System Law Essay Example for Free

System Law Essay Law is a system that can give a person rights, restrictions, and forbid a person from many different acts. Laws are to protect communities in many different forms. It was designed to protect our rights as Americans. It is also set to protect people as consumers and business owners alike. Although, many people refer to law as a restriction it is also a protection for many people. The most known way law is a protection is for consumers and business owners. It protects consumers from false advertising, which protects the health or well-being of a consumer. It protects business owners in some situations by allowing business owners to own their business separate from their personal finances. I am currently employed with Southwest Securities, FSB. Southwest Securities is a full service bank and investment firm. Over the most recent years banking has been under the gun for many changes in the law and also regulations for protection of consumers and banks around the country. Currently my bank is operating under a cease-and-desist order that is allowing us to make changes on our policies to better the company. Southwest Securities FSB, as mentioned is a full service bank for customers. There are many regulations to follow in banking. Regulation E protects the bank and consumer on electronic funds transfers which includes ATM, debit cards, bill payment, and online banking transfers. Any transaction that is considered â€Å"electronic† and requires no paper is covered by this regulation. When a customer comes in to open an account they are given a disclosure that covers this regulation and outlines the companies policies for this regulation. The most common regulation that is used the most is regulation CC. This regulation is known as the funds availability policy. This policy protects our banking customers and our bank. This allows the bank to place a hold on a check that is a large amount, a check that is forged, or a check we believe is no good for any reason. This policy protects the consumer from immediately using funds on a check that may bounce or be returned. This also protects the bank from having to pay for an overdraft on a customer’s account. If the bank doesn’t place a hold on the account then the bank may end up covering the costs to put the customer’s account back in the positive. The cease-and- desist order that was put on our bank is an order that was issued from the Federal Deposit Insurance Corporation (FDIC). We were placed under this cease-and-desist order because we had many loans that were not being paid off and the bank was taking a large loss on these loans. The FDIC ordered our bank to follow certain rules and meet certain requirements for them to â€Å"lift† the order. One of the many changes the bank made was we changed our Board of Directors. The new Board of Directors has changed many policies and has worked closely to meet regulators requests. We have part of the order lifted already but we are restricted on the types of loans that we can originate at this time. With continued efforts, improvements on policies and ensuring we are following all banking laws closely the bank will be able to lend money again in the near future. These regulations listed above are just the beginning of laws that apply to banking but they are the ones that are referred to daily in my job duties. The law is not used just to protect businesses and consumers. It is also used to protect us as citizens. For instance, a person who feels they were wronged by another person or has a debt due to them from someone else may file in civil court.

Moving and Literature :: Moving Immigration Essays

Moving and Literature Since I was six, my mother, sister and I have been moving to different places. Whether these were permanent moves or not, they have impacted me. The first of all moves was to an entirely different country, from Peru to U.S.A. I left my extended family, friends and surroundings behind for an unknown place. Although it was a dramatic change for me, I realize now how much that first change has influenced me in many ways. It has changed the way I view myself, and the way I tackle new experiences. A famous man once said, â€Å"America is my country, but Paris is my hometown.† I believe he too shared my feelings, that one can love two places equally yet differently without being partial to either one of them. When I compare all the places I have ever been to, I find that each one has left a unique trace in me. I do not find any one superior although they all stand out in their own way. Richard Ford, author of I Must Be Going, offers a different view to this argument: â€Å"It may simply and finally be the way most people feel when they are settled is the way I feel when I move: safe and in possession of myself†(111). Ford explains to the reader that the way he lives his life, frequently changing locations, is what his life is all about. The restrictions of having to stay in one place for the rest of his life is a frightening thought. Ford presents a good point; he believes that home is literally where the heart is. He feels at home when he is in the company of his family, not when he is in familiar four walls, like many do. I do not believe in Ford’s nomadic lifestyle; I like staying in one place, but I want to visit others and travel as often as possible.

