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This is DFRS 2007 Video Clips. Duration : 15.77 Mins.What Are A mother And Father's ownership In California, When You Are Not Married?
Attorney General Child Support Interactive - What Are A mother And Father's ownership In California, When You Are Not Married?
Hello everybody. Now, I learned all about Attorney General Child Support Interactive - What Are A mother And Father's ownership In California, When You Are Not Married?. Which could be very helpful in my experience and also you. What Are A mother And Father's ownership In California, When You Are Not Married?In modern times many couples have children when they are not married. Problems can arise with respect to Child Custody, Visitation, and Child maintain when these couples break off the relationship.
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In a perfect world the mum and the father are amicable in such a situation, and do what is in the child or children's best interest. However, it is much safer, and extremely recommended, that you secure Court orders with respect to custody, visitation, and maintain issues, so that the mum and father each know their respective proprietary and obligations, and so that there are no ambiguities regarding the same.
This narrative will discuss the issue of children who are born out of wedlock from both the mum and the father's prospective to give you a general understanding of the law in California regarding children born out of wedlock.
The Mother's Prospective
The mum of a child that is born out of wedlock has a unique advantage in that she does not regularly have to prove that the child is hers. If hospital records indicate that a female has given birth to a child, and the birth certificate that is issued upon the birth of a child indicates that the female gave birth to the child, than there is regularly no issue with the mum showing that she is the paternal mother.
The mum of a child born out of wedlock will automatically be entitled to full custody of a child absent a Court order indicating otherwise.
She may give the father visitation if she so chooses, or she can deny visitation to the father absent a Court order.
All minor children in California have a right to receive child maintain pursuant to a statutory guideline. (The subject of Child maintain will be covered in a forthcoming isolate article). If the mum of a child who is born out of wedlock wants to secure child maintain from the father, she will have to file and serve a petition to create Parentage on the father, and an Order to Show Cause for child maintain with the proper Court.
If the mum is on welfare or Aid to Families with Dependent Children, the District Attorney in the county in which the mum resides will ordinarily aid in this process so that the County gets reimbursed for the aid that is being provided to the mum by the County.
If a father voluntarily accepts paternity, than the Court will settle each party's proprietary to custody, visitation, and child maintain based upon the facts in the case. If the father denies that he is the father, he may invite that a Dna test be done to settle whether he is the father. Once this process is completed than the Court will settle each party's rights.
If a mum is not sure who the real father of a child is, she will have to file a petition to create Parentage on each possible father.
The Court will ordinarily allow the father visitation or custody proprietary to the child unless it can be shown that it is not in the best interest of the child for the father to have such rights.
The Father's Prospective
The father of a child born out of wedlock has no proprietary to Custody, Visitation, or Child maintain unless they secure a Court order for the same.
If a father wants to have proprietary to custody, visitation, or child maintain for a child born out of wedlock, the will have to file a petition to create Parentage, and an Order to Show Cause for Custody, Visitation, and/or Support.
The mum of the child may or may not agree that the father is the true father of the child. whether party may invite that a Dna test be done to prove whether or not the father is the paternal father of a child.
Once the Court determines paternity, the Court will than look at many factors with respect to proprietary to Custody, Visitation, and Support.
The Court will ordinarily allow the father visitation or custody proprietary to the child unless it can be shown that it is not in the best interest of the child for the father to have such rights.
The mum and Father's Prospective as a Whole
The Court will all the time try to settle what is in the children's best interest when determining who will have Custody and Visitation proprietary to a child or children. This can be a long and expensive process if litigated. It is recommended that a mum and Father try to informally work out a Custody and Visitation plan for a child or children, and then get a Court Order which reflects the deal of the mum and father.
If you cannot informally work it out than the Court will settle the issue for you.
Support of the child or children will be considered by the Court using a statutory formula which is based on both parties income, the ration of time each man has with the child or children, and other factors.
It is all the time recommended that you maintain a lawyer in these types of cases. Only a fool has herself or himself for a client.
You can check out our family law website at http://www.divorce-legal.net for more general family law information.
© 2007
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First Convenience Bank - group protection Direct Deposit - 5 Things You Need to Know
Good afternoon. Yesterday, I learned about First Convenience Bank - group protection Direct Deposit - 5 Things You Need to Know. Which is very helpful in my opinion so you. group protection Direct Deposit - 5 Things You Need to KnowIn this record about social security Direct Deposit I cover the five most asked questions.
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1. Do you have to receive your payments by direct deposit?
