Us Postal Service – Insolvency

The United States Postal Service: At the Brink of Insolvency Business 510 †Managerial Economics Final Project Submission February 25, 2012 Executive Summary this report investigates the United States Postal Service money related issues, which carried it to the edge of bankruptcy, in the wake of losing more than $25B over the most recent 5 years. It investigates elements and execution and hypothesizes restorative activities to take USPS back to budgetary dissolvability. Both microeconomic and macroeconomic elements influencing the firm were investigated while distinguishing its qualities, shortcomings, openings and threats.USPS items and administrations show its qualities with its imposing business model of the mailing business and as an administration establishment with an open credit extension with the Federal Financing Bank of up to $15B. Shortcomings remember need or almost no decent variety for its items and administrations, prohibitive conveyance plans and ordered enormous conveyance focuses. Open doors for USPS incorporate expanding its item decent variety exploiting the web and other creating advances it can use to improve its working costs. USPS is additionally encountering outer and inner threats.One of these dangers is the more extensive acknowledgment of advanced innovation particularly with the web and email, cell phones and portable web, soaring working expenses and powerlessness to roll out opportune improvements and reactions to relieve proceeded with misfortunes without experiencing the Postal Regulatory Commission and Congress. Taking into account this, USPS is prescribed to adopt a multi-prong strategy to improve its incomes by expanding item evaluating with its transportation administrations while remaining serious, utilizing the hypothesis of value flexibility of interest to properly value its mailing administrations and enhancing its products.Reduce working expenses by decreasing quantities of representatives, improving its armada of v ehicles to more eco-friendly vehicles or utilizing exchange vitality and furthermore by diminishing oversaw offices and conveyance plans. Lastly USPS needs to demand Congress to give it position to impact value changes coming about because of strange changes in cost of fuel and different materials and assets utilized in satisfying its order of offering a basic postal assistance to the country. Diagram Establishment and General Business Description Article 1, Section 8, proviso 7 of the United States Constitution sets up the U.S. Postal Service. The current mail station association is working under the arrangements of the Postal Reorganization Act of July 1, 1971 assigning the US Postal Service (USPS) as a free foundation of the official part of the Government of the United States. The Postal Accountability and Enhancement Act, Public Law 109-435 made further updates and the overseeing rule is arranged in Title 39 of the United States Code. A similar open law made the Postal Regulato ry Commission (PRC) giving the PRC with administrative and oversight commitments in the administration and activity of the U.S. Postal Service (USPS Annual 10-K Report, 2011). The command of the USPS is to offer a â€Å"fundamental postal service† to the whole country at reasonable and sensible rates endorsed by Congress. This order is satisfied by offering diverse degree of mailing and transportation administrations all through the nation. As of September 30, 2011, absolute workers number to 557,251 profession representatives, down 4. 6% from the prior year of 583,908 and 88,700 non-vocation representatives (Annual Report to Congress, 2011).More than 85% of profession representatives are secured by aggregate haggling understandings through one of the accompanying four administration associations: American Postal Workers Union (APWU), National Association of Letter Carriers (NALC), National Postal Mail Handlers (NPMHU) and National Rural Letter Carriers (NRLCA). Items and Ser vices The United States Postal Service isolates their administrations into two general classifications: Market predominant mailing administrations and serious delivery administrations. Mailing administrations incorporate First Class Mail, Standard Mail, Periodicals and Package Services.Shipping Services incorporate however not constrained to Priority Mail, Express Mail, Bulk, Parcel Post and Bulk International Mail. Mailing administrations have set floor costs yet by and large doesn’t have any set maximum cost up to the permitted most extreme size and weight limits (normally 70 pounds for each bundle). Similar remains constant for transportation administrations. Every one of these administrations are offered through a system of in excess of 32,000 Post Offices, stations and branches, in addition to a great many agreement post units, Community Post Offices, Village Post Offices, retail foundations selling postage stamps and different administrations including the web, www. sps . com. Extra administrations offered are offer of Postal Money Orders, renting of Post Office boxes and offer of post cards or welcome cards. Global mail and bundle administrations are likewise accessible to in excess of 190 nations (Annual Report to Congress, 2011). The current First-Class Mail stamp costs $0. 45 expanded 2. 