Legalized gambling in Hawaii Essay

The streets of Las Vegas Boulevard, which are littered with advertisements picturing naked girls willing to provide their services for a price, can be a scary place as someone takes a stroll. Drunk men stumble out of strip clubs and casinos, and girls in gaudy clothing and stilettos apply lipstick at their post. Nobody knows when someone lurking in the shadows might pop out with a knife to steal an unsuspecting person’s wallet. Or even worse, a friendly-looking stranger walking in the opposite direction could be waiting to come across the right person to drag into a dark alley, muffle their screams so that their cries for help blend into the noisy background of the streets, and do the unthinkable. The tolerance of drugs, prostitution, gambling, 24-hour liquor sales, gang violence, and the emphasis on the nightlife give Las Vegas its nickname, Sin City. Also known as The Entertainment Capital of the World, Las Vegas is a world-wide attraction for people from all walks of life. Whether visitors are seeking relaxation in one of Las Vegas’s five-star hotel casinos along with entertainment, gambling, shopping, and fine dining; employment or a new home in the nation’s fastest growing community, or the permissible use of money for sex-related services; Las Vegas thrives off of their tourism industry. Sometimes referred to as Hawaii’s ninth island, Las Vegas is a popular vacation spot for residents of Hawaii. Seeing as how Hawaii, along with Utah, is one of the only two states in the country where gambling is illegal, Hawaii residents visit Las Vegas to delight in part in guilty pleasure. Every week, as many as 3,000 people from Hawaii visit Las Vegas, and a growing amount of former Hawaii residents have made Sin City their new home (www. visitlasvegas. com). Facing billion dollar deficits and on the prowl for ways to increase revenue, Hawaii law makers have brought into question whether legalizing gambling would be a beneficial way of economic development. Dennis Arakaki, head of the Hawaii Family Forum and Hawaii Catholic Conference says, â€Å"people in Hawaii like gambling, but they realize it is not a very good idea to legalize it. Gambling isn’t a good way to deal with your financial problems, either personally or as a state. † Although gambling bills are pitched every year, Republican Governor, Linda Lingle is against the introduction of gambling to the islands (The Philadelphia Inquirer). In fact, the legalization of gambling in Hawaii is misleading in terms of increasing revenue and employment opportunities for the state. It will take away from the beauty and culture of the islands that visitors come to see. Although gambling supporters tend to leave this part out, the legalization of gambling will bring the hidden impact of gambling addiction to many people of Hawaii. Allowing gambling to be legal won’t necessarily rid the state of its billion dollars of debt. While gambling is a way to make money, The Drake Law Review says that figures are overestimated as a way of persuading government officials to allow gambling into our community. For example, in Quincy, Illinois, a betting parlor was estimated to bring in 200,000 dollars in tax revenue. Its actual earnings turned out to be barely one-third of that estimated figure. The future of the economy cannot always be predicted accurately. Therefore, to say that a gambling establishment will bring in a certain amount of money is literally taking a gamble. What the Drake Law Review is saying is that the amount of revenue is knowingly exaggerated as a way of misleading the community to think it is a way to get rich quick. It is also usual for gambling businesses, most of which hold government franchises, to request and receive five-year tax waivers. The building of new hotel casinos will surely create more jobs; however, the Illinois Business Review conducted a study showing the over-optimism in the expectancy of jobs. When comparing the employment and unemployment rates from before and after the introduction of gambling in Illinois, the opening of over 7,000 new jobs were not beneficial. It did not decrease the unemployment rate because most of the people who were hired for the new jobs were simply shifting from previous employment. The slight increase of employment could have been attained without legalizing gambling. Research done by the New Mexico Coalition Against Legalized Gambling shows that the legalization of gambling, which is supposed to be a strategy for economic development, actually causes economic decline. A study done in South Dakota showing that the legalization of gambling caused a decline of interest in auto sales, retail, recreational services, business services, and all other services excluding those of hotel service, supports the opposition of bringing casinos to Hawaii. The study shows that legalization of gambling will have a negative impact on local businesses because people will choose to invest their money elsewhere. Instead of taking part