Domestic Wire Transfers Are Governed By Federal Regulation Finance Essay - Free Essay Example

In the United States, domestic wire transfers are governed by Federal Regulation and by Article 4A of the Uniform Commercial Code. The country register information regarding international transfer to make sure that funds are not sent to terrorist organizations or countries and entities under sanction by the government. It is the OFAC, the Office of Foreign Assets Control, which is in charge to monitor international transfers. If the office suspects that financial transfers are sent to one of these entities, the institution will block the transfer and freeze the money. As an example of the cost, Bank of America as of February 2010 charged $25 to send a wire and $12 to receive one within the US. For international transfer, it charged $35-$45 outgoing, $16 incoming. However, fees may vary from bank to bank. People have to know that banks can take a fee without the contentment of the client. There is no legislation to protect customers from these practices. It happens usually when there are different intermediate banks. However, the use of cheques does not allow these practices: the amount is fully guaranteed and fees are only due to the last endpoint bank. Recently, the COFACE decided to downgrade the mark that this institution gives to evaluate financial risks of a country, to the USA. The country received the note A1 due to several reasons: The signs of slowing down of the American economy multiply (3, 3 % growth in 2006 and 2, 4 % planned in 2007). The difficulties of the residential real estate market are likely to spread to the whole economy and affect the consumption of households An access more difficult to the credit for the most fragile companies that could lead to an increase of non-payments and failures. Coface plans an increase incidents of 5 % payment prevents Sylvia Greisman, chief Economist of Coface. Different institutions are in charge to prevent risks of non-payment: Bank Secrecy Act The Bank Secrecy Act of 1970 (or BSA, known as the Currency and Foreign Transactions Reporting Act) requires U.S.A. financial institutions to assist U.S. government agencies to detect and prevent money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, file reports of cash transactions exceeding $10,000 (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. Export-Import Bank of the United States The Export-Import Bank of the United States (known as Ex-Im Bank) is the official export credit agency of the United States. Ex-Im Banks mission is in charge to assist the export or import of goods and services to international markets. Financial Crimes Information Network (FinCen) US Department of Treasury FinCEN tends to improve the security of the country, and identify criminal activity, safeguard financial systems from abuse by promoting transparency in the U.S. United States Department of the Treasury The Treasury Department is the executive agency responsible for promoting economic prosperity and ensuring the financial security of the United States. The Department is in charge of different activities such as advising the President on economic and financial issues, encouraging sustainable economic growth. The Department of the Treasury maintains systems that are critical to the financial infrastructure, such as the production of coin and currency, the disbursement of payments to the American public, revenue collection, and the borrowing of funds necessary to run the federal government. Source: https://www.ustreas.gov/ EUROPE In Europe, since 2005, risks of payments have been growing. In average, companies have been paid within 17 days late. Behind this trend, situations can be different according to the country. To decode that, Intrum Justitia assigns to each country a payment risk index which summarizes all local settings affecting the creditor companies (average, delays settlement payment delays, losses on bad debt). However, the European community wants to set up a single way of payment: the Single Euro Payments Area. The SEPA project will provide new instruments of payment that will allow making transfers in all the SEPA area as easy as if it was in a national level. It involves the creation of a zone in which all electronic payments are considered domestic, and where a difference between countries part of Europe does not exist. The goal of this project is to improve the efficiency of cross border payments and turn the fragmented national markets for euro payments into a single domestic one: SEPA will allow customers to make payments to anyone situated anywhere in the area using only a single bank account and a single instrument of payment. The project includes the development of common instruments, procedures, and infrastructure to facilitate economies of scale. Since January 2008, banks are pushing customers to use this new payment instruments. By 2010, the majority should be on the SEPA framework. As a result, banks will need to invest a lot in technology to be able to carry on SEPA payment instruments. For Multi-national companies and banks, SEPA will offer the opportunity to secure their payments dealing out onto common platforms across the Eurozone. For consumers and companies, SEPA could mean cheaper, more efficient and faster payments transfer when moving Euro from one Eurozone country to another. 32 countries will take part of SEPA. SEPA have various objectives: Standardization of payments: This will take place with an equal limit of time, fraud levels, processes There wont be differences between national and international payments in the SEPA area. Reduction of cash money: The Single Euro Payments wants to decrease the amount of cash money by increasing electronic money through a reduction of costs of electronic money. Increasing surveillance of electronic money: SEPA will check electronic flow particularly regarding money laundering and terrorism funding. Sources: https://www.intrum.com/en/investors-and-media.html

