The Financial Crisis Of 2008 - 1187 Words

The Consumer Financial Protection Bureau, the agency created after the financial meltdown of 2008, has taken aim at the cash advance loan industry almost since the agency opened its doors. The CFPB s latest attack is in the form of proposed rules that many people believe would regulate cash advance loans out of existence. The proposed rules would apply to every lender whether they make online cash advances or operate a brick-and-mortar store. Throughout his campaign, Donald Trump repeatedly expressed his antipathy for the CFPB and the law that created the agency, the Dodd-Frank Act. Now that Trump has won the presidential election, many people are wondering whether the cash advance loan industry might benefit under his administration. Will the Trump Administration Help the Beleaguered Cash Advance Loan Industry? Dismantling an independent federal agency is no easy task. Trump would need support in both the Senate and the House of Representatives, and although Republicans control both, Trump would likely need to win support from at least eight Democrats in the Senate to see Dodd-Frank repealed. While he has a powerful ally in Rep. Jeb Hensarling, Hensarling s focus is primarily on the parts of the Dodd-Frank Act that restrict banks trading activities and subject banks to liquidity and capital requirements. Even if Trump cannot help lenders who offer cash advance loans by repealing Dodd-Frank, however, he may be able to assist the industry by focusing on the CFPB. ForShow MoreRelatedThe Financial Crisis Of 20081384 Words   |  6 PagesThe turmoil in the financial markets also known as the financial crisis of 2008 was considered the worst financial crisis since the Great Depression. Many areas of the United States suffered. The housing market plummeted and as a result of that, many evictions occurred, as well as foreclosures and unemployment. Leading up to the financial crash, most of the money that was made by investors was based on people speculating on investments like real estate, stocks, debt buying, and complex investmentRead MoreThe Financial Crisis Of 20081747 Words   |  7 PagesThe economic crisis of 2008 was one for the ages, it changed the world of investing forever. That year, the stock market crashed, bank failures and the infamous wall street bailout that can all be tr aced back to the subprime mortgage crisis.. The 2008 economic crisis rocked the global economy for the worst, and to this day the United States is trying to recover from the impact that the crisis had. In order to understand why exactly the banks failed people have to understand the subprime mortgageRead MoreThe Financial Crisis Of 20081817 Words   |  8 PagesThe financial crisis of 2008 did not arise by chance. The meltdown was precipitated by systematic striping away of the New Deal era policies of bank regulation. Most notable of these deregulatory acts was that of the Gramm-Leach-Bliley Act of 1999. This bill repealed the legislation which held commercial banks and investment banks separate. As the beginning of the 21 century approached many bankers clamored for an end to the policy of the â€Å"firewall† between Investment and commercial banks. Gramm-Leach-BlileyRead MoreFinancial Crisis 20085972 Words   |  24 PagesCORPORATE FINANCE THE GLOBAL FINANCIAL CRISIS 2008 Group’s member:Nguyá »â€¦n NhÆ ° Nam (C)Phan Thu AnNguyá »â€¦n Thà ¹y DungHoà  ng Bà ¡ SÆ ¡nNgà ´ Thá »â€¹ à nh Tuyá º ¿tDate: 28/11/2014 | AbstractIn 2008 the world was fell into the worst financial crisis since the Great Depression of 1929-1933. Although this crisis has gone, however, its consequences for the economy of many countries is very serious, even now many nations are still struggling to escape difficulty. Just in a short period, the crisis originating from AmericaRead MoreThe Financial Crisis Of 2008 Essay2044 Words   |  9 PagesThe 2008 financial meltdown resulted in the most treacherous investment landscape observed since the great depression. The most notorious issue was the subprime mortgage crisis, which had a ripple effect felt through every market in the world. The banks, whose leverage rate should never have been higher than two times capitalization, surged as high as thirty to forty times market cap. With this level of exposure, any unforeseen market fluctuations could mean disaster. Lehman Brothers, the oldestRead MoreThe Financial Crisis Of 20081125 Words   |  5 PagesA mortgage meltdown and financial crisis of unbelievable magnitude was brewing and very few people, including politicians, the media, and the poor unsuspecting mortgage borrowers anticipated the ramifications that were about to occur. The financial crisis of 2008 was the worst financial crisis since the Great Depression; ultimately coalescing into the largest bankruptcies in world history--approximately 30 million people lost their jobs, trillions of dollars in wealth diminished, and millions ofRead MoreThe Financial Crisis Of 20081689 Words   |  7 PagesOur society seems to doing well since the financial crisis of 2008. The country is recovering from the Great Recession, unemployment is down and the global domestic product is up. People have jobs and are paying taxes. President Obama lowered our budget deficit and promised to make healthcare more available to all. On average, America is well on its way to recovery. But what about the people that slipped through the cracks of the financial stimulus pl an? These are the people that lost their jobsRead MoreThe Financial Crisis Of 2008 Essay2553 Words   |  11 PagesWhen you think of the 2008 financial crisis that affected not just the US economy, but the world as a whole, most average middle-class Americans won’t really know what triggered this economic disaster. Most will probably blame, and rightfully so, those large corporations on Wall Street. These corporations, which deal with insanely large amounts of money, will always be wary of their stocks decreasing. But they also know that 99% of the time, everything will go back to normal in the future. What theyRead MoreThe Financial Crisis Of 20082083 Words   |  9 PagesEver since the economic virus called â€Å"negative interest rates† scattered over European and later Japanese banks, our economic system has been the most unstable since the financial crisis of 2008. The virus, negative interest rates, is a concept in which the central bank charges interest in bor rowing money and holding an account. It was brought forth in efforts to increase economic growth by giving commercial banks a tax on the large amount of reserves they hold in the bank. In other words, commercialRead MoreFinancial Crisis of 20081794 Words   |  8 PagesThe Financial Crisis of 2008 was the worst financial crisis since the Great Depression, however a lot of American’s want tougher law of be enforced against executives and companies they think started the mess (Jost/Misconduct). Civil charges have been brought up against major banks for misleading investors, but a federal judge rejected a proposed settlement saying it was too lenient (Jost/Misconduct). The flood of subprime mortgages roiling the housing market in the U.S. is also causing the worldwide

