Denied SSD Applicants Face Economic Challenges

Denied SSD Applicants Face Economic Challenges Few Alternatives in the Face of SSDI Denials A new study examined economic outcomes of Social Security Disability Insurance (SSDI) applicants denied benefits by the Social Security Administration (SSA). Findings indicate such applicants suffer economic harm and fare poorly in the job market. A detailed article on the findings appears here.Older SSDI applicants denied benefits due to stringent SSA standards go on to struggle with greatly decreased earnings in the job market. Though disability causes applicants economic harm, most are denied benefits at first. Without an appeal, these applicants face dim prospects going forward.About SSDIThe SSA provides SSDI to those who have worked, paid into the system, and suffered a disability that leaves them unable to work. SSDI benefits carry over until the recipient reaches retirement.About the StudyResearchers Jody Schimmel Hyde and April Wu of Mathematica tracked a group of applicants who were initially denied SSDI benefits through SSA. Among the sample group studied:All applicants wer e at least 50-years-oldThe average age of the group was 59 yearsEach had worked enough hours to qualifyMost worked five years before applyingFew worked for five years after denialOver 50% of the sample group eventually received benefits before reaching their full retirement age, including successful appeals, new applications, or reduced benefits at early retirement.About the FindingsThe study shows poor economic outcomes for those denied benefits. For those who came close to qualifying, too disabled to return to their jobs, yet capable of other work, employment numbers fell off sharply. This confirms a 1989 Government Accountability Office (GAO) study in which few people denied SSDI benefits ever worked again, and those who returned to work saw declining wages and high poverty. A summary of studies from 2011 and 2015 supports these findings.We Can HelpIf you are disabled and unable to work, call Disability Attorneys of Michigan for a free confidential consultation. We’ll let you know if we can help you get a monthly check and help you determine if any money or assets you receive could impact your eligibility for disability benefits.Disability Attorneys of Michigan works hard every day helping the disabled of Michigan seek the Social Security Disability and Veterans Disability benefits they need. If you are unable to work due to a physical, mental, or cognitive impairment, call Disability Attorneys of Michigan now for a free consultation at 800-949- 2900.Let Michigan’s experienced disability law firm help you get the benefits you deserve.Disability Attorneys of Michigan, Compassionate Excellence. Michigan Social Security Disability Lawyer, Michigan Social Security Disability Lawyers, Social Security Disability Benefits

Predicting Spanish Nouns From Verbs

Predicting Spanish Nouns From Verbs In English, it is very common for the same word to be used as both noun and verb. For example, the verb trust can also be a noun, as can the verb help. But, except with infinitives, the relationship between verb and noun isnt as straightforward. The noun form for help is ayuda, which is very close to the verb, ayudar. The same is true of trabajo (job or work as a noun) and trabajar (verb). But in the case of trust, the forms are confiar (verb) and confianza (noun). About the best that can be said is that its extremely common for nouns and verbs to share the same stem. Sometimes, as in the examples of trabajo and ayuda, the noun is made up basically of the stem with an ending that marks it as a noun (its probably just coincidence that trabajo and ayuda also have the form of a conjugated verb), while in other cases the stem is followed by a suffix, as in the case of confianza. (-Anza is a not-so-common noun suffix; the related verb is confiar means to trust.) In other words, the nouns related to verbs seem arbitrary. Here are just a few examples of some noun forms of common verbs: cantar (to sing) - el canto (song, the act of singing)decir (to say) - el dicho (saying)estar (to be) - el estado (state of being)hablar (to speak) - el habla (speech)perder (to lose) - la pà ©rdida (loss)preferir (to prefer) - la preferencia (preference)sentir (to feel) - el sentimiento (feeling)tener (to have) - la tenencia (possession)ver (to look) - la vista (vision, view) Good luck finding much of a pattern there! (In most cases, there are also other noun forms not listed above.) Clearly, there are some nouns that are derived from past participles, but its still unpredictable whether the participle will be modified (as in pà ©rdida) or which gender it will be. Keep in mind also that many Spanish infinitives can function as nouns, and some of them quite commonly so. For example, the verb poder (to be able) can be used as a noun to mean power, and saber (to know) can be used as a noun to mean knowledge. As you continue to use the language, youll learn the nouns on their own and youll no longer have to predict what they might be. Also, if you come across an unfamiliar noun (or verb), you may be able to guess its meaning if you know the related word.