Chicopee Public Schools Hr Assessment Essay - 723 Words

Chicopee Public Schools HR Assessment Background I have been working for Chicopee Public Schools for 2 years. I truly believe this is the best job I’ve ever had. The flexibility of my job is what I love the most. The only interaction I’ve had with Human Resources was when I got hired and when I have questions about benefits. We will dig deeper into my human resources department. We will explore issues involving retention, organizational growth, employee morale, and workplace demographics. I will narrow these four areas down to one and discuss ways to fix the issues. Target Crowd I wanted to get an unbiased view of Chicopee Public School System’s Human Resources department through the eyes of different workers. I targeted workers from different departments. CPS has a unique organization structure. CPS has a central office, this is where I work on a day to day basis. The central office could be considered the main hub for CPS. The public schools in Chicopee could be considered the sub organizations. This is what made it difficult to find a target audience in my organization. For this reason, I only focused on employees in the central office. My final decision was target two individuals from my human resources department, the Assistant for English Language Learners and Teacher Support, and the Assistant for Curriculum. I felt these individuals would give me a 360-degree view on our human resources department. Surveys I figured the best way to reach my targeted individuals was

Essay on Cuban Revolution - 1541 Words

Almost every nation in the world has experienced a revolution. A revolution can be simply defined as a change. When a country undergoes a revolution, its ideals that it once believed in are being modified. Sometimes revolutionaries act intellectually, yet others may respond physically through destruction. Some may be peaceful, some short lasting, and some pointless. Historians do argue on identifying whether a revolution has occurred. Revolutions usually follow a rupture in the nations events, are directed by a hero, have an ideology and belief system, and use symbols or tools to get its points across to the people. Cuba and its leader today, Fidel Castro, have their own roots in a revolution that took place only some forty years ago.†¦show more content†¦All revolutionaries except Castro and his family were massacred. Although this rupture failed, Castros movement gained popularity and prestige all over the world. In fact, Castro called the Revolution the 26 of July Movemen t. Castro himself was caught and sentenced to jail for two years. Between 1955 and 1956,brbrCastro went to United States and Mexico looking for supporters and money to fund his revolution. On December 2, 1956, eighty-two men including Castro and the physician Ernesto Che Guevara, set sail once again for the Oriente on their yacht, the Granma. The campaign was doomed from the beginning. Nobody could navigate the boat properly, everybody was seasick, most of the supplies were jettisoned in a storm, and the expedition landed in the wrong place.(Sinclair,15) On one occasion Guevara followed the wrong star to travel North, and on another, his comrade put the only the drink they had, milk, upside down in his pocket. By the end of the day the milk was gone. On December 5 in the battle of Alegrà ­a de Pà ­o, Batistas troops killed all of the rebels except twelve. Among these survivors, coincidentally, were Castro and Guevara.brbrMeanwhile, in the cities and universities, a revolutionary m ovement was also taking place. The Ortodoxo political party favored a violent revolution against Batista. Its leader and University of Havana Professor Rafael Bà ¡rcena organized theShow MoreRelatedCuban Revolution And The Revolution1309 Words   |  6 PagesCuba’s history, the Cuban revolution. The factors that caused the revolution and the main events during changed the lives of Cuba’s people as well as North Americans. Cuba was a poor, uneducated, country controlled by a brutal dictator in 1953. The attack on the Moncoda barracks and other confrontations caused the people of Cuba to react – storming the presidential palace and rioting. Castro and his men were starting to win against Batista’s despite the numbers. After the revolution Fidel Castro tookRead MoreThe Revolution Of The Cuban Revolution1264 Words   |  6 Pagesin the years that followed because of the Cuban revolution. The oxford dictionary defines art as the expression or application of human creative skill and imagination, typically in a visual form such as painting or sculpture, producing works to be appreciated primarily for their beauty or emotional power, as well as the