Consequences of Idenity Theft

Consequences of Idenity Theft Free Online Research Papers The definition for identity theft is the fraud appropriation and use of someones identifying or personal data or documents as a credit card. Identity thieves usually make multiple credit cards under one name causing bad credit and debt to the innocent victim. Most people dont realize that theyve been a victim of identity theft until they either try to buy a car, buy a house, or get another credit card issued in their name. Almost impossible to catch, indentity theives are almost impossible to catch, they are finding newer and newer ways to steal your identity. Identity thieves can get your information in many different ways. The traditional way to get your information is by get shredded credit card applications and bank statements with your SSN number on it. Experiments have been done and even if an application is sent in taped it may be accepted. Another way is that your restaurant waiter/wateriest when swiping your card may take your credit card number. They often are working for some identity theft ring and you may become a victim. The Toll On The Victim Those who havent been victims of identity theft usually dont realize the true toll. The victims often dont get their name cleared. They also have ruined credit and most creditors have lost trust in them, even though it wasnt their fault. They are unable to buy a house, car, or get new credit cards. If they can receive these things, they pay a higher interest rate. It takes years to get their name clear, and their record will always be marked. Their can be many ways to stop identify theft. The major thing you can do is instead of buying a linear shredder, you should buy a criss-cross shredder. Some people also try to limit their credit card use to reduce the risk of their SSN number being spread around. Statistics of identity theft can go on and on. The most startling stats is that identity theft is decreasing. The numbers have gone from 10.1 million in 2003 to 8.4 million in 2007. The yearly fraud amount has decreased from $55.7 billion in 2006 to $49.3 billion in 2007. And also, the mean for fraud amount per fraud victim has decrased from $6278 in 2006 to $5720 in 2007. Regardless of the fact that identity theft numbers are lowering, its still a terrible crime for the victims. The thieves that commit these crimes are almost never caught and ruin the lives of their victims. Whether by credit card aplications, pickpockets, or by someone in allowed contact with your credit card, your identity can be stollen many ways. There is only one way to lower your chances of identity theft is to take percations starting with your shredder and ending with your trust. Research Papers on Consequences of Idenity TheftLifes What IfsCapital PunishmentTwilight of the UAWThe Effects of Illegal ImmigrationResearch Process Part OneAnalysis Of A Cosmetics AdvertisementStandardized TestingHip-Hop is ArtDefinition of Export QuotasPersonal Experience with Teen Pregnancy

Definition and Examples of Primary Sources in Research

Definition and Examples of Primary Sources in Research In research  activities,  a primary source refers to information collected firsthand from such sources as historical documents, literary texts, artistic works, experiments, surveys, and interviews. It is also called primary data and is very different than a secondary source. The Library of Congress defines primary sources as actual records that have survived from the past, such as letters, photographs, or articles of clothing, in contrast to secondary sources, which are accounts of the past created by people writing about events sometime after they happened   Examples of Primary Sources [Primary sources] provide the raw data that you use first to test the working hypothesis and then as evidence to support your claim. In history, for example, primary sources include documents from the period or person you are studying, objects, maps, even clothing; in literature or philosophy, your main primary source is usually the text you are studying, and your data are the words on the page. In such fields, you can rarely write a research paper without using primary sources. (Wayne C. Booth et al. The Craft of Research. University of Chicago Press, 2008) Chief Characteristics The chief characteristics of  primary sources are: (1) being present during the experience, event or time and (2) consequently being close in time with the data. This does not mean that data from  primary sources are  always the best data. . . . Data from human sources are subject to many types of distortion because of such factors as selective recall, selective perceptions, and purposeful or nonpurposeful omission or addition of information. Thus data from primary sources are not necessarily accurate data even though they come from firsthand sources. (Natalie L. Sproull,  Handbook of Research Methods: A Guide for Practitioners and Students in the Social Sciences, 2nd ed. Scarecrow Press, 2002) Methods of Collecting Primary Data If the information you need is unavailable or hasnt yet been gathered, youll have to gather it yourself. Four basic methods of collecting primary data are field research, content analysis, survey research, and experiments. Other methods of gathering primary data include historical research, analysis of existing statistics, . . . and various forms of direct observation. (H. Dan OHair et al. Business Communication: A Framework for Success. South-Western, 2001) Secondary Sources and Their Bibliographies By identifying basic facts, such as year of construction, secondary sources can point the researcher to the  best primary sources, such as the right tax books. In addition, a careful reading of the bibliography in a secondary source can reveal important sources the researcher might otherwise have missed. (Alison Hoagland and Gray Fitzsimmons, History.  Recording Historic Structures, 2nd. ed., edited by John A. Burns. Wiley, 2004) Original Sources The distinction also needs to be made between primary and original sources. It is by no means always necessary, and all too often it is not possible, to deal only with original sources. Printed copies of original sources, provided they have been undertaken with scrupulous care (such as the published letters of the Founding Fathers), are usually an acceptable substitute for their handwritten originals. (E. J. Monaghan and D. K. Hartman, Undertaking Historical Research in Literacy, in Handbook of Reading Research, ed. by P. D. Pearson et al. Erlbaum, 2000) Finding and Accessing Primary Sources This one is entirely dependent on the assignment given and your local resources; but when included, always emphasize quality.  . . . Keep in mind that there are many institutions such as the Library of Congress that make primary source material freely available on the Web.  (Joel D. Kitchens, Librarians, Historians, and New Opportunities for Discourse. ABC-CLIO, 2012)

