Tuesday, May 19, 2020

The Center For Human Rights And Constitutional Law

Can the Center for Human Rights and Constitutional Law Help Lead a Path for Immigrants to Become Active Citizens? Immigrants have faced many challenges when trying to become citizens of the United States. These challenges began when the Immigration Act of 1882 was passed, which gave authority to officials to deny access to the United States to anyone who was a criminal or who was uneducated (Immigration Act). This made it very hard for people coming to America to become citizens of the United States and even harder for them to become â€Å"active citizens.† Active citizens are defined as people who participate in their government fully and are not limited to what they can do legally in their community. Many people in the United States believe that all of immigrants’ rights should be secure by law. The Center for Human Rights and Constitutional Law is a foundation that became unified in 1980, primarily focusing on the safety and security of immigrants, by providing certa in legal services. This non-for-profit organization provides education, support and training to vulnerable families. These services are directed toward impoverished immigrant families and immigrant families that need assistance in certain aspects of immigration law (Human Rights). By providing these services, immigrants get one step closer to playing an active role in their community. Immigrants all around the world chose to come to America to live in a free world. Often times, the countries that immigrantsShow MoreRelatedThe United States Of America1536 Words   |  7 Pagescitizens. Since declaring its Independence from Great Britain rule in 1776, the United States of America has undergone a continuous effort to maintain law and order. In order to create a strong federal government with a system of check and balances the Constitution was proposed and ratified. The Constitution of the United States became the Supreme law of the land. (The Constitution) We the People of the Unit ed States, in Order to form a more perfect Union, establish Justice, ensure domestic TranquilityRead MoreRole and Function of Law907 Words   |  4 PagesRole and Function of Law Paper Andrew Urey LAW/421 July 10, 2013 Winifred Cannon Role and Function of Law Paper In society as well as a business, law plays a significant role in their daily operation. For a society to be efficient and effective, laws have to be put into place to regulate social behavior. This paper intent is to define the functions and role of law in business and society. Finally, an example of how law is observed in the United States Navy will be elaborated upon. Read MoreShould Abortion Be Legal?867 Words   |  4 PagesABORTION Abortion is a deliberate termination of a human pregnancy, most often performed the first 20 weeks of pregnancy. There are series of legal, moral and ethical issues which may arise about abortion. Most arguments about abortion are often focused on political insinuations and the legal aspect of such actions. Some frequently asked questions’ regarding the issue is if the practice should be outlawed and regarded as murder or should women have the right to practice it. For example, prior to becomingRead MoreAbortion Is A Legal Right For All Women892 Words   |  4 PagesFrom the creation of the Bill of Rights, the United States of America has ensured life, liberty, and happiness to each and every citizen who resides within its broad borders. Over the course of 200 years, America has undergone several â€Å"revisions† of the law and the Constitution. Over the past several decades, debates regarding Constitutional rights have raged all over America, from state courts, all th e way to the supreme court. Recently, the constitutionality of abortion has been a major topic,Read MoreThe Constitutionality of Physician Assisted Suicide Essay example1304 Words   |  6 Pagesmeans to end their own life at their explicit request), or directly ends a patient’s life (as in a lethal medication administered by a doctor at the explicit request of the patient – euthanasia). In recent years the debate over a patient’s possible right to the aid of a physician in committing suicide has become one of the most discussed issues in medical ethics. The argument for and against PAS is not something unique to this century. It has been going on since the time of the ancient Greeks. TheRead MoreEthics of Euthanasia Essay1475 Words   |  6 Pagesbased on the question of whether, in certain situations, Medical practioners should be allowed to help patients actively determine the time and circumstances of their death† (Lee). â€Å"Arguments for and aga inst assisted suicide (sometimes called the â€Å"right to die† debate) are complicated by the fact that they come from very many different points of view: medical issues, ethical issues, legal issues, religious issues, and social issues all play a part in shaping people’s opinions on the subject† (Lee)Read MoreAbortion : Pro Choice And Pro Life Essay1224 Words   |  5 PagesAbortion Issue in the United States (Section 1) Abortion is one of the most controversial issues in America that is centered between advocates that are pro-choice and pro-life. Intentional miscarriages occur when a women induces the termination of a human during pregnancy, the procedure happens during the first 28 weeks of pregnancy. Pro-life and pro-choice advocates differ in many of their opinions, over the years the government has been trying to deal with the problem/issue, and now there are possibleRead MoreThe Counter Terrorism Law1179 Words   |  5 PagesCounter terrorism Law No one can deny that the word terrorism is hated to be heard. Terrorism is commonly known as any action referring to violence against innocent citizens or causing damages to a public or private property for political purposes. According to Maria Keet, (Senior Lecturer with the Department of Computer Science, University of Cape Town) Terrorism is resulted due to plenty of causes that made such a phenomenon be a public concern. Separatism is probably the main reason of arisingRead MoreEssay on Should Homelessness Be Criminalized?1007 Words   |  5 Pageshomelessness. These so called quality of life ordinances are meant to protect the society at large. Homeless people who violate these laws can end up with a citation or even incarcerated. Homelessness should not be criminalized, and I don’t think that panhandling, camping, or loitering in public places is a crime; furthermore, some of these laws violate constitutional rights. I’m vehemently against anti-panhandling ordinances. People who beg for money do so because they have a need to be met. TheseRead MoreThe Debate On Constitutional Interpretation1730 Words   |  7 PagesThe debate on Constitutional interpretation is far from a new one. For years, the argument over how the Constitution should be read has varied, from the strict textualist approach to the most lenient, the instrumentalist position. The Constitution has long been referred to in terms of being a living or dead document, and its interpretation has significant ramifications on this country’s legal climate. This paper will analyze and compare two different forms of Constitutional interpretation: originalism

