The Medias Role in the Escalation of Palmer Raids and the Red Scare in

Newspapers are supposed to give us an unbiased factual report of important events, but that isn’t always the case.   Newspapers can make certain events seem more important and more consequential than other events.   This happened during the Palmer Raids of the early 1920’s.   Newspapers made the Palmer Raids more prevalent and Anti-Communist feelings stronger among the American public during the 1920’s. To understand how the media escalated the Red Scare and Palmer Raids it helps to have a brief history of them.   After World War I there was a Red Scare among many Americans.   There are many explanations for this: rampant inflation, a tough job market, strikes, race riots, and the public’s need for a scapegoat (Duminel 218).   When Attorney General A. Mitchell Palmer’s home was bombed he immediately believed it was the Communists and went after all of them.   In November of 1919, and December of 1920 the U.S. Department of Justice under Palmer’s direction conducted raids in a number of prominent cities (Remelgas 3).   Many persons were arrested without warrants, and without being given proper rights.   Over five thousand people were arrested, and a total of two hundred and forty nine people were deported (Remelgas 4).   After these raids and unlawful arrests, Palmer was called before the House Rules Committee and Senate Judiciary Committee and conv icted of using Government funds in an improper way causing the end of the first Red Scare. In journalism there are certain standards used to draw attention to certain articles.   Alexandra Remelgas states: The standards of responsible journalism are useful in examining the press coverage of the Palmer Raids.   Standards of responsible journalism are limited by the selection of and emphas... ..., Edward A.   â€Å"Heaven On Earth.†Ã‚   Detroit Free Press Magazine 11 Jan. 1920: 2 Hoyt, Edwin.   The Palmer Raids, 1919-1920 An Attempt to Suppress Dissent. New York:   The Seabury Press. Murray, Robert. Red Scare: A Study In National Hysteria, 1919-1920. Minnesota: North   Central Publishing, 1955. â€Å"Reds Plotted Country Wide Strike Arrests Exceeded 5,000, 2,635 Held; 3 Transports Ready For Them† New York Times 4 Jan 1920: 1 Remelgas, Alexandra. â€Å"News Reporting And Editorial Interpretation Of The Palmer Raids 1919-1920 By Three Detroit Newspapers: A Study† Thesis For Degree Of M.A. MSU, 1970,       Shulam, Alix.   To the Barricades: The anarchist Life Of Emma Goldman. New York.  Ã‚   Thomas and Crowell Company, 1971. Who Built America, v. II. â€Å"Between to Wars – The Palmer Raids.† CD Rom. 25 January  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   2000.   http://chnm.gmu.edu/courses/hist409/red.html   

Mobilization of Deposits

Topic: â€Å"Mobilization of deposits in banking system of Pakistan† Submitted to: Ma’am Bushra Submitted by: Muhammad Mumtaz (09-arid-929) Tayyab Sultan (08-arid-387) Muhammad Sohail Zafar (09-arid-934) Farhan Ahmed (08-arid-402) ACKNOWLEDGEMENT Thanks to Almighty ALLAH who had made us able to complete this project with the true knowledge. Special thanks are due to our respected teacher Ma’am Bushra Zulfiqar who have shown us the right way to go for our project to success and enlightened our mind with the tips and guidance to think creatively.We are thankful to our friends, who help us a lot during this course of project. Table of content: 1) Deposit——————————————————————————-4 2) Current Accounts——————————— ———————————-4 3) HBL Freedom Account————————————————————4 4) HBL Business ValueAccount—————————————————-4 5) Term Accounts———————————————————————-5 6) HBL Advantage Account———————————————————-5 7) Investment Plus Deposit————————— —————————â €”–5 8) Savings Accounts————————————————– —————–5 9) PLS – Savings Account————————————————————-6 10) Remittance Munafa Plus Savings Account—————————————6 11) Foreign Currency Accounts———————————————————7 12) Mobilization of deposits————————————————————-8 13) HBL Car Loan—————â⠂¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€ ——————8 14) HBL Car To Car———————————————————————–9 15) HBL Credit Card———————————————————————10 16) HBL Home Loan———————————————————————11 17) HBL INVESTMENT BANKING———————————– ————–13 18) HBL Zarai Banking————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€14 19) MCB Islamic banking——————————————————- ——–17 20) Al-Makhraj Saving Account————————————————— —–17 21) IANAT Account———————————————————————–18 22) Al Makhraj Term Deposit————————————————————20 23) Ijarah———————†”————————————————————20 24) Murabahah——————————————————————– ———-21 25) Diminishing Musharika Equipment————————————————-21 Abstract: Banks generally adopt following strategies to mobilize their Deposits in two categories 1-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Demand Deposits which are payable to the owner on demand i. e Savings Accounts Current Account etc. 2-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Time Deposits.These are Fixed Deposit for various tenors ranging from month to 10 years and are payable at maturity. * Banks accept Deposits from institutions like Government institution s, public ltd and Private limited companies and Trusts etc. * Banks accept Deposits from general public by launching various Deposit schemes catering the needs of every segment of society and offer attractive Profit rates on these schemes. * For example HBL offers HBL Money club Account to kids up to the age of 18 and offer ATM Card (with restricted Limit) and attractive Profit Rates up to 7. 55% to attract the youngsters who will subsequently prefer to maintain their Account with HBL till life time. For Businessmen who frequently transfer money to and from their Accounts to make their business payments HBL offers Freedom Account in which they can make Drafts of unlimited Number and amount and free online funds transfer by maintaining minimum daily balance of Rs. 25,000. 