Causes and impacts of the UK currency devaluation Essay

Causes and impacts of the UK currency devaluation - Essay Example ng the currency with the fourth highest trading volume in the foreign exchange market behind the US dollar, the euro, and the Japanese yen respectively (Pan). The sterling has been generally regarded as one of the high value based currency reserves of the world. Its value, in respect to the other currencies, has been on the higher side. This has been because of various reasons, one of the main being the good and reliable financial markets that the United Kingdom is able to offer to investors worldwide. Due to the stability within the UK, and the ensuing level of trust, it has been able to attract massive inflows because of the bourses and financial markets, particularly in London, providing burgeoning returns. The high value further, allowed greater consumption by the people of the United Kingdom, allowing greater imports and out of country vacations. The current financial crisis however sees the Pound Sterling being drastically devalued. In recent months, the Sterlings decline in value in relation to the euro is interpreted by economists and some political elements within the United Kingdom as evidence of diminishing faith in the British economy on worldwide currency markets. Political elements, especially those belonging to the liberal side have rushed to blame the policies of the Prime Minister Gordon Brown for the collapse in the Sterling’s value (Heffer). Sources close to the treasury hinted that the decision in the pre-Budget report to increase borrowing to fund reduction in taxes had led to a downturn in economic confidence and thus had affected willingness of people to spend, ultimately leading to the drop in the Pound. A Liberal Democrat Treasury spokesman observed that while the decrease in interest rates had been the main reason behind the fall in the sterling’s value, it was supplemented by the expectation that the rates would decline even further (Heffer). The sterling fell almost 17 per cent compared with the euro in 2008 as the Bank of England

How the book house rules reflects upon how a boy in a family lives Essay

How the book house rules reflects upon how a boy in a family lives with asburgers and itellectual challanges - Essay Example In her all absorbing efforts to normalize the elder child, the younger one is thoroughly neglected and he grows up to be a rebel and a thief. The various Asperger syndromes have been clearly shown. The mother’s anguish is visible through her own words. She wants to be a good mother and neutralize her kid’s life as much as possible; still she grieves at each moment when she fails in her attempts. The brother of the AS kid also draws our sympathy in spite of the negative image created by him. He is very miserable in life with an absentee father, an abnormal brother, a busy mother and no money to fund his amusements. His soul cries out for love and happiness and to find out happiness he peaks into happy families. With the passage of time, he becomes bolder in his endeavors and starts house breaking in the absence of the owners and stealing stuff that his mother can’t afford. He feels burdened with having to look after his brother and irritated at having his needs me t before his own. While, the AS child is given all the facilities and care, the normal child is left to his devices. Thus, we find different people reacting in different manner towards Asperger Syndrome that starts from fear and shirking of responsibility (father), over protective attitude (mother), to a feeling of resentment and burdened (brother). House Rules also reflects on the inefficiency of the legal system when dealing with people facing some physical or psychological disability. The legal system is created on the basis of normal citizens and when an abnormal individual falls in its periphery then it become increasingly difficult to save his soul. The judiciary system has been inadequately created to mistrust all abnormal people. There is no word such as â€Å"abnormality† in their dictionary. They would deal with an AS person in the same way as an ordinary individual showing no empathy whatsoever. Thus, over and above the House Rules deals with the trauma of a suffer ing family that has a child with Asperger Syndrome and the inadequate justice system reigning in the country. Asperger syndrome is an autism spectrum disorder where the patient has difficulty in social interaction. The sufferer also show restricted and repetitive pattern of interest and behavior. This disorder is difficult to diagnose as the cognitive and linguistic development are preserved and are almost equal to a normal person. Hence, most of the time this disorder goes unnoticed. In fact, not many people are aware of this disorder and this is the reason that the sufferers do not get the empathy and treatment that they deserve. Jacob Hunt, the central character of the book suffers from this order and has to face several difficulties (besides the obvious ones) because of it. Jacob Hunt is an eighteen years old boy who lives with his mother, Emma Hunt and brother, Theo Hunt. His father had run away soon after Theo’s birth when he had been made aware of his first childâ€⠄¢s condition. Jacob is an intelligent individual with a very sharp mind but his drawback is that he is suffering from Asperger’s Syndrome and is hopeless at expressing himself and reading social cues. Jacob’s highly intelligent mind is revealed by his mother’s words in the first chapter itself: I’ve met so many parents of kids who are on the low end of the autism spectrum, kids who are diametrically opposed to Jacob,

