Wednesday, August 26, 2020
Premature birth Limit on Minors expositions On April 17 of 2002, the House affirmed a bill that would make it a felony for anybody other than a parent to take a young lady under age 17 across state lines for a fetus removal, however the Senate activity shows up far-fetched. By a vote of 260 to 161, the House passed the bill, the Child Custody Protection Act. Violators could be fined up to $100,000 and look as long as a year in prison. In any event 27 states require one or the two guardians to be informed before a minor may have a fetus removal. The House bill would make it a wrongdoing for anybody other than a parent, including a nearby relative like a sister or an auntie, to take a young lady under 17 across state lines to dodge those laws. This is something that certainly should be tended to. Premature birth is an extremely huge theme going around legislative issues. I accept this bill is right in saying that any young lady under 17 needs to have a parent to go get the fetus removal, since no one can really tell when some sexual stalker impregnates a young lady and afterward takes her to have a premature birth. Those young ladies are scarred forever. I likewise think there ought to be stricter laws on to what extent you really hold back to have the premature birth, on the off chance that the infant is really beginning to shape, at that point I accept that you completely ought not have the option to get one. I know there are a wide range of conclusions than mine yet I additionally realize that individuals share similar perspectives, Im catholic and was on the Right To Life March in January of 2001. In the event that you were there to see it, youd see that individuals shared my perspectives, all of Capital Ave. was brimm ing with individuals, jam pressed for a significant distance. It was a serious encounter to see the discourses and stations arrangement from the professional decision and ace life devotees. Whatever the decision on this law, it ought to be thoroughly considered with the goal that whatever is done will be done so the young lady will be upbeat and not scarred forever, ideally this is the manner in which our administration will think. ... <!
Saturday, August 22, 2020
A great many people would characterize a decent instructor as somebody who causes understudies to exceed expectations scholastically and excel on tests. I accept an incredible instructor is somebody who has numerous measurements, an educator who makes their understudies need to go to class and hear what they need to state. Mr. Isaacson was that instructor for me. He showed Language Arts and Literature. He had an aura about him, dissimilar to any educator I have ever had. He was tall with a long dim goatee and he had a bare head that would shimmer in the lights from the room when he would address. I would never determine what he was thinking on the grounds that about his grave and centered face. Mr. Isaacson was brimming with mockery, guidance about the world and how it ought to be lived, and how a straightforward novel can mean significantly more than its basic rundown. Before my participation in his group, he likewise showed my three sisters. We will compose a custom article test on Isaacson or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Every one of my sisters disclosed to me the amount they adored Mr. Isaacson and what an extraordinary instructor he was. The primary day I strolled into his group during my lesser year, I was befuddled about what the serious deal was. From my initial introduction, he appeared to be dull and monotone. I would never think about what he was thinking in light of the fact that about his undeniable glare when sitting at his work area, yet when he opened his mouth and beginning discussing writing, I could see him wake up. He had a calming and expressive voice. All that he would state sounded charming and intriguing. Another book was doled out each month; at that point he would scrutinize all understudies on content. A great many people didn't peruse the books, particularly senior year, and he knew about it. This is the point at which he would offer his clever remarks and wry explanations when examining understudies regarding the book. His most celebrated line was, Ã¢â¬Å"B.S to success.Ã¢â ¬ Even however he knew nobody read the book, he would in any case let us answer his inquiries regardless of whether it was totally off-base. At the point when somebody was finished addressing an inquiry inaccurately, he would state, Ã¢â¬Å"Man, that would be truly cool in the event that it did happen.Ã¢â¬ , Then he would chuckle at his joke regardless of whether it was not clever. Mr. Isaaccson had the option to make any circumstance, book, or issue be a deterrent an individual needed to confront and to gain from it to better oneÃ¢â¬â¢s self. Mr. Isaacson had the option to take a solitary talk and cause it to identify with our own lives, convictions, and issues. Throughout the years I learned in addition to the fact that he was a creator and a legal advisor, however by one way or another he accidently turned into a Rabbi for the U.S. Naval force and was not even Jewish. He had the option to make something so peculiar like that and by one way or another pass on it back to writing or other educational encounters. One of my preferred things I gained from him was the idea of existentialism. I was so captivated with the thoughts and convictions of the way of thinking due to the manner in which he would portray and associate it to reality. Mr. IsaacsonÃ¢â¬â¢s class to me was in excess of an English class, yet all the more a real existence exercise. With regards to books, Mr. Isaacson knew it all there was to think about them. Despite the fact that it was his business to realize it didn't appear it. Writing was his obsession and interest. He even composed his own novel dependent on a sentiment. Each understudy was shocked to get some answers concerning his book since he didn't appear the sentimental kind. Books like The Great Gatsby, My Name is Asher Lev, and 1984 were among his top choices and before long turned into mine also. Each book we read, he by one way or another had the option to relate it to todayÃ¢â¬â¢s culture and desires. I adapted never to adjust to societyÃ¢â¬â¢s gauges and set out to be distinctive all on account of Henry David ThoreauÃ¢â¬â¢s book Walden. The manner in which he clarified the book in a more profound importance made all understudies consider how we could relate it to our own lives. Books to him were words on paper, however something he believed he needed to share his affection and thankfulne ss for to more youthful ages, so we also could appreciate the message and the characters the same amount of has he did. This is actually what he accomplished for a large number of my colleagues and me. During the time Mr. Isaacson turned out to be to a greater extent a good example than an instructor. I could go up to him for anything and not be judged. He died on September 29, 2016. In spite of the fact that his time on earth was stopped, he left a gigantic heritage. Mr. Isaacson affected such a significant number of understudies to turn out to be better scholars, perusers, and people. It is difficult to experience educators like him; this is the reason I can value all that he showed me and the various understudies who had the pleasure of having him as their instructor. Mr. Isaacson will perpetually and consistently be that one instructor who transformed me as an understudy and individual.