Wednesday, May 6, 2020

The Value Of Loan Payment Essay - 928 Words

Annuity Due – an annuity due in which all the cash flow occurs at the beginning of each period ( Titman et al, 2014,p. 167). Annuity dues are payment such as apartment rent payment at the beginning of the period. The outstanding of the loan - information is helpful beyond the professional front. The outstanding interest rate can be calculated by using the same formula as a present value with a slight variation. The present outstanding value of the loan = PMT [1- 1/ (1+ annual rate of interest/m) ^number of years *m / annual rate of interest/m]. Here, m is a number of times compounding occurred in the year. Note – The book â€Å"Financial management† suggests the balance amount of loan one owes must be equal to the present value of the remaining loan payment (Titman et all, 2014). The information regarding the calculation of loan and outstanding loan gave us a fair idea about how the loan financing occur. Another important aspect learned is how the principle and i nterest affect the amount of any loan. This knowledge also brought other factors into consideration such as refinancing mortgage loan cost. The refinancing cost involves distinct hidden costs such as appraisal fee, legal fee, origination fee, and application. Hence, if one plan to refinance the loan by getting attracted to lower interest rate. The refinance must put some extra money aside to pay the refinancing cost. Future Value of Annuity payment due – PMT [(1+ i) ^n -1 / i] (1+ i). Discounting annuity due -Show MoreRelatedVisual Basic for Applications and Function Essay1169 Words   |  5 PagesPMT function returns the payment amount for a loan based on an interest rate and a constant payment schedule. †¢ The syntax for the PMT function is: †¢ PMT( interest_rate, number_payments, PV, [FV], [Type] ) †¢ †¢ †¢ †¢ interest_rate is the interest rate for the loan. number_payments is the number of payments for the loan. PV is the present value or principal of the loan. FV is optional. It is the future value or the loan amount outstanding after all payments have been made. If this Read MoreHome Insurance Case : The Premium For PMI Insurance727 Words   |  3 PagesThe cost The premium for PMI insurance varies according to the size of the loan, and the down payment made, but is typical around one percent of the loan amount. The cost is not based on the lender’s credit score but is based on the size of the mortgage and the amount of the down payment. When it is necessary If a home buyer cannot afford to make a large down payment, typically at least twenty percent, to purchase a home, purchasing PMI insurance allows the buyer to pay as little as five percentRead MoreEssay on Solving the Foreclosure Crisis 1305 Words   |  6 PagesThe frequency of foreclosure in our nation today is dangerously high. The strain from the recent economic downturn has put many families and individuals in a financial chokehold preventing them from being able to make their monthly mortgage payments. Consequently, many of these people feel they’ve punched a one-way ticket to foreclosure. With all these homes being foreclosed on, we face a very real crisis. The best way to solve this foreclosure crisis is preventing homes from foreclosing one houseRead MoreWhat Is Private Mortgage Insurance ( PMI )?1096 Words   |  5 PagesIn the process of applying for a home loan, a borrower is typically required to make a down payment of at least twenty percent of the homes purchase price. When a borrower is unable to provide the required percentage, a PMI payment is required. What is Private Mortgage Insurance (PMI)? Also known as Primary Mortgage Insurance, PMI is the lenders insurance in the event that you default on your mortgage loan. It is a financial protection plan that seeks to protect the lender in the event thatRead MoreThe Management Of Chicago Bank1153 Words   |  5 Pages â€Æ' Contents Abstract 2 Introduction 3 Proposal 4 Loan 4 Amortization 5 Balloon Payment 5 Loan-to-Value 6 Abstract Consortium Bank - â€Å"A subsidiary bank created by numerous banks. A consortium bank is created to fund a specific project (such as providing affordable homeownership for low- and moderate-income home buyers) or to execute a specific deal (such as selling loans in the loan syndication market)†. (Investopedia, 2009) The Consortium generally strengthens the individual bank’sRead MoreSolution to the Foreclosure Crisis: Lending Laws1518 Words   |  7 Pagesbe taken to repair our nation’s foreclosure problem. We first need to reduce the risk of the loan to the lender, and then we need to increase the consumer’s buying power, and also work to make the foreclosure process more efficient. To come to any resolution at all we first need to discover how we got to where we currently are. Real estate values and how they are set must be well understood. The value of a home is determined by how much an individual is willing to pay for it at a given time. SinceRead MoreThis Model Predicts That White Pre-Retirees Have A Significantly1137 Words   |  5 Pagesfinancial assets is positive, yet lessens as the value of income increases. For example, a one percent increase in income is predicted to increase financial assets by $2,770, with this amount diminishing as income continued to increase. In this study, pre-retirees were not expected to accumulate financial assets while repaying 401(k) loans, as some plans may limit participation while a loan is outstanding. Therefore, pre-retirees with qualified plan loans were not expected to take full advantage of employerRead MoreMortgage Options Analysis1161 Words   |  5 PagesAfter shopping around for a mortgage loan, you found that the following two deals from the Mortgage One Company are very attractive: Option 1: A 15-year fixed rate mortgage with no point and an APR of 5%, compounded monthly. Option 2: A 15-year fixed rate mortgage with two points and an APR of 4.5%, compounded monthly. The closing costs (not including the points) for the two loans are identical. According to the law, the interests on your mortgage payments are tax deductible. In fact, at theRead MoreGeneral Maths Financial Maths1145 Words   |  5 PagesFinancial Mathematics Credit and Loans: Simple Interest and Flat Rate Loans: A flat rate loan is one where flat or simple interest is charged on an amount borrowed or principal for the term of the loan. Interest is always charged on the full amount of the loan. I = Prn P = principal r = rate per period expressed as a decimal n = number of periods E.g. Phil borrowed $4000 for three years at 8%p.a. (per annum) (flat rate) a) What is his interest? b) What is the total repaid? c)Read MorePros And Answers : Choosing The Best Loan?917 Words   |  4 PagesChoosing the best loan Fixed rate / variable rate | Amortization / interest only | Mortgage Term Options | Down payment options When you start looking for a loan program, it is important to consider the following issues: †¢ The stability of your payment. †¢ Your ability to qualify for the loan amount. †¢ How long do you plan to live in the house? †¢ If your income is stable or increasing. †¢ The possibility of significant changes in interest rates. †¢ The amount of the initial expenses. †¢ If you can comfortably