Food additives used in the meat industry Essay Example | Topics and Well Written Essays - 2000 words

Food additives used in the meat industry - Essay Example n food, clothing, and other facets of living, then there grew the effort not just to ban those harmful ingredients, but also to scrutinize any manmade products that altered the natural composition of things, especially food products. This has lead to the food industry, and especially the meat industry, which is already coming under fire from vegetarians and naturalists, to consider alternatives to food additives whenever possible. It is not, however, always possible to eliminate entirely food additives, because, first, they are necessary, and, secondly, they are not necessarily harmful to human consumption. Still, the controversy goes on. Food additives, including those added to meat products, and are used for the purpose of preserving the food or meat product in order that it might retain its flavor while being transported to destinations, which are often long distances from the point of production (Goldstein Chandler, Myrna and Goldstein, Mark A., M.D., 2002, 1). In the United States, since 1958, the Food and Drug Administration (FDA) must approve all food additives (Goldstein and Goldstein, 2). There is a list of five reasons that the Center for Food and Safety and Applied Nutrition lists as justifying the of meat additives (Goldstein and Goldstein, 2). 1. â€Å"To maintain product consistency. Emulsifiers give products a consistent texture and prevent them from separating. Stabilizers and thickeners give smooth uniform texture. Anti-caking agents help substances such as salt to flow freely. 2. To improve or maintain nutritional value. Vitamins and minerals are added to many common foods, such as milk, flour, cereal and margarine to make up for those likely to be lacking in a person’s diet or lost in processing. Such fortification and enrichment has helped reduce malnutrition among the U.S. population. All products containing added nutrients must be appropriately labeled. 3. To maintain palatability and wholesomeness. Preservatives retard product

Pursuasive Essay Example | Topics and Well Written Essays - 750 words

Pursuasive - Essay Example Even then, he chose his words carefully by calling this phenomenon, ‘global climate change.’ In 1997, the Kyoto Treaty, which has now been signed by more than 160 countries, is, to date, the most comprehensive global effort to decrease CO2 emissions. Though the agreement was signed by the U.S. and then President Clinton consented to decrease greenhouse emissions in the U.S. by 40 percent, it has been dismissed by the Bush administration and has yet to be ratified by the U.S. CO2 greenhouse gases have since increased in the country that produces well more than any other (Melinin, 2005). Unfortunately, the country that causes the most harm is lead by a person that seems to have ‘cause the most harm’ as his calling card. The solution to automobile emissions may lie in alternative fuels. Promising future alternatives to crude oil, vegetable oil can be substituted for diesel fuel while ethanol is an effective gasoline additive. Brazil began converting to ethanol in the 1970’s and today does not import a drop of oil. Britain and other countries of Western Euro pe are following suit. Iceland is already well on its way to becoming the first nation to generate its power needs by means of hydrogen fuel-cells and France is leading the way in building nuclear power plants (â€Å"Alternatives to Oil†, 2002). The scientific community agrees that global temperatures are rising due to the burning of fossil fuels which are damaging the protective atmospheric Ozone layer by changing its composition. Human pollution is changing the climate of our earth and has increased global warming in the past half century. The film by Al Gore An Inconvenient Truth is pointed directly at citizens and politicians of the U.S. who, for reasons unknown to Gore and the rest of the civilized world, are either unaware or deny global warming exists except in the mind of liberal environmentalists. To this end, Gore attacks the misconceptions perpetrated by large

Recommendations to the Wallace Group Essay Example for Free

Recommendations to the Wallace Group Essay Mr. Wallace, I have concluded my interviews with your team and have a list of recommendations based on priorities. The recommendations are unbiased and not intended to be personal attacks on the current management; they are based on the sound management principles and intended to maximize your company’s potential. a. Realign the corporate structure. Begin by recruiting a new board of directors using outside directors, â€Å"executives of other firms but are not employees of the board’s corporation†1, in addition to a limited number of management directors from inside the company. This combination of three companies working as independent entities is not working, they must be integrated and a different management organizational structure must be implemented. This group will be able to accomplish the next recommendation. b. Develop a mission statement and goals. The company must embark upon strategic management planning. This will include: †¢Clearer sense of strategic vision for the firm †¢Sharper focus on what is strategically important Improved understanding of a rapidly changing environment1 The Wallace group lacks vision and goals for its divisions and this leads to a lack of direction for the management team. A mission statement â€Å"defines the fundamental, unique purpose that sets a company apart from other firms of its type and identifies the scope of the company’s operations in terms of products offered and markets served†1. This business must develop a corporate wide strategic management plan to set a direction for the company and its shareholders. A part of this management planning would consist of SWOT analysis, strategy formulation, implementation and evaluation. This process is often referred to as Plan – Do – Act – Check or PDAC and is a continuous process. Making a profit today is not enough; there has to be an evaluation of where the company is now, where will it be in 2, 5, 10 years and how the company will attain those goals. c. Change the organizational chart: There needs to be an in-depth evaluation of the personnel currently in place. The current chart is one of vertical structure and should be revamped to be more horizontal. This accomplishes the goals of empowerment and coordination between the divisions. A glaring problem is the VP of the chemical division, J. Luskics, as he was the former owner that guided the company into foreclosure and appears to not be running the division efficiently now. The chemical division is not even internally competitive for the plastics or electronics divisions. Mr. Luskics should either be bought out of the company or reassigned to a position that he might be successful. There also is a redundancy among positions in the company, for example there are three directors of industrial relations, these positions should either be combined or incentivized to cooperate in the best interest of the company. d. Personnel development. There is no apparent leadership development in place and the company has relied on promoting technical staff to management positions which many are not equipped to handle. There needs to be a leadership development series initiated, leadership retreats to communicate and encourage relations amongst the teams, and perhaps some Management Assessment of Proficiency (MAP) testing to asses the current management team. Management development and succession planning must be implemented to ensure long term success. Job responsibilities need to be developed and implemented for all positions but specifically for the management team; including specific goals, budgeting, forecasting (long range planning), training, and staff satisfaction. . Communication. The lack of clear strategies, long term plans, goals and objectives has led to the recent revolt at the stockholders meeting. This is a clear indication of the frustration felt from the staff level up and the new direction of the company must be clearly communicated to all staff. Enthusiasm is contagious and the presentation of a new course for the company will be very exciting for staff. Employee surveys, sugges tion boxes and an engaging of the front line staff will do much to improve morale and spark improvements. I would like to commend you sir for creating a successful company but I do believe there are concrete steps that you can take to improve the future of this company. Mr. Wallace I believe the development of a vision will produce great results, with this vision you will attract personnel that want to be a part of a great company and profits for all involved will naturally follow. Remember â€Å"Visionary companies make some of their best moves by experimentation, trial and error, opportunism, and – quite literally – accident†2. I estimate that this plan of action will initially cost $1. 5 million but there will be cost savings realized in personnel reassignments, recruitment and retention, productivity, and a renewed sense of commitment that will be reflected in profits far surpassing the costs.