00/- only. This strategy attracts huge numbers of businessmen to HBL which has competitive advantage of largest Network of branches in every city of Pakistan with online facility. * For customers mostly businessmen who want profit on daily basis HBL Offers HBL Daily Progressive Account on which profit is calculated on daily basis and credited into customers Accounts at month end. * Similarly to encourage the remittances by expatriates through banking channels HBL offers RMPA Remittance Plus Munafa Accounts. * HBL mobilizes its deposits in the form of investments in projects and give loan to corporations as well as to the consumer.HABIB BANK LIMITED: DEPOSITS: There are different types of deposits account. Current Accounts: Make unlimited transactions while maintaining a low minimum balance every month. Current Account of HBL: * Minimum balance of Rs. 5,000 * Unlimited transactions * Non-profit bearing * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Funds transfer to any bank through HBL Phone Banking Basic Banking Account (BBA): * Can be opened with only Rs. 1,000 * No minimum balance requirement * Up to 2 withdrawal and 2 deposit transactions free every month * Unlimi ted withdrawals through HBL Debit Card * Non-profit bearing HBL Freedom Account:Use your money as you please with HBL Freedom Account. Rest free from worries and expand your business with unmatched accessibility. HBL Business Value Account: * No minimum balance requirement * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Unique transactional account for Businessmen * Up to 10 Bankers Cheques free (at minimum balance of Rs. 500,000) * Profit calculated daily, paid every quarter * Up to 5. 35% profit per annum * Funds transfer to any bank through HBL Phone Banking. * Nominal monthly maintenance charge of Rs. 50 Term Accounts: Invest your savings in our term deposits for a fixed duration and earn profit while keeping your savings secure.HBL Advantage Account: | | |   | | | | | | | | | Term| Profit per annum| 1 Year | | 12. 00%| | 3 Year | | 14. 00%| | 5 Year | | 15. 00%| | 10 Year | | 18. 00%| | | | |   | †¢ | Multiple options for tenure and profit payo ut. | †¢| Loan facility up to 90% of investment. | †¢| Minimum investment of Rs. 25,000. | †¢| Withdrawal at end of fixed term. | Investment Plus Deposit: * Profit paid at maturity * Minimum investment of Rs. 20 million| * Multiple options for tenure and profit payout| * Withdrawal at end of fixed term * Account for Institutions| Savings Accounts: Avail the flexibility of making transactions while earning profit on daily/monthly basis.HBL Value Account: * 7. 19% profit per annum| * Profit calculated monthly, paid every quarter| * Deposit ranges from Rs. 10,000 to Rs. 1,000,000| * Two withdrawals free every month| PLS – Savings Account: * 5. 06% profit per annum| * Profit paid bi-annually| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| * Unlimited transactions| Remittance Munafa plus Savings Account: * Special account for receiving foreign remittance s| * 5. 12% profit per annum| * Profit paid every month| * Minimum balance of Rs. 20,000| Daily Munafa Account: Profit calculated daily, paid every month| * Up to 8. 84% profit per annum| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Daily Progressive Account: * Unique transactional account for Institutions| * Profit calculated daily, paid every month| * Up to 11. 57% profit per annum| * Inter Branch Transaction System (IBTS) facility| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Foreign Currency Accounts: HBL offers Foreign Currency Accounts in multiple currencies as savings and term accounts. FC-SB: Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)| * Tiered product, with rates depending on choice of currency| * To earn profit, minimum balance should be 1000 USD, EUR or GBP| * Interest is payable on a quarterly basis| HYFFD (High Yield Foreign Currency Fixed Deposit): * Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR | * Tiered product, with rates depending on choice of currency and term| * Profit paid on maturity only. | Mobilization of deposits: HBL CAR LOAN: HBL CarLoan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a car you always wanted. Features: * Choice of used, new local/imported and reconditioned imported car. * Repayment options ranging upto 7 years. | * Up to 85% of financing for the car of your choice. | * Insurance at all times for complete peace of mind and security. | * Round the clock support available through HBL Phone Banking you can place your requests and queries, track the status of your repayment/loan account and avail other value-added services through HBL Phone Banking. | Eligibility criteria: | Salaried Individuals | Self-Employ ed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Salaried Individuals | †¢ | Copy of CNIC | | 2 recent passport size photographs| †¢| Latest original salary slip and personal bank statement for last 3 months| | Self-Employed Business persons/Professionals| †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| | HBL Car To Car:| HBL Car To Car is a revolutionary car financing offer. It makes the car of your choice affordable and practical with a buy back guarantee. HBL CarToCar offers matchless features and unique options at the end of the lease. Now you can drive a new car at the end of every two years. Features: Affordability:With HBL Car To Car, you only have to pay the difference between the car price and the pre-agreed residual value to the bank. As a result, the monthly installment may even be 40% to 50% less than that of conventional financing Upgrade of lifestyle: HBL gives you the guarantee that if you wish to return the car to us at the end of the lease term, you will not have to pay off the car’s residual value. Instead, we will directly settle this outstanding liability for you under the buy back guarantee. Hence, you can upgrade to a new car as frequently as two years* without any complication and hassle. Pay only for what you use:When you lease a car under HBL Car To Car, you only pay for that part of the car’s value that you use during the lease term.The car’s residual value* (forecasted for the end of the specific lease term) is agreed with you at the start of the lease term. This amount is deducted from the car price thus lowering the finance amount. This finance amount is based only on a part of the car’s value and not the full value of the car. Therefore, HBL CarToCar offers very low installments as compared to any conventional financing. |   | .