in recreational activities such as heading down to Sea Life Park to swim with the dolphins, tourists might choose to invest their time and money gambling in a hotel casino. Instances like that, where money is going toward the prosperity of casinos, have a negative financial impact on local businesses. In Atlantic City, there was an increase in homelessness and crime after the introduction of casinos. The increase of the rate of crime led to a decrease of property value for many communities. Crime rates are on the rise in places where legalized gambling is prevalent. Some may see the legalization of casinos in Hawaii as a way to enjoy the beach, go for a hike, see a luau, and be able to stop off at a slot machine to have some fun before heading to their room, but in reality Hawaii is not about gambling. The term, Aloha Spirit, is the attitude Hawaii is famous for. This is a way of describing the overall kindness and friendly acceptance that residents portray. When looking at a 2006 crime rate chart comparing both Honolulu and Las Vegas, Las Vegas exceeds Hawaii in all categories. The following numbers are actual examples: murder, 17 to 152; robbery, 956 to 5,381; aggravated assault, 1583 to 6680; and vehicle theft, 6288 to 19677. According to cityrating. com, when looking at a population of one million in the cities of Las Vegas, Nevada and the Honolulu, Hawaii, both violent and property crime rate percentages in the city of Las Vegas are not only greater than Honolulu, but above the national crime rate average as well. This suggests that the association that the city of Las Vegas has with gambling may contribute to the increase of crime. Bringing the slots to our neighborhood means bringing all the cons that come with it, thus destroying the Aloha Spirit. The presence of hotel casinos in Hawaii will deteriorate and draw away from the beauty and the culture of the islands that visitors come to see. Year-round warm climate and the inviting outdoors of the playful ocean and mountainous scenery attract people to the tropics of Hawaii. Along with this, another selling point of Hawaii is the cultural experiences visitors take part in to learn about the history and ways of life in the islands during their stay. This makes Hawaii the ideal destination for family vacationing, as opposed to Las Vegas, which attracts visitors by means of their casino and entertainment industry, and is ultimately meant for those who are 21 and over. Violence and crime associated with the presence of gambling would lead communities to be deemed unsafe. Instead of visiting the islands to learn about the culture, tourists may spend more time at the slot machines. Gambling is a serious behavioral problem with its own signs, symptoms, and treatments, that if brought to Hawaii, brings residents closer to the risk of gambling addiction. Gambling is like a cigarette, people know it is harmful, yet they still do it. Quitting is hard and when the person finally realizes they want to quit, it is often times too late. According to (www. helpguide. org), a problem with gambling puts a strain on relationships, interferes with obligations and responsibilities at home or in the workplace, and leads to financial catastrophe. Gambling leads people to do things that they normally wouldn’t do such as steal money to gamble or repay debts, resort to drugs or alcohol to cope with depression, and violent behavior as a means of coping with situations. Statistics show unfavorable results for gamblers. Divorce rates amongst gamblers are double than that of non-gamblers. The suicide rate of gamblers is a whopping twenty times higher than that of non-gamblers, and one in five gamblers will attempt to take their own life. While gambling doesn’t become a dangerous addiction to everyone, a person with an addiction problem will effect those around them, whether they are family, friend, or stranger. Children who have parents who are addicted to gambling may become neglected and turn to gangs, drugs, or alcohol. Just as a child who has a parent who smokes is more likely to smoke, a child who has a parent who gambles is more likely to gamble as well. Passing a law that legalizes gambling in Hawaii and brings casinos to our neighborhood misleads people with over-optimistic promises of prosperity. In actuality, instead of economic development, legalized gambling will lead to economic downfall. Part of the downfall to legalizing gambling is taking away from the beauty and culture of the islands by bringing distractions and destruction. To destruct the culture is to shatter morality by exposing people to consequences of gambling addiction. As the saying goes, what happens in Vegas, stays in Vegas. Have you ever thought that maybe there is a reason why people like to leave what happens in Las Vegas behind? Works Cited Niesse, Mark. The Philadelphia Inquirer. Associated Press Gambling Causes Economic Decline. New Mexico Coalition Against Legalized Gambling â€Å"crime rates†. . â€Å"gambling addiction†. . â€Å"tourism†.