Echo Personality Disorder :: essays research papers

Echo Personality Disorder is a specific and highly differentiated form of dependency, marked by behaviours of compliance and a need to 'mirror' significant others -parents, spouse, friends, employer. It has been found that those with EPD are highly attracted to relationships with individuals who show marked narcissistic tendencies. This mirroring behaviour was the reason for choosing the name Echo personality disorder, which is based on the Greek myth of Narcissus and Echo. In this story Echo, a forest nymph, falls completely in love with the egocentric youth Narcissus, and when he shows clear signs of rejecting her, she persists in her attatchement to him and will not be moved from her aim. She finally satisfies him with the masochistic task of echoing back to him all that he says. This too is the central feature of EPD behaviour in relationships, where the individual will mirror, echo, and compliment another at the expense of their own self-worth and dignity. Self descriptions by EPD sufferers focus strongly on percieved fears of abandonment, rejection, and loss, and these agonizing feelings are the driving force behind the above-mentioned interpersonal coping style (mirroring others). These individuals protect themselves from abandonment/rejection by being so agreeable to others, via their mirroring capacity, that chances of re-experiencing abandonment agony is brought to a low minimum. Unfortunately this approach amounts to a false existence with little or no true self expression, and eventually leads to poor psychological health. Characteristic experiential history for EPD often involves individuals being parented by caretakers who are themselves self-absorbed or narcissistic. In this environment the child learns that asserting ones true self will be met with a form of (often serial) rejection, to which they respond by substituting compliant behaviour in place of true selfhood. This 'compliant' behaviour can then be witnessed as a stable feature throughout the childs growing-up years, with other school children, and within the family. Depression, smoking, alcoholism, addictive behaviour all occur with very high frequency in this disorder. On a positive note, EPD people are excellent contributors to society, and to family, as they are found to be very perceptive of the needs of others.

A Blessing James Wright Essay

In the poem â€Å"A Blessing,† James Wright analyzes the relationship between human beings and nature through the descriptive explanation of an encounter between his friend and himself and two Indian horses. He shows that although we are able to relate and interact with the animals we don’t have the ability to join them or as Wright puts it: â€Å"break into blossom† (26-27). Wright uses imagery and personification to describe the nature he witnesses as he escapes from the stress of human life. The ponies in this poem are personified by comparing them to human beings, mainly through the description of their emotions. This personification lessens the gap between the author and the horses and separates him from civilization represented by the highways of Rochester, Minnesota. As the poem goes on the differences between the humans and nature start to fade away as they begin to interact. When the poem opens we see the harsh contrast between the highways of human civilization and the imagery being used to describe setting of the encounter between the humans and nature, or the horses. See more: Examples of satire in adventures of huckfinn essay The horses welcome the writer and his friend, which is shown through personification. The writer and his friend â€Å"step over the barbed wire into the pasture† (7) and meet the lonesome horses that have been alone all day. The barbed wire serves as a figurative barrier between the human world and the natural world of the horses in the pasture. The simile: â€Å" they bow shyly as wet swans† (12) describes the ponies and shows the beauty and elegance of the ponies in their natural environment. The ponies are at home in their environment as â€Å"they begin munching on the young tufts of spring in the darkness† (15). The author is also starting to feel more comfortable in the natural world, on the other side of the barbed wire. Wright describes the beauty of the horses using imagery of their mane and their colors. The writer is so drawn in by this beauty in the horses that he desires to become a part of them and â€Å"hold the slenderer one† (18). This shows the merging of the two groups into one happy combination of the two. This point is proved further as â€Å"A light breezes moves [the author] to caress [the ponies] long ear† (23), showing that nature itself is encouraging the merging of the two sides, because the wind encourages the hand to pet the horses ear. Another simile is used to describe the horse’s ear â€Å"as delicate as the skin over a girl’s wrist† (24), again blurring the line between human and nature. Finally Wright comes to the realization that if he were â€Å"blessed† enough he would be able to step out of his body and break into blossom, thus becoming a part of nature. But, he realizes that is past the realm of reality and therefore cannot be done. Wright examines the relationship of human being and nature using his descriptive language including such devices as imagery and similes. Wright sees the idea of nature and humans joining as one as a possible feat and he shows this though his written experience with these Indian ponies. He initially shows the contrast of the two worlds, but they grow on each other and end up becoming one. Wright sees the loneliness of the ponies, gains their affection, as the ponies are very welcoming. He ultimately ends up wanting to join them by being able to â€Å"break into blossom† (26-27), but he is unable to do so because he reached the maximum threshold of the union between humans and nature. Which brings us back to the Wright is able to disregard the average day for humans and take a day to appreciate the true value of nature in its raw form while ignoring the troubles of the human world. With this he creates a memorable analysis of the relationship between humans and the natural world.

