transfer pricing. Transfer pricing is the biggest source of tax avoidance in corporate America. An economics professor at Rutgers, (Altshuler, 2009), called transfer pricing the elephant in the room as it is a major problem which was not addressed under Obamas proposal. According to Ernst Young, reforms in Obamas policy for outsourcing have no affect on offshore corporate companies. By creating separate business entity these offshore corporations can contract with entity to outsource the job. Obama tax reforms have faced a lot of criticism from critics and the leaders in senate but the only purpose of these tax reforms is to encourage the U.S companies to invest locally to create more job opportunities for Americans. The Central Board of Direct Taxes (CBDT) said that after evaluating the benefits of outsourcing in India, if the cost of revenue is lower than the tax paid by multinational companies in USA. They would stop investing in foreign subsidiaries. To pursue the dream, Obamas administration announces their budget policy for the year 2011 which is increasing the tax on richest individuals and decreasing taxes for the individuals earning less. Individuals earning more than $200,000 have to face increment of US $ 970billion tax on their earnings. For businesses there is an addition of US $ 400 billion. Conclusion From research a number of laws and regulations have been put in place to improve tax haven and money laundering crimes however, most of the countries still manage to avoid those regulations and laws. In future many countries have decided it is best they work together to put together laws and regulations to decrease the crimes in the financial system if not like India it could become part of their economy and may be difficult to resolve in the future. The Caribbeans, India and Italy have undertaken the laws and regulations of the OECD. They undermine the legal economy because money laundering affects normal competitive conditions of markets which is a threat to the efficiency and stability of each countrys financial system. In Italy the prevention of money laundering plays a strategic role in fighting crime and is based in the Anti-Money Laundering (AML) requirements which are: Customer due diligence Record-keeping requirements concerning business relationships and occasional transactions Adoption of adequate organisational procedures and internal control measures Suspicious-transaction reporting. On the other hand, financial privacy is has to be accounted for before deciding whether to investigate a persons account and income which may end up on morality issues. With all the measure enforced recently and future prospects, tax evaders may want to consider paying the taxes rather than being sued for fraud for moving money to tax haven countries (Economist, 2009). Money laundering is a different case however as however strict the laws are, governments do no any proper knowledge on the amount of illegal paper money circulating. This capital flows to tax haven countries and they are the one who have to have laws in place to determine the origin of this money. The Swiss Ambassador in India, H.E. Mr Philippe Welti, said: Switzerland was accused of giving shelter to black money and there has been a lot of inflow of such wealth from India and other countries of the worldà ¢Ã¢â€š ¬Ã‚ ¦ I would not say it would be stopped 100% (under a new law). But through this measure, it would be controlled up to a certain limit. Cited by Vaidyanathan (2009, DNA Read the World [Online]) The capita lost in money laundering can be gained back if there if a political will as shown in the case of Nigeria, Italy, Philippines and Israel (Vaidyanathan, 2009). References and Bibliography [n.k], (2008), Oxford Economic Country Briefings. Oxford, p1-4. [n.k]. [n.d] Advantages and disadvantages of offshore banking [Online]. [n.k]. Available from: http://www.nomad4ever.com/2006/11/26/advantages-disadvantages-of-offshore-banking/ [Accessed 30 January 2010]. Baker, R. (2009). India shows us the curse of black money [Online]. Available: http://www.gfip.org/index.php?option=com_contenttask=viewid=205. [Accessed 29 January 2010]. Bank of Italy. [n.d]. Prevention of money laundering [Online]. Available from: http://www.bancaditalia.it/UIF/prev-ricic;internalaction=_setlanguage.action?LANGUAGE=en [Accessed 25 January 2010]. Basu, I. (2009). India tries to tame tax havens [Online]. Available from: http://www.upiasia.com/Economics/2009/07/01/india_tries_to_tame_tax_havens/5024/ [Accessed 25 January 2010]. Brevik, F. and Gà ¤rtner, M. (2008). Can tax evasion tame Leviathan governments?. Public Choice. 136, p103-122. Browning, L. (2009). Obama Plan Leaves One Path to Lower Taxes Wide Open [Online]. Available from: http://www.nytimes.com/2009/05/05/business/05shelter.html/?_r=2. [Accessed 22 January 2010]. Consumer Compliance Examination and Bank Secrecy Act. (2000). Bank Secrecy Act/ Anti-Money Laundering [Online]. Available from: http://www.occ.treas.gov/handbook/bsa.pdf. [Accessed 01 February 2010]. Cray, C. (2009). Obamas Tax Haven Reform: Chump Change [Online]. Available from: http://www.corpwatch.org/article.php?id=15386 [Accessed 01 February 2010]. Danziger, M.P. (2009). Illicit Financial Outflows from India $22 Billion-$27 Billion per Year [Online]. Available from: http://www.gfip.org/index.php?option=contenttask=viewid=201. [Accessed 29 January 2010]. Danziger, M.P. (2009). On Tax Day a Look Back, and What the Future Holds for Tax Dodgers and Banking Secrecy [Online]. Available from: http://www.gfip.org/index.php?option=com_contenttask=viewid=190Itemid=70. [Accessed 29 January 2010]. De Mooij, R. A., and Ederveen, S. (2008), Corporate Tax Elasticitys: A Readers Guide to Empirical Findings, Oxford Review of Economic Policy, 24(4), 680-697. Delaney, A. (2009). USA Tops International Tax Haven List, Thanks To Delaware [Online]. Available from: http://www.huffingtonpost.com/2009/11/01/usa-tops-international-ta_n_340613.html. [Accessed 22 November 2009]. Devereux, M.P. (2008). Business taxation in a globalized world. Oxford Review of Economic Policy. 24 (4), p625-638. Dharmapala, D. (2008), What Problems and Opportunities are Created by Tax Havens?. Oxford Review of Economic Policy, 24(4), 661-79. Dinmore, G. (2009). Berlusconi dangles incentive for tax evaders to bring home billions [Online]. Available from: http://www.ft.com/cms/s/0/3f1d0408-71a0-11de-a821-00144feabdc0.html. [Accessed 29 January 2010]. Dinmore, G. (2009). Italy MPs protest against tax amnesty [Online]. Available from: http://www.ft.com/cms/s/0/86c70d08-a83c-11de-8305-00144feabdc0.html?nclick_check=1. [Accessed 29 January 2010]. Donmoyer, R. (2010). Obama Budget Seeks $1.9 Trillion Tax Rise on Richest, Business [Online]. 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(2008), Illicit Financial Inflows from Developing Countries: 2002-2006. Washington D.C: Global Financial Integrity. Knosalla, K. (2009). Tax Havens, Evasion and Banking Secrecy: A Review of the State of Financial Privacy vs. Financial Transparency. London School of Economics. Unpublished. Lockett, N. (1999) European Business Review. Legal Perspectives on Digital Money in Europe. 99(4), 238-239. Malkin, A. (2009). G20 Communiquà © Catalogue on Tax Havens and Money Laundering, 1999-2009 [Online]. Available from: http://www.g20.utoronto.ca/analysis/taxhavens.html. [Accessed 24 November 2009]. MSNBC. (2009). Obama pledges to simplify the tax code [Online]. Available from: http://www.msnbc.msn.com/id/30228444/ [Accessed 01 February 2010]. Oak, R. (2009). Obamas Offshore Outsourcing Corporate Tax Code Change has no impact on offshore outsourcing vendors [Online]. 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Albert Camus the Plague :: essays research papers

