Female European Historical Figures 1500 - 1945

The Stock Market Crash Of 1929 - 1284 Words

The Stock Market Crash of 1929 â€Å"started† on the 24th of October 1929 with 12’894’650 shares being traded; this is the same day that Richard Whitney went to the stock exchange and bought targeted shares in an attempt to stabilize the stock market. As will be made evident, this did not work. In fact, an even worse day, dubbed â€Å"Black Tuesday†, occurred on the 29th of October where 16’410’030 shares were traded. From the week of October 23rd to 31st the panic settled in and a total of 70.8 million shares were traded. This crisis, beginning in the United States, rippled across the whole world given that it was interconnected through the gold standard. The Dow Jones Industrial Average had gone from a high of 386 points to a low of 40.56 points by 1932. In fact, according to Dietmar Rothermund’s study of the global impact of the economic crisis, â€Å"all major factors contributing to the depression can be traced back to the United States of America†. As a matter of a fact, the historic loss of 30% of the United States’ real GDP from 1929 to 1933 was the wake up call that the economy needs to be controlled. This loss is what led to unprecedented levels of government intervention and the reshaping of Western Civilization economics with the New Deal and following similar regulations. The Stock Market Crash led to pioneering changes in many aspects of the American government and society; one of those changes was the discontinued use of the gold standard. The gold standard linked theShow MoreRelatedThe Stock Market Crash of 19291289 Words   |  6 Pagesat home or in the bank into the stock market. People migrated to the prosperous cities with the hopes of finding much better life. In the 1920s, the stock market reputation did not appear to be a risky investment, until 1929.First noticeable in 1925, the stock market prices began to rise as more people invested their money. During 1925 and 1926, the stock prices vacillated but in 1927, it had an upward trend. The stock market boom had started by 1928. The stock market was no longer a long-term investmentRead MoreStock Market Crash of 1929835 Words   |  4 PagesThe Stock Market Crash of 1929 was the most devastating crash in U.S. history. It started on October 24, 1929 and the downfall ended in July 1932. I alwa ys wondered what caused this calamity. Before starting this report, I knew basic idea about the crash. It was a time of decline and huge fortunes were lost. Now I can figure out just why. The research process for my report was no easy task. The simple part was choosing my topic. As soon as I saw â€Å"Crash of 1929† on the topic list, I had my mind fixedRead MoreThe Stock Market Crash Of 19291598 Words   |  7 Pagesthe 1920’s there was a large boom in the stock market. By August 1929, there was massive expansion and stock prices reached their peak. In the words of PBS, â€Å"A boom took stock prices to peaks never before seen† (PBS 1). However, all good things eventually come to an end. What must have felt like over night, the stock market crashed and this would later be known as one of the most devastating economic downturns in U.S. history. The Stock Market Crash of 1929 was so significant but to this day peopleRead More1929 Stock Market Crash1413 Words   |  6 PagesThe 1929 Stock Market Crash In early 1928 the Dow Jones Average went from a low of 191 early in the year, to a high of 300 in December of 1928 and peaked at 381 in September of 1929. (1929Â…) It was anticipated that the increases in earnings and dividends would continue. (1929Â…) The price to earnings ratings rose from 10 to 12 to 20 and higher for the market s favorite stocks. (1929Â…) Observers believed that stock market prices in the first 6 months of 1929 were high, while others saw them toRead MoreThe Stock Market Crash Of 19291683 Words   |  7 PagesOn October 29, 1929, investors took a turn for the worse and were just in the beginning of a huge crisis that would cause them to lose everything. This crash pushed many Americans to depression, suicide, and destruction. By 1933, 4,000 banks had closed and Americans started to panic. The stock market crash of 1929 was a major turning point in the history of the United States and billions of dollars were lost. During the 1920s, throughout the country, there were social, economic, and political changesRead MoreThe Stock Market Crash Of 19291437 Words   |  6 PagesBy early 1929, people across the United States were rushing to get into the stock market. The profits seemed so certain that even many companies placed money in the stock market. In addition, even more problematic, some banks placed their customers money in the stock market (without their consent). With the stock market prices rising, everything seemed fantastic. Many believe incorrectly that the stock market crash of 1929 is the same as the Great Depression when in fact; it was one of the majorRead MoreThe Stock Market Crash of 19291013 Words   |  5 PagesBlack Tuesday was Tuesday, October 29, 1929. This was the day the New York Stock Exchange crashed. This was the single largest crash in the country. Black Tuesday hit Wall Street as investors traded 16 million shares in one day on the New York Stock Exchange. Black Tuesda y wiped out thousands of investors and billions of dollars were lost. Black Tuesday was an event leading up to the stock market crash. As a result numerous Americans lost all to a lot of their savings. Black Tuesday was also knownRead MoreThe Stock Market Crash Of 19291590 Words   |  7 PagesThe cause of the crash in the stock market in 1929, was an incident that occurred on October 29, which was called Black Tuesday. Investors traded 16 million dollar of shares toward the New York Stock Exchange in a day, upon that billions of dollars were lost and investors lost their business or their jobs. one of the major reason why was that car and other factory produced certain quota of cars. during the great depression people who were rich is now poor and the poor and the poorer. people wereRead MoreStock Market Crash Of 19291432 Words   |  6 PagesStock Market Crash of 1929 The United States was experiencing great optimism and economic growth prior to the stock market crash of 1929. The conclusion of World War I in 1918 ignited this exciting time known as the â€Å"Roaring 20’s.† The key economic factors that contributed to this time is that business’ were exporting to Europe (which was still rebuilding from the war), unemployment was low, and automobiles and other goods were spreading across America creating jobs and efficiencies forRead MoreThe Stock Market Crash Of 19292101 Words   |  9 Pageshorrendous events as these? Well, all of this was a result of what is known as the Stock Market Crash of 1929. In brief, the economy of the United States of America failed due to flaws within the market, and misunderstandings of its risk. Moreover, poor economic policies caused depression and financial turmoil, and took years of political reform to heal. When looking at the overall effects and workings of the crash, one must first understand what caused it, and what conditions allowed for such cataclysmic