Accounting Essays – BT Cashflow Changes

BT Cashflow Changes.BT Group ( BT ) is the taking UK company supplying landline telecommunication services and equipment. It besides had the nomadic telecommunication concern which was later sold as MMO2. After the sale of nomadic concern, BT ‘s profile has now changed from a growing company to a mature hard currency bring forthing company. A )Fiscal public presentationThe most common nonsubjective appraisal of the fiscal public presentation of a house is the return it generates on its assets and the measure and quality of the returns. Measure is measured by the absolute and per centum alteration in entire net incomes. The net income and loss history of an administration and its analysis are the premier and first indexs of a house ‘s fiscal public presentation. The latest one-year consequences of BT is for the period stoping 31 March 2005. Appendix I shows the sum-up of cardinal net income and loss figures over the last three old ages. BT ‘s turnover and net income after revenue enhancement in 2005 have increased as compared to 2004 but are still lower than those in 2003. The turnover has declined by 5.7 % merely whereas net income after revenue enhancement has declined by 32.7 % over the two twelvemonth period. This shows that the concern has really low variable costs which is in line with the heavy fixed cost investings usually made by telecommunication companies in set uping their webs and subsequent really low variable costs in transporting informations. While turnover increased in 2005, runing net incomes have declined. This indicates that the concern is confronting some pricing force per unit areas or is passing more on advertizement as the operating net income declined by 0.5 % merely. BT ‘s 2005 net income after revenue enhancement was & A ; lb ; 1,820m and was well higher than & A ; lb ; 1,406m. Though the absolute net income is really high figure compared to most of the concerns and indicates that the company is in strong fiscal place, it besides shows that BT has high fiscal purchase. The company paid a important high involvement and if grosss and operating borders come under more force per unit area, it could hold problem paying involvement costs. BT is cognizant of this issue and has focused on cut downing its net debt. After confronting tough times in early 2000s, it has sold many old investings to raise money for refunding debt. BT ‘s portion monetary value rose after it announced its strategic determination to cut down net debt by raising money through divestments. The net involvement payments have declined from & A ; lb ; 1,439m in 2003 to & A ; lb ; 801m in 2005. Not merely that, the net involvement payment has declined from 49.5 % of operating net income to 29.0 % from 2003 to 2005. The decrease in net involvement as a per centum of operating net income is an of import betterment as it gives investors comfort that even if operating borders come under force per unit area, the company would still be able to run into its involvement liabilities. One speedy manner to analyze a company ‘s public presentation is to look at the net incomes per portion form. The net incomes per portion had besides a alteration form similar to that of net income after revenue enhancement. It foremost decreased from 31.4p in 2003 to 16.4p in 2004 before increasing to 21.4p in 2005. The 2005 addition in net incomes per portion highlights the betterment in public presentation. Though the net incomes did lessening in 2004, BT kept on increasing entire dividend paid to stockholders. This shows the direction ‘s religion in concern traveling frontward and its ability to run into higher dividend outlooks in future. The returns generated on assets is measured by Return on Capital employed ( ROCE ) . Appendix II shows the computation of ROCE for BT. BT had a healthy ROCE of 19.0 % and 20.7 % in 2004 and 2005. The quality of returns is measured by their consistence and by the spread of net incomes, i.e. , the per centum of net incomes being generated from different divisions and locations. The less trust of net incomes on any one division and/or location means the company is in better form to defy downswings in its markets. None of BT ‘s concern contributed more than 50 % in its turnover in the twelvemonth ended 31 March 2005 ( BT, 2005 ) . This indicates that BT Group is moderately good protected from the diminutions in a concern line. The state of affairs is somewhat different if we look at the operating net incomes where BT Wholesale division contributes more than 50 % of net runing net incomes. Any more border force per unit areas in this concern could cut down future net incomes. Most of BT ‘s net incomes originate from UK and hence it net incomes are susceptible to alterations in UK economic system. Fiscal placeThe fiscal place of a company covers its fiscal construction, its assets and liabilities, its liquidness and hazard direction attack ( Accounting Standards 2004/2005 ) . Appendix III gives the high spots of BT Group ‘s balance sheet from 2004 to 2005. The entire fixed assets have increased by & A ; lb ; 639m in the last twelvemonth. While entire fixed assets have increased, the entire current assets have decreased by & A ; lb ; 254m, so entire assets have increased by & A ; lb ; 385m. The lower addition in entire assets as compared to increase in fixed assets is chiefly due to diminish in hard currency and