Term Vs Whole Life Essays - Life Insurance, Whole Life Insurance

Term Vs Whole Life TERM VS WHOLE LIFE If you're like most people, there's nothing more important to you than your family. As difficult as it is for you to imagine not being there for them, it's a risk we all face. To help be sure your loved ones have the financial protection they'll need, it's important to not only think about the unexpected, but to plan for it. If you were gone, who would provide for your loved ones? Who would help... Provide cash for family income? Cover the cost of raising your children? Pay off your mortgage? Pay off your debts? Life insurance can help give your family the protection they need while providing you with peace of mind. It can help provide continuing income and help pay the bills--keeping your family's hopes and dreams alive even after your death. or to find out if you're approved for up to $150,000 of immediate 10-year term life insurance that could save you up to 30%.* Coverage starts today with no medical exam if you're approved.** Or, get more information on other life insurance coverage offered through U.S. Bancorp Insurance Services: in higher coverage amounts for maximum coverage at the lowest premiums that can be designed for long-term protection while providing flexibility in terms of premium payments and cash value accumulation. Applying for 10- and 20-year underwritten term and universal life insurance involves an interview and a medical exam (including blood and urine samples). Term Insurance Advantages Initially, premiums are lower than those for various forms of whole life insurance, thus allowing you to purchase higher amounts of insurance coverage. It is good for covering specific needs that will disappear in time, such as mortgages and other loans. Disadvantages Premiums will increase as you grow older and at the end of the term of the policy you purchase, such as 10 year term. In the 11th year the premiums will increase. Eventually, coverage may lapse due to the expense of the policy the older you do get.Generally, the policy does not have cash value. Permanent Insurance Advantages As long as the necessary premiums are paid, the life insurance policy is guaranteed to be there for your entire life. Your premium can be fixed or flexible to meet your own personal needs. The policy accumulates a cash value that you can borrow against. Loans would need to be paid back with interest or your beneficiaries will receive a reduced value of benefit if you pass away prematurely. If you ever needed to have your premiums paid for with you existing cash value, you can. If you surrender your policy, the cash value will be returned to you. Disadvantages The required premiums may make it to expensive to purchase the necessary amount of insurance you and your family needs. It may cost more than term insurance if you do not keep the policy long term. I think I would take the whole life insurance because it will adjust to your personal need as the term wont it is just a fixed rate but the whole life also has a fixed rate but it will fluxuate to fit your personal needs at the time that your in that would be why I pick whole life over term life. TERM VS WHOLE LIFE If you're like most people, there's nothing more important to you than your family. As difficult as it is for you to imagine not being there for them, it's a risk we all face. To help be sure your loved ones have the financial protection they'll need, it's important to not only think about the unexpected, but to plan for it. If you were gone, who would provide for your loved ones? Who would help... Provide cash for family income? Cover the cost of raising your children? Pay off your mortgage? Pay off your debts? Life insurance can help give your family the protection they need while providing you with peace of mind. It can help provide continuing income and help pay the bills--keeping your family's hopes and dreams alive even after your death. or to find out if you're approved for up to $150,000 of immediate 10-year term life insurance that could save you up to 30%.* Coverage starts today with no medical exam if you're approved.** Or, get more information on other life insurance coverage offered through U.S. Bancorp Insurance Services: in higher coverage amounts for maximum

The New South and the Civil Rights Movement essays

The New South and the Civil Rights Movement essays Montgomery, the capital of Alabama, became the center of what was a great moral victory for blacks in the South. It was an inevitable even in my thought because there is only so much abuse one can take from authority, especially when it was unfair. Out of this came many individuals who were not afraid to take a step past what was set, to do what they were told and forced not to do. The most notable man who would come out of this would be Dr. Martin Luther King Junior. In the midst of all the injustice of having to stand because a white person needed a seat came a woman who refused to give in to the rules. Rosa Parks on December 1, 1955, refused to give her seat up for a white man, which in turn led to her arrest. A man by the name of E.D. Nixon, president of the NAACP at the time, helped get Mrs. Parks out of jail and saw this as an opportunity to end the segregation of buses in Montgomery. This began a small, but effective chain reaction to begin the bus boycott. Phone calls were made, supporters were recruited, and a new direct way to turn the tide of bus segregation had begun. Mrs. Parks was noted as the "perfect symbol" (Sitkoff 39) because of her appearance. She was dignified, intelligent, respectable, and married (Sitkoff 39). Nixon took the first steps to boycott the buses by calling around and getting support from his contacts. To his surprise, many of the people who were very reluctant to the idea of acting against such an institution such as public transportation vowed their support. So on December 5th, 1955 the Montgomery Bus Boycott began and would now become a great conflict in what was called the Cradle of the Confederacy. Martin Luther King Jr. would step out of the shadows as a new southerner to Montgomery and become the greatest force in the protest. He told the blacks to act with nonviolence, but with love. To act with unity because the only way support works are with the combination of all people...