| Flexibility| | HBL Car To Car offers you several choices at the end of the lease term:| * Upgrade – Simply return the car to HBL and drive a new one home | | * Walk away – Return the car to HBL and end the lease| | * Buy – Keep the same car.Just make a one-time settlement of the car’s residual value to HBL or pay the same in easy installments over a specified extended period of time| | * Sell – Enjoy the gain from selling off the car at a higher price in the market than what you ay HBL as the residual value| Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Self-Employed Business persons/Professionals †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| Salaried Individuals | †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| | Latest original salary slip and personal bank statement for last 3 months| | | | HBL Credit Card:| Welcome to a world of convenience and flexibility. Accepted at over 29 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. So make the most of your shopping experience. Gold Card|   | Green Card| Rupees| Minimum gross salary requirements| Rupees| 50,000| | Salaried individuals| 15,000| | 180,000| | Self-employed business persons/professionals| 25,000| | | Rupees| Credit limit range| Rupees| 150,000| | Minimum| 20,000| | 500,000| | Maximum| | | | HBL Home Loan:| HBL Home Loan offers financing options to purchase a new house or renovate an existing house.Outright purchase: The outright purchase loan option provides financing for buying a new house. Home im provement: Home-improvement loan option provides financing for renovating your house. Outright Purchase| Descriptors| Home Improvement/ Renovation | 3 years to 20 years| Loan tenure| 3 years to 20 years| Rs. 300,000 – Rs. 15,000,000| | Loan amount| Rs. 300,000 – Rs. 5,000,000| | 85%| | Maximum financing amount (as % of appraised value of the property)| 70%| | 5 years| Property lease (years remaining at the time of loan maturity) | 5 years| Borne by the Bank| | Property insurance| Borne by the Bank| | Primary applicant and co-borrower| | Life insurance through HBL by the insurance company on HBL panel)| Primary applicant and co-borrower| | Eligibility criteria: | Salaried Individuals| Self-Employed Business Persons/ Professionals| Nationality | Pakistani (resident) | Pakistani (resident) | Age criteria of the main applicant and co-borrower whose income is being clubbed (spouse only)| | Permanent employees Minimum age at the time of loan application should be 21 years. M aximum age at the time of loan maturity should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years | Minimum age at the time of loan application should be 21 years.Maximum age at the time of loan maturity should be 65 years. | | Length of Employment| | Permanent employees Minimum 1 year experience; 6 months experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. | Minimum 2 years experience in personal business| | | Documentation:| Salaried Individuals| | * CNIC copy * 2 passport size photographs * Letter from employer * 2 latest salary slips or salary certificate * Bank statement for last 6 months and bank letter confirming details of account * Copies of property documents| | Self-Employed Business Persons/ Professionals| CNIC copy * 2 passport size photographs * Proprietorship : Bank Certificate / Latest Tax Assessment Order * Latest one year bank statement * Partnership Deed * Registered Form C * Memorandum, Article of association and registered Form 29 A (applies to company directors) * Copies of property documentsSchedule of bank charges: Application processing charges (including 16% FED)| Rs. 7,000/- (non-refundable)| Early settlement charges | 4. 7% of outstanding principal | Partial payment charges | 4. 7% of adjusted principal | Late payment charges | Rs. 700 (for each late payment) | Property evaluation fee | Actual cost plus 16% FED to be recovered | Legal fee | Actual cost plus 16% FED to be recovered | | HBL INVESTMENT BANKING: HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers.The Investment Banking Group functions in t hree specialist business areas: Project Finance, Debt Capital Markets & Syndications and Equity Capital Markets & Advisory. Project finance: The bulk of HBL’s project finance practice revolves around the power sector. Prior to the power policy of 2002, HBL actively pioneered Project Finance in Pakistan through the funding of a gas-fired co-generation plant (94 Megawatts of power and desalination of 3 million gallons per day). Subsequent to the 2002 power policy, HBL continues to play a fervent role in the sector and is the only Investment Bank that was Lead Advisor to all IPP transactions that achieved financial close.In the fertilizer sector, HBL financed the largest local currency financing in Pakistan, worth PKR 23 billion, as well as a green field venture in the telecom sector worth PKR 12 billion. Debt Capital Markets & Syndications: Depending on the requirements of its customers, HBL offers a variety of products, including syndications, securitizations, privately placed and listed TFCs, term finance facilities, commercial papers, etc. HBL played the lead role in a number of significant debt transactions, including PKR 15. 14 billion TFC issue (the largest privately placed issue in Pakistan), the first bond offering for any microfinance institution in all of Asia, credit enhancement for a rapidly growing company in the consumer durables sector and numerous tier-2 capital transactions for commercial banks. Equity & Advisory:HBL offers a breadth of equity and advisory products including innovative capital raising techniques, restructurings, public and private equity placements and mergers & acquisitions. The HBL team played a pivotal role across several sectors, including energy, agriculture, consumer products, fertilizers, etc. , for raising various forms of equity and quasi-equity. Recently, HBL structured a convertible debt note with a built-in Put feature for a US-based provider of agriculture technology and dairy solutions – a first of it s kind transaction in Pakistan. HBL also provides valuation for a company in the food and beverages sector. HBL ZaraiBanking:HBL ZaraiBanking facilities are spread across the country and provide financing through more than 800 of our branches. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL ZaraiBanking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country. Products: HBL ZaraiBanking enables farmers to invest in premier quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. Crop Inputs: Crop specific finance for purchase of Agri inputs such as seed, fertilizer, pesticide and other related inputs. Farm Implements:Finance available for purchase of farm implements & machinery like combined harvester, sprayers, ploughs, tube wells and other crop-related tools/implements. Tractors/Agricultural Vehicles: Finance available to individual farmers, self-employed tractor operators, providing the option to select vehicles from a range of different manufacturers. Livestock: Finance available for feed, medicines, raw material, raising charges and other related activities. Poultry: Finance available for all poultry related activities including poultry farm construction/equipment, hatchery plant & machinery, poultry feed, poultry medicines, composite feed production, poultry processing and other related activities. Fish Farming: Finance available for inland fish farms as well as deep-sea fishing.This includes procurement of boat, fish locating equipment, nets & ropes, ice maker, fish farm water solution, hatchery construction/equipment, purchase of medicines / feed and other related activities. Group Lending: Joint finance facility for a group of farmers with small land holdings for working capital requirement. MC B Islamic banking Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of time, has developed sufficient expertise, necessary infrastructure, information technology, and manpower to run Islamic Banking Operations and offer Islamic Banking Products. Mission statement: To play a dynamic role in promotion of Islamic Banking and win customers trust by providing sharia compliant financial services. Vision:To become a leader among Islamic Banks of the country in the coming years capturing major share of the domestic Islamic financial market. Al-Makhraj Saving Account: The minimum deposit requirement for Al-Makhraj Saving Account is only Rs. 5000 and profits can be earned 6-monthly. Other features associated with this product are as follows: Minimum Initial Deposit: Rs. 5000 Islamic Tools used in designing the product: Mudaraba/ Musharaka Product to be availed by: Individuals & Joint Account Holders (Local) Companies, Corporate, Trusts, etc Special A dvantages: For Customer = Bi-Annual Profit Payment; Withdrawal Facility Shariah = Meets requirements for Shariah Compliance Additional Features: | * Personalized Cheque books| * Withdrawal Facility from ATM/ Debit Card| | * Online deposit as per bank's policy| | * Virtual Banking| | * Call Centers Facilities| | * 6-monthly profit payment on the basis of monthly declared rates| | * Issuance of duplicate statement of account (as per SOBC)| | * Free bank balance certificates (once in 6 months)| | * Taking stop payment/ hold mail/ standing instructions| | * No penalty if balance falls below minimum level. | | * Personal financial consultancy services (regarding Shariah Compliant products)| | * Utility bill payment via ATM card| | * Choice of statement frequency (as per Schedule of Charges)| IANAT Account:For customers who are looking for a chequing account that gives them the ease of doing unrestricted number of transactions, we offer Al-Makhraj Ianat Account. With a minimum of only Rs. 10,000, Ianat Account may be opened. With all the features and facilities that this product offers, it is highly recommended for management of business funds. Details of the product are as follows:| | 1| Minimum Initial Deposit: Rs. 10,000| 2| Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| 3| Additional Features: | | A| Personalized Cheque books| | B| Withdrawal Facility from ATM/ Debit Card| | C| Online deposit as per bank's policy| D| Debit card; Utilities payment via ATM card| | E| Virtual Banking| | F| Call center facilities| | G| Free bank balance certificates (once in 6 months)|   | H| Taking stop payment/ hold mail/ standing instructions|   | I| Issuance of duplicate statement of account (as per Schedule of Charges)|   | J| Choice of statement frequency (as per Schedule of Charges)|   | K| No penalty if balance falls below minimum level. | 4| Banking Network: IBD's Branch only| | Al Makhraj Term Deposit: A mi nimum of Rs. 25,000 is required for investment in Al-Makhraj Term Deposit. Choice of tenors can be made from a list of options namely 1, 3 ; 6 months, 1 or 2years.Profit payment options available to customers are monthly, quarterly and/ or at maturity. Details of the product are as follows: * Minimum Deposit: Rs. 25,000| * Islamic Tools used in designing the product: Mudaraba/ Musharaka| * Tenors Available:1 mth, 3 mth, 6 mth, 1 yr or 2 yrs | * Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| * Special Advantages: | | * For Customers = Profit Payment Options customized to suit needs of customers; Minimum Deposit requirement’s lower than most banks so it is more accessible/ affordable for people | | * Shariah = Meets requirements for Shariah Compliance | | * Additional Features: | | * Call center facilities| * Taking hold mail/ standing instructions for profit payments etc| | * Personal financial consultancy services (re garding Shariah Compliant products)| Profit Sharing Ratio on Al-Makhraj Account: Profit Sharing Ratio on Al-Makhraj Riba-Free Savings ; Term Deposit   Accounts is: Rabbul Maal (Depositor)|   Ã‚  70%| Mudarib (Bank)|   Ã‚  30%| MCB offers 3 broad Islamic fund based facilities: * Ijarah * Mudarabah * Diminishing Musharika Equipment Ijarah: MCB’s Islamic Ijarah, analogous to the English term ‘leasing’, is based on the ‘Ijarah wa Iqtina’ concept which means the sale of the asset to the lessee (customer) after the Ijarah has matured. Under this scheme, MCB will be the owner of the asset, and you (lessee) will be given the asset to use

Road Safety Essay

The road safety essay is intended to warn about the danger that people can face on the roads. Moreover, this topic is considered as rather important and controversial because a lot of people die in accidents. The road safety essay refers not only to clarification of the issue and its aspects but also to developing measures for the safety increasing. The traffic security is considered to be one of the most important issues for maintaining the safety of the society. It includes a range of measures that should act to decline the number of fatalities and cases of injuries on the roads. What is more, the road safety determines the standards of living in all modern countries and depends on specific conditions of every state. As a result, the concept of road security is a complex problem that can be separated into different levels, which has particular aspects of the issue. First of all, it is important to list the main participants of the road traffic that in the majority of cases are perpetrators or victims of accidents. Hence, there are several typical road users that determine road safety: pedestrians cyclists bikers passengers drivers Secondly, it is crucial to understand that the road security issue is being solved not only by state authorities but also by various international organizations. Moreover, this question refers to the world problem of public health and injuries prevention. The researchers report that approximately 1.2 million people are killed and 50 million injured in road accidents. In the era of fast technological