investings. The major alteration in fiscal construction has occurred on the liabilities side. The entire current liabilities have gone up by & A ; lb ; 3,938m due to increase in current loans and adoptions of & A ; lb ; 3,227m. This shows that BT is financing much more of its assets from current adoptions. The monolithic addition in current loans and adoptions has reversed the net current assets ( liabilities ) place. BT had net current assets of & A ; lb ; 2,027m in 2004 and had net current liabilities of & A ; lb ; 2,165m in 2005, a net lessening in current assets of & A ; lb ; 4,192m. While the current liabilities have increased, the long term creditors have decreased by & A ; lb ; 4,335m. If we merely look at long-run creditors, the decrease is impressive and it gives more assurance to the investors that company is in better fiscal place now. But when we combine the lessening in long term creditors with the addition in current liabilities, the net alteration is really less. And the fact that alterations in current liabilities is chiefly due to borrowing alternatively of addition in trade creditors means that the funding of assets has simply shifted from long term adoptions to short term adoptions. The current assets to current liabilities ratio has declined from 1.24 to 0.83 in the last one twelvemonth, a mark of concern in footings of liquidness particularly when the addition in liabilities is non chiefly due to higher trade creditors. Debt to equity ratio indicates the funding of assets. BT had entire debt of & A ; lb ; 13,697m in 2004 and the corresponding figure for 2005 was & A ; lb ; 12,589m, a lessening of & A ; lb ; 1,108m. If we now exclude hard currency and short term investings from entire debt, BT ‘s net debt was & A ; lb ; 8,425m and & A ; lb ; 7,786m in 2004 and 2005 severally. The net debt to book value of equity ratio declined from 2.75 in 2004 to 2.02 in 2005. This means that debt fundss about twice assets as being financed by equity. Higher sum of debt consequences in lower leaden mean cost of capital as debt is cheaper equity. But as BT reduces more debt, its leaden mean cost of capital will increase. The addition would be partly offset by lower cost of equity due to take down opportunities of bankruptcy. Hazard of bankruptcy is measured by involvement screen ratio which is defined as the ratio of hard currency available for involvement payments to net involvement. Appendix IV shows the EBITDA computation and involvement screen ratio. The involvement screen ratio has increased from 6.1 in 2004 to 7.0 in 2005. The healthy involvement screen ratio shows that BT has farther reduced the hazard of bankruptcy and is in better fiscal place now. The debt degree is now really much within manageable degrees and is more like a hard currency rich mature company. Companies usually tend to follow certain dividend tendency to signal market of their appraisal of future net incomes. Dividend declaration is besides portion of hazard direction as it is based on direction ‘s appraisal of future hard currency coevals and outgo outlooks. The hiking in dividend in 2004 and 2005 inspite of diminution in net incomes in 2004 shows the direction appraisal of future low hazards to hard currency flows. Fiscal AdaptabilityAn entity ‘s fiscal adaptability is its ability to take effectual action to change the sum and timing of its hard currency flows so that it can react to unexpected demands or chances ( Accounting Standards 2004/2005, page 26 ) . Appendix V shows the chief elements of amalgamate hard currency flow statement of BT Group. BT Group is bring forthing high sums of hard currency influx from operating activities. During the twelvemonth ended 31 March 2005, the company generated & A ; lb ; 5,900m of net hard currency from operating activities. BT is in telecommunication concern which demands comparatively high degree of absolute investings. It spent & A ; lb ; 2,408m on capital outgo during the twelvemonth ended 31 March 2005. Even if we believe that all of capital outgo was required under normal operations, BT was still left with & A ; lb ; 2,282m of excess hard currency in 2005. As we can see from the Appendix III that BT has now focused on refund of loans. During the last three old ages, the company has reduced adoptions by & A ; lb ; 7,395m. Though BT is able to bring forth important sum of hard currency before disposals but that was non plenty in 2003 and 2004 to refund loans. The company so sold some of its investings to bring forth hard currency for loan refunds. BT besides pays a important sum of dividend to its stockholders. So if its cyberspace hard currency from operations do diminish in future, it has still some buffer in footings of dividend payments to take attention of loan refunds. B )The aim of fiscal statement is to supply information about the coverage entity ‘s fiscal public presentation and fiscal place that is utile to a broad scope of users for measuring the stewardship of the entity ‘s direction and for doing economic determinations ( Accounting Standards, 2004, page 22 ) . The conformity of an entity ‘s fiscal studies with UK ‘s Accounting Standards can be gauged over two chief countries – content and format. Content is of import to give true and right image of a house ‘s fiscal public presentation and place. Different users need different information. Fiscal statements are used by investors to establish their investing determination. So