Three Strikes Law Essays - Criminal Law, Criminology, California Law

Three Strikes Law Essays - Criminal Law, Criminology, California Law Three Strikes Law CJC2000 Prof. Taylor, Patrica 02/19/2015 All round the world there has been an ongoing issue with crime. Many of the crimes committed are both violent and nonviolent actions towards innocent people or places. What can possibly be done by law makers and enforcers to stop this ongoing problem? To help minimize these offenses the states has develop a way to take a stand against it being done, the Three Strikes Law. It basically states that if you are a convicted felon, on your third offense, misdemeanor/felony, youre out. With the states passing the three strikes law, it allows repeating offenders to remain behind bars for the rest of their lives. But is it fair to all offenders that continuously commit a crime to remain behind bars or should the ones that commit petty crimes be punished because of this law? In my opinion, if a person consist of committing a crime he or she shall be held responsible after the second time. Committing a crime in the first beginning can be more than enough times. Depending on the type of the crime such as murder or molestation, the person should be behind bars and stay there for the rest of their lives after the first offense. Think about it for a minute, if all the habitual offenders are force to remain behind bars, our crime rates should drop opposed to if they are still on the streets committing the crimes. I think the three strikes law is a good effect on crime because it will make offenders think twice about committing a crime. Besides, lets be realistic, a person knows if they will constantly commit the same crime or another one for that matter.