2. When will my benefits be deposited?
3. Why not just receive a check in the mail?
4. How can I sign up for direct deposit?
5. What can I do if I don't have a bank list and don't want one for direct deposit of my payment?
1. Do you have to receive your payments by direct deposit?
The short answer is No! The social security supervision strongly suggests every person get their monthly payments this way. The three main reasons given for using this service are safety, convenience and speed. There is also a financial benefit to the government. It costs approximately one dollar each month to send a paper check but only a few cents to send the payment electronically. At last count in January 2007, 80 percent of all social security and Ssi beneficiaries had their payments delivered directly to their bank account. You are still able to get your payment by check, but you ought to think about the numerous benefits direct deposit provides.
2. When will my benefits be deposited?
The payments of benefits have long been fixed and are carefully by the day of the month of your birth. Payments for all those receiving social security before May 1977 are made on the third of each month regardless of when you were born. After May 1977, the payment dates were changed and from that point on are carefully as follows. For every person receiving benefits after April 1997 this is the schedule. If you were born on or between the 1st and 10th your payment is sent on the second Wednesday of the month. Payments for those born on or between the 11th and 20th are sent on the third Wednesday. Payments for those born on or between the 20th and 31st days of the month are sent on the fourth Wednesday.
3. Why not just receive a check in the mail?
There are some good theorize to receive your payment by direct deposit. Don't you just hate waiting in a line? I know that I do and long lines make my feet hurt.
Celebrate! No more standing in line to cash your check when it finally arrives in the mail. Your money goes immediately into your account. You do not have to get out of your house in bad weather or be concerned if you're on holiday or away from home. You do not have to bear any more check cashing fees. Your money is in your list ready to use the day you receive your deposit.
4. How can I sign up for direct deposit?
It's de facto fairly easy to get signed up if you already have a bank account. Just go to your bank, savings and loan or credit union. They can answer your questions about direct deposit.
If you do not have an account, look into chance one and sign up for direct deposit. Nearly all banks, savings and loans and credit unions supply an assortment of accounts, some with exiguous or no fees. Look for one that meets your needs.
5. What can I do if I don't have a bank list and don't want one for direct deposit of my payment?
There are several options open to habitancy without bank accounts but the one that is promoted by the Federal government is called Direct Express. In June of 2008, the U.S. Treasury division introduced the Direct Express Debit Mastercard card. This a direct quote from the Treasury Departments' website at http://fms.treas.gov. [quote]People without bank accounts now have a user-friendly, practical alternative to paper checks for their monthly federal benefit payments," said Fms Commissioner Judith Tillman. "We know that many check recipients are eager for a card-based choice for their federal benefits, and we are sure the Direct Express® card will supply many Americans an prominent entry point to the financial mainstream.[end quote]
Check cashing and other services typically payment heavy fees and the Direct Express card puts an end to that problem. With Direct Express, there is no sign up fee and no bank list or credit check required to enroll. The U.S. division of the Treasury and the social security supervision encourage you to sign up for the card and you can learn more about this here. Http://www.usdirectexpress.com/edcfdtclient/index.html.
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First Convenience Bank - nautical Frauds
Good evening. Now, I discovered First Convenience Bank - nautical Frauds. Which may be very helpful in my opinion therefore you. nautical FraudsWhat is a fraud? An international trade transaction involves several parties-exporter, importer, ship-owner, charterer, ship's master, officers and crew, insurer, banker, broker or agent, freight forwarder. Maritime fraud occurs when one of these parties unjustly takes another's goods or money. In some cases, several of these parties act in collusion to defraud another. Banks and insurers are often the victims of such frauds.
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The sinking of an over-insured vessel carrying a high valued non-existent cargo has been encountered at regular intervals. During periods of economic and political upheaval and depression in the shipping business, there have been incidents of unusual losses. In the last few years, these and other factors have led to a essential escalation in the whole of incidents that can be termed as 'maritime frauds'.
Types of Fraud
Maritime fraud has many guises and it methods are open to infinite variations. Majority of these crimes can be classified into four categories as under:
o Scuttling of ships
o Documentary frauds
o Cargo Thefts
o Fraud connected to the chartering of vessels
Scuttling of Ships
Also known as 'rust bucket' frauds, this involves deliberate sinking of vessels in pursuance of fraud against both cargo and hull interests. With occasional exceptions, these crimes are committed by ship-owners in a situation where a vessel is approaching or has the end of its economic life, taking into list the age of the vessel, its health and the prevailing freight market. The crime can be aimed at hull insurers alone or against both hull and cargo interests.
