Hazardous Material Management and Hazard Communication Essay - 9

Risky Material Management and Hazard Communication - Essay Example So as to add another synthetic to HazCom program compound stock, one needs to follow an all around laid out rule. Since it is done on the web, the business needs to get to the site at that point sign in. subsequent to entering the name of the new concoction into the site, he ought to continue to scan for CAD at that point click on ‘Add chemical’ then create for it a CAS number in the event that it doesn't have one as of now. From that point, transfer all the data with respect to the new chemical’s administrative data, NFPA appraisals and physical properties. At long last, spare and present the subtleties and sit tight for an audit (Aldrich, 2009). HazCom program concoction stock is put away online on the grounds that having a PC information base is acceptable. It is productive and can be effectively up dated and recovered for use. In this way, all businesses who have harzadious synthetic concoctions ought to guarantee that their data is caught in the HazCom program substance stock. It is suggested for ideal security of the workers working

Case Problem Stateline Shipping and Transport Company Essay

Case Problem Stateline Shipping and Transport Company - Essay Example Polychem has six destinations that are accessible to pick misuse of Stateline. Polychem then might want Stateline to move the loss for removal to any of the or one of the three locales. Stateline needs to ship the loss to the site and cause costs for the equivalent (Bernard, 2010). So as to do as such, Rachel needs to perceive what the less exorbitant delivery courses are. This is essentially the transportation issue for the issue, for example, cost minimization. The issue face by the organization is that it has six assortment places from where the organization wishes to get the waste and transport it to the closest three expendable focuses which ought to be at the very least expense. The accompanying beneath table sums up the expenses from the assortment communities to the dispensable destinations. Since the organization has the choice to drop and burden back at specific focuses for example plant or removal focus with no additional cost, we can discover establishes in this model as well. It is viewed as modest to drop and burden back at middle of the road puts at that point delivering them legitimately. The organization will appreciate the cost advantage by dropping the loss at a specific middle of the road focuses as portrayed in the underneath table. Every such root with the most reduced expense are given in the accompanying table. Utilizing the first issue the base expense of the organization without utilizing any middle of the road comes out to be $2822. Be that as it may, by utilizing some middle of the road focuses the first issue was adjusted and understands by and by to check the base expense. The outcomes indicated that by utilizing transitional focuses and the new model caused a decrease in the transportation costs. The expense was decreased to $2630. So as to accomplish this organization must follow the accompanying transportation roots as portrayed previously. Squander from the Kingsport to duras ought to be shipped to Macon first and afterward Macon to Duras. Squander from the Macon to Los Canos ought to be conveyed to Selma first and afterward from Selma to Los Canos. Squander from Selma to White water ought to be conveyed to Columbus first and