branches of creativity, such as painting, music, and dance. Art and its many different forms were heavily influenced by the Cuban Revolution. Artists find inspirations for their worksRead MoreThe Cuban Revolution Of Cuba1670 Words   |  7 Pagesarchitecture. But underneath the surface, was a revolution ready to burst through the Cuban people they just needed the right person to lead them. Cuba at this time was run by a Political Dictator named Fulgencio Batista. Fulgencio Batista was elected President of Cuba between 1940 and 1940. In 1952 Batista declared that constitutional guarantees and the right to strike will be suspended. He became a dictator with absolute power over Cuba. Batista turned the Cuban capital of Havana into one of the largestRead More Cuban Revolution Essay945 Words   |  4 Pagesnbsp;nbsp;nbsp;nbsp;nbsp;Fidel Castro, inspired by Josà © Martà ­ who first dreamt of a Cuban Revolution who died a martyr before he could succeed, wanted to overthrow the corrupt government under Fulgencio Batista. Castro gathered an army of revolutionaries known as the Fidelistas who were driven by nationalism, idealism, patriotism, and the thought of possibly becoming a martyr, a historical glory of Cuba. The result of this revolution in Cuba was an overthrow of the government and the start of a Communist stateRead MoreEssay on The Cuban Revolution773 Words   |  4 Pagestime of the Cuban Revolution was a great deal of turmoil, not just in Cuba but in almost every corner of the world. It was 1945, shortly after the end of World War Two, and the Cold War was taking off between the United States and the Soviet Union. Cuba, in the middle of its own war, was caught up in the international politics of the Cold War. The interaction between international and domestic politics played a major role in the outcome of the revolution. The result of the revolution left Fidel CastroRead MoreEssay on The Cuban Revolution2746 Words   |  11 Pagesof Power [1952-1959] Marifeli Pà ©rez-Stable looks back at the Cuban Revolution through a sociological lens in her book The Cuban Revolution. Pà ©rez-Stable claims that Cubans held national independence and social justice as goals ever since the end of the nineteenth century. Radical nationalism remained important in Cubans’ view of themselves and their ideals. Thus, Pà ©rez-Stable argues that the origins of the Cuban Revolution of 1959 lie in the independence movement against Spain and the frustrationsRead More The Cuban Revolution Essay3088 Words   |  13 Pagesto â€Å"take by the surprise and capture the Fort Moncada, and take machine guns, tanks, armored trucks, up-to-date rifles and ammunition.† (Huberman 1960: 28) They could then seize radio stations, (Hampsey 2002: 95) and â€Å"They were to announce a revolution based on ‘Creole values,’ (Goldenberg 1965: 151) led by new men ... free of all obstacles with foreign nations and ... of appetites of politicians. They promised welfare and economic prosperity, social justice, respect for other nations, and respectRead MoreEssay about The Cuban Revolution2304 Words   |  10 PagesThey talk about the failure of socialism but where is the success of capitalism in Africa, Asia and Latin America? -- Fidel Castro Introduction During the 1950’s, Cuba was on the brink of revolution. The nation, which had suffered numerous corrupt and oppressive governmental regimes, fell victim to yet another when Fulgencio Batista seized power under a military coup in March of 1952. A cry for a just Cuba, that was economically, politically, and socially free continued to echo throughoutRead MoreEssay on History of the Cuban Revolution1904 Words   |  8 PagesIn cuban history there was many dictatorships. But, Fulgencio Batista lead to rise of communism in Cuba and Fidel Castro. Foreign involvement from United States to control Cuba as economical ally, also Bastia treatment mistreatment towards foreigners from Haitian and Jamaican. The Cuban revolutionary leader Fidel Castro use of guerrilla warfare and the peasant population of Cuba lead to successful revolution. The United States felt threatened about Cuban being 90 miles from florida spifly duringRead MoreFidel Castro And The Cuban Revolution1367 Words   |  6 Pagesthe fruition of the Cuban Revolution, and the dramatic shift in power was about to radically alter the country’s political, social and economic course forever. The positive and negative effects of the revolution on the Cuban people, however, as well as the condition of Cuba’s economy pre and post-revolution, is subject to heated debate. Castro’s iron-fisted regime was the introduction of communism into the western hemisphere, and now, over fifty years later, the Cuban Revolution continues to be one

