Posts tagged "Conservative Studies"

I need a topic for a research paper under the topic guideline of "Constitutional Law"?

I need a topic for a research paper under the topic guideline of "Constitutional Law"
As it relates to Criminal Justice – I guess.

I’m stumped, any suggestions?
I’m not sure that "juvenile justice system" relates to constitutional law in and ove itself…
of-whoops. it’s been a long week!

Constitutional law regarding juvenile search and seizure…school searches-lockers, etc.

What are the conservative news sites?

Out of MSNBC, FOX, CNN….etc….

Which ones are they?

FOX and CNN are both right wing. Notice how often they use the word socialism to describe anything which shows the caring face of Americans.

What’s the “REAL DEAL” on HGH (Human Growth Hormone) anyway?

Human Growth Hormone was first discovered in 1956 and its structure was identified in 1972. It was extracted from cadavers, sold at very high prices, and injected with needles into the body.

In mid-1998 the 191 chain Hgh molecule was genetically engineered in the laboratory. Since then all HGH is synthetically produced and HGH from cadavers is no longer in use. Synthetic HGH (Somatrophin) is available to us now in two forms. One is through a costly doctor’s pharmaceutical prescription, and secondly at a reasonable price through a homeopathic oral spray. A third therapy alternative would be Secretogogues and Stacked Amino products which contain absolutely no HGH. The idea here is to coax your own body, by stimulating the Pituitary Gland, to produce more of it’s own HGH. Unfortunately this latter therapy works for only a month or two.

It should be noted that the Federal Drug Administration does not allow any nutritional product (HGH pills) to claim that it can “cure” any disease. However, the FDA does approve Pharmaceutical drugs and Homeopathic preparations to claim they can cure a particular disease and the testing to achieve this status is quite rigorous as we all know.

So, a doctor is permitted to prescribe Human Growth Hormone to a patient for anti-aging even though it is approved by the FDA only as a cure for dwarfism. The Pharmaceutical manufacturer is not permitted to suggest it’s use as an anti-aging therapy, only as a treatment for dwarfism, and one company ended up paying substantial fines and penalties for doing just that.

The large majority of Homeopathic remedies do, with FDA approval, claim to cure various ailments. Homeopathic HGH is one of only a handful of preparations that claims to “cure” nothing. 21st Century HGH is manufactured at an FDA monitored and approved laboratory. The curious difference between pharmaceutical HGH (hgh prescription shots) and homeopathic HGH (oral spray) is that even though the former injects huge amounts of the actual hormone, compared to only a miniscule amount in the homeopathic preparation, the rejuvenation levels are remarkably similar!

Being very conservative the idea of stimulating my own body’s production of HGH through nutritional supplements sounded the most “natural” to me. However, the authoritative Physician’s Desk Reference Manual rates different forms of absorption by the body and yields eye-opening information. It says that when you swallow a pill, less than 10% of the nutrient actually gets into the blood stream. The other 90% is processed as waste by the gastrointestinal tract.

Oral absorption through the mucosa (the lining of the mouth) is the preferred choice of medical experts because the body absorbs 90% of the nutrient into the bloodstream. That’s a huge difference. What was not a big difference to us, but was still very interesting, was that oral absorption (90%) was higher than intra-muscular injection (80%).

So, piling a bunch of substances into my body in the form of stacked amino acids and secretagogues, most of which would actually pass through me, just to coax my Pituitary Gland into a little bit of action didn’t seem like a plan to me.

The Human Growth Hormone market is beset by some overzealous marketeers who sometimes make claims that are somewhat misleading, especially in the area of human growth hormone clinical studies. I’ve read through many entire websites which make claims, based on pharmaceutical HGH, that imply the same results will occur with their nutritional product. They are just “fast talking” their clientel and many have had action taken against them by the Federal Trade Commission.

If you are interested in a great rejuvenation therapy stick to either pharmaceutical injections under the care of a doctor or homeopathic oral sprays that can be purchased over-the-counter. The FDA has approved oral sprays for over the counter sales. They are generic in nature. There is only one “recipe” that works and all the companies use this recipe. Beware of companies that claim that their oral spray is more potent than the next. It’s impossible.

Good Luck and Happy Living!