5 States Where People Need to Watch Out for Predatory Title Loans

5 States Where People Need to Watch Out for Predatory Title Loans 5 States Where People Need to Watch Out for Predatory Title Loans 5 States Where People Need to Watch Out for Predatory Title LoansTitle loans are illegal in many states, but where they are allowed they can all too easily trap borrowers into a predatory cycle of high-interest debt.When it comes to taking out a bad credit loan or no credit check loan, your options are going to depend on where you live. These small-dollar cash advance products are regulated at the state levelâ€"with municipal governments occasionally adding their own regulations on top!Now, not all bad credit loans are dangerous. Some, like bad credit installment loans  in particular, can be a great way to bridge financial shortfalls or cover an unforeseen bill. But one of the most dangerous kinds of no credit check loans, ones that you should do everything in your power to avoid, are title loans.These loans are secured by the title to your car or truck, which means that failing to pay the loan back will almost certainly result in your vehicle being repossessed! Title loans also come with ludicrously high interest rates, which can leave borrowers stuck between a rock and a hard place.But that’s why we’re here! We did some digging to find the areas in the U.S. where predatory title lenders tend to thrive. And if you live in one of these five states, make sure you do everything you can to avoid taking out a risky, expensive title loan. They’re just not worth it!1. AlabamaAlabama is quite the hunting ground for predatory car title lenders. With no restrictions on maximum loan limits and annual percentage rates (APRs) as high as 300 percent, it’s a place where they can make a lot of money. By one estimate, Alabama title lenders rake in over $356 million per year in fees.Maybe this is why Alabama has more title loan locations than any other state in the union. With a total of 627 locations, there is one title loan issued in Alabama for every 5,427 residents. Even in other states where predatory title lending runs rampant, you won’t see numbers like that.Ti tle lenders in Alabama are classified as pawnbrokers, which means that their loans are subject to the state’s Pawn Shop Act. As such, title loans are made for an initial 30-day term with a maximum interest rate of 25 percent.If the lender doesn’t receive payment within that 30-day period, another 30-day redemption period begins. Customers are faced with paying an additional interest fee to roll over the loan or have their car repossessed and sold to pay their debt. According to the Consumer Financial Protection Bureau (CFPB), one in five title loan borrowers has their vehicle repossessed.Lastly, Alabama is one of the two states in the whole country (the other being Georgia) where lenders are allowed to keep all the proceeds from the sale of a repossessed vehicle. So if the vehicle being sold nets more than the borrower owed on their loan, they’re out of luck. To learn more about predatory lending in the  state, check out our subprime report on payday and title lending in Alaba ma.2. MississippiThere may not be nearly as many title loan locations in Mississippi as there are in neighboring Alabama (355 storefronts to 672), but Mississippi title lenders still seem to do pretty well for themselves to the tune of over $297 million in fees per year.Title lending in Mississippi was greatly expanded in 2016 when the Mississippi Senate passed a bill allowing payday lenders and check cashing stores to offer car title loans as well. According to data from the Center for Responsible Lending and the Consumer Federation of America, there are 73,867 title loans issued annually in the state, which comes out to 208 loans per location.In the state of Mississippi, title loans are regulated under the Title Pledge Act, which sets a maximum loan amount of $2,500 and a maximum interest rate of 25 percent monthâ€"a rate comes out to 300 percent over the course of a full year.Under the Title Pledge Act, title loans in Mississippi are issued with a 30-day repayment term, and the b orrower can renew their loan term (i.e. get another 30 days to pay the loan back plus additional interest) if they pay 10 percent of the principal.That fee structure is one of the only positive things you’ll find regarding title loans in this state. Customers can still end up paying way more towards interest than the amount they originally borrowed, but requiring that these renewals go towards the principal loan amount helps slow the predatory debt cycleâ€"if only a little bit.The Center for Responsible Lending has also named Mississippi as one of the five states that together account for almost half of payday loan and title loan fees charged nationwide. In total, over $526 million in payday and title fees is drained from Mississippi borrowers annually.When you consider how many fewer people live in Mississippi compared to the other four states on that listâ€"Texas, California, Illinois, and Ohioâ€"the scope of the problem becomes clear. If you want to learn more about payday lend ing in Mississippi, check out our report on the state’s subprime lending industry.3. GeorgiaTitle loans in Georgia are a little more complicated than similar loans in Mississippi or Alabama. While title lenders in the state can charge a 25 percent monthly interest rate on their loan products, they can only do so for the first three months that the loan is outstanding.While Georgia title loans come with 30-day repayment terms, those terms can also be extended beyond that initial time frame. After three months, the monthly interest rate that title lenders can charge is cut in half, with a maximum charge of 12.5 percent per month. This means that title loans in Georgia come with a maximum APR of 187.5 percent.That’s much lower than the 300 percent APRs you’ll find on title loans in Alabama and Mississippi, but it still means that a borrower who took out a $1,000 title loan on their car would end up paying $1,875 in interest charges alone if they rolled it over for a full year.Plu s, there is still the threat of repossession. While title lenders in Georgia have to observe a 30-day grace period between when they repossess a vehicle during which the outstanding balance can be repaid, they still don’t have to share any proceeds with the original owner that exceed the amount owed. Oh, and they can also charge you a $250 fee for repossessing your vehicle.You can find out more in our Georgia subprime report.4. TexasOn the surface, title loans in Texas don’t seem to be that bad, as title lenders in the state are limited to a 10 percent monthly interest rate. While that works out to an APR of 120 percent, which is extremely highâ€"especially for a loan that’s secured by collateralâ€"it’s still a great deal less than the maximum APRs for title loans we talked about above.But there’s a loophole. While Texas auto title lenders have to observe a 10 percent cap on monthly interest, there are no caps to the amount of money they can charge in additional fees. This is why some title loans in the state have APRs as high as 1,000 percent!According to the Texas Fair Lending Alliance, there are no restrictions on how many times a Texas title loan can be rolled over (i.e. extended). However, a number of municipalities have moved to restrict or regulate title lending at the local level, including limiting the number of rollovers.Title loans drain over $432 million in fees from Texas borrowers every year. By exploiting multiple loopholes, these lenders have turned Texas into one of the largest title lending states in the entire nation. It really is the wild west of predatory lending.If you want to read more about payday and title lending in Texas, check out our subprime report for the state.5. VirginiaTechnically, Virginia shouldnt be on this list. Not because title lending isn’t a major problem there, but because it isn’t actually a stateâ€"it’s a commonwealth. Still, we guess we can make an exception.Like Georgia, Virginia title lenders have to abide by a sliding scale when it comes to charging interest. But whereas the Georgia scale is based on the length of time during which the loan is outstanding, Virginia’s is based on the amount that’s being borrowed.Title loans under $700 come with a maximum monthly interest charge of 22 percent while loans between $701 and $1,400 have a maximum monthly charge of 18 percent. And for title loans in Virginia with principals above $1,400, lenders can’t charge more than 15 percent a month.While this a small bit of a progress, it still means that title loans in Virginia come with APRs between 180 and 264 percent! And with a minimum loan term of four monthsâ€"with a maximum term of a yearâ€"this means that even the lowest rates really add up.A Virginian who borrowed $1,500 through a title loan would pay $900 in interest over four months and $2,700 over the course of a full year. Meanwhile, a Virginian who took out a $500 title loan would pay a minimum of $440 in interest and a m aximum of $1,320!With rates like that, it’s no surprise that these title loans can easily trap borrowers into a predatory cycle of debt, leaving them with the hard choice between forking over hundreds (or even thousands) of dollars in interest or having their vehicle repossessed.Check out our subprime report to find out more about payday and title lending in the stateâ€"sorry, “commonwealth”â€"of Virginia. And if you’re still curious about how title lending stacks up in other areas of the country, we suggest you also read our subprime reports for high-volume title lending states like Illinois, California, and Ohio.Here at the OppLoans Financial Sense blog, we like to help people steer clear of predatory loans. And the best way to do that is to improve your money management skills. To learn more about managing your finances, check out these related posts from OppLoans:Your Guide to Escaping a Debt TrapHow to Responsibly Maximize Your Credit Card Rewards8 Ways To Save Money To day, Tomorrow and Every Day AfterFrom Budget to Baller: 6 Tips to Grow Your MoneyWhat other questions do you have about title loans? We want to hear from you! You can find us  on  Facebook  and  Twitter.

