Essay on Cyber Security A Necessity Nowadays Essay Example For Students

Paper on Cyber Security: A Necessity Nowadays Essay Digital assaults are not simply in fiction films, they are a truth of our reality. The expense of digital assaults are assessed at $100 billion to $1 trillion yearly (Eschelbeck, 25). The explanation of this isn't hard to comprehend. PCs are available all over the place. Individuals are constantly associated posting data about their lives on Facebook, Instagram and Twitter. On the business field is the equivalent. The most piece of undertakings have their bases electronic. All the exchanges and significant data are in PCs. Digital Security is presently perhaps the greatest need of the world, on the grounds that our lives resolve around PCs, the digital assaults are significantly expanding in number each day, and the digital assailants are turning out to be more expert.We are dependent on innovation. Americans ages 18-64 who utilize interpersonal organizations state they spend a normal of 3. 2 hours of the day doing so(Vacca, 10)The virtual life became as significant as reality. Generally of the individuals that has online access to this virtual media is difficult to pass over, one day without checking the news on the web. Spend time with companions and then converse with others for all intents and purposes is normal. We put all data about ourselves on a PC. On virtual media we are associated with individuals around the world, we have data about our life, and the house errands that we do each day. In a similar time that is pleasant, yet this is extremely risky. As indicated by the Fukuoka Rosa 2Statistic Brain site, there are more than 1.4 Billion Facebook clients worldwide and 98% is the level of 18-24 years olds who as of now utilize internet based life. This implies it is anything but difficult to track down close to home data about the most piece of individuals. This data are focus of ad . .of taken data these days, the quantity of digital assaults are expanding just as the nature of these assaults. Thus, it is significant clients and undertakings give more consideration in digital security. Adhere to the security directions and to put resources into security devices are vital to have a sheltered framework and to evade digital assaults. Works CitedBishop, Matt. PC Security (2004): 100 110. Print.Dunn Cavelty, Myriam. â€Å"Cyber-security and danger politics† The New York Times (2008). PrintEschelbeck, Gerhard â€Å"Security Theat Report 2014† SOPHOS (2014). PrintHarden, Seth. â€Å"Social Networking Statistics† Statistic Brain. Web 01 January, 2014 com/long range informal communication statistics>.Pfleeger, Charles P. Security in Computing (2006): 25 50. Print. Vacca, John R. â€Å"To the Barricades: Cyber Security† The Economist (2007). Print

MDG Presentation Essays

MDG Presentation Essays MDG Presentation Essay MDG Presentation Essay Deliberation The Importance of Information Technology ( IT ) can non be over underlined as it is extremely vital in all plants of life ; Agriculture. Wellbeing. Training. Security. Amusement and so on. It gives new opportunities to bettering open introduction and key battle. Be that as it may. not many associations have effectively gotten a handle on the odds empowered by IT. for the most part because of their restricted capacity to gauge the effect of IT on ardent open introduction and obliviousness. My Industrial Training Program has presented me to the IT business with hands-on useful experience on Computer innovation and bundle improvement. The reasonable side of figuring can be seen everyplace. These days. for all intents and purposes everybody is a registering machine client. also, numerous individuals are in any event, figuring machine coders. Geting registering machines to make what you need them to make requires escalated hands-on understanding. Be that as it may, figuring machine logical control can be seen on a higher degree. as a logical order of occupation goals. PC researchers must be adroit at designing and breaking down occupations. They should other than have the option to design arrangements and check that they are correct. Issue work trip requires accuracy. innovativeness. what's more, cautious intelligent reasoning. PC logical order other than has solid associations with different subjects. Numerous occupations in logical control. innovation. wellbeing consideration. concern. furthermore, different nations can be tackled viably with registering machines. be that as it may, happening an answer requires bo th registering machine logical order expertness and discernment of the impossible to miss application circle. In this way. processing machine researchers every now and again become proficient in different themes. Organization PROFILE ABOUT CONNECT TECHNOLOGIES LIMITED In 1986. the laminitis had a fantasy and the motivation to send Information Technology Solutions and participate effectively in the Nigerian Economy. His crucial. was to work the undiscovered assets of the nation’s Information Technology ( IT ) Industry. With more than 100 man-years connate expert presentation combined in. Interface Technologies Limited was in 2000 consolidated as a taking specializer IT Solutions Provider. Objective Our clients’ achievement is our development Statement of purpose Associate Technologies Limited is devoted to accomplishment of its vision and strategic utilizing the accompanying worth chain’ assault: Client Focus †Customer First Doctrine: We will work persistently to comprehend our clients’ IT needs. also, endeavor to run into or rise above their standpoints. using the best example assault. Our Peoples †Connect Technologies’ Management Team is its most noteworthy in addition to. The Team comprehends the Nigerian IT needs and difficulties in the competitory planetary financial framework. Responsibility †To flexibly the most noteworthy level of committedness to quality help and stocks to