The Role and Tasks of Purchasing In Assuring Product Quality from Essay

The Role and Tasks of Purchasing In Assuring Product Quality from Suppliers - Essay Example This research will begin with the statement that purchasing is critical to the effective management of material logistics. Positioned at the interface between the customer and the supplier, responsibility often falls on this function for managing the relationship between the customers and suppliers in the supply chain. The role of purchasing is a gateway to suppliers so that other business functions can communicate with counterpart within the supplier organizations. According to Garvin, there are eight basic elements of product quality. They are performance, features, reliability, conformance, durability, serviceability, aesthetics and perceived quality. What is quality Quality is defined as "conformance to requirements". To maintain a high quality standard of goods, supplier quality is of paramount importance. Purchasing has different meaning in different industries. This article first introduces different perspectives of purchasing in different industries. Then, the role and task o f purchasing in the abovementioned areas will be analyzed respectively. Examples are given in each area in the article. Purchasing has four objectives. They are right quality, competitive price, economic quantity and on-time delivery. Right quality refers to conforming specification requirement. For competitive price, there are two aspects. One is internal competition, the other is external competition. The former can be achieved by reducing the production cost. The latter is due to highly competitive market, with reference to price comparison, historical price, shipping and payment terms etc. Third, economic quantity is crystal clear that buying quantity must lead to a lower cost of the purchase. Cost of holding inventories and cost of not holding inventories are essential consideration. Cost of holding inventories and cost of not holding inventories are essential consideration. Last, on-time delivery is vital to a company as there are cost and price consequence. Normally, urgent o rder placement is more expensive than the regular placement as late delivery for urgent one might hold up production and incur cost penalty. The aim of purchasing varies in different industries. In manufacturing firms, purchasing of raw materials and components is for supporting production. For original equipment manufacturer (OEM), high cost in purchasing raw materials means it should transfer the burden to its customers or cut the production cost. Besides, quality of components counts. Quality-in-quality-out is of paramount importance. If there is defect in one lot of components and it is not discovered by the staff responsible for quality control, it would be disastrous. Quality of components affects the quality of production, and hence affects customer satisfaction. In government or public organization, purchasing is used to support user's need. For example, stationery is essential for every department in government. Purchasing, in this sense, means buying at a satisfactory qual ity with the lowest price. This can be achieved by formal tendering. According to Government Procurement Agreement, Hong Kong government has to go for an open tender for a purchase order of approximately over $1.3 million. In service sector, purchases have to match corporate image and business strategies. For a five-star hotel, the quality of commodity purchased is indispensable for its image.  

Report and roadmap about an emerging technology Essay

Report and roadmap about an emerging technology - Essay Example chnology roadmap that sets out key milestones and activities occurring in the course of developing the technology, milestones in technical development required in the future, and key activities for supporting future technical as well as commercial development of the project. In addition, other relevant factors for its past or its future are considered. The milestone in developing the artificial uterus can be attributed to development of the artificial placenta. A significant progress in the pump technology and the oxygenator has allowed the development of the artificial uterus to focus in the direction of the physiological role model in the coming years. Again, this development has been enhanced by the invention of the novel pump-less assist device. The milestones required in the technical development in the future include submersion, inflammatogenicity and thrombogenicity, and cannulation. These requirements are discussed further in the paper. They are initiated in the presence of various aspects that are considered in the development of the artificial uterus such as artificial endometrium, artificial placenta, and synthetic amniotic fluid. For the artificial endometrium, the interior lining of the uterus has to have the same features as the natural one. Regarding the artificial placenta, it has to in a position of developing on the endometrial wall or as an external device and its capacity has to allow nutrients, gaseous exchange and eliminate waste products. The synthetic amniotic fluid on the other hand would be considered an important component in the success of the project. Regarding its future market, the development of the artificial uterus is a safer way for women. Ladies will able to have children without the cost of labor pains or cesarean surgery scars. Moreover, it gives women, who have childbearing difficulties, the opportunity to have children. Women will have the liberty that would not have come with having a normal pregnancy, as keeping up with

