Criminal Justice System Case Study Example | Topics and Well Written Essays - 2000 words

Criminal Justice System - Case Study Example In the first section of the report I will also summarize not just the role and approach of the consortium I represent but also the organization's response to the overall consultation. To describe the British Retail Consortium, an introduction of the organization would be based on what is given on the website of British retail consortium. It is one of the leading associations representing all kinds of retailers from all parts of Britain. According to the website, 'The British Retail Consortium is the lead trade association representing the whole range of retailers, from the large multiples and department stores through to independents, selling a wide selection of products through centre of town, out of town, rural and virtual stores' (brc.org, 2008). The mission statement of the company focuses on the vision and mission of the company that aims at creating a vibrant and sustainable retail industry and also defends the retailers' interests. Improving retail services in general and providing advice and other kind of help services to the retailers are also equally important. The actual mission and vision of the organization as available on the organization website is given here: from brc.org, 2008 The British Retail Consortium also works closely with governments on campaigning and policy issues and maintains constructive relationships with governmental departments. The BRC has strong ties with governmental and non-governmental organizations including the DFID, the Department of Health, Revenue and Customs, Home Office, Health and Safety Executive as well as several non governmental organizations (BRC.org, 2008). The Policy Action Group of the BRC provides responses to government on policies that would be burdens to the retail sector and recommends changes for smoother working of public and private sector. BRC undertakes regular consultation responses and policy consultation is an essential part of BRC's wide ranging activities. The Policy Action Group of the British Retail Consortium has been especially established to tackle responses and consultations with Government departments and this particular exercise on policy appraisal of the Criminal Justice System falls within BRC's responsibilities on providing the right kind of consultation and responses to policies dealing with sentencing cases of theft from a shop. CONSULTATION RESPONSE: The consultation response to the policy on theft from a shop that the British Retail Consortium provides for the Criminal Justice System would be aimed at maintaining the best interests of the consumers, retailers from all sectors, the government, the sentencing guidelines council and the criminal justice department. According to

Manage oh$s task 3 Essay Example | Topics and Well Written Essays - 1500 words

Manage oh$s task 3 - Essay Example ent and policy, planning, implementation, measurement and evaluation, and management review of the health and safety systems in order to ensure continuous improvement to the plan. The plan covers employees, visitors to the department, contractors and suppliers, and to a limited extent, students. This policy recognises that the ADMC is responsible for the health and safety of all employees in the workplace. In fulfilling this responsibility the management of ADMC has a duty to provide and maintain a working environment that is safe and without risks to health. To meet the objectives of this policy checks should be made regularly to ensure that the following is adhered to: State (Y/N) A successful OHSMS is based on continuous improvement of the cycle. Continuous improvement is about doing things, reviewing them and improving them where possible. The Plan, Do, Check, and Act (PDCA) strategy can be used to ensure continuous improvement. This is discussed in the following sections. 15.5 Act - If checks carried out reveal that things are not going according to plan then the process has to be reviewed. Even if checking reveals that things are working well it is still important that some improvements are made to the process on a timely basis. This challenges the Safety Manager to think outside of the box. The actions need to also be integrated into other aspects of the operations. Provision of biological and sanitary waste bins, encourage staff to wash hand after using rest rooms, advise pregnant women if case exists, infected persons to be referred for medical treatment, provide information on signs and symptoms of communicable disease, sterilise contaminated areas, sanitation and cleaning schedule, workplace inspections, provide gloves, safety goggles to cleaners buy less or non hazardous substances, store hazardous substances in flame proof cabinets and locked storage rooms, install fire detection systems and fire extinguishers, carry out emergency evacuation

Financial Services Reforms Act

Financial Services Reforms Act SECTION 1 INTRODUCTION What are the main aims of the two financial services reforms from 2001—2012? There are two major reforms from 2001-2012 in the financial service industry, such as: Financial services reforms Act (2001) The FSRA introduced in October 2001, administrated by ASIC, become mandatory on 11th March 2002. The FSR amendments to the Corporations Act 2001 (the Act) introduced three main changes which are: Licensing and conduct of financial service providers. The FSR amendments to the Corporations Act 2001 (the Act) introduced a single licensing regime for financial advice and dealings in relation to financial products. An entity that operates a financial services business must now hold an Australian financial services (AFS) license or be authorized by a licensee. Introduced the training policy Known as RG 146, required to get the new AFSL (Australian Financial service License). The Act also seeks to provide consistent and comparable disclosure in relation to financial products and services (including) advice. A single authorization procedure for financial markets and clearing and settlement facilities Future of Financial Advice (FOFA) reforms:- FOFA became mandatory on 1 July 2013 (and was voluntary from 1 July 2012). The objectives of FOFA are to improve the trust and confidence of Australian retail investors in the financial services sector and improve access to advice. The FoFA reforms key elements are: A legal requirement for financial advisers to act in the best interests of their clients. A ban on conflicted remuneration being monetary and non-monetary benefits given to a licensee or representative who provides financial product advice (personal and general) to retail clients which could reasonably be expected to influence the choice of financial product recommended or the financial advice given. On-going fee arrangements requiring the provision of fee disclosure statements and renewal notices to retail clients receiving personal advice. Increased ASIC powers to enforce elements of the FOFA reforms. What does the best interest of the client mean? From the July 1st, 2013, as per new legislation known as The Future of Financial Advice (FOFA), financial advisors and planners in giving advice to their retail clients gives priority to the best interests of the customers. Now advisors didnt only advise their clients about only the products they have on their approved product list (APL) but also refers to their retail clients to other advisors APL, if it is in their best interest. They should not focus on their own fees, but it’s their duty as per legislation (FOFA) to consider the client interest ahead of their own interest. ASIC has explained this duty in the ASIC Regulatory Guide 175 as: Acting in the best interests of the client: best interests duty (s961B) Advice providers must act in the best interests of their client in relation to the advice. One way an advice provider can demonstrate they have done this is by showing they have carried out certain steps in advising their clients. These steps, which act as a ‘safe harbour’ for complying with the best interest duty, are set out in s961B (2). To satisfy the steps for safe harbour in s961B (2), an advice provider must: 1. Identify the objectives, financial situation and needs of the client that were disclosed by the client through instructions. 2. Identify the subject matter of the advice sought by the client (whether explicitly or implicitly). 3. Identify the objectives, financial situation and needs of the client that would reasonably be considered relevant to the advice sought on that subject matter (client’s relevant circumstances). 4. If it is reasonably apparent that information relating to the client’s relevant circumstances is incomplete or inaccurate, make reasonable inquiries to obtain complete and accurate information. 5. Assess whether the advice provider has the expertise required to provide the client with advice on the subject matter sought and, if not, decline to provide the advice. 6. If it would be reasonable to consider recommending a financial product: conduct a reasonable investigation into the financial products that might achieve the objectives and meet the needs of the client that would reasonably be considered relevant to advice on that subject matter; and assess the information gathered in the investigation. 7. Base all judgements in advising the client on the client’s relevant circumstances. 8. Take any other step that, at the time the advice is provided, would reasonably be regarded as being in the best interests of the client, given the client’s relevant circumstances. The licensee or authorized representative will bear the financial liability for any breach of duty. Individual advisors may be subject to administrative sanctions, but not financially liable for any breach of the duty. Prepare a checklist of what documents you must provide to your clients as per the reforms. As per Financial Service Reform Act 2001 the financial planners must provide FSG (Financial Service Guide) to the existing as well as new expected retail clients. The FSG is an important disclosure document as it helps the clients to decide whether to get financial services from a licensed. FSG must be given to the client as soon as practicable after it becomes apparent that the client will or likely to acquire financial service and in any event before the financial service is provided. It is important to know that FSG is not required when the client is not a retail client and where no financial service is provided. As per section (942 C), FSG must include:- The title â€Å"Financial Service Guide †on the cover of or at or near the front of the Financial Service Guide document. The FSG must be dated. The name and contact details of the licensee and (their license number) and the authorized representative and the statement showing that the advisor is an authorized representative of the licensee. Information about the types of financial services (as authorized under the license) offered to retail client. Information that a (SOA) statement of advice (not required for general advice) and /or a Product Disclosure Statement (PDS) may be provided to the client. Information about all the remunerations (including commission) and other benefits received or likely to be received on provision of financial services, including for referrals. Details of any associations/ relationships that may reasonably influence the licensee or the authorized representative in providing the services to the client. Information regarding client concern and the licensee dispute resolution systems. Details regarding the privacy of clients personal details and how such details will be used and handled (as per the privacy act regulation). Describes the different types of client leads? There are three types client leads:- Cold leads, generally referred to just name with little or no other information normally obtained from sources like database, phone book or third party. Their priority to contact is very low as they lack of qualifying information. When making contact with cold leads, it’s important to know that Hawking provisions may relate. Warm leads there is some prospect that contact will be productive and their detailed and specific information availability will ensure that they do not breach the hawking provisions must be specific. Hot leads are the ones where the prospect is known to be interested to take services of a financial planner. They may have asked directly for a product or service and these leads should be contacted at as early as possible. Which of the six basic steps in the financial planning would include lodgement of the paperwork and obtaining all the signatures necessary for the recommendations in the financial plan to be actioned? The six basic steps in the financial planning process are:- i. Preparation Fact Finding Data Analysis and developing a recommendation Preparing a written Recommendation Implementation Review On Implementation stage – Presenting recommendations and gaining agreement to proceed. At this stage after preparation of written recommendations, financial planner plan to take appointments from the client and well prepared financial planner at this stage have all the relevant documents ready for the clients signature. On completion of presentation, interview the paper work needs to be lodged promptly so that recommendations can be implemented and the plan commenced Why a financial plan may need to be reviewed? With the passage of time many things changes, so the financial plan also requires regular reviewing and change in order to make it more realistic. Here are a few reasons that call for to review and change of your financial plan. Variation in financial conditions: changes in the financial / economic condition in the economy have a greater effect on many investment decisions when you feel that your progress towards the achievement of planned goals becomes slow besides the required time lapsed because of changes in external conditions then you should modify /change your investment goals, make them achievable and profitable in present situations. Changes in income / Job: Because of uncertainty and unemployment in the market it is possible that any time may be you lose your job or your income not increase as expected, in both situations your contributions towards your financial goals will be reduced. On the other hand, if your salary increases beyond your expectations as because of promotion / bonus, this enables you to achieve your current financial goal earlier than planned or because of surplus funds you may look for new investments. Unexpected increase in expenses: Sudden medical / accident expenses rise in household expenses as overall prices of goods and services have increased may require to cut down your savings and if you have no other contingency fund in yours plan this can upset your financial goals and enforce to review and bring changes in your financial plan. New Goals: Trend in market change e as time passes like if you have invested in savings accounts, then you may want to invest your funds in building societies or credit unions or s unit trust if they are now offering better interest rates and lower tax benefit. Number of dependent: At the time when your children are small dependent on you then the yours financial goals will be to increase life insurance coverage, but as they grown up and settled in their life your priority changes and now you want to spend more for your health insurance, secondly no of children (dependent) or death of any family loved one also impact upon yours cash flows and yours financial plans Risk Tolerance Fator: When a person is young, he may take risky investments young and energetic and have less responsibilities, but as the time passes that person in older age will try to go for investments where the risk factor is very low as to safeguard his principal. What are the key recommendation areas? In developing the recommendations the key areas which the financial planner will consider are:- How the financial position can be improved - share, property, bonds, unit trust. Ways to accumulate funds for retirements. superannuation. Options to generate funds in retirement rollovers, pensions. Protection of beneficiaries will, life insurance, estate planning. How to protect lifestyles income protection, disability insurance. Protection of assets general insurance cover. Keeping in view the above mentioned key main areas, financial planner also follow the rule of â€Å"Know your client† which means trying to understand clearly what your clients want to achieve from investments of their fund. After clear understanding of the clients needs/ goals, following the rule ofâ€Å" Know your product† financial advisor determine by which available products or strategies the clients needs can be fulfilled in the planned time frame. Selection of different investment options /product advisors also keep in mind that there are certain external factors like economic and financial conditions in the economy, which may call for a change in investment strategies or increase in planned time frame of objectives. Finally, the advisors develop the actual recommendations of a financial plan and discuss these recommendations with the client so that at this stage they can be reviewed or altered as per client input. According to best business practice, how often should a client review interview take place? Financial advisors frequently review the financial plan to access its progress as it is still appropriate or required alteration with the consent of the client. Short term reviews normally take place in every six months on the basis of following reasons: Significant changes in the clients current life circumstances, such as get married, increases or decrease in dependents, change in income status or loss of job etc. Changes in the economic conditions like establishment of new monetary laws, inflation, changes in tax rates as these can affect the investments. Its clients own desire to have more frequent reviews However, routine reviews should take place about approx, every 12 months.