1% beginning in January 2012 that was reported in October 18, 2011. Postal Service Mail evaluating is set by the Board of Governors and affirmed by the PRC. Transportation administrations valuing is set by law taking care of both the institutional costs allotment and inferable costs.The institutional expenses assignment is controlled by the PRC and is as of now set at 5. 5%. In this manner the delivery cost is the entirety of 5. 5% institutional costs (tantamount to exchange costs) and inferable expense, speaking to the immediate expense of the mailing or transportation administrations based from the weight and size of the bundle (USPS Annual 10-K Report, 2011) . Current Financial Statement For the monetary year finishing September 30, 2011, the United States Postal Service revealed an overal deficit of $5. 067B from their activity, an improvement contrast with the past year’s loss of $8. 505B. This is notwithstanding a decrease of 4. % in the quantity of its vocation workers from 583,908 to 557,251 (USPS Annual 10K Report, 2011). Much the same as some other private organizations, the USPS was likewise enormously affected by the worldwide economy particularly the profound and delayed financial downturn of 2008. Furthermore, with progress in innovation, more extensive accessibility of web broadband administrations, lower cost of PCs, common utilization of web based banking and furthermore flood in offering of online finances moves, which offers accommodation and speed as well as essentially free, has legitimately contend and prevailed upon a portion of the mailing administrations of the USPS.Mail volume conveyances have diminished by 5% over the most recent two years, 2011 and 2010 and the prior year, in 2009, the lessening was an amazing 12. 8% (USPS Annual 10K Report, 2011). The extension of portable web combined with advanced mobile phones will just intensify USPS declining mail volume later on. At long last, one of the greatest working costs of USPS other than transportation expenses and plant gear and offices is worker wages and retiree benefits. USPS business costs makes up roughly 80% of its complete working expenses (Kosar, 2012).Employee wages and retiree benefits costs are altogether affected by wage swelling, medical advantage premium expands, retirement and workers’ pay projects, and average cost for basic items remittances. Over the most recent 5 years, the USPS endured an all out total deficit of more than $25 billion including $21 billion of costs for the pre-financing of the Postal Service Retiree Health Benefits Fund (PSRHBF) ordered by Public Law 109-435 (USPS Annual 10K Report, 2011). USPS current complete obligation as of September 2011 is at $13B which is just $2B from its legal restriction of $15B set by 39 U.S. C 2005(a) (Kosar, 2012). Budget reports answered to Congress for the financial year finishing September 30, 2011: Years finished Sept. 30, 2011Percent change from going before year (dollars in millions) 2011 2010 2009 2011 2010 2009 Operating income $ 65,711 67,052 $ 68,090 (2. 0%) (1. 5%) (9. 1%) Operating costs * $ 70,634 $ 75,426 $ 71,830 (6. 4%) 5. 0% (7. 6%) Loss from activities $ (4,923) $ (8,374) $ (3,740) Operating edge (7. 5%) (12. 5%) (5. 5%) Net deficit $ (5,067) $ (8,505) $ (3,794) Purchases of capital $ 1,190 $ 1,393 $ 1,839 (14. 6%) (24. 3%) (7. %) Property and gear Debt $ 13,000 $ 12,000 $ 10,200 Interest cost $ 172 $ 156 $ 80 Capital commitments of $ 3,132 $ 3,132 $ 3,087 U. S. Government Deficit since rearrangement $ (22,072) $ (17,005) $ (8,500) Total net inadequacy $ (18,940) $ (13,873) $ (5,413) Number of vocation representatives 55 7,251 583,908 623,128 (4. 6%) (6. 3%) (6. 0%) Mail volume (pieces in millions) 167,934 170,860 176,744 (1. 7%) (3. 3%) (12. 8%) New conveyance focuses served 636,530 739,580 923,595 *P. L. 112-33 had a net effect of a $5. 5 billion decrease of costs in 2011.P. L. 111-68 had a net effect of a $4. 0 billion decrease of cost in 2009. Graphical portrayal of USPS working incomes and costs from FY 2004 †FY 2011 Market Structure Monopoly Salvatore D. (2012) characterized a restraining infrastructure showcase as â€Å"an association in which a solitary firm sells an item for which there are no nearby substitutes† (p. 388). Also, of the four wellsprings of restraining infrastructure refered to (Salvatore, p. 390) is one built up by an administration establishment like the United States Postal Service. Not all of USPS items and administrations are monopolized.USPS restraining infrastructure is just in their mailing administration alluding to as its â€Å"dominant mailing serviceà ¢â‚¬ . No other conveyance administration organization in the business is permitted to convey mail. Furthermore, this incorporates conveyance administration organizations like UPS and FedEx. Mailing administrations incorporates First Class Mail, Standard Mail, Periodicals and Package Services. The USPS’s has restraining infrastructure over letter conveyance, post box imposing business model and the capacity to suspend the conveyance in specific zones. It authorizes this restraining infrastructure with its outfitted postal monitors who can lead searches and seizures in the event that it associates penetrate with its monopoly.The

How can India get more Olympic Medals Essay