For example, a dishonest shower may coming am exporter and offer to carry his next large cargo shipment on his vessel. The exporter is to dispose the compact and the proposed buyer to open a letter of reputation in his favor to pay for them. No goods are for real to be supplied or shipped, but the ship-owner agrees to provide bills of lading to show that the goods have been loaded on the vessel. The bills of lading together with such other documents as are required are presented to the bank negotiating the letter of credit. The banker pays against documents and not against goods. After ascertaining that the cargo narrative corresponds to the requirements as stipulated in the L/C, the bank, in the general procedure of events, releases the funds under the terms of the L/C.
The ship, without it is by now paid for, but non-existent cargo, leaves port. It should not of procedure reach its destination, because should it do so, the missing cargo would lead immediately to the discovery of the fraud. To avoid this eventually, the ship is deliberately scuttled in a favorable location, so as to take off the evidence of the non-existent shipment beyond any hope of subsequent investigation.
The ship-owner enters an assurance claim on his hull underwriters and he also receives a share of the proceeds from the letter of reputation from exporter, leaving the hapless buyer to pursue an assurance claim for loss/non-delivery of his cargo.
Documentary Frauds
This type of fraud involves the sale and purchase of goods o documentary reputation terms and some or all of the documents specified by the buyer to be presented by the jobber to the bank in order to receive payment, are forged. Bankers pay against documents. The forged documents exertion to cover up the fact that the goods for real do not exist or that they are not of the potential ordered by the buyer. When the unfortunate purchaser of the goods belatedly realizes that no goods are arriving, he starts checking, only to find that the alleged carrying vessels whether does not exist or was loading at some other port at the relevant time.
Banks deal with documents and not in the goods covered by them. A bank which accepts under a letter of reputation a set of documents which appear to be regular on their face, is not liable to its essential if the documents turn out to be forged or to consist of false statements. Thus a confirming bank is entitled to acquire refund against such documents from the issuing bank and the issuing bank is entitled to acquire cost against them from the buyer. Thus the loss is normally borne by the buyer.
It is for real to discourage the activities of fraudsters relating to export cargoes that Gic evolved the ship approval system. This has been extended to full load import cargo also. The vessels normally employed by fraudsters are:
-Vessels flying a flag of convenience
-Vessels over 15 or 20 years of age
-Usually small sized ships of 7000 to 10000 Grt
-Vessels having changed their names and owners a few months before the last voyage.
Cargo Thefts
There are several variations in the modus operandi of cargo thefts. In a typical example, the vessel, having loaded a cargo, deviates from its route and puts it into a port of convenience. Such ports are Tripoli, Beitut, Almina, Jouneih, Ras Salaata and others along the coasts of Greece, Lebanon and Suria. The cargo may be discharges and sole on the quayside or in a more sophisticated manner. Such an act is often accompanied by c a changed of the vessel's name or a subsequent scuttling in order to hide the evidence of theft. The whole process of investigation is proved difficult as by the time the loss is known the cargo disappears and the actual recovery of goods is unlikely. The owners of these ships are "paper companies" set up a few days prior to the operation.
Fraud connected to Chartering of vessels
This is also known as Charter-part fraud". Establishing a chartering firm required a modest introductory financial commitment and is normally field to little regulation. In depressed conditions of shipping market, there is no have question on tonnage and owners anxious to avoid laying up their vessels are tempted to lease them to unknown clubs without demanding any titanic financial certify for the execution of the lease contract.
The fraudulent chartered can turn this situation to his advantage. Having chartered a vessel from an unsuspecting owner, the chartered canvasses for cargo, knowing that in a depressed economy, shippers will be willing to cut corners in the hope of reducing transport costs and thus recovery on freight so that their goods can be more attractively priced the charterer offers low freight rates on pre-paid basis. He can afford to do that, as he has no intention of completing the voyage.
Soon, after the vessel sails from the port, the chartered disappears. He may have paid his first month's hire or he might not have paid any hire charges as are due from him. Meanwhile the ship-owner may find himself with titanic bills to meet from port authorities along with the ship's route as well as for crew's wages and for provisioning the ship. Worse, the ship owner may find that his ship, not having delivered the cargo to the consignees, has been arrested and this leads to protracted and high-priced legal wrangle.
In order to get their goods to destination, shippers may agree to pay a freight surcharges or they will agree to a diversion and a sale of the goods to cover costs and then state the export process all over again. Sometimes, when no such compromise can be reached, the ship owner will instruct the master to divert his ship and sell the cargo wherever he can, and this become as much of a criminal as the charterer.
