...The government tries so hard to correct the shortcomings of the private sector; and in this sector the people are vulnerable, excluded, or ignored because the government is paying more attention to personal interests that on the needs of the people. In fact, millions of dollars for disaster relief for the victims of Hurricane Katrina were squandered via the Federal Emergency Management Agency (FEMA) during the time when people needed them most. According to the Seattle Times an estimated 900,000 applications were filed with invalid social security numbers, names and addresses (McConnell, Brue, & Flynn, 2015). The government provides individuals with Medicaid and free services; and business owner’s subsidies such as property abatements, and corporate income tax credits and rebates. According to Chris Edwards (2009), the government spends more than $3.5 trillion a year providing subsidy programs to state and local governments, individuals, businesses, and nonprofit groups (para. 4). Therefore, special interests repeatedly accomplish their goal because of the subsidy programs offered by the government and lobbyists. Most of them set up right on the White House steps to advocate their issues to convince policy makers to go alongside their conquests. One great example, NARAL Pro-Choice America, the organization select lawmakers who share the same belief - to protect women’s rights to choose to make the right private decision that could affect their future lives (Vote Smart,...
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...Running Header: Special Interest Special Interest Jermall Cuffee Professor: Dr. Jane El-Yacoubi POL 110 03/03/13 So, when the election is all over. What can the average American do to stay involved in the political arena and not have to wait for the next election? There is one significant way of influencing American government and that is through an Interest Group. Interest Groups also known as advocacy groups, lobbying groups or special interest, are in place to persuade or prevent changes in public policies. They exist for the solemn purpose of conveying the views and defending the interest of a part of society to public officials. There are all types of interest groups in America from animal rights groups to public interest groups to citizen groups. Interest groups get there start when James Madison developed the theme in “The Federalists (No. 10). In it he discussed factions, which was his term for interest groups and Madison believed that will always have diverse interest especially when it comes to economic circumstances and property ownership. Even though interest groups can be found deeply rooted in many different traditions and cultures such as Germany, they are common threads that can be observed in the development of interest groups mostly in Western industrial societies. There are about four phases in which the development of interest groups can be viewed. In what is called the first phase or the preindustrial phase beginning in the 1830s to the 1870s, there...
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...Special Interest Shavonne Holman Professor Steven Holeman, Sr. POL110 March 2, 2013 Define an interest group, with examples. An interest group is an organization whose members share common concerns and try to influence government policies affecting these concerns. Interest groups are also known as lobbies; lobbying is one of the ways interest groups shape legislation and bring the views of their constituents to the attention of decision-makers. A great example of an interest group would be The American Association of Retired Persons (AARP) which has about 32 million members. Interest groups are organizations that seek to influence the decisions of government. According to Truman, interest groups can be defined as groups that, based on one or more shared attitudes, engage in influencing political decision-making, in order to successfully implement certain political goals or values (Truman, 1993). They usually, but not always, are formally organized. The relation between interest groups and government and society is an affirmative one, although groups may at times employ destructive methods in order to accomplish their goals. The existing social order is accepted by interest groups, and governmental power and its institutions are utilized to attain advantages, protect members and to fight political opponents (Truman, 1993). Two kinds of organizations: Institutional Interest and Membership Interest. Institutional Interest are individuals or organizations representing...
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...Special interest groups have a lot of influence on citizens and politicians in society. Special interest groups by definition are a group of people or an organization seeking or receiving special advantages, typically through political lobbying. These groups come in just about every category you can think of and play a factor in electing officials, getting laws passed, and influencing society around them. NARAL is one interest group that fights for the rights of women when it comes to abortions, birth control, healthy pregnancies, and sex education. Since 1969 when first founded, they have continued to fight for women’s rights throughout the years. NARAL Pro-Choice America is an interest group that lobbies for several issues related to reproductive...
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...My special interest is writing. Through elementary, middle, and high school I have improved my writing skills. When it comes to writing, I like to put my imagination or a past experience in a story with characters that reflect the people who I have encountered throughout my life. At a young age, I remember starting my own book. It was nothing special but about a girl's struggles growing up in a big family. The characters that I incorporated were about my own family, my friends, and even strangers that I would see around stores. I wrote about one hundred pages in less than three months. That didn't stop there, I remember that even as young as I was I would take inspiration from just about anything to write a story. For example, I once had an...