The Rise Of World Oil Price In Malaysia

The Rise Of World Oil Price In Malaysia The article titled Spectre of inflation was posted on 7 March 2011 by The Star Online. It reports the impact of rise in world oil prices and explains how this affects the country. 2.0 Introduction With the world oil prices increasing rapidly, the public is concerned about the effects to the economy of Malaysia in 2011. According to early experiences, the rapidly increasing prices of oil and gas usually affect the countrys economy growth. The aim of this report is to examine the impact of the rise of world oil price in Malaysia using economics concepts and simple diagrams. The report will emphasize on macroeconomics, including topics such as inflation, business cycle, aggregate demand and supply, monetary policy and fiscal policy. At the end of the report, a summary of all the discussions mentioned will be concluded. 3.0 Analysis 3.1 Business Cycle The consistently oil price changes has a great impact on the business cycle. The emerging increase in the world oil price delays the recovery of economy in Malaysia. The effect of the business cycle on oil price changes is illustrated using movements in real GDP. Generally, each business cycle has two phases: A contraction and expansion and two turning points: A peak and a trough. Figure 1.1 shows a hypothetical business cycle. Real GDP Untitled.jpg Figure 1.1 According to Mahbob (2011), the booming price of oil and gas is not positive for the economic growth as Malaysia is just trying to recover after the global financial crisis in 2009. This will lead to recession. Recession usually decreases the inflation rate. This is an exception because the recession is caused by a supply shock. During this period of time, the inflation rate of Malaysia rises rapidly. Eventually, this increases the unemployment rate and causes the real GDP to fell significantly. 3.2 Aggregate demand In the article, it was mentioned that the public have to arrange their spending and pattern of consumption due to inflation. The public are encouraged to increase domestic food production, economized on travels and increase usage of public transports to promote household savings (Mahbob 2011). This will help Malaysia to tame the inflationary stress. Aggregate demand (AD) curve shows the relationship between the price level and the quantity of real GDP demanded, ceteris paribus. The aggregate demand curve is always downward sloping. This is due to a decrease in the price level increases the quantity of real GDP demanded. Meanwhile, the short-run aggregate supply curve (SRAS) shows the relationship in the short-run between the price level and the quantity of real GDP supplied by the firm. The aggregate demand curve also shows the equilibrium level of real GDP. The total spending is equivalent to the total output for each price level. The equation of aggregate demand is shown in Figure1.2 as below: Figure 1.2 The aggregate demand curve will shift if any variable changes other than price level. A change in C, I, G or net Xs will shift the aggregate demand curve. For example, the increase in price of oil causes the households and firms to become pessimistic about their future incomes. They are more likely to save. This will decrease the overall consumption and hence, shifting the aggregate demand curve to the left. To help to ease the inflationary pressure in Malaysia caused by the continuously increasing oil price, C, I, G or net Xs should be increased. The aggregate demand curve will shift to the right from AD1 to AD2 in Figure 1.3 if C, I, G or net Xs are increased. Untitled.png Figure 1.3 3.3 Aggregate supply The aggregate supply (AS) curve shows the effect of changes in total output or real GDP on the price level. The long-run aggregate supply (LRAS) curve is when the real GDP equals to potential GDP and there is full employment. The long-run aggregate