Fiscal deficit Essays - Fiscal Policy, United States Fiscal Cliff

Fiscal deficit Essays - Fiscal Policy, United States Fiscal Cliff Fiscal deficit means government expenditure exceeds its revenue in any particular year. All taxpayers are affected by U.S.'s deficit and debt. Higher government debt crowds out private investment in the form of higher taxes and inflation. Higher debt raises several question marks on government ability to repay it. Due to higher debt levels, risk premium increases, which leads to rise in interest rates. High interest rates negatively interest rate sensitive sectors of the economy such as real estate, consumer durable. High government deficit results in increasing US debt. In order to reduce the current deficit, government hikes tax rate on taxpayers. High debt and fiscal deficit affect US taxpayers in the form of tax hikes, high interest rate on debt, reduced social security benefits/programs and weakening of currency. The overall effect of all these measures results in lower purchasing power of taxpayers and they are left with less money to invest or spend. Fiscal surplus means government revenue exceeds its expenditure in any particular year. When the government runs surplus, it positively affect taxpayers. There are differing ways in which government could spend surplus money. The surplus money could be used to repay debt. Government can decide to issue tax refund to taxpayers or government can increase its spend on social security benefits and programs. The overall effect of all these measures results in higher purchasing power of taxpayers and they could spend or invest more money. References How our national debt hurts our economy. (n.d.). Retrieved July 24, 2015.

How The Immigrants Get Success Essay Example | Topics and Well Written Essays - 1000 words

How The Immigrants Get Success - Essay Example She fled from El Salvador and now she is going to study art at UC Davis. How could she experience such immense success? I think that immigrants reach their American dream because they carried out three essential tasks: finding some support, being confident, and having a firm determination. To succeed in America the first important key to success is finding some support. You may not know how valuable support can be. The truth is that an immigrant will not succeed without at least some kind of support. Let me show you how it works. First of all, there are many kinds of support, such as financial, practical, and emotional support. Support can come from family members, friends, or workmates. Most immigrants feel helpless when they first arrive in the U.S., but they are usually hopeful. In addition, building a new life in a strange and foreign country is not easy. The reality is that as the time goes by immigrants will begin to feel hopeless if they do not get the necessary support. Howev er, if you are supported then you will be strong and confident because you can overcome many difficulties and also have more time to do other things, such as building your American dream. One person who illustrates the importance of support is the young immigrant named Bich. She came from Vietnam and became a successful woman who was also very kind and knowledgeable. Through her memoir, it was revealed that her step-mother and real-father neither inculcated nor took care of her. She felt sad and even sometimes wanted to escape from the house. However, she found loving support from her grandmother Noi. Noi was a harbor of refuge for Bich, as she gave Bich food when Bich was hungry and provided privacy for Bich. Therefore, Noi made Bich’s childhood easier and much happier. This warmed Bich’s heart so that she had a higher expectation of the future. Bich has become an established writer, having published three books. It could be said that this is all due to her grandmothe r’s support. To sum up, support can act as oxygen for a new immigrant. If you already have support then you must be more confident than before. The next essential key I am going to talk about is confidence. You might find that every successful man is confident because he acts with confidence. Perhaps you are wondering how confidence can help you to be successful. Every morning you must face a mirror, and when you look at yourself in the mirror, what do you feel? If you are a confident person then you will think you look good today. This means you are happy when you are on your way to work because you believe in your abilities and trust that you can finish your work nicely. If you are confident then nobody is going to doubt your decisions or actions because they trust you due to your confident behavior. A 17-year old boy named Lester escaped from Cuba by windsurfing more than 80 miles. He planned to escape when he was a kid because he believed he had a very good skill and coul d do this thing perfectly by himself. Before he escaped, he made a detailed plan and practiced windsurfing a lot. He didn’t tell anybody before he left Cuba. He did everything by himself, and this is very confident behavior. He escaped alone yet successful, and Lester became famous after he arrived in America. Confidence is extremely important in almost every aspect of your life because it generally leads to success, and this is something that immigrants are striving for. If you have support and confidence then

Change management Assignment Example | Topics and Well Written Essays - 2750 words