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...The Role of Special Interest Groups in U.S. Elections INTRODUCTION According to Jeffrey Berry of The Interest Group Society, "an interest group is an organized body of individuals who share some goals and who try to influence public policy" (Hays). These groups allow citizens to make their ideas, needs, and views known to elected officials, and with more than 23,000 special interest groups nationwide, citizens can usually find an interest group that focuses on their concerns, no matter how specialized they may be (Encyclopedia of Associations). This paper will explore different types of interest groups, their influence, the methods and tactics they employ, and Citizens United’s effects on elections in the United States. TYPES OF INTEREST GROUPS Special interest groups can be classified into numerous categories. Though not an empirical list, these groups generally belong to at least one of the following categories: Economic interest groups are the largest category. These organization represent big business, such as the U.S. Chamber of Commerce, and labor unions like the American Federation of Labor and Congress of Industrial Organization and the International Brotherhood of Teamsters. These corporations and unions usually have offices in Washington, D.C., and represent entire industries (Types of Interest Groups). Government interest groups such as the National League of Cities, the National Conference of Mayors, and the National Governors Association, bring the issues...
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...later on became a restaurant. Said to offer a casual dining experience unlike any other where not only can you expect great food and drinks but also plenty of fun to go around. T.G.I. Friday’s marketed a casual dining restaurant is a restaurant that serves moderately-priced food in a casual atmosphere which targeted the middle income population which was a big majority when they first started out. They targeted their market with different types of promotions and programs such as:- Give Me More Stripes This program offers specials to customers that sign up and can redeem points that will be added into their card whenever they head on to T.G.I. Fridays and dine there. After collecting over a hundred or more points, one would receive a bonus or a special. This way customer would be lured in by the bonuses or specials with the mentality to earn more points every time they dine it so they would be offered the multiple opportunities for the specials BINGO Menu T.G.I. Friday’s has a large enough menu to put together this program. Basically, A BINGO Menu would consist of twelve different items on the T.G.I. Friday’s Menu, ranging from appetizers to entrées and finally a couple desserts. It can be any sixteen items on the menu and even after a few months or after a new menu comes out, they can remake a new BINGO card. The key rules that would be involved with this BINGO Menu would be: 1. Each person who comes in will be asked by the server if they would like to see and try out...
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...Anonymous Evaluation Paper Red Lobster Evaluation Red Lobster is a restaurant that is notorious for claiming they provide excellent seafood. Their promise is to provide tasty seafood while also providing people with a wonderful dining experience. Here is Red Lobster’s story taken straight from their website, “Here at Red Lobster we’re passionate about serving our guests great seafood. It’s why we go the extra mile to bring you the best dining experience possible. Our fishermen take pride in catching only the highest quality seafood, and the freshest fish. Our grill master’s expertly perfect flavors, cooking seafood and steak over a wood fire grill. And our servers pull out all the stops to make every dining experience feel extra special. It’s our passion. It’s our pride. Because at Red Lobster, we Sea Food Differently.” For me, I was anxious to see if the Red Lobster restaurant made me feel like I was having a real, oceanic experience. It is hard to have great seafood when comparing it to fresh, straight out of the ocean, seafood. Like many restaurants, Red Lobster has claimed it provides a comforting atmosphere, tasty seafood, and excellent service; however, I believe Red Lobster actually upholds its overall promise to its guests. Immediately after walking into Red Lobster, I felt as if I was walking into a restaurant striving for that “right off the coast,” appeal. I could sense that Red Lobster was trying its hardest to appeal to every guest that entered through...
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...Loyalty: have frequent customers cards offering a free cup of coffee after paying for 10 cups. Keep an excel file of customer information including all the information that grandpa knows about each customer. Offer free coffee for customer birthdays. Post pictures on a bulletin board so that customers feel special. c) Remaining competitive: should have a lot to do with customer loyalty since initially we won't have the money to invest in top of the line equipment or technology. Constantly visiting area coffee shops see what the competition is offering. Holding focus groups to get feedback from the community. Starbucks Rumor Some of this may be relevant to other parts of the business but I posted it here for now since it relates to employees. - Address employee concerns o Identify examples where other cafes have survived despite the opening of a nearby Starbucks o Provide ongoing employee training to develop great people skills, teach employees about coffees and nutrition to make them experts. o Offer a free meal to employees for every shift of at least four hours and encourage them to try different things so they better know the menu. Give all employees taste of specials for familiarization/recommendation purposes. o Hire employees who are...
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...Shay is a very independent person. She doesn’t like to listen to society. Shay likes to break rules. I like her and I wish to be confident like her. “Tally there’s nothing out there, like you said. Nothing and no one to bust us. “ page 47 Everybody wants to be pretty and once they turn sixteen they can. Shay is one of the only people who don’t want to become pretty. Shay runs away a week before her birthday. Tally stayed behind but now they won’t let her become pretty. Tally has to break her promise and go find Shay because she might be in danger. - Conformity as and individuality as bad\ - tightly controlled inhabitants - unjust laws - limited or complete lack of individual freedom 4. Shay and Tally live in Uglyville. Tally is going to Pretty...