The Existence of Happiness free essay sample

The Existence of Happiness Happiness, the intangible emotion that we all desire. Is there proof that this emotion even exists? Eduardo Porter has written an essay titled â€Å"What Happiness Is†. In this essay Mr. Porter took the time to study the emotion of happiness that we all experience in life. He makes an attempt to question not only his reasons as to why he is happy, but to have the reader question their own sense of happiness as well. What is it that makes us feel joyful emotions, and how can vastly different experiences cause us to feel the same emotion that we call happiness? While searching for the proof of this feeling Eduardo Porter reflects upon his own personal experiences, professional studies and ultimately decides that his questions may never be answered. Porter states that, â€Å"most psychologists and economists who study happiness agree that what they prefer to call â€Å"subjective well-being† comprises three parts: satisfaction, meant to capture how people judge their lives measured up against their aspirations; positive feelings like joy; and the absence of negative feelings like anger. † This is an important analysis of how we form the idea of how joyful we actually are. Something in life that one person might be ashamed of could improve the level of cheerfulness for another person. For example, the thought of getting a tattoo might cause one individual to feel guilt while another individual might feel pleasure at the same thought. Because there is no definitive formula that provides a calculated experience of happiness for everyone, it is interesting to question what actions or lack thereof in our lives cause us to be cheerful or to lose some of the happiness that we have already gained. The organization of this essay was well thought out and effective. The author opens with the statement, â€Å"Happiness is a slippery concept, a bundle of meaning with no precise, stable definition. † This opening statement provokes the reader to question their own beliefs in what brings them joy and provides further interest in the topic due to the lack of confidence Porter portrays in finding answers. He then proceeds to share a few studies about happiness and his own idea of what makes him feel these emotions. He incorporates theories from well-known and educated thinkers about what makes humans happy. Sigmund Freud argued that humans, â€Å"strive after happiness; they want to become happy and to remain so. † Gandhi proposed that, â€Å"happiness is when what you think, what you say, and what you do are in harmony. † These analyses provide the reader with a starting point for questioning and answering those questions based on a professional thought process and breakdown of happiness. With these theories in mind the reader can look at their own life to help decide what actually makes them happy. Based on his professional study of this subject Porter also interjects his own reasoning for experiencing glee in life. Eduardo states that â€Å"Happiness relates directly to objective measures of people’s quality of life. † Porter believed that the more joy someone experienced in their life the better their life would be. Porter simplifies his writing so that the reader is able to assess their level of happiness from a loosely defined point of view, so that the average person has a means of tackling a difficult question. This is an important concept. The way Porter addresses happiness allows the reader to feel like they have the ability to ask the same questions about their own life and in doing so gain their own perspective into what it means for them to be happy. Throughout this essay Porter’s tone is of a pondering mindset regarding happiness, backed by personal experiences as well as professional study. This demonstrates that his interest level in what makes people feel positive emotion was strong enough to spend time to search for these answers. This had a positive influence on his readers; a large majority of individuals can relate to this topic and explore it for themselves. Most people strive for more happiness in their life, but fail to question what is actually making them or not making them happy in the first place. The essay makes you question if you have attempted to search for these answers in your own life. And if you are not happy – then why have you not questioned and searched for these answers? If you have asked these questions, why are you still feeling the same emotions that you wish to change, what changes have you not made? Porter also uses multiple economic reasons as a means of translating how much or how little happiness individuals can achieve. Along with many economists, Porter believes that in our modern time our search for more happiness co-exists with our desire and search for more money. We believe achieving a greater status in society, and receiving more money along with that level of status will make us truly happy. Our attempt in reaching these goals can have a negative effect, because the majority of people do not actually know what it is they want from life when this status is reached. Therefore, we as individuals may never achieve the level of joy we are searching for. After reading this essay you question what it is that you actually want out of life. If you do know, are you taking the right steps to achieve your goals? After reading Eduardo Porter’s take on why and what makes humans happy, many questions are left unanswered. Porter achieved his goal of interjecting multiple professional studies of what happiness is, as well as introducing his beliefs about this emotion as it relates to his life. This in turn makes his readers question their own emotional situations. What makes them happy? Most individuals would agree that the topic of this essay is, and has been, a pertinent question for as far back as we can remember. Porter knew that everyone at one point in time felt some form of happiness, and the actions that cause people to feel happy are completely different from one person to the next. Porter’s search for the definition and reason behind happiness are still unanswered questions, and most likely will remain this way, because it’s impossible to be universally define happiness. It’s also impossible to give just one reason as to why someone is happy or not. Joy is intangible; it is not measurable by a bank account or a status in society. Still we strive to feel it and achieve more of it, but we will never have a universal definition as to what this emotion actually is. We can only hope to increase its experience in our own lives.