Precautionary Measures for Fraud Prevention
There are inescapable basic precautions against Maritime fraud that commercial interests, like exporter and importers, banks and assurance companies, should be aware of and should be able to implement.
Exporters and Importers
The checks and precautions that buys and sellers can implement are:
o Care should be exercised when dealing for the first time with unknown parties. Careful inquiries should be made as to their standing and integrity before entering into a binding agreement.
o Shipment should be by well-established shipping lines. In India, vessels stylish by Gic should be preferred.
o The cargo owners should be wary:
- If the freight rate is too attractive
- If the ship owner owns one vessel only9'singleton')
- If the vessel is over 15 years of age.
- If the vessel has passed through discrete owners.
o Payment by irrevocable documentary credit, confirmed by a bank in seller's country, provides the best safeguard to the seller. Should the jobber have any doubt about the authenticity of the documentary credit, he should immediately consult his bank before parting with the goods.
o As far as the buyer is concerned, he should ensure that he receives the documents he has stipulated in his documentary reputation application.
o As far as the buyer is concerned, he should ensure that he receives the documents he has stipulated in his documentary reputation application. Therefore, the buyer must think thought about which documents he requires. For example, an independent "loading certificate" would add significantly to his protection as would detailed instructions on which shipping line or forwarding agent is to be used. The inspection of cargo should be as close to the time of loading on board as possible.
o In order to ensure that the field cargo is in fact loaded on the specified carrying vessel, the buyer may stipulate for a "report on the vessel" from an independent third party.
o Conference or national lines bills of lading should be used and marked "freight prepaid" with the whole of freight clearly stated in the bill of lading.
o Services of dependable and familiar forwarding agents, who are also members of a national association, should be engaged.
o Buyers and sellers should exertion to recognize whether the carrying vessel is on lease and who the chatterers and owners are and whether chartering is done only through agents or reputable institutions.
Banks
Banks should take following precautions against Maritime fraud.
o Bankers should make us of Lloyd's shipping index. Leading points to check with regard to the carrying vessel are ownership, age, size and importantly the position of the vessel at the time the bill of lading was dated. o If such checks are thought about difficult for a bank because of the volume of work involved, then perhaps a 'super-service' at added cost to the customers should be thought about with the actual checks being carried out by surface agent or brokers retained at an annual fee. o Methods should be examined of enhancing documentary reputation operations by the application of computerized and modern firm methods.
Insurers
Insurers should take the following precautions against Maritime fraud.
o Where the name of the carrying vessel is not known at the point when assurance is effected, the assurance is made field to the invent Classification Clause and the requirement that the vessel carrying the goods conforms to the provisions of the clause. o The assured is required to enunciate to the insurers the name of the carrying vessel as soon as it is known. When the carrying vessels comply with the requirements of the classifications clause, acceptable rate superior is charged. Otherwise, extra superior is attracted for over-age, under-tonnage, non-classification and Foc registration of a vessel. o In India, the exporter is encouraged to use vessels "approved by Gic" to carry the export cargo. This ideas also applies to import cargo when the carrying vessel is bringing a full load of import cargo to India as also to imports on vessels from Singapore, Malaysia and Far East (excluding Japan, Mainland China).
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First Convenience Bank - business Requirements - What Is The variation between Good And Bad?
Good morning. Today, I learned all about First Convenience Bank - business Requirements - What Is The variation between Good And Bad?. Which may be very helpful to me and also you. business Requirements - What Is The variation between Good And Bad?What is a 'Good' Requirement?
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Many customers have asked us to give them examples of 'good' business requirements. Some of the braver have even asked for 'bad' requirements for comparison. Presumably the bravest by far are those who have presented us with samples of their requirements and requested an evaluation of the 'quality' of the requirements. After much hair pulling, brain thrashing, and pouring ashes on our heads, we have decided to advent this topic head-on (don't even get me started with that ad!). Since the topic is, any way rather humongous (i.e., too big to think in a particular article), we have decided to break it down.
'Good', Albeit Young and teenage Requirements
First off, we need to point out that the 'goodness' of a business requirement depends on where it is in its evolution. For convenience's sake, we divide the requirements estimation process into three major stages, 'Capturing', 'Clarifying', and 'Confirming'.
