Data Protection and Theft - Free Essay Example

DATA PROTECTION AND THEFT Forms of Data in Law Firms The (Indian) Information Technology Act, 2000 (hereinafter referred to as the Act) deals with the issues relating to payment of compensation (Civil) and punishment (Criminal) in case of wrongful disclosure and misuse of personal data and violation of contractual terms in respect of personal data. Data is defined under Section 2(o) of the information Technology Act, 2000 as: à ¢Ã¢â€š ¬Ã…“data means a representation of information, knowledge, facts, concepts or instructions which are being prepared or have been prepared in a formalised manner, and is intended to be processed, is being processed or has been processed in a computer system or computer network, and may be in any form (including computer printouts magnetic or optical storage media, punched cards, punched tapes) or stored internally in the memory of the computer; à ¢Ã¢â€š ¬Ã…“ Law firms have an immense pool of critical and private data and its usage in any other manner, other than the instruction of the clie nt raises an ethical and legal question. In order to obtain legal advice a client often confide with the law firm with embarrassing details, classified information, future plans. Therefore it is of utmost importance that such data be protected. Additionally, it is to be noted that the obligations of law firms to protect confidential data begins only after the creation of a relationship of an attorney and client.[1] Furthermore, The Indian Evidence Act, 1872 under sections 126 to 129 deals with the privileged communication that is attached to professional communication between a legal adviser and the client. It prohibits attorneys from disclosing any communications exchanged with the client and stating the contents or conditions of documents in possession of the legal advisor in course of and for the latters employment with the client. The responsibility which is carried by the attorney while discussing with the client, is also to be maintained within a law firm which engages t he services of various attorneys. Effect and obstacles to data theft The electronic nature of data leaves a gaping hole for exploitation and therefore theft largely goes unnoticed until the revelation by the perpetrators of such theft. Further the effect of data theft in a law firm shall result in concealing such a fact from the client and the public in general to avoid any embarrassment, reputational damage and reduced client confidence for inability to take any action to curtail such theft. Section 72A of the Act provides that disclosure of information, knowingly and intentionally, without the consent of the person concerned and in breach of the lawful contract has been also made punishable with imprisonment for a term extending to three years and fine extending to INR 5,00,000 (Approx. US$ 10750). Further Section 72 of the Act provides for penalty for breach of confidentiality and privacy. The Section provides that any person who, in pursuance of any of the powers conferred under the Act, Rules or Regulations made thereunder, has secured access t o any electronic record, book, register, correspondence, information, document or other material without the consent of the person concerned, discloses such material to any other person, shall be punishable with imprisonment for a term which may extend to two years, or with fine which may extend to INR 100,000, or with both. Method of data protection Many of the vulnerabilities that exist in protection of data from theft exists due to the inadequacies present in the computer system administrators. Further, even if such loopholes are adequately covered by the programmers and administrators, the trust, freedom to work, enjoyed by the employees and advocates working with a law firm enable them to exploit such a position to their own advantage. Further by virtue of Section 43A of the Act, any body corporate including a firm may be held responsible for leak of sensitive information or data in case it is negligent in implementing and maintaining a reasonable security standards and procedure. Further in case any wrongful loss is caused in consequence of such leak, the firm shall be responsible to pay compensation as well as damages to such a person affected. In order to curb such misuse of data usage various firms employ various tactics. Titus Co., a law firm based out of New Delhi, does not allow temporary employees, or interns to c arry any mobile devices into their office premises. Reasonable security practices and procedures is defined under Explanation (ii) of Section 43A of the Act as security practices and procedures designed to protect such information from unauthorised access, damage, use, modification, disclosure or impairment as may be specified in an agreement between the parties or as may be specified in any law for the time. Moreover the Government of India in conference of the powers granted under Section 87 read with Section 43A of the Act, framed the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 (hereinafter referred to as the Rules). Rule 3 of the Rules defines sensitive personal data or information as any information involving the financial information, passwords, physical, psychological condition, sexual orientation, biometric information or any clause of a contract. Further, Rule 4 and 5 of the Rules prescri bes that sensitive data and information held by a body corporate or any person on its behalf, then a privacy policy for handling of or dealing in personal information including sensitive personal data or information shall be prepared by the body corporate and it shall ensure that the same is available for view by such providers of information who has provided such information under lawful contract. Additionally, Rule 4 of the Rules states that disclosure of any personal data or information requires the prior permission of the provider of the information. It is pertinent to note that the Ministry of Communication and Information Technology, vide Press note dated 24.11.2011 has clarified that the Rules were applicable on law firms.[2] Moreover, the Bar Council of India, the statutory authority which regulates and represents the Indian bar mandates that an advocate shall not breach the obligations imposed upon him/her under Section 126 of the Indian Evidence Act. [3] Conclusion Undoubtedly, the concept of data theft and protection is at a nascent stage in India. Whoever there are reasons for jubilation with the Data Privacy Protection Bill, 2013 pending in the parliament. Further the framers of the Rules have attempted to adopt ideas from jurisdictions which have long standing and mature data protection regulations. These Rules are only therefore a first step. Moreover, stringent implementation of the law and healthy development of the data privacy and protection jurisprudence in the long run is what one needs to watch out for. [1] Kalikumar Pal v. RajkumarPal 1931 (58) Cal 1379, Para 5 [2] Ministry of Communication and Information technology, Press Note No. 11-7/2010-S-I(Pt. 1) [3] Bar Council of India Rules, Part VI, Chapter II, Section II, Rule 17.

