Solvency and Liquidity in Banking - Similarities and Differences Free Essay Example, 2500 words

Liquidity includes cash, credit, and equity but in most cases, the use of credit is preferred by many organizations such as bank rather than cash. The reason behind this is because many financial institutions that do a lot of investments in many countries do prefer to carry the transaction using borrowed cash. Traditionally, many of the consumers who carried business transactions preferred credit cards rather than cash since they were concerned with interest rates that normally make the business or the firm to be stable in the market though liquidity is measured by the money supply in the country. In the United States, the Federal Reserve manages liquidity with the monetary policy tools, the most important tool that it normally uses is fed funds rate which is normally concerned with short-term interest rates. The use of an open market is another tool that is used. It affects the liquidity of the country, for example, when fed fund rate is low, then the capital is easily available to the banks and other financial institutions. Low rates in the United States are recommended since they reduce the risk of borrowing because the return of the fund must be higher than the interest rate (Bucay and Rosen 15). We will write a custom essay sample on Solvency and Liquidity in Banking - Similarities and Differences or any topic specifically for you Only $17.96 $11.86/page

The Death Penalty Is It A Cruel Murderer Or Just A...

What are two sides of the death penalty?Is it a cruel murderer or just a punishment? Can not be a deterrent to crime? Capital punishment and the death penalty is the legally commissioned killing of someone as punishment for a crime. Capital punishment is used today and was used for many years to punish a diversity of offenses. Even the bible advocates death for murder and other crimes like kidnapping and witchcraft. When the word death penalty is used, it makes yelling and screaming from both sides of extremist. One side may deterrence, while the other said my exclaim, but you may execute an innocent man. Today, one of the debated issues in the criminal justice system is the capital punishment or the death penalty.Capital punishment was†¦show more content†¦Race plays a decisive role in who lives and who dies (Washington). The American Civil Liberty (ACLU) is working for a moratorium on executions and to put a closer to state-sanctioned murder in the United States.The American Civil Liberty claims it is very dis-robbing to anyone who values human life. The American Bar Association said â€Å"the quality of the legal representation is substantial.This site makes absolutely no effort to present any pro-death penalty views, and liberally spreads propaganda and rhetoric on behalf of the cause. The American Bar Association claims they are treated unfairly. Most murderers who do not have any money, receive the death penalty.People who live in countries pro-death penalty are more likely to get the death penaltyâ€Å"Ninety-nine percent of criminal defendants finish up penniless by the time their case is for appeal† (Bedau). The death penalty failed as a deterrent because some criminologists claim they have statistically proven that when an execution is publicized, more murders occur in the day and weeks that follow. An example of the death penalty that is failed as a deterrent is in the Lindbergh kidnapping.A numerous of states adopted the death penalty for crimes like these increased. Publicity may encourage crime instead of preventing kidnapping and murdering. Death is one penalty which makesShow MoreRelated The Death Penalty is Cruel and Unusual Punishment Essay examples1331 Words   |  6 PagesThe death penalty does not punish people for killing but for murdering someone. Murder is the unlawful, malicious, or permitted killing of one human being by another (Carmical 1). The slogan should be ?We execute people to show people that murder is wrong.? The death penalty is racist, it punishes the poor, it causes the innocent to die, it is not a deterrent against violent crime, and it is cruel and unusual punishment. The death penalty is wrong and it should be abolished. The death penaltyRead MoreThe Death Penalty Of Capital Punishment903 Words   |  4 PagesDeath Penalty Capital punishment have been a main debate on whether it is a cruel and unusual punishment and what it actually consist of. Even though the death penalty has been abolished in most of the western nation, the United States remain to practice the activity. The death penalty is perceived by an abolitionist as a form of cruel, unusual punishment. The idea comes from the fact that