Tuesday, July 14, 2020

Avoiding Payday Loans How to Deal With a Bounced Paycheck

Avoiding Payday Loans How to Deal With a Bounced Paycheck Avoiding Payday Loans: How to Deal With a Bounced Paycheck Avoiding Payday Loans: How to Deal With a Bounced PaycheckCan a paycheck bounce? Unfortunately, yep. It does happen.If your paycheck bounces or your employer is late with a payment, it can mean financial disaster. Here are the steps you can take to fix the situation, as well as savings strategies to make sure you have the funds to make it through.If you’re one of the millions living paycheck-to-paycheck, then what would you do if your next paycheck happened to, well, just not show up. Or worse, it does show up, but when you go to cash it, you get the four worst words in the English language: “Transaction Failed, Insufficient Funds.”What are you going to do now? Do you have enough money in your savings account to deal with a delayed paycheck?If you don’t know the answers to these questions, don’t worry. There’s no need for you to run over to your local payday lender and take out a short-term, high-interest loan that’ll put you in an even deeper financial hole.Instead, ju st keep reading.1. Talk to your employerNothing shakes your faith in the American enterprise system like a bounced paycheck,” says Howard Dvorkin (@HowardDvorkin), CPA and Chairman of Debt.com (@debtcom).“It happens most often in small businesses, and many times, it’s not only unintentional, the employer is rightfully embarrassed as hell.”Dvorkin says that your first step should be to “call your employer and politely inquire. You just might get a horrified apology because someone forgot to do something important.”According to Roslyn Lash (@RosLash), an Accredited Financial Counselor and the founder of Youth Smart Financial Education Services, you should want to “make sure that the money wasnt incorrectly transferred or some type of computer glitch.”“Therefore,” she says, “you need to call your employer and explain the situation and inquire about a reissue date.”2. Start a Paper TrailIf your bounced paycheck does turn out to be a simple error, then you’ll pr obably be fine. But if it’s something elseâ€"if your employer is maybe up to somethingâ€"then you’re going to need documentation. You’ll need to not only document your lack of a paycheck, but your efforts to resolve the issue.“If you contact your employer and you get an attitude, start a paper trail,” says Dvorkin. “Get a copy of the returned check, and keep copies showing if you had to pay overdraft fees.”According to Lash, when people with a bounced paycheck contact their employer, they should “be sure to document the name, location of the representative that they speak with. This will be the beginning of the paper trail,” she says. “From this point forward, every conversation and everything and I mean everything should be documented.”3. Call Your BankMost people plan their bill payments around their paycheck. But when a paycheck bounces, that plan has got to change.Contact your bank to have all drafted automatic payments from your account canceled.” says L ash.   “Explain the situation to the bank representative and request proof that your paycheck was not deposited into your account.”“Any documentation that they can provide proofing that the employer had insufficient funds or that the check bounced would be helpful,” she says.Lash also recommends that “if you have an emergency savings, transfer some funds into this account to cover any outstanding bills.”“Ask your lender if there are any provisions made for NSF fees that you may incur,” she says.4. Contact your creditorsPeople tend to think that lenders are totally inflexible when it comes to your payments. And while it’s true that most lenders aren’t pushovers, and they don’t like it when people are constantly calling in about insufficient funds, they do understand that (and this a very technical banking term) “stuff happens.” The same goes for utility companies.Lash says that you should call your lenders and “Advise them of the situation and request a pa yment date change.”“Explain that you expect to be paid by date (whatever date that the employer advised you) but you will keep them abreast of any changes.”If you have already incurred a delinquent fee, she adds, “request a courtesy removal.”5. If you need to, then lawyer upIn cases where you aren’t able to get the situation resolved immediately, then you’re probably going to need an attorney. (Also: a new job.)Lawyers can be expensive. For someone with a low-income, especially someone who’s now not even receiving that income, a traditional lawyer might be out of the price range.This is is why both Lash and Dvorkin recommends contacting your local Legal Aid office. If you qualify for free legal aid, they should be able to set you up with a lawyer.