College Essay on Iraq - Writing a College Essay on Iraq

School Essay on Iraq - Writing a College Essay on IraqWriting a school article on Iraq isn't at all troublesome, however the conditions you should write to may raise you ruckus. You can generally change your reasoning and thoughts during your school exposition, and keep in touch with them as indicated by the circumstance that you are in. You can likewise alter your expositions as per the creator's rules.The outcome of the Second World War is a serious point for conversation, yet there is no uncertainty that we are more than as yet experiencing the results of war. A few books have been expounded on the war, and it is for the most part the guardians of today who need their youngsters to know the reasons why they ought not be against the utilization of this weapon. On the off chance that you have composed a school paper on Iraq, at that point you should consider your perspective and investigation during the post-war time of the US.A parcel of data has been expounded on the occupation po wers during the Iraq war, and the united powers. Some data is valid, while some isn't, and in the event that you compose a school exposition on Iraq, you should examine about the correct sort of information.One fascinating thing about Iraq is that it is said that the occupation powers didn't utilize any synthetic weapons, as they could always be unable to complete such an activity. Nonetheless, we as a whole realize that Iraq was the casualty of a significant fear monger assault in which they endured overwhelming misfortunes, and it is conceivable that there were no synthetic weapons utilized, yet they suffered misfortunes. The truth these individuals will always be unable to do these sorts of actions.You might be composing your school paper on Iraq, and different's foes, who assaulted this nation, are Saddam Hussein, Osama container Laden, or Saddam Al-Rafai. In the event that you compose a school paper on Iraq, at that point you should demonstrate to your peruser that there is no uncertainty about the way that Saddam is the adversary, and Osama BinLaden is the companion. At the end of the day, you have to demonstrate to your peruser that Saddam and Osama are not the enemy.Since, this isn't the point at which you can compose a school article about Iraq, you may need to consider the foundation of these individuals and the circumstances encompassing them. You might have the option to demonstrate to your peruser that they are in an exceptionally troublesome situation in Iraq, and you don't reprimand them for doing this. On the off chance that you compose a school exposition on Iraq, you have to show the peruser that you consider the dangers they are looking to be an unavoidable thing, and they had no real option except to utilize any way to protect themselves.Whatever you decide to write in your school paper on Iraq, you should be reliable in your thoughts. Your fundamental objective is to demonstrate to your peruser that you have composed a school paper on Iraq , and you will just utilize your sentiment and think about the circumstance of the nations at that point, with the goal that you don't outrage anybody.

Cambridge IELTS Essay Samples For ESL Students

<h1>Cambridge IELTS Essay Samples For ESL Students</h1><p>Cambridge IELTS expositions tests are an entirely significant device in the journey to get capable in perusing, composing and communicating in the English language. This sort of programming is turning out to be progressively famous nowadays as more understudies and hopeful experts use it. The typical use for IELTS programming is by individuals who are attempting to take the English Baccalaureate exam.</p><p></p><p>For an individual that is simply beginning and needs to improve their capacity to peruse, compose and communicate in English with the goal that they can improve in their activity, it is an incredible choice. An IELTS based educational plan empowers understudies to look over their essential perusing and composing abilities just as acing the English language by rehearsing by perusing an exposition. A large portion of the Cambridge IELTS paper tests are focused on ESL understudi es since that is the thing that they are teaching.</p><p></p><p>There are numerous reasons why you should catch up on your perusing and composing abilities. One explanation is to improve your odds of getting employed in a business or business related position. A subsequent explanation could be to help improve your odds of getting a higher evaluation on your tests. It would likewise help on the off chance that you were attending a university and needed to get some school credit, or even alumni in some cases.</p><p></p><p>Some may think about how this kind of programming will help them when they are attempting to compose an exposition or complete some other sort of English composed task. On account of the last mentioned, there are a great deal of ways for an understudy to compose an article effectively. What's more, one of the fundamental advantages of the Cambridge IELTS is that it has a decent arrangement of test expositions for an ass ortment of subjects that will enable the understudy to comprehend the nuts and bolts of the English language.</p><p></p><p>The preferred position to an ESL understudy is that it is simpler for them to comprehend English than it is for a local English speaker. So as to compose papers and even total assignments accurately, you must have the option to tune in, comprehend and utilize the English language as an instrument so as to comprehend the current subject. With the Cambridge IELTS exposition tests, it is conceivable to comprehend the English language to a progressed level.</p><p></p><p>This is an extraordinary advantage for English students. As recently referenced, one of the fundamental reasons an understudy would need to take this sort of mechanized ESL program is to get passing marks on their tests. Another explanation would be that an individual who is as of now conversant in English would need to catch up on their abilities so as to improve in their job.</p><p></p><p>There are various choices accessible to an understudy that is hoping to look over their English talking and composing aptitudes. They may need to locate an English language coaching administration, try out an ESL class or take up a conversational English program. Be that as it may, taking up an ESL class is typically a more costly choice than the others.</p><p></p><p>Since the Cambridge IELTS paper tests are outfitted towards ESL understudies, it bodes well for them to have these sorts of projects. These kinds of projects to empower an understudy to become familiar with the nuts and bolts of composing and perusing appropriately. It additionally empowers them to start to perceive the complexities of the English language. A large portion of all, it permits them to advance in their English abilities at their own pace.</p>