Geoecology-Human Impact on Biomes

Humans have impacted on natural activities in the Sahel region and the desert biome region by over-cropping, overgrazing and deforestation. The Sahel is a narrow strip of land between the Sahara to the north and the Savanna and equatorial rain-forest to the South. It is a dry (Semi-Arid) region receiving rain in the wet Season from June to September. The Sahara desert is growing South by up to 5-10 Kilometers each year. Which is mainly due to human activity. Overgrazing: the people of the region were traditionally Nomadic. They moved following the rain and pasture- land. Wealth was defined by animal ownership by the tribes of the Sahel. As the number of cattle and goats increased so did the competition for grazing land. They allowed the animals to graze the land more than it could sustain. Young trees were also grazed. Herders also moved animals onto marginal grazing land until there was little or no vegetation remaining. Wells were sunk to provide water for all the animals. This made herders remain longer in the one area applying more pressure on the land. The wells used up all the ground water causing the water tables to fall. Eventually the wells dried up along with the land around it. As the human population increased farming methods changed, Nomadic herding was replaced with a more settled style of herding. Farmers began to fence in land and work it more intensely. Leading to soils being overused an d exhausted. Soils began to lose structure an minerals. Vegetation was lost due to the large numbers of animals grazing and trampling the land. It was also unable to grow back because the soil was now drained of all its nutrients. This in turn has a knock on effect, when the vegetative cover is lost it leaves the soil exposed to erosion by wind and heat. It leaves an easy job for heavy rain to wash away the topsoil. Over-cropping: The population of the region grew rapidly and this led to an increased demand in food. Grazing became replaced by growing food crops. The increased demand for food meant that the ‘Fallow Year' was abandoned. Farmers were also put under pressure by the Government to grow ‘Cash Crops' to help repay their International debt. this continuous usage of the grassland robbed the land of its nutrients and minerals. Soon this land became sterile and worthless. Farmers now needed more land in order to achieve the same return. ue to the shortage of wood people burned dried manure for heat and cooking, instead of using it on the land as a fertiliser. As the vegetation cover was reduced the amount of humus available was also reduced. Crops began to fail and again soil has lost its cover and was now vunerable to wind erosion. Deforestation: Wood accounts for around 90% of the energy requirements in the Sahel. Deforestation is ‘the loss of forests due to th over-cuttingvof trees'. Trees slow down the wind and their roots help to bind soil, they also absorb moisture during heavy rainfall. The removal of trees leaves soil exposed to erosion. The land which had been shaded by trees becomes dried out and burned by the sun, resulting in desertification. There are methods to solve the problems of over-cropping and overgrazing . Crop rotation is one way in which the soil is not exhausted, and so stop desertification. Farmers can also place lines of small stones acroos the land to act as dams. Here the water has no where to go but to be absorbed by the soil.. This reduces run-off and increases soil fertility. Contour ploughing is when the land is ploughed across rather than vertically. This to in the same way as the stones act as a dam and prevents run off and stops the topsoil being washed away in heavy downpours. Farming methods such as strip farming, where crops are planted widely spaced then a different plant is planted in the gap. This ensures the land is not being depleted of nutrients and the fact the crops are harvested at different times means both plants will be using different minerals. Shelters belts (trees) are also planted to prevent soil from wind erosion. Also shelter belts are normally friut producing trees which also provides a source of food.

Analysis About the Phenomenon of Racial and Gender...

I have read a book written by Darlene E. Clover, which named Global Perspectives in Environmental Adult Education: Justice, Sustainability, and Transformation. This book outlines theories and practices in environmental adult education that are emerging worldwide. The need for environmental adult education arises not from a deficit platform of andlaquo; lack of awareness and andlaquo; individual behavior modification-but rather from the asset belief in an existing - if sometimes hidden - ecological knowledge of the need for a deeper sociopolitical, race, and gender analysis of environmental problems, and the power and potential of democratic participation and collective action. Authors from Canada, the Philippines, Kenya, India, Mexico,†¦show more content†¦The federal government has the responsibility to ensure that schools and University comply with civil rights in law, change the different races in educational opportunity inequality. In addition, it is one of the most prom inent problems to accept the equal opportunities of higher education between men and women. Until twentieth century 70s, the U.S began to protect women’s right of education in the form of law. However, many studies indicate that, almost teaching and administration positions are monopolized by men in American higher education. (Deal, J. T., Kennedy, A. A., 1992) This also explains from another aspect women have the opportunity to receive higher education, but did not receive equal education outcome. Women of the revolution, social and economic progress, ideological change, and soaring house prices, all make the phenomenon of boys get big improvement. In todays society, at least in the education, the equality between men and women is obvious. At present the elementary school-age schoolgirls is as high as 99.59%, 0.08% higher than the boy, junior middle school enrollment rate at 95%, and no difference between the boys. (Aronowitz, S., Giroux, H. 2000). In college entrance examinations have girls constitute a 7, which reflects the evaluation system, the girl is careful, the patient to its advantage, and the boy begins to practice ability strong advantage cant be reflected. In the United States, 80% drop out of is allShow MoreRelatedDiscrimination Is A Big Social Problem893 Words   |  4 PagesDiscrimination remains widespread, types of discrimination exist from gender to workplace. In some cases, people are still treated as second-class citizens, lacking basic rights and sufferi ng violence and many kinds of disadvantages. Discrimination is a big social problem that needs to be addressed. In this memo, our group will clearly define current social issues such as sexual discrimination and racial discrimination, deeply analyze these two issues, and provide specific solutions for managersRead MoreAn International Student At Swinburne University1615 Words   |  7 Pageswithin an organization. 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