Sentencing Paper Free Essays

Condemning Paper Deadrian Williams CJS/200 3/3/2013 Bryan Maglicco Six Forms of Punishment Fines are probably the most established type of discipline, the utilization of fines as criminal authorizations experiences worked in imbalances and a far reaching inability to gather them (Schmalleger, 2011). Fines can deny wrongdoers of the returns of crime, and furthermore advance recovery by implementing financial duty (Schmalleger, 2011). Individuals need to pay fines when they overstep minor laws, for example, driving while inebriated, careless driving, upsetting the harmony, open intoxication, and vandalism (Schmalleger, 2011). We will compose a custom article test on Condemning Paper or on the other hand any comparative point just for you Request Now The death penalty is capital punishment. The death penalty is the most extraordinary of all condemning alternatives (Schmalleger, 2011). The death penalty is condemned when somebody remarks a capital offense. In 2008, for instance, a twenty multi year elderly person was condemned to death in the abominable homicide of a multi year old young lady in what specialists said was an intricate arrangement to tear up the young ladies substance (Schmalleger, 2011). Today, the government and 35 of the 50 states license execution for first degree murder, hijacking, exasperated assault, the homicide of a police or prison guard, or murder while under a lifelong incarceration (Schmalleger, 2011). Probation is another type of discipline. Probation implies testing the conduct or capacities. From a legitimate perspective, a wrongdoer waiting on the post trial process is requested to follow certain conditions set out by the court, regularly under the management of a post trial agent (Wikipedia, 2013). Wrongdoers are usually required to shun guns, and might be requested to stay utilized, have a time limitation, live in a better than average spot and not leave the purview (Wikipedia, 2013). Imprisonment is another type of discipline. Correctional facilities are shorter lock up focuses ran by regions and worked by sheriffs (Cliffnotes. com Types of Sentences, 2013). Typically detainees that are in prison are holding back to go to preliminary who couldn't make bail, individuals with misdeeds, and criminals who damaged probation (Cliffnotes. com Types of Sentences, 2013). Likewise individuals re imprisoned in detainment facilities who are indicted criminals. Jails are worked by the state (Cliffnotes. com Types of Sentences, 2013). Network administration is another type of discipline. Network administration is taking care of your obligation to society for an inappropriate doings that an individual does, by accomplishing work that benefits the network (Cliffnotes. com Types of Sentences, 2013). Individuals doing network administration tidy up thruways, cut grass, plant trees and blossoms, and wash away spray painting. Individuals who are rebuffed with network administration have a specific measure of hours they should do to finish the network administration request. Inability to finish network administration can prompt prison time and more fines. Diminishing recidivism Recommendations on the most proficient method to change the condemning procedure is take a gander at the record of the respondent and furthermore the seriousness of the wrongdoing while condemning. On the off chance that somebody has carried out a homicide or an assault, or capturing then they ought to get the severest sentence conceivable regardless of whether it is their first time on the grounds that those violations are against individuals. Families have been annihilated as a result of what the individual did. Great conduct ought not play in the condemning of these wrongdoers. They didn't consider the casualties when they carried out the wrongdoing so the courts ought not offer them a reprieve on account of good conduct. On the off chance that the condemning procedure was stricter and centered more around the wrongdoer discipline and not what others would state and feel about the wrongdoing then it would be significantly less violations. References Cliffnotes. com Types of Sentences. (2013, March 4). Recovered from Cliffnotes. com: http://m. cliffnotes. com Schmalleger, F. (2011). Criminal Justice Today. Prentice Hall. Wikipedia, (2013). Instructions to refer to Sentencing Paper, Essay models

A review of financial reporting from a range of construction industry sectors

Yearly reports have changed drastically between mid 1970s and today. The general measure of data given has expanded impressively, and this is similarly valid for the budget summaries and the conversation segment of the yearly report.New fiscal summaries have developed with the assets stream/income explanation or all the more as of late the announcement of absolute perceived increases and misfortunes, and existing proclamations presently offer a more noteworthy degree of dis-aggregation.â€Å"In expansion to the fundamental fiscal summaries financiers hope to discover calendars of agreements in progress and finished agreements and a compromise of the pay and the expenses of these agreements to the present year's salary statement.Certain monetary record accounts are one of a kind to the development industry†costs in overabundance of billings on uncompleted agreements (a benefit) or billings in abundance of costs (a risk). Utilizing the level of consummation technique costs in ove rabundance of charging result when the billings on uncompleted agreements are not exactly the pay earned to date.These under billings bring about expanded resources. Then again, where billings are more prominent than the pay earned on uncompleted agreements, a risk, billings in overabundance of costs results. Many holding organizations demand other explicit data as beneficial information. An auspicious and itemized reaction can give numerous responses to holding specialist's inquiries and improve the probability of a positive response to a solicitation for bonding.The nonattendance of the fitting and adequate data in the fiscal reports will offer ascent to doubt and, in any event, extra inquiries from the survey.As an outcome the TABULAR DATA OMITTED holding operator will be genuinely repressed in their endeavor to persuade the protection transporter that the prize exceeds the danger of giving execution bonds to the contractor.† (Dufek, 1992)2-2-Shareholders Users of yearly re ports are numerous and differed, yet it is commonly concurred that speculators structure one of the biggest and most significant gatherings of potential clients (Day, 1986). It is commonly perceived that data contained in organization money related reports ought to be helpful to investors in their venture activities.Yet if yearly reports are to prevail with regards to being an essential methods for correspondence between the business undertaking and its investors, they should contain unveiled data that investors need so as to take their speculation choice (Lee and Tweedie, 1975).2-3-Disclosure of hazard As characterized by the ASB (1998) chance is â€Å"Uncertainty as to measure of advantages. The term incorporates both potential for increase and presentation to loss.† Risk along these lines is basic to a venture, since it is inalienable in the quest for chances to win return for its owners.It follows that so as to see appropriately the potential for the future execution of a ny organization; financial specialists need a legitimate comprehension of the dangers it attempts. This will be founded on the accompanying data