Where Are You? Essay -- Creative Writing Essays

I ran down the stairs, trying to catch my breath. My heart was pumping itself out of place. I leaped to the last step and threw myself into the kitchen. I found my sister clutching her ears and bashing her head against the wall. ‘Chris, honey stop it, I’m here now, Sshh be quiet,’ I cried to her trying to make her let go of her ears in order for her to hear me. ‘NO, GET AWAY!’ she threw me across the room and I smashed myself into the wall. She started to go bright red, shaking so hard I could see her from three metres away. Her eyes were pouring tears out. I sprinted over to her and hugged her so firmly, it hurt me. She then stopped; she relaxed; hugged me back and whispered†¦ ‘I’m sorry Ashley, I’m really sorry, its -’ I cut her sentence off. ‘Just shush Chrissie, just be quiet,’ I demanded. She whimpered in my arms and was still shaking. She whispered I’m sorry again. * * * I lay her in bed, sitting beside her, stroking her silky blonde hair. ‘Sweetie its three in the morning, you have school tomorrow, I want you to go to sleep, and no matter what don’t wake up. Okay ?’ I assured her. ‘I’ll try†¦Ã¢â‚¬â„¢ she replied back. I smiled at her and switched her light off. I crept out of the room, trying my best not to distract her. Slowly, I made my way to my room and let myself collapse to the floor and cry. This was the second time it had happened. I had been through a lot of things but nothing had effected me this much. I didn’t know what it was, but it hurt me so much and I don’t think I could take it anymore. Gradually, I got back up and gazed around at the state of my room. It was 03:18a.m There was roughly five hours to get ready. Too much time. I lay in bed wondering if perhaps I should ask for help. They’d probably... ...floor. My eyes watched the little girl lay deadlocked on the floor. ‘Chrissie?’ I didn’t have the strength to say mum but I did. ‘Mum?’ I glared towards the motionless body that lay on the floor. Outside was a helpless little girl that meant no harm to anyone; inside was a horrifying monster tearing her apart. Her eyes opened once more, a colour I couldn’t describe, something I hadn’t seen before. ‘I love you†¦Ã¢â‚¬â„¢ I ran over to the paralyzed body. I stroked the little girls hair. She lay in my arms and I didn’t bother to check if she was alive or not. Because I knew I had lost her. Chrissie and Mum. Forever. Moderately, I stretched up and strolled to Chrissie’s room. I curled up into a ball on her bedroom floor. My arms were wrapped around my legs and I was shivering. Who was I to cry for? Could this have happened? But I knew one thing†¦ They had gone†¦ The End†¦

They Poured Fire on Us from the Sky

About the Book Benjamin, Alepho, and Benson were raised among the Dinka tribe of Sudan. Theirs was an insulated, close-knit world of grass-roofed cottages, cattle herders, and tribal councils. The lions and pythons that prowled beyond the village fences were the greatest threat they knew. All that changed the night the government-armed Murahiliin began attacking their villages. Amid the chaos, screams, conflagration, and gunfire, five-year-old Benson and seven-year-old Benjamin fled into the dark night. Two years later, Alepho, age seven, was forced to do the same.Between 1987 and 1989, thousands of other young Sudanese boys did likewise, joining this stream of child refugees that became known as the Lost Boys. Their journey would take them over one thousand miles across a war-ravaged country, through landmine-sown paths, crocodile-infested waters, and grotesque extremes of hunger, thirst, and disease. The refugee camps they eventually filtered through offered little respite from the brutality they were fleeing. In They Poured Fire on Us From the Sky, Benson, Alepho, and Benjamin, by turn, recount their experiences along this unthinkable journey.This is a captivating memoir of Sudan and a powerful portrait of war as seen through the eyes of children. And it is, in the end, an inspiring and unforgettable tale of three young boys who, cast against all elements, had the will, the tenacity, and the very good luck to survive. TEACHING AND READING GUIDE In the Classroom This disarmingly intimate memoir delves beyond headlines to bring readers deep into the heart of the Sudanese conflict – and into the flight of three children determined to escape it. It deciphers Sudan’s struggle from the inside. Who is fighting it? Why?Who are the victims? How did these boys survive without food, without family, for so long? At the same time, the journey of Benson, Alephonsion, and Benjamin over these many years and these thousand miles reveals how small minds comprehe nd and process the violence of war. Their story also begs the question: Can and should the international community intervene? What can be done? Pre-Reading Activity Have students bring in recent news articles and clippings regarding developments in Sudan. Try to piece together the conflict from these accounts and clippings. Discuss the history of Sudan’s war.How do the students feel about the conflict? What do they think it is like to grow up during wartime? You may also invite them to bring in articles regarding intervention or immigration. Do they think intervention important? How do they feel about refugees, like the Lost Boys, seeking asylum in this country? USING THIS GUIDE To the Teacher: Reading and Understanding the Story examines the reader’s comprehension and retention of the book itself, and of the war as Benson, Alepho, and Benjamin relate it. Students should refer to the narrative to answer these questions.Themes and Context encourages students to use the book as a lens into larger ideas, events, and issues. These questions encourage students to think freely and independently on the war in Sudan and the broader moral and political debates stemming from it. Teaching Ideas offers course-specific projects, essays, and discussion questions for classes: English/Language Arts, Geography, History, Science, and Social Studies. READING AND UNDERSTANDING THE STORY Definitions Ask students to define the following terms with reference to the book: Dinka; SPLA; refugee; jihad; genocide; murahiliin; UNHCR. ComprehensionLook at a map of Africa. Locate Ethiopia, Kenya, Sudan, Kenya. Identify the Nile River. Find Sudan’s capital city, Khartoum. Try to locate Bhar al Ghazal (the region where the Dinka live). Before this phase of the Sudanese war, a treaty had brokered peace between northern and southern Sudan. What was the name of this treaty? (See Judy Bernstein’s introduction. ) Describe the landscape in which the authors grew up. What was their village life like? Benson recalls first learning of the war around village fires. What does he learn from the tribe elders? For much of his journey, Benson wears red shorts.Where did he get these? They are almost ruined one night. What happens to them? Why does he treasure these shorts so much? Along their journey, Benson, Benjamin, and Alepho meet many kind family and friends. Who is Monyde? Who is Yier? Why are they important in this story? Despite their clear desperation and young age, time and again the boys find villages turning them away, denying them food, and directing them back into enemy hands. Why do the villages do this? Yier recalls the government storming Wau Wau University. â€Å"We were led to the dorms and questioned: Do you know the leader of the rebels, ______? What was the name of this leader? As the refugee camp takes shape at Panyido, the UN begins sending food relief. What do they send? How does this diet differ from the usual Dinka diet? What are some of its mis-intended consequences? (see p. 92) Benson writes â€Å"I have many bad memories that I will never erase from my brain† but of these, the flight from Panyido stands out. Why were the Sudanese forced to leave Panyido (Ethiopia)? The refugees had only one means back into Sudan. What was it? What were the perils of this flight? Who was Mr. Hyena? Why did the refugees call him that?Name two positive aspects of Kakuma life for the Lost Boys. Name two negative aspects of it. At Kakuma, refugees receive food in the form of grain rations. Though the rations are small, many still end up selling some portion of these at the market. Why do they do this? What are the consequences when the camp learns of this underground grain market? The journey through the refugee camps and finally, to America introduces the Lost Boys to a new language (words like â€Å"dessert† and â€Å"because†), a new culture, and many new things. Recall two episodes where the authors en counter new objects or concepts.Describe their initial reaction in each instance. BROADER THEMES AND QUESTIONS FAMILY AND FRIENDSHIP. Robert E. Lee once said â€Å"What a cruel thing is war†¦ to fill our hearts with hatred instead of love for our neighbors. † After reading this book, do you think this is always the case? How does war impact families? How does it shape friendships? What qualities does it bring out in people throughout the story? RITES AND INITIATIONS. â€Å"My mother wore the radiating scarification mark on her forehead as a sign of her bravery† remembers Benson. Rites and initiations are important aspects of the Dinka culture.Explain two different cultural initiations common to the Dinka. What is the role of such rites in a culture? Do you know of any such rites, initiations, and/or identifying marks in your own family or culture? GROWING UP. Though torn from their homes and their families, the Lost Boys were still very much children. From their e arly childhood in the village to their adolescence in the refugee camps, we watch them grow up in this story. Can you relate to any of their experiences growing up? What about the games they play? How do they view and interact with the opposite sex? How do their views of education relate to your own?How do their perceptions of adults and authority figures change through the story? THE â€Å"OTHER†. Benson’s father attempts to describe the enemy to his children. He explains: â€Å"The government troops are Arabs and call themselves Muslims. The Arabs wear a long white dress with a large handkerchief tied on their ears†¦They speak a strange language that we cannot understand. † But when he continues he says: â€Å"You must beware. Some of the Muslims are traitors from Dinka tribes; they speak the way we do. † Imagine Benson’s confusion. Are friends and allies easily distinguished in war?Consider how we try to describe and define people â€Å"ot her† than our peers and ourselves. Do physical traits define who we are and who we are not? Link this idea to recent other conflicts and wars: Rwanda; Vietnam; the Israeli-Palestinian conflict. LIFE AS A REFUGEE. Kakuma Refugee Camp in Kenya is the light at the end of a long and dark journey for the Lost Boys. They risk everything and endure unspeakable pain, hunger and thirst, just to enter the camp. Yet the camp presents them with its own menaces and challenges. After several years in the camp Benson decides he hates it than â€Å"more than anyplace. What makes him say is this? How do the Kenyans and the camp administrators treat the refugees? What is life like as a refugee? SPIN. Joseph Goebbels, the Propaganda Minister in Nazi Germany, once declared: â€Å"We have made the Reich by propaganda. † Throughout They Poured Fire on Us from the Sky, we see government and rebel forces alike manipulating facts and media to their own ends. Consider the role of propaganda in the book. How and why do you think leaders use propaganda? What is its purpose? What is its impact? Have you ever heard of or encountered propaganda in your own media? What about in the government?GEOGRAPHY AND CULTURE. When the Sudanese government institutes Sharia law over all of Sudan, the Dinka tribes grow angry. Benson recalls the village elders complaining: â€Å"We have too much to do with our cattle, our plantations and hunting†¦. † What is Sharia Law? What are some of the reasons the southerners resist it? What role do you think physical and geographic constraints play in determining the ideals and traditions of a community? TEACHING IDEAS English/Language Arts Ask students if they know of any immigrants, in their family or community, who came to the US from another country?Have them interview these individuals about their journey and present that person’s story to the class. Allow students to decide the medium for their presentation. For example, they ca n create a video-audio montage, enact it before the class, or rewrite that person’s story as a first-person narrative. Immigration and interventionism make major news headlines these days. Have students select one of these issues and research both sides of the debate. Then have them select a position, write a position statement on the issue, and then team up to â€Å"debate† the issue in class. Have students create a Kakuma Camp newspaper.Possible sections could include: Arts and Leisure, Sports, International News, Op-Eds, Marketplace (which could include articles on food rations or the state of trading in the Kenyan marketplace). Geography Make a map of Sudan. Have students chart out the major cities, rivers, mountains, and deserts. Have them demarcate the northern/southern divide and indicate the primary religion, resources, and activities of each region. â€Å"Piecing together Africa†. As the boys recall the landscapes they cross in they journey, they reveal Africa to be a land of rich and varied terrain – far more so than American students sometimes think.Create a large outline map of Africa. Cut out the countries and divide these among the students. After researching their country(s), students should report back with their cutout clearly indicating the major physical and geographic traits of that area. Now reassemble the map (preferably on a large surface). Have the students examine the reassembled map and try to understand the great geographic differences and divides of this continent. The southern tribes resist Sharia Law because, in part, as farmers and cattle-herders: â€Å"We don’t have time to pray five times a day. Have students research Islamic countries and report back on the major geographic features of these countries. What are the major resources, commodities, and products of these nations? Does physical geography correlate to cultural geography? Ask them what role they think geography played in shaping tra its of their own communities. History Colonization, violence, and civil war represent only a part of Sudan’s history. Create a Sudanese cultural timeline around the classroom. Assign students to specific periods in Sudanese history and ask them to research major events and cultural elements in that era.Have them create posters and/or dioramas replete with images and any objects they might find that illuminate their portion of the Sudanese timeline. History is always being created, and sometimes revised, by its sources. In August of 2005, John Garang died in a plane crash in Sudan. Have students locate accounts of this plane crash. Be sure they consult a variety of news media publications: left, right, American, British, African, Sudanese. Have them read the different accounts out loud to the class. Do these vary at all in facts or in tone? Discuss the importance of noting, and cross-referencing, sources in historical research.Science â€Å"We were all heads and hipbones. â⠂¬  Along the journey, the boys describe unimaginable hunger, such that they become like â€Å"stoneheads† teetering along. Investigate the impact of hunger on the human body. What are the caloric needs of the body? How does hunger impact body functions? How does it affect mental capacity? Have students consider their own diets and create caloric scales. Balance their daily intake of calories versus those the boys received (through their rations) at Kakuma. Have students identify the major illnesses and diseases that appear in this story (e. g. ehydration, snake bite, yellow fever, dysentery). Have them create a medical chart of these diseases. What are the causes? What are the symptoms? What is the treatment? Social Studies The UN is a large and complex organization. Have the students research and create an organizational chart of the UN system. How is it organized? How is it governed? How is funded? Where do groups like the UNHRC fit in this scheme? How are such subsidiary bodies programs administered, funded, and maintained? Have students read the UN Convention on the Crime of Genocide. What organizations report on instances of genocide today?Find examples of such reports in recent times. Distribute a template to the students and have them complete a rights report on one of these recent crises. Though governments, and economists, dislike them, underground economies can be necessities – at least to the producers and consumers within them. Why do the Kakuma refugees sell some of their precious rations? Why does the UN consider this wrong? Have students consider the case of Kakuma trading and set up a mock trial/debate that argues the social and economic consequences of such markets within aid-dependent economies.