Macroeconomics.....Case Study NEED respond to at least 2 other Essay

Macroeconomics.....Case Study NEED respond to at least 2 other students - Essay Example It would be incomplete to analyze and predict a nation’s history without accepting political underpinnings in events. While it is true that the government is really accountable on how it should spend public funds, balancing a national budget is a complicated task. In fact, ordinary citizens like you and I can’t even handle our own budgets. What I am saying is that things have already happened and the most that we can do as individuals is to reduce our spending and stop blaming the government for all the mess. After all, if we are not part of the solution, then we must be part of the problem. A.Having a President whose main agenda is war is not a good president. Had all the resources been devoted to social services then the country could have survived the crisis. There are just too many issue s that a President can prioritize inside one’s country . It I sjust unfortunate that the political propaganda to project war as a noble cause gripped most of Americans when the fearful thing is not war that happens thousands of miles away but fear of failing health insurance. B. I definitely agree with tax-cut measures too since leadership is situational and at certain times, circumstances call for tax-cuts. It is true that tax-cuts have consequences but it is a lesser evil. Too much strain on American people would not only cause financial hardship but can make them resentful against the government. Civil disobedience can be an ugly

Thucydides and international relations

Thucydides and international relations Thucydides is seen by some scholars as the first writer in the realist tradition as well as the founding father of International Relations.[1] There are contrasting interpretations of the History of the Peloponnesian War as Thucydides rarely gives his opinion about the events described and the characters actions. This essay will adopt the realist interpretation of Thucydides and argue that he is still relevant today due to the prevalence of fear, self interest and power politics in todays world. It will use competing interpretations of his work to show that, even though there are important differences between his world and todays world, his insights into human nature are relevant and are one of the best sources to learn from history.[2] Thucydides work is valuable as it investigates the causes and dynamics of war. He states: What made war inevitable was the growth of Athenian power and the fear which this caused in Sparta. [3] According to Lebow, power transition theories are based on the premise that hegemons are unwilling to relinquish their status to upcoming powers.[4] Power transition theories investigate how a shift in an actors power in the system affects other actors. Theorists stress the critical importance of changes in the relative power of states as these changes produce fear and result in the security dilemma. Thus the system becomes increasingly unstable and small events can precipitate a major conflict. [5] Sparta was afraid that a shift in the balance of power would be to the detriment of its national security and thus according to power transition theory it felt aggression was necessary to address the imbalance. A theme that dominates Thucydides narrative is how fear in conjunction with honour and i nterest result in a state taking action in the hope of safeguarding its national security and independence.[6] The Peloponnesian war was the product of two developments. The first was the uneven and unprecedented growth of Athens. The issuance of the Megarian Decree was another provocative action. Athens believed that the integrity of their empire was at stake due to their fear of a revolt of their colonies. Athenss use of economic sanctions aimed to dislodge Megara from its alliance with Sparta posing a direct threat to Spartan and Corinthian security.[7] The Corinthians warned their Spartan allies that unless they asserted themselves against the Athenians, they (the Corinthians) would form a new alliance thus harming Spartan security. Thus Sparta delivered the ultimatum calling for the revocation of the Megarian decree. Rejection of the ultimatum was the immediate cause of the war. Thus the security dilemma can be said to have drove the hegemons into a war that neither desired.[8] A modern example of this theory is the change in American perception of Soviet power after the first Soviet ICBM launch. The so called missile gap resulted in US insecurity as the Kennedy administration believed Khruschchev was behaving aggressively in Berlin because he felt the power balance was shifting in his favour. Concern to maintain US power led Kennedy to increase the US strategic buildup.