What Does Democracy Mean free essay sample

For me personally, in one word, democracy means freedom. More in depth, democracy is much more complex because it allows all citizens to have an equal say in many different decisions that affect lives. Democracy allows citizens of the United States to equally voice their opinion through elected representatives and by the creation of new laws and the freedom of speech. The country used to be run under communism which was much more controlled than democracy. No one was allowed to own their own businesses which really limited freedom because everything belonged to the state. No one really had the freedom to express themselves because the state controlled everything. The writers of the U. S Constitution criticized the idea of democracy because they doubted the ability of ordinary American’s to make informed judgments about what the government should do. (Edwards, G. C. , III, Wattenberg, M. P, and Lineberry R. L. (2008). Government in America: People, politics, and policy (brief 9th ed. ). New York, NY: Pearson Education. ) Others believe democracy creates political instability because government representatives frequently change and bring their new ideas with them which creates a lack of consistency.In reality, we live in a corrupt political government which results in the American people criticizing the government. It is well known that with power comes misuse which ultimately results in corruption. The wealthy continue to find ways to become wealthier, and fail to have compassion for the lower class. (Romney Makes the Rich Richer and the Poor Poorer, June 4,2012 Retrieved from;http://hampton-northhampton. patch. com/blog_posts/romney-makes-the-rich-richer-and-the-poor-poorer) I have to question the current selection of politicians we have to choose from to represent the people of the United States.They are constantly bickering like children on National television and are hardly acting professional. It seems to me like America is in some trouble and it doesnt appear that anyone has the discipline or professionalism that it takes to run this country. I hope the politics can prove me wrong and that the people of the United States make choose the right people to lead this country! In conclusion, democracy is a very complex matter that involves the opinions of others. Some people view democracy as a necessary freedom for the people, and others view it as political instability.

Work Safety Booklet free essay sample

The assessment and identification of hazards in the workplace is important to help manage risks to employees. Employees and clients have duties and obligations under work health and safety legislation to ensure so far as is reasonably practicable, the health and safety of all workers and other persons in the workplace. There are various ways in which we identify hazards to ensure the ongoing assessment and control of risks in the workplace and this includes workplace risk assessments which are completed on a regular basis. These assessments include a review of an employee’s workplace safety management system including policies, procedures, safe work procedures, equipment and environment. 2. Risk Control Measures 2. 1 Identify occupational hazards/Manage Risks to health and safety Employees must identify reasonably foreseeable hazards that could give rise to risks to health and safety. They should eliminate these risks to health and safety and if in the event the risk cannot be eliminated, they must minimise those risks as is reasonably practicable. We will write a custom essay sample on Work Safety Booklet or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page 2. 2 Hierarchy of Risk Control Measures In circumstances where it is not reasonable practicable for an employee to eliminate risks to health and safety, an employee is required to minimise those risks by doing one of more of the following: * Wholly or partly substitute the hazard giving rise to the risk with something less risky * Isolating the hazard from any person exposed to it * Implementing engineering controls such as physical barriers If the hazard then remains, the employee must minimise the remaining hazard by implementing administrative controls. Administrative controls include work methods, processes and procedures put in place to minimise the hazard. . 3 Reporting Occupational Hazards All employees shall be responsible for working to their capabilities, experiences and ability. They must ensure all work is performed in accordance with the requirements of the OHS policy, procedures and legislation and take reasonable care for their own health and safety as well as that of others. Whilst every attempt is made to place employees in a safe workplace, we recognise that accidents do occur and that hazards may still exist. In the event that a hazard occurred, the employee must report all identified hazards, accidents and near misses to their Manager. The early reporting of incidents, injuries and hazards is encouraged with all employees no matter how minor the incident or hazard is. Early reporting allows us to effectively manage the incident and also to help ensure that controls are implemented to prevent further injury or harm. The employee must assist where appropriate, in the investigation of accidents and incidents by being proactively involved in the consultation process and complying with all relevant OHS laws, policies, procedures and workplace safety instructions issued. 3. Working at External locations Work Health and Safety regulations requires disability service providers to manage the risks to health and safety associated with remote and isolated work including the provision of a system of work that includes effective communication with the worker. Working at external locations encompasses two main areas, working in the homes of clients and working in public areas. Disability service workers often confront additional risks when working in public places and client’s homes as these environments are less predictable than centre-based environments. Use the â€Å"working at external locations risk assessment checklist† attached on the next page in managing external working situations. Before the visit, make sure your supervisor knows where you are going and leave crucial information such as the name and address of who you are visiting, time and length of visit, agreed alarm password, any change to your timetable and your proposed route. Also check that your mobile phone is on, has battery and is working. When travelling to and from the client’s home, keep the car doors locked while driving, have enough petrol, do not walk in deserted