“Meanwhile, if you want to get your employer’s attention, report him to the Department of Labor in your state,” says Dvorkin. “There are laws about these things, and you can file a complaint.”Try These Savings Stra tegiesOf course, if you aren’t able to get your paycheck issue resolved quickly, then you’re still going to need money. Even if you are able to find another job, it’ll probably be a few weeks before your paid. In the meantime, how are you gonna eat?This is where a payday loan might start looking like a pretty good option. But stay away. The extremely high APRs and the short repayment terms can all too easily lead to you rolling the loan over instead of paying it off on time. That’s how the dangerous cycle of debt begins.Instead, the best way to manage this situation is to have money in your savings. This way, you can bridge the gap without having to pay any additional fees or interest.Saving money does take some extra work and disciplineâ€"especially if you’re someone with a low-income, but there are definitely ways you can make it work.Kendal Perez (@HassleFreeSaver)is the Savings Expert for CouponSherpa.com (@CouponSherpa). Here are some of her tips for building your sav ingsHack your recurring expenses: “The most effective way to build your savings or emergency fund is to reduce your monthly payments and direct the difference to your savings accounts. Its a good idea to regularly review these expenses anyway to ensure youre not overpaying. Good candidates for review include cable TV and internet bills, mobile plans, auto insurance policies, and subscriptions. You can opt to swap your cable TV for a Netflix and/or Hulu subscription; decrease your data plan based on usage; increase the deductible on your auto insurance policies to drop your monthly premium, and review the subscriptions you pay for and start making cuts. You can also use a service called Trim to review and cancel unused subscriptions on your behalf.”Limit your splurges: “If youre prone to buying coffee or dining out for lunch each week, start cutting back on these treats and deposit what you save into your emergency fund. Cutting out these purchases entirely may lead to burnout, so select a day or two during the week or month to treat yourself. Limiting your splurges to Fridays and paydays only, for example, strikes a nice balance between enjoying your money now and saving for the future.”Automate your savings: “Paying yourself first means placing a priority on your financial wellness and security. This can be accomplished by setting up an automatic transfer of funds between checking and savings every time you receive a paycheck, or at any increment you choose. You can also use a tool like Digit which reviews your daily spending and makes small, incremental transfers from your checking to an online, FDIC-insured account.”Sell your stuff: “While reducing your spending and saving money is an important part of building an emergency fund, so too is adding to your income. Tis the season to spring clean and declutter, so consider selling your stuff at a garage sale, or through Craigslist or Facebook community groups, and deposit your profits into savings .”Attempt a no-spend challenge: “The more adventurous savers can try a no-spend challenge, whereby you try to purchase nothing for a certain period of time (one week, one month or even one year). The money you save by limiting your spending can go toward building your emergency fund.”Hopefully, you will never have to deal with a bounced paycheck. But if you do, follow these steps and you’ll weather the storm just fine.Have your own tips for dealing with bounced paycheck (and avoiding dangerous payday or bad credit loans)? Let us know! You can find us on Twitter at  @OppLoans.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsHoward S. Dvorkin  (@HowardDvorkin)    is a  two-time author, personal finance expert, community service champion and Chairman of Debt.com  (@debtcom). As  one of the most highly regarded debt and credit expert in the United States and has played an instrumental role in drafting both State and Federal Legislation.  Howard’s latest boo k “Power Up: Taking Charge of Your Financial Destiny” provides consumers with the detailed tools that they need to live debt free and regain their financial freedom. Howard has appeared as a finance expert on CBS Nightly News, ABC World News Tonight, The Early Show, Fox News, and CNN.Roslyn Lash  (@RosLash) is an Accredited Financial Counselor and the founder of Youth Smart Financial Education Services.  She specializes in youth financial education, adult coaching and works virtually with adults helping them navigate through their personal finances i.e. budgeting, debt, and credit repair.  Her advice has been featured in national publications such as USA Today, TIME, Huffington Post, NASDAQ, Los Angeles Times, and a host of other media outlets.Kendal Perez is the Savings Expert for CouponSherpa.com  (@CouponSherpa), a popular source for online, in-store and grocery coupons. Her money-saving tips are often featured on Bankrate, GOBankingRates, US News World Report, Wisebread a nd more. Kendal can be found on Twitter  @HassleFreeSaver.

