What Causes Aggression free essay sample

United Nations AIDS Conference Simulation Essay

Joined Nations AIDS Conference Simulation - Essay Example This recreation movement included the United Nations General Assemblies. As indicated by Starkey, Boyer, Wilkenfeld, and Starkey (2010), the General Assembly is the deliberative group of the United Nations and is comprised of the United Nations part expresses each with a vote. The United Nations AIDS Committee is answerable for proposing and arranging worldwide goals in the battle against the HIV and AIDS pandemic (Starkey, Boyer, Wilkenfeld, and Starkey, 2010). Starkey, Boyer, Wilkenfeld, and Starkey further clarify that these goals are then sent to the general gathering for a last vote (2010). Understudies were doled out various jobs either as state delegates or non state delegates. The name of the panel was the United Nations General Assembly. The support was the United Nations AIDS Committee who created this goals. Pre mobile expressions were utilized to express the issues that the Committee was to talk about and resolve. These announcements expressed the purposes behind the Committee to determine the issues. The issues talked about during the recreation incorporated the reaffirmation of those goals that the United Nations General Assembly had created in the past get together. The present and persistent harm brought about by the pandemic was recognized. It was recognized that there was requirement for the board to rebuild the procedures that were at present being utilized to battle the pandemic. The board having understood the significance of country states contributions on AIDS goals endeavors invited their thoughts.

Can a Cash Advance Actually Help Your Credit

Can a Cash Advance Actually Help Your Credit Can a Cash Advance Actually Help Your Credit? Can a Cash Advance Actually Help Your Credit?Cash advances just show up as normal credit card purchases on your credit report.When you’re in a financial bind and you need some quick cash, taking out a cash advance on your credit card can be an okay solution. Sure, they don’t come with the ludicrously high interest rates and short repayment terms of a payday loan, but they’re still much costlier than just maintaining an emergency fund.If you’re living paycheck to paycheck, you should also consider how a cash advance will affect your credit score. After all, a higher score will lead to lower (i.e. better) interest rates down the line, which means a rosier financial outlook overall.But how does a cash advance affect your credit score? Is there a chance that it could even help your score in the long run?A cash advance is a loan you take out on your credit card.When you make a normal purchase on your credit card, that amount you spend is added to your total balance. The same is tr ue when you take out a cash advance, the only difference being that you receive cash instead of a purchased item. If you were to take out a $60 advance, you would receive $60 in cash and $60 would be added to your total balance.When it comes to repaying your cash advance, nothing changes from how you would regularly pay down your balance. Ideally, you should pay off your balance in full every month, but your monthly minimum payments would only marginally increase with a cash advance added to your total versus a regular purchase.A cash advance is convenient, but it’s much more expensive than just using your card.However, there are some very important differences between cash advances and regular credit card transactions. For one, a cash advance comes with a higher interest rate than normal transactions. The difference will vary from card to card and from customer to customer, but the average credit card APR  is a bit over 16 percent while the average cash advance APR is almost 24 percent. That’s a big difference.Second, there is no way to avoid paying interest on a cash advance. With a standard credit card transaction, there is a 30-day grace period before interest starts to accrue. This is why it’s so important to pay your credit card off every month; it means borrowing money interest-free! But with a cash advance, interest starts accruing immediately. While it’s still a good idea to pay off your cash advance as soon as you can, there’s just no way to avoid paying interest.Lastly, you’ll typically get charged a fee for taking out a credit card cash advance. And it’s not a tiny fee either. The average cash advance fee is usually something like $10 or 5 percent, whichever is higher. That means that a $500 cash advance would cost $25 right off the bat!Does a cash advance have any effect on your credit score?Luckily, a cash advance won’t have any real effect on your credit. They aren’t recorded separately from other credit card transactions on y our credit report, so the credit scoring algorithms have no way of knowing what’s a cash advance and what’s a regular transaction. All they’ll see is a higher credit card balance.If you’re sensing a “but” coming, you are correct. Because, while cash advances won’t get noted on your credit score, a higher credit card balance will get noted and could possibly hurt your score if it grows too large. Your total amounts owed makes up 30 percent of your credit score, so taking out $1,000 cash advance and adding that thousand dollars to your balance could definitely lower your score.And a cash advance definitely won’t help your score. Taking out additional debt and paying more money towards interest just means higher balances and less room in your budget to pay them down. In theory, paying off a cash advance would help your score since it will get noted in your payment history (which makes up 35 percent of your score) but it’s not really going to have any effect. Failing t o pay your bill on time, however, will have an immediate negative effect.Some “cash advance” loans are actually payday loans in disguise.There are several types of no credit check loans that like to call themselves “cash advance” loans, possibly to make them seem more like credit card cash advances. But don’t be fooled.While some bad credit loans, particularly installment loans, can be a useful way to cover emergency expenses, predatory no credit check loans  are anything but. These loans come with much higher interest rates and significantly shorter payment terms, and they pose a much greater risk to your financial future.These loans are typically payday loans or title loans, which can carry annual interest rates anywhere between 250 and 500 percent. They’re meant to be paid back in a single lump sum payment, usually only a few weeks to a month after the loan was first borrowed. These factorsâ€"high rates and short termsâ€"can make these loans exceptionally hard to pay back on-time.These predatory “cash advance loans” could really hurt your score.Here’s the thing: These lenders don’t mind that. In fact, they stand to make a lot more money this way! If you can’t pay their cash advance loan back on time, they can let you roll the loan overâ€"extending the due date in return for paying additional fees and interest. The more you roll the loan over, the more money the lender makes, all without the customer getting any closer to paying off the original loan.While most of these lenders don’t report their loans to the credit bureausâ€"meaning that the loans themselves won’t affect the borrower’s credit scoreâ€"the cycle of debt that these loans can create will certainly affect a person’s creditworthiness. More money going towards interest on a payday loan means less money for other bills and necessary living expenses. Defaulting on your gas bill because you rolled over your payday loan will ding your score for sure!Plus, defaulting on a sketchy bad credit loan could mean getting sent to collections. And that collections agency will definitely report you to the credit bureaus. It’s pretty much a lose-lose!While credit card cash advances are far from a perfect financial solutionâ€"and will not help raise your credit scoreâ€"they are far preferable to “cash advance loans” that are really just payday loans in disguise.To learn about some ways that you can actually improve your credit score, check out these related posts and articles from OppLoans:How to Fix Your Bad Credit in 2018An Apple a Day Keeps the Bad Credit Away*Why You Should NOT Close That Old Credit CardHave you ever had a cash advance drop your score?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.