Free sample - The Economic Report. translation missing

The Economic Report. The Economic ReportNational bank of Kenya limited is a financial institution engaged in the provision of services such as banking, financial and others related to these. The bank owns two subsidiaries namely: Natbank Trustee and Investment Services Limited and the Kenya National Capital Corporation Limited (Kariuki 2010). This bank has encountered several problems over the last few years and the country’s central bank which monitors the operations of all financial institutions in the country has predicted that unless the bank changes tact, it will be bedeviled by the same problems over the next couple of years. These problems include demand and supply problems, economic problems, non performing loans portfolio as well as technology problems (Kariuki 2010). According to reports from the central bank, the bank’s nonperforming loans accounted for about 43.5% of the total loans in the month of June (Kariuki 2010). This was above the industry range which was estimated to be 15.8%. These nonperforming loans can be attributed to reckless lending policies. Statistics from the central bank also indicate that the bank has a huge revenue deficit of four billion Kenya shillings (Kariuki 2010). This deficit is to be settled through realized profits. Economists from the central bank however indicate that this may not be feasible as the bank is unlikely to issue dividends, a move that may see many share holders desert the bank hence a profit dive (Kariuki 2010). The bank’s total capital base as a percentage of total risk weighted assets has not reached the statutory threshold which is placed at 12%. Its estimated to be at 10%, a fact that makes payment of dividends further impossible. Due to the huge nonperforming loans, the bank decide d to go slow on lending, a move that saw many of its customers move to the less risky investments. These investments include but not limited to: Government securities such as treasury bonds and treasury bills (Kariuki 2010). Statistics from the central bank show that the bank’s loans to private households declined by 19.7% while lending to finance and insurance sectors reduced by 25.3% last year (Kariuki 2010). The central bank predicts a further reduction in these two for the next few years. The emergence of many micro-finance institutions such as K-Rep, Jamii Bora Trust, and Kenya Women Finance Trust, which have captured the low-end of the market has compounded the problems facing the bank further (World Bank [WB] 2010). This is because, these microfinance institutions offer lower lending interest rates on their loans hence attracting many unbanked citizens who may have been absorbed by the National Bank (Kariuki 2010). The location of these micro-finance institutions enable them to capture more customers. This is because they are spread throughout the country’s rural areas where majority of the unbanked citizens reside. The bank adopted a policy of high interest rates on its loans so as to cover their level of exposure, a move that greatly reduced the demand for the bank’s loans (WB 2010) The introduction of mobile banking by the country’s leading telecommunication company, Safaricom limited has also been a thorn in the bank’s flesh. Many people in Kenya who had not been captured by the banking world found it simpler to start accounts with the telecommunication company (Omwansa 2010). This is because of the convenience involved in carrying out transactions which involves simply the use of mobile phones. Mpesa is the name given to the mobile banking of the telecommunications company (Omwansa 2010). Mpesa customers are able to carry out transactions such as paying bills, money transfers, shopping in supermarkets using phones, and many more other transactions. The demand for accounts in this bank and others in the country is expected to reduce as more people jump into the mobile banking band wagon (Omwansa 2010). The problem is expected to get worse as more telecommunication companies in the country have emulated Safaricom. For instance, the country’ s second largest telecommunication company by customer base, Zain Kenya has introduced a similar mobile banking program called Zap (Omwansa 2010). Many banks in the country have introduced a technology that enables bank customers to manipulate their bank accounts using mobile devices. Failure by this bank to follow suit has made it fail to attract potential customers (Omwansa 2010). This technology allows customers to transfer money from their banks to their mobile phones which they can then withdraw through the telecommunication companies’ money outlets such as Mpesa and Zap (Omwansa 2010). This saves them the inconvenience of travelling to the banks to transact. The country’s third largest telecommunication company by customer base, Yu has also entered the mobile banking band wagon through its Yu cash. This has captured even more customers whose destiny would otherwise have been in the banking world (Omwansa 2010). The country has witnessed an explosion of pyramid schemes which have lured many citizens into depositing money with them. These schemes have convinced many people to withdraw money from their bank accounts which has led to a poor performance by the banks (Jack 2010). This is because, money which the banks could have issued as loans is now disappearing into the pyramid schemes. These schemes operate on a simple principle; people who bank with them first benefit from funds brought in by subsequent customers when their pay time comes (Jack 2010). If the number of people qualifying for payment exceeds the amount of money brought in by new customers, the owners of the schemes disappear with all the investments. If the country’s central bank doesn’t control the operations of these pyramid schemes, then banks are expected to suffer more in the next few years (Jack 2010). The economy of the country performed poorly in the last financial year as a result of a post election violence. This has also greatly affected the bank since the government is its largest shareholder . Poor economic performance also translates to lack of funds to put into bank accounts by the bank’s customers hence the bank is affected adversely (Jack 2010). If the performance of the economy is not turned around in the next few years, then the bank is expected to perform more poorly. The diagram below shows the likely demand and supply situation in the bank over the next three years. This is still the current situation. Reduction in supply has been witnessed since the bank has been forced to close down some of its branches due to the poor performance. The bank is expected to close more of its branches in future if the problems are not solved. Closing down of accounts coupled with the problems discussed earlier has led to a decrease in demand for the bank’s financial services. To turn around this poor performance, the bank should consider a number of solutions. Firstly, the bank should consider expanding to the rural part of the country in order to capture unbanked people from the low-end of the market (Jack 2010). The bank should also consider a reduction in its loans interest rates in order to increase the demand of the same (Jack 2010). The bank should also consider introducing a technology that would allow customers to manipulate their bank accounts using mobile devices. However, for the bank to keep a competitive edge over the others in the same line of production, they should do this differently. Instead of cooperating with the existing mobile networks, the bank can consider coming up with its own platform. This is because, the telecommunications firms are also themselves involved in mobile banking, so collaborating with them amounts to collaborating with a competitor. This can only be to the advantage of the competitor (Jack 2010). The bank should a lso reduce the requirements for opening an account with them. These requirements include minimum deposit, passports, ATM processing fee etc. while passports are quite important, the bank can consider purchasing cameras for taking the passports without charging the customer (Jack 2010). The bank should also consider increasing the number of marketers so as to capture as many potential customers as possible. Opening many ATM machines throughout the country would also go a long way in helping the bank turn around its poor performance. Lastly, the bank should pressurize the central bank to come up with policies which discourage the mushrooming of pyramid schemes (Jack 2010). This paper has discussed the problems afflicting the National Bank of Kenya. These problems have included: nonperforming loans, huge revenue deficit, competition from micro-finance institutions which offer loans with lower interest rates, low customer base due to failure to capture rural areas, competition from telecommunications companies which have invested in mobile banking, failure to take advantage of modern technology involving mobile banking and finally competition from rogue pyramid schemes. Solutions which can turn around this poor performance have also been discussed. These have included: expanding to the rural part of the country in order to capture unbanked people from the low-end of the market, introducing a technology that would allow customers to manipulate their bank accounts using mobile devices, reducing the requirements for opening an account with them, introducing more ATM machines and finally pressurizing the central bank to come up with policies which discourage the mushrooming of pyramid schemes.