The Vygotskian Socio Cultural Theory Education Essay

Lev Vygotsky was a psychologist that revolutionised the universe with his theory on socio-cultural development. His theory of socio-cultural development centred on the impression that a kid learns through grownups or equals. In other words a kid ‘s cognitive development is engaged through the kid ‘s environment, this means that a kid develops through interaction with other persons. Vygotsky ‘s theory differed from other theoreticians theories ; one of them was Piaget, a Swiss psychologist. His theory was that kids learn from the interior out, this means that a kid takes their ain cognition to the universe ( as discussed in category ) . Piaget ‘s theory focused on two constructs, one was the construct of assimilation, which is a cognitive procedure whereby new experiences and information are placed in the cognitive construction of the kid. The other construct is adjustment ; this is a cognitive procedure which refers to the ensuing Reconstruction that takes top ographic point when new information is taken in. Vygotsky on the other manus believe that a kid ‘s acquisition takes topographic point from the exterior in, which merely means that a kid ‘s environment determines what s/he learns. In Vygotsky ‘s socio-cultural acquisition theory one must familiarize oneself with the constructs before we can get down to hold on the thought of theory and utilize it right. The most of import characteristic to hold on is the zone of proximal development. The zone of proximal development is defined as the difference between what a scholar can make without aid and what he or she can make with aid ( Wikipedia ; the zone of proximal development ) . In footings of one ‘s apprehension, the ZPD is the distance between the existent development degree of a kid as determined by independent job resolution and the degree of possible development of a kid as determined through job work outing through equal or grownup interaction. The existent development of a kid is the maps that have already matured and the scholar understands. The possible degree of development is the maps still in ripening, the apprehension has non developed. The ZPD allows scholars to intercede through societal interaction. ( Maths method: 1 ; Goba, B ) Vygotsky believed in three of import facets that form his theory, this is the societal context, linguistic communication and mediation. These three facets are of import in the sense that ; the societal context is the context in which scholars are coming signifier. So they may come into the universe with some sort of cognition already instilled in them, this cognition may non needfully be right. Some scholar ‘s societal context may implement some sort of racism this may do the kid racialist. In other words kids gain their cognition through societal contexts, from birth the kid ‘s societal interaction depicts the sort of cognition s/he will convey to society. Because the environment is of all time altering, cognition is of all time altering. So cognition is ne'er inactive. The following facet is linguistic communication being the frontal line for the footing of this theory. If a scholar can non understand linguistic communication be it mathematical, mark or the linguistic communication medium, the scholars knowledge can non turn and spread out because of a barrier with does non allow the development of the scholars cognitive construction. Language is a manner to pass on, and if linguistic communication is non understood than the communicating nexus is broken. And the last facet is the function of mediation. In order for effectual communicating to take topographic point at that place must be some signifier of mediation to help the communicating. This is where the ZPD comes into drama. The scholar may non understand a peculiar construct by manner of mediation, something or person that aids the apprehension so the kid goes from what they do n't understand to what they can hold on. Harmonizing to Vygotsky, â€Å" Every map in the kid ‘s cultural development appears twice: first, on the societal degree, and subsequently, on the single degree ; foremost, between people ( interpsychological ) and so inside the kid ( intrapsychological ) . This applies every bit to voluntary attending, to logical memory, and to the formation of constructs. All the higher maps originate as existent relationships between persons. â€Å" The socio cultural theory is so defined as a theory of larning that looks at the part society as made in an person ‘s development ( psycology.about.com ) . It does non merely concentrate on the scholar as an person but as the scholar and cultural context on a whole. Vygotsky explained this theory in footings of linguistic communication. He argued that societal interaction signifiers this new larning through the ZPD where scholars gain new linguistic communication through societal interaction. It outlines of a linguistic communication as uniting both the traditional behavioral and lingual place of linguistic communication. This theory of linguistic communication can propose that the function of the environment can bring forth differences in understanding. The socio-cultural theory was adopted by Jerome Bruner and made westernized, now it ‘s used all over the universe.Case survey:My name is Triona Pillay and I ‘m 19 old ages old. I live in an Indian township. This twelvemonth I did my instruction pattern 220 at an Indian school which many non American indians besides attend. After learning pattern 120 and all the different fac ets we covered with the fluctuations of school types we could travel to, I thought I ‘d be good equipped to manage any schoolroom state of affairs with the manner in which learning pattern 120 had instructed us to. However the schoolroom situations we encountered was different to the 1s we were told to conceive of. Traveling into Teach at a school where the medium of linguistic communication is English was what I perceive to be easy because that my place linguistic communication and that ‘s the linguistic communication that scholars should be familiar with. But that was merely the beginning of my job during my instruction pattern. Bing a mathematics pedagogue was more hard as scholars could n't hold on specific constructs. My first error was that scholars had prior knowledge to the subjects being taught, in the instance of my class: 10 category, the subject was analytical geometry. They did n't understand that when a negative is squared the figure because positive. The scholars taught prep was a gag and category clip was for socializing. And so I had the instructor ‘s position who said that the scholars know the work and they complain for nil that they do n't understand. Society has deemed that it ‘s by and large that black scholars that do n't understand English and wo n't be able to understand what is being asked, but in this school the Indian scholars got confused with the English. Simple operations like 3x=9, hence ten =3 the scholars did n't understand how the reply 3 is obtained. Another thing that I found dismaying was that the schoolrooms were obviously n simple with no existent postings to do the schoolroom a topographic point where scholars want to come. All in all my instruction pattern was a existent experience on how scholars and grownups and their environment act upon their behavior and public presentation. Something that I found rather absorbing was during a staff meeting and they were discoursing why a peculiar scholar behaves so horrid at school and one of the suggestions was because of the manner his male parent treats him. Apparently the male parent really hit the kid in forepart of the instructor and walked off and a twosome of other times the male parent sent the kid with burst lips. This is non the lone ground I believed for the jobs I ‘ve encountered. I believed at that school it ‘s a popularity competition were everyone wants to suit in so the brilliant people stick to the smart people and the blue 1s maintain to their kin. And one time you come to rate: 8 u get initiated into one of those tonss. This is my personal positions on the state of affairss that occurred during my instruction pattern and some of the grounds why I believe the state of affairss occurred.Problem work outing utilizing Vygotskian socio-cultural theory:The major job I identified during learning pattern was the deficiency of both mathematical linguistic communication and cognition and the ability of the scholar to show their thoughts or sentiments in category due to the linguistic communication barrier of practical English words. First I ‘d wish to indicate out that job can non be solved over dark. It requires gradual input from both the instructors and the scholars. My first program of action in my category is to promote reading in my category. Possibly I can propose that the school put in topographic point 30 proceedingss of rea dings in the forenoon. The section of instruction does direct schools educational newspapers that they can give to scholars to read. The more the scholars read the more the scholars build up their vocabulary. My co-workers and I can present 10 new, interesting and exciting words that the scholars can utilize during the hebdomad, at school to replace the mundane words that they use all the clip. Using Vygotsky ‘s rules will take some patients from both the scholars and the instructors particularly for instructors who have been learning for 20 plus old ages, many people are non subjected to alter. The following measure as a maths instructor is to construct on anterior mathematical cognition and actuate the scholars, so that if they understand the rudimentss the remainder will follow. I could besides promote the scholars with higher Markss to assist those who are missing behind. We can besides hold excess categories during the interruption to heighten their mathematics accomplishments. This is a great thought as scholars can remain out of problem and acquire work done. The scholars need proper staging and we as instructors need to supply the necessary counsel. Vygotsky introduced that a kid learns through his or her environment so if the kid is taught in an environment conducive to larning the kid may bask coming to that schoolroom and larn something. I could propose to scholars that they join equals who traveling to better their instead than act upon them negatively. The following thought is a slippery one because from the clip I was in school I noticed instructors who tried to make out to scholars whose environment at place is unstable, changeable down by parents who think they know it all and believe that the instructor is interfering and should mind their ain concern. To hold a parent meeting is sometimes ineffectual because the good scholars parents merely end up coming and the parents you need to see do n't. Harmonizing to Vygotsky in a schoolroom state of affairs we the instructors are the go-between, we should hence be care how we give off information because scholars are immature and can sometimes misinterpret what we say. So when instruction, as a hereafter instructor I need to do certain I ‘m clear and precise. Concepts need to be to the point and one should non crush around the shrub. I could besides present the construct of motive in my category. If I aid the scholars in their acquisition and even in their efforts in larning I will be able to take them from the known to the unknown. Using motive scholars will desire to â€Å" seek † and work harder and by this get a better usage of both the medium of linguistic communication and the mathematical linguistic communication as a whole. The schoolroom environment is another are that I can promote scholars development. If I make the schoolroom environment a merriment manner to larn and scholars wo n't acquire laughed at and hit down for seeking. Children learn from their errors so if I encourage them and they give the incorrect reply and we correct it, they wo n't bury. In decision my belief is that Lev Vygotsky was a psychologist whose theory greatly influenced the universe. His socio-cultural theory if understood decently can help both instructors and scholars efficaciously to accomplish top consequences. I besides believe that parents should seek their best to give their kids the best societal contexts and maintain them off from negative influences. As a hereafter instructor I ‘ve learnt a batch from Vygotsky ‘s theory and will utilize this theory productively when I start learning.