Change management - Assignment Example Based on my personal reflection on the group case study, relevant change management theories and class discussion I intend to reflect on my personal perspective of managing change. My discussions will comprehensively indicate lessons learned from group case study, how my perspective on change management had been altered in the course of the semester and the implications of my current perspective of change management on my approach to future organisational change. I tend to regard Prosci’s ADKAR model of change as my personal perspective of managing change. According to Zimmermann (2011), ADKAR is a goal oriented change management model that is focused on individual level in an organisation. This model enables change management committee or relevant authority to focus their objectives on specific organization related results. I am of the opinion that organizational change entails adoption of new mindsets, internal and external policies, practices and organizational behaviours that are primarily pegged on the framework of individual’s culture and organizational culture. Therefore, ADKAR’s model in my perspective effectively enables individual and further organizational adjustment of prevailing culture and subsequently the behaviour. My analysis of the model indicated that it highly emphasized on employees’ transition into the new organizational status as opposed to other models of organizational change that are proc ess oriented. Surprisingly, I observed that all models of organizational change implement ADKAR’s elements of change either directly or indirectly since all organizational change entails behavioural and psychological transition of employees. With reference to the case study of my group, pay@pump of Caltex, creation of awareness that is an aspect of ADKAR model was instrumental in the implementation of Caltex’s operational changes. Consequently, my adoption of ADKAR’s model was informed by its universal practicality

History of Communication Essay Example for Free

History of Communication Essay The history of communication dates back to prehistory, with significant changes in communication technologies (media and appropriate inscription tools) evolving in tandem with shifts in political and economic systems, and by extension, systems of power. Communication can range from very subtle processes of exchange, to full conversations and mass communication. Human communication was revolutionized with speech approximately 100,000 years ago. Symbols were developed about 30,000 years ago, and writing in the past few centuries. Petro glyphs The next step in the history of communications is petroglyphs, carvings into a rock surface. It took about 20,000 years for homo sapiens to move from the first cave paintings to the first petroglyphs, which are dated to around 10,000BC. It is possible that the humans of that time used some other forms of communication, often for mnemonic purposes specially arranged stones, symbols carved in wood or earth, quipu-like ropes, tattoos, but little other than the most durable carved stones has survived to modern times and we can only speculate about their existence based on our observation of still existing hunter-gatherer cultures such as those of Africa or Oceania. Pictograms A pictogram (pictograph) is a symbol representing a concept, object, activity, place or event by illustration. Pictography is a form of proto-writing whereby ideas are transmitted through drawing. Pictographs were the next step in the evolution of communication: the most important difference between petroglyphs and pictograms is that petroglyphs are simply showing an event, but pictograms are telling a story about the event, thus they can for example be ordered in chronological order. Pictograms were used by various ancient cultures all over the world since around 9000 BC, when tokens marked with simple pictures began to be used to label basic farm produce, and become increasingly popular around 6000-5000 BC. They were the basis of cuneiform and hieroglyphs, and began to develop into logographic writing systems around 5000 BC. Ideograms Pictograms, in turn, evolved into ideograms, graphical symbols that represent an idea. Their ancestors, the pictograms, could represent only something resembling their form: therefore a pictogram of a circle could represent a sun, but not concepts like heat, light, day or Great God of the Sun. Ideograms, on the other hand, could convey more abstract concepts, so that for example an ideogram of two sticks can mean not only legs but also a verb to walk. Because some ideas are universal, many different cultures developed similar ideograms. For example an eye with a tear means sadness in Native Americanideograms in California, as it does for the Aztecs, the early Chinese and the Egyptians. Ideograms were precursors of logographic writing systems such as Egyptian hieroglyphs and Chinese characters. Examples of ideographical proto-writing systems, thought not to contain language-specific information, include the Vinca script (see also TÄÆ'rtÄÆ'ria tablets) and the early Indus script. In both cases there are claims of decipherment of linguistic content, without wide acceptance.