places and walk in the centre of the footpath. When you arrive at the visit, be observant, do not enter if there are any potentially aggressive animals, check the locking mechanism on the gates and before knocking, listen for arguments or anything that may make the situation unsafe. After your visit, report any incident to your supervisor or manager, document incidents in the client notes, report to the office regularly and ensure you and your manager have designated call intervals if you don’t return on time. These steps are fundamental in working safely at external locations. If at any time a client’s circumstances change, you should discuss the changes with a supervisor to have another risk assessment completed. Working at External Locations Risk Assessment Checklist Risk Areas| Risk Present| Actions/considerations| The Length of Time the Person may be Working Alone| | | * How long allocated for each job? | | | * Is it a reasonable time for the person to be alone? | | | * Is it reasonable for the person to be alone at all? | | | The Time of Day when a Person may be Working Alone| | | Is there increased risk at certain times of day? | | | Communication| | | * What forms of communication does the person have access to? | | | * Is voice communication essential for the safety of the person? | | | * Will the emergency communication system work properly in all situation? | | | * If communication systems are vehicle-based, what arrangements are there to cover the person when he or she is away from the vehicle? | | | The Location of the Work| | | * Is the work in a remote location? | | | * What is the form of transport? Employee/volunteers hold valid driver’s licences for the class of vehicles and licences are recorded and verified annually| | | | Vehicle records of registration, insurance, fuel, mileage and servicing and parts replacement are maintained and regularly checked| | | | A roadside assistance scheme such as NRMA is in place for all facility vehicles| | | | Prior to leaving base, drivers check fuel levels and visually inspect tyres| | | | Vehicles are routinely serviced and a fault mechanism is in place| | | | Random checks are conducted for vehicle condition and safety| | | | A crash kid is kept in each facility vehicle with nstructions a report card, first aid advice, and emergency telephone numbers| | | | A crash reporting and investigation system is in place| | | | A crash database is in place| | | | Crash test ratings and safety devices are considered prior to vehicle purchase or lease such as dual front seat airbags, side airbags in driver seat, anti-lock breaking systems, three-point seatbelts, adjustable head rests| | | | Passenger safety issues are considered in bus purchase or lease, such as hydraulic devices, fold down steps and handles to assist passengers to get on and off, secure wheelchair storage and shopping storage, seatbelts, sufficient room between seats and slip resistant steps and floor surfaces| | | | Cargo barriers in place in station wagons and hatchbacks| | | | Considering wiring daytime running headlights to the ignition| | | | Heavy or bulky freight stored in boot or separated from passengers by cargo barriers| | | | Procedures in place for drivers of vehicles, such as speed limits, fatigue management, alcohol and drug use| | | | Consider equipping vehicles with first aid kids, fire extinguishers, safety triangles and safety vests| | | | Consider driving p erformance review as part of work performance review| | | | Transporting clients| Yes| No| Comment/Action | Client profile is assessed prior to transport and if necessary an additional escort is provided| | | | Drivers who are not familiar with the client should be provided with information regarding the client so that they are aware of physical and behavioural limitations| | | | Drivers use the curb side lane so that they can pull over easily in an emergency| | | | Means of emergency communication are accessible in vehicle| | | | Drivers are trained in emergency procedures such as pull over, immobilise car, retreat to safe place and call for back up| | | | Clients are not seated directly behind the driver| | | | Potential weapons such as cigarette lighters, are removed and objects such as fire extinguishers are stored in the boot| | | | Employees and volunteers who regularly transport clients are trained in first aid| | | | Drivers are aware of location of medical centres and emergency departments in areas where they are transporting clients| | | | Clients wear seatbelts| | | | Childproof locks are used when transporting children and clients with dementia| | | | Ensure that employees and volunteers who transport clients in private vehicles have comprehensive insurance and notify their insurance company of the activity| | | | Employees and volunteers are trained in manual handling techniques specific to moving people with physical limitations or disabilities and equipment such as wheelchairs, in and out of vehicles| | | | 5. Client aggression and violence Workplace violence is defined as any incident where a worker or manager is abused, threatened or assaulted in situations related to their work. Client related violence is described as violence or aggression displayed by a client of a service, towards the workers, when trying to provide support services to the client. Workplace violence includes acts such as physical assault, including spitting, verbal abuse or threats, threats with a weapon, sexual assault, robbery and vandalism. The main objective when dea ling with client aggression and violence is to prevent the behaviours in a positive way. Violent or aggressive behaviour on the part of a client in the workplace may result from both client and worker related issues: * Communication difficulties eg inability to express needs verbally to carers * Health problems eg physical illness, pain * Fear eg not being informed of changes * Environment eg amount of people, noise levels * Emotional, psychological, psychiatric eg feelings of frustration or depression * Poor self esteem * Experience of abuse * Limited knowledge or lack of information provided to workers about triggers for individual clients * Unsuitable workplace practices * Poor match between worker skills and client needs * Behaviour support plan not updated or followed Client related violence in the workplace may be minimised by: * Thorough assessment procedures with new clients * Workers trained, supported and following behaviour support plans * Client management/individual plans updated and reviewed regularly * Reassessment procedures if client circumstances change * Provision to clients and their carers of information about rights and responsibilities to behave in an appropriate manner * Matching of skills and abilities of workers to client needs * Provision of information and training to workers as part of induction and ongoing training programs * Adequate staffing levels * Appropriate client placement The action you take in the event of client related violence will depend on a number of factors. A useful strategy for assessing a situation is by using the THREAT model T| Do I feel threatened? | H| Am I hidden? | R| Am I at Risk? | E| Is there an Escape Route? | A| Can I raise the Alarm? | T| Am I working at a risky Time? | The earlier potential aggressive behaviour is identified, the greater likelihood of successfully de-escalating violence and keeping everyone safer. It is important to remain as calm as possible and know your options. You should leave the situation when you feel * you do not have the skill to deal with the situation * your deescalating attempts are not working * you endanger others by staying when you are alone with an actively aggressive or violent client If the situation is moving towards physical violence, without putting your own safety at risk, try to reason with the client using non-confrontational language, and utilise the client’s management plan fo r the behaviour. Do not try to physically stop them damaging property and do not try to restrain the individual. Be ready to leave if you cannot de-escalate the client’s behaviour and there is risk of physical harm or lives are at risk. You may have to call the police. Example of Violent incident report form 6. Emergency Procedures In the event of a fire or bomb threat or any other emergency, safe evacuation of yourself and others around you, from the source of the emergency is the main priority. Type of Emergency| Response Procedures| Fire/smoke| -Close all doors and windows to isolate spread of fire and smoke-Investigate the cause of the burning/smoke smell-Rescue/move persons in immediate danger to safety-If fire has not been confirmed, warn others in the area but do not shout â€Å"fire†-Report to supervisor or manager when you discover the smell of smoke -If fire has been confirmed, rescue/move persons in immediate danger to safety-break glass alarm and push button-report emergency to supervisor immediately-if safe to do so, extinguish fire-call 000 for fire brigade services-ensure staff members proceed to main entrance and follows evacuation route-ensure prompt and orderly removal of patients and visitors| Bomb threat by phone, mail or person on site| -do not use mobile phones, cellular phones or two way radios for communication in the threat areaIf you are the recipient of the call, do not interrupt and do not hand up at end of call-let caller finish message-keep responses to one or two words only- tr y to pass message to co-worker without alerting caller or causing panic-try to keep caller in conversation. Be sympathetic and ask for repeats of the conversation-stress that there will not be time to evacuate all patients from the area-stress innocent victims present-take note of the timeIf you are the recipient of the mail, take particular time and method of receipt of the item-keep item but minimise handling and handle by edges only-immediately notify supervisor or manager-be available for police interview when required If threat is on site, evaluate the person making the threat:-is the person complaining about the workplace or particular staff? -is the person under the influence of alcohol or other drugs? -was the threat made in a joking manner? -take particular not of appearance, clothing, ge and identifying marks-immediately notify supervisor who will call 000- be available for police interviewAvoid panicEvacuate all persons to safe area as advisedEnsure no persons return to danger area until all clear given from emergency servicesBomb search is not mandatory but is desirable -do not touch any suspect item found-always search in pairs-listen to any sound out of character| 7. Manual Handling Manual handling is any lifting, moving, pushing, or pulling that requires a worker to exert physically activity. Manual handling hazards A hazard is something with the potential to cause injury or disease to people, damage to property, or disruption to productivity. Hazards arise from the workplace environment, such as the use of plant and equipment, poor work design, inappropriate systems and procedures, or human behaviour. Examples of manual handling hazards in the aged care and disabilities sectors can include: * Lifting tasks such as moving a person in bed, assisting to stand, transferring to a chair or wheelchair and lifting objects * Pushing/pulling tasks, such as pushing trolleys and wheelchairs, moving shower chairs, and dressing clients * Carrying trays and other items * Reaching and postural tasks such as feeding a person and showering * Restraining tasks The risk factors for manual handling are influenced by: * Postures adopted * Movement undertaken Forces exerted * Environmental conditions such as underfoot conditions, lighting and heat * Duration and frequency of the task In people handling, the risk is also affected by: * The ability of client to support/control part/whole of the body * Predictability in movement or behaviour * Res istive or aggressive behaviour * Pain levels * The clients ability to follow instructions * Any equipment attached to the client eg catheters, IVs etc * Client clothing There are a number of ways to identify manual handling hazards, including: Check injury/hazard reports Check injury, incident and hazard reports for injuries or hazards related to manual handling. Consult with employees, supervisors and health safety representatives It is important to ask a range of employees to take into account different levels of experience and physical characteristics. Consultation should include: a) Asking employees about which manual handling tasks they consider may lead to physical strain b) Talking to supervisors about any difficulties they are aware of that staff have experienced carrying our manual handling tasks c) Consulting with health and safety representatives on manual handling problems that they have become aware of as part of their functions Look at tasks Carry out workplace inspections and identify any relevant contributing factors eg slippery floors and observe the manual handling tasks Collect information From checking injury/hazard reports, asking other people in the workplace and looking at the tasks you can collect information on a) Tasks performed, eg changing a tyre b) Age and gender distribution of those injured through manual handling c) Occupation, department or section of those injured or involved in the manual handling d) Geographical location where the injury or complaint occurred, tupe of injury e) Any other relevant information Look for trends From the collected information, identify trends or common problems by sorting it into the categories listed in the above section. For tasks – trends may show the presence or lack of risk factors across the various activities that comprise a task. For occupations, departments or sections – trends may show risk factors in a range of activities