Essay Examples About Hemophilia - Get the Facts First

Essay Examples About Hemophilia - Get the Facts FirstThere are plenty of essays samples about hemophilia, a disease that causes significant loss of the bleeding phase of the blood. It can cause lifelong deformities to the bone and that includes what you are writing on. There are many factors that make this disease so important. You must make sure you get all the facts before you begin writing.The disorder is so different from all the other types of disorders that you may be able to write your own essay about it. The assignment will help you get some facts and you should have all the information you need for a well written essay. You should research all of the information as much as possible before you begin writing your essay.As you are researching your essay samples about hemophilia, you should consider the information available to you and understand what you are being asked to write. Hemophilia is a type of clotting disorder. Many people who suffer from this disorder lose their liv es as they try to fight off the clotting process.The right information can make the difference between life and death. You need to know that there are many ways to attack this disorder. You can write about several of these approaches.In your essay samples about hemophilia, you should write about different types of hemophilia treatments and the different ways that they are able to treat the disorder. You can even include pictures to demonstrate how different treatments can affect the patients in a way that is meaningful. Some doctors are still unsure of the best treatment, so they are looking for more research to assist them in making this decision.Research will be available on hemophilia, but many people do not understand this disease and what it is dealing with. This is why research is so important when it comes to writing your essay samples about hemophilia. You need to take the time to understand this disorder so that you can provide the information to your readers.Your own resea rch can help you understand the disorder better. Even if you are not someone who has hemophilia, you should still be able to learn a great deal about this condition. If you cannot find any information about hemophilia online, ask your doctor or your nurse.They will be able to direct you in the right direction and provide you with all the information you need. While you are looking for information on how to write about this condition, it is important that you read the stories of other people who have experienced this disease. This will help you get a better understanding of the disease and what it is doing to them.

International And International Students At Universities

All over most college campuses there is a group of students that commonly get over looked; the international students. International students make up a good majority of a lot of college campuses. Statistics have shown that 1,000,000 international students are enrolled at universities in the United States of America (Migration Policy Institute). I chose to observe a group of international students at universities, because this is a topic that is of interest to me. Since international students are so common at universities, they play a big part in our society. It does seem that possibly at times, international students can get overlooked because at many universities they are in the minority. Even though there are many differences between non international and international students, we all share one purpose; to get an education at a university in the United States of America. If an international student is at a university in America, in most cases you can assume they are there for a pu rpose. For international students, they are in a complete different country than their family. Most students would not do that, unless they have a purpose in doing it. Most international students come to the states to get better quality education, so they can have a future with better opportunities. People’s view on international students, in most cases would completely depend on the person. It seems that most people have some level of respect for them considering the sacrifices that they makeShow MoreRelatedInternational Students At The American University1749 Words   |  7 PagesHow many of you guys study well in the American Universityï ¼Å¸ Maybe some of you have problem in your academic study? To be a successful International student in the American University, International students should work hard and go to the student center of school and go to the writing center in order to find tutors for help. Also they can take lots of student’s activities in school. For most of International students, taking the activities in school, including language communication or club activitiesRead MoreAn International Student At Swinburne University1615 Words   |  7 PagesReflective Essay Thio Eric Adiputra Tresno - 1716506 Part 1 As an international student at Swinburne University, I have felt how what is it like to be a minority. This situation teaches me how much important it is to hold up fairness within an organization. Over the course, I found that HRM theories have helped me to develop my ethical conscience. I gained significant knowledge of practical theory of ethic during the lecture. In the tutorial, we did case studies analysis that give me insight aboutRead MoreInternational Students Should Be Taught At A University1699 Words   |  7 PagesInternational students who come from different parts of the world to study with later hopes of finding a job, take loans to help pay for education ending up in large debts. This sadly is a harsh reality for students who come as international students into the United States. International students are not permitted to work off campus while studying at a university. According to the U.S. Citizenship Immigration Services, visas granted to foreign students are pr ohibited to any execution of a job (Working)Read MoreUniversity Services That Assist International Students1176 Words   |  5 Pages University Services that assist International