Corporate America and Modern Society Essay -- essays research papers

Corporate America and Modern Society Large corporations affect most of society today, and these affects have split the U.S. workers into two factions. People are becoming frustrated over companies having huge lay-offs, firing thousands of employees, shutting down businesses, and moving to countries like Mexico to make a bigger profit. What happens to those people who have families to take care of? Where are they going to find money to pay for their children’s medical bills, education, food, and clothing? How are they going to tell their spouses that they now have to work two jobs to take care of costs for their family? Top executives of large corporations often earn millions of dollars a year in salaries, bonuses, and benefits while the vast majority of people who work for them earn moderate wages, sometimes no more than the minimum hourly amount required by law. Some people believe that this type of a system for hourly working is wrong. Others argue that no change is possible without stifling human initiative. H ow might the economic system be changed? Should it be changed? History of Large Corporations  Ã‚  Ã‚  Ã‚  Ã‚   The industrial revolution in America during the early part of the 20th century brought many new changes to society with the introduction of factories, construction, and businesses. As time progressed through the years, small businesses soon started looking to increase their market nationally. As small businesses soon turned into large corporations, they began to spread across the country giving people quality products anywhere in the United States. The economy was booming. Competition between businesses was moving at an incredible rate, producing many products and improving the Gross National Product. America was becoming the most powerful nation in the world. There were plenty of jobs for families to find work. As businesses grew, bureaucratic systems were set up within them to ensure better management. One man could no longer run his business alone. He needed supervisors to reach every employee. Hierarchies were introduced and so businesses were now ran by a select few individuals who were most likely the founders of the company, and they got all the profit. Capitalism   Ã‚  Ã‚  Ã‚  Ã‚  Some people say that today’s minimum wage is not a livable wage. That it doesn’t make up for the cost of living in today’s society... ...ple want a change, there will be a change. Works Cited Cody, David. â€Å"Child Labor†. 1987. http://65.107.211.206/victorian/history/hist8.html (1 May 2002). New York Times. â€Å"Executive Paywatch 2002†. 2002.. http://www.aflcio.org/paywatch/index.htm (24 April 2002). Moore, Michael. The Big One. 1996. Reich, Robert B. Goleman, Daniel. â€Å"Point, counter point†. Training & Development, April 1999. Vol. 53 Issue 4 p26. Eisenscher, Michael. â€Å"Sweatshop Abuses Continue†. Nov. 30, 1997. http://www.hartford-hwp.com/archives/40/041.html (1 May 2002). Kronemer, Alexander. â€Å"Narrowing the Wage Gap†. Monthly Labor Review. Nov99, Vol. 122 Issue 11, p79. Blau, Francine D. Kahn M. Lawrence. â€Å"Wage Inequality: International Comparisons of Its Sources†. 1996. http://www.aei.org/cs/cs6931.htm. (22 April 2002) Kazis, Richard and Miller, Marc S. â€Å"Low Wage Workers in the New Economy†. 2002 http://www.urban.org/pubs/low_wage/index.html (24 April 2002) McCarthy, Jim. â€Å"Salary Gap Continues to Widen† Techniques: Connecting Education & Careers, Mar 2002, Vol. 75 Issue 3, p8. Robertson, Michael. â€Å" The Minimum Wage: Some New Evidence†. Journal of Labor Research, Winter 2002, Vol. 23 Issue 1, p1.