Vicarious Liability in Tort-Free-Samples for Students-Myassignment

Question: Whether Li Min can successfully sue Wang Wie or ScubaEats for Negligence, or not? Answer: Issue Whether Li Min can successfully sue Wang Wie or ScubaEats for negligence, or not? Rule A civil wrong done is denoted through a tort and negligence is deemed as one of the torts. In a case of negligence, party X owes a duty of care towards party Y and there is a violation of this particular duty[1]. The result of this duty, to create of case of negligence, has to be substantial injury, which is not remote and where the breach of duty of care directly results in the injury suffered by Y. In such cases, Y gets the opportunity of initiating a legal claim against X for negligence and gets compensated for their losses[2]. In order to show that a person was indeed liable for negligence, there is a need to show the presence of certain elements, which includes duty of care, breach of duty of care, dames/ loss/ injury, loss being not too remote, direct causation and foreseeability[3]. For establishing a duty of care, it needs to be shown that X owed a duty of care towards Y. Section 42 of Civil Law (Wrongs) Act, 2002[4] provides that the standard of care is what a reasonable person would have done in similar circumstances[5]. Donoghue v Stevenson[6] which presented the criteria for establishing the presence of duty of care. Here, the plaintiff D was sitting at a caf and he ordered a drink. Upon the consumption of this drink, she fell sick as a dead snail was inside this bottle, which contaminated it. D brought actions against the defendant S for negligence. The defendant claimed that he did not owe a duty of care to D. However, the court found otherwise and with this, the neighbor test was presented. The court stated that the relationship between two people and the ability of actions of X directly affecting Y had to be considered. And so, S was asked to compensate D for her loss. The next step is to show that the duty of care was breached. For this purpose, the case of Paris v Stepney Borough Council[7] proves of help. In this case, the plaintiff was working on a rusty bolt, when it jumped and hit his good eye, which resulted in him being blinded. The defendant was held to have breached his duty of care as the plaintiff was not provided the necessary safety equipments and gears which could protect him, especially when the defendant had been aware of the fact that the plaintiff was already blind in one eye. Due to these reasons, the defendant was required to compensate the plaintiff for their loss. The next essential is to show that the damage suffered by Y is substantial and is not remote[8]. In Overseas Tankship (UK) Ltd v Morts Dock and Engineering Co Ltd[9], the court did not award any damage to the plaintiff as the damages were remote. The next element relates to foreseeability; in the sense that thee damages have to be reasonably foreseeable for the damages to be awarded[10]. In Vaughan v Menlove[11], the defendant had been persistently given warnings about the chances of the building catching fire as it was not properly ventilated. The defendant never worked on these warnings and chose to ignore them due to which, the court held the defendant liable for negligence. The reason behind this was that a prudent individual would have paid heed to such warnings and by not considering this, the plaintiff was required to be compensated by the defendant. The next element is to show direct causation between the injury suffered and the negligence of X. Hence, there is a need to show that due to the actions of X, Y suffered the injuries and there was a direct link between them[12]. Upon successfully showing that all these elements of negligence had been present, a claim for negligence can be made. When this is done, the monetary damages for the losses can be made. The claim can be made for the physical injury and also for the economic losses incurred[13]. When a case of negligence is made against X by Y, party X can use the defense of contributory negligence. Upon successfully showing that Y had contributed towards the injuries sustained by him, the damages awarded to Y are reduced by the amount decided by the court[14]. Froom v Butcher[15] was a case where due to the fault of the defendant, the plaintiff was injured. However, at the time of the incident, the defendant was not wearing the seatbelt. Due to this reason, the damage awarded to the plaintiff was reduced by 100 by the court. Vicarious liability is a concept which arises from the agency law where the employer is held accountable for the actions of their employees, particularly the ones related to a tortious act. In order to hold the employer responsible, the tortious act is required to be taken during the employment course. Vicarious liability is born from the Latin phrase of qui facit per alium facit per se and it means that an individual would be considered to act through another[16]. For holding the employer liable, there is also a need to show that the person was the employee of the employer. There are different tests like the control test and the integration test which help in the making of this decision. However, the most useful test is the multi-factor test as per which the situations revolving around the relationship of two individuals is to be considered for naming the kind of relationship[17]. This test was primarily given in Stevens v Brodribb Sawmilling Co Pty Ltd[18] and received confirmation afterwards in Hollis v Vabu Pty Limited[19]. Hollis v