In 2004 Athens Olympics, India commended it’s accomplishment of the one silver award it won in Shooting. Following four years, in 2008 Beijing Olympics, India won a gold decoration in 10m Air Rifle occasion and one bronze award each, in Wrestling and Boxing. The worldwide media valued this as an uncommon accomplishment from a ‘non-athletic nation’. The tag ‘non-athletic nation’ can be invalidated thinking about the rage for cricket in India. In any case, that isn't the bone of dispute here. India is considered as a non-athletic country due to it’s predictable lackluster showing before the world crowd in this quadrennial occasion. India has 17% of the total populace yet won just 0. 31% of the all out awards in Beijing Olympics. Subsequently, there is a dire requirement for a system that can assist India with winning progressively Olympic awards. It is critical to comprehend ‘why’ India has not had the option to get progressively Olympic decorations before noting ‘how’ to get the equivalent. All things considered, the athletes and ladies in India regularly grumble about absence of satisfactory sources, reserves, foundation, gear, sponsorship and consolation for sports and games other than cricket in the nation. Debasement, political intercession and reluctance of sports specialists are likewise refered to as the main drivers. Deficient preparing projects and practice meetings which don't satisfy universal guidelines are supposed to be another purpose behind inauspicious exhibitions in the Olympics. Other than the abovementioned, another most significant explanation is the debilitation and lack of engagement appeared by guardians and instructors to their children’s enthusiasm for sports and games. The arrangement lies in tending to or focusing on the above issues. In any case, guardians and educators should put forth an additional attempt to recognize a child’s tendency towards sports. Offspring of any age ought to be urged to effectively take an interest in sports as it will help in their general physical and mental turn of events. Schools ought to incorporate games as a fundamental piece of their educational program. Sports rivalries ought to be held at nearby and territorial levels, and understudies keen on a specific game, ought to be furnished with further preparing. This can assist kids with developing sportsmanship characteristics and furthermore gain involvement with the game. Besides, the state and focal governments ought to give sufficient assets and assets to redesigned preparing programs, fundamental framework, gear and different offices to sportspersons. For example, the administration and sports experts in China have not just intended to effectively have 2008 Olympic games in Beijing, yet in addition have structured ‘Project 119’ towards winning gold[s] in the award rich games of swimming, track, paddling, kayaking and cruising. Under this task, concentrated preparing at standard with global principles was given to competitors and members of different games. India needs to plan and execute such objective arranged tasks to secure more decorations in Olympic games. Thirdly, all the consolation, assets and support would go squander without a legitimate mentor. The subtleties and stunts of the game must be gained from a decent mentor. Indeed, even in Mahabharata, the incomparable India epic, an ace bowman like Arjuna was prepared by his adaptable educator, Dhronacharya. Consequently, mentors with great execution record, understanding and introduction to national and universal games ought to be designated as sports mentor to prepare the competitors. Likewise, steps ought to be taken to cut off the limbs of this gigantic octopus called ‘corruption’ which has made it’s route into all aspects of human life including sports and games. Endorsing and giving sufficient assets is one stage however using them productively for the reason implied, is an inside and out various advance. Records ought to be reviewed to guarantee legitimate allotment of assets. Specialists holding positions in sports associations, affiliations and choice boards of trustees ought to be considered responsible and rebuffed in case of any abuse of the assigned assets. Additionally, preference and inclination in determination of colleagues, arrangement of coaches, and so on ought to be carefully disheartened. It ought to be guaranteed that the main standards for choosing a player or a mentor in the group ought to be his/her exhibition record and certainly not their own experience or connection with the individuals on Selection panel. Care ought to be taken to not rehash cases like Monica Devi, a grappler from Manipur, who was dropped from the Indian unforeseen to 2008 Beijing Olympics in the latest possible time. The issue is yet to be tackled. Such episodes can prompt disdain among players. At last, sports in India ought to grow and reach past cricket. Cricket has figured out how to pull in gigantic display, presumed brand names for sponsorship and famous superstars like industrialists and bollywood entertainers. Money rich Indian Premier League remains as a declaration to this. Comparative treatment is expected to be agreed to different games. Private sponsorers including household and global organizations ought to be welcome to offer sponsorship to athletes of different games. Wide exposure ought to be given to different games by communicating them on TV. Decoration winning execution ought to be properly compensated by the focal and state governments. Be that as it may, inspite of the considerable number of obstacles and hiccups, Abhinav Bindra, Sushil Kumar and Vijendra Kumar made history at the Beijing Olympics 2008. This obviously shows without obstructions, India would stand best in class in the Olympic Medal outline.