Wednesday, August 19, 2020
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Sunday, May 24, 2020
I. Introduction a. Summary of Film Ã¢â¬â Avon girl was looking for people to give makeovers. While having no luck she seen this castle like house at the top of the mountain. She became curious and before you know it she was wondering mysteriously through the greatly sized home. She came across Edward, took him to live with her. Things went great with Edward there, everyone was happy. He even fell in love with Avon girlÃ¢â¬â¢s daughter Kim. Until his venerability makes everything go downhill. He made various unwanted mistakes and that led to the disliking of him. He Became unwanted there and very much mistaken for. Kim thinks different though, while she felt feelings for him, as well as he did her. b. Thesis Statement Ã¢â¬â Tim Burton the directorÃ¢â¬ ¦show more contentÃ¢â¬ ¦Evidence Ã¢â¬â IV. Tim Burton, in Edward Scissorhands uses long shots to show isolation and accountability, when he is seen for the first time and when the police were after him. V. b. Explanation Ã¢â¬â The long shots are used when Edward shows himself for the first time and when he was running from the cops toward the end of the movie. While everything keeps going wrong for Edward every character turns against him except for Kim because shes the one that witnessed all his doings and she knew that he wasnÃ¢â¬â¢t meaning to do any harm and throughout the movie she slowly fell in love with him. a. Evidence Ã¢â¬â when Edward was in front of Kim and Avon girls house carving an ice sculpture, Edward accidentally hurt KimÃ¢â¬â¢s hand. b. Explanation Ã¢â¬â when Edward was in front of Kim and Avon girls house carving an ice sculpture Kim came outside. She was standing under the sculpture because it was like it was snowing. Then Jim shows up drunk, then he yells at Kim. Edward didnÃ¢â¬â¢t know that Kim was under the sculpture. So, when Jim yelled it startled Edward and he jumped and yanked his hand and accidentally cut KimÃ¢â¬â¢s hand. High key lighting was used to show the audience that it was an accident, but Jim thought it was on purpose because he was drunk. Then Jim told someone and the cops got called and then everyone thought he was a bad person. VI. Body Paragraph 3: Topic Sentence Ã¢â¬â The ways that Burton got Edward and Kim to fall in love. a. Evidence Ã¢â¬â At the beginning, Tim Burton has Edward fall in loveShow MoreRelatedCritical Writing Review Of Hamlet1260 Words Ã |Ã 6 Pagesopposing views. Berardinelli has written a piece that includes only his opinion with no critical reasoning or specific evidence. Berardinelli gives background information on Hamlet itself when talking about how Ã¢â¬Å"legendary actors John Gielgud, Richard Burton, and Laurence Olivier have taken the lead roleÃ¢â¬ (Berardinelli). He also gives background to BranaghÃ¢â¬â¢s connection with Hamlet and how it Ã¢â¬Å"has been something of a private obsession for Kenneth Branagh since the age of elevenÃ¢â¬ (Berardinelli). He thenRead MoreCase Studies: Sas Airline Ryanair80169 Words Ã |Ã 321 PagesEuropean airline industry over the last twenty years? Case studies: SAS Airline Ryanair Master Thesis in Entrepreneurship and Dynamic Business Contexts Spring 2007 Supervisor: HÃ ¥kan Bohman Entrepreneurship Master Program Authors: Gilles Helterlin and Nuno Ramalho Acknowledgements We would like to express our gratitude to all who have contributed to the realization of this Master Thesis. A warm thank to our supervisor, HÃ ¥kan Bohman from USBE (UmeÃ ¥ School of Business), for his guidanceRead MoreMary and Max9879 Words Ã |Ã 40 Pagessome clever and quirky moments. However I lost interest around halfway through the film and could not engage with the film and its clunky style. A lighter touch would have made a huge difference to the viewing experience. Perhaps as an artistic statement it deserves more than three stars but as a movie going experience it was only a little bit better than average. The clay only gave the story more credibility, others might differ in their opinion about that, but I think if it were played by realRead MoreDeveloping Management Skills404131 Words Ã |Ã 1617 PagesPositivity 544 Creating Readiness for Change 550 Articulating a Vision of Abundance 553 Generating Commitment to the Vision 557 Institutionalizing the Positive Change 562 SKILL ANALYSIS 568 Cases Involving Leading Positive Change 568 Corporate Vision Statements 568 Lee IacoccaÃ¢â¬â¢s Transformation of ChryslerÃ¢â¬â1979Ã¢â¬â1984 SKILL PRACTICE 581 Exercises in Leading Positive Change 581 Reflected Best-Self Portrait 581 Positive Organizational Diagnosis Exercise 582 A Positive Change Agenda 583 SKILL APPLICATION 584Read MoreStrategic Marketing Management337596 Words Ã |Ã 1351 PagesConcorde, despite Professor PickeringÃ¢â¬â¢s pessimism. It should not be expected that any particular vision of the future will be correct in every detail, nor necessarily very detailed in its co nception. Writing in 1959, Drucker made the rather careless statement that Ã¢â¬Ë. . . if anyone still suffers from the delusion that the ability to forecast beyond the shortest time span is given to us, let him look at the headlines in yesterdayÃ¢â¬â¢s paper, and then ask himself which of them he could possibly have predictedRead MoreExploring Corporate Strategy - Case164366 Words Ã |Ã 658 PagesSpencer (A) Ã¢â¬â can new initiatives and new management reverse