progress, the number of cars, motorbikes and the other types of transport increases from year to year influencing frequency of fatal occasions. As a result, providing citizens with a safety on the roads should be one of the most discussed questions by authorities to develop improvements to various state traffic programs. Speaking about perpetrators of road accidents, it is important to mention the leading cause of injuries cases such as inattention and negligence. Also, the higher level of safety can be reached by reducing the chances of the driver to make an error or pedestrian not to notice the danger. Moreover, traffic rules include appropriate measures that are designed to provide participants of the road traffic with safety. It could be such rules as proper usage of seat belts and airbags, application of various drivers assistance programs and crash avoidance equipment. Also, both drivers and pedestrians should follow safety measures while being participants of road traffic remembering that their lives depend on their actions. What is more, different aspects of administrative actions determine the level of road safety in the country. One of the most important roles has the police service in providing the appropriate conditions of the traffic. Police officers have to oversee situation on the roads in details taking into account different weather conditions and natural seasons of every separate country. In conclusion, it is possible to state that the road safety is one of the most important issues of maintaining the safety balance in the society. Furthermore, there is a range of controversial problems that make peoples concern and should become the priority for authorities because peoples lives are the main value for every country.

Faults in Todays Prison Systems - 528 Words

Prison’s were established a long time ago to try to put an end to the rapidly increasing crime rate, however over time we are seeing the effectiveness of the most prisons decreasing. As a result of this epidemic, prisons have a higher recidivism rate and over 40 percents are currently operating over maximum capacity (Holder.) Through different types of research, we are finding out that our prison systems are no longer effective and there is a serious need for improvement. The United States has only 5 percent of the world’s population, yet we incarcerate almost  ¼ of the worlds prisoners (Holder.) Since a time before people can even remember there have been different types of ways to make people pay for their wrongdoings. Prior to the 19th century, prisons kept criminals in their grasp until the full punishment was ensued. Many time these punishments involved public humiliation, physical pain, and emotional pain. This kind of tactic went on until it was discovered to be more or less ineffective. (Aging Inmates) The Quakers attempted to make a different approach to trying the â€Å"fix† people. They started to use the techniques of religious teachings and solitary confinement to try to turn people around for the better. All the these techniques were used with consideration of the crimes that has been committed. (Aging Inmates) During the Victorian Era, the use of extreme physical labor became very popular. Audiences would come and watch as criminals had to undergo extreme physicalShow MoreRelatedSummary Of Bring Back Flogging By Jeff Jacoby795 Words   |  4 PagesIn â €Å"Bring Back Flogging†, the author, Jeff Jacoby suggests that people should adopt some of the Puritans tactics to punish criminals instead of putting them in prison. In order to present his claim, Jacoby is based in the use of irony, logos, and ethos. 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People of all races and backgrounds have come for freedom and equality since the land was â€Å"discovered†. However, In Leonard Peltier’s Prison Writings: My Life Is My Sun Dance, he emphasizes the repulsive ways of the American Justice system and the desire the Native Americans have for that same freedom and equality in today’s society. In the novel, Peltier shows the American life that still suffers from the dilemma of racial inequality against Native Americans. He shines a lightRead MoreShould Juvenile Criminals Be Sentenced Like Adults?1650 Words   |  7 Pages Should Juvenile Criminals Be Sentenced Like Adults? In today’s world the Law and Order system has a lot of difficult decisions to make. One of the most controversial decision the system has to deal with is should juvenile criminals be sentenced like adults or not. The percentage of juvenile criminals sentenced in the adult prisons like adults have been rapidly increasing in most part of the world today. 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According to a children s systems advocate from the Mental Health Association of Southeastern Pennsylvania, â€Å"youths with histories of child abuse and neglect are grossly overrepresented among juvenile l ifers† (Goodin 1). Why is the government further punishing these children thatRead MoreEssay about America’s Prisons and Their Effects On Society1529 Words   |  7 Pagesinstances in which people are sent to prison that would be better served for community service, rehab, or some other form of punishment. Prison affects more than just the prisoner; the families, friends, employers, and communities of the incarcerated also pay a price. Prison as a punishment has its pros and cons; although it may be necessary for some, it can be harmful for those who would be better suited for alternative means of punishment. What are prisons for? This is a question that must beRead MoreWomen are being incarcerated in today’s prisons at an alarming rate. Unfortunately, disparities in1600 Words   |  7 Pagesincarcerated in today’s prisons at an alarming rate. Unfortunately, disparities in policies, women’s programs, and treatment options in the criminal justice system are virtually non-existent which are causing major problems with overcrowding, health issues, and drug abuse problems. It is no secret that the number one reason women are being incarcerated is due to a large rate in drug charge policies. The war on drugs has had a major impact on the lives of women in the criminal justice system. This policyRead MorePolice Brutality Of The United States1415 Words   |  6 Pagesenforcement in 2014, but in the United States ninety two times more people were killed than a country with nearly 1.4 billion people (Fairbanks). Within our police system in America, there are openings and loopholes that give liberty to police officers who either abuse their authority given to them or do not live up to ethical standards in today’s society. Police officers either make people feel safe or unsafe. That either depends on the person’s background history with police or hearing other’s storiesRead MoreEssay on Homelessness954 Words   |  4 Pages Homelessness nbsp;nbsp;nbsp;nbsp;nbsp;Homelessness as an issue in todays society is largely ignored. To many, the problem of homelessness is invisible or barely noticed. When these people do see the homeless it is found in the form of beggars who need to â€Å"pull themselves up by their bootstraps† or mentally ill people who â€Å"just cant help themselves†. In either case the central point remains; the homeless must be people who are incapable or unwilling to help themselves. After all, wouldnt