Writing a Masters Final Portfolio and Course Reflection Essay

<h1>Writing a Master's Final Portfolio and Course Reflection Essay</h1><p>Writing a Master's last portfolio and course reflection article is the initial move toward moving on from Syracuse University. With more than 40 undergrad projects and six advanced education programs, Syracuse is an extraordinary spot to go to class. Understudies will take courses, for example, Accounting, Biology, Chemistry, Criminal Justice, English, Finance, Business Administration, English Composition, English Literature, English Language Arts, Film, Geography, History, Humanities, Liberal Arts, Liberal Studies, Mathematics, Music, Philosophy, Psychology, Religion, Social Science, Spanish, Theater and Women's Studies. What's more, there are a few courses that understudies should focus on: Intro to Advertising, Intro to Journalism, Intro to Graphic Design, Intro to Marketing, Intro to Web Design, Intro to Writing, Intro to Writing in Creative Styles, Introduction to Film and Video Productio n, Introduction to Marketing for Entertainment, Introductory Statistics, Introduction to Sports Law, Intermediate Advertising, Intermediate Marketing, Interdisciplinary Communication, Internet Marketing, Marketing Strategy, Residual Marketing, Graphic Design, Radio and TV Advertising, Sports Marketing, Video Production, Typography, Visual Marketing, Writing Project Based Learning, Writing, Writing Project Based Learning, Writing and Typography, Writing Project Based Learning.</p><p></p><p>Writing a Master's last portfolio and course reflection exposition will assist you with pondering your encounters and give a set up account of your examinations. By thinking about your endeavors in a significant manner, you will be better ready to compose a Master's last portfolio and course reflection paper that will best mirror your own point of view and abilities.</p><p></p><p>A Writing a Master's last portfolio and course reflection article must c oncentrate on a part of your life that straightforwardly influences your scholarly exhibition. The paper will expect you to think about your profession objectives and the regions where you believe you are most successful.</p><p></p><p>Writing a Master's last portfolio and course reflection exposition will be your opportunity to communicate your enthusiasm for learning. Keep in mind, achievement isn't estimated by grades. Your hard working attitude is considerably more significant than your evaluation point average.</p><p></p><p>Writing a Master's last portfolio and course reflection exposition will be the start of another part in your life. As you ponder your past, you will find who you truly are and what you are enthusiastic about. You will likewise turn out to be increasingly mindful of your qualities and the zones in which you have to keep on develop.</p><p></p><p>After you have composed your last portfolio a nd course reflection paper, your thesis counselor will survey it to guarantee you have met all prerequisites for graduation. On the off chance that your paper is endorsed by your guide, you will get a Master's qualification from Syracuse University.</p><p></p><p>Most college understudies decide to finish their Master's program at Syracuse University due to the numerous assets accessible to them, including more than thirty undergrad majors to look over, a personnel of recognized teachers, and open doors for undergrad investigate ventures. Furthermore, Syracuse is authorize by the North Central Association of Colleges and Schools (NCAACS) and offers a standout amongst other business colleges in the country.</p><p></p><p>To study an online Master's program at Syracuse University, contact your secondary school guide or discover a rundown of accessible classes on the college's site. For more data on an endorsement program in bookkeeping, pr omoting, money, showcasing the board, or advertising, contact the program chief. Finally, for data on a declaration program in business organization, interchanges, universal examinations, human science, human studies, science, criminal equity, English, or unknown dialects, contact the program director.</p>

The Secret Truth About Topics to Do an Argumentative Essay on Revealed

<h1> The Secret Truth About Topics to Do an Argumentative Essay on Revealed </h1> <h2> How to Get Started with Topics to Do an Argumentative Essay on? </h2> <p>You should partake in extensive examining to cover all components of this issue and all purpose of perspectives by various people. The main thing you're probably going to need to do is to pick a theme that has more than one clear side. Look over well known subjects that people are energetic about. </p> <p>You're going to need to choose a theme first, however your subject should be something that has two clashing focuses or extraordinary ends. It's vitally critical to totally connect with yourself in this issue you will compose. Else, you must consider about picking another subject. You will probably locate an alternate and phenomenal point you will love to expound on. </p> <p>Before you start composing your article, you should contemplate the sources appropriate to the forthcoming subject, and verify you have enough proof to fortify your theory articulation. Again, it is important to utilize significant realities and insights. As often as possible the conversations become warmed up as discussions and end up as contentions. You will at that point need to move toward this issue by social occasion, producing, and assessing tenable sources to back up your proof. </p> <p>Sometimes, it's a magnificent thought so as to add something interesting to your conten tious exposition. Our group of expert essayists with the basic experience and composing aptitudes is constantly arranged to satisfy your requests and surpass your desires. A pugnacious exposition is a composing piece planned to convince an individual to accept the way that you do. The main motivation behind why someone is composing a factious paper is to attempt to convince or influence another individual or maybe a gathering of people in your rightness in a specific topic. </p> <h2>How to Choose Topics to Do an Argumentative Essay on </h2> <p>Thus, you can ask all the basic inquiries and counsel on certain focuses. You should understand that various people have different perspectives with respect to exactly the same point, so show restraint. It's imperative to choose far from being obviously true pugnacious article subjects since you need restricting focuses you may counter to your own focuses. Any extraordinary errand gets done with an astounding end and th e absolute best instances of the factious exposition will show up in with an end with a review of the entirety of the focuses along with a significance of the confirmations gave. </p> <h2> Type of Topics to Do an Argumentative Essay on</h2> <p>If you are a newcomer to contentious article composing, it is far superior to pick an easy point. Examining the theme will empower you to discover increasingly about what intrigues you, and should you pick something you truly like, composing the paper will be progressively charming. Your exposition should comprise of late insights and information from dependable sources. To run over pugnacious paper themes simple on different stages, you need to appreciate about the factious exposition. </p> <p>Inspiration to make your own publicizing or media contentious paper subjects isn't hard to find. You don't have to discover overly specialized with lawful pugnacious articles, yet make sure to get your work done on what the ongoing laws about your preferred point really state. To do as such, you should get a manual for form the absolute best article on the chose theme. In case you're in a school and wish to create a contentious paper, you should pick a subject of high significance. </p> <p>The presentation contains a clarification of the issue, foundation data, and the creator's position. So verify you choose a subject, which has values in it. In this manner, it's essential to peruse comparing designing aide. Arranging is among the means on the most ideal route to your favored evaluation. </p> <p>Even in case you're an expert in a specific field, don't be reluctant to utilize and refer to outer sources. At the point when you build up this sort of arti cle, you should make your cases by your organization so it will be open fordebate. The thing you should do as such as to structure a pugnacious paper is to set a case that is easy to refute. You may keep on saving your pugnacious expositions for your up and coming employment portfolio in the event that they're profoundly evaluated. </p> <p>Consult with our factious article model at a superior comprehension. The exposition ought to have a little structure, in contrast to an ordinary article. A pugnacious paper presents either side of an issue. Normally, it has a similar blueprint as most of customary papers. </p> <p>Review the following example for an establishment for your own composition, yet note it is shorter than a typical paper. It is critical to check surveys about article composing administrations so as to be sure they can convey your undertaking before the cutoff time. Individuals sought after of contextual analysis research should hurry to value our help. Brain a postulation proposition as a particular task is a protracted, doctoral-level undertaking. </p>