Vabu Pty Limited is particularly important case as in this case the bicycle courier was deemed to be the employee due to the presence of factors like wearing uniform, strict star timings, and bicycle being provided to him. Application In the given case study, for Li Min to hold Wang Wei liable for negligence, a duty of care has to be shown. On the basis of Donoghue v Stevenson, the relationship between the two has to be analyzed. Here, Wang Wei was driving his bicycle on the road and he owed a duty of care to all of the others who were on road. This is further clear from the ACT Road Rules which required he motorists and cyclists to stop when they saw pedestrians so that a collision can be avoided. Even when this duty was owed by Wang Wei, he failed to undertake care in his bicycle riding and cycled fast to reach early, to cover the loss of time from the detour he took. By doing so, his duty of riding the bicycle carefully was breached. And this breach of duty, on the basis of Paris v Stepney Borough Coun, would make Wang Wei liable to compensate Li Min. Wang Weis actions were such that a reasonable person would have foreseen the chances of collision. Applying Vaughan v Menlove, Wang Wei ignored the ACT Road Rules. The damage suffered by Li Min was such that she had to be hospitalized for three days. Even though these were minor injuries, they required hospital stay. So, a claim for hospital expenses can be made. Along with this, she can make a claim for the economic losses suffered by her which resulted from her being discharged from internship for poor performance. However, she cannot make a claim for quitting her job as it was a voluntary decision and not occurred due to the negligence of Wang Wei. In short, Li Min can initiate a case of negligence against Wang Wei and claim the expenses of hospital, her physical injury in form of headaches and the course fee. In this case, a case of contributory negligence can be made by Wang Wei against Li Min. This is because Li Min was indulged in her phone and was not paying attention to the road. Had she been paying attention, she could have moved aside and the accident could have been avoided. These actions of Li Min contributed towards her injuries, and on the basis of Froom v Butcher, the damages awarded to her would be reduced. The applicability of vicarious liability would make ScubaEats liable for compensation Li Min for her loss, owing to the negligence of Wang Wei. Though, for this, Wang Wei has to be shown as the employee of ScubaEats. Applying the case of Hollis v Vabu Pty Limited, Wang Wei has been given the uniform by ScubaEats and also rides the bicycle given by them. The facts of this case are similar to Hollis v Vabu Pty Limited and similar to this case, the employer would be held liable for negligence of their employee. Conclusion On the basis of discussion carried above, it is clear that Li Min can successfully sue Wang Wie and ScubaEats for negligence. However, the damages awarded to her would be reduced by the amount of contributory negligence, as decided by the court. Bibliography A.Articles/ Books/ Reports Abbott K, Pendlebury N, and Wardman K, Business law (Thompson Learning, 8th ed, 2007) Bailey VE, Cape Law: Text and cases: Contract law, Tort law and Real property (AuthorHouse, 2nd ed, 2016) Gibson A, and Fraser D, Business Law (Pearson Higher Education AU, 2013) Giliker P, Vicarious Liability in Tort: A Comparative Perspective (Cambridge University Press, 2010) Graw C, Parker D, Whitford K, Sangkuhl E, and Do C, Understanding Business Law (LexisNexis Butterworths, 8th ed, 2016) Latimer P, Australian Business Law 2012 (CCH Australia Limited, 31st ed, 2012) Lunney M and Oliphant K, Tort Law: Text and Materials (Oxford University Press, 5th ed, 2013) Morissette EL, Personal Injury and the Law of Torts for Paralegals (Aspen Publishers Online, 2008) Stewart P, and Stuhmcke, Australian Principles of Tort Law (Federation Press, 2009) Turner C, Unlocking Torts (Routledge, 3rd ed, 2013) Cases Donoghue v Stevenson [1932] UKHL 100 Froom v Butcher [1976] 1 QB 286 Hollis v Vabu Pty Limited (2001) 207 CLR 21 Overseas Tankship (UK) Ltd v Morts Dock and Engineering Co Ltd [1961] UKPC 2 Paris v Stepney Borough Council [1951] AC 367 Stevens v Brodribb Sawmilling Co Pty Ltd [1986] HCA 1 Vaughan v Menlove (1837) 132 ER 490 Legislations Civil Law (Wrongs) Act, 2002 (ACT) Tort of Negligenc Mark Lunney and Ken Oliphant, Tort Law: Text and Materials (Oxford University Press, 5th ed, 2013) Andy Gibson and Douglas Fraser, Business Law (Pearson Higher Education AU, 2013) Stephen Graw, David Parker, Keturah Whitford, Elfriede Sangkuhl and Christina Do, Understanding Business Law (LexisNexis Butterworths, 8th ed, 2016) Civil Law (Wrongs) Act, 2002 (ACT) Civil Law (Wrongs) Act 2002, s 42 [1932] UKHL 100 [1951] AC 367 Chris Turner, Unlocking Torts (Routledge, 3rd ed, 2013) [1961] UKPC 2 Paul Latimer, Australian Business Law 2012 (CCH Australia Limited, 31st ed, 2012) 1837) 132 ER 490 Pamela Stewart and Anita Stuhmcke, Australian Principles of Tort Law (Federation Press, 2009) Keith Abbott, Norman Pendlebury and Kevin Wardman, Business law (Thompson Learning, 8th ed, 2007) Emily Lynch Morissette, Personal Injury and the Law of Torts for Paralegals (Aspen Publishers Online, 2008) [1976] 1 QB 286 Paula Giliker, Vicarious Liability in Tort: A Comparative Perspective (Cambridge University Press, 2010) Veronica E. Bailey, Cape Law: Text and cases: Contract law, Tort law and Real property (AuthorHouse, 2nd ed, 2016) [1986] HCA 1 (2001) 207 CLR 21