Essay Jane Austens Sense And Sensibility - 931 Words

Sense and Sensibility is a book that deals with many of lifes circumstances during the eightteen hundreds. Although it was written in the first person it can provide the reader with a detailed perspective on the lifestyle of the upper crust of society. However, in order to get a full sense of appreciation of this lifestyle the elements of the opposite group, the lower class, must be attained. By comparing the differences amongst lifestyles characteristics which differ between individuals of their respective groups can be explained, and more importantly be justified. The Dashwoods are undoubtedly not of the lower crust of society, instead they were of the upper middle†¦show more content†¦Likewise, all the outlaying suburbs and regions grew. The main industries of that time were textiles and mining. As for the textile industries, many of the jobs needed to be performed were done in factories by women or children. These jobs required little or no skill, and thus wages reflected that of unskilled labor. Aside from pathetic wages, the unskilled employees of this period would be subject to poor working conditions and long hours. This adds obvious emphasis to the Dashwoods behavior in not attempting to work. Some of the other contributing factors that separated the lower class from the middle and upper would be the way in which they spent their free time. The laborers rarely had any; their days would be filled with necessary chores that ranged from getting water to doing laundry. Because the technology for household efficiency was not keeping up with the times, many of the luxuries taken for granted today were not even available to these individuals. The upper classes on the other hand relied on servants for their tasks; they did not have to deal wit h these chores. At a particular point in the book an insight was offered to the familys lifestyle, but more importantly to the mindset they had developed. MarianneShow MoreRelatedJane Austens Sense and Sensibility Essays1384 Words   |  6 Pageswhether it’s an inanimate object or a person you want to spend the rest of your life with. Jane Austen’s novel, â€Å"Sense and Sensibility†, revolves around two sisters who try to find true love, while requiring a balance of reason and emotion. Elinor and Marianne Dashwood are viewed as two completely different people. Elinor is known to represent â€Å"sense† while Marianne represents â€Å"sensibility.† In the novel, Jane Austen emphasizes two common women’s characteristics, and shows us how Elinor and MarianneRead MoreJane Austens Novel Sense and Sensibility: An Analysis1492 Words   |  6 PagesJane Austens groundbreaking novel Sense and Sensibility is a relationship-driven account of female p rotagonists. Sense and Sensibility shares much in common with other novels by and about women. Themes like autonomy versus independence and the role of women in a patriarchal society are explored in Sense and Sensibility. Using two sisters to symbolize the different directions the female spirit can be pulled, Austen shows the variable ways women respond to political, social, and economic oppressionRead More Patriarchy in Jane Austens Sense and Sensibility Essay1535 Words   |  7 PagesPatriarchy in Jane Austens Sense and Sensibility Despite the fact that Jane Austen has become what Julian North describes as a â€Å"conservative icon in popular culture† signified by her depictions of â€Å"traditional class and gender hierarchies, sexual propriety and Christian values,† the novel _Sense and Sensibility_ provides, if not a feminist perspective, a feminist discourse lacking in Emma Thompson’s film version (North 38). In this essay, I attempt to argue briefly that the novel, which initiallyRead More Mothers in Jane Austens Sense and Sensibility Essay1517 Words   |  7 PagesMothers in Jane Austens Sense and Sensibility      Ã‚   I can no more forget it, than a mother can forget her suckling child. Jane Austen wrote these words about her novel, Sense and Sensibility, in a letter to her sister Cassandra in 1811. Such a maternal feeling in Austen is interesting to note, particularly because any reader of hers is well aware of a lack of mothers in her novels. Frequently we encounter heroines and other major characters whom, if not motherless, have mothers who are deficientRead More The Necessity of Marrying Well in Jane Austens Sense and Sensibility520 Words   |  3 PagesIn Jane Austen’s Sense and Sensibility, the necessity of marrying well is one of the central themes. In Austen’s era a woman’s survival depended on her potential to acquire an affluent partner. This meant a choice of marrying for love and quite possibly starve, or marry a securing wealthy person, there was a risk of marrying someone who you might despise. Passage One, portrays the relationship between Marianne and Willoughby. Marianne was blinded by her love, ‘He was exactly formed to engageRead More Balance Between Sense and Sensibility in Jane Austens Northanger Abbey2319 Words   |  10 PagesBalance Between Sense and Sensibility in Jane Austens Northanger Abbey Throughout her novel, Northanger Abbey, Jane Austen integrates parody with characterization to emphasize the necessity of a balance between sense and sensibility while reflecting a theme of the initiation of a young woman into the complexities of adult social life. This novel can be traced back as one of Jane Austens earliest works. It was written in 1798, but not published until 1818, and is an excellent example of whatRead MoreJane Austens Sense and Sensibility: Comparing the Characters of Elinor and Marianne1535 Words   |  6 PagesElinor vs. Marianne Compare-contrast essay Jane Austens 1811 novel Sense and Sensibility puts across an account involving two English sisters who