Michael Harvey
http://www.articlesbase.com/health-articles/whats-the-real-deal-on-hgh-human-growth-hormone-anyway-28107.html

Impact of Globalization on Indian Financial Services Industry

BY

Dr.V.V.S.K.PRASAD.,M.Com.,M.B.A.,Ph.D.,

Professor and Head

E-Mail: vskprasad.vempati@gmail.com

ABSTRACT

Reforms of the financial sector constitutes the most important component of India’s programme towards economic liberalization.  The recent economic liberalization measures have opened the door to foreign competitors to enter into our domestic market. Deregulation in the form of elimination of exchange controls and interest rate ceilings have made the market more competitive.  Innovation has become a must for survival.

Many  of the providers and users of capital have changed their roles all over the world.  Financial intermediaries have come out of their traditional approach and they are ready to assume more credit risks.  As a consequence, many innovations have taken place in the global financial sector which have its own impact on the domestic sector also. The emergences of various financial institutions and regulatory bodies have transformed the financial services sector from being a conservative industry to a very dynamic one. In this process this sector is facing a number of challenges.

In this changed context, the financial services industry  in India has to play a very positive and dynamic role in the years to come by offering many innovative products to suit the varied requirements of the millions of prospective investors spread throughout the country.

Overview

Reforms of the financial sedctor constitutes the most important component of India’s programme towards economic liberalization.  The recent economic liberalization measures have opened the door to foreign competitors to enter into our domestic market. Deregulation in the form of elimination of exchange controls and interest  rate ceilings have made the market more competitive.  Innovation has become a must for survival.

Many  of the providers and users of capital have changed their roles all over the world.  Financial intermediaries  have come out of their traditional approach and they are ready to assume more credit risks.  As a consequence, many innovations have taken place in the global financial sector. Which have its own impact  on the domestic sector also. The emergence of various financial institutions and regulatory  bodies have transformed  the financial services sector from being a conservative industry to a very dynamic one. In this process this sector is facing a number of challenges.

Growth in financial services (comprising banking, insurance, real estate and business services), after dipping to 5.6% in 2003-04 bounced back to 8.7% in 2004-05 and 10.9% in 2005-06. The momentum has been maintained with a growth of 11.1% in 2006-07.

Impressive progress in information technology (IT) and IT-enabled services, both rail and road traffic, and fast addition to existing stock of telephone connections, particularly mobiles, played a key role in such growth.

      Because of Globalization, the financial services industry is in a period of transition. Market shifts, competition, and technological developments are ushering in unprecedented changes in the global financial services industry. Organizations in this highly competitive and increasingly regulated industry will especially need to focus on making themselves more:

Ø      Adept to face increasing transaction volumes, regulation and the integration of previously disparate global markets

Ø      Agile at identifying and managing risk

Ø      Operationally efficient

Ø      Customer – centric

Ø      Optimized in both business & technology

In this scenario, spearheading IT initiatives has become critically important.

Major spending initiative priorities tend to focus on automation to reduce costs and lessen risk, along with using BPO to gain efficiency and allow internal IT organizations to focus on strategic initiatives. Delivery of these capabilities at a high efficiency level but at low costs is one of the major success factors for any financial services business.

OBJECTIVE:

The objective of the present paper is to  examine the status of Financial Services Industry in India and to study the challenges before this industry due to globalization

          To enhance their competitive advantage in this changed environment, financial services institutions are increasingly harnessing new technologies to provide superior customer offerings and streamline internal processes. Today’s dynamic marketplace demands that financial services providers emphasize on technologically advanced, feature-rich solutions, that can operate in real-time and with the highest degree of precision and reliability.

Information technology is increasingly being considered as critical to the strategic direction and the day-to-day operation of financial services firms.

Growth in financial services is being bolstered by the opportunities of demography, emerging markets and ever more innovative products and services. Yet, organisations also face the challenges of mounting competition, more complex regulation and ever more exacting customer expectations. Effective growth strategies are therefore likely to cut across all operating processes and functional boundaries. Key priorities include ensuring that the business model takes full account of customers’ needs, tax, financial and regulatory considerations and the organisation’s capacity to change the way it does business. In turn, the objectives and criteria for success need to be clearly measured.