Constitutional Convention and the Delegates Who Attended

The Constitutional Convention was called in May of 1787 order to make revisions to the Articles of Confederation. George Washington was immediately named the Conventions president. This Articles had been shown since their adoption to be very weak. It was soon decided that instead of revising the articles, an entirely new government needed to be created for the United States. A proposal was adopted on May 30th that stated in part, ...that a national government ought to be established consisting of a supreme Legislative, Executive, and Judiciary. With this proposal, writing began on a new constitution. The meeting of the Constitutional Convention began on May 25, 1787. They met on 89 of the 116 days between May 25th and their final meeting on September 17, 1787. The meetings took place Independence Hall in Philadelphia, Pennsylvania. Twelve of the 13 original states participated by sending delegates to the Constitutional Convention. The only state that did not participate was Rhode Island. They were against the idea of a stronger federal government. Further, New Hampshire delegates did not reach Philadelphia and participate until July 1787. Key Delegates There were 55 delegates who attended the Convention. The most well-known attendees for each state were: Virginia - George Washington, James Madison, Edmund Randolph, George MasonPennsylvania - Benjamin Franklin, Gouverneur Morris, Robert Morris, James WilsonNew York - Alexander HamiltonNew Jersey - William PatersonMassachusetts - Elbridge Gerry, Rufus KingMaryland - Luther MartinConnecticut - Oliver Ellsworth, Roger ShermanDelaware - John DickinsonSouth Carolina - John Rutledge, Charles PinckneyGeorgia - Abraham Baldwin, William FewNew Hampshire - Nicholas Gilman, John LangdonNorth Carolina - William Blount A Bundle of Compromises The Constitution was created through many compromises. The Great Compromise solved how representation should be determined in Congress by combining the Virginia Plan which called for representation based on population and the New Jersey Plan that called for equal representation. The Three-Fifths Compromise worked out how slaves should be counted for representation counting every five slaves as three people in terms of representation. The Commerce and Slave Trade Compromise promised that Congress would not tax the export of goods from any state and would not interfere with the slave trade for at least 20 years. Writing the Constitution The Constitution itself was based on many great political writings including the Baron de Montesquieus The Spirit of the Law, Jean Jacques Rousseaus Social Contract, and John Lockes Two Treatises of Government. Much of the Constitution also came from what was originally written in the Articles of Confederation along with other state constitutions. After the delegates finished working out resolutions, a committee was named to revise and write the Constitution. Gouverneur Morris was named the head of the committee, but most of the writing fell to James Madison, who has been called the Father of the Constitution. Signing the Constitution The Committee worked on the Constitution until September 17th when the convention voted to approve the Constitution. 41 delegates were present. However, three refused to sign the proposed Constitution: Edmund Randolph (who later supported ratification), Elbridge Gerry, and George Mason. The document was sent to the Congress of the Confederation which then sent it to the states for ratification. Nine states needed to ratify it for it to become law. Delaware was the first to ratify. The ninth was New Hampshire on June 21, 1788. However, it wasnt until May 29, 1790, that the last state, Rhode Island, voted to ratify it.