Thursday, May 21, 2020

What are the Problems of Rising Cost in College Tuition

What are the Problems of Rising Cost in College Tuition? College fee is the main factor that depends on which institution of higher learning that a student is likely to join unless awarded a scholarship. It directly depends on one’s financial capability. The poor afford the cheap and less desirable intuitions that they can be able to afford while the rich can get access to high class type of education. Policies exist that govern the ability of institutions increasing their fees and at the same time federal government provides payment subsidy to students in order to make the education more affordable. Literature review Governments have shrunk their support for higher education. This decreasing support of higher education by the state†¦show more content†¦While studying this topic of increased college fees, economist from the Federal Research bank, noted that state funding is responsible for rising up the college fees(De George, Ferguson, Spear, 2012) The research is necessary due to the following reasons. Firstly, it ensures equality in terms of opportunities because the study persuades the federal government to make the higher education free so that every student with higher education qualification to study. Secondly, the study provides positive consequences of higher education because it leads to more educated individuals and workforce which is more productive. Economists note that if the issue of rising cost of higher education is addressed then it will lead to more students accessing university education. Research shows that states with more university education are more innovative and productive in growth. Lastly the research is necessary to help state governments to come up with laws that will govern giving payment subsidy to students and not institutions hence refocusing importance on instruction and increase competition.(Steve, 2005) How will it help lawmakers develop good policies or change existing policies? Study of rising cost of college fees will help lawmakers come up with policies or modify existing policies. These kind of policies will be aimed at controlling the cost of higher education and at the same time ensure that all individual that meet theShow MoreRelatedThe Effects Of Rising Tuition On Students Choice Of Future Career Field1308 Words   |  6 Pagesof Rising Tuition Costs on Ferrum Students’ choice of future career field Christin C Hyslop Ferrum College Fall 2014 The Effects of Rising Tuition Costs on Ferrum Students’ choice of future career field Introduction Do rising tuition costs affect Ferrum College students’ choice of major? Descriptive research will be done to determine if there is a relationship between rising tuition costs and Ferrum College students’ choice in major. A sample set of students attending Ferrum College willRead MoreCauses Of Student Debt902 Words   |  4 Pagesagrees that it is a major problem. Many solutions have been proposed to fix this problem, yet nothing has been done. This problem is projected to worsen in the near future. The causes of this are relatively simple and clear-cut. The increase in student debt is caused by a combination of factors including rising tuition, decreases in government funding, the shift to student loans, and increases in the overall costs of college. Unsurprisingly, the cost of college tuition has skyrocketed in recent yearsRead MoreRising College Tuition in America661 Words   |  3 PagesRising College Tuition in America â€Å"College Prices Soar Again!† â€Å"Budget Cuts Cause Even Higher Tuition!† â€Å"Higher Education Now Even Less Affordable† These are all statements that have been seen all over the media: newspapers, magazines, television, and radio. (3 SV: SV) Rising college tuition in America has been a problem for years. Many students drop out after a single year due to the pricey costs of tuition. The rapid rise can be attributed to many aspects of the economy, not just a single sourceRead MoreShould College Be A College Education?1614 Words   |  7 Pageswith financial hardships by cutting back on certain luxuries, budgeting family spending, or selling a few things, but what about future generations? One thing that must be guaranteed for generations like mine is access to higher education. College is an incredibly integral step into adult-hood, and while there have been those that have seen large amounts of success without a college education, statistically speaking , you’ll be hard pressed to find a position in the field of work you prefer. IronicallyRead MorePrice of College Education1473 Words   |  6 PagesStates has stressed the importance of college education, to those seeking employment, and better careers. For most people, college is the logical next step in education, as it provides a working knowledge of a desired field and opens the door to many opportunities, but college has become increasingly more expensive as time goes on. Many people feel that college is no longer an option financially. Even with financial aid and scholarships, the cost of a college education can still be very taxing. ThisRead MoreThe Driving Forces Behind College Tuition Essay1296 Words   |  6 PagesForces Behind College Tuition Hikes Higher education in the United States was introduced in 1636 when Harvard University first opened its doors. At the time, college was seen as an exclusive institution, typically reserved for the wealthy elite. In the 1600’s, a college degree was not necessary to get a decent job and make a living; therefore, there was little demand. Since then, public opinion and attitudes about higher education have changed significantly. In today’s job market, a college degree isRead MoreCredit Card Debt For The First Time1514 Words   |  7 Pagesknow what it means. Inflation is when the prices of products increase while the buying power of money decreases (â€Å"Inflation†). Inflation is something that has always happened and probably always will. It’s not necessarily a bad thing in itself, but it can cause a problem if inflation grows much faster than wages increase. We, as a nation, need to curb the inflation of college costs begin the process of lowering the expens e of higher education. In the last 30 years the inflation of tuition and otherRead MoreCollege Tuition Cost On A Rise Essay1254 Words   |  6 PagesCollege Tuition Cost on a Rise The rising cost of education in Texas colleges started in 2003 when the deregulation was lifted. Then, soon after, the Texas State legislature cut the education budget because of a drop in the economy in 2008. The cut in funding and the removal of the deregulation law allowed colleges across Texas a way to recoup lost resources by raising the cost of tuition. The raising cost of tuition has limited the amount of attending students from graduating in the expected timeRead MoreThe Benefits Of College Tuition1285 Words   |  6 Pageshaving a college education. Life has gotten much harder and the job market has become more competitive without a four year degree. Having to work two or three jobs and both parents of the home working to put food on the table. People are barely making it with a bachelor’s degree now and are finding themselves needing a master’s degree to get a better job. College tuition has been increasing at a steady rate. Many students are finding themsel ves not having equal opportunity to attend college due theRead MoreObtaining A College Degree Is Essential For Getting A Good Job1547 Words   |  7 Pagesobtaining a college degree â€Å"is essential for getting a good job in this country.† Approximately four out of five Americans claim that they lack the financial ability to afford a college education (Levaux). With the clear majority of Americans believing that having such an education is essential, discussion pertaining to the legitimacy of its cost is necessary. On average, public postsecondary school tuitions are rising over twice as fast as inflation, and private postsecondary school tuitions are rising

Wednesday, May 6, 2020

Parkinson s Disease The Second Most Common...