it is of import that fiscal statements have the right content to assist accomplish this end. It is besides of import to hold right format of presentation. Investors are more likely to experience comfy if they see familiar presentation manner and can so measure the company easy. We will look at the content and major fiscal statements to see whether they comply with UK Accounting Standards. We will so besides at few extra notes to fiscal statements to see whether they are besides in line with true and just rule and give the readers a clear image of the entity. First of all we compare net income and loss statement with FRS 3 ‘Reporting fiscal public presentation ‘ . BT ‘s amalgamate net income and loss statement clearly shows the entire turnover and portion from joint venture and associates, and in making so gives more lucidity of its gaining base. The fiscal statement format is similar to the illustration formats shown in Accounting Standards 2004/2005. BT ‘s 2005 Annual Report nevertheless does n't demo portion of turnover and net incomes from discounted operations ( BT, 2005 ) . It is because BT did n't sell any concern in 2005. If we look at the 2002 Annual Report ( BT, 2002 ) , it shows the turnover and net incomes from discounted operations besides. The fiscal statement besides has statement of entire recognized additions and losingss in line with FRS 3 patterns. So the histories run into net income and loss statement UK Accounting Standards in footings of both content and format. We now compare BT ‘s hard currency flow statement with the format prescribed in FRS 1 ‘Cash flow statements ‘ . BT ‘s hard currency flow statement has non merely got all the headers but they are besides in the same order as mentioned in FRS 1. BT study besides gives sub-categories under the major headers and hence is a echt attempt to educate investors every bit much as possible on the coevals and usage of hard currency flows. BT hard currency flow statement uses the format prescribed for the ‘Group ‘ histories. The notes to fiscal statement besides has detailed describing on rapprochement of operating net income to run hard currency flows, analysis of net debt, acquisition and disposals in line with formats for the ‘Group ‘ histories. The following subdivision we analyse is on segmental coverage and look into its comparison with SSAP 25 ‘Segmental Reporting ‘ . SSAP 25 says that a populace limited company should supply segmental analysis on lines of concern category and geographical location. The notes to fiscal statement subdivision in the 2005 Annual Report has a subdivision on segmental coverage wherein BT shows the turnover, runing profit/ ( loss ) and net assets/ ( liabilities ) of different concern lines. It besides provides the above informations based on the geographical location of contrary coevals. The above meets SSAP 25 demands and besides helps investors make a better judgement of hazards faced by BT. BT is in telecommunication concern where engineering alteration is rapid. BT has acquired many companies in recent old ages to maintain gait with the technological developments. So it is of import to analyze the acquisition policies and revelations are in line with the UK Accounting Standards. FRS 6 ‘Acquisitions and Mergers ‘ and FRS 7 ‘Fair values in acquisition accounting ‘ govern the acquisition accounting policies. BT ‘s one-year study under ‘Notes to fiscal statements ‘ gives elaborate revelation of entire and just value of the acquisitions made by it. BT ‘s fiscal statements non merely give the book and just value of acquisitions but besides a elaborate account of them for each acquisition. The clear and easy to understand format of fiscal statements and the deepness of information in them signals that BT non merely merely make the lower limit to run into UK Accounting Standards but besides follows them in true spirit. Appendix I – Highlight of BT Group ‘s net income and loss histories ( Beginning: BT Annual Report and Form 20-F ; hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/Financialreports/Annualreports/AnnualReports.htm ) Appendix II – ROCE of BT Group ( Beginning: BT Annual Report and Form 20-F ; hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/Financialreports/Annualreports/AnnualReports.htm ) Appendix III – Highlight of BT Group ‘s balance sheet ( Beginning: BT Annual Report and Form 20-F ; hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/Financialreports/Annualreports/AnnualReports.htm ) Appendix IV – Interest screen ratio ( Beginning: BT Annual Report and Form 20-F ; hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/Financialreports/Annualreports/AnnualReports.htm ) Appendix V – Highlight of BT Group ‘s hard currency flow statements ( Beginning: BT Annual Report and Form 20-F ; hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/Financialreports/Annualreports/AnnualReports.htm ) Bibliography and mentions Accounting Standards 2004/2005 – Extant at 30 April 2004 ( 2004 ) ; Wolters Kluwer ( UK ) Limited. BT ( 2005 ) ; BT Annual Report and Form 20-F for the twelvemonth ended 31 March 2005 ; hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/ Financialreports/Annualreports/AnnualReports.htm BT ( 2002 ) ; BT Annual Report and Form 20-F for the twelvemonth ended 31 March 2002 ;hypertext transfer protocol: //www.btplc.com/Sharesandperformance/Howwehavedone/Financialreports/Annualreports/Annualreportsarchive.htm