our customers. Capacity STATEMENT †EXPERIENCE Associate Technologies’ passage into the data building industry is upheld with in excess of 100 man-long stretches of blood connection and pertinent expert experience of its prima practicians. Interface Technologies’ proficient and administrative work power base. no vulnerability. speaks to truly outstanding in the business today. Working in coaction with our capable mates in Nigeria. Asiaâ€India. Europe and the USA. we have the capacity to design. flexibly. put in LAN-based/multi-level Application Software. train. also, keep complex data designing frameworks. both household and abroad. Vision To be and remain a taking IT Solutions Provider with capablenesss to present and present utilitarian hello there tech Software endeavors with maximal advantages to all customers. Our develop of customer fulfillment is gotten from the way that we seek to chop down our execution personal time to the barest lower limit while expanding our clients’ productiveness in any event cost to them. Proficient SERVICES Associate Technologies example and carry on the worry of Informatics and Information with impossible to miss notice to every single related action and exchange the Information and Communications Technology ( ICT ) enterprises and administrations †influencing Software Development and Hardware group of stars arrangements. The core administration is centered around worry of plan. furthermore, improvement of Information Technology Knowledge Infrastructure endeavors with unconventional notice to the plan of Application Software and Solutions and interfacing them with Local Information Infrastructure ( LII ) . National Information Infrastructure ( NII ) and Global Information Infrastructure ( GII ) . As expert IT mentors. Associate Technologies’ composes and oversees specific I. T Seminars. Workshops and Conferences for corporate associations †especially the financial business for the goal of overhauling the discernment and operational expertness of Informatics Technology. The modified arrangement grasps in-house readiness on Information Technology and Communications Technology †especially Internet Development and Operation Training. Center COMPETENCE Abilities: Design. mechanize. Incorporate. Support and Manage complex innovation driven Application Software frameworks †Our Solutions are 100 % autochthonal endeavor. HR Highly gifted Software Development A ; Implementation Team Arrangements A ; Servicess LAN Groupware Applications and Solutions Internet Solutions A ; Web Portal Design and Installation of Local A ; Wide Area Networks Offshore Software Project Development Technical Training Facilities Management Undertaking Management Expertness Connect Technologies Limited has solid establishment in Infrastructural. Budgetary. Specialized. Product and Marketing Resources. Today. this expertness in Retail Banking Consultancy. Programming Development. Systems administration and different administrations will benefit major Bankss and concern associations everywhere throughout the state. Associate TECHNOLOGIES SOLUTIONS EPortal Solutions Enterprise eGovernment Operation Solutions Enterprise Educational Portal Solutions Enterprise Business Intelligent Solutions Enterprise Campus-wide Knowledge Solutions Enterprise Recruitment Solutions Endeavor Cooperative Financial ( CoopFinance ) Web-based Financial Application intended to automatize every Cooperative action from Member Registration. Investment funds A ; Loan Application. Endorsement Process and Repayment Processes. Diary Posting. Record Management. Pool Fund Management. Payable A ; Receivables ( Members A ; Third Party ) . Undertaking Banker? ( CT2001 ) Banking bundle uncommonly intended to automatize all financial exercises. from banking requests of retail customers. regular financial requests of investings and exchange money exercises to full movement study summarize. Venture Stock Master? Stock Application focused towards mid-went stock and Stock Brokerage. Monetary and Investment Houses in its range. It is uncommonly intended to automatize every single stock action. from investor enlistment of customers and stock requests of investings and exchange account exercises to full movement study summarize. Endeavor Inventory/Payment System Enterprise Manufacturing and Inventory System is intended to advance the productivity of Trading/Sales Network. Net saless Warehouses and Manufacturing capacity. It is a finished Manufacturing/Inventory System [ With Customer Support System. Money related Management System. Stock Control System ] [ Including Gross saless. Buy. Bills Receivable and Payable. Pay and Expense care ] With arranged utile Reports. Cash Transfer Management Systems MTMS. form CT2003 is a full Multi-Currency Solution focused towards business Bankss. Trader Bankss. Savingss and Loans. Money related. Traveler Traffic Systems and Investment Houses. It is exceptionally intended to automatize all on-line cash transportation exercises. from guiding and getting of cash to rapprochement of chronicles and full movement study summarize. The Application is unafraid and reliable. Advanced Image/Account Security System Digital Image/Account Security System is an application intended to oversee customer’s chronicles and flexibly equivalent Account Security through Digital Image Capturing and Confidential Data Protection. Significant PROJECT REFERENCES Signal-to-commotion proportion Client Nature of Undertaking Status 1 NITDA Supply of e-Learning Application System to RITC Completed 2 NITDA ICT Consultancy on Development of Computer Network Security Standards Completed 3 NITDA Part of Consortium of ICT Consultants that created Framework Architecture and Standards for e-Government Applications Completed 4 Shell-East Cooperative Investment Limited. Ph IT Financial Consultant. Sending and Implementation of Enterprise Cooperative Financials Software Completed and is being bolstered 5 NITDA ICT