Current Affairs In Banking Sector Essay Example

Current Affairs In Banking Sector Essay Example Current Affairs In Banking Sector Essay Current Affairs In Banking Sector Essay whereas all sales of gold is domestically will be against upfront payments. RIB cut report rate by 0. 25% in sixth bimonthly policy stated 2014-15: RIB cut its main lending rate (report rate )by 0. 25% with immediate effect in its sixth bi-monthly monetary policy as announced on 5th Jan 2015. Changes in bank rate are reflected in the prime lending rates offered by commercial banks (to their best customers), which in turn affect investments such as bank deposits, bond issues, mortgages. Cash reserve ratio (CAR):CAR means Cash Reserve Ratio. Banks in India are required to hold a certain proportion of their deposits in the form Of cash. However, actually.

Caution

Caution: before reading this essay I just want to let you know that this book just *censored*ing sucks!Ok, now you may continue! I recieved a 90 for this paper out of 100. Daniel Roke, an experienced Australian stud farmer, has been hired to investigate a series of horse dopings throughout Englands racing circuit. Dan, hoping to break free from his dull and tedious life in Australia, accepted the offer when it was presented to him by The Earl of October. Seeing as how October was one of the most respected and successful people in the business, Dan was offered 20,000 pounds for the completion of his job. With his family in mind Dan set off to Octobers stables where he first began the mission that would change his life forever. In Dick Franciss newest mystery novel, For Kicks, Daniel Roke discovers his true self by risking life and limb trying to expose the secret underground world of horse doping. Disguised as a stable lad, Dan makes his way through some of the dirtiest stables in England starting at Octobers and working his way down to Hedly Humbers, all while earning the reputation of a criminal. Dans investigation takes him to places hed never been before and makes him an enemy as well as a friend to many. Dan quickly learns that people who would abuse horses would do far worse to humans and that as soon as you enter Humbers stable its no holds barred. The author uses Daniel Roke, a well-known stud farmer in Australia, to depict the harsh realities of horse racing that many overlook. Throughout Dans adventure he begins to realize how badly stable lads are treated and how often they are stereotyped as being terrible people. He also finds it extremely difficult to stand by and allow people to abuse horses the way they. Dan absolutely hates the disrespect and cruelty that the horses have to withstand and is completely shocked when he witnesses it first hand. This ...

How You Can Get an ACT Fee Waiver Complete Guide

How You Can Get an ACT Fee Waiver Complete Guide SAT / ACT Prep Online Guides and Tips Do you feel like testing costs are presenting a barrier in your path to college? The good news is, you might be eligible for an ACT fee waiver, which waives the cost of taking the ACT. In this article, we help you figure out whether you’re eligible to get an ACT fee waiver form. We also discuss what the waiver covers and doesn't cover, as well as the steps you must take to use your fee waiver while registering for the ACT. But first, let’s look at who is eligible for an ACT fee waiver. ACT Fee Waiver Eligibility Criteria In order to get an ACT fee waiver, you first need to check that you're eligible for one. Here is the criteria you must meet: Be enrolled in high school (11th or 12th grade) Be a U.S. citizen or an international student testing in the US, US territories, or Puerto Rico Meet one or more of the indicators of economic need listed below: You’re enrolled in a federal free or reduced-price lunch program at school, based on USDA income levels (see table below) You’re enrolled in a program for the economically disadvantaged (for example, a federally funded program such as GEAR UP or Upward Bound) You reside in a foster home, are a ward of the state, or are homeless Your family receives low-income public assistance or lives in federally subsidized public housing Your family’s total annual income is at or below the US Department of Agriculture (USDA) levels for free or reduced-price lunches listed below USDA Income Level Guidelines (2017-18) Members in Household* Total Annual Income 1 $22,311 2 $30,044 3 $37,777 4 $45,510 5 $53,243 6 $60,976 Each additional member Plus $7,733 per member Source: ACT.org *Members in household include filer. If you’re not on Free and Reduced Lunch but meet one of the other requirements, you might have to providedocumentation, such as tax records, to prove your eligibility. Now that you know whether or not you’re eligible, let’s look closer at exactly what the ACT fee waiver does and doesn't cover in terms of costs. What Does the ACT Fee Waiver Cover? The ACT fee waiver covers the basic registration fee for either the ACT without Writing or the ACT with Writing.If you’re eligible, you can get a maximum of two waivers, meaning you will be able to take the ACT for free twice. Fee waivers are valid through August 31 each year, so you might have to get one waiver your junior year and the other your senior year.You can also waive the fee to send one score report to your high school and up to four score reports to colleges. Speak with your guidance counselor to learn more about how your school handles ACT fee waiver distribution. What Does the ACT Fee Waiver NOT Cover? The ACT fee waiver doesn't cover late registration fees if you register past the normal deadline. It also doesn't cover fees forchanges in your registration, such as changes to your test date, test center, or test option (with or without Writing), or standby if you wish to be put on a waitlist. As mentioned above, the fee waiver will cover four score reports to colleges. Any additional score reports will have to be paid for. Currently, they are $13 each. Finally, a fee waiver can only be used once for registration. If you miss the test you signed up for, you can’t use the same fee waiver again. So make sure you don’t miss your test! How to Get an ACT Fee Waiver To get an ACT fee waiver, first speak with your school counselor. Counselors receive the fee waivers directly and are responsible for getting them to students. This doesn’t mean you should wait for your counselor to come to you, though. As you design your testing plan, get this taken care of early- ideally by the beginning of your junior year.This way you can confirm that you'll have the fee waiver before you choose a test date. When you register for the ACT, you'll need to enter your ACT fee waiver code- i.e.,the serial number printed in the top-right corner of your fee waiver form. If you have any additional charges not covered by the fee waiver, such as extra services or test-date changes, you'll have to pay for these by credit card before you finish registering. If you don't have any other charges, your registration for the ACT will be completely free! 3 ACT Prep Tips If You're Using an ACT Fee Waiver Before you take the ACT, you need to know how to prepare and study effectively in order to get a good score on test day. Here are three tips for those who have secured an ACT fee waiver: #1: Prepare Ahead of Time Preparation is the #1 factor to improving your ACT scores, but you need to make sure you’re prepping right. This means you must do the following: Understand your strengths and weaknesses Use high-quality ACT prep materials Set manageable goals Understand the ACT format and the skills being tested You can alsocheck outour free ebook detailing the five most important tips all students need to know to master the ACT. #2: Choose a Test Date and Center That Work Well for You As we mentioned above,sign up for a test date and centerthat'll work for your schedule. You can’t reuse the same ACT fee waiver should you miss your test, so it's critical to pick a place you won't have trouble getting to and a time you won't miss. If you are limited to taking the ACT twice (since you can get a maximum of two fee waivers), you'll want to design your testing plan around this fact. Almost all students improve their ACT scores on a second attempt, and many colleges will superscore your ACT score(i.e., consider your highest section scores across all dates to calculate your strongest composite score). In terms ofoptimal test dates, many students test in the spring of their junior year and again in the early fall of their senior year. With careful planning and customized preparation, you'll be able to maximize your two (free) ACT testing opportunities. #3: Use Realistic Practice Tests Whether you're taking the ACT once or twice, make sure totake official ACT practice tests under simulated testing conditions as you prep. By timing yourself, taking short breaks, and even practicing on a Saturday morning (as you'll do on the real test), you'll gradually get used to the ACT's pacing and develop the stamina you need to perform your best on test day. Recap: Getting and Using an ACT Fee Waiver All in all, getting and using an ACT fee waiver is a pretty simple process, as long as you know where to start. Before you apply for a fee waiver, check the ACT website to confirm that you are eligible. Then, talk to your counselor to get more information on how to apply and send one in. The ACT fee waiver covers the full cost of the ACT (with or without Writing) but does not cover extra charges such as changes to your test date or test center. Note that you can get up to two fee waivers in total, and you can't use the same fee waiver for more than one test. In terms of tips, make sure you have access to your fee waivers well ahead of registration for your preferred test date. Also, definitely communicate with your school counselor, as he or she will have access to the fee waivers and will be there to support you throughout the college process. If you plan to get two ACT fee waivers, make sure you have enough time to take the ACT twice. Don’t wait until senior year to get your first fee waiver since this likely won't give you enough time to take the ACT more than once. What’s Next? Curious about other ACT costs?Learn how much the ACT costs in full and get useful tips on how to save money on the ACT. How long is the ACT?Get familiar with the timing and pacing of the testso that you can prepare yourself effectively for test day. Aiming for perfection? Read expert tips and strategies from a 36 full scorer. Even if you're not aiming this high, our guide is helpful for improving scores at any level! Want to improve your ACT score by 4+ points? Download our free guide to the top 5 strategies you need in your prep to improve your ACT score dramatically.

Advocates of Human Rights and Champions of Countrys and Citizens Research Paper - 2

Advocates of Human Rights and Champions of Countrys and Citizens Safety - Research Paper Example Hence, people who are convicted in the lower courts, but have appealed successfully to higher courts could neither be removed from office, nor could be deprived of other citizens rights, like getting elected for an elected post, or exercising voting rights etc. So, indictment or formal charge against any person is not evidence of guilt because unless proved otherwise, the person is supposed to be innocent. It is the fundamental safeguard in the British system. â€Å"It is precisely in order to protect this presumption of innocence that defendants are not generally required to face evidence which, while it may be highly prejudicial, does not actually prove the particular case against them† Keeping this exclusive right of the defendant, he is excluded from ‘similar fact evidence’ meaning similar crimes committed by the accused in past will not have any bearing on the present case. Human Rights have become the most important principles of law today, in all civilised countries. The world is, at last, acknowledging that individual and his rights are greater than any other rights, as long as it does not encroach another’s individual rights. Hence, human rights come to the forefront while dealing with individuality as the core matter of it. â€Å"Throughout the world, in international relations and international law, discourse is increasingly being conducted in the language of human rights. This trend represents the significant inroads which are being made by the international community of nations on the notion of state sovereignty,† (Feldman, 2002, p.35).