Parkinson’s Disease is considered the second most common neurodegenerative disorder. The only disorder that is currently more common is Alzheimer’s disease, which barely trumps Parkinson’s by a small margin. The first article studied the effectiveness of two different exercise programs against a home-based control group with people in the early to mid stages of Parkinson’s. The study was a randomized control trial and lasted for 16 months and compared: flexibility/balance/function exercises (FBF), supervised aerobic exercises (AE), and home-based exercises (control). The primary outcomes focused on physical function, balance, and walking economy. A few secondary outcomes included: ADLs, motor subscales, and quality of life. The†¦show more content†¦However, the control group was only required to be supervised on the initial session and then once a month for the entire 16 months. Everyone was encouraged to perform his or her exercise program s 5 to 7 days a week throughout the study. The FBF group included 2 months of flexibility training, followed by 2 months of small group exercises that included: flexibility, balance, and functional exercises. The AE group included 5 to 10 minutes of warm-ups, 30 minutes of exercises at 65 to 80% of their max heart rate, and 5 to 10 minutes of cool downs. The participants were allowed to use either a treadmill, stationary bike or elliptical for their aerobic exercise. The control group included exercises in the home setting using Fitness Counts. At 4 months the FBF group improved greater than the control group with a mean difference of 4.3 on the Physical Functional Performance Test. The FBF group also performed better than the AE group with a mean difference of 3.1 on the same test. Conflicting to their hypotheses the AE group did not show more improved results compared to the control group in the Physical Functional Performance Test. The results showed no difference in improvement on the Functional Reach Test for any of the groups at any point in the study. The AE group showed the greatest improvement of all the groups for walking economy, which means the participants had a reduced energy cost when walking. Surprisingly only the FBF

Ontario’s Nuclear Plants Free Essays

Ontario†s nuclear power planets are damaging our environment and economic structure; nuclear power should be shut down and replaced with safer methods of power making. Ontario†s nuclear power is not the safe and clean way to produce power, Ontario†s nuclear plants are becoming outdated, nuclear waste is building up, and contamination is becoming more of a threat. Ontario thought that nuclear was clean, safe, and cheap way to produce power. We will write a custom essay sample on Ontario’s Nuclear Plants or any similar topic only for you Order Now During the 1950s, Ontario Hydro was looking for new sources of electricity to meet the growing demand. In 1954, a partnership was formed between Atomic Energy of Canada Limited (AECL), Ontario Hydro and Canadian General Electric to build Canada†s first nuclear power plant called NPD for Nuclear Power Demonstration. In 1962, NPD began supplying the province of Ontario with its first nuclear generated electricity. Ontario had found it†s new source of electricity, and they were not fully aware consequences that would happen after many years of use. Power projects (later AECL CANDU), based in Toronto. Ontario and Montreal, Quebec became responsible for implementing AECL†s nuclear power program and marketing CANDU reactors. Nuclear power was cheap, if you did not have to worry about the waste. This was the answer to Ontario†s power problems, so they invested in the newest source of power at the time. Most people believed that nuclear power was a good change in Ontario†s power structure, and there would be no real problems in the future. Ontario needed a new source of power in the 1950s; they found it in nuclear power and it solved the problem. In the 1950s the average person did not have a lot of knowledge about nuclear energy, and nuclear studies were being held. All people really knew was the positive side of things, the government and research body†s made videos that would try to describe nuclear energy to the public. The videos would talk about how great nuclear power and how abundant nuclear energy was. Making it sound like the answer to all our electric needs. The government and research body kind of jumped around the subject of nuclear waste, and the effects it could have on a human or the environment. The real truths about nuclear energy was not as widely known, and the majority of the people thought that nuclear energy was a positive step