...In the rule of Saint Benedict he talks about humility in chapter 7. It talks about virtue in the 12 steps in which the monks can go to heaven. He talks about humility in the sense that the monks have to go by so they can give him the right way and be cleared of all sins. The 12 steps area fear of God, impression of self will, submission to superiors, obedience in any hard or difficult manners, confession of his faults, acknowledgment of one's own worthlessness, preference of others to self, endorsed the common rule, speak only in turn, no laughter, knowing when to speak and exterior humility. Talking about humility the brothers, they want to reach the highest summit of humility which in the steps will get them there. "Angels descending...
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...For this week I decided to stick with Deborah Tannen's book. I choose to read Chapter 7 because I read other student's chapter review and I found it to be interesting. This chapter talks about interruptions. One of the most widely cited findings on gender and language is that men tend to interrupt women. There's an assumption that interruption is a hostile act and can be associated with controversial bullying. The person who interrupts is seen as a malevolent aggressor and the person who gets interrupted is seen as the innocent victim. These assumptions are derived from the idea that interruption is an intrusion, trampling a person's right to speak, and an attempt to dominate. Accusations of interruptions are often seen as hurtful in close...
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...Chapter 7 was about crime. We only did a simple comparison of criminal cases v. civil cases. We skipped Chapter 8 and went onto Chapter 9, which introduced contracts. We discussed the definition of a contract and the sources of contract law. Article 2 of the Uniform Commercial Code for sales of goods, common law for other contracts, and the United Nations’ Convention on the International Sales of Goods are the sources of contract law. The elements of a contract were introduced. These elements were agreement, consideration, capacity, and legality. We classified contracts as bilateral v unilateral, valid, void, voidable, enforceable v. unenforceable, express v. implied, executed v executory, and formal v. informal. These topics were the basis...
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...In “Chapter 7” Irene Hunt discusses, how the previous fire affects the people at the carnival. Josh and Joey leave because Pete Harris has to take care of Emily and her children, with the little that he has. Before they leave, Josh and Joey give their goodbyes to everyone. The boys begin to look for Edward C. However, they can not find him and Blegean gives the boys a letter from him. It expresses how their kindness meant a lot to him. Despite the sadness, the boys still had to leave. In the afternoon, the two boys begin to travel back to Nebraska. They are fortunate enough to catch two rides before it gets dark. The man who gives them their second ride is not like Loonie. He talks about the people who caused the hunger all over the country. However, when the man could not take the boys any further, they get out of his truck. A few days later, they find a group of men around a campfire. The man re talking about the suffering and the starving they are are going through, and how it is not fair to them. Josh realizes that he should not spend his time complaining about the situation the country is in, but he should do his best to get his brother and himself through it....
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...Blown to Bits: Chapter 7- You Can’t Say That on the Internet The internet has long been a place where people go to escape, connect with others, and better themselves. However when children start connecting with people that seek to do them harm, or have a less than appropriate relationship, United States authorities step in. In an attempt to keep children safe, lawmakers drafted legislation that would require children to have adult supervision to access a large portion of the internet. These laws brought to national attention the core idea of chapter 7, how much can you really control what children do on the internet? The balance between keeping children safe and simultaneously keeping them connected to the wealth of knowledge that is the internet. The internet...
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...Chapter 7: “(Everybody’s Waitin’ For) The Man with the Bag” by Kay Starr In this chapter, when Milkman is talking to Macon Jr. he unintentionally mentions a green sack that is hanging in Pilate’s house. Macon Jr. describes the story behind the sack. After their father was murdered, Macon Jr. and Pilate lived secretly in a manor house where Circe worked, but left shortly after and traveled across the woods and countryside until they ran into the ghost of their father. The ghost led them to a cave, where Pilate and Macon Jr. stayed for the night. In the morning, Macon Jr. discovers an old, white man sleeping in the cave, and throws a rock at his head, causing the man to ran at Macon Jr. Scared, Macon Jr. kills the man, and discovered...
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...7 & 17 summary English Chapter 7 * In this chapter Kathy and Tommy begin to suspect that the guardians are hiding facts from them * Eventually they have a chat with Miss Lucy which is triggered by the students discussing their future hopes and dreams * Miss Lucy reveals that the students were created to donate their vital organs when they are old enough. * Post - talk the students realise that they had been ‘told and not told’ and began to piece together the clues from earlier in the novel e.g. the non-smoking * Tommy then cuts his elbow, which then transcends into a running joke that if he straightens his arm his skin will ‘unzip’ and all of his organs will fall out. * This shows us the students are taking and accepting their eventual fate as a light hearted joke * Key Quote:The problem, as I see it, is that you’ve been told and not told. You’ve been told, but none of you really understand, and I dare say, some people are quite happy to leave it that way. But I’m not. If you’re going to have decent lives, then you’ve got to know and know properly. . . . Your lives are set out for you. You’ll become adults . . . and before you’re even middle-aged, you’ll start to donate your vital organs. That’s what each of you was created to do. Chapter 17 * in this chapter, Kathy has a large face - to - face discussion with Ruth, talking about their main problems and feelings * They discuss Ruth’s argument with Tommy about his artwork, and...