a decline? KPMG (A) Ã¢â¬â managing change in professional services. Xerox Ã¢â¬â difficulties with leadership at the global giant. UNHCR Ã¢â¬â managing change in a global not-for-profit organisation. Burtons (A,B,C) Ã¢â¬â three stages of a retailerÃ¢â¬â¢s development under different leaders. Key: Ã¢â" Ã¢â" = major focus Ã¢â" = important subsidiary focus Introduction to strategy Business environment: general Five forces analysis Capability analysis Corporate governanceRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words Ã |Ã 656 PagesLong, The Hajj Today: A Survey of Contemporary Makkah Pilgrimage (Albany: State University of New York Press, 1979), 127; Michael Christopher Low, Ã¢â¬Å"Empire of the Hajj: Pilgrims, Plagues, and Pan-Islam under British Surveillance, 1865Ã¢â¬â1926Ã¢â¬ (M.A. thesis, Georgia State University, 2007), 79. 33. J. William Leasure and Robert A. Lewis, Ã¢â¬Å"Internal Migration in Russia in the Late Nineteenth Century,Ã¢â¬ Slavic Review 27, no. 3 (1968): 375Ã¢â¬â394; J. William Leasure and Rob- WORLD MIGRATION IN THE LONGRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words Ã |Ã 1573 PagesCongress Cataloging-in-Publication Data Robbins, Stephen P. Organizational behavior / Stephen P. Robbins, Timothy A. Judge. Ã¢â¬â 15th ed. p. cm. Includes indexes. ISBN-13: 978-0-13-283487-2 ISBN-10: 0-13-283487-1 1. Organizational behavior. I. Judge, Tim. II. Title. HD58.7.R62 2012 658.3Ã¢â¬âdc23 2011038674 10 9 8 7 6 5 4 3 2 1 ISBN 10: 0-13-283487-1 ISBN 13: 978-0-13-283487-2 Brief Contents Preface xxii 1 2 Introduction 1 What Is Organizational Behavior? 3 The Individual 2 3 4 5 6
Wednesday, May 13, 2020
Controlling Males in Brownings Porphyrias Lover and My Last Duchess The death of the female beloved is the only way deemed possible by the insecure, possessive male to seize her undivided attention. This beloved woman represents the reflector and guarantor of male identity. Hence, the male anxiety about the womans independence for her liberty puts his masculine self-estimation at risk (Maxwell 29). The jealous and controlling males in Robert Brownings Porphyrias Lover and My Last Duchess possess a fervent desire to fix and monopolize their unconstrained female beloveds. Due to a fear of death, both speakers attempt to achieve control and deny object loss; by turning their lovers (once subjects) into objects,Ã¢â¬ ¦show more contentÃ¢â¬ ¦Brownings romantic setting--Porphyria has come to [the lover] out of a world from which he is foreclosed--implies that her darling one wish was something comparable to: I want to be with you forever. The speaker misreads her comment in order to escape being a loved object to be abandoned again. He states that Po rphyrias feminine position is one far too weak to break the vainer ties in a world of which he cannot be a part of. Torn between passionate possession of her and inevitable abandonment, he has murdered her in order to turn her into a fetishistic object which can never leave (Ingersoll 154). The lover confirms that he is in control. He is the observer; she, the silenced object. Even God has not said a word! (60), rendered silent in the face of the narrating of this masterful subject (Ingersoll 154). Through the power of his monologue, this lover successfully defies God and remakes Porphyria into his own object of desire. Like Porphyrias lover, the murderer in My Last Duchess also demands control in his relationship with the Duchess. The Duke begins his speech by exposing the exquisite portrait of his former wife to an initially unidentified guest. To him, this object is his wife. The language he uses in relation to the portrait seems deliberately confused:Show MoreRelated Comparing the two poems PorphyriaÃ¢â¬â¢s Lover and My Last Duchess1371 Words Ã |Ã 6 PagesBy comparing the two poems PorphyriaÃ¢â¬â¢s Lover and My Last Duchess, explore how Browning deals worth the theme of jealousy. Jealousy is a theme that occurs quite regularly in BrowningÃ¢â¬â¢s poems. This was particularly noticed in both of the poems Ã¢â¬ËPorphyriaÃ¢â¬â¢s LoverÃ¢â¬â¢ and Ã¢â¬ËMy Last DuchessÃ¢â¬â¢ where in both cases, the male protagonists were jealous of the extra attention that their lovers received from other admirers. When studying both poems, the reader can create in their mind a vivid picture ofRead More Comparing the Male Characters of PorphyriaÃ¢â¬â¢s Lover and My Last Duchess1720 Words Ã |Ã 7 PagesComparing the Male Characters of PorphyriaÃ¢â¬â¢s Lover and My Last Duchess The creation of a plausible character within literature is one of the most difficult challenges to a writer, and development to a level at which the reader identifies with them can take a long time. However, through the masterful use of poetic devices and language Browning is able to create two living and breathing characters in sixty or less lines. When one examines these works one has to that they are quite the achievementsRead MoreEssay on A Comparison Between My Last Duchess and Porphyrias Lover2909 Words Ã |Ã 12 PagesA Comparison Between My Last Duchess and Porphyrias Lover Works Cited Missing Robert Browning was one of the greatest poets of the nineteenth century and is still considered one of the major poets of the Victorian era. He was born in 1812 and married the privately educated poet, Elizabeth Browning, in 1846. They eloped to Florence, Italy, where his wife gaveRead MoreWilliam Shakespeare s Sonnet 182829 Words Ã |Ã 12 PagesSonnet 18 too. Within My Last Duchess, love explores the submissive and possessive side effects of being completely infatuated, which similarly links with La Belle, however instead of patriarchal power, domination is shown through a woman. First Love is comparable to both Sonnets, in which love is portrayed passionately, presenting real love and the overwhelming feeling it can convey. Finally PorphyriaÃ¢â¬â¢s Lover portrays unrequited love with a sinister background alike My Last Duchess. CONTEXT, READER