Historical Cost and Fair Value - 1733 Words

Abstract This paper is written for the accounting theory course as a course project. This paper discusses the differences between the historical cost accounting approach and the fair value accounting approach. The discussion will focus on the debate on using which accounting approach. We begin by stating the definitions of both concepts and discussing them thoroughly, then we state the main advantages of the two approaches followed by comparison between them. The last section of this paper discusses the disadvantages of each approach, including the main criticism points against them. In the end, we draw a conclusion on the best approach to be used in the Accounting profession based on the previous discussion. Introduction†¦show more content†¦When fair values are estimated using unadjusted or adjusted market prices, they are referred to as mark-to-market values. If market prices for the same or similar positions are not available, then firms must estimate fair values using valuation models. FAS 157 generally requires these models to be applied using observable market inputs (such as interest rates and yield curves that are observable at commonly quoted intervals) when they are available and unobservable firm-supplied inputs (such as expected cash flows developed using the firm’s own data) otherwise. When fair values are estimated using valuation models, they are referred to as mark-to-model values. Advantages of Historical Cost Supporters of Historical Cost Accounting argue that this method has several advantages that make it popular. Some advantages are discussed below. * Historical cost is based on actual, not merely possible, transactions. It is the acquisition price of the assets. The managers only have to record all the assets and liabilities at their acquisition price. Hence they are measured and reported objectively. Historical cost is therefore basically verifiable. Thus, this minimizes the risk of manipulation of figures by the managers. * Historical cost has survived the test of time. Most users of accounting data believe that accounting income is useful and that it constitutes a determinant of the practices and thought patterns of decision makers. * Historical cost is an easierShow MoreRelatedHistorical Cost vs. Fair Value695 Words   |  3 Pagesuseful to investors, creditors and others in making rational economic decisions. One accounting issue that has been debated on a lot is the historical cost method versus the fair value measurement. The historical cost method has been the basis of GAAP accounting for the past decade but has slowly been disappearing. Today it is starting to be replaced by the fair value method of accounting. When choosing a valuation method, it seems that there is a tradeoff between the two fundamental qualities of accountingRead MoreFair Value And Historical Cost Controversy2400 Words   |  10 PagesFair Value versus Historical Cost Controversy Over the past several years, there has been a growing controversy over the accounting issues of fair values and historical cost. The basis of this controversy revolves around which one of these principles is the most accurate. There are many different viewpoints on this issue. Many accounting professionals believe that fair value is just as accurate as the historical cost principle, while others believe that the historical cost is more reliable. TheRead MoreFair Value vs. Historical Cost Accounting1188 Words   |  5 PagesDifference between historical cost and fair value accounting In order to make the most profitable and rational decisions entity’s stakeholders have to evaluate organisation’s financial statements. Today’s world of rapidly changing prices has made it difficult to estimate what something is actually worth. Thus leading to debates at what price – historical costing price or market value – assets and liabilities should be reported. Therefore, before making any evaluations about reported transactionsRead MoreComparative Analysis Of Fair Value And Historical Cost Accounting On Reported Profit1659 