in the right direction. Ontario has a huge problem with the build up of nuclear waste, and this waste could have a huge impact on our environment if something were to go wrong. Radioactive mops, rags, clothing, tools, and contaminated equipment such as filters and pressure tubes, are temporality stored in shallow underground containers at the Bruce Nuclear Complex and elsewhere. At Bruce, a radwaste incinerator reduces the volume of combustible radioactive waste materials. In 1975, St. Mary’s School in Port Hope was evacuated because of high radiation levels in the cafeteria. It was soon learned that large volumes of radioactive wastes from uranium refining operations had been used as construction material in the school and all over town. Hundreds of homes were contaminated. There are 200 million tons of sand-like uranium tailings in Canada, mostly in Ontario and Saskatchewan. These radioactive wastes will remain hazardous for hundreds of thousands of years. They contain some of the most powerful carcinogens known: radium, radon gas, polonium, thorium and others. Radio-active tailings also result from phosphate ores and other ores rich in uranium. In 1978, an Ontario Royal Commission recommended that a panel of world class ecologists study the long-term problem of radioactive tailings and that the future of nuclear power be assessed in view of their findings. The government has ignored these recommendations. Nuclear waste is biodegradable, but it takes it takes hundreds of thousands of years to do so, which could leave unimaginable results in the future. Lately Ontario†s nuclear power plants have been going threw horrible management, out dated equipment, and nuclear waste build up; resulting in economic breakdown. Ontario†s nuclear plants have not had their equipment greatly updated, which is a big problem that could be costly to fix. When calculated in real 1998 dollars, total federal subsidies to Atomic Energy of Canada Limited (AECL) for the last 46 years amount to $15. 8 billion. It should be noted that $15. 8 billion is a real cash subsidy to AECL, and does not include any opportunity cost? What the subsidies would have been worth if the government had invested in more cost competitive ventures. At a rate of 15%, the opportunity cost of government subsidies to AECL is $202 billion. There is also federal financial support for other nuclear activities in progress or impending, including: the Whiteshell Laboratories privatization ($23. 1 million); the MAPLE reactors at Chalk River Laboratories ($120 million); the Canadian Neutron Facility ($400 million); radioactive waste management and decommissioning ($665 million); and reactor exports ($2. 5 billion considered). In Ontario the bad management and the old equipment has lead to major change in the way the plats work. Also this will cost billions of dollars to do. In the long run Ontario†s nuclear do not make the money needed to stay open, with the costs of fixing them and reforming them it would just cost to much, so there is no point in doing so. Ontario has purposed to close down all of there nuclear plants, but they decided that is would be better to keep most of them open. There are much more safer, cleaner, and cheaper ways of producing power. We could invest solar, wind or tide power sources, all of which are safe. Leaving these nuclear plants open is like trying to heal your cut with a knife. Ontario and its people don†t realize that with the build up of nuclear waste, we could be looking into major crises. Many of Ontario Hydro†s problems are monetary in origin. The corporation has had difficulty maintaining its nuclear facilities in accordance with the Atomic Energy Control Board†s safety requirements. Hydro†s restructuring efforts reflect past negligence in preventive, minor, and responsive maintenance. It is now faced with a situation wherein the demand for energy must be met through the means of an increasingly limited resource . . . money. In response to this problem, the energy formerly supplied through nuclear power is being replaced primarily with coal-driven electrical generation. Hydro has implemented a short-term, quick fix solution based on the same practices and assumptions, which originally lead to the failure of Ontario†s nuclear energy program. As of now Ontario stands by its nuclear power and they do not have any current plans to shut down or totally reform these plants. Ontario†s nuclear power plants are a Danger to our environment, the economy, and a danger to the people, us; we should shut down all of these plants and replace them with safer methods. How to cite Ontario’s Nuclear Plants, Essay examples