Students in their successful Transition to studying in the US Gopi Nadh Kancharla Fairleigh Dickinson University Abstract Introduction Each and every international student will definitely feel it difficult initially to the sudden change of culture, environmental conditions and language. It would be a common scenario in most of the international student cases including me. Being an international scholar, I found itRead MoreUniversity Of Montana International Student Association1585 Words   |  7 PagesWhile writing my profile essay on University of Montana International Student Association to discover the challenges, international students face when they moved away thousands of miles from their home country to study here at the University of Montana. Many face challenges from social (unfamiliar living circumstances), academic (learning style) to cultural (language, culture and personal barriers) issues. Some students adapt easily to life here in Missoula while others experience difficulties. IRead MoreI Am An International Student Attending University Of Texas1846 Words   |  8 PagesI am an international student attending University of Texas at Arlington. It is my second semester here. I am getting used to with the American educational system and culture. So far, I feel positive about it and I think I am excelling. My first semester was however a total cultural shock. Being a business major wanting to pursue career in accounting, I wanted to take Accounting, Business, Economics and Finances classes but I was forced into taking Astronomy, History, Communication and English classesRead MoreThe Effects Of Counterfactual Thinking On Students At Florida International University935 Words   |  4 PagesParticipants There were 425 participants that participated in this experimental study. Most of the participants were friends and family members of the students at Florida International University. Of these, 152 were male (36%) and 273 were female (64%) The age of the sample ranged from 14 to 76 (M = 29.05, SD = 11.88). This included 42% Hispanic (N =180), 27% African American (N = 116), 25% Caucasian (N = 108), and 3% Asian (N = 13), 1% other (N =6), and .5% Native American (N =2). Materials andRead MoreMy Identity And Representation : I Am An International Student At Arizona State University1861 Words   |  8 PagesMy identity and representation First of all, I am an international student at Arizona State University, so my life in the United State could not live without friends, family support and other outside social groups. Living by myself in other country, I have to face a lot problem in every single day, that is the main reason for me to take a part it and join them. I belong with many social groups, and those groups relate to my life and changed my identity, in each group I represent different roleRead MoreThe Problems Faced By The International Students Without A Social Security Number At Pittsburg State University1635 Words   |  7 Pagesthe International students without a Social Security Number at Pittsburg State University. Introduction The study conducted by Savage (2007) describes when international students arrive in the United States, students are challenged by the many issues: language, academics and they have to adjust to many things like living, making communication, cultures, weather, transportation because they vary from one region to another region (Savage, 2007) The other types of difficulties international studentsRead MoreAustralian Universities House A Diversified Variety Of Racial And Cultural Backgrounds, From Domestic And International Students2092 Words   |  9 PagesIntroduction: Australian universities house a diversified variety of racial and cultural backgrounds, from both domestic and international students. As seen in other universities around the world, such as the United States, and Canada, racial discrimination is an issue that is experienced by universities students, usually of immigrant and/or non-Caucasian descent (Beamon, 2014, pp. 121-34; Marchak, 1996, p. 6; Rich). Historically, Australia does not frame itself as being racially tolerant, with

Achieving Competitive Edge Through Supply Chain Management - Free Essay Example

Sample details Pages: 8 Words: 2543 Downloads: 7 Date added: 2017/06/26 Category Management Essay Type Case study Did you like this example? Executive Summary Efficient Supply Chain Management is increasingly being viewed as critical ingredient of realization of organizational goals and a means of gaining competitive advantage. And hence, companies are leaving no stone unturned to attain an excellent command over their supply chain, be it adoption of new practices or expending huge funds. However despite this, not many companies have been able to build up their supply chain to the level of being qualified as critical component of the organizational strategies. Don’t waste time! Our writers will create an original "Achieving Competitive Edge Through Supply Chain Management" essay for you Create order This is due to the inability of the organizations to measure appropriate metrics which would then decipher the strengths and weaknesses of the existing supply chain. There would always be a scope of refining the current supply chain so as to remove any defects that are present in it. These metrics would empower the Decision Makers or the Managers with refined data that will give them a complete perspective of how well the various components of the present supply chain are performing both on the suppliers and the consumers side, and to remove the faults discovered in it by strategic decision making. In the following paper, we suggest the use of Data Analytics to measure these metrics (Key Performance Indicators). This would enable the manager to understand the Supply Chain better and make his own strategic decisions. Introduction Supply chains, initially thought of as a mean to implement re-engineering, downsizing and cost reduction, is now growing increasingly multifaceted. On average, any disruption in the supply chain results in nearly 11% decrease in stock price, and hence deeply affects the shareholders value  [1]  . In this view, companies are looking up at strengthening their supply chains to achieve competitive advantage and gain market share. Not only this, Supply Chain management is now increasingly being viewed as an essential component of the overall organizational strategy. While the business strategy would lay an impetus on where an organization wants to reach, the Supply Chain would encompass the operations that enable realization of those goals. However, with ever increasing competition and price pressure, changing market dynamics owing to fast paces of globalization, increasingly complicated demand planning and more complex product life cycles, the process of getting the right produc t