Existence Through Our Senses Hegel s Theory Of Life

Existence Through Our Senses Hegel’s argued that the creation of life is based on phenomenology and that the nature of life is based on our senses. He argues that it is more than just phenomena, it s complex phenomena.Without the mind, we would not have existed in the world and without knowledge we would not be able to survive. Our body communicates with our mind and without our mind we would not be able to function , we would not be able to survive without knowledge either because without any knowledge we wouldn’t be able to take care of bodies medically or even naturally. It is natural to gain knowledge on seeking our senses.Our senses give us the power of knowledge and always lead us to create and produce different†¦show more content†¦Overlooking one thing help us conduct another, our thoughts Existence precedes essence . Without the creation of life and our minds, we cannot conduct any information or precede life itself. If we would never perceive anything we would not have the thoug ht of it. Going back to the Heger’s theory of phenology on the other hand, Hume has a different aspect upon the theory of existence.He argues that there is a cause for everything that we do and in which everything has a cause also has an effect. In which if there was a causality for every situation then everything that is being done has already been done. In which is not true besides throughout experience , causality is demonstrated throughout experience. With experience we have the sense of what is going to happen and how to react.That there is always something that has to have a cause for letting it proceed the existence itself. In existence, he argues that the ontological argument is based upon our thoughts and when we think about something that it has to have an existence already. That our thoughts are unoriginal and does not have meaning because it was already a thought. In order to be created we have to exist and with existence, it has to be created finite. He also rev ealed that our mind limits itself because of the reasoning of life , existence is natural and the natural state of mind conducts that the power belongs to you .We truly don’t know how existence is truly created ,Hume displays that existence has aShow MoreRelatedPhilosophy C100 Quiz 121572 Words   |  7 Pagescomprehensive theory of knowledge was developed by    | Aristotle. |    | the Sophists |    | the Cynics |   X | Plato | 17.    In Platos Divided Line, the upper part of the line represents _____________ and the lower part represents ________________.    | sense data; true knowledge | X   | knowledge; opinion |    | opinion; the shadows on the wall of The Cave |    | opinion; the Forms | 18.    According to Platos Theory of Forms, what is truly real is not the objects of our sensory experienceRead MoreKarl Marx s Theories Of History And The Theory Of Human Nature Essay1714 Words   |  7 Pagesdeterministic theory of history and the theory of human nature, if human beings are essentially the product of socioeconomic forces. In addition to one criticism of his theory of human nature. Firstly, this paper will explain Karl Marx’s deterministic theory of history and the theory of human nature. According to Karl Marx’s deterministic theory of history, human society is determined by the material conditions. Marx was heavily influenced by the writings of the idealist philosopher Hegel, but in contrastRead More Transcending Herbert Marcuse on Alienation, Art and the Humanities4411 Words   |  18 PagesAlienation, Art and the Humanities (1) ABSTRACT: This paper discusses how higher education can help us in accomplishing our humanization. It looks at the critical educational theory of Herbert Marcuse, and examines his notion of the dis-alienating power of the aesthetic imagination. In his view, aesthetic education can become the foundation of a re-humanizing critical theory. I question the epistemological underpinnings of Marcuses educational philosophy and suggest an alternative intellectualRead MoreSocial Constructs And Its Effect On Society3459 Words   |  14 Pageswrenching because unique individuals feel the need to belong to a category that is â€Å"pre-made† by the society they live in despite their want and need to be accepted the way they are. One has seen monarch rule over land and gain immense amount of power through violating the rights of those considered â€Å"unimportant†. Social constructs which seem to pursue the same framework, where one party benefits from the failure of another. In the situation where the monarch leads, he is a set person that everyone knowsRead MoreDifferences Between Marx And Feuerbach s Conceptions Of The Relationship Between Philosophy And Religion1718 Words   |  7 Pagesthinkers for their theories. What is important to note before we begin is that both of these thinkers are reacting to the Enlightenment era of Philosophy which is the idea of a rational and scientific approach to religion and the self. Kant defined the enlightenment as a move to autonomy away from heteronomy, meaning that human thought moved from considering God to be central to everything to viewing God as an entity who was important but more on the back burner than central to life. This is evidentRead MoreBranches of Philosophy8343 Words   |  34 Pagesreconciling the diversity and change of the natural universe, with the possibility of obtaining fixed and certain knowledge about it; questions about things which cannot be perceived by the senses, such as numbers, elements, universals, and gods; the analysis of patterns of reasoning and argument; the nature of the good life and the importance of understanding and knowledge in order to pursue it; the explication of the concept of justice, and its relation to various political systems[8]. In this period theRead MoreThe Theology Of Paul Tillich2960 Words   |  12 Pagesthe theology of Paul Tillich. He developed his ideas as a rhetorical response to feeling of separation and existentialism, which shaped by life events. One of his most bewildering statements is recorded â€Å"God does not exist.† To most this seems that he had lost faith in God. One cannot clearly understand Tillich without understanding his ontology. Tillich s theology is also significantly influenced by larger historical events such as the first and second world wars. The Need for the Study PaulRead More Descartes’ Daydream and the Mind-Body Problem Essays3174 Words   |  13 PagesDaydream and the Mind-Body Problem After exhorting us to wake up from our ‘daydreaming’ and revolutionize our modality of thought to that of conceptualization, Descartes seems to forget about this crucial matter of a discontinuous leap. So, too, it seems has the profession generally and this has infected philosophical research and teaching. It is urged here that discontinuous processes are crucial in the universe, in human life, in human thinking. Such ontological events cannot be handled by dualismRead MoreDescriptive Essay : Valuing Identity3121 Words   |  13 PagesValuing Identity I could recollect a nostalgic instance in life about a traveling experience, but upon arriving to the city of Amman in the Middle- East, no experience was evermore instilled into the intellect of my ignorant eighteen- year- old, self. Immediately, I could recognize the solemnity of organization; the formal wear between people, the newly creative technology for consumer purposes and the religious reminders echoing through the highest towers of the Mosques. The experience was unlikeRead MoreDifferences Between Idealism and Realism3232 Words   |  13 PagesPhilosophers say the key to understanding human life is answering the really philosophical questions such as why are we here? Where did we come from? Where will we go? And so on and so forth. 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Operation of Commercial Banks in Bangladesh Free Essays