Friday, April 24, 2020

Throughout history, statistics have proven that Ca Essay Example For Students

Throughout history, statistics have proven that Ca Essay pital Punishment or otherwise known as the death penalty, has been an effective deterrent of major crime. Capital Punishment is the We will write a custom essay on Throughout history, statistics have proven that Ca specifically for you for only $16.38 $13.9/page Order now lawful infliction of death among criminals and has been used to punish a wide variety of offenses for many years all over the world (Bedau 16). When the death penalty is enforced, it shows society that committing a capital crime has deadly consequences. In early times, many methods of Capital Punishment were used to deter a variety of crimes. For over a century, the uniform method for executing persons in America was hanging, although starvation was very common also. There were exceptions which included spies, traitors, and deserters who would face a firing squad. Then in 1888, New York directed the construction of an electric chair (Flanders 11). It was believed that the new harnessed power of electricity would prove to be a more scientific and humane means of execution. The first electrocution took place 2 in New York in 1890. In the past, capital crimes were much different than they are now. Robbery and the selling of alcohol to underage customers was a serious capital crime (McCuen and Baumgart 21). Rape was also a crime where the criminal was sentenced to death. In America, only thirty-seven states authorize the death penalty. In most of those thirty-seven states, murder is the only capital crime. The Supreme Court requires that two conditions must be met in order for a specific murder to warrant the death penalty (Nardo 32). The first condition is that it must be first degree murder, which is the deliberate and premeditated taking of life. The second is that one or more aggravating circumstances must be present. Aggravating Circumstances refer to those aspects of a crime that increase its severity. An example of an aggravating circumstance would be torture in conjunction with a murder. (Capital Punishment 32). 3 Every society has faced the problem of what to do with its most troublesome criminals. Many people in the past have argued whether or not Capital Punishment is justified and necessary. Most societies now believe that a criminal should receive punishment proportional to the crime committed. Most societies believe that such a severe punishment was necessary to install fear in others. While more social structures developed, the crimes developed into public and private offenses. Public offenses such as witchcraft and blasphemy, were punished by the state; while private offenses still were answered by acts of personal retribution. The enforcement of Capital Punishment in the early twentieth century declined drastically because of all of the controversy. Today, many more states are taking the death penalty into consideration. 4 Methods of Capital Punishment used today are somewhat different than what was used in the past. The lethal injection method, which is by far the most common, and the electric chair are the most recently used. The gas chamber is still used but in very rare cases. In 1924, the gas chamber was introduced in Utah with a hope to still find a more humane way to execute the convicted. The gas chamber method proved itself to be a very inhumane way of execution. There were many errors while using the gas chamber. Using too little or too much of the gas was a huge factor that was constantly argued. The continuing desire for a less painful, error-free means of execution led to the development of the lethal injection method in the 1970s. Initially it was approved in Oklahoma and Texas in 1977. This method involved injecting a combination of a sedative, which is used to make the execution less painful, and a fatal .u37d6aebe0ce1bb46e2ed7112f88116fc , .u37d6aebe0ce1bb46e2ed7112f88116fc .postImageUrl , .u37d6aebe0ce1bb46e2ed7112f88116fc .centered-text-area { min-height: 80px; position: relative; } .u37d6aebe0ce1bb46e2ed7112f88116fc , .u37d6aebe0ce1bb46e2ed7112f88116fc:hover , .u37d6aebe0ce1bb46e2ed7112f88116fc:visited , .u37d6aebe0ce1bb46e2ed7112f88116fc:active { border:0!important; } .u37d6aebe0ce1bb46e2ed7112f88116fc .clearfix:after { content: ""; display: table; clear: both; } .u37d6aebe0ce1bb46e2ed7112f88116fc { 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; } .u37d6aebe0ce1bb46e2ed7112f88116fc:active , .u37d6aebe0ce1bb46e2ed7112f88116fc:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u37d6aebe0ce1bb46e2ed7112f88116fc .centered-text-area { width: 100%; position: relative ; } .u37d6aebe0ce1bb46e2ed7112f88116fc .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u37d6aebe0ce1bb46e2ed7112f88116fc .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u37d6aebe0ce1bb46e2ed7112f88116fc .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; } .u37d6aebe0ce1bb46e2ed7112f88116fc:hover .ctaButton { background-color: #34495E!important; } .u37d6aebe0ce1bb46e2ed7112f88116fc .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u37d6aebe0ce1bb46e2ed7112f88116fc .u37d6aebe0ce1bb46e2ed7112f88116fc-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u37d6aebe0ce1bb46e2ed7112f88116fc:after { content: ""; display: block; clear: both; } READ: The Essential Nile Essay 5 chemical agent into the condemned prisoners bloodstream. Lethal injection was first used to carry out the death penalty in 1982. In 1980, The American Medical Association AMA went on record to oppose the participation of any physician in an execution by lethal injection. A doctors involvment was seen as a contradiction of the professional responsibility under the Hippocratic Oath to save lives. As it now stands, no state that uses lethal injection, requires a physician to be present. The deadly solution is normally administered by medically trained technicians. There is much evidence showing that Capital Punishment is a deterrent of crime. The most persuasive research compared the homicide rates of states that did and did not prescribe the death penalty. For instance, Michigan, which abolished Capital Punishment in 1847, was . Throughout history, statistics have proven that Ca Essay Example For Students Throughout history, statistics have proven that Ca Essay 1pital Punishment or otherwise known as the death penalty, has been an effective deterrent of major crime. Capital Punishment is thelawful infliction of death among criminals and has been used topunish a wide variety of offenses for many years all over the world (Bedau 16). When the death penalty is enforced, it shows society that committing a capital crime has deadly consequences. In early times, many methods of Capital Punishment wereused to deter a variety of crimes. For over a century, the uniformmethod for executing persons in America was hanging, although starvation was very common also. There were exceptions whichincluded spies, traitors, and deserters who would face a firingsquad. Then in 1888, New York directed the construction of anelectric chair (Flanders 11). It was believed that the new harnessed power of electricity would prove to be a more