Analysis of the Chase Scene in Blade Runner Essays -- Film, Movies

The pursuit scene is a key piece of the film as it impacts the watcher's general assessment of the primary character, Roy. All through the film Roy is deciphered as the lowlife and Deckard seen as the saint. Anyway this scene makes compassion toward Roy and depicts him as a friend in need figure. Ridley Scott, the executive, does this utilizing a scope of specialized, social and emblematic codes. These are the semiotic codes this article will investigate. Specialized codes are the utilization of specialized strategies used to make a certain climate, state of mind or feeling. For instance a Blue Filter is utilized to set a despairing vibe advancing the picture of Roy having the blues. Social codes are topics or procedures utilized in media that are connected somehow or another to: religion, culture, occasions in history or beforehand distributed books and movies (media). A model would be Ridley Scott's utilization of neon signs (TDK), behind Roy toward the finish of the pursuit scene. This recommends joins with Tokyo, a primary point of convergence for assembling merchandise. Representative codes use words, articles and pictures to speak to a certain feeling or thought. For this situation their primary intention is to incite compassion. A model would be Roy's dark Nazi style coat representing/depicting him as a shrewd character. To start the scene, the state of mind is set by a blue channel. This is a specialized code: inciting the feeling of misery. This impact makes compassion toward Roy in light of the fact that the air is horrid and despairing. In like manner the building up shot is in delicate center, another specialized code making a delicate, quiet state of mind, which diverges from the savagery later to come. These two strategies toget... ...s in the interim show he feels once more as a human does and subsequently the watcher identifies with Roy and in this manner feels for him. At long last he bites the dust and a bird takes off out of his hands, speaking to harmony and Roy's soul. Be that as it may, does Roy have a spirit? This is one of the numerous non-serious inquiries the watcher is left to consider. It isn't a verbally expressed inquiry, it is an open-finished sign, there is no restriction the crowds' translation; it is a unimportant manual for their passionate reaction. To close I think the piece is very fruitful in making the watcher feel compassion toward Roy through each semiotic code. The issues raised about Roy through these leave the watcher in tension with unanswered inquiries like: Was Roy customized to have passionate reactions? What are his privileges? Perhaps he was man made. Be that as it may, aren't we all?