supply curve is always vertical because potential GDP is not affected by the price level. An unexpected change in the price of natural resources such as oil will shift the aggregate supply curve. For instance, a sudden increase in the price of oil in Malaysia causes supply shock to happen. The price levels of the outputs increase significantly as a greater amount of inputs are needed for production. Costs of producing output rise. This cause the aggregate supply curve to shift to the left, from AS1 to AS2, as shown in Figure 1.4. Untitled.png Figure 1.4 3.4 Inflation Inflation is generally defined as a process of continuously rising prices, or equivalently, of continuously falling value of money (Laidler and Parkin, 1975, 741). Inflation rate is the percentage rise in the level of price every year. The price of Ron97 petrol was increased to RM2.70 per litre at 1 April 2011, which is RM 0.20 higher than the price before. In 2011, current high oil prices are actually caused by the fears that supply would be disrupted by the unrest and turmoil in Libya and Egypt and the protests in the Middle East. The persistent increase in the price of oil in Malaysia contributed to inflation. Malaysia, who is experiencing high inflation rate, will cause the real income of individual to decrease. This will then decrease the purchasing power of consumer and weakens Malaysian currency. In long term, Malaysia will experience a decline in economic growth. According to the economics theories, the increase in prices of oil is a cost-push inflation. Cost-push inflation is defined as the inflation that arises as a result of a negative supply shock-that is, anything that causes a decrease in the aggregate supply of goods and services (Essential of Economics, 2010, 465). The soaring oil price causes a negative supply shock, which leads to an upward shift in price level and lower real gross domestic product (GDP) in the short run. An increase in oil price causes an increase in the production costs. This shifts the aggregate supply curve to the left, from SRAS1 to SRAS2 in Figure 1.5. This moves the short-run equilibrium from point A to point B. The real GDP falls below its potential level and the price level increase from P1 to P2. Untitled.png Figure 1.5 3.5 Monetary Policy The rising oil prices contributes to a big part of the increase in inflation rate in Malaysia. In Malaysia, monetary policy is determined by Bank Negara Malaysia. The aim of monetary policy in Malaysia is to attain price stability of the currency. By maintaining low inflation, it helps to promote long-term growth and full employment. Bank Negara Malaysia implements open market operations (OMO) to sterilize liquidity changes in the overnight money market to maintain constant cash rate. As shown above in section 3.2, AD = C + I + G + X-M. An increase or decrease in the interest rate will affect the consumption (C), investments (I) and net exports (X-M). However, it does not influence government purchase. For example, an increase in the cash supply on the OMO will lead to a fall in interest rate and an increase in consumer and investment expenditure. During inflation, Bank Negara Malaysia implements contractionary monetary policy to keep the rate of inflation low. Bank Negara Malaysia increases the cash rate at inflationary periods to decrease the cash supply. As a result, interest rate is increase. This will then decrease the investment, consumption and net exports. The aggregate demand curve shifts to the left. Price level and real GDP are decreased. Untitled.png Figure 1.6 As shown in Figure 1.6, Bank Negara Malaysia prevents the aggregate demand to increase too rapid by raising the interest rates. The contractionary monetary policy shifts the aggregate demand curve from AD0 to AD1. The price level decreases from P0 to P1 while the real GDP decreases from GDP0 to GDP1. This helps to reduce inflation.