Consultancy A ; Implementation of eGovernment Undertaking for Federal Government Completed 6 NITDA e-Government Workflow PS-NET Pilot Application conveyed at FMST. Administration. National Assembly. Fund Ministry. BOF ( Budgets Office ) . Common Service Commission. EFCC. PARP and Ministry of Education Completed 7 Akwa-Ibom State Government ICT Consultancy on SIT Park Project Completed 8 Trithel International Consulting E-Business Solutions ( online business gateway ) Completed 9 Akwa Savings A ; Loan †Uyo. Unical Community Bank †Calabar. Olomi Community Bank †Ibadan. Karakata Investment Limited †Ogbomosho. Aniocha Community Bank and so forth Deployment of our Enterprise Banker Completed and is being bolstered 10 Riggs Securities. Lagos Deployment of our Enterprise Stock Master? Arrangements Completed 11 Toyota Nigeria Limited E-Business Solutions Completed 12 Henrich Boll Foundation. Financial Rights Initiative. NOTAP ( National Office for Technology Acquisition and Promotion ) . ITAN (

How to Get Out of a Payday Loan Debt Cycle - OppLoans

How to Get Out of a Payday Loan Debt Cycle - OppLoans How to Get Out of a Payday Loan Debt CycleInside Subprime: Dec 14, 2018By Lindsay Frankel  While payday loans may have short terms, they create long-term debt problems for most borrowers. In fact, most borrowers end up paying more in interest and fees than the principal amount of the loan. That’s because costly payday loans are difficult for cash-strapped individuals to pay off on time.Four out of five payday loans are renewed or rolled over, leading to mounting interest. For low-income families already struggling to make ends meet, these predatory loans are unaffordable. Interest rates vary by state, but average four hundred percent; payday loans in Idaho cost borrowers an average APR of 582 percent.But the payday loan debt trap, while seemingly insurmountable, doesn’t have to cause financial ruin. There are several strategies you can try to get out of debt:Start with the High-Interest DebtsIf you have multiple outstanding loans or other forms of debt, you’ll want to knock out those with the highest interest rates first. This will reduce the total amount you end up paying. Payday loans are probably your most expensive debts, but paying them off can be tricky. You may need to secure additional income, or seek help from relief organizations or friends and family.Request an Extended Payment PlanTalk to you lender and request an extended payment plan. Reach out to the loan provider before your payment due date and if they agree, the lender will draw up a new agreement that divides your balance across future pay periods, so paying off the loan becomes more manageable. As long as you don’t default on your payments, the lender will not tack on additional fees.Some states mandate lenders provider and extended payment plan option, but it won’t be offered to you automatically; you’ll need to contact the lender and make a request.RefinanceYou may be able to take out a lower-cost loan to help cover your high-interest debts. You can try talking to credit unions , which often offer payday loan alternatives , but you’ll likely need to be a member for a period of time. A personal loan is also an option for some. If you have bad credit or lack credit history, consider taking out a no credit check installment loan, which has longer terms and lower interest rates than payday loans. This option will also help you build credit, so you can work towards a healthy financial future.Seek Payday Loan Debt ReliefIn some ways, asking for help is one of the most difficult paths out of debt. Try reaching out to friends and family first and explaining your situation. Paying back someone you trust who won’t charge interest can make debt repayment manageable. Alternatively, you can try asking your employer for an advance on your next paycheck. Just make sure you’ll have the funds to cover your expenses once the loan is paid off.There are also a number of nonprofit organizations that may be able to offer assistance. According to the Federal Trade Commissi on, “Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs.” Some nonprofits and faith-based organizations may even be able to provide financial assistance in addition to guidance. Just be aware of scam artists who charge high fees for counseling services while promising to get you out of debt.If you find yourself trapped in a payday loan debt cycle, know that you’re not alone, and there are solutions. Once you’re back on your feet, you’ll want to set up a savings plan to avoid needing to borrow in the future.For more information on payday loans, scams,  cash advances, and  title loans,  check out our state and city financial guides.Visit  OppLoans  on  YouTube  |  Facebook  |  Twitter  |  LinkedIn

What Happened at Sea During World War I

Before World War I,  Europe’s Great Powers assumed that a short land war would be matched by a short sea war, where fleets of large heavily armed Dreadnoughts would fight set-piece battles. In fact, once the war began and was seen to drag on longer than anticipated, it became apparent that the navies were needed for guarding supplies and enforcing blockades - tasks suitable for small vessels - rather than risking everything in a large confrontation. Early War Britain debated what to do with its navy, with some keen to go on the attack in the North Sea, slashing German supply routes and trying for active victory. Others, who won, argued for a low key role, avoiding losses from major attacks in order to keep the fleet alive as a Damoclean sword hanging over Germany; they would also enforce a blockade at distance. On the other hand, Germany faced the question of what to do in response. Attacking the British blockade, which was far enough away to put Germany’s supply lines to the test and comprised of a larger number of ships, was hugely risky. The spiritual father of the fleet, Tirpitz, wanted to attack; a strong