Mid Term Exam Assignment Example | Topics and Well Written Essays - 1250 words

Mid Term Exam - Assignment Example This depends upon where and how the company markets its products or services. In addition, when it comes to marketing or promoting a service or product, one sixe does not fit it all. There are various elements of the marketing strategy that may need to change depending on whether the company is marketing globally or domestically. In order for the Apollo Company to gain enter and gain control of new markets, the marketing managers needs to conduct a situation analysis. A situation means the state of things that occur at the same time. Situation analysis interprets the environment that an organization operates. The situation analysis gives the knowledge and context for planning. It shows the competitive position, financial and operating condition and the state of external and internal affairs. In situation analysis, SWOT analysis is the commonly used analysis. SWOT refers to the strengths, weaknesses, opportunities and threats to a company. In our study of the Asian pacific and North America markets, the positioning statement should be believable, important and unique. After the positioning statement has been developed, supporting claims have to be implemented. The statements are used in satisfying a similar criterion to the positioning statement. Then support points usually reinforce the uniqueness, believability and the importance of the positioning statement. The support points usually give a structure for demonstrations of the products. The positioning statement articulates the abstract benefit while the supporting points usually are readily available for demonstration. International marketing means to provide one’s services or goods worldwide. It is a tradition for most companies to start marketing their products or services domestically and expand to international market to capture wider market share and increase avenues for sales of their services or

The Possibilities of Progress in International Politics Research Paper

The Possibilities of Progress in International Politics - Research Paper Example â€Å"The Possibilities of Progress in International Politics† Therefore, data will be collected from secondary sources. The qualitative research methodology will correspondingly include three approaches of research. These would incorporate the grounded theory, historical research and critical social research approaches. In this regard, grounded theory research approach suggests of a research based on grounded data from secondary sources as well as primary sources. Based on the collected data obtained from the sources, the research approach will lead to the generation of relevant theory to suffice the determined goal of the study. This approach is highly important in the current context, as it would lead to the establishment of relevant theories related to international political conflicts and resolutions (Leavy, 2014). Another research approach will be used in the study is the historical research approach, wherein the researchers use historical data for conducting the research. These historical data will both be primary and secondary. Primary data will be collected from archaeological evidences and others, while the secondary sources will be collected from several scholarly articles and books (Leavy, 2014). The third approach used in the research study will be the critical social research approach. Through this approach, data collected from social and cultural evidences will be critically analyzed. Applying this approach, the concepts of humanities and social sciences will also be simultaneously used.

Junk Food Essay Example for Free

Junk Food Essay Junk food is considered an unhealthy food which only contains a small amount of nutrients, or provides much more energy than body needs. Examples of junk food include frozen desserts, hamburgers, pizzas, carbonated beverages, fried chickens. Nowadays, a great many individuals buy junk food frequently. At the same time, people are overweight from day to day. This essay will analyse why junk food is particularly popular. To some extent, junk food has negative effect on health and eating less junk food might be better. Firstly, junk food is harmful to people’s health. It is not only non-nutritious but also including a large sum of oils, sugars, fats, salts, calories and antiseptics. Some serious problem will be generated with eating numerous junk foods for a long time, such as obesity, diabetes, hyperlipidemia, hypertension and heart disease. My experience is a convincing example. When I was a freshman in the university, my course schedule was extremely busy. I ate Junk Food for lunch everyday. Fresh food was replaced by junk food and my weight rose sharply. At the beginning, I did not realize that it really made me overweight until the semester finished. I found junk food can increase people’s excess weight. It can be seen that junk food has many disadvantages as previous study. However, why do people buy it frequently? On the one hand, an increasing number of fast paced life makes people have to choose the junk food as their daily diet. It is obvious that eating junk food is a time-saving and money-saving way to resolve their problem perfectly, when they working and studying very busily, which makes people ignore the fact that junk food is frequently harmful. The awareness of individuals need to be improved on behalf of people’s health. On the other hand, why do individuals buy junk Food is the result of excellent marketing strategy. Firstly, people are usually misleaded by overwhelming advertisings. For instance, the advertisement of vitamin water from the Coca-Cola always repeats that it just contains vitamin and nothing  about sugar. In fact, the main component of the vitamin water is the fructose which is the major cause of obesity and drinking a bottle of vitamin water is equal to drinking a can of coke almost. It is witness that the advertisings make up the misleading to consumers. In addition, some brand of junk food, like KFC, McDonald’s, push out a meal with toys for children. There is a straightforward purpose to attract children’s attentions. Thirdly, some junk food restaurants have a playpark which supplies several small slides and plentiful plastic balls for children. Parents prefer to choose a table near by the playpark to take care of their children in the McDonalds’ or KFC. Apart from above examples, there are a variety of marketing methods or skills, which influences individuals imperceptibly. Despite the fact that junk food is not only non-nutritious but also destructive, individuals often choose to eat it, due to a series of extraordinary marketing strategies which is hard to resist and fast paced life makes people just have limited choices. Therefore, trying to eat less junk food as far as possible is beneficial to people’s health.