Our basic doctrine is that business requirements may exist in the wilds of corporate America, we don't know for sure. The intuit we don't know is that we can't tell whether something is a requirement or not until we have captured them. What we as business analysts (a.k.a. Those responsible for capturing business requirements) need to do first is plan the hunt. We need to study requirements in their natural habitat to try to learn as much about them as we can. Whatever we can learn about their habits, their behaviors and their preferences will aid us in the upcoming hunt to ensure that we can snare as many of them as potential in the time allotted. 'Capturing' it is all about getting the requirement any which way you can - straight through interviewing, observation, analysis, blue-skying, brainstorming, brainwashing, butt-kicking, or whatever-works-for-you.
In this formative stage of its life, a 'good' requirement is a statement that:
starts with the words 'I (or We, or Our Department, or My people, or a definite role) need (or don't need or want or don't want or should or should not or will or will not)' Or it defines some dimension of a definite component of the time to come solution;
names a particular component/feature/behavior/state that whoever has the authority in the business community to make the decision decides is an outcome of the task worth funding;
focuses on the business outcome, not the technology to be used; and
can be traced back to the personel with the authority to 'own' and 'fund' this requirement.
A concentrate of Fine (Ionsho - in our not-so-humble opinion) Examples:
Sales needs to be able to see which contracts will be expiring within the upcoming 90 days.
I want the theory to automatically intuit sales taxes based on relevant sales tax laws.
The website visitor won't need to click more than once to get to the order page from any other page on the site.
We need to be able to reply to a code red incident everywhere on the planet within 24 hours.
The sales tax will be localized by the zip code of the ship-to address.
On Clarifying Requirements
Requirements explication is categorically all about making sure that more than one someone (i.e., the author) fully understands what the requirement means. Requirements are, after all, a means of communication, so unless both the creator and the reader of the requirement agree on what it categorically means, it can not call itself a clear requirement.
Just as a good for instance, let's take the first requirement from the set above:
"Sales needs to be able to see which contracts will be expiring within the upcoming 90 days."
Makes perfect sense to me, after all, I wrote it. What does it mean to the developers (whether they are sitting in a third world country or a cube next to me, whether or not they speak English as their native tongue, and whether or not they share a cultural background with me)? What kinds of questions could those developers have?
An rehearsal in Clarity
As an rehearsal in your analytic abilities, you might at this point want to take two minutes to see how many questions you can think of that you would like answered to make sure that you understand my intent and not just your interpretation of my words. whether you write them down or not, count them. In this case, quantity counts.
All right, here is my two-minute list:
Who or what are "Sales"? What can they do? What will they do with Whatever I give them? What does "to see" mean? Do they need the bodily contracts or just a list? What constitutes a contract? What makes a contract "expire" and why do they care? Upcoming 90 days? beginning from when? Does this view turn day-by-day or weekly or monthly or hourly or what? Come to think of it, what constitutes a day in this context, 24 hours (a day in a particular location) or the global day (and is that 47 hours or how does that work, anyway)?
Ok, those are the first 6 (or any way many you want to count) questions that hit my feeble mind, but remember, I am the author! You can probably do much good because you look at the world from your perspective. All of this indicates that, although the requirement was clear to me when I wrote it, it may just have some subjectivity that needs to be resolved lest it lead us to produce the wrong solution.
When Does It Ever Stop?
Let's think what we just did. We took one sentence and created a bunch of questions that will lead to who knows how many more sentences, each of which will consist of terms that need clarification. Sounds like a excellent example of prognosis numbness to me. How does it end, when do we finally know adequate to stop dithering around and start developing the solution?
Great question! Actually, quite maybe The request for business analysts everywhere. The most costly reply is, of course, to build the explication and then see whether or not you understood the requirements correctly (which could have a negative impact on your chances for a work in business analysis).
The best reply our business has come up with to date is the old Chinese quote, "A photo is worth a thousand words". In other words, draw a diagram or originate a prototype of what you think works and test your understanding of it. If you and your counterparts (Subject Matter Experts, a.k.a. Smes on the one side and the developers on the other) are versed in modeling techniques, a good rehearsal is to have each side draw a quick diagram (process model, data model, swimlane diagram, whatever) of what they understand the requirement to mean and then compare models. Models are, however, not the only method available to you.
Why Do We Not Clarify?
"Why do many of us skip the explication process", you ask? (At least, I think that's what I heard you say in my head.) For starters, many people don't like to ask questions for fear of appearing ignorant. (That's my line -- questions don't show ignorance, they show interest!). Secondly, figuring out what to ask is hard work. (Of course, not as hard as being President, but still.) Even though a request shows interest, some questions at least Sound stupid, so how can you be sure that Your questions are not the unintelligent kind? O.K., how many of you picked up on the preposterous use of parenthesis in this paragraph to "clarify" what was meant? Did it construe or confuse? Ahhh, the conundrums we originate by craving clarity.