history of labor in america essays

history of labor in america essays The Industrial Revolution was dawning in the United States. At Lowell, Massachusetts, the construction of a big cotton mill began in 1821. It was the first of several that would be built there in the next 10 years. The machinery to spin and weave cotton into cloth would be driven by water power. All that the factory owners needed was a dependable supply of labor to tend the machines. As most jobs in cotton factories required neither great strength nor special skills, the owners thought women could do the work as well as or better than men. In addition, they were more compliant. The New England region was home to many young, single farm girls who might be recruited. But would stern New England farmers allow their daughters to work in factories? The great majority of them would not. They believed that sooner or later factory workers would be exploited and would sink into hopeless poverty. Economic "laws" would force them to work harder and harder for less and less pay. How, then, were the factory owners able to recruit farm girls as laborers? They did it by building decent houses in which the girls could live. These houses were supervised by older women who made sure that the girls lived by strict moral standards. The girls were encouraged to go to church, to read, to write and to attend lectures. They saved part of their earnings to help their families at home or to use when they got married. The young factory workers did not earn high wages; the average pay was about $3.50 a week. But in those times, a half-dozen eggs cost five cents and a whole chicken cost 15 cents. The hours worked in the factories were long. Generally, the girls worked 11 to 13 hours a day, six days a week. But most people in the 1830s worked from dawn until dusk, and farm girls were used to getting up early and working until bedtime at nine o'clock. The factory ...

Perdón para migrantes protegidos por la sección 245(i)

Perdà ³n para migrantes protegidos por la seccià ³n 245(i) La seccià ³n 245(i) de la Ley de Inmigracià ³n y Nacionalidad (INA, por sus siglas en inglà ©s) permite ajustar el estatus a personas indocumentadas y asà ­ obtener la tarjeta de residencia. El problema es que esta seccià ³n de la INA expirà ³. Sin embargo, algunos inmigrantes pueden estar todavà ­a hoy protegidos y, por lo tanto, podrà ­an pedir el ajuste de estatus. Quà © migrantes indocumentados podrà ­an beneficiarse de la seccià ³n 245 (i) Los inmigrantes que estn dentro de Estados Unidos en situacià ³n de indocumentados porque: entraron con visa y se quedaron ms tiempo del permitido.ingresaron al paà ­s ilegalmente sin pasar por un control migratoriocometieron alguna violacià ³n migratoria como, por ejemplo, aceptar empleo colocndose asà ­ en una situacià ³n de ilegalidad migratoria. Y no pueden arreglar los papeles sin salir de los Estados Unidos mediante lo que se conoce como un ajuste de estatus. Si salen de Estados Unidos tendrà ­an el problema de que automticamente se activarà ­a el castigo de los 3 o de los 10 aà ±os por presencia ilegal. Tener en cuenta que algunos indocumentados pueden ajustar su estatus por relacià ³n de cà ³nyuge, padre, madre o hijo soltero menor de 21 aà ±os con un ciudadano estadounidense. Pero incluso en estos casos no siempre es posible ajustar el estatus. Cules son los requisitos para estar estar protegido por la seccià ³n 245 (i) 1. Que el inmigrante tenga una peticià ³n de visa de inmigrante hecha   a su nombre por razà ³n de familia o de trabajo y que dicha peticià ³n se hubiera presentado el 30 de abril de 2001 o antes.   Es decir, tenga un certificado de trabajo (labor certification) o   una peticià ³n I-130 para familiar extranjero, I-140 para trabajador extranjero, I-360 para viudos o migrantes especiales. o I-526 para empresario extranjero a travà ©s del programa EB5. 2. Que la peticià ³n hubiera sido aprobada (puede ser posteriormente a esa fecha) 3. Y si la peticià ³n se presentà ³ entre el 14 de enero de 1998 y el 30 de abril de 2001, el beneficiario principal de la peticià ³n debe poder demostrar que estaba fà ­sicamente presente en los Estados Unidos a fecha de 21 de diciembre de 2000. Eso es para el beneficiario  principal,en no para el derivado. Por ejemplo, en los casos en los que un ciudadano pide a su hermano, à ©ste serà ­a el principal, y el derivado la esposa/o del pedido y sus hijos solteros menores de 21 aà ±os. Destacar que en el caso de familiares derivados, la relacià ³n de parentesco entre el beneficiario principal y el derivado debà ­a ya existir a fecha de 30 de abril de 2001.   Cà ³mo se pide beneficiarse de la proteccià ³n de la seccià ³n 245(i) Solicitante un ajuste de estatus (planilla I-485)Completando adems el suplemento I-485AEnviando toda la documentacià ³n de apoyoPagando la cuota del ajuste de estatus Antes de enviar cualquier planilla, asesorarse si realmente se califica. Asimismo, extremar el cuidado para cumplir con los requisitos de llenar correctamente los formularios. Quà © no se debe hacer si se cree que se es un buen candidato para esta proteccià ³n No salir de Estados Unidos mientras no se resuelve el asunto. Si se sale, en ese momento comienza a aplicar el castigo de los 3 y de los 10 aà ±os. A quià ©n no protege la seccià ³n 245(i) A las personas con un procedimiento de deportacià ³n abierto. Cundo la 245(i) no es suficiente para ajustar el estatus Es posible cumplir todos los requisitos para este perdà ³n pero que, finalmente, el ajuste de estatus se niegue y no se obtenga la tarjeta de residencia. Y es que para sacar la green card el migrante tiene que ser considerado admisible. Esto es, hay una serie de comportamientos o situaciones en el pasado del migrante que hacen imposible que pueda obtener los papeles, bien con carcter permanente o bien por un tiempo. A tener en cuenta para elegir la mejor opcià ³n y evitar fraudes Hay casos en los que podrà ­a aplicar la 245(i), pero realmente hay otras opciones que resultan mejores. Por ejemplo, una persona con una peticià ³n a su favor hecha en el aà ±o 2000 por un hermano ciudadano americano. Si esa persona ingresà ³ con visa y simplemente perdià ³ su estatus por quedarse ms tiempo del permitido y est ahora casada de buena fe con un ciudadano americano, podrà ­a ajustar su estatus sin necesidad de recurrir al 245(i). Sin embargo, si la misma persona del ejemplo, hubiera ingresado a Estados Unidos ilegalmente, no podrà ­a ajustar su estatus por el procedimiento regular y su opcià ³n serà ­a pedir la proteccià ³n del 245(i). Todos los casos de perdones son complejos y delicados. Lo mejor es siempre buscar a un abogado de inmigracià ³n reputado y con experiencia en el beneficio que se desea pedir.  Ã‚  Es cierto que en muchos casos es posible  solicitar un perdà ³n migratorio (waiver)  pero adems de cumplir con todos los requisitos, no es fcil obtenerlo. Por esta razà ³n, es aconsejable tener cuidado con las promesas que hacen algunos abogados inescrupulosos. Este artà ­culo no es consejo legal para ningà ºn caso concreto. Sà ³lo tiene valor informativo.

