Elizabeth Warren, The Country s Leading Financial Policy...

Elizabeth Warren, born Elizabeth Herring, is considered one of the country’s leading financial policy experts. Warren fights for lower and middle class families and works to protect them from large corporations and financial institutions. Originally she attended George Washington University, but she dropped out of college after two years to marry and follow her husband to Texas, where she finished her degree in speech pathology (Biography.com, n.d.). While a mother of three and working as a speech pathologist, she decided to attend Rutgers Law School the day of her eldest daughter’s third birthday. She later graduated and eventually divorced her husband. As a single working mother, she became interested in the economic struggles that the†¦show more content†¦Soon enough, she was recognized by President Obama for her knowledge and for being â€Å"an unparalleled communicator on the imperative consumer protection† (citizen.org, n.d.) and was tasked with constructing the Consumer Financial Protection Bureau. One challenge public managers often face is â€Å"responding in a timely fashion to shifts in priorities† (Lynn Hill, 2016, p. 17). According to the Consumer Financial Protection Bureau (CFTB), after the passing of the Dodd-Frank Wall Street Reform and Consumer Protection Act (n.d.) and after President Obama assumed office, one of the first major duties Warren had was to create an agency that held Wall Street executives and other financial institutions accountable for their actions leading up to the 2008 crisis as well as to â€Å"protect consumers from financial tricks and the traps often hidden away in mor tgages, credit cards, and other financial products† (Warren.senate.gov, n.d.). Warren worked relentlessly to connect with small bankers due to their essential role as the backbone to the U.S. financial system and their disproportionate suffering during the crisis. While the closing of such banks had profoundly negative effects on the small towns where they were located, their demise was also detrimental to the financial system as a whole. One of Warren’s priorities was to reach

Hsc Religion - 1027 Words

HSC STUDIES OF RELIGION ASSESMENT TASK TWO SEBOUH KHATCHADOR CHRISTIANITY Baptism is such an important part of a person’s life. The sacrament of baptism goes back to 200 year old tradition. I will be focusing on community for the sacrament of baptism; there are different views, practices and significance of baptism for the individuals across many Christian churches such as Armenian Orthodox, Roman Catholic Church, and Anglican Church. For Orthodox Christians the significance of the sacrament of baptism is in the entry into the church as members of body of Christ. It is the ‘new birth ‘by which we die to the world, and are raised with Christ to external life. It is through baptism†¦show more content†¦They pray the prayers of the faithful and the Lord’s Prayer. After this has done the priest will give his final blessing to the parents, God parents, baby and also family. The significant symbols that are important for baptism are baptismal font , water , oil , candle and white cloth. For Anglicans Baptism can be a source of great joy for family, friends and priest as well as for the person being baptised. When someone is baptised they are incorporated into the body of Christ, the Church. Coming to know the Lord Jesus Christ in a real relationship through baptism, prayerfully and sincerely entered into, is the only way to a fulfilled and joyful life. In the Anglican Church baptism starts off by gathering hymns, pslam or anthem depending on the priest. After that is done the priest greets the community as respect. The Collect of the day is prayed and other prayers as well. After this the priest talks about the lesson from the scriptures which most often are from the bible , then they will be a presentation and examination of the candidate then the baptismal covenant is prayed to bless the baby towards the end they also pray prayers of thanksgiving and the priest will bless the baby over the water. When the baby is washed with the water the prayers of consecration over oils is prayed after this theShow MoreRelatedDiverse And Linguistically Division ( Cald ) Communities1709 Words   |  7 Pagesthat are represented in Blacktown. Identify types of groups these are and propose the main reasons for the formation. The main culturally and linguistically division (CALD) communities that are represented in Blacktown includes; country of Birth and religion. It is evidential that within each of these sub topics that the community of Blacktown is very diverse and therefore, have a higher rate of differentiation. 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Experiences that have left us demoralized and demotivated Free Essays

This famous quote by Corita Kent has become the philosophy of my life. A philosophy that has been imparted in me by years of experience. A look through the events in life reveals that despite the wonderful moments, there are too some worst flashes that are not worthy any memory. We will write a custom essay sample on Experiences that have left us demoralized and demotivated or any similar topic only for you Order Now Experiences that have left us demoralized and demotivated. These events and experience are the most important in shaping our destinies. The road to success is paved with a rough path and sharp bends. It is in negotiating these sharp coners that we are armed with the necessary skills to overcome future challenges. Life is a learning experience and none of the events in life should be in vain no matter the consequences, each should be a learning opportunity. There is this particular experience that happened some years back in high school that though it left me slightly disturbed, it went a long way in creating an understanding about some of my classmates and also know that not all of us pursue the same goals and when we do, we don’t follow the same pass. Some just want to ride on other people’s back. This experience has helped me understand that we are different, not because of our skin colors or creed, but because of our personalities. It has made me to be wary of some students even here in San Joaquin Delta College. Whereas study group are methods used by instructors to impart leadership and team playing skills in students. Some students unfortunately see it as an opportunity to hide behind numbers and ride on the sweat and hard work of others. I recall one time we had been arbitrary allocated study groups by our grammar teacher. We were supposed to look at the history and the evolution of language. Specifically, we were to focus on English’s language relationship with Latin. Most of us were not familiar with each other and our first meeting was dedicated towards socializing and exchanging contacts. We agreed on our schedule and by plan or default I was selected the group leader. I had never before been in any position of leadership even of such a small number. I had not envisaged the sort of challenges that I was to face, but I believed in myself. You see, I have been brought up in a family that believes in hard work and discipline as the key to success in life. Although I was born in Mexico, I have lived in Stockton California all my life and have seen the fruits of my hard work, as I don’t have to work in college to pay for my school fees. I hence have the whole day to dedicate to my studies. In this study group we had been allocated a task that was to be completed within a certain specific however, there were these two male students, Tom and Harris that failed to turn up for any of the study group. Being the group leader, I took up the responsibility of calling them and urged them to turn up or else I would report to our instructor. They did not heed to my warning and I had to inform my teacher. They were struck off the groups list and had to redo the whole unit. They were not happy about these developments and confronted me one day after classes. I am not a coward but I am not brave either, but there was no way I could fail to stand up for what I believed to be right. I told them off and said I would do it again should we ever be in the same group in future. I could tell that they were angry and spoiling for a fight as I could see Harris clutching his belt. I new then that it would get nasty. They were shouting at me and hurling all manner of racist remarks. However I stood my ground and a small crowd began to develop out of curiosity. Seeing that I would not back off, they went away promising to do all manner of nasty things should we ever meet. They did not get to do it as they were transferred from the school later in the week, however this incident has left me cautious of some of my classmates knowing that some of them can be leaches seeking to survive on other peoples sweat and expect to get away with it. This interaction has gone a head in shaping my study relationships as school and I have to take time in choosing my study partners    How to cite Experiences that have left us demoralized and demotivated, Papers