the death penalty deny the criminal their right to life. The judgment to execute criminals comes from governmentRead More Capital Punishment: Not Cruel and Not Unusual Essay1276 Words   |  6 Pages Capital punishment and the practice of the death penalty is an issue that is passionately debated in the United States. Opponents of the death penalty claim that capital punishment is unnecessary since a life sentence accomplishes the same objective. What death penalty opponents neglect to tell you is that convicted murders and child rapists escape from prison every year(List of prison escapes, 2015). As I write this essay, police are searching for two convicted murders who escaped fromRead MoreThe Death Penalty Is Cruel And Unusual Punishment988 Words   |  4 PagesThe death penalty has been around for centuries. It dates back to when Hammurabi had his laws codified; it was â€Å"an eye for an eye, a tooth for a tooth†. Capital punishment in America started when spies were caught, put on trial and hung. In the past and still today people argue that, the death penalty is cruel, unusual punishment and should be illegal. Yet many people argue that it is in fact justifiable and it is not cruel and unusual. Capital punishment is not cruel and unusual; the death penaltyRead MoreThe First Death Penalty Law1104 Words   |  5 PagesThe first death penalty law was established in the Eighteenth Century B.C.E.. Back then it was the punishment for twenty-five different crimes. Death sentences were carried out by drowning, impalement, burning alive, crucifixion, and beating to death. On e of the first recorded death sentences occurred in Sixteenth Century B.C.E.. A man in Egypt was accused of magic and was executed by an ax. The execution of Jesus Christ is the most infamous in history. It occurred outside of Jerusalem proximatelyRead MoreAnalysis of Kant ´s Ethnics, Punishment, and Dealth Penalty Essay1585 Words   |  7 PagesDeath penalty means sentencing the convicted to execution as carried out by the state and the judicial system. Set it in stone that the definition of death penalty is much more deeper than this. The argument of the death penalty is something that might not see an end anytime soon. It is deemed controversial because at stake is the life of an individual,his values, his morals, and dignity. Whether he still obtains morals and dignity is in the eye of the beholder but nonetheless should be taken intoRead More Against the Death Penalty Essay731 Words   |  3 Pagesthe death penalty is the worst of them. I am strongly against the death penal ty because it violates God’s rules, costs the tax payers too much money, and possibly the â€Å"wrongly accused,† may have to die because of the cruel and unusual punishment of the death penalty. How often do these concepts get into the public’s mind when it hears of our ‘fair, trusty’ government taking away someone’s breathing rights? Do we honestly want people thinking of us as murderers? I am against having the death penaltyRead More The Benefits of Capital Punishment Essay1044 Words   |  5 PagesBenefits of Capital Punishment Justice is about enforcing consequences for one’s own actions to endorse personal responsibility and the notion of capital punishment does just that. Capital punishment is an effective and efficient method of deterring would be criminals and preventing criminals to commit more crimes. It is by far the oldest form of punishment in the world and remains in effect in many nations. Through discussing many arguments in support of capital punishment it is obvious whyRead More Capital Punishment Is Necessary1130 Words   |  5 Pages500,000 murderers, convicted and undetected, are living in America today† (Death Penalty 55). Keeping the death penalty upheld and established in all states would greatly decrease that number. Something must be done to keep citizens safe and to keep the murder rates low. Capital Punishment is a rightly justified penalty because it is moral retribution, constitutional, and it deters crime. One reason that Capital Punishment is just is the idea that it is moral retribution to the murderer. AccordingRead MoreCapital Punishment Should Not Be Abolished901 Words   |  4 PagesThe first death sentence was recorded in the United States was in 1608, and the person who was executed by firing squad was Captain George Kendall for allegedly being a spy for the Spanish government (â€Å"Capital Punishment in the United States†). Capital punishment is being debated all over the world whether it is murder or justice for the crime they have committed. Statistics show that murderers often kill again after releasement from prison. The Bureau of Justice gives relevant statistics pertaining