[9] However Kauppi states that there are intervening variables preventing the shifting balance of power leading to war in the cold war world. He cites modern examples of the restraining effect of nuclear weapons, and the existence of neutrals as having a stabilizing influence by not entrapping the superpowers in a zero sum game. He also cites the role of ideology as convincing both superpowers that they could win without war. [10] Thus while power transition theory and the resultant fear explain the pressure imposed on states, other factors can prevent fear from resulting in war. Lebow con tests the basis of power transition theory by pointing out that Athens reached the zenith of its power 20 years before the outbreak of war, he adds that it is the perception of power that is vital to power transition theory and war. The effect of middle powers like Corinth is another factor to consider. [11] While there was no direct conflict between the superpowers in the cold war, the massive defence budgets and development of weapons of mass destruction shows that both superpowers were using fear to deter their enemy and acting on fear by arming themselves. Another central feature of Thucydides thought is that of self interest. According to Gilpin, Thucydides believed that human nature was unchanging and since human beings were driven by interest, pride and fear, they always seek to increase their wealth until others driven by like passions, try to stop them.[12] In the Melian dialogue the Athenians say: Our opinion of the gods and our knowledge of men lead us to conclude that it is a general and necessary law of nature to rule wherever one can. [13] The Athenians state that maintaining their empire is their only concern and they try to convince the Melians that it is in their interest to surrender. They ask the Melians to ignore the matter of justice and claim that it is not in Spartas interest to intervene on their behalf.[14] The Melian dialogue shows the primacy of self interest not only as a practical course of action but as a law of nature. A modern example of self interest is the statist concept the national interest- seen in th e Mytilenian debate. Even though Cleon and Diodotus have different thoughts of the way forward they both seek to deal with the situation to Athenss benefit. For Diodotus, considerations of justice are inapplicable to interstate relations. [15] A modern example of the national interest at work is the October, 2006 United States doctrine on space. The United States will preserve its rights, capabilities, and freedom of action in space and deny, if necessary, adversaries the use of space capabilities hostile to US national interests. [16] In todays world while the national interest is seen as a guiding principle it need not always be action by a sole state. States may cooperate to ensure the common good. In an increasingly globalised world states must consider and temper their exercise of national interest. The development of international law, particularly humanitarian law, shows that there are norms of non intervention and human rights that states are obliged to follow. Condemnation from the international community in case of their violation would not be in a states national interest. Thus while the national interest is a key component of state decision making, today, the experience of two world wars and the prevalence of liberal ideas mean that the national interest is still important but not the sole reason for state behaviour. Self interest and fear result in power politics. The Athenians say ones ability to engage in power politics depends on strength. The standard of justice, depends on the equality of power to compel and that, in fact, the strong do what they have the power to do and the weak accept what they have to accept.[17] Thus ones ability to enforce ones demands depends on relative power. The quote above from the Melian dialogue shows Athens warning Melos to submit as they are too weak to resist. Since there is anarchy in relations among states, the order that exists is created and sustained by the powerful that impose their power within their sphere of influence. States, like individuals, are motivated by fear and self interest and appeal to justice only when their interest is served. The natural right of the stronger to rule over the weaker is a rather simplistic explanation and justification of imperialism. [18] A modern example of this is the ultimatum given by the US warning countries that they were either with us or against us. This can be seen as a threat to compel unity in the war on terror. Thucydides adds that an actors power determines his treatment thus showing the essential nature of the balance of power in international relations. This is the safe rule to stand up to ones equals, to behave with deference towards ones superiors and to treat ones inferiors with moderation. [19] A quote from US Secretary of State Condoleezza Rice about nations that didnt support the war on Iraq illustrates this: Punish France, ignore Germany and forgive Russia.[20] For Thucydides it is a law of nature that the weak become subject to the strong and when the opportunity of aggrandisement is offered by superior strength considerations of right and wrong are sacrificed to self interest. [21] Welch adds that while Thucydides does not deny the notion of universal justice; he simply acknowledges that for better or worse it has no constraining force in a system composed of states unequ al in power.