My Life as a Catfisher

Catfishing The phenomenon of internet predators that fabricate online identities and entire social circles to trick people into emotional/romantic relationships (over a long period of time). Possible motivations: revenge, loneliness, curiosity, boredom The term catfishing was inspired by the 2010 documentary Catfish. Gwen was worried that her online boyfriend was a phoney after she saw a TV program about Catfishing. [SOURCE: http://www.urbandictionary.com/define.php?term=Catfishing] If you have read the article â€Å"11 Ways to Make Money Online,† you may have noticed that I mentioned catfishing as one of the ways of working online. It may not be an illustrious part of my freelance career, but it was writing-related catfishing that really opened up my worldview and exposed just what some people want to outsource. Can we really live automated, outsourced lives for a fair-market price? The answer to this and other question shall be answered in this trip down Freelance Memory Lane†¦ In the Beginning Back in the days of Elance.com, when I didn’t know any better, I went looking for writing-based work. Perhaps it was beginners’ luck, but I managed to find the strangest work through that site. One week, I’d be working as a copyeditor for a GMAT-preparation course written by Ukrainians, the next I’d be transcribing articles for an English guy’s thesis. It was a mixed bag, but the pay was better than most desk jobs I worked. If it looked interesting, I’d submit a proposal and hope to hear back from the client. One gig was for something completely different. The post read something to the effect of: â€Å"Looking for 10 posts a day on dating websites† The description was fairly laconic, but it piqued my curiosity. What did I have to lose? After all, even if it turns out to be a disaster, I could still write about it. Hence, why I’m writing about this†¦ Nevertheless, the client approved my proposal, which consisted of my previously-published clippings and message that confirmed my expertise in securing a mate through digital means; after all, I had a girlfriend at the time. That was the guy’s goal, right? Well, not exactly. It was hard to find out what the person wanted from this endeavor, but I appreciated the work. For a low $15/hr, I began canvassing sites like Zoosk, OkCupid, and Plenty of Fish for women that would be interested in this guy. His original profile was painfully bad, with lame jokes about why men can’t have birth control pills. He was striking out before he even began. So I went to work†¦ He didn’t have a type of woman that he explicitly desired, so anyone from 18 to 40 was fair game. I sent them carefully constructed messages that mimicked their profile. If the profile was long, I created an equally lengthy message. It was amazing how just doing this mirroring could elicit a message from a lovely lady. I took this to note in the future when dealing with my own clients . The catch of the project was, however, that my client would take over after the first message. I was to send no follow-ups, as he was simply narrowing the field of applicants. It was kind of sad to watch each opportunity fail—the poor guy was terrible and desperate just from the get-go. Within the first few paragraphs of his reply, he’d ask if the girls were into smoking cannabis and bikram yoga and what was their favorite salsa moves. Too much too soon. I continued on in this fashion, with some women being actively interested, only to find out that they had ulterior motives: one girl wanted money, another was missing her lower jaw. It was simultaneously sad and interesting. The Zeitgeist I became so prolific, I began sending out 300 messages a week, working 15 hours for a job that I found absolutely fascinating. I felt like I was doing God’s work. Surely, by the law of averages, he could find someone. Each PayPal payment per week was confirmation that I was doing a good job, but that perhaps overscholastic achievement could blind someone to the flaws in their personality. His photos were eventually professionally taken. There was my client, posing like he was at a wedding. There was the semi-casual photo, which made the entire encounter a little uncomfortable. Was he really this desperate? There were many conflicted opinions I had while working on this job. What were the ethical ramifications of this—was he aware of them? Was he somehow getting off on the idea that even his dating life mimicked his career in finance? Strangely enough, the gold diggers weren’t interested in him at all, despite his â€Å"Income† column reading â€Å"$100,000+/year†. It felt trashy. Niche Research Instead of trying to entice unsuspecting women through clandestine methods, I was able to read through the lines of the text for each user’s profile. It gave me a sense of taking in an overview of someone’s online persona and what they were really interested in. In effect, I was able to study a person’s branding. What kind of target market were these people looking for? I could piece together someone’s socio-economic status from their pictures. Lo and behold, that same self-made woman was interested in traveling, yoga, and eating good food. The cosplay-loving girl was into working retail and Second Life. Think about it; knowing two correlated topics can open up your possibilities to niche markets to blog for, consumer trends, and just which direction the hive mind was heading. This was valuable info. Emotional Investment It was a bit of an emotional investment tied up with the entire project as I was dictating the life of my client. I spent some time reflecting recently, and I found