Current Events and U.S. Diplomacy Research Paper - 1

Current Events and U.S. Diplomacy - Research Paper Example A president’s foreign policy can be thoroughly diplomatic, while his military stance can play merely the role of a diplomatic apparatus. It is normally determined by the country’s economic, military, and sociopolitical statuses. Whereas a presidential doctrine is usually objective-oriented, the implement of this doctrine needs in-depth knowledge of and proper response to home economy, politics, military strength, etc. Simultaneously the president should have in-depth knowledge of and proper response to counterparty’s economy, politics, military strength, etc. During the developing stage of the Cold War in the first half of the 1960s, John Fitzgerald Kennedy’s foreign policy had been more diplomatic than his predecessor Dwight Eisenhower’s unyielding view about the US presence in the world politics. The diplomatic essence of the Kennedy Doctrine initially played a crucial role in building up the very premises –â€Å"Flexible Response to the I nternational Political Powers†, â€Å"Containment of Communism† and â€Å"Reversal of Soviet Progress in the West† –of the Kennedy Doctrine. ... In this regard Gaddis (2005) opined that also the failed CIA-backed military coup in Cuba, in spite of Kennedy’s promise to refrain from Cuban Affairs, provoked the president to be bold to pronounce the United States’ defensive stance regarding the Berlin issue and the diplomatic acknowledgement of the Soviet Union’s concern in Germany. (Gaddis, 2005, pp. 112-115) Kennedy’s policy for the â€Å"containment of communism† was essentially the legacy of Eisenhower and Truman’s foreign policy prerogatives. During the peak-hours of Cold War, Kennedy had no other choice but to follow his â€Å"White House predecessors† (Schweizer, 1994, pp. 65). Being panicked by the rapid communist advancement, both Truman and Eisenhower turned back to the country’s military strength -though they did not go into any direct war- to contain communism. As a result, superpowers involved into proxy wars in various geographical regions of interests. Nuclear arm race between the two main parties of the war, the USA and the Soviet Union, began as a response to the superpowers’ desire to overpower each other. During the period, the world experienced a worldwide regrouping of the countries into the US block and the Soviet bloc. This regrouping in the Soviet block was mainly based on the Marxist political ideology of Communism, whereas capitalism and democratic interests dominated the countries in the US block. This regroupings in both of the blocks often turned into expansionism and counter-expansionism. (Schweizer, 1994, pp. 69-74) The Soviet leadership’s expansionist desire to force Marxist ideals upon the rest of the earth panicked the wealthy capitalist west whose reaction to the communist expansionism eventually