The Toms River High School East Child Stud Team - 1834 Words

The Toms River High School East Child Stud Team (CST) would like to provide comments and concerns relating to the Elementary and Secondary Education Act (ESEA), No Child Left Behind, and Individuals with Disabilities Education Act (IDEA) of 2004 requirement of assessments in public schools and that all students must participate, with the sole focus on the state of New Jerseys decision to use the PARCC. Specifically, considering the impact is has on students classified with learning disabilities. I would like to urge you to think about reevaluating the procedure of using the PARCC and other standardized tests that are geared to general education students to assess our students because it seems to be doing more harm than good. During the†¦show more content†¦To start, I would like to give examples of how this test is actually affecting the students. As the time for testing comes near, students come into the high school CST office daily talking about how anxious they are about having to participate in the test, even with testing accommodations put in place. One specific student, Ashley’, has been coming in regularly talking about how nervous she is about the test this year because last year her parents opted her out. This year, the school district has informed her not to do this and she knows that there is no possible way she will pass because he is in all special education (SE) classes. When he was informed that he did not have to pass and try his best because through her IEP she will be exempt from passing, she expressed that she is still upset about it. She feels that she has to do well on the test to prove that she is not dumb. She says that thinking about taking the test makes her sick to his stomach and she wants to skip those school days when the test is being administered. Just from speaking with her, it is easy to see that the scores she feels she will receive on this test are affecting her self-esteem. She does not understand why she has to take the test if she is exempt from passing. Ashley is not the only one to express concerns about taking the test.