counter group, who favored smaller, needle-like probes which were supposed to slowly weaken the Royal Navy, won. The Germans also decided to use their submarines. The result was little in the way of major direct confrontation in the North Sea, but skirmishes between the belligerents around the world, including in the Mediterranean, Indian Ocean and Pacific. While there were some notable failures – allowing German ships to reach the Ottomans and encourage their entry into the war, a thrashing near Chile, and a German ship loose in the Indian Ocean – Britain wiped the world sea clear of German ships. However, Germany was able to keep their trade routes with Sweden open, and the Baltic saw tensions between Russia – reinforced by Britain – and Germany. Meanwhile, in the Mediterranean Austro-Hungarian and Ottoman forces were outnumbered by the French, and later Italy, and there was little major action. Jutland 1916 In 1916 part of the German naval command finally persuaded their commanders to go on the offensive, and a portion of the German and British fleets met on May 31st at the Battle of Jutland. There were roughly two hundred and fifty ships of all sizes involved, and both sides lost ships, with the British losing more tonnage and men. There is still debate over who actually won: Germany sunk more, but had to retreat, and Britain might have won a victory had they pressed. The battle revealed great design errors on the British side, including inadequate armor and munitions which couldn’t penetrate German armor. After this, both sides demurred from another large battle between their surface fleets. In 1918, angry at the surrender of their forces, the German naval commanders planned a final great naval attack. They were stopped when their forces rebelled at the thought. The Blockades and Unrestricted Submarine Warfare Britain intended to try and starve Germany into submission by cutting as many seaborne supply lines as possible, and from 1914 – 17 this only had a limited effect on Germany. Many neutral nations wanted to keep trading with all the belligerents, and this included Germany. The British government got into diplomatic problems over this, as they kept seizing ‘neutral’ ships and goods, but over time they learned to better deal with the neutrals and come to agreements which limited German imports. The British blockade was most effective in 1917 – 18 when the US joined the war and allowed the blockade to be increased, and when harsher measures were taken against the neutrals; Germany now felt the losses of key imports. However, this blockade was dwarfed in importance by a German tactic which finally pushed the US into the war: Unrestricted Submarine Warfare (USW). Germany embraced submarine technology: the British had more submarines, but the Germans were larger, better and capable of independent offensive operations. Britain didn’t see the use and threat of submarines until it was nearly too late. While German submarines couldn’t easily sink the British fleet, which had ways of arranging their different sizes of ships to protect them, the Germans believed they could be used to effect a blockade of Britain, effectively trying to starve them out of the war. The problem was that submarines could only sink ships, not seize them without violence as the British navy was doing. Germany, feeling that Britain was pushing the legalities with their blockade, began to sink any and all supply ships heading for Britain. The US complained, and German back peddled, with some German politicians pleading for the navy to select their targets better. Germany still managed to cause huge losses at sea with their submarines, which were being produced faster than Britain could either make them or sink them. As Germany monitored British losses, they debated whether Unrestricted Submarine Warfare could make such an impact that it would force Britain into surrender. It was a gamble: people argued USW would cripple Britain within six months, and the US - who would inevitably enter the war should Germany restart the tactic – wouldn’t be able to supply enough troops in time to make a difference. With German generals like Ludendorff supporting the notion that the US couldn’t get sufficiently organized in time, Germany made the fateful decision to opt for USW from February 1st, 1917.​ At first unrestricted submarine warfare was very successful, bringing British supplies of key resources like meat to just a few weeks and prompting the head of the navy to announce in exasperation that they could not go on. The British even planned to expand from their attack at 3rd Ypres (Passchendaele) to attack submarine bases. But the Royal Navy found a solution they previously hadn’t used for decades: grouping merchant and military ships in a convoy, one screening the other. Although the British were initially loathe to use convoys, they were desperate, and it proved amazingly successful, as the Germans lacked the number of submarines needed to tackle the convoys. Losses to German submarines plummeted and the US joined the war. Overall, by the time of the armistice in 1918, German submarines had sunk over 6000 ships, but it was not enough: as well as supplies, Britain had moved a million imperial troops around the world with no loss (Stevenson, 1914 – 1918, p. 244) . It has been said that the stalemate of the Western Front was doomed to hold until one side made a terrible blunder; if this was true, USW was that blunder. Effect of the Blockade The British blockade was successful in reducing German imports, even if it didn’t seriously affect Germany’s ability to fight until the end. However, German civilians certainly suffered as a result, although there is debate over whether anyone actually starved in Germany. What was perhaps as important as these physical shortages were the psychologically crushing effects on the German people of the changes to their lives which resulted from the blockade.