scientific and humane means of execution. The first electrocution took place2in New York in 1890. We will write a custom essay on Throughout history, statistics have proven that Ca specifically for you for only $16.38 $13.9/page Order now In the past, capital crimes were much different than they are now. Robbery and the selling of alcohol to underage customerswas a serious capital crime (McCuen and Baumgart 21). Rape was also a crime where the criminal was sentenced to death. In America, only thirty-seven states authorize the deathpenalty. In most of those thirty-seven states, murder is the onlycapital crime. The Supreme Court requires that two conditionsmust be met in order for a specific murder to warrant the deathpenalty (Nardo 32). The first condition is that it must be first degree murder, which is the deliberate and premeditated taking of life. The second is that one or more aggravating circumstances must be present. Aggravating Circumstances refer to those aspects of a crime that increase its severity. An example of an aggravatingcircumstance would be torture in conjunction with a murder. (Capital Punishment 32). 3Every society has faced the problem of what to do with itsmost troublesome criminals. Many people in the past have arguedwhether or not Capital Punishment is justified and necessary. Most societies now believe that a criminal should receivepunishment proportional to the crime committed. Most societiesbelieve that such a severe punishment was necessary to install fear in others. While more social structures developed, the crimesdeveloped into public and private offenses. Public offenses suchas witchcraft and blasphemy, were punished by the state; whileprivate offenses still were answered by acts of personal retribution. The enforcement of Capital Punishment in the earlytwentieth century declined drastically because of all of the controversy. Today, many more states are taking the death penaltyinto consideration. 4Methods of Capital Punishment used today are somewhatdifferent than what was used in the past. The lethal injection method, which is by far the most common, and the electric chair are the most recently used. The gas chamber is still used but in very rare cases. In 1924, the gas chamber was introduced in Utah with ahope to still find a more humane way to execute the convicted. The gas chamber method proved itself to be a very inhumaneway of execution. There were many errors while using the gas chamber. Using too little or too much of the gas was a hugefactor that was constantly argued. The continuing desire for a less painful, error-free means ofexecution led to the development of the lethal injection method inthe 1970s. Initially it was approved in Oklahoma and Texas in 1977. This method involved injecting a combination of a sedative,which is used to make the execution less painful, and a fatal 5chemical agent into the condemned prisoners bloodstream. Lethalinjection was first used to carry out the death penalty in 1982. .u719920d76866e0a28f6492b79b30748c , .u719920d76866e0a28f6492b79b30748c .postImageUrl , .u719920d76866e0a28f6492b79b30748c .centered-text-area { min-height: 80px; position: relative; } .u719920d76866e0a28f6492b79b30748c , .u719920d76866e0a28f6492b79b30748c:hover , .u719920d76866e0a28f6492b79b30748c:visited , .u719920d76866e0a28f6492b79b30748c:active { border:0!important; } .u719920d76866e0a28f6492b79b30748c .clearfix:after { content: ""; display: table; clear: both; } .u719920d76866e0a28f6492b79b30748c { 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; } .u719920d76866e0a28f6492b79b30748c:active , .u719920d76866e0a28f6492b79b30748c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u719920d76866e0a28f6492b79b30748c .centered-text-area { width: 100%; position: relative ; } .u719920d76866e0a28f6492b79b30748c .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u719920d76866e0a28f6492b79b30748c .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u719920d76866e0a28f6492b79b30748c .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; } .u719920d76866e0a28f6492b79b30748c:hover .ctaButton { background-color: #34495E!important; } .u719920d76866e0a28f6492b79b30748c .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u719920d76866e0a28f6492b79b30748c .u719920d76866e0a28f6492b79b30748c-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u719920d76866e0a28f6492b79b30748c:after { content: ""; display: block; clear: both; } READ: The Spanish-American War EssayIn 1980, The American Medical Association AMA wenton record to oppose the participation of any physician in an execution by lethal injection. A doctors involvment was seen as acontradiction of the professional responsibility under the Hippocratic Oath to save lives. As it now stands, no state that uses lethal injection, requires a physician to be present. The deadly solution is normally administered by medically trained technicians. There is much evidence showing that Capital Punishmentis a deterrent of crime. The most persuasive research compared the homicide rates of states that did and did not prescribe the death penalty. For instance, Mic higan, which abolished Capital Punishment in 1847, was found to have had a rate higher toadjacent states, Ohio and Indiana, that were executing. Similarly,Minnesota and Rhode Island, states with no death penalty, had6many more killings then their respective neighbors Iowa andMassachusetts, which had Capital Punishment. In 1939 SouthDakota adopted and used the death penalty, and its homiciderate fell twenty percent over the next decade; North Dakotawent without Capital Punishment for the same ten years, andhomicide rates went up. Similar before and after studies in Canada, England, andother countries likewise found that the suggestion of Capital Punishment had deterred murderers better than the prospect oflong prison terms. In Britain during the 1950s, a typicallifer actually served only seven years, compared with a muchtougher average, the United States life term today of twenty years. Between 1930 and 1980 there have been 3,860 executions in the United States. Of this number 3,380 had been executedfor murder. Rape, armed robbery, burglary, and aggravated assaultno longer are capital crimes. 7Only thirty-two women have ever been executed. Since 1930half of all persons executed were non white. Over 1,200 death rowinmates were awaiting execution by 1984. In 1980, thirty-nine states had enacted death penalty laws. From 1965 to 1983 favoritism of the death penalty has risen thirty-two percent. Now, seventy percent of Americans favorCapital Punishment. Washington D.C. had the highest murder rate in the countrywith 35.1 murders per 100,000 population. Nevada is secondwith twenty, Texas with 16.9, Florida at 14.5. South Dakotahas the lowest murder rate with .7 murders per 100,000 population. Since the Supreme Court rulings in the 1970s up to 1984, only sixteen death row inmates have been executed. In America we have many criminals. Different societies havedifferent views on how these criminals should be punished. Themore harsh we are on the criminals and the more death penalties8we hand out, there will be a drastic drop in capital crime. CapitalPunishment is necessary in any imperfect society.