Roles, Responsibilities, and Boundaries as a Teacher

Part 1 Part A (1 & 2) – Roles, responsibilities and boundaries As a Training Consultant (TC) and teacher my main role and responsibilities are to educate and deliver effective training and impart my skills and knowledge in my specialist area which is Childcare. This is needed to support the learner either directly or indirectly and to maintain an inclusive, fair/just and motivating learning environment. I understand that as a teacher I am primarily responsible for the health and safety also the moral and physical welfare of my students/learners.I am also responsible for teaching students with Special Educational Needs. I provide Training to Learners within their workplace which can be either in a nursery, a school, Residential Care setting/Children's home or any setting that looks after and educates children. The qualifications I deliver are Certificate (level 2), Diploma (level 3) Children's and Young People's workforce alongside Functional skills; Maths. English and ICT at l evels 1 and 2, and Employment Rights and Responsibilities (ERR).This I deliver both in the workplace and in the classroom. I am employed in a full teaching role. I am required to perform all aspects of the teaching and learning cycle as outlined in the â€Å"Preparing to Teach in the Lifelong Learning Sector†0 As the teacher I am responsible for following company policies and procedures and for attending promotional events, for example: A Career day at local school . This would be to show our potential students the benefit of taking up training with our company.Whilst attending these kind of events I will need to have an up to date and sound knowledge of my specialist subject and at all times follow the Institute for Learning (IFL) code of professional practice as this may be my first contact with potential learners/students. When delivering the Qualifications I use the teaching and learning cycle which is made up of the following five sections; identifying needs, planning tr aining, facilitating learning, assessment, quality assurance and evaluation. This would also help me to judge the abilities of my students and would be helpful for my own self evaluation. 1.Identifying needs: this will start with the initial face to face contact with potential learners/students which is considered the most important as this will create the very first steps of building a bond with the learner/student. This will be a major step in understanding their needs and recognising their potential. Each learner is different due to different previous experiences. To identify their educational background and level I would form a discussion on what previous knowledge they already have and would facilitate communication in such a way that all learners are encouraged to participate in the discussion.Whilst the process of identifying needs is taking place, there are some boundaries that may affect the process. The lack of information regarding learners' requirements can make the proc ess of assessment very difficult because I do not know the background knowledge of the student before starting an initial assessment and this can have negative effects on the process of assessment. Students/ learners may be mature student. Therefore there may be funding constraints. Nursery managers have to adhere to Ofsted’s ratio requirements so staffing arrangement can be stretched having an affect on visit lengths and times.There are many boundaries to teaching. Liaising with other professionals. When liaising with other professionals I will need to remain professional at all times. I frequently liaise with other teachers within our organisation this will include one of our functional skills teachers. She knows her specialist subject well. When needing expert advice on delivery or assessments relating to functional skills I would ask her. This is to ensure that I have to correct information to pass on to my learner, so I do not put them at a disadvantage.I have to deal wi th eternal professionals such as Learning Links this is a agency that deals with young adults who have had a difficultly finding a job for variius reasons such as acholoca, drug abuse. Part B – Legislation and Codes of Practice The legislation that impacts my teaching are the Health and Safety at Work Act 1974 this Act provides a frame work for all employers and employees outlining their roles and responsibilities to ensure everyone's safety. Equality Act 2010 is a discrimination law that protects people from unfair treatment and creates a fairer and more equal society.Data Protection Act 1998 is a law to protect people's personal information. It is important that I demonstrate that my standards of teaching constantly meet or exceed all Approved Codes of Practice (ACOP) set out by my employers or other professional bodies if compliance is ever called into question. The codes of practice I follow are: Institute for learning (IFL) mentioned above and Early Years and Childcare c ode of practice. A professional code for child carers, providing advice for professionals carrying out their duties and responsibilities within their working role.Firstly, in accordance with Professional practice, members should ensure that no action that they take will be detrimental to the Child's welfare, safety or will hinder the child development. Secondly, members should aim to maintain the highest possible standards of performance, to aim to improve their knowledge, skills and competencies by taking advantage of training. 