[22] However Bagby argues that not all states choose to maximise power. He cites the example of Sparta and how the Corinthians call them timid and weak in contrast to Athens. King Archidamus of Sparta confirms these national differences when he asks fellow Spartans to be not ashamed of the slowness and dilatoriness for which they censure us most.[23] According to Doyle, the political ideologies of both Athens and Sparta, and the different sectors of society they appealed to, were an important component of their conflict. He picks up on Thucydides emphasis on the national character of Athens, both in its restless culture and its democratic institutions, as well as the character of Sparta, with its slow and cautious character and the conservation of its oligarchic institutions.[24] Thus the goal to maximize power can be seen as a powerful motivator but domestic influences and domestic character are also important. In conclusion, Thucydides was among the first to set out three basic assumption of classical political realism: states are the key units of action, they seek power either as an end in itself or as a means to other ends and they behave in ways that are by and large rational. [25] While Thucydides has been interpreted in various ways, his ideas about human nature fear, self interest and power maximisation are enduring. They explain the pressures acting on states in todays world pushing them to make decisions. While there are many differences between today and his time, Thucydides effectively explains the psychological and social tendencies in strategy and is thus still relevant today. Bibliography International Relations in Political Thought: texts from the ancient Greeks to the First World War, Brown, C, Nardin, T and Rengger N, Cambridge, Cambridge University Press, 2002. The Use and Abuse of Thucydides, Bagby, L, International Organization, 48, 1, Winter. Political Theories of International Relations, Boucher, D, Oxford, Oxford University Press. Ways of War and Peace, Doyle, M, New York, Norton, 1997. Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991. Why International Relations theorists should stop reading Thucydides, Welch, D, Review of International Studies, 29, 3, 2003. www.commondreams.org/headlines03/0525-09.htm http://news.bbc.co.uk/2/hi/americas/6063926.stm Paul Viotti and Mark Kauppi as cited in Bagby, L, The Use and Abuse of Thucydides, International Organization, 48, 1, Winter, Page 131 Lebow, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 1 Brown, C, Nardin, T and Rengger N, International Relations in Political Thought: texts from the ancient Greeks to the First World War, Cambridge, Cambridge University Press, 2002, Page 36 Lebow, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 135 Welch, D, Why International Relations theorists should stop reading Thucydides, Review of International Studies, 29, 3, 2003, page 301 Kauppi, M, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 103-104 Gilpin, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 34-35 Lebow, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 127 Lebow, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 142 Gilpin, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 47-48 Lebow, R, Hegemonic Rivalry, R N Lebow, B Strauss (eds), Boulder, CO: Westview Press, 1991, Page 128 As cited by Welch, Welch, D, Why International Relations theorists should stop reading Thucydides, Review of International Studies, 29, 3, 2003, Page 304 Brown, C, Nardin, T and Rengger N, International Relations in Political Thought: texts from the ancient Greeks to the First World War, Cambridge, Cambridge University Press, 2002, Page 57 Ibid Welch, D, Why International Relations theorists should stop reading Thucydides, Review of International Studies, 29, 3, 2003, Page 76 http://news.bbc.co.uk/2/hi/americas/6063926.stm Brown, C, Nardin, T and Rengger N, International Relations in Political Thought: texts from the ancient Greeks to the First World War, Cambridge, Cambridge University Press, 2002, Page 52 Welch, D, Why International Relations theorists should stop reading Thucydides, Review of International Studies, 29, 3, 2003, Page 75 Brown, C, Nardin, T and Rengger N, International Relations in Political Thought: texts from the ancient Greeks to the First World War, Cambridge, Cambridge University Press, 2002, Page 58 www.commondreams.org/headlines03/0525-09.htm Welch, D, Why International Relations theorists should stop reading Thucydides, Review of International Studies, 29, 3, 2003, Page 75 Ibid Bagby, L, The Use and Abuse of Thucydides, International Organization, 48, 1, Winter, Page 138 Doyle, M, Ways of War and Peace, New York, Norton, 1997, Page 150-152 Keohane as cited in Bagby, L, The Use and Abuse of Thucydides, International Organization, 48, 1, Winter, Page 132