Key Hindrances to Financial Statement Analysis

Question: Discuss about theKey Hindrances to Financial Statement Analysis. Answer: Introduction Key Hindrances/Limitations to International Financial Statement Analysis Exclusion of Expenses The costs doled out to a section ought to incorporate all costs owing to that fragment from the organization's whole value chain. The value chain comprises of real business works that increase the value of an organization's items and administrations. These capacities, from research and development, fabricating, marketing, distribution, are required to convey an item or administration to the client and create incomes. However just assembling expenses are incorporated into item costs for budgetary reporting purposes, a few organizations deduct just assembling costs from item incomes (Martin Fernando, 2011). Thus, such organizations preclude from their productivity investigation part or all or the "upstream expenses" in the value chain which comprise of research and development and item plan, and "downstream costs" which comprise of marketing, distribution and client administration. However, these non-fabricating expenses are pretty much as key in deciding the item benefit similar to the assembling costs. These upstream and downstream costs, which are normally titled offering, general and regulatory expenses on the revenue articulation, can speak to half or a greater amount of the aggregate expenses of an association. On the off chance that either the upstream or the downstream expenses are overlooked in gainfulness examination, then the item is under-cost and administration may unwillingly create and keep up items that over the long haul result in misfortunes instead of benefits for the organization (Gokul, 2012). Wrongful Allotment of Resources A few organizations designate expenses to fragments utilizing subjective bases, for example, deals dollars or expense of products sold (Pamela Frank, 2012). For instance, under the business dollars approach, expenses are designated to the different sections as per the rate of organization deals produced by every fragment. In the event that a section creates 20% of aggregate organization deals, it would be assigned 20% of the organization's costs as what is coming to it. This same fundamental methodology is taken after if expense of products sold or some other measure is utilized as the assignment base. For this way to deal with be substantial, the allotment base should really drive the overhead cost. On the other hand, if nothing else the allotment base ought to be profoundly associated with the cost driver of the overhead cost. For instance, when deals dollars is utilized as the portion based for costs, it is verifiably expected that costs change in extent to change in complete deals. On the off chance that that is not valid then designated to sections will delude (Thomas et al, 2012). Illogically Separating Ordinary Costs in Various Sections The 3rd business review that prompts twisted fragment expenses is the act of allotting non-traceable expenses to sections. For instance, a few organizations allot the expenses of the corporate home office working to items on section reports. Nevertheless, in a multiproducts organization, no single item is prone to be in charge of any noteworthy measure of this expense. Regardless of the possibility that an item were wiped out completely, there would normally be no critical impact on any of the expenses of the corporate base camp building. Therefore, there is no circumstances and end results connection between the expense of the corporate central station building and the presence of any one item. As a result, any assignment of the expense of the corporate central command working to the items must be discretionary. Normal costs like the expenses of corporate central command building are essential, obviously, to have a working association. The normal routine of subjectively distributing these expenses to sections is frequently advocated in light of the fact that "somebody" needs to "take care of the basic expenses. While it is evidently genuine that the regular costs must be secured, discretionarily allotting basic expenses to portions does not guarantee that this will happen. Truth be told, including an offer of normal expenses to the genuine expenses of a portion make a generally productive section have all the earmarks of being unrewarding. On the off chance that a director incorrectly wipes out the portion, the incomes will be lost, the genuine expenses of a section will be spared, yet the normal expense will, in any case, be there. The net impact will be to decrease the benefit of the organization (William et al, 2011). Conclusions This bending of rules comes about because of three practices the inability to follow costs straightforwardly to particular portion when it is doable to do as such, the utilization of improper bases for apportioning costs, and the designation of normal expenses to fragments. These practices are far reaching. One study found that 60% of the organizations reviewed made no endeavor to allocate expenses to fragments on a circumstance and end results premise. References Gokul S. (2012) Financial Statement Analysis, PHI Learning Pvt. Ltd Martin S. F and Fernando A. (2011) Financial Statement Analysis Workbook: A Practitioner's Guide, John Wiley Sons Pamela P. D and Frank J. F (2012) Analysis of Financial Statements, John Wiley Sons Thomas R. R., Elaine H., Wendy L. and Michael A. B (2012) International Financial Statement Analysis, John Wiley Sons William H. B., Maria C. and Maureen M. (2011) Financial Statement Analysis and the Prediction of Financial Distress, Now Publishers Inc