Human Trafficking Sex Slaves - 788 Words

â€Å"It’s impossible to protect all girls from guys like I was, because that’s what we do. We eat, drink and sleep, thinking of ways to trick young girls into doing what we want them to do† (Knapp). This chilling quote from a short documentary is the exact words from an ex-pimp. Human trafficking, as defined in the Merriam-Webster dictionary is â€Å"organized criminal activity in which human beings are treated as possessions to be controlled and exploited (as by being forced into prostitution or involuntary labor).† This definition does not cover the ways in which people are brought into this chaos; persuasion, some forced, and some even grow up in that environment. Most Americans know it as is international problem that does not affect them; some†¦show more content†¦The video goes on to talk about how these men and women find and sell these children and women. Amber goes over the different places online that pimps use to sell their women. She goes in-depth on the detailing of the ads that suggests these women are young and possibly even minors. Ms. Lyon goes as far as posting her own ads and seeing just how far these men are willing to go. The video is very well produced and directed. When the mood is intense the scenery and music lines up with the intense mood. When the mood is gloomy and depressing the music and the transition effects added to the video add tons of emotional feedback from their audience. When Amber was talking to women about being sold for sex, many would begin crying thinking about the terrible history and things they had to go through. During times like these the camera would zoom in on the faces of these women and give the audience a perfect view of the pain and agony on the faces of these women. The majority of the video is gloomy and sad. Many times during the viewing of this film I got chills thinking about the horrendous things these women and children experienced. The video has had 269,759 view on YouTube alone. Websites like Craigslist and Backpage get away with having these adult links because they have a policy that says there site is not to be used for prostitution and you have to agree to the terms when posting your ad. It is not illegal to be anShow MoreRelatedHuman Trafficking Problem: The Sex Slave Industry Essay1681 Words   |  7 Pagesmentioned subject, the sex trade proving once again that man sees vulnerability as an advantage; an easy opportunity to make money. Statistics published in the Sex Slaves article, indicate a substantial growth of trafficked victims worldwide. As many as 600,000 to 800,000 people are trafficked across international borders each year. The sex trade refers to the illegal selling and buying of human beings who are then either sexually exploited and/or used as domestic slaves. This gruesome crime againstRead MoreSlavery in History713 Words   |  3 Pagesslavery affected many people for the good and the bad. The economy and plant ation owners were affected in the act of slavery. You should be informed that, how slavery affected the United States, how does human trafficking collide with slavery, and the living conditions of the slavery and human trafficking. Slavery did not only affect the United States, but also the economy of the United States. The only states with African slavery, were Maryland and Virginia, becoming foundation of the Southern agrarianRead MoreEssay about Sex Trafficking: How Can We Make It Stop?1158 Words   |  5 PagesSex Trafficking: How Can We Make It Stop? Introduction Sex trafficking is a problem that is happening and occurring all over the world. Many families and individuals suffer due to sex trafficking. Many people are not even aware of what it really is. Sex trafficking is when young girls, as young as five or six, get kidnapped and are used for the sexual pleasure of others with a profit, or are sold as sex slaves to other people. The official definition is, â€Å"Human sex trafficking is a form of slaveryRead MoreSex Trafficking : A Common Issue For A Long Time1394 Words   |  6 Pages Sex trafficking can happen everywhere. People do not even realize when it is happening. Someone could be living their life, just as they normally do, and decided to go to the mall. Sometimes they may not even know that a little kid is going to be kidnapped, and later raped. This is what sex trafficking is. Sex trafficking is commonly defined as when violence, drugs, lies, or any other form of coercion is used to force another person to have sex against the ir will. (Sex Trafficking in the U.S, 1)Read MoreThe Issue of Human Trafficking1512 Words   |  7 Pagesslavery† is the illegal trade of human beings for forced labor and exploitation; referring to using others for sexual exploitation, organ trafficking, and forced labor. This international crime is happening all around us and little to nothing is being done by governments. â€Å"Roughly two hundred thousand slaves are working here in America† (Madox). So the land of the free, well, it might not be so free after all. Coming in second after drug trafficking, â€Å"human trafficking generates about 35 billion dollarsRead MoreThe Issue Of Sex Trafficking1275 Words   |  6 Pages For thousands of years women and children, boys and girls have been sold into unwilling slavery. In 1927, the League of Nations was founded, this organization was formed to focus