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How Does Wal Mart Motivate Their Employees

Wal Mart motivates their employees with health and financial benefits. Some of these include health, dental and life insurance, and an eyewear program. Employees also receive a 401(k) plan, have the opportunity to purchase stock, receive a discount card and can receive special discounts on travel and entertainment.My work at Walmart is about savings, but my benefits are about security. I'm Making Better Possible. Melissa, Pharmacy TechOur Benefits team works hard to offer associates comprehensive and affordable benefits to help you stay healthy. When you become an associate, you can take advantage of a variety of great benefits for you and your family, including: Health & Well-Being BenefitsConsumer-directed health plans, including Health Reimbursement Accounts (HRA) plans and a high deductible plan with a Health Savings Account (HSA). Highlights include: 100 percent coverage for eligible in-network preventive care $4 co-pay on eligible generic drugs at Walmart or Sam’s Club p harmacies Free access to nurse care managers and health care advisors HMO plans (available in certain areas)Vision plan Dental plan Resources For Living ® – a free confidential counseling and health information service Company-paid life insurance Accidental death & dismemberment insurance (AD&D) Critical illness insurance Short- and long-term disability insurance Business Travel Accident Insurance Illness Protection (Sick Time) Financial BenefitsMatching contributions to your 401(k) up to 6% of your salary Associate Stock Purchase Plan with a company match Associate Discount Card for Walmart and Home Office associates and Sam’s Club Home Office associates, spouses and dependents Sam’s Club associates receive a complimentary membership Exclusive discounts on everything from brand new cars and wireless services to travel when associates visit our online Associate Discount Center – more than 375 discounts available

Essay About My Life - 789 Words

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