Wednesday, May 6, 2020
[pic] Introduction Global warming is the observed increase in the average temperature of the EarthÃ¢â¬â¢s atmosphere and oceans in recent decades and its projected continuation. In principle, global warming is neutral as to the period or causes, but in both common and scientific usage the term generally refers to recent warming and implies a human influence. Most of the observed increase in globally averaged temperatures since the mid-20th century is very likely due to the observed increase in anthropogenic greenhouse gas concentrations, which leads to warming of the surface and lower atmosphere by increasing the greenhouse effect caused by gases which are released by activities such as the burning of fossil fuels, land clearing, and agriculture. We will write a custom essay sample on Global Warming: Effects and Impacts or any similar topic only for you Order Now The predicted effects of global warming for the environment and for human life are numerous and varied. The main effect is an increasing global average temperature. From this flow a variety of resulting effects, namely, rising sea levels, altered patterns of agriculture, increased extreme weather events, and the expansion of the range of tropical diseases. In some cases, the effects may already be occurring, although it is generally difficult to attribute specific natural phenomena to long-term global warming. Examples of projected climate changes include, significant slowing of the ocean circulation that transports warm water to the North Atlantic, large reductions in the Greenland and West Antarctic Ice Sheets, accelerated global warming due to carbon cycle feedbacks in the terrestrial biosphere, and releases of terrestrial carbon from permafrost regions and methane from hydrates in coastal sediments. Global warming controversy The global warming controversy is a debate about the causes of observed global warming since the mid-20th century, as well as the expected magnitude and consequences of future warming. A major part of the debate centers around what actions, if any, society should take in response to the prospect of future warming. Some of the main areas of controversy include: 1. Whether the climate is changing beyond natural variations in the historical temperature record 2. Whether human/industrial activity is responsible for the change and if so, to what extent 3. The effect of predicted depletion of fossil fuels, both individually as e. g. oil runs out and users turn to the higher polluting coal and overall as to whether there are sufficient available reserves to cause the more extreme climate change scenarios 4. The effectiveness of policies to reduce CO2 emissions 5. The size of future changes in climate 6. The regional effects of climate change 7. The consequences of climate change Among climate scientists there is little disagreement that global warming is primarily anthropogenic, but the debate continues in the popular media and on a policy level. Questions include whether there is a scientific consensus on the extent and rate of anthropogenic global warming, and in particular whether there is sufficient evidence to justify immediate and far-reaching actions to ameliorate its effects. Those who believe such a consensus exists express a wide range of opinions: some merely recognize the validity of the observed increases in temperature, while others support measures such as the Kyoto Protocol which are intended to reduce the magnitude of future global warming. Still others believe that environmental damage will be so severe that immediate steps must be taken to reduce carbon dioxide and methane emissions, even if the precise results are unknown, and even if there are substantial economic costs to doing so. One example of an attempt to force action is the Sierra Club suing the U. S. government over failure to raise automobile fuel efficiency standards, and thereby decrease carbon dioxide emissions. Most of the consequences of global warming would result from one of three physical changes: sea level rise, higher local temperatures, and changes in rainfall patterns. Sea level is generally expected to rise 50-200 cm in the next century. Erode recreational beaches 100-200 meters, exacerbate coastal flooding and increase the salinity of aquifers and estuaries. o enhance beneficial impacts, but will incur costs and will not prevent all damages. Extremes, variability, and rates of change are all key features in addressing vulnerability and adaptation to climate change, not simply changes in average climate conditions. Human and natural systems will to some degree adapt autonomously to climate change. Planned adaptation can supplement autonomous adaptation, though there are more options and gre ater possibility for offering incentives in the case of adaptation of human systems than in the case of adaptation to protect natural systems. Poorer