a pattern: every project I was involved with was colored by the personality of my clients. Their up’s became parallel to my life. In the future, I’d be careful to cultivate clients that have a good energy about them, not the unreasonable ones out there. Life is short, after all. The First Time I Ever ‘Met’ Your Mother Of course, theres a very humorous angle to all this, and at $15/ hour, Im not one to complain for the fringe benefits of laughing from time to time. Im not sure what was funnier: the fact I was able to coerce people into responding or my client’s responses, which quickly veered into desperation for human contact at any means. I think the worst part of this was that he probably missed out on the initial contact—think about it: would you ever reveal to a person you had married or engaged in a long-term relationship with that the first message was never sent by you? And thats why I he believed was doomed to fail from the beginning Brave New World? Could this be a sign of things to come for freelance writers? Would working on interesting projects like this revitalize your interest in writing? I mean, Ive worked on everything from the requirements of a Connecticut hospital negligence attorney to the health benefits of peppermint candy (spoiler alert: there are none). I know for me, it certainly improved my writing to the extent that I’m  ½ way through a short story with a fictionalized account. That’s certainly a fringe benefit that’s missing from ordinary assignments. One question still lingers, though: if it seems like my client just needed a physical encounter, why didn’t he just get a prostitute? I believe he was really was looking for companionship, but his work got in the way. Money wasn’t everything†¦ Finally Take a look at

Chinchilla Facts (C. chinchilla and C. lanigera)

The chinchilla is a South American rodent that has been hunted to near-extinction for its luxurious, velvety fur. However, one species of chinchilla was bred in captivity starting at the end of the 19th century. Today, domesticated chinchillas are kept as playful, intelligent pets. Fast Facts: Chinchilla Scientific Name: Chinchilla chinchilla and C. lanigeraCommon Name: ChinchillaBasic Animal Group: MammalSize: 10-19 inchesWeight: 13-50 ouncesLifespan: 10 years (wild); 20 years (domestic)Diet: HerbivoreHabitat: Andes of ChilePopulation: 5,000Conservation Status: Endangered Species The two species of chinchilla are the short-tailed chinchilla (Chinchilla chinchilla, formerly called C. brevicaudata) and the long-tailed chinchilla (C. lanigera). The short-tailed chinchilla has a shorter tail, thicker neck, and shorter ears than the long-tailed chinchilla. The domesticated chinchilla is believed to have descended from the long-tailed chinchilla. Description The defining characteristic of a chinchilla is its soft, dense fur. Each hair follicle has between 60 and 80 hairs growing from it. Chinchillas have large dark eyes, rounded ears, long whiskers, and furry 3 to 6-inch tails. Their back legs are more than twice as long as their front legs, making them agile jumpers. While chinchillas appear bulky, most of their size comes from their fur. Wild chinchillas have mottled yellowish gray fur, while domestic animals may be black, white, beige, charcoal, and other colors. The short-tailed chinchilla ranges from 11 to 19 inches in length and weighs between 38 and 50 ounces. The long-tailed chinchilla may reach a length up to 10 inches. Wild long-tailed chinchilla males weigh slightly more than a pound, while females weigh slightly less. Domestic long-tail chinchillas are heavier, with males weighing up to 21 ounces and females weighing up to 28 ounces. Habitat and Distribution At one time, chinchillas lived in the Andes mountains and along the coasts of Bolivia, Argentina, Peru, and Chile. Today, the only wild colonies are found in Chile. Wild chinchillas inhabit cold, dry climates, primarily at elevations between 9,800 and 16,400 feet. They live in rocky crevices or burrows in the ground. Distribution of two chinchilla species in 1986. Amerique_du_Sud.svg: Cephas / Creative Commons Attribution-Share Alike license Diet Wild chinchillas eat seeds, grasses, and fruit. Although they are considered to be herbivores, they may consume small insects. Domestic chinchillas are usually fed grass and kibble specially formulated for their dietary needs. Chinchillas eat much like squirrels. They hold food in their fore paws, while sitting upright on their hind limbs. domestic chinchilla holding food with arms. olgagorovenko  / Getty Images Behavior Chinchillas live in social groups called herds that consist of 14 to 100 individuals. They are largely nocturnal, so they can avoid hot daytime temperatures. They take dust baths to keep their fur dry and clean. When threatened, a chinchilla may bite, shed fur, or eject a spray of urine. Chinchillas communicate using a wide variety of sounds, which include grunts, barks, squeals, and chirps. Reproduction and Offspring Chinchillas can mate at any time of the year. Gestation is unusually long for a rodent and lasts 111 days. The female may give birth to a litter of up 6 kits, but usually one or two offspring are born. The kits are fully furred and can open their eyes when they are born. Kits are weaned between 6 and 8 weeks of age and sexually mature at 8 months of age. Wild chinchillas may live 10 years, but domestic chinchillas can live over 20 years. Chinchillas are born with fur and open eyes. Icealien / Getty Images Conservation Status The International Union for Conservation of Nature (IUCN) classifies the conservation status of both