Is Google Making Us Stupid free essay sample

By using a familiar movie scene and arguments embedded with relatable analogies, imagery and metaphors; Carr casually and acceptably leads his audience to a reasonable answer. At the very beginning, Carr uses pathos to make us feel like we are more connected to his argument, and not just at a casual level. He also uses the unsettling scene of the computer to make us concerned and/or uncomfortable. This is so the readers will realize that what he is saying is important and that it needs to be changed. The scene is also a form of foreshadowing into the seriousness of what he is going to talk about. Carr’s careful use of pathos simplify the audience’s sympathy for his drifting concentration, fidgety habits, and struggle while brightening up their persuasion with images like tripping over hyperlinks and jet skiing over a sea of words. Ethos is appealed to not only in the narrator’s self-consciousness, but the comparison in condition he has to related bloggers and personal scholastic contacts. We will write a custom essay sample on Is Google Making Us Stupid or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page A simple yes to the article title, finishes with a call for a more absolute picture of how the Internet use affects thought. For this, Carr relies on the logos of scientific research. Carr also uses evidence from a various scientific studies to prove the change in reading patterns among people. Instead of poring through pages and pages of text to see if anything of use is present, users research sites power browse and skim through titles and selects to look for information that seems as if it might be important. Carr makes use of this indication to show that although people have the opportunity to read through long texts to research properly, they are more ikely to skim through texts, which may be obvious of a short attention span. In Carr’s description of the Internet, he explains why it is affecting humans. He leaves the technology as a virus that absorbs our commands, injects information into us, and then scatters and spreads our concentration. However, before labeling the Internet as a human made pest that has gone wild, Carr makes one last appeal to ethos by stating possible benefits of this ra pidly capable means of statement as well as his own faults of being a worrywart. Carr also uses personification frequently when talking about the Internet. He simply calls it â€Å"the Net† and describes the things it can do, like â€Å"reprogramming us† and influencing our minds. This makes the Internet seem like a bigger threat to his readers. Carr uses imagery and metaphors at the end of the second paragraph on page 962 by comparing our mind to either a scuba diver or a jet skier. This makes his argument more applicable and easier to understand for his readers. He frequently quotes professional writers or professors and prominent universities to show that he really know what he’s talking about. Carr also uses a quote from Maryanne Wolf to show that the way people now read and think have changed. Wolf states that the importance placed on productivity may be weakening the greater value of considering and making connections while reading. Through such use of support, Carr again attempts to prove his argument to the audience, this way in a manner that outfits logos. Carr uses the anecdotes of Bruce Friedman and Scott Karp to appeal the reader’s emotions through the use of pathos. Karp admits to having stopped reading books, and although that does not seem strange at the least considering how few people read books frequently on a daily or weekly basis nowadays, it is unusual in that Karp had been a Literature major while in college. Karp suggests that his lack of desire to read may have occurred because the way he thinks has changed, which is significant to Carr’s argument. Carr uses this anecdote to evoke disbelief and skepticism in the reader. Although there is an abundant use of both pathos and logos in the article, there is barely any ethos presented in the article at all. The slightest bit of ethos presented to the readers is when Carr represents his own experience to the audience. Carr also often tends to present material in his article that seems as if his claims are backed by his own results. He further hurts the ethos in his essay by relying so heavily on his own experience as the circumstances as the average experience by every day people. Of the three rhetorical devices, ethos is the most crucial to an argument.