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...through reorganization or liquidation. Most cases are filed under the three main chapters of the bankruptcy code. They are Chapter 7, Chapter 11, and Chapter 13. Federal courts have exclusive jurisdiction over bankruptcy cases. This means that a bankruptcy case cannot be filed in a state court. Below is a high-level summary on each bankruptcy code: Chapter 7 – Liquidation under the bankruptcy code: The chapter of the Bankruptcy Code providing for "liquidation," ( i.e., the sale of a debtor's nonexempt property and the distribution of the proceeds to creditors.) Chapter 11 - Reorganization under the bankruptcy code: The chapter of the Bankruptcy Code providing (generally) for reorganization, usually involving a corporation or partnership. (A chapter 11 debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. People in business or individuals can also seek relief in chapter 11.) Chapter 13 – Individual debt adjustment: The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income. (Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.) To some extent, Chapters 11 and 13 are similar. Both types of bankruptcy allow debtors to continue in business and propose plans to restructure their finances. Subject to legal requirements and limitations, a Chapter 11 or 13 plan can: * allow you to retain property needed to operate your business ...
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...Case Analysis: Loewen 1. Loewen was able to grow between 1990 and 1995 through pre-need sales, or sales of cemetery plots for future use. While the pre-arranged funeral service revenues could not be recognized immediately, revenues from the pre-sale of cemetery plots could be. With the Baby-Boomer generation aging into their 50s and 60s, this market represented the major source of growth in the early 1990s. We do not believe Loewen created value with this source of revenue as it was simply benefitting from these customers earlier than otherwise would have been expected.(What about investment income on Cash in Advance?). We feel that pre-selling the cemetery plots only served to steal from revenues that would have normally been expected in the future (may need to add quantitative analysis here). 2. Financial comparison between Loewen and SCI from 1996 to 1998: a. Gross Margin – While SCI enjoyed stable gross margins ranging from 31.08% to 30.58% from the period of 1996 to 1998, while Loewen’s gross margins over the same period declined from 36.54% to 25.68%, reduction to GM of 29.72% (see Financial Comparison Table below). Both companies shared the strategy of growing through acquisition, however SCI focused more on owning acquisitions outright and seemed to realize operational efficiencies and shared fixed costs demonstrated by their consistent GM. Loewen took a less invasive approach and almost requiring original management to remain in place for certain time...
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...discharge. The Federal Bankruptcy Act of 1898 had 3 principal objects in view: 1. To prevent preferences and ensure equality in payment as between the creditors of insolvent debtors; 2. To punish and discourage commercial fraud; and 3. To discharge honest debtors from their debts when overwhelmed by financial misfortune through no fault of their own. The act gave creditors collectively full power over the administration of insolvent estates and placed upon them the responsibility for enforcement of the act. New Legislation The new Legislation enacted by Congress called the Bankruptcy Abuse and Consumer Protection Act was intended to make it more difficult for debtors to file a Chapter 7 Bankruptcy under which most debts are forgiven or discharged and instead force debtors to file a Chapter 13 Bankruptcy under which debts are discharged only after the debtor has repaid some portion of these debts. Herbert Addison reports, On October 17, 2005 President Bush’s bankruptcy reform law goes into effect forever changing the rules of debt collection in this nation. Consumer advocates and the public appear to be...
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...two types: liquidation and reorganization. The U.S. Court of Bankruptcy (2015), states that among the popular proceedings are chapters 7, 11, 12, and 13, which individuals and businesses use to file. Chapter 7 bankruptcies normally fall into the liquidation category. This means that an individual’s own property can be taken away and sold in the process of liquidation in order to pay back the debts. Conversely, chapter 13 bankruptcies fall under the reorganization category, meaning that the individuals will probably be able to keep their property, but they must submit and stick to a plan that will allow the person to repay some or all of their debts within 3 to 5 years. A case filed under chapter 11 of the United States bankruptcy code is frequently referred to as a reorganization bankruptcy. Its bankruptcy proceedings are usually employed by struggling businesses as a way to get their affairs in order and pay off their debts. In addition, some individuals also file for chapter 11 bankruptcy when they are not eligible for chapter 13 bankruptcy or own large amount of non-exempt property (like a home). However, chapter 11 can be much more expensive and time consuming when compared to chapter 13, and the individual will probably need to speak to a lawyer to decide whether chapter 11 is the right pick for them (U.S. Court for Bankruptcy, 2015). The chapter 12...