chinchilla species as endangered. As of 2015, researchers estimated 5,350 mature long-tailed chinchillas remained in the wild, but their population was decreasing. As of 2014, two small populations of short-tailed chinchillas remained in the Antofagasta and Atacama regions of northern Chile. However, those populations were also decreasing in size. Threats Hunting and commercial harvesting of chinchillas has been banned since a 1910 treaty between Chile, Argentina, Bolivia, and Peru. However, once the ban began to be enforced, prices of pelts skyrocketed and poaching brought the chinchilla to the brink of extinction. While poaching continues to be a significant threat to wild chinchillas, they are safer than before because captive chinchillas are bred for fur. Other threats include illegal capture for the pet trade; habitat loss and degradation from mining, firewood collection, fires, and grazing; extreme weather from El Nià ±o; and predation by foxes and owls. Chinchillas and Humans Chinchillas are valued for their fur and as pets. They are also bred for scientific research of the audio system and as model organisms for Chagas disease, pneumonia, and several bacterial diseases. Sources Jimà ©nez, Jaime E. The extirpation and current status of wild chinchillas Chinchilla lanigera and C. brevicaudata. Biological Conservation. 77 (1): 1–6, 1996. doi:10.1016/0006-3207(95)00116-6Patton, James L.; Pardià ±as, Ulyses F. J.; DElà ­a, Guillermo. Rodents. Mammals of South America. 2. University of Chicago Press. pp. 765–768, 2015. ISBN 9780226169576.Roach, N. R. Kennerley. Chinchilla chinchilla. The IUCN Red List of Threatened Species 2016: e.T4651A22191157. doi:10.2305/IUCN.UK.2016-2.RLTS.T4651A22191157.enRoach, N. R. Kennerley. Chinchilla lanigera (errata version published in 2017). The IUCN Red List of Threatened Species 2016: e.T4652A117975205. doi:10.2305/IUCN.UK.2016-2.RLTS.T4652A22190974.enSaunders, Richard. Veterinary Care Of Chinchillas.  In Practice (0263841X)  31.6 (2009): 282–291.  Academic Search Complete.

The Retirement Pension Plan ( Cpp ) Benefits Essay

Turning 60? When is the best age to start Canada Pension Plan (CPP) benefits? As you approach age of 60, it’s time to take benefit of your life long hard work in terms of pension benefits. First, you need to decide at what age you would like to begin your CPP pension benefits. As this decision will impact your total pension benefits for the rest of your life, caution is advised. This article will help you to understand when the best age is to being your Canada Pension Plan (CPP) benefits. Let’s assume that Joey, Chandler and Ross will each turn 60 on 9th Sep 2016. Let’s also assume that according to each of their respective CPP Statements of Contribution, they will each receive $1,000 per month if they start their retirement benefit at the age of 65. The difference though is that Joey, Chandler and Ross wish to start their pension benefits different ages: Joey at age 60, Chandler at age 65, and Ross at age 70. We will analyze how much will they receive as a CPP benefit each year. We know that as per Canada Pension Plan if you begin CPP before age 65, your pension benefit will be reduced by 0.6% per month; and if you begin receiving benefits after age 65, your pension benefit will increase by 0.7% per month. This means that Joey will have reduction of 36% (60 months Ãâ€" 0.6%) of CPP benefit per month and Ross will receive 42% (60 months Ãâ€" 0.7%) more of CPP benefit per month. Chandler will receive the same amount as per his CPP Statement of Contribution (due toShow MoreRelatedA Recipient Of And Oas Pension Before You Are Eligible For The Gis Benefits1566 Words   |  7 Pagesbe a recipient of and OAS pension before you are eligible for the GIS benefits. If you are delaying your OAS pension, you will not be eligible for the GIS benefit even though you meet the other requirements. If you are already a recipient of the OAS pension, but not the GIC benefit, you can apply online using the My Service Canada Account service, or by mail. 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The internet free essay sample

While some consider it as a blessing others regard it as a curse, because the internet like everything else In the world has a good and a bad side to It. The one of the main reasons that many people blame is that there is no sense ot censorship in the world of the internet Without censorship many things spin out of control. People start using the internet as a method of spying rather than a manner of communication they abuse this blessing by placing Information or data that Is unacceptable such as hacking, others may use it for fraud or theft. When these actions are committed they are considered as a form of crime, and like all other crimes they are intolerable by society. A student no longer needs to spend long hours in libraries searching for a desired piece of information. A web search engine can provide the needed material Just at a click of a button and no matter which remote corner of the world you are In, the Internet will keep you side by side of the latest developments in your area of interest. We will write a custom essay sample on The internet or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page As with every new technology there are those who speak high of the Internet and there are those who portray It in an unfavorable source of knowledge. And as with ther new technologies there is nothing wrong with the Internet itself. It is we who are to decide whether the internet is a curse or a blessing. The question as per whether the internet is a blessing or a curse for