3As Institute of learning (IFL) points out specific behaviour expected from the member for the benefit of learners, employers, the profession and the wider community. They are as follows: Integrity, Respect, Care, Practice, Disclosure and Responsibility.This is what all members should adhere to, to ensure that good quality teaching is carried out. Thirdly, members should constantly evaluate and reappraise their own methods, policies and practices and keep up to date with current developments in light of changing needs and circumstances. Lastly, member should be aware of the need for confidentiality within their professional practice. Part C – Equality, Diversity and Ways to Promote Inclusion The Department for education and skills have a handout called The learning Journey this is a vital tool for all assessors.This clearly shows the process to follow when meeting with the learner/student for the first time. I need to acquire as much information as possible to identify any support needs of the learners. During the discussion, as a teacher I encourage learners to seek initial and further learning and to use services within the organisation. This is called Signposting. This is when I will direct the learner on where to find additional information, guidance and advice or learning resources. Another service within the organisation is Referral.This is when I will direct them to an outside agency depending on the kind of support they require. If they have mental health issues I would direct them to Children and adolescence mental health service, Portsmouth if they are 18 years of age and under and Health recovery, Solent, Portsmouth, if they are 18 years of age and older If they had alcohol, drug or gambling problems I would refer them to Addction within this organisation they have a specialist team to counsel, support both the individual and those closest to them. Once the learner/ tudent has the correct information and agrees with the referral I would either make the appointment or I would give the learners/ students details to the agency. I would then contact the agency to ensure everything is in order. I would then record details and ensure the learner knows what arrangements have been made. I must not discriminate against a learner and must provide every opportunity for every learner that learning will be achieved. To be able to do this properly I need to have prior knowledge of my students through the init ial assessment process.Facilitate Learning: Within the initial meeting I would then make sure that the learners are on the right programme, checking their eligibility for funding, giving advice, guidance and appropriate information, keep records of discussions and agreements, maintain confidentiality and undertake a Criminal Records Bureau (CRB) check, if required. Being a Teacher is extremely rewarding. The quality of learning the advice and guidance on the programme they wish to undertake is very important.What is also necessary is supporting the students' individual needs, applying and adapting my teaching methods to suit the students' preferred learning styles, level of skill and abilities. In doing this, I would be motivating my students to progress and achieve their desired qualifications. Part D – Core skills Functional Skills consist of Math’s, English and ICT. They provide the foundation of knowledge and skills to enable the learner to function at the required level, confidently and independently in everyday life.For example, they help us recognise good deals when making purchases, in writing a CV or application letter, or when using the internet for emails and online banking. Functional Skills qualifications can be achieved at Entry level, Level 1 or Level 2. Some learners may already have achieved at school but it is still important that the teacher embeds the elements of Functional Skills into the subject. It is important to embed Functional skills into everyday work life. Maths is embedded into everyday tasks such as working out ratios, room measurements and nursery fees.English is embedded into everyday during training sessions and work – based tasks. ICT skills include using computers, using email for communication and word processing. It is important that a teacher has competence of their Functional Skills. If handouts were produced with spelling mistakes or the teacher could not operate a computer, it would cause the learn ers to lose confidence in the teacher and lack of credibility. Part E – Environment I need to create a safe, non-threatening, good atmosphere at all times.To quote from Teaching and Teacher education hand-out from PTLLS course3 â€Å"having a safe, supportive environment provides a foundation for maintaining the productive relationships†. I agree with this statement as I frequently come across this situation with my learners, especially in childcare. If there is not a suitable environment for teaching and giving feedback then the learner remains in the formal stage and will not move into the informal stage where most of the learning takes place. Therefore, this would mean I have failed to empower and motivate the learner.With this in mind 5Maslow's hierarchy of needs clearly states â€Å"that we must satisfy each need in turn starting at the bottom and working our way up† Please see Maslow's triangle below. If the physical, emotional and wellbeing needs are not met then the higher order needs are not considered. So as a Teacher it is important to meet these needs in the first or second meeting and throughout out the length of the programme. I will make sure the learner’s needs are met when planning the initial meeting. Therefore at the same time make sure all parties involved i. managers, supervisors and mentors are made aware and that they agree with the length of meeting and the meeting place for both the learner and I. Part F – Ground rules Ground rules need to be set to establish boundaries for students starting a course, knowing some basics about what