Sleep :: essays research papers

The article I chose is called â€Å"Reinventing yourself† and it talks about research on memory. According to the author â€Å"who you are is limited only by your imagination†. What does it mean? That’s what I will try to explain on the following couple pages. As I understood this article, it’s talking about how our imagination influences the memory. It starts with the examples from people’s lives. Bill Clinton told American people that he never served for Vietnam, and the reasons he gave appeared to be totally different from the reasons that came up after a research. Or, Gary Trudeau, cartoonist, that was telling people the same story for about 20 years about the way he avoided army, saying that he was a student and â€Å"his three-year student deferment had run out, which meant his call-up was imminent†. In fact, what appeared after a research, his dad was a doctor, and he didn’t serve in Vietnam because of his health condition. This is a good example of how our present life develops our imagination that adds to the memory and makes it different from a reality. But this is the way our imagination reflects and connects our past, present and future. And sometimes we start to think about what do we need a memory for. And the answer is â€Å"to learn from our experiences without having to repeat them endlessly†. That’s why very few moments in our life can repeat exactly. And when we share the personal histories, it helps to keep the relationships going, but, as a matter of fact, what really happened is not that dramatic and critical as the way we talk about it afterwards. Let’s imagine talking about memories from childhood, and suddenly somebody interrupts us and says that it couldn’t happened and you are wrong. What are you going to do? How are you going to prove it? And what the statistics show now is that many people instead of trying to find a proof such as pictures, tapes, videos will prefer just to imagine what could happen and how would it feel if this could happen now. Psychologist Helen Hembrook discovered this. In 1996 psychologists made a research by giving the example of the same events to the same people twice that could happen to them in their childhood, and it appeared that many of them gave different answers twice and, besides this, some of them just imagined that it could happened to them and this made them to really believe that it happened. Sleep :: essays research papers The article I chose is called â€Å"Reinventing yourself† and it talks about research on memory. According to the author â€Å"who you are is limited only by your imagination†. What does it mean? That’s what I will try to explain on the following couple pages. As I understood this article, it’s talking about how our imagination influences the memory. It starts with the examples from people’s lives. Bill Clinton told American people that he never served for Vietnam, and the reasons he gave appeared to be totally different from the reasons that came up after a research. Or, Gary Trudeau, cartoonist, that was telling people the same story for about 20 years about the way he avoided army, saying that he was a student and â€Å"his three-year student deferment had run out, which meant his call-up was imminent†. In fact, what appeared after a research, his dad was a doctor, and he didn’t serve in Vietnam because of his health condition. This is a good example of how our present life develops our imagination that adds to the memory and makes it different from a reality. But this is the way our imagination reflects and connects our past, present and future. And sometimes we start to think about what do we need a memory for. And the answer is â€Å"to learn from our experiences without having to repeat them endlessly†. That’s why very few moments in our life can repeat exactly. And when we share the personal histories, it helps to keep the relationships going, but, as a matter of fact, what really happened is not that dramatic and critical as the way we talk about it afterwards. Let’s imagine talking about memories from childhood, and suddenly somebody interrupts us and says that it couldn’t happened and you are wrong. What are you going to do? How are you going to prove it? And what the statistics show now is that many people instead of trying to find a proof such as pictures, tapes, videos will prefer just to imagine what could happen and how would it feel if this could happen now. Psychologist Helen Hembrook discovered this. In 1996 psychologists made a research by giving the example of the same events to the same people twice that could happen to them in their childhood, and it appeared that many of them gave different answers twice and, besides this, some of them just imagined that it could happened to them and this made them to really believe that it happened.