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...Chapter 2 Notes: * Factors that affect Interest Rate is: * Opportunity Cost: 2.8% * Inflation: 2% * Risk: * Default Risk * Interest rate risk: Up and down arrow mark. Interest rate should include all of the above * Different securities have different kind of risk * Real Rate * Nominal Rate = Real Rate + Inflation, 5% = 3% + 2% * Mortgage Rate is highly correlated to 10 year treasury rate * LIBOR * Demand of the dollar is going down because of Chinese currency. Chinese currency is getting stronger. * Right now the dollar is world reserve currency in IMF. Oil is traded for dollars only now. In the future, some other currency will be used and the demand for the dollar and the value will diminish * Fiat currency: dollar is a fiat currency * Bank issues notes for Gold * Bretton Wood agreement: dollar is backed by gold and is linked to other currency. But now no currencies is backed buy gold. * Pay day loan is available immediately with enormous interest rate. * Liquidity Risk (LRP): Something is for example liquid is when I sell shares to get cash. * Short term loan: Higher Interest rate * Long Term loan: Low interest rate * (Slide 22): See notes 1/21/2016 * Know about Dodd Frank: * Problems solved: Lack of regulations * Kept huge bank from collapsing * Risky Periptery trading * SEC office of credit rating * Problem Caused:...
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...Introduction: One of the primary functions of a specialized bank is to extend credit to the deficit economic unit that comprises borrowers of all types. Bank credit is essential of economic development. Without adequate finance, important for the economy in the sense that it can simultaneously finance all the sub sectors at financial area, which comprises agricultural, commercial and industrial activities of a nation. Objective of the study: The main objective of the study is to examine the lending program of Rajshahi Krishi Unnayan Bank, for the period 2001 to 2004. To achieve this objective, the study seeks to realize the following: 1. To assess the condition of credit management system of Rajshahi Krishi Unnayan Bank. 2. To assess the loan disbursement position of Rajshahi Krishi Unnayan Bank during 2001 to 2004. 3. To assess the loan recovery position of Rajshahi Krishi Unnayan Bank during 2001 to 2004. Methodology of my study: The present study is concerned with the analysis of Credit Management system of the Rajshahi Krishi Unnayan Bank. The approach adopted is basically analytical and interpretation in nature considering the objectives of the study. This study uses primary and secondary sources of data. 1. 1. Direct interview; 2. 2. Personal communication; To prepare this report 1 used the following methods of data collection. Direct interview methods: I have collected information and data by direct interviewing of the executives and officers...
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...AND RESEARCH INDORE SYNOPSIS REPORT SUBMITTED TOWARDS THE PARTIAL FULFILLMENT OF MASTER OF BUSINESS ADMINISTRATION AWARDED BY DEVI AHILYA VISHVAVIDYALAYA, INDORE ON “A Comparative Study of Customer Satisfaction From Home Loan Schemes Launched By Government and Private Sector Banks In Indore” (With Special Reference to PNB and ICICI ) [pic] MBA 3rd SEM 2011-2013 PROJECT GUIDE SUBMITTED BY Dr. SHAILASH TRIPATHI VIVEK TRIVEDI FACULTY, (BMCMR) “A Comparative Study of Customer Satisfaction From Home Loan Schemes Launched By Government and Private Sector Banks In Indore” (With Special Reference to PNB and ICICI ) PREFACE The synopsis report on “A Comparative Study of Customer Satisfaction From Home Loan Schemes Launched By Government and Private Sector Banks In Indore” (With Special Reference to PNB and ICICI ) ” is an attempt to know the satisfaction level of customers from the various home loan schemes launched by a government and private sector bank to be selected by the researcher. This research is divided into eight chapters. Their brief account is as under : Chapter 1 deals with the Introduction of the topic which will include the conceptual framework related to the Home loan and its different types. Chapter 2 deals...
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...Note to FI 515 Exam 1 |Access dates: | |7/24/2011 12:00:00 AM to 7/31/2011 11:59:59 PM | | | |Can be reviewed in Gradebook on: | |8/2/2011 11:59:59 PM | | | |Number of times can be taken: | |1 | | | |Time allowed to complete: | |2h, ...
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...22.3 per cent year-on-year from Rs. 907 crore last year to Rs. 1109 crore this year. Only on quarter-to-quarter, the profit has come down. Credit and deposit growth have been a bit sluggish, and consequently your loan-to-deposit ratio (LD ratio) has inched up. Any pressure you are facing on funding side? No. There is no pressure on us. We took a conscious decision of not accepting bulk deposits this year. The deposit growth as per the industry is 6 per cent. We even did not take any bulk deposit last year as there was a 32 per cent growth in bulk deposits this year (This doesn’t read right. Last year…this year…). The credit (deposit) has gone up to about 16 to 17 per cent. We don’t see any pressure on liquidity. How were the net interest margins (NIMs) during the quarter? Your current and savings account ratio (CASA) dropped in the third quarter. This time how did it pan out? The CASA has improved as compared to last year and one good thing is that this year, we have opened around 17 lakh new accounts and we expect growth...
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