to the right place at the right time at the right price, has become a challenge in itself. Knowing What to Measure Supply chain is fast becoming the catalyst meant to enhance the profitability of any project. In view of this, Companies are investing huge chunk of money to gain an advantage in their supply chain mechanisms. However the glitch in this scenario is that not many businesses are able to measure how well they are doing. You cant manage what you cant measure This age old management adage has found relevance in all disciplines of management, and supply chain management, keeping the above perspective in mind, is no exception. Hence measuring all available metrics is not the key learning, rather the focus should be on identifying and measuring metrics that will point out how well the businesses are accomplishing the strategic goals of the organization and earning increasing consumer satisfaction and hence their loyalty. Therefore what is critical to gaining competitive advantage through supply chain is to figure out which metrics have to be measured and then measuring them accurately. For example consider a company which has ten suppliers. Not all of these suppliers will be equally efficient or cost effective. In this paper we are proposing a methodology that enables managers to get a holistic picture of the efficiency of their supply chain and then manage and control them to gain competitive advantage. We are not proposing any Informatio n Technology enabled tools like Electronic Data Interchange, SAP for gaining efficiency. Even with the application of the enterprise tools and sophisticated technologies companies fail to manage their supply chain because they dont know what to measure. Data Analytics for Supply Chain Management Data Analytics suggests converting raw data, which the company has, to gain useful information about the various processes, efficiency and then use that information for strategic decision making. It could be considered a performance management framework that helps companies set their goals, analyze their progress, gain insight, take action, and measure their success. It helps identify trends, perform comparisons and highlight opportunities in supply chain functions, even when large amount of data are involved. This technology can help decisions makers in supply chain areas such as sourcing, inventory management, manufacturing, quality, sales and logistics. Data Analytics advantage to Supply Chain Management Get an up-to-date view of each phase of the supply chain to expose issues before they can result in problems. Percolated information which can help suppliers and production planners take corrective action and fine tune plans and schedules. Empowered executives vested with the power to oversee important metrics of supply chain like quality of vendor, inventory shortages and production yields along with other key performance indicators. Identify critical supply chain details like most reliable suppliers with balances outstanding, inventory of warehouses, and material demand/supply chain. Better forecasting of demand Detailed information about inventory levels Maintaining constant supply of products Lower costs of goods by ordering optimal quantities Minimizing cost of excess and obsolete inventory Tight cash flow management Overview of logistics of the entire supply chain For a successful use of Data Analytics it is imperative that we should know what to measure i.e. identifying Key Performance Indicators for each element of the supply chain. What follows below is an analysis to deduce the KPIs for some elements of the supply chain and monitoring those KPIs to attain competitive advantage. Identifying Key Performance Indicators Key Performance Indicators, also known as KPI or Key Success Indicators (KSI) are used to measure the progress of an organization towards attaining its long term goals. The selected Key Performance Indicators should be quantifiable (measurable) and must be reflective of the organizations strategy. In addition, they should also be the key to the organizational success. Key Performance Indicators usually are long-term considerations, in a sense that their definitions and methods of measuring them do not change often. This would have some exceptions if the organizations goals change, or as it inches closer to achieving a goal. The legendary Paretos Principle, 80% of the benefit will be derived from 20% of the activity also holds well in the case of these metrics. And therefore, choosing the right metrics is critical and less is also more. KPI for Supply Chain Management Above are the KPIs identified for some elements of Supply chain. Please note that we are not proposing any ch anges in the supply chain. This is because we believe lot of companies do not understand the underlying problems in their supply chain. If we can manage the supply chain by measuring the KPIs and give management an important tool to understand each element of the chain, we believe it will greatly enhance the efficiency of the supply chain and give them the competitive advantage. What we have done is to create some model dashboards to illustrate how the same can be done. How can we measure the Suppliers Performance The first dashboard shows how an organisation can measure the supplier performance. Selection Criteria : Supplier Supplier performance has been measured across the criteria which are listed below. For each criteria we have given a weightage that can vary across organisations. A score on a scale of 10 is awarded to each supplier for each criteria, following which the overall rating is calculated. Savings versus Target : This indicator captures the revenue saving the company registers by partnering with a particular supplier versus its set target.Companies today donot partner with lots sof suppliers but only a few key suppliers to enhance collaboration and communication. However saving cost is also an objective.Allocated weight: 0.2 Delivery Lead Time Inventory Level: Consider a situation where the supplier doesnt deliver the raw materials on time. A situation like this can disrupt the entire supply chain. Of the several possible causes, one reason could be the supplier might be running out of stock. This can be disastrous for the company and can lead to loss in customer and market share. This is captured in the second and third criteria. Allocated weight: 0.25. (Figure: 1- To see the working model click here : Dashboard for supplier performance. Note the dashbaords are designed by the team using SAP BI Objects.) Score Card for the overall rating. Product Quality : Loss in market share of an organization can be attributed to delivery of defective products in the market. Most of the time this is caused by production fault. Yet another reason can be the quality of raw materials that are received from