done by people working in these areas. A high number of accidents or complaints for an occupational group may also indicate a greater likelihood of injury. For age and gender categories – trends may indicate particular employee groups who are most at risk. For locations – trends may indicate problems from lack of space, poor lighting or uneven work surfaces For types of injuries – trends may highlight that the injuries are cumulative in nature. Check injury/hazard reports, check injury, incident and hazard reports for injuries or hazards related to manual handling. Statistics issued by the Australian Safety amp; Compensation Council * The most common injury of all serious claims was sprains of joints and adjacent muscles * Manual handling mechanisms (body stressing) were the cause of 41% of all serious claims with 18% lifting objects and 15% handling objects * The most common claim from manual handling was with Falls (13%) * Every year in NSW approximately 17,000 people are seriously injured or suffer from illness related to manual handling 8. Infection Control Staff and volunteers may be exposed to infectious diseases as part of their work due to the undertaking of personal care or cleaning activities or due to the close proximity to clients. Infectious diseases can be defined as â€Å"a disease that can be transmitted from person to person or from organism to organism and is caused by viruses and bacteria. † They may cause short term illness such as a cold or a longer term condition such as hepatitis. Compliance with standard precautio ns has been shown to significantly reduce the risk of exposure. A high standard of personal hygiene is essential and the following practices should apply to all workers and other persons: * Hands must be washed after contact with blood and body fluids/substances and before eating, drinking or smoking * A mild liquid hand wash with no added substances which may cause irritation or dryness should be used for routine hand washing * To minimize chapping of hands, use warm water and pat hands dry rather than rubbing them * Liquid hand wash dispensers with disposable cartridges including disposable dispensing nozzle are preferable to refillable containers which may predispose to bacterial colonization * Repeated hand washing and wearing of gloves can cause irritation or sensitivity leading to dermatitis or allergic reactions. This can be minimized by early intervention including assessment of hand washing technique and the use of suitable individual use hand creams * Water impermeable gloves must be readily available to all workers and worn when likely to be expose to blood or other body fluids or contaminated materials. The wearing of gloves substantially reduces the risk of hands being contaminated with blood and other body fluids. Hands must be washed and dried immediately after removing gloves as gloves cannot guarantee the prevention of skin contamination and they may not remain intact during use * Gloves should be removed and replaced once the specific task is finished * Waterproof aprons or gowns should be worn when clothing may be contaminated * Surgical marks and protective eye wear should be worn where eyes and or mucous membranes may be exposed to splashed or sprayed blood or other body fluids * Cuts of abrasions on any part of a workers body must be covered with waterproof dressing at all times 9. Employee Duty of Care 10. 1 What is my duty of care as an employee? All employees have a general duty of care to ensure their own safety and health at work. They also have a general duty of care towards others, to ensure their own actions or inactions do not put others’ safety or health at risk. The duty of care applies to anyone who can reasonably be foreseen as likely to be injured by an act or omission. This means you not only have to work safely yourself but you must also ensure that your actions do not affect the safety or health of others. You are also obliged to remove or report any unsafe conditions you see in the workplace. Unsafe acts by others must also be stopped or reported if necessary. 10. 2 How careful do I have to be? You must take the amount of care a reasonable person would be expected to observe. Basic principles are that, firstly, the standard of care required would rise with the seriousness of the injury that could result from carelessness. Secondly, the greater the likelihood of injury, the greater the care that should be taken to avoid it. And thirdly, the easier it is to avoid injury, the more reasonable it is to expect that appropriate measures will be taken to ensure no injuries occur. 10. 3 Who do I have a duty of care towards? The principle of having a duty of care applies to all workers, supervisors, managers and employers at all levels including corporations. It is aimed at preventing anyone from being killed, injured, or contracting an illness because of conditions in the workplace. Under the legislation, gross negligence occurs if offenders knew their contravention of the Act was likely to cause death or serious harm to a person to whom they owned a duty of care, and they acted – or failed to act – in disregard of that likelihood, resulting in death or serious harm to that person. 10. 4 What must I do if I see something wrong happening? Every person working must immediately report to their supervisor any potentially serious occurrence that arises in connection with their work as well as any situation they believe could be a hazard. In turn, the supervisor must immediately advise the manager of the report. This includes near-misses as well as actual hazards. Any injury suffered must be reported to ensure action is taken and to prevent further injury by similar hazards. 10. Work health and safety legislation and Codes of Practice New work health and safety (WHS) laws commenced in NSW on 1 January 2012. The WHS laws replaced the occupational health and safety (OHS) laws in NSW. From 1 January 2012, WorkCover administers and provides advice on the: * Work Health and Safety Act 2011 * Work Health and Safety Regulation 2011. The WHS Act sets out the legal obligations that must be complied with to provide for the health and safety of works. The aim is to provide all workers in Australia with the same standard of health and safety protection regardless of the work they do or where they work. The WHS Regulations specify the way in which some duties under the WHS Act must be met and prescribes procedural or administrative requirements to support the WHS Act. Codes of Practice provide practical guidance on how to meet the standards set out in the WHS Act and the WHS Regulations. Codes of Practice are admissible in court proceedings as evidence of whether or not duty under the WHS laws has been met. They can also be referred to by an inspector when issuing an improvement or prohibition notice. It is recognised that equivalent or better ways of achieving the required work health and safety outcomes may be possible. For that reason, compliance with the Codes of Practice is not mandatory providing that any other method used provides an equivalent or higher standard of work health and safety than suggested by the Code of Practice. 