Solutions to the Church Music Controversy Essay -- Music

Solutions to the Church Music Controversy There are many different approaches churches are taking to solve the controversial issue of the use of instrumental accompaniment to singing and contemporary ways of worshiping in churches. Contemporary churches are encouraging the use, whereas traditional churches are preaching against the use and are educating the people of their churches with what God and the Bible say about music. Some churches that use instruments in their services are holding different services for different types of audiences, like one for the elderly that will use the more traditional songs and hymns, and then another for the youth, or divorced, or the single people, or the married. Then there are those who say that this should not be something churches should even be arguing about, and that there are worse things happening in the church that should be focused on eliminating. In the article, â€Å"Churches Use Hip-Hop to Draw Teens† of the Rockford Register Star, reporter Edith Webster writes from an interview with minister Ralph Hawthorne, director of Let’s Talk It Out; which was part of the ‘Summer Showcase 2003’ program in Rockford, Illinois, â€Å" ‘Summer Showcase 2003’ includes free food, giveaways, a puppet show and a variety of gospel music for the entire family, but the young people will most likely be all into the gospel rap. ‘There is a generation of people who are unreached,’ said minister Ralph Hawthorne,’ † and to justify his actions he claims, â€Å" ‘To get the gospel out and to be relevant, we need to not change the message but maybe change the method’ † (Webster). Assuming that this is how God wants His message to be taught, I think there exists a tremendous amount of wrong in this way of think... ...Works Cited Deville, Nancy. "Gospel Singing at Mass is Break from Tradition." The Tennessee [Nashville, TN] 24 Jul. 2003: M1. InfoTrac Custom Newspapers. TexShare. Mary and Jeff Bell Library, Texas A&M University-Corpus Christi. 29 Oct. 2003. Furr, Joe E. "Working Around Tradition."17 Nov. 2003. Christian Homesite. 29 Oct. 2003 . Smith, James B. Rich Mullins His Life and Legacy: an Arrow Pointing to Heaven. Nashville: Broadman & Holman, 2000. Webster, Edith C. "Churches Use Hip-Hop to Draw Teens." Rockford Register Star 2 Aug. 2003: 6C. InfoTrac Custom Newspapers. TexShare. Mary and Jeff Bell Library, Texas A&M University-Corpus Christi. 29 Oct.2003. Zondervan Study Bible: New International Version. Grand Rapids, MI: Zondervan, 1985, 1999, 2002.