Research Paper Topics on the Holocaust in PDF

<h1>Research Paper Topics on the Holocaust in PDF</h1><p>While composing your exploration paper, picking themes to research is significant. You should pick a subject that you feel enthusiastic about and can advance enough research to give your peruser some understanding into the subject of your paper. In addition to the fact that it helps you, however it will likewise get you saw by a potential grader and get your paper to peruse more often.</p><p></p><p>Finding an expansive point to research can be somewhat simpler. In the first place, consider the theme that premiums you the most and will get you the most cash-flow. Consider returning to examine your subject to ensure that you are giving enough data to be the subject of the paper.</p><p></p><p>Going back and doing the examination is certainly something that can assist you with narrowing down your conceivable point. Notwithstanding, on the off chance that you feel tha t you don't have the opportunity to return and finish your exploration venture you can generally redistribute the work. Probably the greatest interesting point with re-appropriating work is to guarantee that you are getting what you pay for.</p><p></p><p>Some individuals should seriously mull over recruiting professional writers or research collaborators to assist them with the examination. As we have just discussed, redistributing can assist you with finding a theme. Something else to investigate is whether the individual who is accomplishing the work has any involvement in the point. You have to guarantee that they have enough information to compose the examination and let you realize that they have worked with the subject before.</p><p></p><p>Remember that when you are attempting to get your paper read by a potential grader, you have to figure out how to get took note. In addition to the fact that this means finding a point to inqui re about, yet an approach to get you saw and increment your odds of getting took note. With regards to inquiring about points on the holocaust in PDF, you have numerous choices to assist you with getting took note. The greater part of them are for nothing out of pocket and the primary concern to search for is being remembered for the course diagram of the course you are taking.</p><p></p><p>However, regardless of whether you would prefer not to remember the point for the course layout, you despite everything need to have the subject recorded some place on your paper. By doing this, you can ensure that others will see it and not forget about it. Ensure that you incorporate a segment or section enumerating the point and give them a valid justification regarding why they should focus on it. Additionally, make sure to list all sources just as wellsprings of information.</p><p></p><p>One approach to get your exploration paper saw is to make a video on the subject. One thought that is worth thought is to go to YouTube and scan for 'The Holocaust in PDF'. You can utilize various watchwords, for example, 'PDF'Holocaust' with the goal that you will be increasingly obvious. Give your watchers a sample of the point and ask them in the event that they have any inquiries or remarks on the topic.</p><p></p><p>Research paper subjects on the holocaust in PDF can be enjoyable to compose. Be that as it may, don't stress on the off chance that you overlook where to put the points. By utilizing free instruments and investigating themes you can maintain a strategic distance from any errors or incorrect spellings on your paper and ensure that your examination paper subjects on the holocaust in PDF will get your paper to peruse more often.</p>

Writing Sample For Comparison Essay

<h1>Writing Sample For Comparison Essay</h1><p>One of the primary things you should search for while applying for school is an example theory for correlation exposition. What are these? As I would like to think, these are your most obvious opportunity to show that you are both the most scholastically propelled understudy and the sharpest understudy in your secondary school class.</p><p></p><p>The thought behind this exposition is for you to utilize a proposition articulation and afterward record a comparable one from your school's absolute five star. This will permit you to think about both your learning style and comprehension of ideas. Additionally, you will show signs of improvement thought of how your cohorts were learning. This will assist you with deciding whether you will make some hard memories composing the proposal articulation yourself.</p><p></p><p>This is the reason it is critical to the point that you uti lize a composing test for correlation exposition. An understudy may not think a lot about a subject, yet they may comprehend something well overall. Be that as it may, that understudy could be totally oblivious on the most proficient method to introduce themselves to their educators in an unprejudiced manner.</p><p></p><p>Using this as an examination will guarantee that they will consistently go over with the most ideal approach to introduce themselves to their teachers. Thus, they won't be hesitant to utilize any type of proof to persuade their educators of their scholarly capacities. They will be solid and steady to respond to any inquiries and stand apart similar to the sharpest understudy in their class.</p><p></p><p>In school applications, your postulation explanation is one of the most significant pieces of your application. It is the primary thing that a school or college peruses while assessing your application. Consequently, y ou should ensure that your composing test for correlation article originates from exactly the same class as the one you are attempting to get into.</p><p></p><p>In expansion, the composing test for examination exposition ought to plainly show the qualities of the understudy you are attempting to speak to. Keep in mind, you are attempting to develop your certainty with your new school. Accordingly, you should have the certainty that you will have the option to compose a decent theory statement.</p><p></p><p>Another significant factor that you ought to consider is your general capacity to apply information to a subject. Most understudies are keen on getting shrewd, however they are inexperienced with the way that there are different sorts of information that they ought to create. So as to turn into an increasingly complete understudy, you ought to get familiar with different kinds of information that you ought to be looking into.</p&g t;<p></p><p>By setting aside the effort to examine and comprehend these different sorts of information, you will have the option to acquire trust in introducing your proposal to your educator. Moreover, you will have the option to show that you can compose a paper that is elegantly composed and compact. Propositions are significant on the grounds that they are the reason for most school affirmations tests.</p>