Narrative on `The Dream of the Rood`

As the first known â€Å"dream poem† in English literature, â€Å"The Dream of the Rood† has stood as one of the most celebrated and profound works in verse around the world. Along with a penetrating, mystical vision of Christian spirituality and illuminating Biblical allusion, the poem offers a diverse and inspired form and diction to match its powerful theme and images. â€Å"The Dream of the Rood is best understood as an imaginative re-enactment of a private penitential experience[†¦] This critically acclaimed, dramatic Old English poem is the first dream-vision in English, and its most enduring features are a startling use of language, powerful prosopopoeia, and striking imagery.† (Butcher) Along with religious imagery which overtly signals the spiritual and penitential themes of the poem, â€Å"The Dream of the rood† extends truly original diction and meter to propel its impact. The basic â€Å"story† of the poem may have been drawn from earlier sources, poems which utilized the same theme: â€Å"an older poem describing the crucifixion of Jesus which may possibly have been written by Caedmon or one of his school, and which Cynewulf took up and worked at in his own fashion, adding to it where and how he pleased, and changing its mode of presentation — making it, for instance into a dream, and adding the personification of the Tree. (Brooke 438) Using the theme of   Christ’s crucifixion allowed the poet to soar into inventiuve language and word-choice, to establish poetry which addressed the spiritual and religious impulses of the Anglo Saxon world: â€Å"More explicitly in what is perhaps the most famous of the Anglo-Saxon Christian poems, The Dream of the Rood, the poet represents the Crucifixion as a physically active and heroic act.† (Crafton 214) This basic story is both straightforward and mystical: â€Å"the speaker tells of his swefna cyst, best of dreams, in which he sees the cross of the crucifixion, alter nately bejeweled and bloody, in the sky. The cross then speaks, giving its own first person account of the Passion of Christ, and encouraging the dreamer to spread the message of the cross to his contemporaries.† (Dockray-Miller)  Ã‚   In order to capture the luminous and exalted feeling of inspiration and religious intoxication which permeate the poem, the poet engaged in the use of language which is both striking and deeply connotative. In generating the â€Å"narrative† of the poem, the poet resorted to the use of gender-charged or gender-specific language, to â€Å"personify† and attribute qualitites to  Ã‚  Ã‚  Ã‚   the elements of the poem which would enable its message to emerge powerfully.†Particularly concerned with how language could be used to signal a status of power, the poet of â€Å"The Dream of the Rood† used masculine- and feminine-coded language to signal a change in the status of power-figures.†Ã‚   (Hawkins) Evidence of controlled and inspired diction is obvious from the poem’s opening lines: â€Å"the poet announces he will recount the â€Å"swefna cyst,† or ’best of dreams,’ the first-time reader thinks nothing of the phrase except that it signifies excellence in dreaming, perhaps; however, on second and third passes through the poem, the reader becomes aware that this diction deserves close scrutiny[†¦] the poet is establishing that both his narrator’s dream and the tree in that dream are the â€Å"best†; that is to say, they are ultimate truth.†Ã‚   (Butcher). Likewise, the tree, described first in the poem’s fourth line as â€Å"â€Å"syllicre tr?eow’, an absolute use of the comparative â€Å"syllicre,† meaning â€Å"a tree more marvelous [than any other tree].† Syllic is a variation of the adjective seldlic, from which our seldom comes. Thus, â€Å"syllicre tr?eow† can also be translated â€Å"rarest tree.† Immediately, the poet has established the exceptional nature of his subject.† (Butcher). Works Cited Brooke, Stopford A. The History of Early English Literature: Being the History of English Poetry from Its Beginnings to the Accession of King Aelfred. New York: Macmillan, 1892. Crafton, John Michael. â€Å"11 Epic and Heroic Poetry.† A Companion to Old and Middle English Literature. Ed. Laura Cooner Lambdin and Robert Thomas Lambdin. Westport, CT: Greenwood Press, 2002. 210-229. Dockray-Miller, Mary. â€Å"The Feminized Cross of ‘The Dream of the Rood.'.† Philological Quarterly 76.1 (1997): 1+. Hawkins, Emma B. â€Å"Gender, Language and Power in â€Å"The Dream of the Rood†.† Women and Language 18.2 (1995): 33+. Butcher, Carmen Acevedo. The Dream of the Rood and Its Unique, Penitential Language 1+ www.carmenbutcher.com 2-5-07.            

Essay about Politics and Money - 886 Words

The late Alabama governor George Wallace once said, Theres not a dimes worth of difference between Republicans and Democrats. Both Republicans and Democrats agree on taking our money. Where they differ is what to spend it on. A Democrat agrees to take our earnings and give them to cities and poor people. A Republican agrees to take our earnings and give them to farmers and failing businesses. Republicans have dominated both houses of Congress since 1994, a year when federal spending was $1.5 trillion. Less than a decade later federal spending in 2002 was over $2.1 trillion, a 37 percent increase. Some politicians might argue that the war on terrorism has been responsible for the massive spending increase. Thats nonsense! According†¦show more content†¦Giles insisted that it was neither the purpose nor the right of Congress to attend to what generosity and humanity require, but to what the Constitution and their duty require. In 1854, President Franklin Pierce vetoed a bill intended to help the mentally ill championed by the renowned 19th-century social reformer Dorothea Dix. In the face of scathing criticism, President Pierce said, I cannot find any authority in the Constitution for public charity. To approve such spending, President Pierce added, would be contrary to the letter and the spirit of the Constitution and subversive to the whole theory upon which the Union of these States is founded. President Grover Cleveland was the king of the veto. He vetoed literally hundreds of congressional spending bills during his two terms as President in the late 1800s. His reason, as he often said: I can find no warrant for such an appropriation in the Constitution. Many Americans erroneously believe that the Constitutions general welfare clause serves as justification for congressional spending on anything they can muster a majority vote. That surely wasnt the vision of the Framers. 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