Supplier. Allocated weight: 015 Product Innvoation: Innovation comes with a cost. Suppliers continously keep on innovating their products to enhance quality, create a differentiation which can provide competitive edge to not only suppliers but the company which buys them. Though innovation is important but the other criteria highlighted above are core to measure suppliers performance and hence we gave a low weightage to innovation and more weightage to other criterias. Allocated weight: 0.05 The Dashboard highlights all these criteria for each supplier and also the overall rating. A score board is provided for the decision makers to know the ratings of the suppliers. Note we have shown the ratings for the year 2009 but performance can be measured along various dimension lik time, product, location etc. The dashboard below shows the trend analysis for Supplier A. We can see that the overall rating of the supplier A has been continously declining and it is not wise for the management to carry on further busin ess or renogotiate with this supplier. (Figure 2- To see the working model click here : Dashboard for supplier performance. Click on the Show Trend tab on the top right corner of the dashboard. Inventory, Customer and Prodcution Performance Inventory and Production performance show the internal strength of the companies while suppliers and customers show the external linkages of the organization, and how well it collaborates with them. Effectively measuring the success indicators for Inventory Production is a key to reduce cost, waste and increase efficiency. Knowing what to measure and measuring effectively is key to manage well. We have shown some indicators below, more indicators can be added across various dimensions. What we have captured is the Inventory Level, Product Quality , Inventory Turn over days across two hypothetical product A and B for the quarter ended on June10. Top customers by sales value have been identifed for the same Quarter for both the products. Customer Sales : The pie chart shows the top 5 cutomers by sales for Product A. The same can be seen for product B. Figure 3: To see the working model click here : Customer Inventory Production Management Dashboard. Note the dashbaords are des igned by the team using SAP BI Objects.) For Product A 65% of the total sales value comes from the top 5 customers. If we can monitor the important customers and the type of products they buy, then we could come up with customized options and schemes so as to gain their loyalty. Also, Customer related KPIs like new customers acquisiton, Shipping accuracy, Delivery Team, Percentage of prducts accurately deliveres, Percentage of product return which are not shown here can be captured and fairly indicate the customer satisfaction. For example suppose a company has operations throught India. We are analysing the indicator Percentage of product return(defective). We can start with analysing, for which product and from which geographical regions we are having the maximum return. Once we have identified the region, we can further drill down to know the state, and city information. We can further analyse the Distributors performance in the city and see is there is any fall in revenue fro m a particular distributor. Through the Dashboard, we can conclude say Percentage of retruns for Product A is maximum in Cuttak, Orissa, Bhubaneswar from Distributor A. We can then deal with distributor and try to understand the root cause and take decision to correct the problem. We can also track the performance of the Success indicators across product lines, geographies or a particular customers segments. The whole concept behind this to know your customer well. Till now we have mentioned about the External collaborations required to enhance the effectiveness of the supply chain. The below section talks about the internal strength of the company. This constitute the ability to manufacture and produce the quality product. In the model we have shown the Inventory Level, Inventory Turn Over day and Quality of Products manufactured. Other KPIs like Sales Production, Inventory management are also very crucial for any organization as increase in inventory drastically reduces t he PBIT for the company. It is crucial that the management gets the up-to-date information on the Inventory levels and the Inventory Turnover days. We have also shown the Quality of the products for the Quarter. For Product A the Quality of the products was continusly increasing throughtout the Quarter (Figure 3), while for Product B we see a sharp decline in Quality. This lead to the differentiation in the revenue from the Top 5 customers for Products A B. For Product A it is 65% of the total sales value and for B it is just 47%. Because of the decline in the Quality of the products delivered we can book sharp decline in Figure 4: To see the working model click here : Customer Inventory Production Management Dashboard. Select Product B from the Select Product Menu). Sales revenue. If we analyse the Revenue for the whole organization consisting of many products lines without a dashboard it becomes almost difficult to understand where the problem lies. Through a Dashboar d, as in this case, we can know that for Porduct B there is decline in Sales Revenue because of not adhereing to the Quality. Hence management doesnt need to waste there effort understanding the whole supply chain. A timely and accurate information through a dashboard can make their lives easier, enable them to quick fix the problem and hence give them a competitive advantage. What we have tried to show here is that every company has the pool of data starting from supplier to customers. But very few companies are efficiently managing it. This is where our modeled dashboard comes to rescue. The key learning is that whenever sales comes down or there is a delay in delivery, which can lead to major changes in the supply chain process, it is imperative to understand the root cause of the problem which could be in a diverse range, starting from Cutomer segments, geographical location to production and manufacturing. Dashboards enable manager to identify the exact problem in their supp ly chain. Efficently monitoring each phase of the suppy chain will lead to huge competitive advantage and will enable the managers to focus on the acutal issue instead of incurring unwanted expenditures and efforts. Conclusion Through this paper we are not proposing any changes in the exisitng supply chain, rather, we are suggesting to manage the supply chain by measuring the KPIs. This would give management an important tool to understand each element of the chain and evaluate their performances. We believe that the above mentioned techniques will greatly enhance the efficiency of the supply chain and pave the way for competitive advantage.