Term Paper On Operation of Commercial Banks in Bangladesh Term Paper On Operations of Commercial Banks in Bangladesh Financial Institutions amp; Markets (FIN 335) Summer 2012 Submitted To Md Lutfur Rahman Assistant Professor Department of Business Administration East West University Submitted by Srabonty MazumderMd. Saddam HossenMd. Mehedi HasanMd. We will write a custom essay sample on Operation of Commercial Banks in Bangladesh or any similar topic only for you Order Now Nazmul Hasan BhuyanSanjana Ahmed| 2009-2-10-0212009-3-10-031 2009-3-10-0762009-3-10-0222008-3-10-101| Section:02 Date of Submission: April 18, 2012 Letter of Transmittal April18, 2012 Md Lutfur Rahman Assistant Professor Department of Business Administration East West University Subject: Submission of Assignment. Dear Sir: We are very pleased to submit this term paper on â€Å"Operations of Bank management in Bangladesh. † as you have authorized us to in this semester. We are honored to prepare this term paper under your guidance since it gave us the opportunity to know the operations of different commercial bank in Bangladesh and also know the product and service offered by that bank. And we explore which bank provides unique product and service for their customers and which way they provide. We analyze its offered product comparative scenario in respective to the other type of commercial bank. We tried our level best to accumulate the information for you as comprehensive as possible. We will be obliged to provide further clarification on this report whenever necessary. Sincerely Yours, Srabonty Mzumder [2009-2-10-021] ________________ Md. Saddam Hossen [2009-3-10-031]________________ Md. Mehedi Hasan [2009-3-10-076]________________ Md. Nazmul Hasan Bhuyan [2009-3-10-022]________________ Sanjana Ahmed [2008-3-10-101]________________ Acknowledgement We would like to express our gratitude and indebtedness to our honorable faculty Md Lutfur Rahman, Assistant Professor, Department of Business Administration, East West University (EWU). With his inexhaustible guidance, valuable advice, continuous inspiration, constructive criticism and generosity she helped us to carry out this report successfully. We would also like to express our gratitude to the website that helped us to gather all the necessary information. Finally, we would like to thank to all group members that directly or indirectly helped us to provide and accumulate all the necessary information for the accomplishment of this assignment. Table of Content Executive Summary 1. Introduction: There are different kind commercial bank that are operating their business in Bangladesh like state owned commercial bank, private owned commercial bank, some multinational bank, Islamic bank etc. ach type of bank offer different kind of product and service for their client. These commercial offer different types of deposits service and also offer different types of credit service. So we analyze the comparative situation in one bank offered product and service with another bank. 2. 1. Origin of the report:  This report originates to fulfill the requirement of studying Financial Institutions amp; Markets, which is the course of BBA Program of East West University. The topic of the report is â€Å"Operation of Commercial Banks in Bangladesh† 2. 2. Objective:  The purpose of the report is to know the comparative situation among the commercial bank and also to elaborate our knowledge about financial market by analyzing its comparative situation. 2. 3. Scope of the report:  There are huge scopes to prepare the term paper to collecting information, analyze the information and also implement the information. 2. 4. Limitations:  To prepare this report we have faced a lot of problems such as unavailability of lab, electricity problem, unavailability of related books unavailability of information in net etc. 2. 5. Methodology: At first we collect the basic information from internet like related bank websites, and then analyzes the information on the basis of available information. So for the purpose of the report completion collect information from secondary sources. Public and Private commercial Banks in Bangladesh Public Banks: The banking system of Bangladesh is dominated by the 4 Nationalized Commercial Banks In which 3 are totally controlled by government and 1 (Rupali Bank) bank is controlled by both government and private sector. Nationalized Commercial Bank of Bangladesh: * Sonali Bank Agrani Bank * Rupali Bank * Janata Bank For Our Comparison we select Agrani Bank and Sonali Bank Private Banks: Private Banks are the highest growth sector due to the dismal performances of government banks (above). They tend to offer better service and products. Now 39 private commercial banks are operating in Bangladesh. Among them we select Dutch Bangla Bank ltd and BRAC Bank ltd for our comparison. C omparison between Public and Private Banks: 1. Personal Banking: As public Bank Agrani Bank and Sonali Bank offer Personal banking products for their current and potential customers. On the other hand private bank also provide different types of personal banking service for their current and potential customer. Deposit and loan services are- Product type| Public Bank| Private Bank| Deposit services| Savings bank account, Fixed deposit receipt, Pension schemeSonali Deposit Scheme (SDS)Education Deposit Scheme (EDS)Medicare Deposit Scheme (MDS)Monthly Earning Scheme (MES)Marriage Savings Scheme (MSS)Rural Deposit Scheme (RDS) andDouble Benefit Scheme (DBS)Credit Schemes| Convertible Taka Account. Current Deposit AccountCurrent Deposit Account BankExporter’s FC DepositForeign Current AccountNon- convertible Taka Account Saving deposit AccountShort Term Deposit AccountShort Team Deposit Bank Account| Loan Sevices| Home loan, Consumer loan, Advance against salaryConsumer Credit Special Small Credit IT Finance Loan for Diagnostic Center Loan scheme for Employment Abroad | Auto Line Care Line Dreams comes true LineEducation LineFestival LineFull Secured Line General LineHome Line: Marriage Line Professional LineTravel line| 2. Business support And Industry Development Products : With a view to building up a fund of Tk. 500 crore for financing industrial projects,  Agrani Bank  introduced  Agrani Bank Shilpa Unnayan Bond  in 1999. There are two types of bonds – 5 and 7 years. The lowest denomination is Tk. 50,000 and highest one is of Tk. 500,000. Interest rate is good enough to attract people. Major credit Schemes for business people are Industrial Credit, Trade Finance, Import Finance and Export Finance. If you are a deserving candidate for any of them, or you need any documentary support from  Agrani Bank, you may visit to any branch of  Agrani Bank. For industrial development of the country  Sonali Bank  provides long term loan against new industries and BMRE program of existing industries. Under different schemes it addresses thrust sector, Garments, Tourism, Hospital, Pharmaceutical, Power Plant and many more. Compare to Public banks with private bank : Also offer different type of loan facilities that’s interest rate is generally floated interest rate. 3. Agri amp; Rural Banking product : Now bottom line farmers may have a bank account depositing Tk. 10 only. Agrani Bank  provides this service to rural areas in Bangladesh. Young generation intending to go abroad for jobs may have loan for their air tickets and other expenses against nominal securities. Other rural economical activities are also supported by  Agrani Bank  credit programs. The areas addressed are Cultivation (flower and others), Fisheries, and Poultry, Purchasing Agriculture and irrigation machinery and ploughing animals. So it can be said that  Agrani Bank that public bank  is working to promote economic growth of Bangladesh from the very grass root level which is 80% of national economy. 5% of our population lives in rural areas of Bangladesh and 75% earn their living from agriculture. So without boost up of agriculture our economy won’t grow. Also Sonali Bank as a public bank  very correctly addresses it through the Rural Credit Scheme. The scheme provides loan under the following criteria: * Crop Loan * Special Investment Program * Farming amp; Off Farming program * Krishi Khamar Rin Karmasuchi * Pond Fisheries Credi t Program * Fertilizer Dealers Credit Program * Sugarcane Production Loan Program * Social Forestation Program All these credit programs are very much suitable for our rural people and society and in the mean time these efforts have started to give result. The results are very encouraging. On the other hand private banks Such as Bank Asia and Dutch Bangla bank as private bank, normally focus on the urban people. They don’t have any specific products on the rural or Agricultural sector. Bank Asia has a product â€Å"KIOSH† for the farmer but it is not so popular or useful for the farmer. 4. Microcredit product: For Bangladesh perspective microcredit is necessary. To think about the poor people of Bangladesh Sonali Bank offer Microcredit. Sonali Bank  being committed for people and society has been participating in the field actively since 2003. About 20 projects under the scheme are in progress. On the other Hand in Private Banks: Such as Bank Asia and Dutch Bangla bank have no specific microcredit product for the lower middle class people of Bangladesh. Their every product is basically for upper class and middle class people. 5. SME Banking product: Small and medium enterprise of the country is one of the deserving sectors for financial support. Agrani Bank  justifiably provides credit to them under different schemes. Agrani Bank  launched a joint venture program named Small Enterprise Development Program (SEDP) with NORAD, a Norwegian agency in 1995. This program was implemented in greater Mymensingh and Faridpur districts. The target fields were rice mill, oil mill, and nursery, repairing shops, fishery, weaving and many more. The bank is presenting micro credit and other supports to land less day labor for alleviation of poverty by generating employment. Agrani Bank  had designed some programs in collaboration with other agencies. One such program is Employment Generation Project for Rural Poor (EGPRP). This program was launched in 1995. All these programs are very much favorable to the micro enterprises and the poor. Terms and conditions are also customer friendly and easy to follow. On the other Hand in Private Banks Private Bank such as Bank Asia and Dutch Bangla Bank has SME banking for the Small and middle enterprise. Bank Asia have 10 SME service branches all over the Bangladesh. They have different 9 SME products that interest rate start from 10-17%. Dutch bangle bank have 3 SME branches. From the branches small and meddle enterprise can borrow from 100000 to 5000000 tk. Floating Interest rate is 17% and collateral 16%. As an entrepreneur must have experience at least 2 (Two) years. 6. Nonresident Bangladeshis customers products : Nonresident Bangladeshis now get banking facility through  Agrani Bank. They may have an account in taka, they may invest in Dollar Bonds. They are also allowed to have an F/C account. To compare with Private Bank Such as Bank Asia and Dutch Bangla Bank gives the account facilities and F/C account for the NRBs . NRBs can also invest in Euro Dollar bonds. . Islamic Banking product: Among the nationalized banks Agrani was the first to introduce Islamic Banking service. Agrani Bank  provides completely interest free Shariah based banking for their clients. Deposit services offer  interest free profit in compliance with Shariah. Agrani Bank, as per its slogan, is always beside the people in their struggle to come up with sustainable econom ic growth for themselves and for the nation. On the Other Hand Private bank Such as Bank Asia have Islamic banking services in 6 braches such as 3 in Dhaka, 1 in Chittagong and 1 in Sylhet. They provide completely interest free Shariah based banking to the clients. Deposit services offer  interest free profit in compliance with Shariah. Now a day most of the private banks start Islamic Banking Service to attract the all types of people. 