Was the Financial Crisis caused by bankers or government - Free Essay Example

Sample details Pages: 6 Words: 1834 Downloads: 5 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? The aim of this essay is to try to examine who was responsible for the financial crisis of the recent years, which hit the whole worlds economy. It is reasonable to blame both the government and the banks, which together contributed to create a speculative financial system, but also the mortgage holders, who asked for loans they were not able to pay. The government lacked enough control and regulation, while the banks focused on making the biggest short-term profits they could, taking excessive risks and keeping it hidden from the investors. Don’t waste time! Our writers will create an original "Was the Financial Crisis caused by bankers or government" essay for you Create order The other main characters of the financial system-Mathematicians, Central Banks, Regulators and Rating Agencies-contributed to the crisis too, directly or indirectly, but to a smaller extent. Many words will be spent especially on the subprime crisis of 2007, which started in the US, the first of a series of successive and related crises throughout the world, which all together culminated in the so called Credit Crunch. Each country worldwide tried to find a solution to the problems created by the crisis, sustaining the economy, in order to avoid recession. A particular focus will be on the United Kingdom, one of the countries which suffered most the bad consequences of the crisis. This recently pushed the British government to introduce a package of austerity, one of the most severe plans of the last 30 years. The role of Government, Regulators and mortgage holders Most people around the world have lost their trust in bankers, and they are considered guilty by the majority. People should also think about what the governments did and what the governments did not do, during that period. US government lost control over the regulation of the banking system, trying to stimulate the economy and the overall consumption. During the boom of the housing market it focused on liquidity rather than on risk. It encouraged bankers to grant loans to almost everyone, even to people with low income and poor credit, without any security for banks to regain the money. The government prolonged the crisis by increasing the interest rate on borrowing, due to the increasing inflation of 2007. People who were finishing their introductory period of mortgage faced an even higher interest rate, being unable to pay their debt towards the bankers. It made the situation worse by providing support to certain financial institutions and their creditors but not for others in a n ad hoc fashion, acting too late, without a clear framework. This increased uncertainty and panic in the market. Furthermore government permitted financial firms to pick their preferred regulators in what became a race to the weakest supervisor. Regulators had ample power in many arenas and they chose not to use it. The Securities and Exchange Commission (SEC) for instance could have required more capital and stopped risky practices at the big investment banks, but it did not. In case after case after case, regulators continued to rate the institutions as safe even in the face of troubles, often downgrading them just before their collapse. Even households played their role: they borrowed excessively, leaving them vulnerable to financial distress or ruin if the value of their investments declined even modestly. From 2001 to 2007, US national mortgage debt almost doubled, and the amount of mortgage debt per household rose more than 63% from $91,500 to $149,500, even while wages were essentially stagnant. It is this combination of structural conditions that investment bankers were able to exploit. The role of Bankers and Rating Agencies On their side, bankers tried to make the biggest profit they could from the boom of the housing market. They were also encouraged by the government to lend money as much as they could, apparently without limits. This lack of control pushed bankers to give mortgages even if they were too expensive and with a high chance of default. In order to be able to sell more mortgages, mortgage companies bundled the debt into consolidation packages and sold the debt on to other finance companies, like banks. In practice they borrowed money to be able in turn to lend mortgages. Bankers sold these mortgage debts to financial intermediaries, in order to spread the risk; as a consequence rating agencies gave these mortgages a low risk rating, being unable to really understand the level of risk they carried, since the bundles passed from lenders to lenders. To make it worse, many mortgages had an introductory period of one or two years of very low interest rates, at the end of which, interest rates increased a lot. People, who were initially able to pay, found themselves no more able to, defaulting. The 2007 economic scenario was not helpful at all: inflation was increasing and the government had to persuade the bankers to increase the interest rates because of it. Householders faced lower income because of rising health care costs, rising oil prices and rising food prices. As a consequence there was a rise in mortgage defaults, since many householders could not afford to pay. This situation signalled the end of the housing boom in the US and house prices started to fall; the increasing number of defaults caused many US mortgage companies to go bankrupt. Also many banks in Europe and UK lost billions of pounds in the bad mortgage debt they had bought off US mortgage companies. Banks wrote off large losses and this made them reluctant to make further lending available. As a result it became very difficult to raise funds and borrow money worldwide; the cost of interbank lending increased a lot and the market dried up. The situation was slightly different in the UK. The mortgage lending had more controls than in the US, but the crisis hit a lot of English banks. The reason is that many banks, like Northern Rock which was the first to go bankrupt, had a high percentage of loans financed through reselling in the capital markets; when the subprime crisis hit the economy, they were unable to raise funds from it. In addition, many UK banks bought the bundles of the bad mortgages debt from US companies, directly or indirectly. Therefore when US mortgage defaults rose, many UK banks lost money. Many banks were left with a shortfall and had to ask the Bank of England for emergency funds, causing customers to worry and start withdrawing their savings. Banks tried to write off bad debts improving their balance sheets by lending less and encouraging customers to save more. As a result even UK mortgages became more expensive and lots of them, especially the riskiest, were removed from the market. At the same time, world stock markets continued to fall in value; investors rushed to sell so-called toxic assets, moving their money into safe areas such as commodities and bonds. This contributed to make the credit less easily available and more expensive; as a result consumer spending declined further, resulting in increasing unemployment as companies became unable to sustain their payrolls. Consequences and future tasks What started as a problem of private-sector debt has become a problem of public-sector debt; we have to look at the financial conditions that preceded the crisis, which is a result of the credit-driven growth: abundance and excess of cheap money that was being lent without regards to borrowers ability to repay. The banks have since become more conservative; in order to get a loan you need proof of your income and you need to have a deposit. Politicians are now attacking the banks for not lending enough: the custodians of capital are much more careful about where they use their money, and this is going to be very awkward for the economy. Looking in particular to the British governments reaction, the measures it is going to take have few precedents in the latter half of the last century: a budget which focuses on cutting 82 billion pounds in this legislature possibly before 2015. The fear is to fall in the same situation Greece and Ireland are experiencing, but many economists worry that this excessive austerity could lead to recession. The governments plan is to cut on an average of 19% the public expenditure. The outlook is a reduction of 500,000 jobs in the public sector, the rise of the pensionable age, the trim of credit allowances for well-off families, the incentive for the unemployed to find a job. The effect of this will downsize the British welfare, which would be intolerable to sustain. As a consequence many economists think that, since many families are going to experience a reduction in their income, these will bear on the consumption. Data from September 2010 show that British people have drastically reduced their spending, aware that they will need to save more. New banking regulations are being introduced at different speeds in the main economies. UK is among the quickest countries introducing bank levy, while crucial changes are being demanded by international banking regulators (based in Basle), which require banks to hold more capital in orde r to prevent losses, increase transparency and defer bonuses. Nowadays two key issues remain to be addressed: first the structure of banking-especially investment banking-and secondly international cooperation: the 2007-2008 crisis was an international one. Even those European banks which did not have any direct exposure to the US sub-prime mortgage crisis were caught-up in its effects on the global financing market; there is a need to coordinate policy, both macro and regulatory. Conclusion To sum up, both the government and the bankers contributed to create a speculative financial system which worked as a framework for the crisis. This was the result of human action and inaction: lack of control, regulation and severe parameters to follow ended up creating a bubble that burst as the overall system allowed it to happen. On one hand the government insisted on pervasive permissiveness, inducing banks to give loans to everyone, in order to make the economy work well; on the other bankers wanted to get the highest possible profits, hiding the bundles of debt and contributing for instance to confusing rating agencies. Firms and investors blindly relied on them as their arbiters of risk. As a consequence these agencies helped the market soar and then fall down. Without their active partecipation, the market for mortgages could not have been what it became. Bankers also ignored and failed to question, manage and understand the evolving risks in the system. There were warning signs of the crisis, despite many people said that it was unpredictable, but they were ignored and discounted: financial institutions made, bought, and sold mortgage securities they never did care to examine, or knew to be defective. Last but not least, ordinary people played their crucial role, integral to the consumer society. Since we love to own all the products we like, which make our life easier and give us satisfaction, many investors borrowed money without a clear limit in mind, consciousness about not being able to pay back the whole loan, or part of it; in this way we contributed to the spread of the risk and to the worsening of the situation. Umberto Botto ID 19026296