Hawthorne Essay Example For Students

Hawthorne Essay The jurisdiction of the federal courts is defined in Article III, Section 2, of the Constitution, as extending in law and equity to all cases arising under the Constitution and federal legislation; to controversies to which the U.S. shall be a party, including those arising from treaties with other governments; to admiralty and maritime cases; to controversies between states; to controversies between a state, or its citizens, and foreign governments or their subjects; and to controversies between the citizens of one state and citizens of another state. The federal courts were also originally invested with jurisdiction over controversies between citizens of one state and the government of another state; the 11th Amendment (ratified February 7, 1795), however, removed from federal jurisdiction those cases in which the citizens of one state were plaintiffs and the government of another state was the defendant. The amendment did not disturb the jurisdiction of the federal courts in cases in which a state government is a plaintiff and a citizen of another state, the defendant. Federal courts have exclusive jurisdiction in patent and copyright cases; and by congressional enactment in 1898, federal courts were vested with original jurisdiction in bankruptcy cases. The courts established under the powers granted by Article III, Sections 1 and 2, of the Constitution are known as constitutional courts. Judges of constitutional courts are appointed for life by the president with the approval of the Senate. These courts are the district courts, tribunals of general original jurisdiction; the courts of appeals (before 1948, circuit courts of appeals), exercising appellate jurisdiction over the district courts; and the Supreme Court. A district court functions in each of the more than 90 federal judicial districts and in the District of Columbia. A court of appeals functions in each of the 11 federal judicial circuits and in the District of Columbia; there is also a more specialized court with nationwide jurisdiction known as the court of appeals for the federal circuit. The federal district court and the court of appeals of the District of Columbia perform functions discharged in the states by state courts. All lower federal courts operate under uni form rules of procedure promulgated by the Supreme Court. The Supreme Court is the highest appellate tribunal in the country and is a court of original jurisdiction according to the Constitution in all cases affecting Ambassadors, other public ministers and Consuls, and those in which a State shall be a Party. By virtue of its power of review, the Supreme Court is also the final judicial arbiter of federal constitutional questions and of the scope of federal statutes. Other federal courts, established by Congress under powers held to be implied in other articles of the Constitution, are called legislative courts. These are the Claims Court, the Court of International Trade, the Tax Court, and the territorial courts established in the federally administered territories of the U.S. The special jurisdictions of these courts are defined by the U.S. Congress. Except in the case of the territorial courts, which are courts of general jurisdiction, the special jurisdictions of these courts are suggested by their titles. State Courts Each state has an independent system of courts operating under the constitution and laws of the state. Broadly speaking, the state courts are based on the English judicial system as it existed in colonial times, but as modified by statutory enactments; the character and names of the courts differ from state to state. The state courts as a whole have general jurisdiction, except in cases in which exclusive jurisdiction has been vested in the federal courts. In cases involving the federal Constitution or federal laws or treaties, the state courts are governed by the decisions of the Supreme Court and their decisions are subject to review by that Court. .ud227919bc7fa2cbced42e7da8cf789a9 , .ud227919bc7fa2cbced42e7da8cf789a9 .postImageUrl , .ud227919bc7fa2cbced42e7da8cf789a9 .centered-text-area { min-height: 80px; position: relative; } .ud227919bc7fa2cbced42e7da8cf789a9 , .ud227919bc7fa2cbced42e7da8cf789a9:hover , .ud227919bc7fa2cbced42e7da8cf789a9:visited , .ud227919bc7fa2cbced42e7da8cf789a9:active { border:0!important; } .ud227919bc7fa2cbced42e7da8cf789a9 .clearfix:after { content: ""; display: table; clear: both; } .ud227919bc7fa2cbced42e7da8cf789a9 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ud227919bc7fa2cbced42e7da8cf789a9:active , .ud227919bc7fa2cbced42e7da8cf789a9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ud227919bc7fa2cbced42e7da8cf789a9 .centered-text-area { width: 100%; position: relative ; } .ud227919bc7fa2cbced42e7da8cf789a9 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ud227919bc7fa2cbced42e7da8cf789a9 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ud227919bc7fa2cbced42e7da8cf789a9 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ud227919bc7fa2cbced42e7da8cf789a9:hover .ctaButton { background-color: #34495E!important; } .ud227919bc7fa2cbced42e7da8cf789a9 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ud227919bc7fa2cbced42e7da8cf789a9 .ud227919bc7fa2cbced42e7da8cf789a9-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ud227919bc7fa2cbced42e7da8cf789a9:after { content: ""; display: block; clear: both; } READ: The Effects of Violence in Media on Society Today Essay SummaryCases involving the federal Constitution, federal laws, or treaties may be brought to either the state courts or the federal courts. Ordinary civil suits not involving any of those elements can be brought only to the state courts, except in cases of diversity of citizenship between the parties, in which event the suit may be brought to a federal court. By act of Congress, however, suits involving federal questions or diversity of citizenship may be brought to the federal courts only when the controversy involves $10,000 or more, so that all such cases involving a smaller amount must be brought to the state cour ts exclusively. In accordance with a congressional enactment, a suit brought to a state court that could have been brought to a federal court may be removed to the federal court at the option of the defendant. Bearing in mind that any statement about state courts purporting to give a typical description of them is subject to numerous exceptions, the following information may be taken as general comprehensive statements of their jurisdictions and organization. County courts of general original jurisdiction exercise both law and equity jurisdictions in most of the states; a few states maintain the system of separate courts of law and equity inherited from the English judicial system. Most states also maintain separate criminal and civil courts of original jurisdiction. In some states, the same courts of original jurisdiction deal with both civil and criminal cases; these courts usually have two levels, one handling misdemeanors and civil claims under $5000, the other handling felonies and civil claims over $5000. Between the lower courts and the supreme appellate courts, in a number of states, are intermediate appellate courts which, like the federal courts of appeals, provide speedier justice for litigants by disposing of a large number of cases that otherwise would be added to the overcrowded calendars of the higher courts. Courts of last resort, the highest appellate tribunals of the states in criminal and civil cases and in law and equity, are generally called supreme courts. In New York state, however, the Supreme Court is a trial court; the highest appellate court of New York, as well as of Maryland, is called the Court of Appeals. The state court systems also include a number of minor courts with limited jurisdiction. These courts dispose of minor offenses and relatively small civil actions. Included in this classification are police and municipal courts in cities and larger towns and the courts presided over by justices of the peace in rural areas. Words/ Pages : 1,043 / 24