nations The ability of human systems to adapt to and cope with climate change depends on such factors as wealth, technology, education, information, skills, infrastructure, access to resources, and management capabilities. There is potential for developed and developing countries to enhance and/or acquire adaptive capabilities. Populations and communities are highly variable in their endowments with these attributes, and the developing countries, particularly the least developed countries, are generally poorest in this regard. As a result, they have lesser capacity to adapt and are more vulnerable to climate change damages, just as they are more vulnerable to other stresses. This condition is most extreme among the poorest people. Historic adaptation Some of those who argue for adaptation to global warming do so with the perspective that human civilization has proven to be highly adaptable to climate change in the past and therefore will likely be able to adapt to climate change in the future. The counterargument to this perspective is that the costs of adaptation are much higher than in the past due to the greater investment in urban and industrial infrastructure. In the past, cities could be relocated largely by having the populace pack up their possessions on their backs, on pack animals or wagons and relocate. Modern cities the size of Bristol or Liverpool cannot be relocated easily even with the use of truck, air and rail transport. The damage suffered by New Orleans by hurricane Katrina provides some perspective as to the potential damage that can be caused by a rise in sea level. Far more technology and resources are available today. Our organizational and communication Adaptation mechanisms The following 9 fundamental principles can be considered when designing adaptation policy. 1. The effects of climate change vary by region. 2. The effects of climate change may vary across demographic groups. 3. Climate change poses both risks and opportunities. 4. The effects of climate change must be considered in the context of multiple stressors and factors, which may be as important to the design of adaptive responses as the sensitivity of the change. 5. Adaptation comes at a cost. 6. Adaptive responses vary in effectiveness, as demonstrated by current efforts to cope with climate variability. 7. The systemic nature of climate impacts complicates the development of adaptation policy. 8. Mal-adaptation can result in negative effects that are as serious as the climate-induced effects that are being avoided. 9. Many opportunities for adaptation make sense whether or not the effects of climate change are realized. Methods of adaptation Agricultural production Agriculture of any kind is strongly influenced by the availability of water. Climate change will modify rainfall, evaporation, runoff, and soil moisture storage. Changes in total seasonal precipitation or in its pattern of variability are both important. The occurrence of moisture stress during flowering, pollination, and grain-filling is harmful to most crops and particularly so to corn, soybeans, and wheat. Increased evaporation from the soil and accelerated transpiration in the plants themselves will cause moisture stress; as a result there will be a need to develop crop varieties with greater drought tolerance. The demand for water for irrigation is projected to rise in a warmer climate, bringing increased competition between agricultureÃ¢â¬âalready the largest consumer of water resources in semiarid regionsÃ¢â¬âand urban as well as industrial users. Falling water tables and the resulting increase in the energy needed to pump water will make the practice of irrigation more expensive, particularly when with drier conditions more water will be required per acre. Crop development models In order to further study effects of global warming on agriculture, other ypes of models, such as crop development models, yield prediction, quantities of water or fertilizer consumed, can be used. Such models condense the knowledge accumulated of the climate, soil, and effects observed of the results of various agricultural practices. They thus could make it possible to test strategies of adaptation to modifications of the environment. Because these models are necessarily simplifying natural conditions ( often based on the assumption that weeds, disease and insect pests are controlled), it is not clear whether the results they give will have an in-field reality. However, some results are partly validated with an increasing number of experimental results. Other models, such as insect and disease development models based on climate projections are also used (for example simulation of aphid reproduction or septoria (cereal fungal disease) development). Urban areas One strategy involves adapting urban areas to increasingly severe storms by increasing domestic, unpaved gardens etc and increasing the capacity of storm water systems (and also separating storm water from black water so that overflows in peak periods do not contaminate rivers). Weather Control Also there are methods like seeding of the sulphur in the clouds to have rain when it is required. The control can be better enhanced by adopting genetical methods of agriculture, green roofs in urban areas etc where the fewer fertilizers and less water is used and at the same time the food production is increased thereby increasing the greenery and thus