MS vs. MBA Degrees

MS vs. MBA Degrees MBA  stands for Master of Business Administration. The MBA degree  is internationally recognized and easily among the most well-known professional degrees in the world. Although programs vary from school to school, students can who go for the MBA can expect to get a broad multidisciplinary business education. MS stands for Master of Science. An MS degree program is an alternative to the MBA program and is designed to educate students in a particular area of business. For example, students can earn an MS in accounting, marketing, finance, human resources, entrepreneurship, management, or management information systems. MS programs combine science and business, which can be beneficial in the modern, tech-heavy business world.   Trends Over the last few years, there has been an increase in the number of specialized masters degree programs at business schools, colleges, and universities across the country.  According to  survey results  from the Graduate Management Admission Council, there has also been an increase in the number of business school  students interested in specialized masters degrees. Career Goals   When considering which program to choose, it is important to consider your future career path. Both the MS degree and the MBA are advanced degrees, and the superiority of one over the other depends solely on your career goals and how you plan to utilize your degree. MS degrees are very specialized and will give you excellent preparation in a specific area. This can be helpful if you plan to work in an area like accounting  where you need in-depth knowledge of accounting laws and procedures. An  MBA program  typically provides a more general business education than an MS, which can be helpful for students who want to work in management or think that they may change fields or industries in the future. In short, MS programs offer depth, while MBA programs offer breadth.   Academics Academically, both programs are usually similar in difficulty. At some schools, students in MS classes may be more academically inclined because they are there for different reasons than MBA students. This is because some of the people who attend MBA classes are in it for the money, the career, and the title. Whereas MS students are often enrolled in classes for other reasons - most of them academic in nature. MS classes also tend to focus more on traditional coursework. Although MBA programs require plenty of traditional class time, students also get educated through  work-related projects and internships. School Choice Because not all schools offer an MBA and not all schools offer an MS in business, you will need to decide which is more important: your program of choice or your school of choice. If youre lucky, you can have it both ways.   Admissions MS programs are competitive, but MBA admissions are notoriously tough. Admissions requirements for MBA programs are often harder for some students to meet. For example, most MBA programs require three to five years of work experience prior to application. MS degree programs, on the other hand, are tailored for people who have less full-time work experience. Students who want to enroll in an MBA program must also take the GMAT or the GRE. Some MS programs waive this requirement. Rankings One final thing to consider is that MS programs are not subject to rankings like MBA programs are. Therefore, the prestige that is carried with MS programs is much less discriminating.

Intercultural communication( this is the course I'm studying, not the Term Paper

Intercultural communication( this is the course I'm studying, not the topic) - Term Paper Example The country attained independence from the British in 1963 but still holds some of the customs that they were assimilated by the British during colonization. This is the reason that despite it being an African country with the usual stereotypes surrounding African nations; it is a modernized country in terms of its culture as it represents a blend of the Western and African culture (Sobania 129). Traveling to Kenya requires a passport but there are no other major restrictions other than the usual security restrictions against terrorism and drug trafficking (Martin & Chaney 26). Immunizations and especially against malaria and flu which are prevalent in the nation as it lies along the equator hence temperate weather conditions are necessary. Due to the warm weather and especially between January and April, packing should be restricted to light clothes that are comfortable and decent. Medication should be carried as long as the necessary paperwork and stamps are indicated for the medication to avoid them being confused as hard drugs. Health cards should also be carried in case of any accidents or illnesses. There are a lot of taxis on the airport which can take the passenger to the best hotels in the city. Tokens of appreciation are encouraged as a way to appreciate but not bribe individuals for their services. Conformity to the local customs is easy as it needs just observation and interaction with the local people. The country houses a lot of international headquarters and hence foreigners are many making one cope easily and quickly and get over any cultural shock one might meet as well as adjust properly to the laws of the land which are similar to the UK laws. The national languages are English and Kiswahili and making communication easier. The Swahili language is easy to learn the basic greeting phrases to show effort to the hosts. Business greetings should be formal and so should addressing the titles of the