on world peace and it also focused on human trafficking. In 1932, Japan had set up a system where women all across Asia were forced into sexual slavery. The women were housed in what were known as comfort stations. The conditions in these stations were atrocious, with each woman detained in a small cubicle, and receivedRead More Human Trafficking Essay1408 Words   |  6 PagesHuman Trafficking is the unlawful trade of human beings for various purposes such as reproductive slavery or sex slavery. According to the United Nations Office on Drugs and Crime [UNODC] protocol on trafficking, â€Å"Trafficking in Persons is the recruitment, transportation, transfer, harbouring or receipt of persons, by means of the threat or use of force or other forms of coercion, of abduction, of fraud, of deception , of the abuse of power or of a position of vulnerability or of the giving or receivingRead MoreThe Global Impact Of Human Trafficking1640 Words   |  7 PagesThe Global impact of Human Trafficking Human trafficking is a global issue that receives very little attention throughout the modern world; this issue effects every country on the global and all different types of cultures. Hillary Clinton said in 2009 â€Å"Trafficking thrives in the shadows, and it can be easy to dismiss it as something that happens to someone else, in somewhere else, but that is not the case. Trafficking is a crime that involves every nation on earth, and that includes our own.† (BehnkeRead MoreHuman Trafficking: Modern Day Slavery Essay1020 Words   |  5 PagesHuman Trafficking is a horrendous crime that takes advantage of people through the illegal trading of human beings for purposes of forced labor, and commercial sexual/child exploitation. Traffickers tend to prey on the vulnerable, those who want a better life, have little or no employment opportunities, very unstable, and have a history of sexual abuse. With this being popular in society, anyone can easily become a victim. By being an undocumented immigrant, runaway and homeless youth, and a victimRead MoreThe Depravity Of Humanity : Global Human Trafficking1257 Words   |  6 PagesHumanity â€Å"Global human trafficking is big business† (Gale, Cengage Learning). This quote in of itself warrants a deep seated fear and revulsion. But it is also true. Human trafficking is not exactly a new thing; it is as old as humanity itself. That is why Prostitution is considered the world’s oldest profession because it has been around since the birth of humanity. Also, the following sentence quote shows the age of human trafficking. â€Å"What may surprise those who think of trafficking as a recent

Self Case - Student Educational Loan Fund, Inc. - 6103 Words

Case 2: Analysis of Alternatives Student Educational Loan Fund, Inc. Institution: University Gadjah Mada Program: Master of Management Course: Risk Management Tutor: Mrs. Erni Ekawati, PhD. Title: Case 2: Analysis of Options Subtitle: Student Educational Loan Fund, Inc. Date: November 17, 2008 Place: Yogyakarta Authors: Martin Koopman Doddy Handaryadi Anindito Prabowo Gumirlang Wicaksono Introduction This report describes the situation which Rick Melnick faces in the fall of 1995, when assuming the responsibilities as Associate Director of Financial Management at Harvard Business School (HBS) (Ekawati, 2008). Rick had to oversee the Student Educational Loan fund (SELF), analyze a change of plans and†¦show more content†¦In the future, SELF will be able to set limits on their cost of debt, by using some of the available alternatives (see next chapter). Furthermore, we know that the limits on the debt ratio are 4 to 1, in comparison with the net worth of SELF. Interpreting this, we assume that SELF may have a maximum of 80% debt, with 20% equity in their capital structure (4 to 1). The current Prime-rate is 8,75% and will be used as a basis to calculate the possible WACC for SELF. Assuming that the debt rates are before tax, we will subtract a tax rate of 30% on the debt rates, resulting in: WACC = {(D/E+D)*[Cd*(1-0,30)] + (E/E+D)*(Ce)} (Saunders Cornett, 2008) WACC max (with 100% equity) = {(0/100)*[8,75*(0,70)] + (100/100)*(10)} = 10% WACC min (with 80% debt) = {(80/100)*[8,75*(0,70)] + (20/100)*(10)} = 6,9% Since SELF will still be exposed to a default risk of some percentage (lets say 1,00% instead of 1,40%) and we believe that it is unlikely that SELF will ever reach an equity level of 100%, we think that the WACC should be adjusted to show a more realistic number. For example, historically the Prime-rate or LIBOR has also reach levels of approximately 10% (Ekawati, 2008), thereby increasing the minimum WACC to about 10%. Although this situation is less likely, since SELF is a non-profit organization, we believe it should include these scenarios into their calculation of WACC as well. If we then also includeShow MoreRelatedSelf Case - Student Educational Loan Fund, Inc.6096 Words   |  25 PagesCase 2: Analysis of Alternatives Student Educational Loan Fund, Inc. Institution: University Gadjah Mada Program: Master of Management Course: Risk Management Tutor: Mrs. Erni Ekawati, PhD. Title: Case 2: Analysis of Options Subtitle: Student Educational Loan Fund, Inc. Date: November 17, 2008 Place: Yogyakarta Authors: Martin Koopman Doddy Handaryadi Anindito Prabowo Gumirlang Wicaksono Introduction This report describes the situation whichRead MoreStudent