                    A survey of more than 250 financial services executives carried out by PricewaterhouseCoopers in 2006, found that respondents believe that existing customers will be their main source of organic growth. Creating operations that can retain and deliver profits from customers through their lifetime will demand a significant investment in data gathering and relationship management and may therefore require a shift in the prevailing cost-income model. This includes a re-think of training, reward and performance management strategies including a move from volume-based incentives to rewards geared to client satisfaction and the profitability of the customer over the lifetime of the relationship. Success will also require timely and insightful metrics on customers’ evolving attitudes and preferences.

The  Financial Services & banking industry is changing at a fast pace. These changes are throwing up fresh challenges like managing complex technological divergence in a converging market. Banks strive to constantly offer more to the existing customer base. To achieve this, they emphasize on more targeted technology investments and high-quality service. To remain competitive, financial institutions will have to renew their commitment to investing in new technology strategically — to reduce costs, improve efficiencies, and boost revenue-generating initiatives.

Taking full note of these challenges, OFS puts together its banking practice to help financial institutions improve enterprise performance, comply with regulatory mandates, boost operational efficiency, and better serve their customers through OFS’ spectrum of solutions and services derived from proven track record of domain expertise.

The Challenges

Among the key IT challenges facing the Financial Services industry today is:

• Preserving investments in old systems while leveraging new technologies to drive down transactions costs, expand and improve customer service
• Integrating enterprise wide disparate systems to gain operational efficiencies
• Substantially reducing time for deployment of new systems
• Reducing IT costs and obtaining better ROIs for new investments in the long-term

                Only a carefully thought out long-term IT strategy backed by execution, implementation and support capability can meet these challenges successfully.

Today’s financial services firms face mounting pressures on all fronts:

• Credit markets are creating industry turmoil
• Tightening credit guidelines that threaten revenue streams
• Growing reporting and risk management obligations like Sarbanes-Oxley, Know Your Customer and Basel II
• The difficulties of sustaining growth in overly-saturated markets
• Innovative products that address the needs of a diverse client base such as retirees and young emerging and ethnic segments
• Growing concerns over customer data security and identity management
• Increasing competition not just from traditional competitors, but from other organizations that expand their service offerings
• The complexities that arise from mergers and acquisitions and from expanding into the global marketplace

          Whether we are trying to maintain competitive advantage, looking for ways to position our self better for mergers or acquisitions or expanding into the global marketplace, the challenges are as complex as they are varied. And while we deal with these fundamental concerns, we are met with increasing demands from investors, regulators and customers.

The Answers

How do we succeed in this environment? The first step is to ensure that we have the infrastructure and solutions to support our business strategy. With the right systems in place, our organization can more rapidly comply with regulations, operational risk and security issues. We can also open up new product offerings, reduce customer turnover and minimize fixed costs and maximize productivity. In addition, the companies can leverage outsourcing opportunities to reduce overhead, while still enjoying the scalability they need to support future growth or new initiatives.

The process of globalization has paved the way for the entry of innovative and sophisticated financial products into our country.  Since the Government is very keen in removing all obstacles that stand in the way of inflow of foreign capital, the potentiabilities for the introduction of innovative international financial products in India are very great.   Moreover, India is likely to enter the full convertibility era soon.  Hence, there is every possibility of introduction of more and more  innovative and sophisticated financial services in our country.

Realizing all these factors, the Government of India has initiated many steps to reform the financial services industry.

Ø      The Government has already switched over to free pricing of issues from pricing issues by the Controller of capital issues.

Ø      The interest rates have been deregulated

Ø      The private sector has been permitted to participate in banking and mutual funds and the public sector undertakings are being privatized.

Ø      The Finance Act, 1992 has brought into effect large scale amendments in the tax structure of long term capital gains.

Ø      The Finance Act, 1994 has given a further boost by lowering the lock – in period from 3 years to 1 year, in order to get the entitlement as a long – term capital asset.

Ø      The SEBI  has liberalized many stringent conditions so as to boost the Financial Services Industry.

In this changed context, the financial services industry  in India has to play a very positive and dynamic role in the years to come by offering many innovative products to suit the varied requirements of the millions of prospective investors spread throughout the country.