Words   |  7 PagesTitle: Comparative Analysis Of Fair Value And Historical Cost Accounting On Reported Profit: A Study Of Selected Manufacturing Companies In Nigeria. (BESSONG, 2012) Study the importance of historical value and fair value cost accounting on reported profit. The study discussed how fair value accounting and historical cost accounting will have effect on the reported profit. However it is said that key objective of any business is to earn profit and it is also equally important to report the profitRead MoreThe principle of historical cost is still used in accounting when there is a large measure of agreement that it is inappropriate. Discuss.1226 Words   |  5 PagesSynopsis. Historical Cost Accounting is a traditional valuation method as it reflects only on the past cost of the asset, however in the contemporary business environment companies must remain flexible and transparent. This belief has lead to the creation of several other valuation methods, due to word constraints I have focused primarily on Fair Value Accounting as an alternative to Historical Cost Accounting. Although Fair value accounting is a theoretically superior valuation methodology, thereRead MoreAdvance Issues In Accounting1743 Words   |  7 Pagesi.e. historical costs based on the measurement of assets and liabilities at purchase price /costs which is incurred at the moment of the purchase, and the fair value measurement method which is based on market prices. The basis of accounting measurement is considered to be undertaken in the following methods: †¢ Historical Cost †¢ Fair Value †¢ Realisable value †¢ Value in use †¢ Current Cost All the above measurement bases forms the part of accrual accounting. It is measured when the cost is incurredRead MoreThe Impact Of Fair Value Accounting On Real Estate Companies1497 Words   |  6 PagesTHE INFLUENCE OF FAIR VALUE ACCOUNTING ON REAL ESTATE COMPANIES : BASED ON HONG KONG LISTED COMPANIES (PROPOSAL) BY ZHANG MUDI DEBBIE 12250511 ACCOUNTING CONCENTRATION GAO JIAYI CINDY 12250295 ACCOUNTING CONCENTRATION An Honours Degree Project Submitted to the School of Business in Partial Fulfillment of the Graduation Requirement for the Degree of Bachelor of Business Administration (Honours) Hong Kong Baptist University Hong Kong January 2016 Table of Content Read MoreThe Impact Of Fair Value On Financial Reporting Essay1529 Words   |  7 Pagestoday’s time in the world of accounting is fair value. However, one common point of confusion is the scale of businesses affected by fair value, and when fair value came onto the scene. According to Robert Herz and Linda MacDonald â€Å"...the use of fair value in financial reporting is not new. In fact, it has been in place for decades, principally for financial assets. But even then, fair value is not required for all assets.† (2008) The idea of using fair value measurements goes back at least to the 1930’sRead MoreAccounting Theory 41063 Words   |  5 PagesFair value or false accounting 1. How are assets and liabilities measured under IAS 39? Answer: According to IAS 39, Financial Instruments: Recognition and Measurement, financial instrument are to be stated at their ‘fair value’- defined as ‘the amount for which an asset could be exchanged, or a liability settled, between knowledgeable, willing parties in an arm’s length transaction’. ‘If the market for a financial instrument is not active, an entity establishes a fair valueRead MoreAccounting Treatment Adopted By The Elements Of The Financial Statement Influences Accounting Information Produced Essay1669 Words   |  7 Pagesfinancial report, particularly the use of mixed measurement methods that involving historical cost and fair value model. This report evaluates the choice to use single measurement type or mixed measurement method by discussing the strengths and drawbacks based on prior studies. Furthermore, this report gives highlights of the impacts of fair value in the financial institution. Keywords: Measurement, Fair Value, Historical Cost Introduction Purpose. The objective of this report is responding to a recently