Analysis on how healthcare is delivered in the United States as Essay

Analysis on how healthcare is delivered in the United States as compared to how healthcare is delivered in three other countries - Essay Example to healthcare delivery in United Kingdom (National Health System/Service), the Netherlands (Socialized Health Insurance), and Canada (National Health Insurance). The United States is a capitalist nation and this has been transferred to healthcare delivery, i.e., the patient has to pay for the service as they receive it from the doctor. According to Tanner (2008), this is an indicator that healthcare in the U.S is private-based with an estimated 85% of the population covered by insurance plans. Private companies exist in the U.S to provide health insurance where clients pay monthly fee for insurance and the company pays the client’s doctor for services rendered. Clients pay according to the risk they are willing to insure; thus, if a client pays more for an expense, then the company will charge less for the insurance and vice versa (Tanner, 2008). Most employers in the U.S pay for worker’s insurance which is considered as an employment benefit that adds up to the employee’s salary. However, few Americans can pay for their own insurance owing to high cost relative to their income. Another insurance provider is the government itself as it allocates considerable funds from the budget to healthcare programs. In addition, Tanner (2008) asserts that those who are not insured as a result of poverty receive medical cover via Medicaid which is funded by both the federal and state taxes. On the other hand, the aged and children receive medical cover via Medicare which is funded by taxes from federal income. Of all the developed countries, the U.S is believed to have the highest medical expenses (Tanner, 2008). This is another capitalist country which applies the fee-for-service system of medical delivery only that the administration of the plan is done by government entities (Tanner, 2008). This system sees the healthcare services of the country covered universally and coverage for all citizens is achieved for all ten provinces. In Canada, Tanner (2008) reveals that

Strategy Implementation Term Paper Example | Topics and Well Written Essays - 750 words

Strategy Implementation - Term Paper Example In centralized organizational structure, the authority for decision making is determined at the top, and a few people being responsible for making decisions and creating organization’s policies. Decentralized organization structure means that every level of management throughout the organization is given authority to decision and policy making. Lines of authority have limits and powers, that is, separate, different levels of an organization structure. These lines define different groups of people such as the manager, human resource team, and chief engineers. Lines of communication are the path one follows to convey given information from one level of an organization to the other until the top level is reached (Pryor, et al, 2009). This helps make efficiency of performance increase among the workers as they are free to convey their issues to the top groups with ease. According to Pryor et al. (2009), committees are the most formal of these types of work group, appointed or sele cted to perform a function on behalf of a larger group. They must be headed by a committee chair and are composed of individuals representing different points of view e.g. junior or senior faculty. A team is a group of people with complementary skills organized to function cooperatively as a group. They change the culture of an organization from one tradition to a focused level so that to forefront change. Task forces are work groups comprising experts, in specified areas of knowledge, and skills to accomplish an objective. Systems The company budget is set annually based on the previous year expenditure with considerations for expected maintenance, acquisition of new airliners and staff training, promotions and the projected cost of operation. The company’s strategic plan, e.g., expected expansion, diversification, insurance costs and cooperate responsibility, is factored. As stated by Bower (1966), planning is the process of developing and maintaining a project plan that pr ovides supporting details to the project definition in terms of resources, time, cost, scope, and schedule. In the airline company, the plan provides the framework that will ensure that the project results are achieved within defined performance objectives of time, cost, quality, and slope. The planning is both at an individual and collective levels and involves five phases: first, the purpose and principles definition, where the question why is answered and the boundaries sets and focus toward completion done. Secondly, the expected outcome is visualized. Thirdly, idea generation that is brainstorming for moving project to completion. Fourthly the suggested and brainstormed ideas are organized to set the sequence and priorities. Lastly the next course of action is identified. The performance evaluation measures in the airlines involve the use of annual net income, market value per share, quality of strategic and business plans, customer satisfaction and the skills of the employees. The team is evaluated based on; attendance and constructive participation in team meetings, contribution to a group effort independent of team meetings, ability to work as a team, and overall contribution (Bower, 1966). People According to Bower (1966), employees in an airline must possess skills that help them deliver the expectations of the organization. They include skills in catering, maintenance, machines operations, human resource and many others. They are the skills gained by employees in their various

The two phases of enlightment in Malcolm x's life Essay

The two phases of enlightment in Malcolm x's life - Essay Example Malcolm X was arrested for burglary in 1946. He was jailed for seven years. During this time, he educated himself through reading on various issues. From his ignoble days of street crime, his rise to the â€Å"stature of one of the most profound catalysts of the civil rights movement† came about as a result of powerful changes in his thought patterns. He attributed his transformation to two revelations that he had, which enlightened and empowered him. From extensive reading, Malcolm discovered Allah and the religion of Islam. Thus, from staunch atheism, he converted to the Muslim faith. This proved to be his first enlightenment. He achieved a major turnaround from his downward spiral of declining moral character, and rise up progressively. This helped him to develop the progressive side of his heritage, that is â€Å" â€Å"the potential for racial self-identification and self-productive aggressivity† (Wolfenstein: 209). In 1952 he took the last name X, in rejection of the white man’s name (X: 119). Malcolm X was a Muslim, a consistent Black nationalist, and a revolutionist of action (Ryan, 2008). Malcolm X became a minister within the Nation of Islam, and was held in high honour in the Muslim world. The second revelation was brought about by his brother Reginald, who visited him in jail.

Refrigeration Laboratory Lab Report Example | Topics and Well Written Essays - 2000 words - 1

Refrigeration Laboratory - Lab Report Example Additionally, high water inlet temperatures substantially affect R134a temperature. Consequently, high water inlet temperatures led to rise in intermediate temperatures. In addition to that, optimal temperature is directly proportional to ambient temperature (Neese and Oravetz, 2003). This temperature in turn affects evaporation temperature of cycles that occur at low stages hence inducing the increase of optimal temperature. Result also indicated that there was a correlation between coefficient of performance, water inlet and ambient temperatures. As a result, coefficient of performance deteriorates at high water inlet temperatures and low ambient temperatures and vice versa and it is a common phenomenon in air water heat pump systems (Radermacher and Hwang, 2005). The apparatus had numerous sharp bends with narrow bores that substantially increased pressure of the refrigerant due to viscous friction. Refrigerant usually leave the evaporator chamber below ambient temperatures. This makes it gain temperature from the surrounding to increase superheat. Inadequately insulation at the suction line prevented this from happening (Venkatarathnam, 2008). The motor used to compress refrigerant, from suction pressure to discharge pressure, is not 100% efficient. This experiment opened up so many possibilities of recommendation that can be done to improve the plant and study techniques used. The entire valve at the joint should be fitted to prevent gas from escaping. The inefficient motor should also be replaced with an efficient one so as to save energy. Friction reduction measures are very important. Lubricant and oil should be smeared on the Inner lining of the walls of the suction pipes to reduce friction between the fluids and the walls. Man-made chlorine, especially Chlorofluorocarbons depletes the ozone layer making it permeable to dangerous ultra violet rays reach the earth. It was due this concern that the Montreal Protocol, an

Debate over English Only Essay Example | Topics and Well Written Essays - 750 words

Debate over English Only - Essay Example ThecaseofJoseph Vento, owner of Geno's Steaks in Philadelphia,willbediscussedinthisregard. InDecember,2007,thecaseofPhiladelphiaCheesesteakShopOwner,JosephVento,whohaddisplayedthesign'ThisisAMERICA:WHENORDERINGPLEASE'SPEAKENGLISH'hadbecomehighlycontroversial(foxnews.com).Tothis,Ventoreiteratedthathewasnotindulgentinmakingdiscriminatoryremarksoractivities.HesaidthathewasofItalianoriginandevenhisparentsandhe,hadtolearntheEnglishlanguage.Thiswasbecause,EnglishwastheunifyinglanguageinacountryliketheUS,wherethepopulationisdiverse.Onecannotpossiblyconverseinalllanguagesthatthepopulationwouldcomefrom. Hence,hefelt,thattheEnglishlanguagebeingtheinternationallanguage,wouldbeidealforunifiedcommunicationandavoidinganybreachincomprehension.Healsosaidthatsincethecountryhadimmigrantsfromdifferentcountriescomingin,theywouldspeakintheirownlanguage.Thiscouldnotbeunderstoodbyoneandall.Hence,hehadtoputuptheboard,tobeabletopassonthemessagethatcustomersatisfactionforabusinessisindeedimportant,forwhichservingtherightitemswasimperative.Onlyaunifyinglanguagecouldhelpincommunicatingwhatthecustomerneeds,inabetterway.Fullyconvincedbyhisreply,Vento'sattorneyShannon.L.Goessingsaid,"Thecaseshould,withoutquestion,bedismissed.Thereisalegitimatebusinesspurposeforthissign." Inspiteofthedecision,anumberofpartiesareforandagainsttheissueofputt... he'Whitesonly"postingsoftheJimCrowera.'Thesignsgiveafeelingofbeingunwelcomeandbeingexcluded, Charlessaid."(Philadelphia Cheesesteak Shop Owner Defends 'Order in English' Policy Saturday,December 15, 2007,Associated Press http://www.foxnews.com/story/0,2933,316939,00.html) ENGLISH AS THE OFFICIAL LANGUAGE OF THE US Many people in the US debate that English should be made the official language of the country. This would bring about a common ground for unhindered communication and minimize comprehension errors, misunderstandings and misinterpretations. By making the English language the official language, even immigrants can converse without really having a problem. However, the challenge here lies in getting the immigrant force to understand and comprehend English. This largely depends on their backgrounds and it translates into meaning that if they do not know English, it would be very difficult for them, to live at ease in the US and converse. On the other hand, this would help all and sundry in gaining a common understanding and linguistic identity. This would work towards promoting unity in diversity. It would go a long way in unifying the masses under one common umbrella of linguistic unity, irrespective of subjective linguistic orientations and origins. ENGLISH AS THE ONLY LANGUAGE If English is made the only language in US that is officially recognized, it would spell doom to the huge number of citizenry that come from other linguistic backgrounds. Ever since globalization has impacted the world, US has gained immensely from the steady influx of immigrants

Refrigeration Laboratory Lab Report Example | Topics and Well Written Essays - 2000 words - 1

Refrigeration Laboratory - Lab Report Example Additionally, high water inlet temperatures substantially affect R134a temperature. Consequently, high water inlet temperatures led to rise in intermediate temperatures. In addition to that, optimal temperature is directly proportional to ambient temperature (Neese and Oravetz, 2003). This temperature in turn affects evaporation temperature of cycles that occur at low stages hence inducing the increase of optimal temperature. Result also indicated that there was a correlation between coefficient of performance, water inlet and ambient temperatures. As a result, coefficient of performance deteriorates at high water inlet temperatures and low ambient temperatures and vice versa and it is a common phenomenon in air water heat pump systems (Radermacher and Hwang, 2005). The apparatus had numerous sharp bends with narrow bores that substantially increased pressure of the refrigerant due to viscous friction. Refrigerant usually leave the evaporator chamber below ambient temperatures. This makes it gain temperature from the surrounding to increase superheat. Inadequately insulation at the suction line prevented this from happening (Venkatarathnam, 2008). The motor used to compress refrigerant, from suction pressure to discharge pressure, is not 100% efficient. This experiment opened up so many possibilities of recommendation that can be done to improve the plant and study techniques used. The entire valve at the joint should be fitted to prevent gas from escaping. The inefficient motor should also be replaced with an efficient one so as to save energy. Friction reduction measures are very important. Lubricant and oil should be smeared on the Inner lining of the walls of the suction pipes to reduce friction between the fluids and the walls. Man-made chlorine, especially Chlorofluorocarbons depletes the ozone layer making it permeable to dangerous ultra violet rays reach the earth. It was due this concern that the Montreal Protocol, an