this millennial generation Is attracting a global attention. As a topic of global interest, one just have to take a position but with an unbiased sense of judgment. The advent of internet has brought unprecedented breakthrough In every sphere of human endeavour and perhaps also some negative impact. Internet simply put, Is d cloud based medium that enable dissemination of nformation internationally among millions of users through a network connecting computers and other compatible gadgets. The information could be accessed in a written form through electronic mall, recorded videos, Instant messaging, video chat, pictorially etc. From every sense of fairness, Internet has turned the universe to one global village and has done more good than evil. Can we say that internet is both a blessing and a curse? We should be able to take a position at the end of this discourse. Benefits of the Internet (Advantages) The benefits ot the internet have to do with the blessings and advantages associated with its usage. They are discussed below: Knowledge Pool: I nere Is naraly any toplc tnat nas no aeTlnltlon onllne. scnolars gladly research into any area of interest and make their findings available for the benefits of all seekers of knowledge on the internet. Fastest medium of information dissemination: It is the fastest medium of information dissemination especially if it is bulky. I remember waiting for the news vendor (print media) several hours to catch a glimpse of the latest news several years ago. But now, Just go online, and you are current and abreast with latest news even before the news paper seller. An instructional media for Teachers: Students can learn and be taught at the comfort of their homes online (e-learning). They can attend classes even when they are thousands of Miles away from the school or learning centres. This is achieved via the aid of a projector connected to the internet. With other supportive accessories and gadgets, they can even have student-teacher interaction,a two way channel that consummate the learning process. Source of Income: It is a veritable source of ncome for millions of persons around the globe. Internet Service Provision in itself is a business whether at the multinational or local level. Today we have several online publishers and freelancers getting their livelihood through this medium. Medium for Data Storage: Data and information that need easy and quick retrieval can be better stored online. Though this may have some side effects but it is better. We live in a world prone to all forms of disasters such as fire occurrence, flood and theft Just to mention a few. Documents stored online are safe in case of such occurrences. Business Transactions: Today we hear of e-commerce. This is made possible through the internet. Buying and selling with ease online is becoming the best practice and it has proved to be safer and more convenient. Entertainment Media: It has assumed the widest spectrum for the entertainment media. Easy access to audio and video streaming with variety of choices especially with a very strong network. In most cases you pay data connection fee only while the movies are free. Although they have their own remote benefits. Medium of Advertisement: Online advertisement is one of astest growing advertising media. There is hardly any site one visit without seeing one form of advert or the other. The fastest means of letting the World know what your business is and any other important information is to advertise it online. The Dark Side of the Internet (Disadvantages) The internet has some disadvantages. They are as follows: 1 . Malicious Spy: Some unscrupulous individuals take advantage of internet lapses to spy and access the privacy of some well meaning users . They have various means of achieving this nefarious act, most especially through Computer or electronic viruses. Through this medium some persons has lost valuables too numerous to quantify. To forestall this act, a reliable anti- virus or anti-spyware should be installed on Computer systems and similar gadgets that are online. 2. Moral Decadence: The advent of internet has brought about a number of vices as a result 0T all manner 0T InTormatlon tnat are allowed on onllne. For example tnere Is unrestricted access to pornographic videos. This no doubt can corrupt Teenagers and even adults who lack discipline. Apart from pornography there are other movies that are not healthy for Children and Teenagers. Distraction: It can cause distraction if not properly harnessed with discipline even among adults. Too much time is spent by youngsters on irrelevant browsing at the expense of other meaningful engagements such as studying their books. 4. Terrorism: Coordinated terrorist attacks are made possible in most cases via the internet. It easier for them to use this medium than any other means of communic ation for the sake of secrecy. 5. Fraud: Internet is one of the greatest avenue through which fraud has been committed. This most often is possible through deceit and false identity. As a result the unsuspecting public are prone to be victims. It is one of the biggest media for trading as indicated in the benefits of online transaction. We have seen situation of impersonation and declaration of false identity and sometime one wonder why they sail through even with all these numerous warnings and awareness creation about this type of activities. This is a Food for Thought. In my own opinion I think the reason why many fall prey is because of greed. An attempt to get rich overnight as a result they cant exercise enough patience for proper investigation.