is expected during the length of study. In all teaching and training sessions ground rules are necessary to ensure that all learners have the same expectations on how to behave. The ground rules can be established by talking through behavior expectations of the learner and myself.By involving the learner they are more than likely to take ownership and empower the students. Ground Rules that can be : Such as punctuality, mobile phones of or on silent, confidentiality and most of all respect. Parts G and H, Effective Feedback, Engaging and Motivating Learners For every individual there is a variable driving force. Not all students are naturally motivated. Some need to be challenged, inspired and stimulated to learn and see a task through to the end. Not all learners are motivated by the same things some students are motivated by the approval of others or self challenge.To encourage students to become self-motivated, independent learners, as a teacher I can do the following: Give frequent, early,positive and constructive feedback that supports students' beliefs that they can do well. Support learners that need it, keeping in mind their attention span limits and discuss and set together SMART targets. Furthermore, whilst demonstrating all the above and showing respect for the learners/student individuality will in itself be a motivator to learn. Within th e assessment plan you will be making an Assessment decision along with feedback: When giving feedback all learners will need to now how well they are getting on and what they have achieved. I always use the praise sandwich feedback method. This is Praise- Corrective feedback – Praise. This method ‘softens' the impact of the corrective feedback. The key to give effective feedback is to give feedback straight away and to do so with respect, understanding and action. 9As it states in PTLLS handout â€Å"Giving and Receiving Feedback† ‘Feedback is an important communication tool that can improve the way we work with one another. ‘ My organisation requires me to write down feedback on my assessment plans and on formal reviews.Task 3, Part 2 Part A Principles of assessment Initial Assessments are used to check the learners/students Literacy, language and numeracy skills to determine the level at which the learner/student is at and if they have any prior nee ds that need to be addressed before and during the programme. Diagnostics give a more thorough indication of the level and also the specific aspects for development as well as strengths. Identifying learning styles as a part of the initial assessment will help me determine the learning approaches to use and effectively complete the learners Individual Learning Plan (ILP).This is the students' timetable for learning and resources required. There are two well-known types of learning styles questionnaires that are commonly used with in our organisation. They are Visual Audio and Kinaesthetic (VAK) and Multiple Intelligences test. To begin with Fleming (2005) stated â€Å"that people can be grouped into four styles of learning: 6Visual, Aural, Read/write and Kinaesthetic (VARK). Not all learners fall into one style they can be the mixture of the four. In the second place Honey and Mumford (1992) suggests that learners are a mixture of the fours styles: Activist: Love challenges and are enthusiastic, enjoy dealing with new problems Pragmatist: They apply what they have learned to practical situation and enjoy the logical reason for doing something. Theorist: prefer to read lots of material first liking things that have been tried and tested. Reflector: like to think things in depth and then try something then reflect on the activity again. All information gathered from the initial assessment will help complete the ILP.Knowing your learners/students learning styles will help you adapt your teaching to suit their needs and in turn motivate them. Assessment activity: There are various types of assessment methods used both formal and informal . Formal assessment methods include assignments, case studies, essays, exams, multiple choice questions, observations, professional discussions, projects, tests and witness testimonies. Informal assessment methods include; discussions, gapped hangouts, journal diaries, peer assessments, puzzles and crosswords, self assessments, q uestions – oral and written, quizzes, role play and worksheets.I have to choose assessment methods accordingly depending on the student prior attainment and level of programme they are studying. Observation is a good way of assessing the learner within the workplace to assess learners' competence, attitudes and skills. This can then be followed up with oral questioning to confirm why they did or dealt with a certain situation in a particular way, checking their knowledge and understanding and encouraging them to reflect on their practice. If the observation was within a group situation then peer and self-assessment could also be used in conjunction with the observation.By using these methods the student are acquiring listening, observing and questioning skills. . Parts B and D – Creating Assessment Opportunities and Involving Learners in the Assessment Process Planning Training: My role is to plan what will be taught and when. This is a two- way process between me and my student. After completing the initial assessment I progress forward onto Assessment planning. This type of assessment is formative – reviewing progress throughout the programme until the end or when the learner leaves. I will plan what we are going to do so the student knows what is expected of them.If the students are working on assignments then I would need to set targets for completion. Moreover, if students are going to be assessed at work, either by