8. Internet Banking : Agrani bank and Sonali bank don’t have internet banking services. On the Other Hand Private bank All private banks branches under online banking system will be able to do banking practices using a common server (which is centralized) from where only the branches will be able to enter using a common password. Dutch Bangla Bank and Bank Asia give the below internet banking services for their customers. Internet Banking Services * Check account balance * Take print out of account statement for a particular period   * Transfer fund within your own account * Make payment of mobile phone bill * Recharge your mobile phone as well as others from your account *   Enquire foreign exchange rate * Enquire currency exchange rates. * Acquire information on all our products. * Every transaction report will be sent to clients through e-mail account. *   Can change the password, pin code and respective  mobile number (For All Mobile Operator’s). 1. ATM Booth product : Now a day public bank doesn’t offer any ATM facilities for their Clients. On the Other hand With more than 1000 of ATM booths all over the country,  DBBL’s has the largest ATM networks in Bangladesh. DBBL offering free access to its ATM network for its subscriber. This network helped  DBBL  gaining more po pularity and confidence among subscriber and expanding banking opportunity to mass people. This entire network is being maintained by its own IT staff without any 3rd party dependency Brac Bank also has huge ATM booths facilities for their clients. 12. Credit / Debit Cards Product : Public bank offer credit / debit card facilities in a smaller range such as Sonali Bank Limited are one of the member banks of Q-Cash Consortium. Card holder of Sonali Bank Limited can use ATMs of consortium member banks, Dutch-Bangla bank and BRAC bank limited. Member Banks of Q-Cash Consortium. Agrani bank also give their clients debit card facilities but it not so popular. On the Other Hand Private bank such as Brac Bank offer Credit Card such as 1. Platinam card 2. Universal Card 3. Schedule of charge 4. Payment of Credit Card Bill Debit Card: Visa / Master Card Prepaid Card: 1. Hajj Card 2. Travel Card 3. Schedule of Charge Dutch Bangla Bank also offer different types of Debit, Credit, Prepaid Card and different types of offer amp; discounts. On the above comparison we see that public bank work with grass root level and more concentrate Last of all previous time Public commercial banks have fewer facilities than private commercial banks but now a day they try to increase their product and service. Private Banks gives a lot of services to their clients. For existence of the market private banks are increasing their products and services. Islamic Banking: The key difference is that Islamic Banking is based on Shariah foundation. Thus, all dealing, transaction, business approach, product feature, investment focus, responsibility are derived from the Shariah law, which lead to the significant difference in many part of the operations with as of the traditional. The foundation of Islamic bank is based on the Islamic faith and must stay within the limits of Islamic Law or the Shariah in all of its actions and deeds. Here, we take two banks for the comparison between Islamic Bank amp; Traditional bank: * Social Islamic Bank Limited (SIBL) * Shahjalal Islami Bank (SJIBL) Amongst the governing principles of an Islamic bank are: * The absence of interest-based (riba) transactions; * The avoidance of economic activities involving oppression (zulm) * The avoidance of economic activities involving speculation (gharar); * The introduction of an Islamic tax, zakat; * The discouragement of the production of goods and services which contradict the Islamic value (haram) Traditional Banking: On the other hand, traditional banking is essentially based on the debtor-creditor relationship between the depositors and the bank on one hand, and between the borrowers and the bank on the other. Interest is considered to be the price of credit, reflecting the opportunity cost of money. Among of many traditional banks we take two, those are: * National bank. * Brac Bank Comparison Between Islamic Banking And Traditional Banking: 1. Functions And Operating Modes: The functions and operating modes of SJIBL amp; SIBL banks are based on the principles of Islamic  Shariah. On the other hand BRAC Bank amp; National Bank are based on man maid principles 2. Interest Rate: SJIBL amp; SIBL do not used to fixed up the interest rate for their offering asset amp; liability products as like as traditional banks deal with. t promotes risk sharing between provider of capital (investor) and the user of funds (entrepreneur). Besides, The investor is assured of a predetermined rate of interest. They have fixed rate of interest. Example: In BRAC bank, they have â€Å"Prapti Current account† amp; their interest rate is given below: Amount of Balance| Specific Interest Rate| 0 – Be low 5,000| 0%| 5,000 – Below 100,000| 1%| 100,000 – Below 250,000| 2%| 250,000 – Below 500,000| 3%| 500,000 amp; Above| 4%| | 3. Profit Maximization: Both of them SJIBL amp; SIBL aims at maximizing profit but subject to  Shariah  restrictions. Besides they just shares profit amp; loss both. Example: They offer Al Wadiah Current Deposit Accounts. Where have No profit on Al Wadiah Current Deposit Account balances. Al-Wadiah current deposit account holder have no risk. In contrast, National bank ltd. amp; BRAC Bank has the aim of maximizing profit without any restriction. In contrast, SIBL amp; SJIBL share their profit amp; loss with their clients that indicates they don’t fixed up interest rate as aforementioned in traditional banking system. 4. Provided Loan Modes: Islamic law considers a loan to be given or taken, free of charge, to meet any contingency. So, The SJIBL amp; SIBL have no provision to charge any extra money from the defaulters. Only small amount of compensation and these proceeds is given to charity. Rebates are given for early settlement at the Bank’s discretion. Example: Al Wadiah Current Deposit Accounts Payment on Accounts demand Funds in the Al Wadiah Current Deposit shall be payable on demand and the Bank guarantees repayment of such funds in full, less the Bank charges Besides. Lending money and getting it back with compounding interest is the fundamental function for both of them. They can charge additional money (penalty and compounded interest) in case of defaulters. 5. Since SJIBL ;amp; SIBL shares profit and loss, they pay greater attention to developing project appraisal and evaluations. Example: Al Wadiah Current Deposit Accounts. No profit on Al Wadiah Current Deposit Account balances shall be allowed and the Bank at its own discretion uses the funds of Al-Wadiah current deposit accounts without any risk to the account holder. 6. Projects Development: The SJIBL ;amp; SIBL gives greater emphasis on the viability of the projects. In the comparison of BRAC bank ;amp; NBL banks’ income from the advances is fixed, it gives little importance to developing expertise in project appraisal and evaluations. 7. Deposits Accounts: Most importantly SJIBL ;amp; SIBL can only guarantee deposits for deposit account, which is based on the principle of  al-wadiah, thus the depositors are guaranteed repayment of their funds, however if the account is based on the mudarabah concept, client have to share in a loss position. * Al Wadiah Current Deposit Accounts * Mudaraba Savings Deposit Accounts Mudaraba Term Deposit Accounts * Mudaraba Short Notice Deposit Accounts In contrast, BRAC Bank have these types of deposits * Probashi Current Account * Probashi Savings Account * Probashi Fixed Deposit * Probashi DPS * Probashi Abiram In these accounts client don’t have to share in a loss position. 8. Zakat collection: In the modern Islamic banking system, it has become one of the service-oriented functions of the SJIBL ;amp; SIBL to be a Zakat Collection Centre and they also pay out their Zakat. They does not deal with  Ã¢â‚¬Å"Zakat,† as Islamic bank usually does. 9. Islamic Mode of Investment: Participation in partnership business is the fundamental function for both of them. * Participation Of partnership business Example: SIBL provide â€Å"Musharaka† service. It means means partnership business. Every partner has to provide more or less equity funds in this partnership business. Both the Bank and the investment client reserve the right to share in the management of the business. But the Bank may opt to permit the investment client to operate the whole business. In practice, the investment client normally conducts the business. The profit is divided between the bank and the investment client at a predetermined ratio. Loss, if any, is to be borne by the bank and the investment client according to capital ratio. * The status of SJIBL ;amp; SIBL in relation to its clients is that of partners, investors and trader, buyer and seller. Example: Bai-Muazzal. Bai-Muajjal is a contract between Buyer and Seller under which the seller sells certain specific goods ( permissible under Shariah and Law of the country ), to the Buyer at an agreed fixed price payable at a certain fixed future date in lump sum or within a fixed period by fixed installments. The seller may also sell the goods purchased by him as per order and specification of the Buyer. In Bank’s perspective, Bai-Muajjal is treated as a contract between the Bank and the Client under which the bank sells to the Client certain specified goods, purchased as per order and specification of the Client at an agreed price payable within a fixed future date in lump sum or by fixed installments. | IN contrast, BRAC bank has * Probashi Wage Earnes bond * US $ premium amp; Investment Bond Probashi Biniyog Probashi Wage Earners’ Bond| | Probashi Wage Earner Development Bond (WEDB) is a product designed by Bangladesh Central bank for Bangladeshi national living abroad. The objective of this product is to encourage the NRBs to invest their hard earned money to purchase WEDB on which the government guarantees a fixed interest rate. | | US Dollar Premium ;amp; Investment Bond| | US Dollar Premium Bond is a product designed by Bangladesh Central bank for Bangladeshi national living abroad. The objective of this product is to encourage the NRBs to invest their hard earned money to purchase WEDB on which the government guarantees a fixed interest rate. | Probashi Biniyog| | BRAC Bank Limited offers ‘Probashi Biniyog’ a product that exclusively provides Non-Resident Bangladeshis (NRBs) the opportunity to invest in the Bangladeshi Capital Market through a Beneficiary Owner’s (BO) account which will be funded by a Non Resident Investor’s Taka Account (NITA). Both BO account and NITA will be held with BRAC Bank Limited. | 9. Conclusions: In the conclusion we have differentiated different types of products of private and public banks, Islamic and traditional bank and local and multinational bank in Bangladesh. Basically we try representing a clear picture among two banks products base on their deposit products, loan products, ATM, cards, Interest rate , branch , SME product , rural ;amp; agriculture products. To compare their products we have used company website, visited the banks and talked with the employees of the banks. That has enriched the differentiation among different banks. 10. Reference How to cite Operation of Commercial Banks in Bangladesh, Papers