come across a series of hardships in their endeavor to find their personal identities in a relatively hostile environment. Elinor and Marianne Dashwood are forced to leave their home, the estate at Norland Park, consequent to their fathers death. The two experience economic problems and come to see the world with different eyes as they move in aRead MoreEssay on Jane Austen Novels: Success After Death1679 Words   |  7 PagesJane Austen Novels: Success after Death Chuck Leddy, a notable critic, stated Upon her death in 1817, English novelist Jane Austen was completely unknown in the literary world. Why would someone as brilliant as Jane Austen not be world known? By 1817, Austen had already published one of her masterpieces Sense and Sensibility, and it seemed to not bring in as much success as it would later on in life. But the dry spell would eventually end. Two hundred years after Jane Austens death, her booksRead MoreJane Austen s Novel And True Classic Sense And Sensibility1427 Words   |  6 PagesThere are many authors whose works are considered to be classics; perhaps the most influential is Jane Austen. Jane Austen wrote six novels, that in today’s world, we call classics. Her first novel and true classic Sense and Sensibility, was published in 1811 at a time when the world was just starting to write full length novels. Though Jane Austen only lived to be forty-one, she contributed much too modern literature; such as being one of the first major authors to make use of the three volume novelRead MoreSense And Sensibility By Jane Austen1123 Words   |  5 PagesSense and Sensibility was written by Jane Austen in 1811, the novel describes the life of three young sisters after the death of their father. The sisters; Elinor, Margaret, and Marianne Dashwood each are forced to leave their homes with their mother, Mrs. Dashwood, when their father passes and their home is inherited by Mr. Dashwood’s son, from his first marriage, John Dashwood. The young women and their mother vacate the home filled with the atrocious presence of Mr. Dashwood’s first wife, Fanny

Security Data Protection Is A Major Issue †Myassignmenthelp.Com

Question: How To Security Data Protection Is A Major Issue? Answer: Introducation It security and data protection is a major issue in todays business world. This is particularly because the data resource of an organization is exposed to a number of security threats from the cyber attacks, which include hacking, phishing, spoofing and so on. The CNSS security model involves various factors of data security and integrity. This includes data confidentiality, integrity and availability. Data confidentiality means that the authorized users can only access the data stored in the information security system or to the members it is intended to and cannot be accessed by unauthorized members. This is an essential phenomenon of data security (Von Solms Van Niekerk, 2013). Data integrity refers to the fact that data is not changed while storage or its transformation that is the data remains consistent and accurate. Alteration of data is not allowed and is against the security policy and hence this is an essential consideration for IT data security. Data availability ensures that the data continues to be available at a required level of performance and in every situation. The threats may harm or hamper any of the security conditions as a result of severe security attack which may include the involvement of viruses and other malicious software. Ensuring information security is utmost essential and therefore it should be the top most priority for any organization. Therefore, proper security measures are to be undertaken to prevent or lessen the effects of the security threats (Peltier, 2013). IT landscapes have considerably changed with the involvement of newer technologies such as cloud computing. This has considerably resulted in the change of strategies in business concepts and adoption of newer technologies in business environments. The newer landscapes or technologies have given rise to newer difficulties and challenges, which in turn resulted in the need of newer security infrastructure for data protection (CeArley Claunch, 2012). IT Security Models and access controls Security models are essential for ensuring proper security of the data and their confidentiality (Zissis Lekkas, 2012). The main objective of the information security model is to outline the different security measures undertaken by an organization in order to protect the data and resources of an organization. In order to ensure proper data security, different access control methods are employed. Security models support the security policies that are implemented in an organization (Lin et al., 2012). The access control limits the use and access of a particular data only to the authorized persons. Different access control methods includes user authentication that limits the access of any service or resource only to a registered person who has a valid user id and password. Proper security model are necessary to maintain in order to protect the data integrity and availability. Access control is enforced to allow or restrict selected members or users in accessing the resources of an org anization. Other access control methods includes data monitoring using CCTV surveillance method, use of card or key for entry in a protected area or finger print protection of data and resources. Access control is classified into two broad areas, physical and logical access control. Logical access control deals with the protection and limiting the access of the confidential and sensitive information of an organization while the physical access control mainly deals with the protection of physical resources of an organization, which includes, the IT assets, physical hardware devices and their components. Access control is enforced in order to limit the access of data or components only to the authorized users and protects the system and information from unauthorized access (Almutairi et al., 2012). Access controls are enforced according to the specifications of the set security model. IT security Threat and Risk Assessment Threat can be defined as a condition of eminent danger, an organization or a system is exposed to. Threats are capable of creating serious harms to the information system and therefore it is essential to eliminate all the threats from a system before it creates serious harm. The threats in an Information security system include hacking, phishing, denial of service attack and so on. Threats are results