an observation or simulation, then I would need to consider who, what, when, where, why and how to ensure we are both aware of the requirements. When planning I will need to ensure that all assessments are valid, authentic, reliable, current, and sufficient (VARCS). If I do not consider these aspects when planning then I will not know what I am assessing is necessary, credible, fair and relevant.The ILP is a personalised, flexible map to guide the learners journey. Within the ILP there will be results of the initial, and d iagnostic, assessment and learning styles. This will also include learner’s targets, timescales, details of resources and details of how and where the learning will take place. The ILP is a working document and should be used as an aid for both learners and students to record, negotiate and plan, review, assess and reflect on the learning experiences throughout their programme. Summative ssessment ——————————– Part C – Strengths and Limitations of Assessment Methods Assessment: There is a large variety of assessment methods available for assessing learners’ achievements. These include: observation, oral and written questioning, product evidence, discussions, witness testimony, recognising prior learning; skills tests, written assignments and case studies. Choosing the most appropriate assessment methods is vitally important to help and support and maintain motivation.Direct Observation: Allows the assessor to see the candidate in action and may be able to cover several aspects of the qualification during a single session (Holistic) the observation can take place within the learner’s normal working hours so there is minimal disruption as they are able to continue to do their job while being assessed. This should be planned in advance to suit both the learners and the assessor. This will also have to be arranged with the manager. The observation will have to be recorded in some way such as hand written, typed or recorded on DVR.Learners may â€Å"perform† differently as they are being watched. After the observation it is good practice to ask oral questions to clarify the reasons behind the actions. Questioning can take a number of forms. They can be delivered orally or in written form. Oral questions may suit learners with dyslexia or poor literacy skills. Workbooks can be produced to cover all knowledge questions for mandatory and optional units. After Observation the learner can be asked to explain why they did something; this gives them an opportunity to expand on things like procedures, policies or legislation.Part E Peer and self-assessment I use self – assessment on a regular basis as this promotes students involvement and responsibility and encourages reflection which is an integral part of the role as a childcare practitioner. However there are also limitations depending on the students as some students may lack confidence in their own ability and they may think that they have achieved more than they actually have Peer and self-assessment could also be used in conjunction with an observation. To make this a reliable assessment method he student will have to fully understand the assessment criteria and how to be fair and objective. There are many advantages and disadvantage of peer assessment. Students are focused on the criteria and this will empower each student to take ownership of their own learning and understan ding. A disadvantage is that student might be friends with their peers therefore being subjective rather than objective. Part F – Keeping Records of Assessments Quality and Evaluation: Record keeping. Is a part of quality assurance and is a process that has to be followed.This proves that the qualifications are being delivered and assessed fairly, consistently and accurately. This is in line with the Ofsted requirements. Within our organisation we use a variety of methods to maintain quality assurance. Our policies and procedures are revised yearly in order to test their current effectiveness and legality. If they need to be changed due to changes in legislation then this would be actioned immediately. The TC will be observed at regular intervals and scored using the Ofsted grading process.Staff Continuous Professional Development (CPD) records are kept up to date. Standardisation of practice takes place this is when will compare and conform procedures. Learner retention is m onitored along with complaints and appeals. During the course learner and employers surveys are completed. Quality Assurance is necessary to evaluate and Maintain high teaching standards. On all visits I will need to complete an assessment plan, records must be up to date, accurate, legible and factual.This is similar to a written contract between me and my learner but this can be reviewed and changed at any time. All assessment plan will be shared with my manager and mentor to confirm progress and to point out any areas of development needed for the learner to progress. Both the learner their manager will sign and be given a copy Word Count References Anne Gravells (2012), Preparing to Teach in the Life long sector: London,SAGE. 11. 1. Handout from Pttls course Teaching and Learning. 2. Handout from Pttls course Insitute For Learning. . Handout form Pttls course Teaching and teacher education. 4. Handout from Pttls course, The Learning Journer. 5. Handout from Pttls course, Maslow Hierarchy of needs. 6. Handout from Pttls courser VAK testing. 7. Anne Gravells (2012), Preparing to Teach in the Life long sector: London,SAGE. 32. 8. Anne Gravells (2012), Preparing to Teach in the Life long sector:London,SAGE. 112. 9. Handout from Pttls course giving and recieving feedback, Bibliography Anne Gravells (2012), Preparing to Teach in the Life long sector,: London,SAGE.