Crime and Punishment vs. Macbeth Essay Example For Students

Crime and Punishment vs. Macbeth Essay It can be argued that if Macbeth was not told the prophecy it would not have come true. Since Lady Macbeth planned the murder of Duncan after receiving knowledge about the prophecies. The prophecies that were foretold bound Macbeth. It is implied that he was bound by fate and had no way of escaping. Along with fate, a common motif is paranoia. Raskolnikov is constantly paranoid, and therefore is extremely agitated when the murders he committed are brought up in a conversation. An example of this is seen when acquaintances of his where discussing the death of the pawn broker. Even when Luhzin compliments the murderer, he dismisses them from his residence. Paranoia is shown in Macbeth by Lady Macbeth, she is sleepwalking while trying to wash away imaginary bloodstains. This scene directly parallels when Raskolnikov turned everything to the last threads and rags and mistrusting himself, went through his search three times, (92, Dostoevsky) the morning after the murder he looks over his rags to look for blood stains. As he finds one he uses a knife to remove the blood stained cloth rather than washing it. This shows his paranoia as it was possible to wash it but instead he chooses to remove the stain entirely. Blood is shown as a symbol of guilt and as shown in Macbeth and Crime and Punishment, it is difficult to wash off. The paranoia of Raskolnikov is further shown as he hides the items he stole after murdering the pawn broker. The theft of the items and dispersing them to the poor was the initial reason of the murder, therefore for him to attempt to hide them shows his fear of becoming caught. Macbeth is also shown to be fearful, as in order to establish a foothold, searches for the witches for additional prophecies. He was fearful of what the future held; therefore he took precautions in order to avoid the possible dire outcomes. Raskolnikov and Macbeth are considered criminals within their respective stories. Both exhibited behaviors that is common within criminals such as excessive paranoia. As a result they both had punishment for their crimes. The main difference between the two characters was how their punishment was carried out. Raskolnikov repented for his crimes and confessed, while Macbeth did not confess which caused his eventually downfall. Both authors present confession and acceptance as a way for renewal, they both also show that guilt and paranoia can drive one mad. Show preview only The above preview is unformatted text This student written piece of work is one of many that can be found in our International Baccalaureate Languages section.