Qantas Essay Example for Free

Qantas Essay Qantas Airways is an Australian based airline and is a subset of the Qantas Group. It is a public-listed company in the ASX (Australian Securities Exchange). The purpose of this research is to provide information of the Qantas Group focusing on its profitability, efficiency and liquidity for the last 3 years. This research paper also examines the financial analysis and provides other relevant information to support in the evaluation of the company. 1 Company Profile 1.1 History Qantas is the world’s second oldest airline. It was founded in the Queensland outback in 1920 and has been in continuous operation since that date. Qantas is Australia’s largest domestic and international airline and is recognised as one of the world’s leading long distance carriers. The name comes from the initial letters of the words in the original registered title – Queensland and Northern Territory Aerial Services Limited. 1.2 Qantas Group Strategy Safety remains Qantas’ first operational priority and they are committed to maintaining the position as the leading Australian domestic carrier and one of the world’s premier sustainable long-haul airlines through the dual airline brands – Qantas and Jetstar. Qantas aim to maintain customer loyalty by delivering exceptional experiences through these dual brands, in conjunction with Qantas Frequent Flyer. The operating strategy is complimented with a prudent approach to capital management as they seek to deliver sustainable, long terms return to the shareholders. The Qantas Group strategic priorities are illustrated below. 4 1.3 Qantas Overview Qantas is Australia’s largest full service airline carrying 28 million passengers in 2011/2013 on 5,050 flights per week in Australia, New Zealand, Asia, North and South America, Africa and Europe. It is a founding member of the oneworld alliance. Qantas is a single integrated airlines providing airline transportation through its two Qantas brands – Qantas and QantasLink Main Markets Qantas’ main markets are domestic and international traffic to and from Australia. Qantas, a wholly-owned group of subsidiaries including QantasLink and Network Aviation, services 57 metropolitan and regional regular passenger transport destinations across Australia and Port Moresby in Papua New Guinea, as well as 19 dedicated fly-in-fly-out charter destinations. 2011/2012 Passenger Distribution Passenger Revenue Australia domestic 78% 51% International 22% 49% Customers Qantas carries business and leisure passengers Product Qantas offers passengers a premium network product on its extensive domestic and international network and through it oneworld membership, accessing 24 bilateral codeshare agreements (excluding Jetstar and Jetstar Asia with whom Qantas also has codeshare agreements), over 870 destination and 550 lounges. Passengers also have the opportunity to earn and redeem frequent flyer points across its global network. Qantas is focused on both business and leisure travellers by offering a one or two class product on domestic routes and a two, three or four class product for international services. 5 1.4 Jetstar Overview Jetstar commences operations in May 2004. It is the Qantas Group’s low fares airline and the largest low cost carrier in the Asia Pacific region. Jetstar comprises of Jetstar Domestic, Jetstar International and holdings in Singapore-based Jetstar Asia, Vietnam-based Jetstar Pacific and Jetstar Japan. In 2011/2012, its operations carried 18.7 million passengers to over  50 destinations in Australia, New Zealand, Asia and the Asia Pacific. Jetstar also recently announced its intention to invest in a new airline, Jetstar Hong Kong, with China Eastern Airlines in 2013. Main Markets Jetstar’s main markets are domestic and international traffic to and from Australia. Pan-Asian expansion has strengthened through Jetstar Asia, Jetstar Pacific and Jetstar Japan. New Zealand operations encompass both trans-Tasman and domestic New Zealand markets. 2011/2012 Passenger Distribution Passenger Revenue Australia domestic 57% 51% International 43% 49% Customers Jetstar focused on providing consistently low fares to predominantly leisure travellers. Product Jetstar offers domestic and international passengers a value based product with the flexibility to select additional operations in relation to seating, entertainment, catering, baggage and premium seating on long haul. Jetstar’s continual focus on leading online technology has enabled more innovative ways to book, check-in and board. 6 1.5 Fleet Qantas Group operates fleets comprises of Boeing 737-800, A330-200, A380-800 Boeing 787 Dreamliner, Bombardier Q400 and Boeing 717. Over the next 10 years, the Qantas Group has committed capital investment worth US$23 billion in more fuel efficient, next generation aircrafts such as A380-800, Boeing 787 Dreamliner and Airbus A320 neo. 1.6 Corporate and Social Responsibilities The Qantas Foundation was established as a charitable trust in 2008. It forms part of the Qantas Group’s commitment to operating in a sustainable and socially responsible manner. The Qantas Foundation focus on two key areas: ï‚ § Initiative that provide an immediate experience for those in need (Changing lives) ï‚ § Experiences and opportunities that empower the next generation of Australians to make a difference in community (Empowering change) To deliver this vision, the Qantas Group leverage off the diverse resources of the  Qantas Group – from their employees, diverse network of suppliers and partnerships, and the use of their own airline. Another initiative that the Qantas Group took on is aiming for a world class performance by protecting the environment for the generations. They aim to reduce their carbon footprint through several proven measures such as: ï‚ § Aircraft weight reduction initiatives ï‚ § Efficient ground power units in lieu of jet fuel driven auxiliary power units ï‚ § Using GPS-based navigation technology to improve operational efficiency ï‚ § Investing in a fuel efficient fleet such as Airbus A380 and Boeing 787 ï‚ § Facilitating a sustainable aviation fuel industry in Australia On ground, together with their partners, innovative projects and partnerships were set to achieve this goal. One example is the Clean Up Australia campaign; started since 1996, the Qantas Group have been a key corporate partner for the Clean Up Australia Foundation. Key Successes 1. Maintained a downward trend on electricity, water and waste-to-landfill consumption since 2006, despite operational growth. 2. Reduced environment impact between 2005 and 2011: Reduced electricity consumption by 8% Reduced water consumption by 19% Reduced waste-to-landfill by 21% 3. Maintained a downward trend on jet fuel emission intensity 7 2. Key Strategies The Qantas Group has a broad portfolio and a clearly defined strategy with the following core goals: ï‚ § Build on the Groups domestic businesses through a clear focus on the customer ï‚ § Strengthened Jetstars presence across Asia to capture the full benefits of the regions low-cost leisure travel boom. ï‚ § Continue to expand Qantas Frequent Flyer by adding new partners and increasing ways for members to earn and spend points. Some of the changes seen were introducing a new tablet-based in-flight entertainment system called Q Streaming that received outstanding feedback from passengers. New order for 10 Fokker 100 aircraft were placed to extend Qantas reach into Western Australias mining centres as part of the Groups fly-in-fly-out strategy. Jetstars focus in the domestic market remained on building up  capacity on core leisure routes with modern fleet such as the A320 aircraft, adding almost 16,000 extra seats during the year. Qantas Group also expanded alliance with Am erican airlines, attracting consumers from the America regions. 8 2.1 SWOT Analysis on the Qantas Group STRENGTH Strong partnership with other alliance through its oneworld membership; accessing 24 bilateral codeshare agreements over 870 destination and 550 lounges. Passengers also have the opportunity to earn and redeem frequent flyer points across its global network which attracts consumer to choose the Qantas Airways over other airlines. Operate and fly in to many destinations such as Australia (Domestic), New Zealand, Asia, North and South America, Africa and Europe making Qantas Airways the ideal airline to consumers. WEAKNESS Qantas do not have many direct routes and depend heavily on its other airline partners. For example to get across to destinations such as Europe, the Middle East and North Africa, consumers have to transit at Dubai and change airlines to the Emirates to get to their final destination. This turns away consumers who prefer to fly in direct to the country. OPPORTUNITY Qantas subsidiary Jetstar announced its intention to invest in a new airline; Jetstar Hong Kong, in partnership with China Eastern Airlines this year. This expands the flying business into the Chinese market. THREAT The global fuel price increase affects the airline industry. With higher fuel prices, the airlines operating cost increases. To compensate, airline raise ticket prices to generate more revenue which in turn, turn away consumers and force them to look at other airline that provides competitive or even lower prices. Introduction of more low cost carriers from established airlines such as Scoot, a subsidiary airline of the Singapore Airline. 9 3. Ratios 3.1 Profitability Ratio (%) Profitability ratio is used to measure a company’s ability to generate revenue in relation to sales, assets and equity (i.e. often the sum of monies invested). It also shows how effective the company is being managed to stay profitable. Some commonly used profitability ratios include return on equity, return on investment, return on total assets, gross and net profit margins and return on capital employed. Profitability ratios provide investors guidance in their assessment of the company’s financial health and performance. For example, return on investment indicates whether the company is generating enough profits for its shareholders. Net profit margin declined by 0.52% in 2012 while an increase of 0.53% occurred in 2011 as seen in Table 1. It is slightly lower than the industry averages of 1.737% by 0.377%. The decline in net profit margin may be attributed to rising fuel costs, fall in freight, tours and travel revenue. In 2012, Qantas incurred restructuring costs of AUD376 million compared to nil in 2011, which is in relation to their initiative to reduce costs and improve business in the international segment. The other ratios such as Return on assets (ROA) and return on equity also declined to 2.12% and 3.38% respectively in 2012. Profitability Year/Ratio 2010 2011 2012 Industry averages Return on total assets (ROA) 1.76% 2.28% 2.12% 2.630% Return on equity 2.88% 4.26% 3.38% 5.290% Net profit margin 1.35% 1.88% 1.36% 1.737% 10 3.2 Efficiency Efficiency ratios are used to show how well a company uses its assets and liabilities efficiently to be able to earn significant amount of profits. Examples of efficiency ratios include asset turnover, inventory turnover, receivables turnover and payables turnover. Qantas may be considered as efficient in utilizing its resources to generate revenue, with asset turnover showing an increase to 252 days in 2012 compared to 245 days in 2011. Generally the higher a company’s asset turnover, it means the assets have been used more efficiently. From table 2, the number of days taken for creditors to be paid fell to 45.41 days in 2011, however a modest increase of 1.45 days was experienced in 2012. Compared to industry averages, Qantas took a longer time to pay their creditors. On the other hand, number of days debtors took to pay was shortened by 2.09 days in 2012 while there was an improvement of 1.62 days in 2011. However the receivables turnover is a little higher at 19.83 days co mpared to industry averages of 18.45 days. Inventory turnover shows the frequency a company’s inventory is sold and replaced over a period. A high turnover indicates strong sales while a low turnover may imply poor sales and hence excess inventory. Inventory turnover fell to 9.39 days in 2012 compared to 9.72 days in 2011. However the ratio is higher than industry average of 8.52 days. Table 2 Efficiency Year/days 2010 2011 2012 Industry averages Days payable 50.43 45.41 46.86 43.90 Days receivable 23.54 21.92 19.83 18.45 Days inventory 9.19 9.72 9.39 8.52 Asset turnover 234 245 252 284.70 11 3.3 Liquidity Liquidity ratio measures the company’s ability to pay its short term liabilities when due. It is calculated by dividing cash and other liquid assets by the short term borrowings and current liabilities. This will show the number of times the short term obligations are covered by the cash and liquid assets. The short term obligations are considered fully covered and the company is in good financial health if the value is greater than 1. The higher the liquidity ratio, the higher the capability the company possesses to meet its current liabilities. Examples of liquidity ratio include current ratio and quick ratio. Current ratio for Qantas was 0.90 in 2011 and 0.77 in 2012, near industry average of 0.81. In comparison to Virgin Australia Holdings Ltd whose current ratio is 0.65 in 2011 and 2012 (See table 4), Qantas appears more stable though the values of its current ratio are less than 1 for both years. Quick ratio also known as the acid-test ratio focuses on the most liquid as sets, leaving inventory out which may be hard to turn into cash in a timely manner. In the case of Qantas, the quick ratio was 0.71 in 2012, 0.14 drop from 0.85 in 2011, while industry average is 0.75. As compared to Virgin whose quick ratio was 0.61 in 2012, the company seems to be in a stronger position to meet its short term commitments. Table 3 Liquidity Year/Ratio 2010 2011 2012 Industry averages Current ratio 0.93 0.90 0.77 0.81 Quick ratio 0.88 0.85 0.71 0.75 12 Table 4 Growth Profitability and Financial Ratios for Virgin Australia Holdings Limited Liquidity/Financial Health 2010-06 2011-06 2012-06 Current Ratio 0.76 0.65 0.65 Quick Ratio 0.75 0.62 0.61 Financial Leverage 4.15 4.15 4.3 Debt/Equity 2.3 3.21 3.96 Source: 2013 Morningstar, Inc. 13 3.4 Gearing Ratio Gearing ratio compares owners’ equity or capital to borrowings. Gearing is a measure of financial leverage showing the extent to which a company’s activities or operations are funded by owners’ funds against borrowed funds. A high gearing ratio indicates that a company is using debt to pay for its operations and may risk inability to meet repayments in an economic downturn. The situation could be made worse where rates move upwards suddenly. Lenders are generally concerned about excessively high gearing ratio that may put their loans at risk for non-repayment. Some examples of  gearing ratio are debt equity ratio and net interest cover. For Qantas, the gearing ratio increased to 111.21% in 2012 compared to 98.05% in 2011. This means the company used debt instead of equity to fund its continuing operations. However, this ratio is lower that industry average of 130.547%. Net interest cover ratio refers to the ease a company pays interest expenses on outstanding debt. The lower the ratio, the more the company is burdened by debt expense. The company’s ability to meet interest payments may be doubtful when the ratio is 1.5 or lower. In Qantas case, the net interest cover ratio dropped sharply to 1.54 in 2012 against 3.96 in 2011. This ratio of 1.54 is close to the threshold of 1.5 and is indicative that Qantas may face cash flow problems and inability to meet interest expenses should rates increase suddenly. Table 5 Gearing Year/days 2010 2011 2012 Industry averages Net Interest cover ratio 4.16 3.96 1.54 2.35 Gross Gearing (D/E) 95.600% 98.050% 111.210% 130.547% 14 3.5 Investment ratio A shareholder can analyse the financial information available to determine if the investment in a company is of value and quality. The price/earnings ratio is the best known investment valuation indicators and used widely by investment professionals and investors. Generally the stock with a high price earnings ratio indicates that investors expect higher earnings growth in the future. The price earnings ratio for Qantas was 12.23 in 2012, 15.90 in 2011 and 29.14 in 2010. A sharp decline of 13.24 was recorded in 2011 due to market confidence in this stock prior to 2011. However the industry average is 12.25 which may suggest that investors may be less likely to