Any Kind Checks Cashed, Inc. v. Talcott Essay

According to the UCC, a holder in due course is a holder who takes an instrument for value in good faith and devoid of notice of assured claims, as well as defenses on the instrument. It is imperative in the case of ‘Any Kind Checks Cashed, Inc. v. Talcott’ to determine if the holder of the instrument acted in good faith, in fair dealing as is compulsory in order to be considered the holder in due course. According to the Commercial Law Article 3-103 (a) (4); good faith refers to sincerity or honesty in fact and the adherence to logical commercial standards of fair dealing (Twomey, D., & Jennings, M.). Apart from this, the court upholds the trial court finding that Any Kind did not act in good faith when cashing a check for $10,000. However, Any Kind had been in good faith in later on cashing one more check for $5,700. I agree that ‘Talcott’ was responsible for the $5,700 even despite the fact that he was illegally persuaded to issue a check (Legale .com). The procedures in place at Any Kind Checks Cashed, Inc.states that a supervisor that has the power as well as authority to approve checks over $2,000. However, the supervisor should have been more cautious due to the unusual amount of the check of $10,00.00. When the second check of $5,700.00 was presented the check cashing company had been in contact with Talcott getting his verbal approval for cashing a check. As a result, Any Kind Check Cashed Inc. satisfied the good faith prerequisites for a holder in due course. In reviewing if, the tellers actions where in accordance with good faith and acted reasonable within the commercial standards for accepting and processing the check. The fact is that the clerk did take action and question the intent of the check of $10,000.00 by calling the maker of the check Mr. Talcott, but was not able to reach him. As a result  of not reaching Mr. Talcott the, the supervisor relied on her judgment and experience to make her decision to cash the check. Using her judgment coupled with appeared to be evidence the FedEx envelope showing that the FedEx was sent from Mr. Talcott the supervisor was acting in good faith but not in accordance with a the reasonable commercial code. There should have been some level of suspicion that someone would pay a 500.00 fee to cash a check and not go to his or her bank and collect the full amount of the 10,000.00. To a reasonable person this type of behaviour may raise a red flag as to the desperation of the person (payee) to cash such a large check. The check cashing store should have verified with the issuing bank to ensure that there was enough monies in the account to cover the check and verify that the check is good (no stop payment was issued). When Mr. Guarino presented a second check to the check cashing store for $5,700.00, the store reached out and spoke with Mr. Talcott asking him to verify the check for $5,700.00, which he verified. The check cashing store never mentioned the first check of $10,000.00. Perhaps they presumed that since Mr, Talcott approved the second check that and never said anything about the first one being of issue it may have seemed as a nonissue. If Any Kind processed the $10,000 check with proper caution and procedures beyond making a phone call and not getting an answer from the maker of the check. Any Kind should have contacted the bank the check was drawn on to verify that there was no issue with the check and not rely on experience and a FedEx cover. In order to ensure that they and preserved their status of the holder in due course status. The courts determined that Any Kind was not the holder in due course due to the manner in which they did not ensure that the check was valid before cashing and processing it. I agree with the court’s decision in finding that Any Kind is not the HDC for the $10,000.00 since they were really negligent in the handling and processing of the check. I agree, with the court’s ruling in favour that Any Kind is the HDC for the $5,700.0. Since ‘Any Kind’handled the process in good faith and within accordance with reasonable commercial standards according to the UCC 3-419[3] (Legale .com). References Cornell Law: Uniform Commercial Code. Retrieved Dec 30, 2014. http://www.law.cornell.edu/ucc/3/3-419 â€Å"Federal Reserve Bank: Regulation and compliance guide.† Federalreserve.gov. Retrieved Dec. 28, 2014. http://www.federalreserve.gov/bankinforeg/reglisting.htm ANY KIND CHECKS CASHED, INC. v. TALCOTT | Leagle.com. (n.d.). Retrieved from http://www.leagle.com/decision/2002990830So2d160_1973.xml_br Twomey, D., & Jennings, M. (2014). Kinds of Instruments, Parties, and Negotiability. Business Law: Principles For Today’s Commercial Environment (4th edition ed., pp. 567- 568). Mason: Cengage learning.

Eating Disorders1 essays

Eating Disorders1 essays In recent history, the idea of feminine beauty has been shifting toward a less healthy, overly thin model. More than 25,000 years ago when humans first evolved, women exaggerated their reproductive organs, like breasts and hips, using fertility symbols. Slim women were not considered beautiful because they did not seem healthy enough to nourish and raise a family, or make it through the winter. Slim women were also considered to be poor, because they could not afford enough food to keep their body full and healthy. During the Renaissance era, beautiful paintings from world famous artists, including Michelangelo, featured full-figured women. Full figures continued to be popular throughout the Mannerism and Baroque periods, which continued up through the 1730's. In the mid-1700's, women's figures started to change. The women began to wear girdles, cinching up their waist to exaggerate their "curves". The girdles were painful but women wanted to get their waist as small as they could. In the 1900's, waists became even smaller. The Roaring 20's brought radical changes to women and their bodies. Young girls called "flappers" became popular. They wore their hair short and boyish, wore rolled down stockings and short, baggy dresses exposing their arms and legs. They were defined as "rebels", and embarrassed the older generation by the way they dressed and acted. They refused to be "lady-like", and they were wild. "Twiggy" was the most popular fashion model in the 1960's, named for her ultra-thin body. She exposed more and more of her stick-like body to the camera, and inspired other girls to become like her, because she was popular, different, and wild. The super-skinny image is still portrayed today, even though it is not healthy. In the early 1990's a magazine headline read, "You Can Never Be Too Thin". Some women literally believed this, and died of starvation and suffered from anorexia nervosa. Teenagers are directly targeted becau...

2Nd Amendment Essays - Crime, Violence, Free Essays, Term Papers

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Advanced Systems Design Project Essay Example | Topics and Well Written Essays - 2750 words

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Compare Champion of the World (Angelou) and Fish Cheeks (Tan) Essay

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