Two Sided Fallacy Essays - English-language Films,

Two Sided Fallacy Jud Van Matre Eng 12 Honors Period 2 November 3, 2000 The Two-Faced Citizen The focal point of this essay is to define the life of Dr. Henry Jekyll, and the transformation he went through in becoming Edward Hyde. Dr. Henry Jekyll is a physician in London. He is very well respected and is currently experimenting the dual nature of man kind. Edward Hyde is a manifestation of Dr. Jekyll's personality. He is accused of committing evil acts throughout the novel. The first scene consists of Mr. Richard Enfield's and Mr. Utterson walking along a street in London. Mr. Enfield has a recollection of a previous incident in which he witnessed an extremely unpleasant man trampling upon a small screaming girl while this man was running somewhere. A large crowd had gathered around and they saw the man, Edward Hyde. The crowd forced the man to give money to this girl for trampling over her. Hyde did not run over her for any reason. He just did it out of spite and evil. He represents all the evil in the world. The reaction of others to him is one of horror because while looking at him, others feel a desire to strike out at him and kill him. His physical appearance brings out the worst evil in other people. Since Hyde represents evil, he is symbolically represented as being much smaller than Dr. Jekyll. I believe Dr. Jekyll created Hyde because he had a theory that man has a good side and a bad side. While investigating this, he developed a potion that could release the evil in a person in the form of a totally different person. Then this person could commit any evil act it wanted, and then drink the potion to return back to normal. The only problem with this is the fact that he drank this potion so many times, he was no longer able to control this process. He was unable to transform back into Dr. Jekyll. Another example of Hyde's evil is in the killing of Sir Danvers Carew. Sir Danvers appears to have been killed for no apparent reason. The murder of Sir Danvers was seen by a maid who was working nearby. She states that Hyde meet with a man in the street. After the two exchanged words, Mr. Hyde lifted his heavy walking stick and clubbed the old man to death. This tells us the reader that Mr. Hyde has grown in fury. From trampling over a child in the first scene, he now commits murd er for no reason. I believe Hyde killed Sir Danvers because Sir Danvers was described as being a peaceful and good man. Hyde represents pure evil, so naturally he would hate good gentlemen. The only reason why Sir Danvers dies, was because he was a good man. He not only killed Sir Danvers', he had to trample over him. The goodness of Sir Danvers brings out the most intense evil in Hyde. From the source Selves and Shadows we receive an indepth look into the novel. David Hume asks the question, Would any man, who is walking along, tread as willingly on another's gouty toes, whom he has no quarrel with, as on the hard flint and pavement? Well, here is that man, and his total blindness to any feeling but his own is central to his character. As Jekyll puts it, when he is eventually driven to attempt a choice between his two lives. It is very obvious that no man would want to start a fight, if there is no reason to fight. Since Mr. Hyde represents the evil in men, Dr. Jekyll releases his evil through his other side, Mr. Hyde. Mr. Hyde is Jekyll's way of releasing his anger. In the final chapter called, Jekyll's Full Statement Jekyll reveals everything. He states, No one but me knows my true nature. All these years, the public has seen only a veneer of my real self. This is so very true due mostly to the fact that no one knew Mr. Hyde was a part of Dr. Jekyll. Jekyll constantly emphasizes the greatness of his background. He reminds us of his wealthy family, and great education. But he

Western Carolina University GPA, SAT ACT Requirements

Western Carolina University GPA, SAT ACT Requirements Western Carolina University GPA, SAT and ACT Graph Western Carolina University GPA, SAT Scores and ACT Scores for Admission. Data courtesy of Cappex. How Do You Measure Up at Western Carolina University? Calculate Your Chances of Getting In  with this free tool from Cappex. Discussion of WCUs  Admissions Standards Western Carolina University has moderately selective admissions. The admission bar is not overly high, but the acceptance rate was just 40% in 2015.   Successful applicants will need solid grades and standardized test scores as you can see in the graph above. The blue and green dots represent students who were admitted. Most had SAT scores of 950 or higher, an ACT composite of 18 or higher, and a high school average in the B range or better. Note that there are a few red dots (rejected students) and yellow dots (waitlisted students) mixed in with the green and blue in the middle of the graph. Some students with grades and test scores that were on target for Western Carolina University did not get get in. Note also that a few students were accepted with test scores and grades a bit below the norm. This is because Western Carolina University has an admissions process that is at least partly holistic for many students, the university will look at more than grades and test scores. The rigor of your high school courses matters, and success in honors, AP, and IB classes is factored into the admissions decision. Also, although not required, WCU will consider  a personal essay and letters of recommendation. Finally, realize that some programs at WCU have additional admission requirements such as a portfolio, audition, or minimum GPA. To learn more about Western Carolina University, high school GPAs, SAT scores and ACT scores, these articles can help: Western Carolina University Admissions ProfileWhats a Good SAT Score?Whats a Good ACT Score?Whats Considered a Good Academic Record?What is a Weighted GPA? Articles Featuring Western Carolina University Southern ConferenceSouthern Conference SAT Score ComparisonSouthern Conference ACT Score Comparison If You Like Western Carolina University, You May Also Like These Schools Appalachian State University:  Profile  |  GPA-SAT-ACT GraphWingate University:  Profile  North Carolina State University:  Profile  |  GPA-SAT-ACT GraphGardner-Webb University:  Profile  Campbell University:  Profile  |  GPA-SAT-ACT GraphElon University:  Profile  |  GPA-SAT-ACT GraphUNC - Wilmington:  Profile  |  GPA-SAT-ACT GraphCoastal Carolina University:  Profile  |  GPA-SAT-ACT GraphMars Hill University:  Profile  Clemson University:  Profile  |  GPA-SAT-ACT GraphWake Forest University:  Profile  |  GPA-SAT-ACT Graph

The Print Media Research Proposal Example | Topics and Well Written Essays - 1000 words

The Print Media - Research Proposal Example However, a recent detailed version of the story public on the New York Times reveals the account from the lens of the bloggers which is indicated by the mere headline of the piece, i.e. ‘NYC Mayor De Blasio: Police Were Disrespectful to Turn Backs’. In other words, the gist of the story which clearly speaks of the account of how the Mayor castigates the police officers is revealed by the headline. Any reader referring to the news story or even an opinion leader mentioning this news story can`t help but readily demonstrate an inherent bias towards the issue. Further reading into the story, the story reveals the account of how the Mayor castigated the NYPD and directly targeted those who created a scene at the funeral earlier saying that these officers were disrespectful towards the families of the deceased. Furthermore, the piece is worded in such a way that it would appear to the reader as if the Mayor exceeded his limits and was too harsh on the innocent officers. Moreo ver, another report says that Mayor avoided the reporters for weeks, which has again been presented in such a way that the readers would perceive as if the Mayor was merely engaged in face-saving. Therefore, clearly, the piece lacks balanced approach. However, the same paper reported the issue in a contrasting context earlier where the bias was placed more in the favor. The opinion editorial published in New York Times labeled ‘Respect for NYPD Squandered in Attacks on Bill de Blasio’ presents yet another picture where the paper takes a contrasting direction.

Labor market Term Paper Example | Topics and Well Written Essays - 1250 words

Labor market - Term Paper Example America’s obsession with Industrial began with Slater’s mills in which textiles became the primary market to produce. Although it may seem a new age, most workers were orphans or children who owed debt to the nation. The drive of capitalism for this country relied on many factors that included slavery, turned raw goods into products, factories, and the ability to produce such a drastic workforce. Hence, Smith’s ideas of capitalism along with an adequate labor force. The labor market impacts the economy through market equilibrium, immigrants, and statutory laws enacted by the government (Abowd, 12). During a recession, when the economy struggles to thrive, employment is diminished as the labor force is not to keep the market equilibrium in check. Consequently, during an economic book, both employment and inflation rise due to the money supply market. Labor, capital, natural resources and entrepreneurship are the key elements that contribute to serve as a catalyst for the economic growth of US. Labor consists of the people who produce the goods and services in an economy while capital is the equipment, machinery, manufacturing plants and office buildings needed to produce goods and services (The Workers Union. 2). Labor is also influenced by government investment in infrastructure, such as schools, roads and parks. These can also have an effect on the wages paid to the labor force because people are willing to relocate depending on the competitive salaries offered. The economic history of labor market is associated with the correlating the forces that drive the allocation of lab or effect in the economy during different times. Labor market institutions are prevalent in society as the formation of unions is the testament towards the collaboration and gathering of the labor market (The Workers Union, 28). In addition, the new decade has witnesses the evolution of labor market as job staffing agencies have been created in order