Criminal Acts and Choice Theories Free Essays

Criminal Acts and Choice Theories CJA/204 December 13, 2011 Bob Bennett The choice theory has a substantial part to perform when contemplating the argumentation proceeding to criminal vivacity. The choice theory has its intrinsic significance while composing a plan of action for managing or decreasing crime. It is essential to recognize the theory and in what way or manner it influences the potential of an individual engaging in lawlessness and in what manner would an effort to manage crime appear supporting the choice theory. We will write a custom essay sample on Criminal Acts and Choice Theories or any similar topic only for you Order Now The choice theory has been brought to light from the compositions of antecedent theorists, Jeremy Bentham, and Cesare Beccaria. The affects of the choice theory determines how mankind discourages criminal activity (Schmallager, 2009). Within criminology the choice theory is also distinguished as the classical theory. The principle idea of the classical theory is that individuals cull behavior with the addition of criminal conduct. Individual powers of selection can be managed by multiple determinants such as the apprehension of castigation or the benefits achieved by committing a crime or illegal activities, which indicates that the more harsh, definite, and prompt the punishment, the better the chances to manage criminal conduct. The choice theory mentions that castigation should maintain four predominant ambitions. The first ambition is to use punishment to hamper criminal activity from occurring. A secondary principle maintains that when a crime cannot be hindered, the punishment should impel the offender to perpetrate a minor crime instead. The third ambition is to make certain that the offender applies no more violence than needed during a crime. The final objective is to counter crime as economically feasible. Rational choice is the judgment to perform a distinct kind of lawlessness or illegal activity established on the careful consideration of accessible information, combined with the element of personal judgment. The ational choice theory contains an outlook of crime that continues to be both offense and offender explicit. Offense-explicit lawlessness relates to crimes, where perpetrators will respond to selective attributes of specific offenses. Offender-explicit offenses relate to the reality that perpetrators are not easily provoked individuals who obligate him or her selves to antisocial behavior. Rather, he or she deliberate about whether they retain the prerequisi tes required for performing a lawless act that include their needs, ingenuity, talents, and apprehension level before determining to act out a crime. Choice theorists believe that criminal conduct is a personality characteristic and crime is a happening or event. Offenders recognize the freedom of mobility and privation of social restrictions. In contrast to other individuals, offender-explicit individuals have diminished self-control and seen unaffected by the intimidation of social controls. He or she is usually dealing with stress or is commonly confronted with severe personal complications or circumstances that drive them to adopt perilous behavior (Schmallager, 2009). Choice theorists have also examined the choice to perform a lawless act, regardless of its element, is contrived by the choice of location. The determination will rely upon the features of the mark and the methods available to execute the plan. It has been determined that offenders choose the location by the accessibility and ease of committing a crime with thoughts about the possibility of getting caught. Offenders pick their targets by pondering the character of the crime. A perfect example of this is how offenders will choose higher class households for burglaries or robberies, whereas he or she will select lower class households for the target of violent crimes such as in drug robberies from drug houses. Criminals learn the techniques of crimes to aid them in non-detection (Schmallager, 2009). Routine activities can be defined by the choice theory when discussing crime. Crimes rates correlate to the number of inspired criminals such as male teenagers, drug consumers, and unemployed individuals who partake in criminal activity. Most offenders commit crimes based on his or her narrow education, background, and lack of opportunities because of their education. If offenders were given the opportunities to improve themselves, he or she would not commit crimes. The rational choice theory includes the organization of crime and the molding of criminality (Schmallager, 2009). Society uses a couple of common models to decide which acts are determined to be criminal acts. The two models within the criminal justice system are consensus model and conflict model. Consensus model is defined as majority of individuals in a society who share the same values and beliefs. Criminal acts conflict with consensus values and beliefs, and here the term ‘conflict model’ comes into play. The consensus model explains that individuals within a society will agree on which activities should be considered against the law and will publish them as crimes. The consensus model assumes that a diverse group of individuals can have similar morals and beliefs. The consensus model presumes that when individuals stand together to form a society; the members will come to a fundamental agreement with the observance of shared norms, values, and beliefs. Individuals whose actions deviate from the standard norms and recognized values, and beliefs are considered to be a threat to the well-being of society, and must be punished. Societies pass laws to control and impede deviant behavior, which in return establishes boundaries for appropriate behavior within the society (Schmallager, 2009). The conflict model establishes those who reject consensus on the foundation that morals, norms, ideas, values, or behaviors are not absolute, meaning, multiple parts of society hold different ideas about value and norm systems. The conflict model carries diverse segments, which are separated into age, social class, race, and income. Those who engage in the idea of the conflict model are in a constantly struggling with one another for control of society. Those who successfully grasp control make the laws with his or her value system, and determine what is criminal and what is not (Schmallager, 2009). Resources; Schmallager, F. (2009). Criminal Justice Today, 10th ed. Upper Saddle River, N. J. Pearson/Prentice Hall How to cite Criminal Acts and Choice Theories, Papers

Luis Fernando Sobrino Chile Essays - Disability,

Luis Fernando Sobrino: Chile Are there any laws with provisions and inclusive education? law of social integration of people with disabilities- Law number 19.284, also the law 20,422 notes that the State has an obligation to promote the Inclusion of Persons with Disabilities. What is the estimation of children with a disability in your country? 300, 000 An estimation says that there are 330,000 children in Chile that have a disability, there are no public schools where they can assist to, of that estimation only 50,000 have a special education program. What could your country do to increase the number of children that doesn't go to school because of their disease? http://portales.mineduc.cl/usuarios/edu.especial/doc/201304151207310.doc_Inclusion_Unicef.pdf What is the rate of people with one or more disabilities in your country? 2.119.316 person s, an equivalent of 12,7 percent of the country Which are the regions with most cases of disabilities in your country? ysen (14.538 habitantes), Magallanes (18.710 habitantes) y Arica y Parinacota (27.415 habitantes). http://www.senadis.gob.cl/sala_prensa/d/noticias/2990/censo-2012-en-discapacidad-revela-que-las-personas-con-discapacidad-son-el-principal-grupo-vulnerable-en-chile Are there any helping programs in your country that gives children a proper education? Example : Yes, the PAED Programa de Apoyo a Estudiantes en Situacion de Discapacidad at the university of Chile Does your country count with specialized cars for people with disability? An if you have do you need a license? Yes they have laws 19.284, also the law 20,422 that approve that people with a disability (they have to pass an exam of consciousness first) can drive a car. They don't need license. http://www.paritarios.cl/actualidad_discapacitados_vehiculos.htm