Monkey Is A Classic 18th Century Chinese Folk Tale

Screenplays are meant to inspire the imagination and display a prevalent theme in an interactive and approachable manner. Monkey is a classic 16th century Chinese folk tale novel that mixes allegory, history, and satire into a chaotic but however meaningful adventure. As a combination of being a picaresque novel and a fold tale epic, magical realism is evident and plays a big role in the story. The allegorical nature of the characters and the anti-bureaucratic satire makes the novel more alluring and thus has made the story more enduring and popular. The vivid imagery and descriptions makes the story come alive as Hsuan Tsang, Tripitaka, ventures in his arduous travels to find the Buddhist scrolls and scriptures leading to eventual success†¦show more content†¦A pine-tree? Did you think I taught you in order that you might show off in front of other people† (Wu 27)? The novel serves as a dazzling combination of slapstick comedy, spiritual wisdom, and nonsense with prof undity. Particularly interesting is the metamorphosis of the Monkey or the symbolism of the Stone Monkey. This character change is noteworthy and would be a focal aspect of the screenplay. In the end, accomplishing the mission of reaching the scrolls back to China, Tripitaka and his three disciples get escorted to heaven by the eight Vajraparis. They all get promoted by Buddha himself as Tripitaka is now â€Å"Buddha of Precocious Merit,† Monkey is made to â€Å"Buddha Victorious in Strife,† and Pigsy is the â€Å"Cleanser of Altars.† In the beginning the Monkey is carved out of stone symbolizing his lack of being apprehensive and belittling fear. Because of how he was brought to existence his careless and reckless nature was brought about by how he was born with no family, especially parents. Due to his recklessness and misbehavior in Heaven, Monkey had to be trapped under the Mountain of five elements. This is particularly interesting as this entrapment serves as symbo lism of how Buddha is superior to man, and the need for the quest to enlightenment. However, a distinct change was evident as mentioned, â€Å"But fortunately, when the time of your retribution was ended, you turned your heart to the Great faith and your endeavor to theShow MoreRelatedPhili Literature3111 Words   |  13 Pagesby Pio Duran e. Fables. These are also fictitious and they deal with animals and inanimate things that speak and act like people and their purpose is to enlighten the minds of children to events that can mold their ways and attitudes. Example: THE MONKEY AND THE TURTLE f. Anecdotes. These are merely products of the writer’s imagination and the main aim is to bring out lessons to the reader. Example: THE MOTH AND THE LAMP g. Essay. This expresses the viewpoint or opinion of the writer about a particularRead MoreProject Mgmt296381 Words   |  1186 Pageswave This page intentionally left blank Project Management The Managerial Process The McGraw-Hill/Irwin Series Operations and Decision Sciences OPERATIONS MANAGEMENT Beckman and Rosenfield, Operations, Strategy: Competing in the 21st Century, First Edition Benton, Purchasing and Supply Chain Management, Second Edition Bowersox, Closs, and Cooper, Supply Chain Logistics Management, Third Edition Brown and Hyer, Managing Projects: A Team-Based Approach, First Edition Burt, Petcavage, and