Student Loan Debt - 2542 Words

Student Loan Case 1) Summarize the student loan industry. Answer with respect to both public and private loans and be clear as to which you are referring to. a) What led to the inception of the student loan market? The inception of the student loan market started like any other loan market, there were a large amount of borrowers who needed money now to invest in college to make more later that were matched with lenders who had excess funds and wanted return on the funds. The National Defense Education Act of 1958 which provided loans to students in higher education institutions started the student loan market. This was supposed to help train students to get jobs that will help them succeed and in turn help our nation succeed. b) What†¦show more content†¦The Market size of student loans is $1.2 Trillion, private accounting for $0.2 Trillion and federal accounting for $1 Trillion. Student Loans taken out have been increasing, student loan debt outstanding has been increasing and average student loan debt per borrower has been increasing. Some believe that these may cause problems and increase outstanding debt and defaults which taxpayers have to pay. While government professionals may believe that taking a hit now to help consumers get higher paying jobs may be worth it in the long run so they can start consuming. 2) How have student loans been treated in bankruptcy historically and today? a) Include in your answer information about how the treatment impacts lending b) Include in your answer information about how the treatments impacts the economy c) There is some controversy here why does that arise? d) What might happen if the laws changed? Before 1976 student loans were dischargeable in bankruptcy; this policy did have some loopholes though and when it comes to loopholes in money you do not want to leave many. Student loans stopped becoming dischargeable because they were afraid that the students would take advantage of the opportunity to file bankruptcy and rid themselves of student loan debt and drain the system. Disallowing the discharge of student loan debt helps to increase incentives for lending since borrowers are stuckShow MoreRelatedStudent Loan Debt And Consumer Choice2824 Words   |  12 PagesStudent Loan Debt and Consumer Choice In today’s society, student loans are haunting the lives of millions of postgraduates all over the United States. Students who have carelessly taken out loans and those in serious need of financial aid for their college education are now burdened with thousands of dollars worth of debt. As the student debt average continues to increase in our nation, the budgets of postgraduates begin to dwindle and the amount of defaults grow dramatically. With the large studentRead MoreStudent Loans And Student Loan Debt898 Words   |  4 Pagestelevision. Unfortunately, at a staggering $1,200 per month in student loan repayment debt partly because she was misinformed of the terms of her student loan (55). Debt is foreseeable but student loan debt can leave borrowers distraught at the mere thought of the unrealistic terms (Hillstrom 55). All students entering college need to be aware of student loans and how they impact the future; either negatively or positively. For some students, a college degree is the key to success but for others theRead MoreThe Debt Of Student Loan Debt1168 Words   |  5 Pagesconsumer debt, which help contribute to the large sums of debt countless Americans find themselves faced with. Directly effecting many college students is student loan debt. Student loan debt is now the second largest form of consumer debt behind housing† declares the Federal Reserve Bank of New York (Grisales). This is due to the fact that student loan debt grew 7.1% in 2014 to $1.2 trillion (Grisales). If this statistic alone is not worrisome this next one is sure to be. The amount of debt in theRead MoreStudent Loan Debt1074 Words   |  5 Pagesof Financial Literacy Available in Regard to Student Loan Debt This personal finance paper will concentrate on the insufficient amount of guidance that is available concerning student loans. The purpose of this paper is to illustrate how prospective and current college students are ill prepared in their education and understanding of student loans. Three major issues that will be outlined in this