11. Record keeping and filling in forms Employers are required to keep health and safety records organised and available for reference. Examples of documentation include training activities, first aid treatments, and incident investigations. Written records and statistics can help: * Identify trends for unsafe conditions or work practices so you can take steps to correct these potential hazards * Provide material for education and training * Provide documentation in case a WorkSafe NSW officer requests it or if an incident occurs and you need to prove that you did all you could reasonably to prevent it Maintain records and statistics for the following: You must keep records of consultation on safety matters with your workers * Health and safety program reviews can help you track the progress of your program * Worker orientation records can help ensure that workers are getting the education and training they need * Inspection reports can provide historical information about hazards your b usiness has encountered and how you have dealt with them * Monthly meeting records can help monitor how promptly and how well â€Å"action items† have been carried out * Incident investigation reports can clarify which hazards have caused incidents and how they were controlled * First aid assessments can help determine the first aid requirements for your workplace * First aid records can provide injury statistics that will help prioritise health and safety efforts Statistics that may be of value include the following: * Number of incidents and injuries each year * Number of workdays lost each year Cost to your business from workplace injuries each year In all work places and industries you have to fill in forms. Forms are a way for management to gather information and find out what is going on. Types of forms include: hazard reports, first aid reports, records of illness or injury, timesheets, and shift handover reports are some examples to name a few. Tips for filling in for ms: * Look at the whole form first before you start writing to give you an idea of what you have to write * Do the short bits you know first * You don’t have to write in sentences. Dot points will do * You need to read the questions carefully * Your writing must be clear so others can read it * Check your spelling

What Is Financial Aid How To Pay Less For College

What Is Financial Aid How To Pay Less For College SAT / ACT Prep Online Guides and Tips As college costs continue to rise, financial aid has become a necessity for most college students. Ideally, the listed cost of attendance won’t deter you from applying to or attending the college of your dreams. Knowing about the process will enable you to maximize the amount of financial aid for college you receive and prevent finances from becoming an impediment to reaching your college goals. In this article, I will define and explain the different types of financial aid that are available for college. Furthermore, I will explain how colleges determine your eligibility for financial aid, and I’ll offer you guidance and resources to make sure you know all the different types of aid available to you. What Is Financial Aid? Simply put, financial aid helps students and their families pay for college. Financial aid can cover all educational expenses including tuition and fees, room and board, books and supplies, and transportation. Financial aid can consist of grants, scholarships, work-study, and loans. How Do You Get Financial Aid? For the purposes of this article, I’m going to focus primarily on need-based aid. Need-based aid is financial aid that is awarded based on demonstrated financial need. Aid that may not be need-based includes private scholarships, merit scholarships, and athletic scholarships. Generally, the first step for getting need-based financial aid is filling out the FAFSA, the Free Application for Federal Student Aid. Also, most states and colleges require the FAFSA to receive state-sponsored and institution-sponsored aid. Additionally, some private scholarships like the Gates Millennium Scholarship require applicants to complete a FAFSA. Check the financial aid requirements for the schools you’re applying to. Some colleges have their own forms or use the CSS/Financial Aid Profile Form for non-federal financial aid. After you fill out the required forms, colleges will determine your eligibility for need-based financial aid. Following notification of your college acceptances, each college will send you a financial aid award letter outlining the amount and types of aid it’s offering you. 401K 2012/flickr How Is Your Eligibility Determined for Financial Aid? Within 3-5 days of filing your FAFSA (slightly longer if you don’t fill it out online), you’ll be able to access your SAR, or Student Aid Report. Your SAR is a summary of the information you provided on your FAFSA and includes an EFC, or Expected Family Contribution. Your EFC determines your eligibility for financial aid. The colleges you listed on your FAFSA will have access to your SAR and EFC. Colleges base your aid eligibility and offer on your EFC. What Are Some of the Specific Types of Financial Aid You Can Receive? Federal Grants Grants are a preferable type of financial aid for college because they don't needto be paid back. Essentially, grants are free money for college. You must submit a FAFSA and meet federal aid eligibility requirements to be eligible to receive federal grants. Pell Grants The Pell Grant is intended to help low-income students finance their post-secondary education. For the 2015-2016 year, the maximum Pell Grant award is $5,775. The amount of your award is based on your demonstrated financial need, which is determined from the information on your FAFSA. You can estimate the amount of your Pell Grant before you submit your FAFSA by using the Pell Grant calculator. Federal Supplemental Educational Opportunity Grants The Federal Supplemental Educational Opportunity Grant (FSEOG) is a grant for undergraduates with exceptional financial need. Again, need is determined from the information on your FAFSA. Unlike Pell Grants, there is only a limited amount of FSEOG money. Students who receive Pell Grants and have the most need get FSEOGs first. The FSEOG program is administered by the financial aid office at each school. Not every college participates in the program. You can check with a school's financial aid office to find out if it awards the FSEOG. The amount you can receive ranges from between $100 and $4,000 annually. The amount of your grant depends on your financial need, when you apply, the amount of other aid you get, and the availability of funds at your school. Teacher