Paper on Population Control Free Essays

In early years human population and population growth has not been an issue. This is because of the variety of different environmental factors. Sickness and disease has played a large role in keeping human population under control since the beginning of time. We will write a custom essay sample on Paper on Population Control or any similar topic only for you Order Now It seemed that when a population would get over crowded an epidemic such as, the influenza or small pox would break out. This would drastically decrease the population enough that it would be under control again. Famine is another great controller of population. When a famine strikes an area only the few with enough food will be able to reproduce or even survive. An examination of world population control would not be complete with out including war. War also performs wonders at controlling population by murdering most men of child rearing age. In today†s day and age, with our current technology increases disease outbreak and famine (except in some 3rd world countries) is not much of a factor any more. War is not considered a valid population control method due to today†s â€Å"new† wars. Without the three largest population controllers much of a factor anymore population is free to run out of control. This provides us with an ever-increasing controversy; this is whether government or society should dictate family size. I believe that society can infringe indirect controls over family size, but these are considered more community norms as opposed to hard fast rules such as governments can set. Two examples will follow. First, we will look at our society. Yes, the USA†s turn to no child and one child families. This was caused by society. Society pushes Americans to have successful careers both male and female. There has been a switch from families to careers. This not providing Americans with the time or means for multiple children, but cutting the number down to one or none. Another example of society’s control, is the push in some Asian/Middle Eastern countries for a family†s first child to be male. Even when there is no government regulation many cultures push for your first child to be male. This forces families to abort females and even murder them once they have been born. Once again this is a society/cultural push not a mandated rule. These instances are what different societies have created for themselves, when included in one of these societies it is hard to say whether it is right or wrong. I will first address the aspect that government should not control family size. First of all, it is a natural and religious right to produce offspring. Breed, multiply and populate has been the belief since the beginning of time. The idea is to grow population so that our beliefs and way of life may be spread and passed on. Who is government to take these right away? Governmental control over family size goes against everything that the USA stands for. This would be an age-old idea called freedom. When a government starts dictating the kind and size of family a person can have. Almost all freedom is lost. Another topic briefly addressed above is the aborting and murdering of babies that aren†t male. A first hand example of this is China. China regulates or gives incentives to families that only produce one child. This is where the problem begins because most families want this child to be male. Male children are providers and will go out and join the working world. They will be â€Å"successful†. Many female babies are aborted once sex is determined. If sex is not determined before birth, once born many female babies are abandoned or destroyed. This showing the cruelty that government controlled family size will push people to. Government should control family size because in most instances the general population can not handle this for themselves. A prime example of this is our already over crowded inner cities. People with chemical addictions and no financial means are cranking out babies right and left. They have no means of providing for all of these children. Government currently provides for these under privileged children, that as cruel as it sounds, should not have been born. I have had a first hand example of this problem. A family friend in another state has adopted three crack babies from the same mother; this mother is also on welfare. This certain mother is by no means an exception. China is another example of why government needs to control population. Look at the current problems that they are faced with because in previous years they have done nothing. Left uncontrolled, population will snowball out of control. Government needs to be aware of the ever -increasing population growth problem. I believe that rather that mandating how many children a family can have. They should educate its population on different means of birth control and possibly start providing for free. Especially in this country a harsher penalties needs to be imposed for chemical dependent mothers that become baby factories. An education/management plan can be imposed allowing individuals the freedom to determine the number of children they desire to have. How to cite Paper on Population Control, Essay examples

Summer Reading Life Essay Example For Students

Summer Reading: Life Essay Life has whatever meaning you give it. It can mean the world or nothing at all. You only get one chance. They say that â€Å"Life is a story and to make yours a best seller. † What does that really mean? In â€Å"The Secret Life of Bees,† May who is a sister of the Boatwright’s writes a suicide letter that says, â€Å"It’s my time to die, and your time to live. Don’t mess it up. † May was a â€Å"Special Person† and she felt as if it were her time to die and relieve the burden she put on her sisters lives. We will write a custom essay on Summer Reading: Life specifically for you for only $16.38 $13.9/page Order now It was their time to live life to the fullest with no regrets. What does living life to the fullest mean to you? In the world there are many factors that limit people from living life to the fullest, for example Society or Religion. Maybe there is a girl that lives in a little town somewhere in this world and there’s a certain activity that she loves to do, but it goes against society or her religion. Sadly, this girl wants to fit in and do good things within her beliefs. In order to do these things she can’t partake in the activities she loves. She’s being limited from living her life to the fullest because she has to choose to either fit in or to do something she loves. In an excerpt in a poem by Abdul Wahab it states, â€Å"In heart everyone likes to live no matter in what conditions. This is the quirky charm of life none can deny. Suicide is not normal it is abnormal mental condition. It is forced upon and exceptional, one the beauties of life lie not only on possessions or in physical comforts, beauties of life lie even in thoughts in seeing, in listening, in feeling life produces a mysterious music out of whatever is the flute This quote relates back to May’s illness and desire for life. In my own life I have been limited to living my life to a certain degree. If it were completely up to me I would quit school and travel the world and learn about other cultures, but sadly I have to wait until after college because my parents want me to go to school first. But seriously, now that I truly think about it, I may not be doing everything I want to in this moment, but I may be doing something someone else is unable to. I am living life to degree of fullness I am able to in this moment. Tomorrow my degree of fullness may change, but only one person truly knows what is going to happen tomorrow and that is Heavenly Father. In conclusion what does living life to the fullest mean to you? Is it just a matter of living each day as a new person or the same person with new actions? May did everything and lived her life to the fullest. Some people around the world are unable to live their lives as they please, so if you have the freedom please take it, run and do everything your little heart desires. You are the author of this life so it’s about time you sit down, open to a new chapter and start writing.