bettering the CO2 sink capacity. Conclusion As discussed in the paper we will like to again focus on the importance of adaptation to global warming as a very strong factor. It is essential that the mitigation efforts continue towards solving the problem but for practical purposes we all very well know that it alone can never accomplish this feat even if it had very large financial resources at its behest. So the best way to survive in nature is to accept it since Charles Darwin rightly said that itÃ¢â¬â¢s only the fittest and most adaptable whom the nature will select to stay along with. Hence it will be good if we understand the fact that its we who need to adapt to the nature, much sooner than later rather than expecting the reverse by putting in huge sums of money in terms of technological measures. How to cite Global Warming: Effects and Impacts, Papers
Tuesday, May 5, 2020
Question: Discuss about the Allen Stanford Ponzi Scheme. Answer: Introduction Ponzi scheme started back in 1919 when Charles Ponzi tried to take advantage of existing arbitrage in the price of International Postal Reply Coupon between Spain and the United States. Ponzi scheme is a type of investment fraud where the illusion is created for solvency of the company by paying off the early investors with the money collected from the fresh investors and the loop continues (Holder 2016). The organizers of Ponzi scheme attract the fresh investors by promising high returns with no or little risk (Frankel 2012). The focus of Ponzi scheme is to keep creating new investors. This gives a loose end to the scheme. There must be a continuous flow of new investors and money to keep the trust of early investors by paying them off their expected return, and if it fails then the entire, Ponzi scheme collapses (Sheffrin 2013). The two main reasons can be identified for an unsuccessful Ponzi scheme: first if no new investors are created and second if large numbers of early investors ask for liquidation or back-out from the scheme (Will 2012). The scheme is highlighted with the recent fraudulent activities in U.S.A., especially in case if Allen Stanford. Background of Allen Stanford Allen Stanford was born in Mexia, Texas on 24 March 1950. He completed his BA degree in Finance from Baylor University in Waco, Texas. Allens father and grandfather together established the Stanford Financial in 1932, which was later on taken over by Allen himself. Allen got a bright opportunity in 1983 when there was a Texas oil bubble burst. There was a sudden decline in the house prices by approx. 22% in Houston (Rushe 2012). Allen took advantage of this situation and bought real estate at cheaper rates from the banks that needed liquidity. In fact, Stanford Financial was the only company to buy real estate during this declining phase. Over the period of 10 years, the economy recovered and Allen made huge money with those real estates. This gave a massive capital improvement to the company and from there Allen took on the path of fraudulent activities (Mullenix 2013). Stanford Group Company, subsidiary of Stanford Financial Group was established in 1995 and was registered under Securities and Exchange Board (SEB) as a broker-dealer and investment advisor. The company pursued the investors to sell Certificate of Deposits (CDs) in Stanford International Bank with a guarantee that the U.S. securities have insured these CDs. However, none of the CDs was insured. The investors, if asked for any details, were manipulated and misguided by Stanford. He promised the investors of greater returns with no risk. The most astonishing part of this scheme is that despite several warnings the authorities did not take any major step and turned blindfolded (West 2014). U.S. Regulatory and Allen Stanford The $7 billion fraud by Allen Stanford has been hinted to the government much earlier than it was actually taken into account. Allen was able to survive so long without any interference from the regulatory authority as he had invested in the regulatory protection, thus, he was never questioned as to how he could pay such huge dividends, even though it raised high suspicion. The Securities and Exchange Commission (SEC) has been give four warning regarding the suspicious activity in the Stanford Financial Group; however, the investigation never took place (Deason, Rajgopal and Waymire 2015.). The SEC gave various reasons for not conducting the investigation. The main reasons are as- the complexity of the case, other cases that were of high priority and lack of experienced officials to conduct such big and time-consuming case (Andrew Alderson 2017). The enforcement director of SEC, Spencer Barasch was in full support of Allen Stanford. He discouraged or terminated all the cases related to Stanford that came to SEC. In addition, he once asked Stanford if there is anything wrong and just relied on the verbal comment and closed the case without further investigation (Forbes.com 2017). However, he denies such accusations now, but the facts cannot be overlooked. These drawbacks in the regulatory system helped Stanford to carry on with huge fraudulent activities for such a long period. On 15 January 2012, U.S Justice Department charged Barasch for blocking the investigation of Stanford thrice and made him pay $50000 as fine (Forbes.com 2017). Business culture of Allen Stanford SEC has accused Stanford of misguiding and manipulating