This mental and that pesky deadline that is looming lead you down the rosy path of, "Well, the field matter expert must mean this, since that is the only thing that makes sense to me"; and another promising task goes kerplunk. There is a good way, there has to be.
The Decomposition Dilemma
Decomposing requirements statements probably has as many different definitions as there are letters in the name of the technique, but our take on it is the simplest (really, it is, trust me). All you need to think about are two things.
People and systems both do things. In our parlance, we call these things functions, activities, or processes. In doing things, both people and systems consume resources (such as data) and they originate new resources (including new data). The traditional purpose of facts technology is to help us do things cheaper, better, faster and remember what we did by keeping track of the related data. Well, since requirements are supposed to define a time to come facts technology, maybe we should just focus what the theory will Do and what it has to Know for starters to see where it leads us.
Functional and Informational Components
In its simple form, decomposing a requirement statement consists of asking three questions, beginning with "What does the requirement state or imply that the theory (or a person) will need to Do?" Since doing Whatever requires some form of action, we are finding for answers in the form of verbs and objects (i.e., "calculate sales tax", "deposit check"). Since the verbs indicate the action, the objects are typically data (or something that we need to have data about).
Once we have a list of all of the things that the theory or the users need to Do, the second request for each item on the list is, "What data does the theory have to Know in order to do that?" Since data is a thing, now we are finding for nouns or noun phrases (i.e., "sales tax", "amount due", issuing bank").
The third request is "Where does that data come from?" and the reply here can only be another function or somewhere covering the theory (i.e., the bank, the customer, the Irs - sorry bout that last one, but it is a valid source as well as a pain in the anatomy)
And So It Goes
O.K., you started out with a simple sentence that defined a time to come feature, state, or behavior of a component of the business theory and now you have a concentrate of long lists of things the theory has to do and things it has to know. The only valuable request left standing is whether you know adequate about each item on the list to reveal to the developers or assemblers of the solution. It might even be a good idea if you also knew how to identify if these things are there and work the way you want them to once the explication is delivered.
Is everything clearer now?
Confirming before Coding
Confirming business requirements is categorically about making sure that the business community and the technical community understand the same thing under the requirements. It is also about ensuring that they both agree on relative priorities within the set of requirements so those requirements that are most foremost to the business community will be addressed first. Prioritization is not something that can be done unless it matters, so we are not going to delve here into the intricacies of this valuable step at this time. Suffice it to say that unless your business requirements are confirmed and prioritized, they are not ready for prime time which, in our philosophy, means "Ready to be Managed". In the end, the manageability, maintainability, and feasibility of your business requirements is what makes the inequity between 'good' and 'bad' business requirements.
May the best requirement win.
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Child Support Interactive - Incontinence Part 1
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Child Support Interactive - Fun And Easy Online Course For Children and Adults to Learn French
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Growing Culturally Welcoming and Validating Programs: Session 1: Laying the Foundation Tube. Duration : 65.93 Mins.Heartland Highways Program 1002
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Heartland Highways Program 1002 Video Clips. Duration : 26.03 Mins.Birthday Love Horoscopes and Love Compatibility
Horoscope - Birthday Love Horoscopes and Love Compatibility
Good afternoon. Yesterday, I discovered Horoscope - Birthday Love Horoscopes and Love Compatibility. Which may be very helpful in my opinion and also you. Birthday Love Horoscopes and Love CompatibilityYou may have heard of birthday love horoscopes and how they influence your love compatibility with your partner in a relationship. So how true is it? Can you genuinely know about a man based on their birthday horoscope sign?
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This is a very enthralling topic that many people have been wondering about. Because if you genuinely can get to know a man genuinely just by their zodiac sign and love horoscope, it makes dating and relationships compatibility much easier, doesn't it?
The good news is, yes, you can tell quite a lot about yourself, your friends, or your romantic partner based on your birthday zodiac sign. After a lot of right explore on over 47 people I personally knew, I realized that horoscopes personality traits are very much true.
Simply try it on your friends loved ones. See how correctly they match the details in their horoscope sign. You will be surprised by the results.
So How Can Birthday Love Horoscopes Help You?
It's easy. When first meet someone, you can ask them about their astrology sign and from that you can guess a lot about them - even before you spend any time knowing them.
Of procedure just like anything else, horoscopes may not be literal, 100% of the time. There are always a few exceptions to any rule. But the general fact is, astrology and horoscopes compatibility works.