Tuesday, March 17, 2020

Free Essays on Spyware, The Newest Form Of Privacy Invasion

, and recording credit card numbers. Spywar... Free Essays on Spyware, The Newest Form Of Privacy Invasion Free Essays on Spyware, The Newest Form Of Privacy Invasion In a study of 3 million computers, over 83 million spyware programs were found. Spy-ware, which is deceitfully installed by malicious attackers, is an ever increasing problem among professional and home computer users worldwide. It not only causes performance problems for computers, but can also damage the computer’s hardware. It infects an estimated 80% of all computers worldwide, and many users have no idea what "spyware" is. Anyone who uses a computer should educate themselves on what spyware is, how it gets onto computers, and how to protect themselves. If people have no knowledge of what spyware is how can they protect their computer properly? Many people have heard about spyware and are purchasing programs to help protect their selves from it, but this is not always the best solution. Many legitimate software programs contain an information-gathering functionality that they need in order to perform properly. These include error reporting applications, troubleshooting and maintenance programs, security protocols, and Internet browsers. These small windows into computer’s security systems are there for legitimate programs that need some access to properly display their products and services, and if people install blocking tools that block all communication on those ports, then they also block the legitimate programs also. Spyware companies’ exploit this built in access to read personal or private information stored on computers. These programs can have devastating effects on a computer. Once a spyware program is installed on a computer it can be almost impossible to detect or remove. Sometimes multiple spyware programs can infect a computer and slow down the system to the point that it is almost useless. Spyware is the most commonly used tool for criminals committing identity theft. Spyware can perform many tasks, such as; recording keystrokes, recording passwords, and recording credit card numbers. Spywar...

Sunday, March 1, 2020

Family Delphinidae

Family Delphinidae Delphinidae is the family of animals commonly known as the dolphins. This is the largest family of cetaceans.Members of this family are commonly called dolphins or delphinids. The Family Delphinidae includes such recognizable species as the bottlenose dolphin, the killer whale (orca), the  Atlantic white-sided dolphin,  Pacific white-sided dolphin, spinner dolphin,  common dolphin, and pilot whales. Dolphins are vertebrates and marine mammals. Origin of the Word Delphinidae The word Delphinidae comes from the Latin word delphinus, meaning dolphin. Delphinidae Species Cetaceans in the Family Delphinidae are  Odontocetes or  toothed whales. There are  38 species  in this family.   Characteristics of Delphinidae The Delphinidae are generally fast, streamlined animals with a pronounced beak, or rostrum.   Dolphins have cone-shaped teeth, an important characteristic that distinguishes them from porpoises. They have one blowhole, which distinguishes them from baleen whales, which have a pair of blowholes.   Dolphins also use echolocation to find their prey. They have an organ in their head called a melon which they use to focus clicking sounds which they produce. The sounds bounce off objects around them, including prey. In addition to its use in finding prey, delphinids also use echolocation to communicate with other dolphins and to navigate. How Big Are Dolphins? According to the Encyclopedia of Marine Mammals, the Delphinidae can range in size from about 4 or 5 feet (e.g., Hectors dolphin and the spinner dolphin) to about 30 feet in length (the killer whale, or orca). Where Do Dolphins Live? Delphinids live in a wide range of habitats, from coastal to pelagic areas.   Dolphins in Captivity Dolphins, especially bottlenose dolphins, are kept in captivity in aquaria and marine parks. They are also kept in some facilities for research. Some of these animals are once-wild animals that came into a rehabilitation center and were unable to be released. The first marine park in the U.S. was  Marine Studios, now known as Marineland. This park began exhibiting bottlenose dolphins in the 1930s. Since dolphins were first displayed in aquaria, the practice has become more controversial, with activists and animal welfare advocates especially concerned about the stress levels and health of captive cetaceans, especially orcas. Dolphin Conservation Dolphins are also sometimes the victims of drive hunts, which have grown more widely known and controversial. In these hunts, dolphins are killed for their meat and to be sent to aquariums and marine parks. Even before that, people advocated for the protection of dolphins, who were dying by the thousands in nets used to catch tuna. This led to the development and marketing of dolphin-safe tuna. In the U.S., all dolphins are protected by the Marine Mammal Protection Act.   References and Further Information Committee on Taxonomy. 2014. List of marine mammal species and subspecies. Society for Marine Mammalogy, Accessed October 31, 2015.Perrin, W. F., Wursig, B., and J.G.M. Thewissen, editors. Encyclopedia of Marine Mammals. Academic Press.