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...years (www.pbs.org/3.25.05). The bill will make it harder for consumers to eliminate their debt with the use of bankruptcy. There are now new restrictions and a “means-test”, which determine if consumers can have their debts erased by Chapter 7 bankruptcy or Chapter 13 bankruptcy. The bill also makes attorneys liable for any inaccuracies in their clients’ bankruptcy filings. This bill has several controversial issues associated with it and will be explained later, along with the actual provisions of the bill. To understand the controversy, one must first understand what bankruptcy is and the difference between Chapter 7 and Chapter 13 bankruptcy filings. Chapter 7 bankruptcy is a liquidation proceeding in which the debtor turns over all of their non-exempt property to a bankruptcy trustee who converts it to cash to pay off the creditors. Within four months, the debtor is usually relieved of all obligations. In many cases, the debtor has no assets to lose, so Chapter 7 gives the individual a relatively quick “fresh start” (www.bankruptcyaction.com). The most common reasons for filing Chapter 7 bankruptcy include: unemployment, large medical expenses, extremely overextended credit, marital issues and other large unanticipated expenses. Chapter 13 bankruptcy is not as simple. Individuals who wish to pay off their debts in a three to five year period...
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...individual Chapters, each dealing with a different type of bankruptcy) but the bankruptcy laws of each state also play an important part; consequently, though there are bankruptcy kits, you will probably need a lawyer to successfully file and a lawyer search should focus on a bankruptcy attorney or bankruptcy law firm licensed in the debtor’s state of residence. The attorney licensed in your state can tell you how to file for bankruptcy in a federal court within your state. American bankruptcy is actually a form of relief granted by a court, so it is not so much a matter of a debtor “declaring bankruptcy”; rather, someone files a petition requesting that the court discharge or reduce or restructure debts in bankruptcy. In American bankruptcy, a federal court manages a debtor’s property to protect the debtor from his/her creditors and to benefit the creditors as much as possible under the circumstances. While bankruptcy is designed for long-term relief, one of the most important features of filing for bankruptcy is the “automatic stay.” When a petition is filed for bankruptcy, either by the debtor (“voluntary bankruptcy”) or by one of his/her creditors (“involuntary bankruptcy”), most collection efforts such as utility shut-offs, foreclosures, evictions, garnishments and lawsuits, are immediately stopped. There are types of bankruptcy covering all sorts of debtors but the 4 types used by most American debtors are Chapter 7, Chapter 11, Chapter 12 and Chapter 13. Addressing...
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...Environment of Business There are three types of bankruptcy – Chapter 7, Chapter 11 and Chapter 13. This discussion board post will discuss who can file Chapter 7 bankruptcy. Also discussed will be reasons why people file bankruptcy and how interest rates on loans and credit cards are affected by bankruptcy. The Chapter 7 bankruptcy is also referred to as liquidation, Chapter 11 bankruptcy is the reorganization of debt and Chapter 13 bankruptcy is the adjustment of debts of an individual with regular income (Types of Bankruptcy, 2011). An individual may file bankruptcy if they reside in the United States, within the last 6 years must not have been approved for a Chapter 7 release, and must not have been dismissed for bankruptcy filing within the last 180 days (Chapter 7, 2012). Within 6 months of filing for Chapter 7 bankruptcy, a person must also complete debt counseling classes and must pass a means test. A means test is a financial test given to see if a person qualifies for bankruptcy (Chapter 7, 2012). Although there are many reasons why a person would file for bankruptcy, only a few reasons will be mentioned in this discussion. The number one reason for filing for bankruptcy is medical expenses. Forty-two percent of those who filed for bankruptcy in 2010 were due to medical expenses. Twenty-two percent of bankruptcies were due to job loss, 15% for uncontrolled spending, 8% resulting from divorce and 7% due to unexpected disasters (Leading Causes of Bankruptcy, 2010)...
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...Chapter 7 Bankruptcy Chapter 7 Bankruptcy is a “liquidation form of bankruptcy under federal law (Twomey & Jennings, 2014, p. 747)”, in which one can convert property into money to pay a debt or to satisfy other financial responsibilities (Twomey & Jennings, 2014, p. 747). Consumers, such as Andy, must exhibit their inability to repay their debt, as well as, satisfy the requirements outlined in a “means test” in accordance with The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCA) (Twomey & Jennings, 2014, pp. 748-749). A Chapter 7 Bankruptcy “means” test is performed by the state in which one is filing for bankruptcy. In shaping his voluntary decision, in which Andy petitions the court and files for a Chapter 7 Bankruptcy on his own accord, Andy’s “means” testing would be determined by the state of Florida’s median family income. If Andy’s disposable income is equal to or less than Florida’s median family income, then Andy could move forward to petition the court for Chapter 7 Bankruptcy. For the purpose of this case study, we will use the median income for Orange Park, Florida and consider Andy’s household to be 1 since it is not known if Andy claims his dependent child on his federal income taxes. The Bankruptcy Means Test Calculator for Orange Park, Florida (Clay County) calculated Andy’s median income at $2222.22 monthly based on his annual salary of $40,000. In Clay County, Florida the median income for one member household is $3445.00...
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