BUSINESS RESEARCH WEEK4 TEAM ASSIGNMENT Example | Topics and Well Written Essays - 250 words

BUSINESS RESEARCH WEEK4 TEAM - Assignment Example This is because qualitative research provides a conclusive, extensive and detailed description of the phenomenon under investigation. It can be regarded as more exploratory in nature. On the other hand, quantitative research involves more of numerical data collection and calculations such as counting, classification, construction of statistical models and figures to elucidate the observed phenomena. Therefore, qualitative is essential for earlier phases of the business research design. The stiff competition faced by Samsung Electronics on the global smartphone market is influenced by other factors apart from quality of products. Price and consumer preferences tend to influence the purchasing power of potential customers. Thus, in qualitative research the research strategies include personal interviews, surveys, non-structured and structured interviews, analysis of documentaries or focus groups, personal observations and research of archives materials. The data gathered from customers and employees has to be then analyzed and documented. The data is the presented in form of words, objects, images, videos, figures or graphs. Use of qualitative research as the primary research design in the Samsung issue involves viewing the marketplace as a social construction with regard to the perceptions of individuals. The concern is to understand the reason why customers tend to shift to other products from its competitors. Also, conduct surveys on its customer services, and efficiency of its

Female Prison Inmates Health Evaluation

Female Prison Inmates Health Evaluation Charity Chin Yin Description of Target Population The target population being assessed is female prison inmates who are scheduled for release in three months. Prison is a place where people are being restricted to everything and where they lose their freedom, movement, and access to everything as a punishment. It is a place where people will go when they commit a crime. According to Bureau of Justice Statistic, in the year of 2015, there were 73,645 female inmates admissions in National Statistics in the United States, 4,675 in Federal prison, and 9,884 in the State prison of Texas (1). Statisticians, Geenfeld and Snell, from Bureau of Justice Statistics (BJS) mentioned that the majority of the females involved with the justice system are at least completed high school and graduates with an estimation of 60% of those on probation, 55% of those in local jails, 56% of those in State prisons, and 73% of those in Federal prison. In addition, 30%-40% of high school graduates have attended some college or more (2). A key informant. Steve Talbert, a Licensed Professional Counselor and Licensed Sex Offender Treatment Provider in Lubbocks juvenile, mentioned that the juvenile offenders in Lubbock county are mostly from the age of 20 to 28 (3). However, based on the BJS Statisticians for females who are in both State and Federal prisons, is it estimated that 1 in 5 women on probation or in local jails are under age 25; 1 in 8 State prisoners and 1 in 11 Federal prisoners are of age 25. Furthermore, nearly a quarter of Federal prison inmates are at least 45 years old (2). According to the percentages on specific ethnicities, Blacks and Hispanics were imprisoned at higher rates than Whites in all age groups. About two-thirds of women under the probation are white and nearly two-thirds of those confined in local jails and State and Federal prisons are the minority Black/African, Hispanic, and other races. Hispanics account for about 1 in 7 women in State prisons but nearly 1 in 3 female prisoners in Federal custody (2). D uring the research, it was hard getting the latest result; however, during the year 2007, there were 60% of the women prisoners were not employed full time when they were arrested, and 37% had incomes under $600 in the month leading up on their arrest, and nearly one-third (30%) of women were receiving welfare benefits prior to their arrest (4). Assessment of Nutritional Needs According to Steve Talbert, the key informant, he mentioned that the inmates do not have access to nutritious food items, all they have are mainly canned vegetables and under-cooked chicken, even so they only have 15min-30min of meals time (3). The inmates have to eat while they walk so that they manage to finish their meals on time (3), thus having poor nutritional status and poor health when compared to the general population (5). According to some studies, The United States prison inmates shows poor intake of vitamin D (5), because they are confined in their cells most of the time. Due to the lack of vitamin D, it links the inmates to other health problems such as poor skeletal health, lower muscle strength, low bone mineral density, osteoporosis, and fracture (5). Inmates have a very strict and limited time; therefore, they do not have much physical activity which causes chronic diseases. Based on Bureau of Justice Statistics, in 2011-2012, half of state and federal prisoners and local jail inmates reported having a chronic condition (including cancer, high blood pressure, stroke-related problems, diabetes, heart-related problems, kidney-related problems, arthritis, asthma, and cirrhosis of the liver) among all the prisoners, however females were more likely than males to report ever having a chronic condition (6). Majority of the prisoners (74%) and jail inmates (62%) were overweight, obese, or morbidity obese (6). In addition, it is also known that the health of the inmates deteriorated along with the length of stay in jail. The author from Medical Daily mentioned that the meals in prisons contains very little nutrition, low cost, and taste badly (7). Prison systems have a lengthy history of poor food quality as 95% of uneaten food is not thrown out, but rather frozen and reserved up to seven days after it was first distributed to the inmates; meals lack basic dietary necessities, and fruits and vegetables are absent from inmate trays otherwise asked for due to budget cuts (7). The prisoners diets are lacking of macronutrient, micronutrient, and the basic daily requirements. According to Medical Daily, the reporters analysis of the menu from the prison concludes that the prisoners are missing of leafy greens, fiber, whole grains, heart-healthy fats, and other viral nutrient (7). Instead of three meals a day, only two were served with about 10 to 14 hours apart (8). The inmates have do not have a choice to choose the food they want and in order to stay full throughout day, they have to eat whatever that is being served to prevent hunger. Many inmates reported that they could not sustain and ended up eating toothpaste, toilet paper, licking syrup packets and drinking excessive amounts of water to combat their hunger. Some even claim that the portions they received are not even enough to fill a five-year-old child (8). However, in Texas law, it is required for inmates to be fed three times in 24 hours but it only applies to county jail inmates and not state prisoners; however, it does not mandate that prisons offer inmates three meals a day (8). Implications for Nutrition Education A vast majority of female prisoners have the thought of whether they will have enough food for themselves or for their families due to their incarceration. Half of them were incarnated most of their life and did not know what had happened outside those walls, so they might not know how to shop and where to get food, lack the skills to cook a meal, and do not know anything about food assistance programs. They were so used to having people to cook for them and because of restricted time they were not able to have much physical activity. The usage of literacy sources such as nutritional pamphlets and recipes could enable the prisoners to cultivate a healthy diet with regular physical activities. preventing them from any nutrition-related chronic disease and help them to maintain a healthy lifestyle. Implementing and developing intervention that focuses on skill building and developing healthy lifestyle that incorporate good nutritional practices and physical activity (9).ÂÂ   Imple menting education program on portion sizes and calorie estimation, healthy food purchasing with budget, cooking classes and even food sanitation classes, as well as focusing on healthy eating with a balance diet helps decrease the risk of chronic disease In summary, a curriculum for this target population should include lessons on nutrition and childhood nutrition (portion sizes, nutritional balance and choice of food), skill in relation to cooking, budgeting, purchasing, and preparing (safe food handling practices and procedures), and also physical activity habits. Available Program There are several federal aid programs that distribute in Lubbock Texas that are eligible for women. These are the few programs that can provides and assists those who are struggling at no cost. One of the program is Supplemental Nutrition Assistance Program (SNAP) that is available to female adults who struggles to buy food. This program is eligible for those who meet the requirements based on household size, income, assets, housing costs, work requirements, which is mainly for low-income individual and families (10). The purpose of this program is to improve the low-income households by increasing access to food or food-purchasing ability (10). This program can apply through the USDA official website which is https://www.fns.usda.gov/snap/supplemental-nutrition-assistance-program-snap (11) or https://www.yourtexasbenefits.com/Learn/Home (12) for the state of Texas, and even locally at Lubbock South Plains Food Bank by contacting them at (806)-686-1317 or https://www.spfb.org/welcom e_to_snap (13). Another program is Special Supplemental Nutrition Program for Women, Infants, and Children (WIC). If a woman is pregnant, breastfeeding, and postpartum with infants or with children under the age of five, assessed by qualified health professional that they are nutritionally at risk, and meet the income standard at or below 185% of the poverty guidelines, then she is eligible to participate in the WIC program. The purposes of this program are to provides nutritious foods to supplement diets, information on healthy eating, nutrition education and counseling, screening or referrals to other health care, welfare, and social services to those who got accepted (10). This program is available nationwide, statewide, and locally. There are four locations in Lubbock, women can find out more about this program by contacting the local office at (806)-907-0080 (14). If more information about local food stamps is needed, Lubbock Health and Human Services Office is available at (806)-744-7632 (15). References Carson, E. Ann. Bureau of Justice Statistics. Number of admissions of sentences female inmates to state or federal prison, 1978-2015). National Prisoner Statistics Program. Website. Available at www.bjs.gov. Accessed February 27, 2017. Greenfeld, A. Lawrence and Snell, L. Tracy. Women Offenders. Bureau of Justice Statistics Special Report. U.S. Department of Justice. Office of Justice Programs. Revised 10/3/2000. Pp. 14. Website. Available at https://www.bjs.gov/content/pub/pdf/wo.pdf. Published December 1999. Accessed February 28, 2017. Key Informant, Steve Talbert, Licensed Professional Counselor (LPC), Licensed Sex Offender Treatment Provider (LSOTP). Interviewed on February 24, 2017.Telephone: (806)-577-7924. Interviewed on February 24, 2017. The Sentencing Project, Research and Advocacy for Reform. Women in the Criminal Justice System, pp. 3. Website. Available at http://www.sentencingproject.org/wp-content/uploads/2016/01/Women-in-the-Criminal-Justice-System-Briefing-Sheets.pdf. Published May 2007. Accessed February 27, 2017. Benjamin Udoka Nwosu, Louise Maranda, Rosalie Berry, Barbara Colocino, Carlos D. Flores Sr., Kerry Folkman, Thomas Groblewski, and Patricia Ruze. The Vitamin D Status of Prison Inmates. Website. Available at https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3944727/. Published: March 5, 2014. Accessed February 27, 2017. Laura M. Maruschak, BJS Statistician, Marcus Berzofsky, Dr.P.H., and Jennifer Unangst, RTI International. Medical Problems of State and Federal Prisoners and Jail Inmates, 2011-12. U.S Department of Justice, Office of Justice Programs, and Bureau of Justice Statistics. Revised October 4, 2016. Website. Available at https://www.bjs.gov/content/pub/pdf/mpsfpji1112.pdf. Published: February 2015. Accessed February 28, 2017. Samantha Olson. Medical Daily. Aug 27, 2015. Website. Available at http://www.medicaldaily.com/1-week-prison-food-diet-reveals-problems-inmate-meals-low-cost-bad-taste-and-349572. Accessed February 28, 2017. Alysia Santo and Lisa Iaboni. Whats in a Prison Meals? The Marshall Project. July 7, 2015. Website. Available at https://www.themarshallproject.org/2015/07/07/what-s-in-a-prison-meal#.PCevh6rcc. Accessed February 28, 2017. Jennifer Decker and Jigna Dharod. Nutrition Education Needs of Women Being Released from Prison. Maine Nutrition Network, USM. USDA, Food Stamp Nutrition Education, 2006. Website. Available atÂÂ   https://snaped.fns.usda.gov/snap/resourcefinder/WomenReleasedFromPrison.pdf. Accessed March 1, 2017. Boyle Marie A. Community Nutrition in Action: An Entrepreneurial Approach 7th ed. Boston, MA; pp 389-393. Textbook. Published 2016. Accessed March 1, 2017. United States Department of Agriculture (USDA). Supplemental Nutrition Assistance Program (SNAP). Available at https://www.fns.usda.gov/snap/supplemental-nutrition-assistance-program-snap. Published January 30, 2017. Accessed March 1, 2017. Texas Health and Human Services Commission. Your Texas Benefits. Available at: https://www.yourtexasbenefits.com/Learn/Home. Accessed March 1, 2017. South Plains Food Bank. Welcome to Snap. Available at: https://www.spfb.org/welcome_to_snap. Accessed March 1, 2017. Texas Department of State Health Services. Texas WIC. Available at: http://texaswic.dshs.state.tx.us/wiclessons/english/zipcodelocator/. Accessed March 1, 2017. Food Stamps Offices: Nationwide Office Search. Lubbock Health and Human Services Office. Available at: http://www.foodstampsoffices.com/lubbock-tx/. Accessed March 1, 2017