Safe Use Of Online Shopping

Safe Use Of Online Shopping When you use the internet, it doesnt matter where you are in person. You can view the same web pages and shop on the same online store without having to physically enter the store. This provides huge advantages for online shopping over conventional shopping. No traffic hassles, no parking problems, no fighting the crowds of people visiting in the shopping center! Before the World Wide Web, people used to shop around looking for the best gift for the best price. Now, the story is a different. You can do everything youre your own home 24 hours a day, 7 days a week. You can browse and select products; purchase and gift wrap; and even organize delivery of the goods online, anytime and anywhere in the world. But, just like any other good thingà ¢Ã¢â€š ¬Ã‚ ¦.there are risks that come with online shopping. You can easily become a victim of phishing, identity theft and fraud. So you must take precautions to ensure that you and your family are always safe when youre shopping online. As noted many times in this book, the most common examples of online fraud are phishing scams, auction fraud, credit card fraud and online shopping fraud. In chapter 4 we have looked a number of examples of how these scams work. If you are unfamiliar with these scams please review them before continuing. Defense in Depth is the Best Security Strategy As I have said many times, everyone has to take responsibility to protect them from online fraud. You are a wise person because you are educating yourself about internet fraud by learning and adopting simple proven internet safety practices. In chapters 16 17, we looked at protecting your home computer network using a Defense in Depth security strategy. Here, we looked at seven different layers of security. If youre not sure about this strategy then you should re-read this chapter. This is the best security strategy you can use when youre shopping online. This chapter builds on the principle taught in these chapters. Fighting Against Spam If you intend to surf the Internet, then the best thing you can do is to install an internet security suite. Many internet security suites like Nortons Internet Security have spam phishing filters as a standard features or at worst an optional downloads. The spam filters use in-built rules to detect and filter spam phishing e-mail into separate files. Spam filters also blacklist the offending mail preventing it from reaching you. If your spam filter is working well, you will never see the spam unless you locate the file in the security directory and view it. However, even if you have the best anti-spam software in the world, spam can still evade your spam filter and end up in your inbox. You also need to know how to detect spam and deal with it correctly. Here are some of the important features that you should look for when choosing the ideal spam filtering subscriptionà ¢Ã¢â€š ¬Ã‚ ¦.accuracy and false-positive rating. Accuracy ratings refer to the percentage of legitimate e-mails that successfully reaches the users inbox after being filtered. The accuracy of several spam filtering subscriptions are continually being tested by passing thousands of e-mails through the spam filter. Today, a spam accuracy rating of 80% is very poor. You should expect a minimum rating of 95% and some anti-spam subscriptions have accuracy ratings as high as 98% to 99%. The False-Positive rating is the percentage of legitimate e-mails that have been wrongly identified as spam. This rating should be less than 1%. Different computer publications such as PCWorld and PCMagazine offer reports on the accuracy and false-positive ratings of spam filtering subscriptions. The cost of spam-filtering subscriptions has to be measured against the services it providesà ¢Ã¢â€š ¬Ã‚ ¦.ultimately you get what you pay for! A subscription may be expensive but it may be worth paying for its quality features, speed and control. Sometimes choosing a lower cost provider means paying more in lost time and poor output performance. A good spam filter should fit your specific needs. It should be flexible in its configuration so that it meets your needs. It should also provide automatic updates. There are some simple rules that you should follow: When you detect spam in the email box, never respond to the spammer. Avoid opening your spam messages at allà ¢Ã¢â€š ¬Ã‚ ¦.just delete it. Whenever a pop-up window appears from someone you dont knowà ¢Ã¢â€š ¬Ã‚ ¦just delete it! They are mostly scams. Do not close your mail box or blog without signing off completely. Use usernames and passwords that are hard to guess. You should review Chapter 17 for rules about creating and using strong passwords. How does shopping online increase the risk of identity theft? Using shopping carts in unsecured websites dramatically increases the risk of you becoming a victim of identity theft. I learnt that lesson the hard way! In chapter 1, I told you my story as to how I twice became an identity theft. The first time was 1995 by people with whom I shared a residence. At the time, this was the most common method of identity theft. In 2001, I became a victim of identity theft victim a second time. Online shopping sites were in their infancy and internet security technology was not as advanced as it is today. Unfortunately, I made a credit card payment for a product sold on an unsecured website. My personal data was stolen and my credit card was charged with a number of fraudulent purchases. Fortunately, I discovered the fraud early and the bank was able to stop it and limit the damage. Be warned! There are still unsecure online shopping sites operating today. Please do not use them! In chapters 3 4 our story, our poor fall guy Victor, uses the internet for online shopping. He has no sense of security and suffers immensely. If you are not sure about what can happen to you when you are on the internet, then you would do well to reread these chapters. Learn how to read a websites privacy policy One of the most important steps to protecting your privacy is to be able to know how to read a websites privacy policy. Australian privacy laws dont enforce the use of privacy policies or the information that should be included in the policy or how it should be presented. Further there is no industry body which regulates online privacy policies. Therefore you should know what to look for when reading the privacy policy of the website you are visiting. You should expect that a privacy policy be made available to you in writing if you are asked to provide personal information. In the bricks and mortar world, financial institutions, health facilities or other businesses that collect your private information, can be asked to show you their privacy policy before you give them that information. If the company does not you with a privacy policy, then you should consider doing business elsewhere. Websites should show of respect to their customers and tell them how their information will be used. In the online world, you will find privacy policies posted on their websites. The privacy policy tells you the steps they will take to protect your identity or to inform you of how they will treat the information you provide to them. Simply having a privacy policy does not guarantee you any level of protection, at all. However, to understand what information is protected and what is shared you must read the websites privacy policy. Each website has its own criteria for its privacy policy. Some websites give full protection including encryption of passwords. Further, they will not provide your information to any third party. Other websites will tell you that your information will be shared with any affiliated companies or business they feel you would be interested in hearing from. Therefore, you must read the policy to be aware of the steps being taken to protect you. Here are some of the items to look for on a privacy policy: What Information is Collected and Why? When a business is requesting personal information from you, it is reasonable to ask what information will be collected and why it is needed. If they request information that isnt relevant the website should clearly state why they need it. If there is no explanation for the request try to avoid giving the additional information or ask them why they need it. Asking for your income or the name of your spouse is the kind of information you might question providing without reasonable cause. How is the Information Collected? While filling out paper forms are straight forward in the bricks and mortar world, providing information is very different in the online world. You need to find out from websites how the information is being collected. Information can be collected in web forms or by electronically behind the scenes programs called cookies that are automatically installed on the visitors computer. Cookies track information about the web pages users click on, how long they spend there and the web address. This information can be tracked with or without your consent. Usually it is done to facilitate the companys marketing research or to assist you by using your information from previous visits. You should be able to find out what information is automatically stored by reading the privacy policy. What is the Information used for? If the online business asks for your personal or financial information you have a right to know what it will be used for. You must know if it is only used to complete the transaction? Or will they view a purchase as permission from you to market to you again in the future? Or will they sell your private information to other businesses? This information should be available in the websites privacy policy and information on how you can opt-out if you wish. Who Will Have Access to Your Information? Will the private information you have provided be sold or rented to other people or businesses? Will the website share your name, email address or purchasing habits with other affiliated businesses? These policies should be clearly outlined in the privacy policy. If they do sell or rent the names on their list, then you may wish to limit the information you provide to themà ¢Ã¢â€š ¬Ã‚ ¦or deal with them. Watch out for terms like partners, affiliates or sponsors, since you will have no idea who will be receiving your private information. How Secure is Your Information? What steps has the website taken to protect your personal information? Any transaction where you enter and submit personal information should have SSL (Secure Socket Layers). SSL will encrypt the information so that it cant be read by others during transmission. We will discuss website security in detail later in this chapter. Can You Correct Your Personal Information? You should be able to review and/or correct information that will be collected about you. The steps should be clearly stated in the privacy policy and should be convenient and inexpensive. Can You Opt-Out? Wherever your information may be shared you have the right to opt-out. In some cases you can click an opt-in or opt-out box when entering your information. Make sure that these small boxes havent already checked as default, since legally you are implying that you are accepting the offer even if you havent personally checked the box. The privacy policy should also give you directions on how you can opt-out if you werent given the option when you entered your information. While this list is not exhaustive these are the main features you should look for in a websites privacy policy. The other information that should always be listed in the websites privacy page is a contact name, address and telephone number. You should always be able to speak to a real person regarding the websites privacy policy. How do you detect online shopping scams? Scammers love online shopping because it is very easy for them to target victims. Shoppers have to distinguish between an honest trader and a scammer. This is not as easy as you may think! Scammers are professional sales people who use proven social engineering techniques to trick you into doing something you wouldnt normally do. For example, scammers may pretend to sell you a product online at very cheap prices; but they are actually looking for your credit card or bank account details. They may take your money and send you a faulty or worthless product or even send you nothing at all. The important thing is that when they make a sale, they have captured what they wantà ¢Ã¢â€š ¬Ã‚ ¦..your sensitive data like name, address, credit card number, bank accounts etc. They have tricked you into giving them your sensitive details in exchange for a worthless product! Buyer Protection Schemes Many online businesses put a lot of effort into protecting their customers from scammers. Some websites provide buyer protection schemes that will cover you if you are the victim of fraud. Credit card companies Visa and MasterCard; payment processing companies PayPal ClickBank; and banks around the world have buyer protection schemes. If you buy something through eBay or PayPal and it never arrives, or if it arrives significantly different than originally described by the seller, then youre eligible for a full refund. Check out PayPals Buyer Protection policy, and learn how to open a dispute. If you ever see a transaction in your PayPal account that you didnt authorize, you should report it immediately to PayPal. They will begin an investigation and help you get your money back. You can learn more about this process here. You should also be aware of sellers on online auction sites. They may offer to make a deal to you outside of the terms of eBay website. This is usually a good sign of a scam. You will also lose any fraud protection that eBay may provide. You must stay one step ahead of the scammers. The SCAMwatch website provides detailed advice about online shopping auction scams, internet scams and many other scams that target you. You can learn how scams work, how to protect yourself, and report a scam via SCAMwatch. Basic Tips for protecting yourself when shopping online Here are some important safety tips for online shopping: Use your credit card instead of a debit card: Credit cards offer better protection against identity theft than debit cards. For instance, when you use a credit card, your liability for any fraudulent charges is maximum $50, on the condition that you report the fraud within 30 to 60 days and you werent party to the fraud. On the other hand, when someone gains access to your debit card, and they clean your savings account, you may not be able to recover any of money at all. Use disposable credit cards: A recommended way to use a credit card is to get a disposable credit card. This works like any gift card from a bricks and mortar shop. You load it with a specified amount of money and the card is good until that amount is consumed. Then the card becomes worthless. This will protect you from identity theft. If a disposable credit card is stolen, the criminals will only gain access to the unused amount on the card. They cannot reload the card with additional funds. Check the website security. Before making any payments online through shopping cart sites, you should check the sites security. There are different levels of security available. You can check the