investors by saying that the CDs are insured and is being invested in the risk free securities whereas the same has been invested in the real estate and non-liquid equity. The point to note is that the money was indeed invested. Stanford adopted the advertising policy where it was clearly mentioned that the investments made by the investors would be invested in an alternative investments. This advertisement is nowhere deceiving in nature (Ibrahim 2017). It may so happen that the liquid investment converts into the frozen one in few years. In addition, the higher rate of interest on CDs guaranteed by Allen Stanford cannot raise much suspicion as even banks as Citibank offers a guaranteed rate of interest on CDs. The only difference that exists is in case of decline in the investment, where the investors of Citibank get their guaranteed return from the government but investors of Stanford did not have such backup (Forbes.com 2017) . These policies of Allen Stanford helped him run his fraudulent activities without any suspicion. Moreover, not just the investors, even the worker or employees of Stanford Financial Group were unaware of the fraud existing in the company (Adelmann 2017). Allen Stanford made them believe that the investment in genuine. This was his biggest victory as if the employees cannot sense the fraud, there was no scope for the investors would do so. In the interview with the Forbes, many employees agreed of their unawareness about the fraud practices. However, they believed that there was something secretive about Allen Stanford but that never raised a suspicion of fraud among the employees (Forbes.com 2017). Some of the illegal practices that were followed by the Stanford that kept him continue with the fraud are as: He prohibited the financial advisors from filing of the mandatory security form for those clients that had IRA accounts having the CDs of Stanford International Bank. He never informed the IRA account holders about the criminal and civil penalties that can bestow on them for non-filling of of mandatory security form. He violated the FINRA (Financial Industry Regulatory Authority) as he misleads the potential investors by purposely overstating the individuals asset value. He destroyed all the electronic data during the SEC investigation to cover his fraud. Exposure of Allen Stanford The following are the reasons for the detection of Stanfords fraud Returns that were too good to consider true The failure of government to detect the Madoffs Ponzi scheme created an alarming situation. The government was more alarmed towards any investment scheme that offered a good interest on a constant basis. The fact that Stanford was registered both as broker dealer and investment advisor with the Antiguan Bank offering high rate of interest without any significant risk was too good to believe for anyone. This was similar to the one of the biggest Ponzi scheme fraud by Madoff. Therefore, SEC finally conducted an investigation on Stanford and presented him before the court (Hauge 2014). Complex Structure of Investment The four investigations that were manipulated by the enforcement officer of the SEC were held on 1997, 1998, 2002 and 2004. Even though the results were manipulated and hidden from the government, each of them concluded the same thing that in no circumstances the return offered by Stanford can be earned from normal investment scheme (Stecklow 2017). This was similar to the previous instances of Ponzi scheme and fraudulent activities. In 2005, the leadership of SEC changed and the investigation against Stanford was reopened. SEC challenged Stanford in court after the confession of Bernie Madoff and thus the Ponzi scheme collapsed (Sher 2016). Legal proceedings of Allen Stanford The case of Allen Stanford involves big scandal and fraud of $7 billion and thus there were many legal proceedings on the case. In 2012, Allen Stanford was convicted for practicing the Ponzi scheme since last 20 years. Stanford was sentenced for an imprisonment of 110 years. The court also claimed that the 29 financial accounts that was located abroad having total net worth of $330 million were fraud and were forfeited(Justice.gov 2017). Even though the sentence has been given, this case is an open case. Allen Stanford has filed a petition on the Supreme Court to challenge the decision. However, the Supreme Court has denied the petition of Stanford and the sentence of 2012 still beholds. Stanford has given a 299 pages brief description stating fifteen reasons to set him free. Stanford argues that the company did not do any fraud and it was because of the government that the prestige of Stanford Financial Group was destroyed and the value of company went down. The lawyers on behalf of Stanford claims that Stanford had been received the returns on the investment of the investors but the accusation of SEC had made the investors to lose faith on the company that resulted in the collapse of entire business (Justice.gov 2017). The claims made by Stanford are not considered true. All the victims who have invested in the company by having a good faith on Stanford have not received any thing in return and are facing severe losses. Thus, the appeals made by Stanford are in no ways justified. This is the reason even the Supreme Court denies the plea of Stanford to reconsider his sentence. Ever since the scandal of Stanford had been detected in the year 