Orphans in Nineteenth-Century England Essay -- Eurpean History Papers

Orphans in Nineteenth-Century England    There is no denying that the nineteenth century in England was a time of tremendous changes throughout the social and economical spectrums. As the adults adjusted to these changes prompted by the Industrial Revolution as best they could, many children, in particular orphans, were faced with poor living conditions that limited their successes later in life. Although most orphaned children were fortunate enough to be placed into sufficient living circumstances, many of them were not as privileged. By discussing the various living conditions of orphans in nineteenth-century England, one can better understand their position in the English society and realize why their later successes were so limited. As is true today, the majority of children lived with their parents in the nineteenth century. Many, however, were unable to do so for any number of reasons. These reasons ranged from overcrowding in the home to extended relatives needing aid from a young individual to children being orphaned. Although orphaned children were definitely an exception to the norm at that time in England, the number of children who had lost one or both of their parents was quite high in comparison to today’s standards. One estimate states that in 1861, 11 percent of Victorian children had lost a father by the age of ten, 11 percent had lost a mother, and 1 percent had lost both parents (Horn 63). A major contributor to this number was the prevalence of diseases, such as typhus and tuberculosis, which greatly affected the poor and working classes in the busy factory towns. The most common fate of orphaned children was to be "adopted" by another family. This allowed for the orphans to remain a part of a fami... ...fortunate. Although orphans could go on to earn adequate livings as adults, becoming an orphan in nineteenth-century England was all too often a sentence for failure. The English government and citizen volunteers attempted to aid the growing number of orphans as the nineteenth century progressed; however, the attempts to improve their unsatisfactory conditions were seldom enough.       Works Cited Horn, Pamela. The Victorian Town Child. Thrupp, UK: Sutton, 1997. Jordan, Thomas E. Victorian Childhood. Albany: State U of New York P, 1987. Mitchell, Sally. Daily Life in Victorian England. Westport, CT: Greenwood, 1996. Nord, Deborah Epstein. "‘Orphans and Republicans’: Social Policy and Morality in Victorian Britain." Dissent 42 (1995): 167-8. Peters, Laura. Orphan Texts: Victorian Orphans, Culture and Empire. Manchester: Manchester UP, 2000.