Writing a Dialogue in Fiction

Writing a Dialogue in Fiction Good dialogue is a half of the success when you write a novel, so it is extremely important to make them well-written, memorable, and expressive. We have prepared a range of useful tips and pieces of advice on how to create an individual and bright characters through dialogues. Do not Use Too Many â€Å"He Says† and Their Synonyms There is no need to write â€Å"he says† or anything alike after each line in a dialogue. So, omit these phrases every time it is possible. The dialogue without those markers is more realistic and true to life. Though, you should use â€Å"he says† and its synonyms when it is hard to understand which character is speaking. Otherwise, readers can get confused. Do not Use Complete Sentences All the Time In real life, we do not converse with complete sentences, so you should not use them in fictional dialogues unless this is the way of characterization of a personage. Use an ellipsis to make conversations more natural. Make Character Speech Match the Situation The form and style of dialogue should be appropriate to the situation in which the conversation is set. Thus if the dialogue is between a strict boss and his assistant, you cannot use familiar lexis, slang or vulgarisms, and vice versa avoid too formal style in a conversation between friends or lovers. Make Your Characters Individual People can be distinguished by their manner of speaking, and this feature should be transferred into fiction. Readers should be able to distinguish personages by how and what they tell. You can use a dialect, deliberate grammar or spelling mistakes, vocabulary of a certain style, jargon, and other devices for that purpose. Use Shorten Forms If you are to write an informal dialogue, use shortened forms. E.g. â€Å"hadn’t† instead of â€Å"had not†, â€Å"he’ll† instead of â€Å"he will† etc. What is more, read aloud such conversation to make sure that they sound in a natural way. Direct Answers to Questions Are Not Always Appropriate Avoid direct answers to direct questions. People usually do not answer if the question is inconvenient, and your personages should do the same. They can try to change the subject instead. Do not Use Italics If you need to write a dialogue that is full of emotions, it is much better to use words with emotional connotations than Italics. It is also possible to use exclamation marks, but do not overuse them as well. Do Not Turn Dialogue into Monologue Dialogue is the exchange of phrases in turns. Sometimes a writer wants his or her character to say a lot in one phase, and the exchange in turns converts into a long monologic speech of one personage. To avoid that, make sure that one phrase in a dialogue is no longer than three-four lines. If it is longer, reduce it! Avoid Too Much Information Do not try to convey information through dialogues, as it makes them artificial and unrealistic. Introduce first or third person narrator and let him or her develop the plot and provide essential information to readers. The narrator is also useful when you want to express views on a situation, share some philosophical thoughts, or present ideas. Do not Address Characters by Name to Often You can mention the character’s name at the beginning of the conversation, but do not mention it throughout the whole dialogue.