paper include the large majority of college students are no longer able to pay for college out of pocketRead MoreStudent Loan Debt778 Words   |  4 PagesPersuasive Speech Rough Draft Outline Title: Student loan Debt Crisis Speaker: Markevia Lee Specific Purpose: To persuade the audience of their choice of taking out student loans. Thesis Statement: College is not something to put off until after you have graduated, students need to find ways to pay for college before they graduate. I. Introduction: Attention-getter: The increasing trend of college students graduating with significant more student loan debt than job prospects is both alarming andRead MoreStudent Loans And Student Debt1128 Words   |  5 Pagesthe moment for many students are student loans. Young college students who don’t have the money, don’t have enough scholarship money, or family who doesn’t have the money to pay, will apply for student loans each year. They amount the student receives can vary depending on the college and what the student has achieved academically. Though interest rates are low with subsidized being 4.29% and unsubsidized being 5.84% (Federal Student Aid Interest rates and Fees), student loans still have a huge effectRead MoreStudent Loan Debt: Is it worth it?1364 Words   |  6 PagesStudent Loan Debt: Is it worth it?   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Many high school students are beginning their senior year and have already started to stress about how they will pay for their higher education. Although many students will have scholarships and financial aid, a lot more will struggle to pay for schooling and will have to take out multiple student loans. Many people wonder if higher education is worth the debt the country and the students are in and it is, however, there are alternatives.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Read MoreBenefits Of A Student Loan Debt991 Words   |  4 PagesWhen a student finally graduates from college there is this excitement that comes to you. 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As the result ofRead MoreThe Student Loan Debt Total1736 Words   |  7 PagesThe student loan debt total was about nine hundred and two million dollars to one trillion dollars in the United States in 2012; the federal student loan debt made up about eight hundred and sixty-four billion dollars of the total debt (Driscoll and Clapp). Many people in the United States that cannot afford college tuition and additional fees take student loans and/or federal grants. Student loans are different from federal grants in that the loans have to be paid bac k with interest, while federal

Sociology2 Essay Example For Students

Sociology2 Essay SETTING. THUS THE TREATMENT OR DRUG SHOULD BE ADMINISTERED TO THOSE WHO ARE INFECTED BUT NOT ON AN MARIJUANA IS ILLEGAL IN FIFTY STATES BECAUSE OF ITS CLASSIFICATION AS AN ILLICIT DRUG, BUT CONTROVERSIAL ISSUES HAVE BEEN ESTABLISHED THAT THIS ILLICIT DRUG HAS IMPROVED THE COURSE OF TREATMENT FOR SUFFERING PATIENTS. MARIJUANA HAS BENEFICIAL EFFECTS WHEN USED IN MEDICINAL SCENARIOS FOR THE TREATMENT OF PAIN; THUS IT SHOULD BE AN ADMINISTERED DRUG FOR PATIENTS WHO CAN BENEFIT FROM THE USE OF THIS DRUG. MARIJUANA HAS UNDERGONE ANALYSIS FOR ITS USE AS A MEDICINE AND THE RESULTS HAVE SHOWN IMPROVEMENTS IN THE PATIENTS WHO WERE TREATED WITH THIS DRUG. DOCTORS HAVE EXPRESSED OPPOSITE OPINIONS, MAKING THIS ISSUE VERY CONTROVERSIAL. AS THE DEBATE ABOUT MARIJUANAS USE AS A MEDICINE CONTINUES, EXPERTS HAVE GIVEN US INFORMATION PERTAINING TO ITS POSITIVE EFFECTS WHEN USED PROPERLY. MUCH OF THE CONTROVERSY FALLS IN THE HANDS OF THE GOVERNMENT, WHICH PURPORTS THAT MARIJUANA IS NOT A SAFE MEDICINE, VERSUS THE DOCTORS WHO RESEARCH THE TOPIC FOR MEDICINAL PURPOSES. GRANTED, NOT ALL DOCTORS FEEL CANNABIS SHOULD BE A LEGAL PRESCRIBED MEDICINE, IT IS IN THEIR HANDS TO DECIDE SO. THE INSTITUTE OF MEDICINE HAS IGNITED THE CONTROVERSY WHEN IT SAID SMOKING MARIJUANA IS RISKY, BUT ALSO RECOMMENDED THAT CRITICALLY ILL PATIENTS SHOULD BE ALLOWED TO USE IT UNDER CLOSELY MONITORED SETTINGS (KOCH 707). A SPECIALIST AT THE NATIONAL CANCER INSTITUTE AUTHORIZED HIS PATIENTS TO USE THE DRUG, BUT NOT OVER DO IT (KOCH 708). WITH ALL THE SPECULATION, ONE WOULD THINK THAT DOCTORS WOULDNT BE SO EAGER TO OFFER THE DRUG AS A RELIEVER. THE NATIONAL INSTITUTE OF DRUG ABUSE RENDERS APPROXIMATELY 300 FREE JOINTS EACH MONTH FOR PATIENTS WHOM ARE ENROLLED IN AN EXPERIMENTAL PROGRAM (IVERSEN 12). THE GOVERNMENT PROCLAIMS THERE IS NO THERAPEUTIC VALUE IN THE MEDICINAL USE OF MARIJUANA, BUT THEY DO NOT HAVE HARD EVIDENCE TO PROVE IT (GRINSPOON 46). IRA GLASSER, EXECUTIVE DIRECTOR OF THE AMERICAN CIVIL LIBERTIES UNION, (AT A CONGRESSIONAL FORUM) EXPRESSED: THE GOVERNMENT HAS DEMONIZED ALL DRUG USE WITHOUT DIFFERENTIATION AND HAS SYSTEMATICALLY AND HYSTERICALLY RESISTED SCIENCE.