Right or Privelege

There has been an ongoing debate for quite some time now about whether health care is a privilege that one earns or is a right. Throughout the news on television and throughout the newspapers and internet has been a lot of talk about the different types of insurances that we use to pay for medical care. Those insurances include the new Obama Care, Medicare for the elderly, Medicaid for the deemed needy as well as regular insurances that either employers or employees pay for out of pocket.Listening to the news as well as reading in the papers and on the internet all I hear and see is all the same things. What I haven't seen or heard was anything about our values and ethics as people. WSDL anyone think that it is okay to let someone die due to lack of health insurance or the wrong insurance? Everyone is different with their morals and values but I do not think that anyone would agree to letting someone die because they do not have insurance. I for one do not think that it is right at a ll and no matter what I think that if someone is ill then they should be treated right away.There was a Harvard Health study done that estimates around forty-five thousand people a year die due to not being adequately insured. Not only do those forty-five thousand die but according to a study done by the American Journal of Medicine they estimated about sixty-two percent of bankruptcies are due to medical illness and seventy-five percent of those people had coverage by insurance. I don't believe that health care should be considered a privilege. If it were considered a privilege then most of this country population would not be able to afford to pay for it.With the growing number or illness, especially within the elderly and knowing that they are on fixed incomes they need health coverage. I care for a stroke Health Care victim. She was originally paying for her health insurance out of her own pocket until her Medicare came into effect. With permanent disability they have to be disa bled for two years before they are covered by Medicare which I don't think is right either. Thankfully I was able to get her into the Medicaid program as well because she could not afford the health insurance out of her own pocket and she needs her medications which are quite expensive.Imagine if all of the elderly and disabled had to pay for their own medications, they wouldn't be able to live and function. As stated by The Stillwater Gazette (2012), â€Å"l believe medical care is a right that a civilized country provides its citizens. I do not the right employer. † I agree with The Stillwater Gazette, that medical care is something that everyone deserves because it is very important. For less fortunate who cannot afford to pay for their own health care and a lot of times cannot afford to pay for coverage through work.What happens is that it tends to â€Å"clog† the emergency rooms making it harder for the nurses and doctors to care for those who truly need trauma tr eatment. I have read and heard of people who do not have health coverage going to the emergency rooms for colds, coughs and general illnesses including the flu because the emergency rooms cannot turn anyone away. If there was a cheaper and easier way for everyone to get medical insurance then the emergency rooms would be less crowded and open and ready for those who truly need it.It would then also help regular Mad's with their practices because they would be able to have more patients to keep themselves in business. Driving through towns here in New Jersey I was able to Health Care count numerous doctors, even my old childhood doctor, losing their medical buildings due to a lack of patients. Due to recent technological advances our morbidity rates have dropped and our mortality rates have increased. Even though our technology has advanced it has caused the cost of health care to skyrocket our of reach for those who cannot afford it ND do not have health coverage.If health care was a right then the forty-five thousand people would have survived and gotten the care that they needed no matter how much the cost has risen. WSDL anyone be able to let an elder go without their routine check ups and their medications? I know I wouldn't be able to and I couldn't let my mother-in-law go without hers. What they need to do is come up with a general health care plan for everyone who cannot afford insurance to cover general doctor visits, emergency care when needed, eye care and also dental.