College Athletes Essay

For the longest time the NCAA was never a multi-billion dollar industry; many years they did not make half of that. Many big colleges had budgets that would make teams such as Alabama, Georgia, Miami, Oregon, Etc. laugh about what they were able to provide for sports. There have been questions for years about whether a college athlete should be paid or not and if athletes deserve to be paid for what they do at that level, after already being paid to go to school there, for most of the players. When athletes go to college they still put themselves in the same physical danger as a professional athlete does. The NCAA alone is a multi-billion dollar industry that generated over 845 billion dollars last year in 2011. Facts have shown that college athletes in the NCAA, on an annual salary, make zero dollars; however, it is a blessing that they are going to school for free. This business is that they get all the work done and the business they want to come in and basically the NCAA athletes work for free. Having a scholarship and having their education paid for is something great but the money they get for school is not the only money they need for the bumpy road to their profession. The billions of dollars that is received annually is nowhere close to being equitable to just a bachelor’s degree. What the student athletes are earning is a big slice of heaven to some students and their families of course, but it showed accumulate to something higher than that degree of college education. â€Å"The NCAA has been historically stubborn over changing its ways to adapt to the times. But lately, even NCAA President Mark Emmert has conceded that it may be time for college players in big money sports to start getting a cash stipend amounting to as much as a few thousand dollars per year. † (Blake Baxter, Eureka College) At least the president of the NCAA has been admiring the idea of giving money to the players and helping them through their college years. Being an athlete in college is having a job, and their job is to bust their butts at practice, come to play on game day, and repeat that cycle, with no pay. Many athletes with their schedules do not have time to make themselves meals, so they have to buy food or they drive to places where they could get it- which costs money in gas. Football and basketball at the Division One level have been the biggest suppliers of money because many of their revenues. These two sports have evolved to the level that coaches and universities are making staggering amounts of money off of the talent of their student-athletes. With the amount of money coaches and schools make, the athletes should be able to get paid for their hard work, all the pain that they put their bodies through, the countless hours of practice workouts, and classes. Surely they need to be paid for putting it all on the line. Argument #2 Many college athletes make decisions that will change their lives- such as Trent Richardson, who played for University Of Alabama. Richardson had to deal with the decision of having to raise two children while being a full time college athlete. When all this was going on, Richardson had no income what so ever, no time, and was dedicated to the football program at U of A. Richardson brought publicity to his school and to other athletes with children that they were trying to raise. While Richardson was at school playing, his two daughters would be at home with their mother watching their daddy play and kissing the screen when he would appear. â€Å"He’s a big strong guy, he’s hitting everybody in practice. And when he’s around his kids, he’s a completely different person,† running back Eddie Lacy said. â€Å"He’s real sweet. He’s a good father. † With all the strength he shows on the field and the sweetness he shares with his daughter, and the hard work he and others put out, they still earn zero dollars each year. It shows and tells all the time- he puts in time and effort to make it in life and take care of his girls â€Å"It’s a level of maturity you don’t normally find among guys his age,† running backs coach Burton Burns said. â€Å"They are a priority for him. He has a tough schedule with school and football, but he is going to find time to spend with those girls. † That level of maturity should never be second guessed and overlooked to give certain players money to get through school and help raise their family like in Richardson’s situation. He is basically working a full time job, going to school, and playing football for Coach Saben. He needs to get what he earns, which would be a little salary. A father and athlete that could say this â€Å"I don’t want them to struggle like I did, to go through the stuff I had to go through,† Richardson said. â€Å"That’s really motivated me on the field. â€Å"Because when I play with my girls on my mind, I feel like nobody can stop me. † Richardson is not the only struggling college athlete. There are a lot of other teams in college that have athletes that participate in the games and practices but do not get any profit from their hard work and dedication. Argument #3 Eric LeGrand, the former Rutgers University football player who was paralyzed from the neck down during a 2010 game, GIving the same effort that each professional athlete makes each game day. Players putting their bodies in this physical danger, and only getting a certain degree when graduating after four years of college. LeGrand the Big Defensive Lineman was on kick off team running down the field trying to make a tackle, and when hitting a player he fell to the ground and was motionless; it was devastating. â€Å"The way Eric lives his life epitomizes what we are looking for in Buccaneer Men,† Schiano said. If the NCAA would recognize the effort and the danger these athletes are put in, they would be generous and give college athletes a little salary. Players like LeGrand are why i stand behind the decision to pay the players a little profit of what they help make. Without all of these amazing athletes i dont beleive the schools would encounter most of the money they make as a university or college. NOt just football, other sports bring in huge amounts of money from ticket sales, team apparel sales, etc. College Athletes are the epitome of where all the money comes from and deserve more then a bachelor degree, and deserve a little allowance for all their hardwork, bringing in a lot of the income. Works cited http://usatoday30. usatoday. com/sports/college/football/acc/story/2012-01-08/tough-guy-richardson-softens-up-as-a-dad/52458854/1 http://www. cbssports. com/collegefootball/story/21575106/if-college-athletes-really-owe-schools-money-then-they-must-be-paid