Education Assistance for College and Higher Education Grants The Teacher Education Assistance for College and Higher Education (TEACH) Grant is given to students who plan to pursue a career in teaching. As a condition for receiving a TEACH Grant, you must sign a TEACH Grant Agreement to Serve in which you agree to teach in a high-need field at an elementary school, secondary school, or educational service agency that serves students from low-income families.You must do this for at least four academic years within eight years after completing the course of study for which you received the grant. If you do not fulfill the agreement, your grant will be converted into a loan that has to be paid back with interest. The maximum award for grants disbursed between October 1, 2015, and October 1, 2016, is $3,728. If you're interested in the TEACH Grant, you should contact college financial aid offices to find out if theyparticipate in the TEACH Grant Program and to learn about the programs of study at eachschool that are TEACH Grant-eligible. Iraq and Afghanistan Service Grant The Iraq and Afghanistan Service Grant is for students whose parents were members of the US armed forces and died as a result of military service performed in Iraq or Afghanistan after 9/11. Here are the other eligibility requirements for this grant: You're NOT eligible for a Pell Grant on the basis of your Expected Family Contribution. You meet the other Pell Grant eligibility requirements. You were under 24 years old or enrolled in college at least part-time at the time of your parent's or guardian's death. The maximum award for Iraq and Afghanistan Service Grants disbursed between October 1, 2015, and October 1, 2016, is $5,382.30. Federal Loans Most students can't cover the full cost of attendance with grants and scholarships alone; they have to take out loans to help pay for their college education. Loans have to be paid back with interest. Federal loans are preferable to loans from private lenders because federal loans typically have lower interest rates and cost less to pay back. You must submit a FAFSA to be eligible for most federal loans. Perkins Loan The Perkins Loan is a government-backed, low-interest loan meant for students who demonstrate exceptional financial need. Perkins Loans are unique in that no interest accrues on these loans while you're in school. Also, the grace period for a Perkins Loan is 9 months versus the standard 6 month grace period of most other college loans. The grace period is the period after graduation when you won't be accruing interest on your loan. Direct Stafford Loan A Direct Stafford Loan can be subsidized or unsubsidized. For subsidized loans, the US Department of Education pays the interest on the loan while you're in school, during the 6-month grace period after you graduate, and during a period of deferment. You can only receive a subsidized loan if you demonstrate financial need, but any student whoattends a school that participates in the Direct Loan Program can receive an unsubsidized loan. PLUS Loans PLUS Loans are federal loans that graduate students or professional degree students and parents of dependent undergraduate students can use to help pay education expenses. You must not have an adverse credit history and must attend a school that participates in the Direct PLUS Loan Program to receive a PLUS Loan. The maximum PLUS Loan amount is the cost of attendance minus any other financial assistance received. All PLUS Loans are unsubsidized. Simon Cunningham/flickr Additional Loans and Grants States and individual colleges also award grants and loans. You can look up state financial aid programs or contact college financial aid offices to learn more about state-sponsored and college-sponsored financial aid programs. In general, federal Stafford and PLUS loans are preferable to private loans, but private loans are another option if you don't receive enough federal aid. However, federal loans tend to be cheaper and have a fixed interest rate, which means that the rate you’re quoted will not change for the lifetime of the loan. Work-Study The federal work-study programis a need-based program in which the government will subsidize wages for on-campus jobs. Basically, if you're eligible for work-study, you can get an on-campus job to help finance your education. Certain on-campus jobs are only offered to work-study students, and the wages can be relatively generous. Eligibility for work-study is determined through the FAFSA and the other financial aid forms required by your college. Tuition Benefits Some employers offer tuition benefit programs for employees or their dependents. Employers will pay a designated amount of your college tuition through these programs. Check with your employer or your parents' employers to see if they offer any tuition benefit programs. Tax Credits A tax credit will reduce the amount of income tax you or your parents have to pay to help ease the burden of financing your education. The American Opportunity Credit The American Opportunity Tax Credit allows you or your parent to claim up to $2,500 per student per year for the first four years of school as the student works toward a degree or similar credential. The Lifetime Learning Credit The Lifetime Learning Credit allows you or your parent to claim up to $2,000 per year per student for any college or career school tuition and fees. It can also be usedfor books, supplies, and equipment that were required and had to be purchased from the school. Scholarships Like grants, scholarships are free money that is given to you to help finance your education. Scholarships can be awarded based on financial need, extracurricular activity involvement, or academic achievement. Army Recruiting/Flickr Athletic Scholarships If you're a recruited athlete, you may be given a scholarship to participate in sports for your college. Ivy League and NCAA Division III schools don't award athletic scholarships. Merit Scholarships Many colleges will provide scholarships if you have stellar academic credentials. The most selective colleges are less likely to award merit scholarships because the vast majority of students has excelled academically. Also, some colleges will offer scholarships for an extracurricular activity like cheerleading or the marching band. Private Scholarships There are tons of private scholarships available to help pay for college. Each one has different requirements. Some are based on merit. Some are based on financial need. Some are based on your background, affiliations, or extracurricular activities. Some are very unique. You can search for scholarships at College Board’s Big Future. Also,Fastweb is another good site to find scholarships. Military Scholarships Additionally, there are ROTC scholarships and scholarships sponsored by veteran services organizations. Furthermore, the GI Bill can help finance the educations of military service members