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Part 6 - Babbitt by Sinclair Lewis (Chs 29-34) Video Clips. Duration : 139.78 Mins.summary of Bangladesh Garment industry
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Hello everybody. Yesterday, I discovered First Convenience Bank - summary of Bangladesh Garment industry. Which is very helpful if you ask me therefore you. summary of Bangladesh Garment industryAgriculture, as the case in India, has been the backbone of economy and chief source of earnings for the population of Bangladesh, the country made of villages. Government wants to decrease poverty by getting highest productivity from agriculture and perform self-reliance in food production. Apart from agriculture, the country is much involved about the increase of export division. Bangladesh have accelerated and changed her exports substantially from time to time. After Bangladesh came into being, jute and tea were the most export-oriented industries. But with the continual perils of flood, failing jute fibre prices and a considerable decline in world demand, the role of the jute sector to the country's economy has deteriorated (Spinanger, 1986). After that, focus has been shifted to the function of yield sector, especially in garment industry.
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The garment industry of Bangladesh has been the key export agency and a main source of foreign exchange for the last 25 years. At present, the country generates about billion worth of products each year by exporting garment. The industry provides employment to about 3 million workers of whom 90% are women. Two non-market elements have performed a vital function in confirming the garment industry's continual success; these elements are (a) quotas under Multi- Fibre Arrangement1 (Mfa) in the North American market and (b) special market entry to European markets. The whole procedure is strongly associated with the trend of relocation of production.
Displacement of yield in the Garment Industry
The global economy is now controlled by the exchange of yield where firms of developed countries swing their concentration to developing countries. The new representation is centred on a core-periphery law of production, with a comparatively small centre of permanent employees dealing with finance, research and development, technological practice and modernisation and a periphery containing dependent elements of yield procedure. Reducing costs and addition yield are the main causes for this disposition. They have discovered that the simplest way to undercharge is to move yield to a country where labour payment and yield costs are lower. Since developing nations contribute areas that do not enforce costs like environmental degeneration, this practice protects the developed countries against the issues of environment and law. The exchange of yield to Third World has helped the expansion of economy of these nations and also speed up the economy of the developed nations.
Garment industry is controlled by the exchange of production. The globalisation of garment yield started earlier and has extensive more than that of any other factory. The fellowships have transferred their blue-collar yield activities from high-wage areas to low-cost manufacturing regions in industrialising countries. The enhancement of transportation law and networking has played a key role in this development. Export-oriented manufacturing has brought some good returns to the industrialising nations of Asia and Latin America since the 1960s. The first relocation of garment manufacturing took place from North America and Western Europe to Japan in the 1950s and the early 1960s. But during 1965 and 1983, Japan changed its concentration to more lucrative products like cars, stereos and computers and therefore, 400,000 workers were dismissed by Japanese textile and clothing industry. In impact, the second stock exchange of garment manufacturing was from Japan to the Asian Tigers - South Korea, Taiwan, Hong Kong and Singapore in 1970s. But the tendency of exchange of manufacturing did not remain there. The rise in labour payment and activeness of trade unions were in proportion to the enhancement in economies of the Asian Tigers. The industry witnessed a third exchange of manufacturing from 1980s to 1990s; from the Asian Tigers to other developing countries - Philippines, Malaysia, Thailand, Indonesia and China in particular. The 1990s have been led by the final group of exporters including Bangladesh, Srilanka, Pakistan and Vietnam. But China was leader in the current of the relocation as in less than ten years (after 1980s) China emerged from nowhere to become the world's major maker and exporter of clothing.
Bangladesh Garment Sector and Global Chain
The cause of this exchange can be clarified by the wages buildings in the garment industry, all over the world. Apparel labour payment per hour (wages and fringe benefits, Us$) in Usa is 10.12 but it is only 0.30 in Bangladesh. This distinction accelerated the world apparel exports from billion in 1965, with developing nations production up just 14 percent of the total, to 9 billion in 1991, with developing nations contributing 59 percent. In 1991 the whole of workers in the ready-made garment industry of Bangladesh was 582,000 and it grew up to 1,404,000 in 1998. In Usa, however, 1991-figure showed 1,106.0 thousand workers in the apparel sector and in 1998 it turned down to 765. 8 thousand.