URL web address. This is the box in the web browser where you type the websites online address e.g. www.anystore.com. A secure website will start the URL web address with HTTPS:// instead of the usual HTTP: //. Also, you should see a small lock icon in the screen which indicates that the site is a secure. This security level means that the online stores database and data transmissions for your transaction that made over the internet have been fully secured. The transaction is locked and receiver must use the correct key to open the transactionà ¢Ã¢â€š ¬Ã‚ ¦.just like a key to a house! Data transmissions that should be secured include: Notification emails; Online downloads; and Payment transfers between the site and other sites. A single online transaction will access the databases of a bank, a payment processing company, a credit card company and a secure online storage company etc. Dont shop online from public computers. If you want to shop online, then do so from the comfort of your own home. This ensures that you use your own secured computer which is free from internet nasties like viruses and worms, malware and spyware botnets. Shopping online at an internet cafà © can be very dangerous because the computer and the wireless network may not be secure. Hackers can easily steal your private data from internet cafà ©s. Read and understand the websites terms conditions and privacy statements. Before buying online, make sure that you understand exactly what is involved in the purchase. The terms and conditions of your purchase should be outlined by the seller on the website. They may be located on a separate web page to the advertisement. The terms and conditions should be clear to you and outline any extra warranties or guarantees, security policies, privacy and returns. Make sure that you understand all the disclaimers of responsibility before you accept the terms and conditions. Credit Card Security codes. If you use a credit card with a magnetic stripe, then online stores will require the CVV or card verification number when you make a purchase. You will find the CVV code on the back of your credit card in the signature bar. The last 3 digits of the code are required to be entered into the website online payment page. This number is designed to prevent fraudulent purchases from someone who does not have your card but may have stolen your personal details like name; card number and expiration date. Advanced security measures. Another security feature credit card companies are using is to create a second level of security by adding an additional password. An example of this is Verified by Visa or Mastercard Secure Code. These are optional security features provided by selected websites or payment processing systems. If you activate the code and shop on sites that carry the Verified by Visa or Mastercard Secure Code logos, the check out process will require the entry and validation of additional secret password or PIN that you previously have set up. The purchase cannot be authorized without successful validation of this second password or PIN. Automatic teller machines (ATM) and point of sale terminals also have this option to enter a PIN number for magnetic stripe cards. Modern Micro-chip PIN technologies also provide a pass-over option where you dont have to swipe your card through an electronic readerà ¢Ã¢â€š ¬Ã‚ ¦you just pass your card by the electronic sensor and it reads all the cards details. You then enter a PIN into the machine for verification. These technologies are designed to prevent skimming attacks by hackers  [1]  . Phishing Emails Dont Get Reeled In. Be aware of email scams designed to gain access to your credit card information. Phishing scams have been discussed at length in chapters 3, 4, 16 17 in this book. Use a secure web browser when surfing online. How you pick the best web browser to use? There are many choices in how you can experience the world-wide-web. Some popular internet browsers include Firefox, Internet Explorer, Opera, Chrome, and Safari to name a few. You should choose a popular browser is always safe but it also needs to have extra security features. By this I mean that it has additional security add-ons available. Internet Explorer has been active since the beginning of the internet. This web browser is preloaded on every computer that uses the Microsoft operating system. Unfortunately, history has proven that Microsofts Internet Explorer isnt the safest web browser available on the market. A competitor called Mozilla Firefox is quickly dominating the field. As of July 2010, Firefox has become the second most widely used Internet browser. Google Chrome, Opera and Safari are also fast becoming major players in the market. Read this review of web browsers from PCWorld. What makes Firefox special? This web browser features pop-up blocking, tab-browsing, easy to use privacy controls and an integrated Google search bar. In addition, Firefox provides you with over 1 billion add-ons and has about 120 million users. Many of its add-ons offer additional protection for a safer online buying experience. For example, the add-on Web of Trust shows a traffic-light rating based on four factors: trustworthiness, vendor reliability, privacy and child safety of a web page. McAfee SiteAdvisor is a similar add-on and Adblock Plus stops banner ads and pop-ups. Pop-ups can also carry computer viruses which can infect your system. You can also download a program called NoScript which forces web-programming like JavaScript, Java to only run from the trusted domains you have chosen. These are just a few samples of many add-on protections Mozilla Firefox offers their users for safe online shopping. They can be downloaded free from Firefoxs home page along with Mozilla Firefox. Check out the security features of Firefox here. What about other web browsers like Opera, Chrome Safari? You may think that the latest Internet browsers: Opera, Chrome, Safari, etc. are best to web browsers to use. However, theyre mostly brand new and still in the beta stages of testing. This means that not all the bugs and glitches on them have been all figured out. On the other hand Mozilla Firefox is already a proven web browser. Today, its considered a full operating web browser. In the near future, Opera, Chrome or other web browsers may overtake Firefox. Firefox is also continually updating its browser. However, for the moment, Firefox is the safest online shopping and security due to its many layers of security add-ons and customization. Before you do any online purchasing, you need to be sure your computer is secure with anti-virus software. This has been discussed thoroughly is chapters 16 17 of this book. By following these tips using Mozilla Firefox with adequate anti-virus protection will give you the confidence you need to have a safe online shopping experience. Online auction scams and how to avoid them Buying and browsing items online is a real treat and online auctions like eBay can deliver some real bargains! However, as usual there are many scams to trap you. Here are some really good tips for avoiding eBay scams and having a really great online shopping experience. Take note of the shipping prices. These can have a great effect on the total cost of the item. Some sellers will absorb the shipping costs, while others require you to pay the cost. If you have two vendors selling the same items with similar prices, then check out the best shipping offer. Check the online auction seller feedback scores: The most important precaution you should make is to check the online auction sellers feedback score. This score is vital because it is the reflection of the sellers credibility. This score tells you whether a seller can be trusted or not. If the online seller has feedback score greater than 95%, then it is most likely that the seller is reliable. You should also see the detailed feedback about the seller. Check the most recent buyers comments because they are a great hint as to how your prospective seller is like to do business with. Follow up on any negative comments and ask the complainant what the real problem is. If there are a number of negative comments about postage times, shipping, and delays, then the seller is not reliable. Keep On Browsing: Just like in real life shopping at bricks and mortar stores, there are online vendors that sell overpriced items. Prices vary from seller to sellerà ¢Ã¢â€š ¬Ã‚ ¦.some offering a good deal, other not so good! It is important that you browse through a number of sellers that offer the same item to get the best price. Browsing through a sellers page is absolutely free so explore your choices. This is the best thing you can do make sure that you dont get ripped off. Pay for online auction purchases through PayPal: If you want to use a secure online payment system, then PayPal would be the service to have. PayPal and the eBay auction site merged in 2002 to form the largest online auction site in the world. The PayPal payment systems are the most reliable and secure payment processing you can get. There are no extra charges to pay and payment conversion is automatic. PayPal has an excellent after sales service, particularly in resolving disputes and returns. If the seller hasnt contacted you and your item hasnt arrived, then you can go to your eBay account and fill in a complaint form. This is transferred directly to PayPal and they organize your refund. PayPal have a very quick and efficient dispute resolution system. It should only be used if your seller hasnt contacted you within a month. Ask Questions: It would be best if you ask your prospective seller questions regarding the product. This way you will not encounter any misunderstandings and will have an understanding. Questions about price, quality, quantity and shipping are important. What Are They Selling? You should always be suspicious and check out thorough what the person has been selling over time. For example, if you see that they has been selling cheap magazine clippings in the past year and now are selling Gulfstream jets, there is obviously a reason to be suspicious. How to Avoid Internet Scams on Adult Websites Adult sites are very popular but criminals use these websites for identity theft purposes? There are two ways by which identity fraud can happen on adult websites. The most common method is the scammer enticing the unsuspecting user to download a file from the website containing a virus, malware or spyware, which in turn harms your computer. You can protect yourself from this fraud by installing a good anti-virus or anti-malware program (see chapter 16 17) You can also be an identity theft victim of when you unknowingly download a keylogger or dialer program or pop-up advertisement. This allows criminals to hijack your computer and steal vital information. For example, if you shop online regularly, they can use your credit card details to make online purchases. Before you become a member of the site, make sure that the site is a legitimate site. You can check this out by reading the User Agreement and Privacy Policy carefully. They are usually long documents and will take some time to review them. You must do this check these documents thoroughly, if you want to keep safe on the internet. You can also check the ownership of a website using the free search tool on the website Whois MyDomain. This website contributes to user confidence in the Internet by promoting legitimate uses of the websites including digital inclusion and e-commerce. The site helps users to identify the persons or entities responsible for web content and online services. If other family members use the computer, limit their access to see white-listed websites. This prevents others from accidentally downloading something into the computer. If your children are alone, you need to blacklist or block adult sites so they cant visit adult sites. Most internet users wont know if the adult website is fraudulent or not. Therefore it is advisable to install a website monitoring system. This program is designed to keep a log all the programs that are installed and visited. Website Monitoring programs can also be setup to automatically enforce a no downloading policy and no unsupervised surfing policy. For example, if your teenage child visits a blacklisted pornographic website, a message will appear informing the web surfer that the site cannot be visited. This ensures that your child will not be victimized when they are online. If you use Adult websites, you should always review your credit card bill or phone bill for any charges which you knew were never made. The earlier that you report these calls, the earlier the credit card or the telephone company will be able to adjust your account. Adult internet sites are not the only websites that are used by fraudsters. Charities, auction sites and commercial websites are also being used as a front by criminal gangs. If you think the site you are visiting is not legitimate, leave the site and report it to the police. Dating and Romance scams This scam takes advantage of your romantic side by befriending you. You may be a single person looking for love and are very vulnerable to attack. The scammers are professionals who can pretend to be whatever you think they are. In the online world you are anonymous, so you can pretend to be some-one else. For example, a male scammer could pretend to be a gorgeous female who is really interested in you. Female scammers can also pretend to be some-one elseà ¢Ã¢â€š ¬Ã‚ ¦and so on! The scammers know the right emotional buttons you have and form an online relationship with you. When they have your complete confidence, they often start asking you for money. Normally this type of scam happens on dating sites and online social networks like MySpace or FaceBook. Online scammers are NOT interested in having a relationship with you no matter how attractive you may be. They have only one interest and that is to take advantage of you and defraud you! Never trust anybody you meet on the web unless you know and trust them in real life. In the real world, you need to spend quite some time with a person before you get to know them well enough to enter into a relationship with them. Here is an example of a dating and romantic scam that I received in my e-mail Good day, dear! I am looking for a strong, kind, caring man. In my life I have almost everything except love. Everything I want is to be loved by a man like you. You seemed to me very interesting and different from others. And I think you are the man I was looking for such a long time. You can be sure, I will make you the happiest man in the world! I will make true all your fantasies. And I can be for you not only a perfect lover, but the best friend and good wife. We will spend all our free time together. I need you here. I need you like my lungs need air. I do not find strange that my second half is so far away, my destiny and life has been all over the world, but now that I found you, I really need you near me as soon as possible. Please write me. I will be waiting for your letter http://finebeautifulwomen.net/6184/ See you later Uli M I immediately deleted the e-mail as spam. I am happily marriedà ¢Ã¢â€š ¬Ã‚ ¦ Online Gambling Scams There are many risks involved in online gambling. The game i