Education Loan Fund, Inc (Abridge)1409 Words   |  6 PagesStudent Education Loan Fund, Inc (Abridge) Introduction Background of case Study Rick Melnick is an Associate Director of Financial Management at Harvard Business School (HBS). He had decision to make regarding the new funding policy under the management of Student Educational Loan Fund (SELF). SELF was established in 1961 to fund loans to HBS. Traditionally, HBS student loans required the borrower to pay semi-annually with variable interest rate policy. Under the new plan, the studentsRead MoreHow Financial Aid Awareness Affects College Access and Success14272 Words   |  58 Pagessuccess. Federal, state, and institutional aid programs help to ensure that students can afford higher education regardless of economic background. Financial aid is most effective when students and families learn about it early enough to make the right choices and plans about high school coursework, family savings, work and earnings, and college options. This literature review explores the questions of how and when students and families learn about college costs and financial aid, an d how the timingRead MoreThe Degree of Success of Reza Shah Pahlavi after the 1925 Coup1542 Words   |  7 Pages1907 that stated all laws had to coincide with Islamic shari’ah law. Secular officials deduced which cases belonged under the power of which court. The power of the ulama was further diminished in the courts when Reza Khan forced all judges to have a degree from specific universities. Many waqf lands were also confiscated from the ulama. A large portion of the shah’s funds were diverted to education. The shah’s method for the implementation of his political reforms wereRead MoreBankruptcy Among Youth5014 Words   |  21 Pagescard. It is due to the desire to purchase everything that they want making them easily to involve with the loan. As the result, many youth where below than age 30 were involves with bankruptcy. According to Credit Counseling and Management Agency in New Straits Times (2011), an average of 41 Malaysians are declared bankrupt daily, with the majority failing to make repayment for car purchase loan. Here, bankruptcy becoming the serious issues toward many youth nowadays. Insolvency Department of MalaysiaRead MoreThe History of Bill Gates2211 Words   |  9 Pagesbooks. Gates is one of the best-known entrepreneurs of the personal computer revolution. Although he is admired by many, a number of industry insiders criticize his business tactics, which they consider anti-competitive, an opinion which has in some cases been upheld by the courts. In the later stages of his career, Gates has pursued a number of philanthropic endeavors, donating large amounts of money to various charitable organizations and scientific research programs through the Bill amp; MelindaRead MoreEntrepreneur-Case Study2891 Words   |  12 Pagestech entrepreneur, a flamboyant promoter etc. The following words are usually ascribed to an entrepreneur: moderate risk taking, innovation, alertness, decision making and responsibilities seeking, ambition, desire for independence, responsibility and self-confidence, need for power and personal value orientation. The term Entrepreneurship was coined in the 18th century by economist Richard Cantillon who believed that the primary role of the entrepreneur was to bear risk. The word has the French originRead MoreThesis on Empower Women Through Micro Credit Programmes18140 Words   |  73 Pagesmushrooming of community-based organizations and initiatives at the local level for women. Reports indicate that self-help programmes, often in the form of savings and credit or micro credit schemes, have succeeded in changing the lives of poor women, enhancing incomes and generating positive externalities such as increased self-esteem. This paper addresses the challenging issue of whether self-help micro credit programmes are tools for empowering poor women. Micro credit is about muchRead MoreComparison of business ethics in different countries.3369 Words   |  14 PagesEthics is a business or an organizations policy applicable to all its activities and relationships. It should identify principal responsibilities its stockholders, shareholders, employees and communities. Its main function is to provide guidance in cases of moral dilemmas. Many corporations have implemented codes of conduct that define unacceptable behavior and serve as a guideline for the practice of ethical conduct. This is a step in the right direction, but it is not enough for an organization merelyRead MoreNon Profit Analysis Essay7109 Words   |  29 Pagesand reduced price tickets are available to students and senior citizens. Scholarships and work/study programs are also administered at the theatre. Georgia Ensemble Theatre won two CABY awards in 2007, one for Outstanding Organization and the other for Excellence in Arts Education. GET has also been nominated several times for the Suzi Bass Awards for artistic excellence in theatre. Georgia Ensemble Theatre has a director and a board that are self-governing. People volunteer their time to serve

Restraint, Weight Suppression, and Self