2009, approx 176 investors died due to the immense loss they suffered. It was disclosed that the CDs issued by Stanford was not secured and neither was it invested in any liquid securities as conveyed to the investors. The investors money were invested in the real estate for the own benefits of Stanford. The loss of investors have not yet been recovered and they have got only 1 penny for every 1 $ invested by the investors, that shows the intensity of the loss suffered due to Stanfords fraudulent activities. Stanfords victims are eagerly waiting for the court to finally close the case and take strict actions against Stanford and recovery of their investment. This grief of the investors is a proof of the fraud by Stanford and justifies the fact that the claims made by Stanford are baseless and cannot be hold good (Liptak 2017. Conclusion Allen Stanford has given the second biggest Ponzi scheme fraud by making 30000 investors to invest in the CDs offered by him and involving a fraud of $7 billion. This fraud is considered one of the worst till date as it includes so many investors and the recovery of each investors has only been a penny of every dollar invested. The cash crunch and decline in asset value of Stanford Financial Group has affected the ultimate recovery of investors money. This loss suffered could have been control had this fraud been detected early. The Ponzi scheme has a very similar nature is all situations so there must be a strict regulations to check any suspicious activities that hints toward such fraudulent activities. This huge fraud has shown the position of regulatory authority and created an alarming situation for them to stop any such upcoming fraud. It has become important to have s strict check on any kind of suspicious investment scheme and take appropriate actions. It is also important to take a fast decisions in matter related to such big frauds. The proceeding of Stanford has been going on since long time and the case is still open. The judiciary system should be stronger to take necessary actions on a fast track basis to prevent loss of economy in the future. Not only this, but also the awareness is to be created among the investors so that they do not make investment in such fraudulent scheme and are much more careful regarding any other investment plans. References Adelmann, B. (2017).Allen Stanfords Ponzi Scheme a Study on Regulatory Capture. [online] Thenewamerican.com. Available at: https://www.thenewamerican.com/usnews/crime/item/7595-allen-stanford-s-ponzi-scheme-a-study-on-regulatory-capture [Accessed 10 Jan. 2017]. Andrew Alderson, a. (2017).Sir Allen Stanford: how the small-town Texas boy evaded scrutiny to become a big-time 'fraudster'. [online] Telegraph.co.uk. Available at: https://www.telegraph.co.uk/finance/financetopics/sir-allen-stanford/4742924/Sir-Allen-Stanford-how-the-small-town-Texas-boy-evaded-scrutiny-to-become-a-big-time-fraudster.html [Accessed 10 Jan. 2017]. Deason, S., Rajgopal, S. and Waymire, G.B., 2015. Who gets swindled in Ponzi schemes?.Available at SSRN 2586490. Forbes.com. (2017). Forbes Welcome. [online] Available at: https://www.forbes.com/sites/johnwasik/2012/03/07/stanfords-ponzi-scam-the-system-is-still-broken/#52d3bb4b14c9 [Accessed 10 Jan. 2017]. Forbes.com. (2017).Forbes Welcome. [online] Available at: https://www.forbes.com/sites/nathanvardi/2012/06/15/allen-stanford-spain-jamie-dimon-and-the-power-of-deposit-insurance/#22e842e473a [Accessed 10 Jan. 2017]. Forbes.com. (2017).Forbes Welcome. [online] Available at: https://www.forbes.com/sites/nathanvardi/2012/03/06/allen-stanford-convicted-in-7-billion-ponzi-scheme/#5e17d6ba2b08 [Accessed 10 Jan. 2017]. Frankel, T., 2012.The Ponzi scheme puzzle: A history and analysis of con artists and victims. Oxford University Press. Hague, D.R., 2014. Expanding the Ponzi Scheme Presumption.DePaul L. Rev.,64, p.867. Holder, F., 2016.Integrity in Business: Developing Ethical Behavior Across Cultures and Jurisdictions. CRC Press. Ibrahim, J. (2017).Allen Stanford: Descent from Billionaire to Inmate # 35017-183. [online] CNBC. Available at: https://www.cnbc.com/id/49276842 [Accessed 10 Jan. 2017]. Justice.gov. (2017).PENDING CRIMINAL DIVISION CASES | CRIMINAL-VNS | Department of Justice. [online] Available at: https://www.justice.gov/criminal-vns/case/stanfordr [Accessed 10 Jan. 2017]. Liptak, A. (2017).Supreme Court Permits Investor Lawsuits in Stanford Fraud. [online] Nytimes.com. Available at: https://www.nytimes.com/2014/02/27/us/politics/supreme-court-permits-investor-lawsuits-in-stanford-fraud.html?rref=collection%2Ftimestopic%2FStanford%2C%20Robert%20Allen_r=0 [Accessed 14 Jan. 2017]. Mullenix, L.S., 2013. The $7 Billion Stanford Ponzi Scheme: Class Litigation Against Third-Party Actors Under the Securities Litigation Uniform Standards Act. Rushe, D., 2012. Allen Stanford guilty of $7 bn Ponzi scheme.The Guardian. Sheffrin, S.M., 2013. Restitution for Ponzi Scheme Victims: The Symbiotic Relationship of Tax and Securities Laws. Sher, Y., 2016.Branding in Ponzi investment schemes(Doctoral dissertation, The IIE). Stecklow, S. (2017). Hard Sell Drove Stanford's Rise and Fall. [online] WSJ. Available at: https://www.wsj.com/articles/SB123871796188984821 [Accessed 10 Jan. 2017]. West, H., 2014. Ponzi Scheme. Will, S., 2012. Americas ponzi culture.How they got away with it: White collar criminals and the financial meltdown, pp.45-67.