Designing A Small Business Online Essay - 1053 Words

There is a proven sequence of steps you can follow to guarantee your success when you re starting a small business online. I ve seen thousands of people start and grow successful businesses by doing the following: Find a need and fill it. Write copy that sells. Design and build an easy-to-use website. Use search engines to drive traffic to your site. Establish an expert reputation for yourself. Follow up with your customers and subscribers with e-mail. Increase your income through back-end sales and upselling. Anyone, from newbie to seasoned online entrepreneur, can benefit from this process in learning how to start a business online. Step 1: Find a need and fill it Most people who are just starting out make the mistake of looking for a product first, and a market second. To boost your chances of success, start with a market. The trick is to find a group of people who are searching for a solution to a problem, but not finding many results. The internet makes this kind of market research easy: Visit online forums to see what questions people ask and what problems they re trying to solve. Do keyword research to find keywords that a lot of people are searching, but for which not many sites are competing. Check out your potential competitors by visiting their sites and taking note of what they re doing to fill the demand. Then you can use what you ve learned and create a product for a market that already exists--and do it better than the competition. Step 2: WriteShow MoreRelatedConsumer Perception Towards Online Business Model Essay1510 Words   |  7 PagesCONSUMER PERCEPTION TOWARDS ONLINE BUSINESS MODEL and here is some of the analysis or interpretations from this survey. Q. Gender No. of responses Male 26 Female 24 INTERPRETATIONS:- The proportion of respondents are somewhat equal with not much of the major difference between male and female respondents Q13. Prefer to purchase online? Preference towards online Purchase Yes No No. of responses 40 10 INTERPRETATIONS:- Most of the respondents prefer online shopping which demonstrateRead MoreConsumer Perception Towards Online Business Model Essay1502 Words   |  7 PagesPERCEPTION TOWARDS ONLINE BUSINESS MODEL and here is some of the analysis or interpretations from this survey. Q. Gender No. of responses Male 26 Female 24 INTERPRETATIONS:- The proportion of respondents are somewhat equal with not much of the major difference between male and female respondents Q13.Prefer to purchase online? Preference towards online Purchase Yes No No. of responses 40 10 INTERPRETATIONS:- Most of the respondents prefer online shopping whichRead MoreAn Interview With An Entrepreneur1356 Words   |  6 PagesAn interview with an Entrepreneur: In this report, an interview is conducted with Jane Lu the Founder of the company Showpo. This company is an online female fashion store, which was launched in 2010. Founder of the company is interviewed on her experiences and the steps she has taken in order to enhance the business of the company. Since its inception, the company has made excellent growth. Interviewer: What was it that made you start this venture? Jane Lu: Interesting question. Well the main reasonRead MoreThe Digital Designing Of Advertising1454 Words   |  6 PagesThe Digital Designingâ„ ¢ Contest is the first-ever online based national level graphic designers’ competition with the slogan ‘Gear Up Designers’ in Bangladesh. The contest will be followed by an Exhibition and Awarding to promote the designers in the country. The competition would be comprised of creative designing in 5 graphic design disciplines viz Logo creation, Business Card design, Social Media stuff design, Typography and Digital Art. The contest is planned to be held in 3 phases which wouldRead MoreWeb Design Essay709 Words   |  3 PagesWhen browsing online at the different websites, someone could find good, bad and even ugly websites that would not attract visitors to view it again. Today many people buy online and e-businesses are each day more attractive and successful for companies. If the company creates an effective Web pr esence, the results could bring the business success in the expansion of the business, otherwise, it could affect the image of the business. So it is important to keep in mind how to design a good websiteRead MoreDesigning An E Commerce Solution Evaluation Essay1624 Words   |  7 PagesFinancial implications†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Designing an e-commerce solution†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Evaluation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â ‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Introduction. Many businesses have shown that after implementing an e-commerce system into their companies, sales have increased immensely. Sneaker Joe’s is a small family run business that is looking to expand their business after the sneakers they sell have shown to be very popularRead MoreSample Brochure Design : 75-1001163 Words   |  5 Pageswithin a small local area, and that is what branded stationary allows them to do. This is especially true if their business still requires them to post letters rather than emails. Social Media Design: 75-100 Most will admit that social media is a pretty poor converter to the point where it even has trouble getting people onto a sale’s funnel. Yet, it is hard to deny that social media offers a great PR opportunity for small and large companies. The bigger companies are able to purchase an online reputationRead MoreEssay1129 Words   |  5 Pagesown business, also not to mention the startup costs (money for the parts I’d need to purchase for my first client). So thats the reason why I havent gotten started up yet, if I could just put up a sign and shout â€Å"OPEN FOR BUSINESS†, trust me, I would much rather do that but my grandfather told me when I interviewed him that I need to work on my leadership skills before I open a business and then I have to pay for all these permits and licenses. I found online a quote that states â€Å"While small-businessRead MoreService Delivery and Process Design1239 Words   |  5 Pagesorganization. However, the service system can b e expanded to include suppliers to whom part of the service delivery process has been outsourced and who therefore can affect the customer’s experience (this is known as business process outsourcing or BPO). For example, when you make an online airline reservation at Expedia, how quickly and accurately Delta Airlines confirms your reservation and seat assignments significantly affect your experience and satisfaction with Expedia’s reservation process. ServiceRead More1. SEO Based Development (SEO – Backbone of any website) Digital Applications has best SEO expert700 Words   |  3 PagesDevelopment (SEO – Backbone of any website) Digital Applications has best SEO expert Web Developers who are designing and developing websites according to the latest SEO techniques of Google Hummingbird and other Search Engines. 2. Secure Reliable (protected with anti hacking codes) In addition to highly SEO based Web Development, Digital Applications try to make your website and online business more secure from hacking by using anti-hacking codes and encryption techniques. 3. 24H Client Support (No