Differences and Similarities between Federal and State Governments

The federal and state governments of the United State have apparent differences and similarities. This nature is based with the principle that there should be an existing central governing supremacy as exemplified by the federal government of U. S. Aside from a national ruling; however, it is still essential that state governments handle and control the concerns and interests most significant for the people of particular state. It is in comparing and contrasting the said structures of governments that American administration proves its purpose and essence to the society and its people.Similar to the federal government, every state government carries on with an established charter that determines the link between the governmental establishments and associations even at the level of state governments. All state institutions comprise a structure of separation of powers within the three branches of government. While President is the primary federal government head, a Governor heads the e xecutive branch of state government.The legislative branch of the federal government is composed of the Senate and House of Representatives whereas state governments have mostly lower houses, based from its bicameral type of legislature. While both government structures appear to be similar as far as the nature of their respective Congress, they differ in the frequency of legislature meetings. In the judicial aspect, federal judges are nominated by the President while election takes place in choosing state courts judges (Williams, 1998).William confirmed that federalism works but then asserted that states work well and even better than federal governments. This is because unlike federalism, states actually have federal structures even though they are not operating on a federal foundation. This simply means that states adhere with and apply the federal principles being performed by the federal government in the structure of state governments which made it more effective to the people of American states (Williams, 1998).

Money and banking Assignment Example | Topics and Well Written Essays - 500 words

Money and banking - Assignment Example Conversely, introduction of money market mutual funds constrained deposit to banks since they paid higher money market values. Finally, the introduction of ATMs in the banking sector reduced the cost of transactions, which the banks used to benefit from due to the paper work required (DeYoung). Hence, the consequence of this shift was a reduction in banks fundamental sources of funds. Experts cite adjustable-rate mortgages (ARMs) as a dubious practice that exacerbated the financial crisis. In this case, ARMs enticed borrowers with low credit to enable them borrow against the value of homes. This way, families were able to own homes that were beyond their reach. Consequently, there was an inflation of a new bubble in the housing sector as prices were indicative of families’ inability to pay (Mackaman). Subprime mortgages, like ARMs, contributed to underpaid-workers owning homes that they could not afford to pay. In effect, this led to creditors risk managing the default payments through shadowy techniques that involved bundling, selling, and repackaging debt. With the number of defaulters rising, what followed was a number of foreclosures that were in contrast with the value of debt bundling from banks and saving institutions. In effect, these institutions resulted to liquidity and solvency status that lead to the crisis (Mackman). Strictly put, banks that follow proper lending procedures will ensure that the borrowers are credit worthy and they will not become defaulters, which can make a bank lose money. However, a bank with high nonperforming loans runs the risk of a low capital base to do business and they can run into trouble with financial regulators. In addition, such publicity might result to substantial withdraws from depositors (a run on the bank). 6- Explain the Basel requirements and how banks got around the

Hipaa, How it may affect me in a doctor office Essay

Hipaa, How it may affect me in a doctor office - Essay Example In case of a job change I will be able to benefit from the act as I will be able to reduce the exclusion period in group health plan and health insurance coverage. This is a positive affect that the act will have on me. As an employee in a doctor’s office, HIPAA would affect me in numerous ways from the second part of the HIPAA. First and the foremost, there would be increased pressure in order to ensure the safety of the health care data. Personal responsibility needs to be taken in order to ensure that all the rules and regulations are followed in order to the safeguard the information. Failure to do so will attract serious penalties. There will be special training on the use and understanding of the new systems. As the patient information is accessed by many, the responsibility to protect that information becomes even greater. Hence, I will need to undergo training not just on how to use the new systems but also on the various aspects of the act itself. This will help to have a clear understanding of the act and hence act within the rules and regulations defined in the act. Also training is required in using the equipments that will be in place as a result of the HIPAA act (Iyer et al., 2006). It is also the responsibility of me and my colleagues to explain the provisions and the various aspects of the act to the patients. The complexities of the act must be clearly communicated to the patients so that they can make full use of it. Also a result of the act, there will be continuous monitoring and supervision of my work. I will be monitored to see if all the procedure laid out by the hospital is being followed or not. Also I must comply with the personnel and security management systems in the hospital. Osborne, H. (2002). In Other Words†¦How the New HIPAA Regulations Affect Healthcare Communication. Boston Globes On Call.[Online]. Available at:

Business process modling Essay Example | Topics and Well Written Essays - 500 words

Business process modling - Essay Example This report will detail the business process modeling exercise involved in invoicing as pertains to the SAP system. Based on the SAP system, the invoice modeling process has ten key stages. It starts with the reception of the invoice followed by confirmation of receipt. The confirmation phase revolves around making an official request for verification to the relevant authorities. Once confirmation has been received, the invoice is sorted and then reviewed for compliance. The next stage entails validating the vendors who sent the invoice. Validation is necessary to ensure that payment is not made to fraudulent vendors and the business does not lose money in the process. After this, the invoice is validated, the due payment is processed, and the invoice is archived for future reference. Archiving the invoice is vital for purposes of recordkeeping. The body of this report will be based on two concepts: governance structure and business process modeling. This will be followed by a conclusion that comprehensively summarizes the main points discussed in the report and the potential implications on the subject of study. The first group meeting was convened on 2nd May 2015 at around 2:30 pm. The venue of the meeting was on the fourth floor of the library at GP. Despite the delays, the team went ahead to start on the assignment as per the discussions. The main agenda of the meeting was on business process modelling. The members worked hard enough for the success of the group. Every team member took the assigned duty with enthusiasm. The assigned roles to the members were covered elaborately. The tasks carried out by the group extended as discussed. First, the governing structure, covered by Sammie Wa’ahero, entailed the process of the architecture of the SSP and the modelling conventions. The process architecture, as described by Sammie, is where the direct invoice process precisely positioned. The

Behaviour in Organisations Essay Example | Topics and Well Written Essays - 1500 words

Behaviour in Organisations - Essay Example The purpose of this report is to analyze how organizational behavior will influence the innovation of the Australian consulting firm. The survey will focus on the process of creating and inventing new ideas into the marketplace as the products and the process in order, to flourish the consulting firm in the market. The innovation of any company lies on the power of ideas and individual initiative that expand the services of organizational to its customers. This will happen if the firm is willing to accept the opportunities and the challenges ideas that help organizational to develop new knowledge that meets emerging needs of the clients. Therefore, organizational behavior involves the study of persons and groups within the organizational, and the study of the internal process and practices as they affect the effectiveness of individuals and the organization. Therefore, organization behavior and innovation of the organizational processes go hand in hand in order to meet the interest o f workers and the executive managers. In general, it helps individuals working together in a difficult market system to create a new product and procedure or work process in organizational. This is ability of the individuals in the firm to access their weakness and the strength, set, and pursues professional and personal goals as well as balancing company work and personal life in order, to engage in new learning activities of well-being of the company. ... In general, it helps individuals working together in a difficult market system to create a new product and procedure or work process in organizational. The self-competency This is ability of the individuals in the firm to access their weakness and the strength, set, and pursues professional and personal goals as well as balancing company work and personal life in order, to engage in new learning activities of well being of the company. Stephen and Timothy (2010, p 224) stated that, for any company to innovate new ideas and products in the market, all individuals should have self-competency that involves abilities to be effective in doing the following: To attain the innovation of the consulting firm, the individuals should understand their own and the customers personalities and altitudes. The working team should understand their own motivations activities and the emotions in the organizational environment in order to respect others ideas. They should take responsibilities for managi ng their own work without any push from the top management. They should perceive, appraise, and interpret their ideas accurately in the organizational environment in order to put the new ideas into productive manner. The innovation of the consulting firm will be entirely on the assessment and the establishment of the workers personal life and the work-related goals. In general, self-competency helps in achievement of an underlying personal attributes that are needed for the successfully innovation of the organizational. The Careers Development The individuals in the organizational should aim at improvement of their careers in different fields so that they can develop new ideas in order to move up the ladder in the consulting organization. According to