Essay Writing Peer Editing Template

<h1>Essay Writing Peer Editing Template</h1><p>A very much created paper composing, peer altering layout is the most ideal approach to spare time while simultaneously accomplishing prevalent quality. Composing a new paper that utilizes the correct syntax and composing style is an overwhelming task.</p><p></p><p>Peer altering layout is one such approach to conquer this issue. It is basically a free composing task wherein the writers expound on a particular point and are sent back with a study. The specialists from the better instruction look into organizations and colleges at that point center around those papers that are set apart as the best of the best.</p><p></p><p>This article is an extraordinary method to have the option to present an exposition without stressing over submitting it. Before we go into the genuine procedure, you should initially investigate some essential things of exposition composing. This may hel p you monstrously on the off chance that you are as of now doing the task and, at that point investigate it later. You will understand that you have adapted a considerable amount about article writing in the process.</p><p></p><p>The exposition, which gets its organizing and language from peer altering layout begins with the initial section of the paper. The editorial manager starts by demonstrating the idea of the point for the paper. The editors likewise ensure that the authors find out about how to take a shot at appropriate sentence structure thus forth.</p><p></p><p>Next, the paper scholars are approached to think of their proposition or draft of the article. This can be finished with the utilization of catchphrases and expressions. In light of the point being proposed, the whole article will be organized accordingly.</p><p></p><p>For model, on the off chance that you are covering the fundamental body of th e paper, the whole archive can begin with a self-clear sentence, trailed by the body of the exposition. This article will be worried about the essential data, the diagram of the point and some pertinent data with respect to yourself. This is an effective technique that lets the article journalists get their considerations down on paper.</p><p></p><p>After the exposition has been affirmed by the editors, the writers are sent the paper after which the procedure of companion altering starts. The exposition essayists are required to update the paper inside a specific time frame.</p>

Up in Arms About Classification and Division Essay Samples?

<h1> Up in Arms About Classification and Division Essay Samples?</h1> <h2> What's Actually Going on with Classification and Division Essay Samples </h2> <p>So, you get an extraordinary paper in your little spending plan. Since you can see, understudies make certain to confront numerous difficulties should they wish to transform into an individual from the purchase paper club. Any understudy has bunches of companions. One of the most common assortments of investigation that school and higher school understudies perform. </p> <p>Knowing the general character types and how to respond to them will help make the parental figure's activity much simpler and aid the alleviation of superfluous pressure. It would appear that you've gone to the correct spot! 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Obviously express the technique you're utilizing to separate the field into parts and rundown the cl asses you will portray in the body passage (three or four will be an incredible decision). </p> <p>Prepare the body of the paper so you have one section for all of the causes or impacts from your theory. The level of jargon utilized in the exposition should be adequate for the whole exposure of the point. Accordingly, a logical paper is a touch of composing that provisions a useful perception about the specific theme or thought. To begin with, it will assist with characterizing which contention is substantial. </p>

How to Find Creative Essay Topics for High School Students

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Research Paper on the Tudors Essay Topics - the Story

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Topic For Writing An Essay - How To Research Topics For Writing An Essay

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Personal Statement On Teaching Esl - 790 Words