and their immediate families. How to Maximize Your Financial Aid for College Make sure you submit your FAFSA and any other required forms by the appropriate deadlines. Search and apply for scholarships. Check with the financial aid departments at the colleges you’re interested in attending to see how scholarship awards can affect your need-based financial aid. If you’re hoping to receive an athletic scholarship, be proactive in the college athletic recruiting process. Contact college coaches, make a highlight video, and if possible, attend camps that allow you to showcase your athletic skills to college coaches. I alsorecommend checking out studentaid.gov to learn more about the different types of federal aid, how to apply for them, and the eligibility criteria for federal student aid programs. What's Next? Now that we've answered the question, "what is financial aid?" learn more about specific ways you can get financial aid. If you're an undocumented immigrant,you can't submit a FAFSA or receive federal financial aid, but you can still get financial assistance for college. Also, find out how to win a National Merit Scholarship or scholarships based on your SAT/ACT scores. Finally, check out this post about how to pay for college without loans. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Strategies in Action Assignment Example | Topics and Well Written Essays - 2500 words

Strategies in Action - Assignment Example Lastly, by weighing the relative advantages and disadvantages, a suggested change of thinking is offered for the recommendation. Over the years, global and multinational companies are faced with the choice between standardization and adaptation when it comes to their strategy in different markets. While standardization has been the cornerstone of globalization over the years, it has also been argued that companies that tailor their strategy to their individual country markets have more chances of local success. According to Loyka, â€Å"the globalization of markets is the principal driving force behind the need for global product standardization theory (2003).† The two strategies certainly have their own advantages and their own drawbacks. Therefore, assessing these relative strengths and weaknesses is important when considering entering other international markets and joining the global competition. Johansson in his book â€Å"Global Marketing has identified the advantages of standardization, which according to him includes the following: â€Å"cost reduction, improved quality, enhanced customer preference, and existence of global customers, and the emergence of global customer segments (2000, 367-368).† As according to Loyka: â€Å"While standardization of product design, packaging and promotional material offers important economies to multinational marketers (Buzzell, 1968), little hard evidence is available on the potential benefits arising from a more coherent international image, more rapid international diffusion of products and ideas, and greater coordination and control (Walters, 1986). The gains from standardization range from cost savings and more consistent dealings with customers, to better planning and exploitation of ideas with universal appeal (Buzzell, 1968) (Loyka 2003).† Cost reduction. As companies find their local markets saturated, companies look for opportunities in the international markets. The

Philosophy of Science - Does Creationism qualify as science Essay

Philosophy of Science - Does Creationism qualify as science - Essay Example This new aspect erroneously emphasizes that both the earth and universe were born some 10,000 years ago and the present life form of the earth is the outcome of catastrophes like floods. Some creation scientists again hold that human beings were born out of divine intervention for the presence of intelligence absent in others. The creationism aspect of science on account of the above examples is countering problem for the proper teaching of science. (Skehan & Nelson, 1-2). Thus, the activities of creation scientists are aiming to draw a rift between experimental nature of science and a scientific approach based on false dogmas and religious ideologies. Creationism which fails to impart an experimental outlook fails to be qualified as Science. Controversial Theories of Creation Science against Science Scientific Creationism is observed to largely mingle religious ideologies with scientific doctrines causing the formation of erroneous facts which cultivate an environment of misinformat ion. In fact, the doctrines rendered by Creation Science which states that the formation and destruction of life forms on the planet were the outcome of a deluge were observed to bear close resemblance to Biblical theories. These facts rendered by Creation Science draw controversies for Science has already stated the age of the earth as amounting to some billions of years. With regards to the development of the large diversity of flora and fauna Science has successfully shown that these diversities sprouted out owing to the effects of evolution. The facts stated by Science gain ground for being supported by experimental observations conducted through the study of fossils which claims that evolution is a spontaneous phenomenon and not merely a theory. An endeavor to intensify the realm of Creation Science to reach the Science classrooms was largely contested on several grounds. The Law of the land observed such moves of Creation Science as totally unconstitutional due to mainly three aspects. Firstly, it was observed that such a drive affected the secularity of the region and legislation. It is because the approach of Creation Science is considered to have strong linkages to the Catholic religion. Secondly, it was held that the Creation Science’s approach was involved more in spreading religion than centered on imparting knowledge. Thirdly the approach made by Creation Science was also felt as anti-governmental activity and thus an endeavor was made to restrict its further development. Several schools of the American region were strictly directed to disallow the professing of the doctrines of Creation Science. The activities of Creation Science however did counter less halt as it came out with the doctrine of ‘Intelligent Design’. The theory of ‘Intelligent Design’ is considered to be propounded by the Creation Science theorists to counter the strength of legislative actions imposed upon it. The theory of ‘Intelligent Desi gn’ propounded by the Creation Scientists presents itself in two parts. The first part aimed at totally criticizing the theory of evolution framed by Charles Darwin. It aimed at stating that the theory of evolution was totally wrong and practically suffered from absence of a strong base. In the second part the concept of ‘Intelligent Design’ tried to focus that each of the different life forms on earth including the intelligent human beings were the actions of some