Restraint, Weight Suppression, and Self-Report Rel Essay iability: How Much DIn the analytical report entitled Restraint, Weight Suppression, and Self-Report Reliability: How Much Do You Really Weigh? By P.J. Morgan and D. B. Jeffrey, they look at the eating habits of people and categorize them as three types of people. Those categories are Dieting and Overeating group, Current Dieting, and Weight Suppression. The Dieting/Overeating group consists of individuals who undergo repetitive cycles of dieting and overeating,(Morgan, 1999). They have the appearance of a diet, but overeat every once in a while to make up for it and to fulfill food desires. The Current Dieting group encompasses those who consider themselves to be currently on a diet and who consume less food than what is required than what is required for maintenance of their current weight, (Morgan, 1999). They are ones that eat small portions of food and starve themselves to keep their weight down or to lose weight. This can also be categorized as anorexia nervosa, a clinical eating disorder that afflicts primarily women. The last category is the Weight Suppressors, who successfully lost weight and have kept it off for some time, (Morgan, 1999). These people have lost the weight by some means and have kept the weight off by adopting better eating and exercise habits. The groups were split into two groups, the control group and the variable group. The experiment was to see what the effects would be on each type of person in the variable group when enticed with a milkshake Preload which tastes better than a regular milkshake and is higher in fat and calories. The control group would not receive the Preload shake so the experimenters could monitor normal reactions of persons from each group. The result was the Preload group ate more than the control group regardless of their category. The authors concluded that the dieting and appetite suppression is a mental game of the person and is only as strong as their own conscience and taste. However, that is only one way to look at the information. The structural functionalist perspective focuses on the manifest and latent reasons for dieting. The manifest reason a person to diet is to look better physically. Physical acceptability is very important to people, both male and female alike. It is a part of out status as a human and gives value to our appearance as well. The latent function is to make ourselves healthier inside and out, by improving our immune system and eliminating cholesterol from our blood vessel, which could cause blockage. The functionalist sees dieting as a superficial task only to be used to change our outward appearance to gain respect and admiration from others. The conflict perspective shows losing weight and dieting as a sort of contest between all members of society. They see the people with thin, healthy bodies and compare them selves to them. The healthy people with thin bodies are the Physical Bourgeoisies, and those without are the Physical Proletariat. Those who have a healthy, good looking body and those without are at constant conflict with each other to be the most desirable around; that is where the dieting comes in. Men and women alike do it mainly for competition for mates. Women see men ogling models in Victoria Secret commercials and then try to become that. Men too see male models and feel intimidated by a better physique. Men however do not see this as an opportunity to feel bad about themselves; they see it as a threat that must be defeated. The best ways for a man to do this is become what he is competing with, and then better. The physical aspects are seen as the determining factor for what kind of mate a person can get. .u7d8827f797e5f577b8cfc785610440df , .u7d8827f797e5f577b8cfc785610440df .postImageUrl , .u7d8827f797e5f577b8cfc785610440df .centered-text-area { min-height: 80px; position: relative; } .u7d8827f797e5f577b8cfc785610440df , .u7d8827f797e5f577b8cfc785610440df:hover , .u7d8827f797e5f577b8cfc785610440df:visited , .u7d8827f797e5f577b8cfc785610440df:active { border:0!important; } .u7d8827f797e5f577b8cfc785610440df .clearfix:after { content: ""; display: table; clear: both; } .u7d8827f797e5f577b8cfc785610440df { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u7d8827f797e5f577b8cfc785610440df:active , .u7d8827f797e5f577b8cfc785610440df:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u7d8827f797e5f577b8cfc785610440df .centered-text-area { width: 100%; position: relative ; } .u7d8827f797e5f577b8cfc785610440df .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u7d8827f797e5f577b8cfc785610440df .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u7d8827f797e5f577b8cfc785610440df .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u7d8827f797e5f577b8cfc785610440df:hover .ctaButton { background-color: #34495E!important; } .u7d8827f797e5f577b8cfc785610440df .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u7d8827f797e5f577b8cfc785610440df .u7d8827f797e5f577b8cfc785610440df-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u7d8827f797e5f577b8cfc785610440df:after { content: ""; display: block; clear: both; } READ: Sickle Cell Disease Essay The better the body, the better the mate, or so the legend tells us.The symbolic interactionist view dieting as a self-improvement for a persons confidence and their self-image and a diet is what improves both. They take Charles Horton Cooleys Looking Glass Self therom and apply that to themselves everyday and those who diet do not like what they see. They see themselves as not being good enough for the opposite sex or other