This interview is very unique experience for me since I was looking for someone has no idea what I’m asking about and I have never met that person before. I intend to do so because I want to know to what extent people know about my topic which is teaching ESL in general and using technology in ESL teaching particularly. I met someone and could not decide if I was fortunate meeting that person or not because he has been a foreign language learner many times and has enough knowledge about my topic. The goal of my interview was having a feedback about what people, from different backgrounds, know about ESL teaching and this is the reason behind why I wanted someone who is unknowledgeable in this topic. However, I got many valuable information from that person through my questions. 1- What do you know about teaching ESL in the U.S? I know that schools are trying to offer appropriate programs to teach ESL students. They are trying to integrate Spanish classes. I don’t have anything negative to say about it. I’m always for teaching more than one language. In this time, people have to learn more than one language and schools can start integrating that. Some countries requires speaking another language and that takes them to know many cultures. I think that US schools are teaching students about diversity and I think that learning other’s language will achieve one of the most needed goals about other cultures. (I noticed that he switched from teaching ESL to the importance ofShow MoreRelatedEducation In Education876 Words   |  4 PagesESL learners performance including a closing of the English gap within skilled and non-skilled English learners remains a prerequisite concern in learning in the United States. Governmental initiatives such as the American Association for Employment in Education (2005) according to Tran (2015), have instituted stringent guidelines and enhanced precision to support ESL learners performance in United States urban schools district, and eliminate the ESL teacher gap in United States urban school districtsRead MoreThe Effects Of Explicit Writing Instruction On The English Language Classroom1368 Words   |  6 Pagesthe classroom. Let’s examine some of the similar views and approaches to giving written feedback in the English second language classroom. The following sources; â€Å"Deciding What and When to Correct†, â€Å"Reading, Writing, and Learning in ESL: A resource book for teaching K-12 English learners†, and â€Å"Subject Matters† video, all share similar viewpoints on marking errors that are compatible with the learners proficiency level. Errors should not be marked if students have not been given explicit instructionRead MoreEssay on An Individuals Reflection on Academic Writing 951 Words   |  4 Pagesskill needs to be refined and practiced constantly regularly. After three months of taking ESL 273, I have accumulated various experiences in writing advanced sentences and organizing academic essays which are really necessary for me to perform well in the next English course, ESL 5, as well as other classes. As a result, I think I am well-prepared and ready for the next c oming course ESL 5. During the ESL 273 course, one of my strengths which is the ability of using various examples as well asRead MoreWhat Does Inclusive Education Means? Essay1626 Words   |  7 Pagesagent to consider in the diversity scenario things would be easier for teachers but there are a number of other classifications of students to consider: Gifted or talented; English as a second language (ESL); Indigenous students; and many other classifications which fall under the societal/family/personal heading (Ashman Elkin, 2012). My definition of inclusion is â€Å"that equality and equity is the right of every student no matter what the barriers exist to meaningful learning. All barriers require removalRead MoreLetter Sample Essay1188 Words   |  5 Pages I am writing to express my interest in the full-time position of ESL and TESL Teaching Assistant Professor in the Department of Linguistics. I am currently a doctoral candidate at Ohio State University (OSU) in Columbus with a specialization in Foreign, Second, and Multilingual Language Education (within the TESOL program) and an additional interdisciplinary specialization in Educational Technology. I completed my dissertation oral defend in June and will officially graduate in this early AugustRead MoreLiteracy Vs. Low Literacy Essay1038 Words   |  5 Pagestraining volunteers to provide one-to-one and small group tutoring that is student-centered. Student centered means not following a pre-determined curriculum, and giving a voice to the student with regard to their learning goals. Teaching adults is not the same as teaching children. Materials must be sensitive and respectful of adult learners, and because adults face so many challenges in their daily lives, the learning must be relevant and meaningful. Recognizing that illiteracy/low literacy isRead MoreMethods Of An Adult English As A Second Language ( Esl ) Classroom1508 Words   |  7 PagesIntroduction: The purpose of this paper is to explore the methods are used in an Adult English as a Second Language (ESL) classroom. I am interested in what types of activities facilitate students’ understanding, make students comfortable, and encourage student participation. I chose to concentrate on this aspect of second language (L2) learning because as a future teacher, I believe it is important to be mindful and use activities and interactions that appeal and are beneficial to all studentsRead MoreWhat Does It Mean You Be Bilingual? Essay1439 Words   |  6 PagesBilingual? In simple words, being bilingual refers to the ability to use two languages. Some of us can speak well in more than one language, but are comfortable in reading and writing just one. In some cases, one language is used to communicate in personal affairs, while another is used to communicate in school or at work. But bilingualism in the United States, is a rather perplex proposition. Here, it refers to the use of a nother language, in order to accommodate immigrants within the American systemRead MoreThe Purpose Of Education1041 Words   |  5 Pagesa standard level (e.g. business trade, all types of research and self-awareness). It could be argued that highly educated individuals have a high social status and this in turn provides opportunities and maintains privilege. I personally think teaching English as second/foreign language would serve many purposes for those who wish to learn it, for instance; students are able to pursue their life ambitions, discover different cultures and communicate with others around the world. I want to teachRead MoreMy Philosophy Of Education1015 Words   |  5 Pagesinformation concepts needed to sustain a daily living are known as teachers or educators. Becoming an educator and teaching future generations is more than a career choice, it is a calling that requires an immense amount of passion, preparedness and keeping an open mind. 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Life of a Waitress free essay sample