of the active and passive attack a system is exposed to. Passive attack is however less harmful than an active attack as in passive attack, the attacker silently monitors the system in order to plan an attack (Crossler et al., 2013). Active attack is more dangerous than passive attack as it is capable of causing serious harm to the system. The security threat includes data loss and data breach, which is capable of causing serious harm to an organization. Risk assessment deals with identifying and analyzing the threats or the risks associated with an organization or a system. Risk manage ment evaluates and categorizes the risk according to its impact and recommends a plan to eliminate that risk. All the details about the risks and threats associated with a system and its likelihood of occurrence is stored in a structured document, which is updated and reviewed time to time. Risk management helps in managing a risk in an effective way and also helps in monitoring the risks associated with a system. One of the important feature of risk management is that, it classifies the risk according to their priority and hence gives a clear idea of the risks or threats that need immediate attention. Having a proper risk management plan is essential for every organization for better management of the threats and reducing their action (Alhawari et al., 2012). References Alhawari, S., Karadsheh, L., Talet, A. N., Mansour, E. (2012). Knowledge-based risk management framework for information technology project. International Journal of Information Management, 32(1), 50-65. Almutairi, A., Sarfraz, M., Basalamah, S., Aref, W., Ghafoor, A. (2012). A distributed access control architecture for cloud computing. IEEE software, 29(2), 36-44. CeArley, D., Claunch, C. (2012). The top 10 strategic technology trends for 2013. The Top, 10. Crossler, R. E., Johnston, A. C., Lowry, P. B., Hu, Q., Warkentin, M., Baskerville, R. (2013). Future directions for behavioral information security research. computers security, 32, 90-101. Lin, G. Y., He, S., Huang, H., Wu, J. Y., Chen, W. (2012). Access control security model based on behavior in cloud computing environment. Journal of China Institute of Communications, 33(3), 59-66. Peltier, T. R. (2013). Information security fundamentals. CRC Press. Von Solms, R., Van Niekerk, J. (2013). From information security to cyber security. computers security, 38, 97-102. Zissis, D., Lekkas, D. (2012). Addressing cloud computing security issues. Future Generation computer systems, 28(3), 583-592.

Summary of /The House On Mango Street Essays -

Summary of /The House On Mango Street 20133787 Zainab Yousif ALshaikh [emailprotected] The House On Mango Street is written by Mexican-American writer Sandra Cisneros, who's the only daughter among seven children, the novella is influenced by her migration struggles, poverty and misogyny. The novella, which is consisted of series of vignettes or short sketches, genera is a coming of agebecause it talks about the transition of Esperanza in the Mango Street from being a child to being an adult and the changes in her and in the society during that process, starts with making a friend then the edge of puberty "hips grows and too reach her first crush, endure being rapped and writing to have a space to breath behind the Mango Street till it becomes sexually and emotionally matures. The clear big image that has been given about the community revel the possible paths Esperanza may follow in the future. From looking at the title, you will figure out that the House On the Mango Street is where the story take place. The Mango street is a poor neighborhood in Chicago where the community represents the harsh reality our narrator and main character Esperanza, tries to escapee from. Esperanza, whose name mean "hope, is a young girl who struggles with poverty in her life and wishes for a house better than the house On Mango Tree a house like the one's on T.V. At the beginning of the story Esperanza's family has just moved to the House On the Mango Street. Esperanza hates it because it isn't what she wanted. Esperanza become friend with Lucy and Rachel including Esperanza's sister. When they are on the edge of puberty, only Marin stories helps them to learn about boys because it's forbidden to talk to boys even your brothers outside your house. As a result, it creates a lack of knowledge concerning men thinking ways that's explain why they walk around their neighborhood in high-heeled shoes and when an older man kisses Esperanza at her first job. Also, at school when the nun asks her to point her house she doesn't point the right house and at the party when she refuses dance request because she is wearing an old shoe, all of that because she is ashamed of her family's poverty when she is puberty , she starts to like boys watching her dancing and want to feel and express love concept love and she dreams about love. The death of her grandpa and her aunt, who inspire her to write make s her aware of her matureness and to realize how much her family needs her now and to start thinking about tomorrow and what to do if h er father dies. On the other hand, Her Friend Sally is expose to men. she explores her beauty makes up for her father's violence, her father punishes his daughter because his sister she away with a man. Sally acceptance when boys ask her to kiss them to return her keys in spite of Esperanza's refusal and the crisis occur when Sally leaves her alone and promise her to return and Esperanza is sexually rapped. Toward the end, three women tell Esperanza that she is special and will get out but she has to return for those who can't leave then the falling action come when Alicia try to convince Esperanza that the Mango Street is an integral part from her she can't remove it but she refuses to understand. But eventually the resolution happen, when she finds the balance despite her painful experiences and the neighborhood's women experience and discover that she says is stronger than the Mango street so it can't hold her foe ever. not to forget the fact her writing helps her to escape emotionally but in the future it my help her to escape physically and she will return for others. I really liked what Cisneros portrayed and the dimension she discusses. Regarding how people like Esperanza in her worst condition can fight to give birth to her dreams. Despite the fact that she is a woman in men world and suffer to stay safe and alive even in her severe bad conditions and eventually she succeed in saving her dream. Furthermore, she chose not to