(KOCH 714) POSSIBLY IF THE TWO SIDES WOULD WORK TOGETHER AN AGREEMENT COULD BE ESTABLISHED CONCERNING PROCEDURES FOR FURTHER DEVELOPMENT AND TREATMENT. MARIJUANA HAS EASED THE PAIN OF CHEMOTHERAPY, SEVERE MUSCLE SPASMS CAUSED BY MULTIPLE SCLEROSIS, WEIGHT-LOSS DUE TO THE AIDS VIRUS, AND OTHER PROBLEMS (WWW.ABCNEWS.GO.COM/MEDMJ990317.HTML). EXPERTS FROM THE NATIONAL INSTITUTE OF HEALTH OR NIH HAVE CONFIRMED THAT MARIJUANA IS AN EFFECTIVE, SAFE AND INEXPENSIVE ALTERNATIVE FOR TREATING NAUSEA CAUSED BY AIDS MEDICATIONS AND CANCER TREATMENTS OTHER SUCH AILMENTS AS GLAUCOMA, MUSCLE SPASMS, INTRACTABLE PAIN, EPILEPSY, ANOREXIA, ASTHMA, INSOMNIA, DEPRESSION AND OTHER DISORDERS (IVERSEN 23). OTHER SUCH AILMENTS IN WHICH MARIJUANA HAS BEEN SAID TO HELP ARE PARKINSONS DISEASE, HUNTINGTONS DISEASE, REPETITIVE MIGRAINES, AND ALZ HEIMERS, BUT THE NIH HAS NOT REPORTED THOSE RESULTS (ERROR! BOOKMARK NOT DEFINED.). THE NATIONAL INSTITUTE OF MEDICINE SHOWS US THAT THE BENEFITS FROM CANNABIS SHORT TERM USE DOESNT HINDER THE POSSIBLE HAZARDS OF ITS LONG-TERM USE (ROSENTHAL 58). MARIJUANA HAS BENEFICIAL OUTLOOK FOR SOME ILLNESSES, BUT EXPERIMENTATION IS LIMITED DUE TO ITS UNLAWFULNESS. THE POSITIVE EFFECTS OF THIS DRUG ARE HELPING A LIMITED NUMBER SO DOCTORS HAVE TRIED TO WORK WITH THE GOVERNMENT TO CREATE A RELIABLE WAY TO DISTRIBUTE THE DRUG WITHOUT SMOKING IT. THE WORK BEING DONE TO FIND A CHEMICAL FABRICATE SHOULD CLARIFY THAT MARIJUANA HAS SOME MEDICINAL VALUE. IN 1986 A THC BASED SYNTHETIC CALLED MARINOL WAS APPROVED BY THE FOOD AND DRUG ADMINISTRATION, UNFORTUNATELY IT DID NOT TREAT AS WELL AS CANNABIS (ROSENTHAL 61). GOVERNMENT EXPERTS HAVE INDICATED THAT MARIJUANA DOES RELIEVE PAIN, AND OTHER DISORDERS, BUT IT DOES NOT CURE THEM, THEREFORE CAN NOT BE LEGALIZED AS A PRESCRIPTION DRUG (GRINSPOON 55). IN MANY CASES MARIJUANA HAS BEEN THE BUILDING BLOCK FOR RECOVERY, AND IT HAS GIVEN SICK PEOPLE A CHANCE TO MOVE ON WITHOUT THE TENSION AND PAIN (WWW.ABCNEWS.GO.COM/MEDMJ990317.HTML). GOVERNMENT EXPERTS HAVE CONCEALED SOME INFORMATION ABOUT SIMILAR PRESCRIPTION DRUGS, SUCH AS: PERCOCET AND CODEINE. BOTH ARE VERY ADDICTIVE AND THEY ONLY RELIEVE THE PAIN. MEDICINAL MARIJUANA HAS SIMILAR SIDE EFFECTS AS THE OFTEN PRESCRIBED STIMULANTS, BUT IT IS NOT QUITE AS ADDICTIVE (ROSENTHAL 125). MARIJUANA IS NOT SO DIFFERENT FROM OTHER FREQUENTLY PRESCRIBED .udaa6da8dfc9b819366580b71e29e9a5a , .udaa6da8dfc9b819366580b71e29e9a5a .postImageUrl , .udaa6da8dfc9b819366580b71e29e9a5a .centered-text-area { min-height: 80px; position: relative; } .udaa6da8dfc9b819366580b71e29e9a5a , .udaa6da8dfc9b819366580b71e29e9a5a:hover , .udaa6da8dfc9b819366580b71e29e9a5a:visited , .udaa6da8dfc9b819366580b71e29e9a5a:active { border:0!important; } .udaa6da8dfc9b819366580b71e29e9a5a .clearfix:after { content: ""; display: table; clear: both; } .udaa6da8dfc9b819366580b71e29e9a5a { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .udaa6da8dfc9b819366580b71e29e9a5a:active , .udaa6da8dfc9b819366580b71e29e9a5a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .udaa6da8dfc9b819366580b71e29e9a5a .centered-text-area { width: 100%; position: relative ; } .udaa6da8dfc9b819366580b71e29e9a5a .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .udaa6da8dfc9b819366580b71e29e9a5a .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .udaa6da8dfc9b819366580b71e29e9a5a .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .udaa6da8dfc9b819366580b71e29e9a5a:hover .ctaButton { background-color: #34495E!important; } .udaa6da8dfc9b819366580b71e29e9a5a .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .udaa6da8dfc9b819366580b71e29e9a5a .udaa6da8dfc9b819366580b71e29e9a5a-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .udaa6da8dfc9b819366580b71e29e9a5a:after { content: ""; display: block; clear: both; } READ: Fitness And Training Essay