This is my routine that sounds rather scripted. Waitressing is just one of the many roles in my life. Wait staff almost have a script for how to handle customers. Being a waitress is a positive role in my life. It is something I can enjoy while doing and work with people who appreciate working with me. This is one of my favorite roles that I have had in my life. Waitressing has made me a more open person. I have learned many different things in these two years of waitressing. There are certain expectations that all customers have upon entering a restaurant. Within waitressing, my role consists of serving customers, working with other wait staff, cooperating with the kitchen staff, and fulfilling my mangers expectations. Social roles cannot be escaped. Each role that is carried out has its own expectations and obligations. Some roles intertwine with other roles that a person partakes in, which can make similar responsibilities in the roles. A role is determined by a person’s society. Each situation that a person stumbles upon fits into one of their given roles. Most people attach themselves to their roles and attempt to fill the roles to the fullest. Waiters and waitresses have many expectations coming from many different angles. I am a waitress in a winery/bistro. My expectations from customers differ from the expectations from my co-workers and bosses. Customers expect that they will be my number one priority at all times and that I will be of service to them at the times they need me. Sometimes this is hard to achieve, especially on busy nights when trying to make every table as comfortable and satisfied as possible. Some customers get upset if their server is not as punctual as they would like. This causes them to be unpleasant with the server and this can impact a server’s mood. I know that my performance has changed because of the way I am treated by customers. If I have a table that I laugh with and enjoy serving, then the rest of my tables get that same attitude. This also gets customers to want to return to your workplace. However, this situation can also go in the complete opposite direction. If I started my day in a bad mood and brought that into serving, then my customers would never be happy. But also, if something goes wrong on the customer side then they will be impatient with the server and cause the server to be irritable as well. If a customer feels they are not being served they way they should be then they usually make it known. Customers can set the mood for everything that happens in a restaurant. Whether the customer is just crabby, impatient, leaves a poor tip, or makes a rude comment, it could change the attitude of the server. From experience, servers do not like when customers make them feel like they do not know how to do their job. Interaction with other servers is also a huge part of waiting tables. To begin, there are expectations that everyone knows who is working where. Each server must check in with the shift manager to see about any changes. Communication between servers is the key. If one server is busier than another, then we usually help each other out. Working as a team instead of against each other is also very crucial. When servers have fun together, the environment seems to be lightened. Usually we balance each other’s personalities out. Depending on the staff I am working with, normally we can take our frustrations on out each other so we can accommodate the customers properly. My boss loves to see all smiles at work, from the time we enter until the time we leave. This is sort of like our â€Å"fake it til you make it† thing. However, when I go to work, I am generally happy. I have always been the one to smile all the time for no reason at all. So doing something I enjoy is not going to take my smile away. The interaction between the kitchen and the servers can be affected by everyone else in the restaurant. My role as a waitress is to be patient with the kitchen staff. I have expectations for them and they have expectations for me. They expect me to be patient, clear with orders, not demanding, and aware of what is going on. I must know what food they just told me was done and where to take it, but first I need to pay attention to hear when my name is called. There is usually more tension between the kitchen and waiters than there is with any other workers. The roles are so different. The kitchen staff usually looks at servers as just wanting to get a good tip, and that we do not care the extremities the kitchen has to go to for us. It is important that servers respect the kitchen staff; they are in charge of the food we will be serving. â€Å"Servers, as mediators, need their food when their customers demand it: sometimes this is before the food is ready; at other times after. If servers demand food too early, cooks are stressed; but if they don’t pick up the food on time, the food is poor and the cook seems incompetent. † (Fine 105). This is the most true on Friday and Saturday nights. Everything seems to be more chaotic on these nights, since most people decide to go out. This is good because it brings in more business for the restaurant, but then there are always more unhappy customers on these nights as well. Overall, positive interaction with the kitchen staff can make amazing things happen. My performance as a waitress is judged by customer reviews. I try to have my best performance at all times. The â€Å"Looking Glass† plays a major part in my performance. I develop my performance based on the reflections I see from customers. At the winery we provide comment cards on the service the customer received. Some customers never give positive feedback, they dwell on the negative. Instead of giving useful comments, they say things like, â€Å"Server was rude† or â€Å"Food was bad. † This does not help anyone. What happens from these comments? Servers get upset and then it shows from the performance to their other customers. But before a comment card is even filled out, we feel that we already know the customers views of us. I have been had a bad performance due to how I thought the customers viewed me. However, I try to always have an â€Å"opening night† performance. My performance also dictates how my managers view me and how many hours I get to work. Managers only put on their best staff on the busiest days and give them the most hours. To work on Friday and Saturday night, I must always have my best performance and know what I am doing. If I came in slugging around and barely talking to my customers then I would be working a Wednesday night and have many four customers. When we get an appraisal it usually reflects what we were attempting to perform. The self†¦as a performed character, is†¦a dramatic effect arising diffusely from a scene that is presented, and the characteristic issue, the crucial concern, is whether it will be credited or discredited† (Damian Williams). Wait staff must fit the character part in order to fulfill the expectations of their role. Some people are more qualified for this role than others. People who are kitchen staff usually will not make a good server. I have noticed that it is hard for kitchen staff to control their feelings in front of others. It is important for servers to be able to keep their composure, especially with that unhappy customer. Since I was younger I always wondered what it would be like to be a waitress. I now know and even though it is not all the glory that I thought it would be, I still love my job very much. I get paid a measly $5 an hour, but my pay checks are not what are important to me. I love working with other people and feel that I need to excel in each role I have. Waitressing is not the only role that I carry out in life. My biggest roles are a Christian, daughter, sister, granddaughter, God Mother, aunt, student, and friend. I partake in these roles each and every day. These roles are something that I cannot get rid of. They are a part of me and make me who I am. Also, the people who help to make my roles possible are the most important people in my life. Being a student could have been over with last May, but it is one role that I felt I was not completely done with. Since I made that decision, I will be a student for many more years to come. Roles shape a person. They become another â€Å"looking glass† for us. When we look at our roles, we need to look at the people who have helped make these roles possible for us. We should also be thankful that we are able to perform the roles we are given. Not everyone has the same opportunities as us. Since my role consists of serving customers, working with other wait staff, cooperating with the kitchen staff, and fulfilling my mangers expectations, I can use the skill I have learned for future roles in my life. Although it may sound scripted when I introduce myself, I am being me and hoping the customer feels comfortable with me at their service.