                                                            *****

Dr.V.V.S.K.PRASAD
http://www.articlesbase.com/finance-articles/impact-of-globalization-on-indian-financial-services-industry-737929.html

Immigration, Integration, And Criminalization

I was born and raised in the west. To say I knew illegal aliens were an understandment. These people were mostly Mexican fresh from the border. Having crossed over, they sought any kind of employment they could. For many years, they became known to us by a demeaning name as “wetbacks”.

They would risk life and limb, swimming the river to get to the USA. As I grew up, I became a professional in the Restaurant field. It was here, that these people came to mean more than just a poor worker from Mexico. In the course of managing, working, and keeping staff, they played an integral part of my business. Yes, even if they were illegal.

They stopped being “wetbacks”. I do not like the term, it is a demeaning word. I use it here to illustrate the bad rap many of them received. They became close friends to me, good workers, and family men. Yes, there were bad apples, trouble makers, and the rest. You always have that. But overall, the ones who helped run my businesses and worked hard were simply family men and women trying to find a better life.

According to the Center for Immigration studies, during the 1990s, an average of more than 1.3 million immigrants from both sides of the field -legal and illegal- settled in America. From January 2000 and March 2003 an additional 3.3 million immigrants arrived. Not all of them Mexican. They come from all spectrums, all nations, and all tongues. The United States Census Bureau projects that in less than 50 years the population of the USA will increase from its present 288 million to more than 400 million. The question bares asking. What are we going to do with them all?

Within this group, you can be sure terrorists will also arrive. These people are bad seeds among the many good people who arrive with them. I have no problem with immigrants. My great-grandfather was one as well. On my grandmothers side, the generation goes back to the revolutionary period. Our family line in one way has been here along time. Great men and women from many nations came to this country to form a new nation. The real area of concern according to the Center for Immigration Studies Director of Research, Steven Camarota, says is that “every part of our immigration system has been exploited by terrorists”. This is true, but then Camarota goes on to suggest that we “cannot reform in just one area, but must address the problem throughout”. Within his statements are the reasoning that we must check not only Middle Easterners visas and backgrounds, but must “carefully check the backgrounds of all visa applicants, better police the borders, strictly enforce the law within the country, and, most importantly, reduce the level of immigration to give government agencies the breathing space necessary to implement fundamental reforms.”

There is no way we can round up 13-14 million illegal immigrants or whatever the number is actually. Who really knows. The authorities have numbers, but then they don’t know either. The point is, no one really knows how many illegal people are here in the USA. No one knows how many terrorists have entered along with them. No one knows really what to do. The only thing everyone agrees on is we must do something. So we debate in Congress, put together legislation, then can’t come to a reasonable solution. Our borders are still open and the flood gates of people are coming in. While we focus on the southern border, our other borders are porous as well.

The National Immigration Forum conducted interviews of illegal people living in Los Angeles, Miami, and Chicago. A Total of 233 such interviews were done in Spanish by trained interviewers. The main premise here is”would undocumented immigrants come forward, get legal, learn English, pay taxes, pay fines, and become US Citizens”. 81% said yes they would live and work in the U.S. the rest of their lives if they were able to legalize their status. 98% said they would make an effort to become legal over remaining undocumented if the U.S. would approve a new law that would allow them to become legal. Also within the questionnaire, the respondents said they would provide accurate information, become fingerprinted, have a criminal background check, pay a fine, learn English, notify the government of change of their address. 90% interviewed said they would become United States citizens if allowed.

No matter what you or I think, this is a big issue. The longer we do nothing about it, the more we have to lose. Making millions of illegal aliens criminals won’t work. They are here already illegal. This makes them a criminal right now according to our law. Many are afraid. Some are terrorists. Still, others are just family men and women working hard to survive. We need to try to legally integrate them into society. They are in our society but they are illegal. This makes them susceptible to crooks and evil men. They need protection of our laws. If they stay outside the law, our system can’t help them. I urge you to contact your congressman or woman and tell them to do something to solve this problem today. The longer we wait, the worse it will get. It will also provide ample opportunity for someone to enter that will cause terror. These kinds of people don’t care whom they kill, just as long as they kill someone living in America. Our future, the future of our kids, and our nation depends that we solve this issue now.

Dana Smith
http://www.articlesbase.com/motivational-articles/immigration-integration-and-criminalization-24270.html

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