The presented information reveals that the tendency of low labour charges is the key suspect for the exchange of garment manufacturing in Bangladesh. The practice initiated in late 1970s when the Asian Tiger nations were in quest of tactics to avoid the export quotas of Western countries. The garment units of Bangladesh are in general relying on the 'tiger' nations for raw materials. Mediators in Asian Tiger nations build an intermediary in the middle of the textile units in their home countries, where the spinning and weaving go on, and the Bangladeshi units where the cloth is cut, sewn, ironed and packed into cartons for export. The same representatives of tiger nations explore the market for Bangladesh in any nations of the North. Large sell trading fellowships placed in the United States and Western Europe give most orders for Bangladeshi garment products. fellowships like Marks and Spencers (Uk) and C&A (the Netherlands) control capital funds, in proportion to which the capital of Bangladeshi owners is patience. Shirts artificial in Bangladesh are sold in developed nations for five to ten times their imported price.
Collaboration of a native underground garment industry, Desh Company, with a Korean company, Daewoo is an important instance of international garment chain that works as one of the grounds of the expansion of garment industry in Bangladesh. Daewoo Corporation of South Korea, as part of its global policies, took interest in Bangladesh when the Chairman, Kim Woo-Choong, offered an aspiring joint investment to the Government of Bangladesh, which included the increase and process of tyre, leather goods, and cement and garment factories. The Desh-Daewoo alliance was decisive in terms of getting into the global apparel markets at considerable juncture, when import reforming was going on in this market following the signing of Mfa in 1974. Daewoo, a South Korean important exporter of garments, was in quest of opportunities in nations, which had hardly used their quotas. Due to the quota restriction for Korea after Mfa, the export of Daewoo became limited. Bangladesh as an Ldc got the occasion to export without any constraint and for this cause Daewoo was involved with the use of Bangladesh for their market. The purpose behind this need was that Bangladesh would rely on Daewoo for importing raw materials and at the same time Daewoo would get the market in Bangladesh. When the Chairman of Daewoo displayed interest in Bangladesh, the country's President put him in touch with chairman of Desh Company, an ex-civil slave who was seeking more entrepreneurial pursuits.
To fulfil this wish, Daewoo signed a collaboration contract with Desh Garment for five years. The contract also incorporated the fields of technical training, buy of machinery and fabric, plant preparation and marketing in return for a definite marketing commission on all exports by Desh during the contract phase. Daewoo also imparted an exhaustive practical training of Desh employees in the working atmosphere of a multinational company. Daewoo keenly helped Desh in buying machinery and fabrics. Some technicians of Daewoo arrived Bangladesh to develop the plant for Desh. The end corollary of the association of Desh-Daewoo was important. In the first six years of its business, i.e. 1980/81-86/87, Desh export value increased at an every year average rate of 90%, reaching more than million in 1986/87.
It is claimed that the Desh-Daewoo alliance is a considerable element for the increase and achievement of Bangladesh's entire garment export industry. After getting associated with Daewoo's brand names and marketing network, overseas buyers went on with buying garments from the corporation heedless of their origin. Out of the occasion trainees most left Desh enterprise at any times to erect their own contentious garment companies, worked as a way of enthralling knowledge all straight through the whole garment sector.
It is considerable to identify the outcomes of the process of enthralling yield from high pay to low pay nations for both developing and developed nations. It is a bare fact that most of the Third World nations are now on the way to industrialisation. In this procedure, workers are working under unfavourable working environment - minimal wages, unhealthy place of work, lack of security, no job guarantee, forced labour etc.
The route of globalisation is full of ups and downs for the developing nations. Relocations of comparatively mobile, blue-collar yield from developed to developing nations, in some circumstances, can have troublesome effects on social life if - in the absence of efficient planning and talks in the middle of international organisations and the government and/or organisations of the host nation - the transferred operation encourages urban-bound relocation and its span of stay is short. Someone else negative corollary is that the rise in employment and/or earnings is not unbelievable to be satisfactorily large and farranging to lessen inequality. In association with the negative results of relocation of manufacturing on employment in developed countries, we realize that in comparatively blue-collar industries, the growing imports from developing nations lead to positive losses in employment. It is held that development of trade with the South was a considerable suspect of the disindustrialisation of employment in the North over past few decades.
After all employees who are constantly working under unfavourable circumstances have to bear the brunt. Work is under-control across the Bangladesh garment sector. Appalling working atmosphere has been brought to light in the Bangladesh garment industry.
A research reveals that 90 percent of the garment employees went straight through illness or disease during the month before the interviews. Headache, anaemia, fever, chest, stomach, eye and ear pain, cough and cold, diarrhoea, dysentery, urinary tract infection and reproductive health problems were more common diseases. The garment factories gave bonus of different diseases to the employees for working. With a view to looking out a link in the middle of these diseases and market threats, health status of employees has been examined before and after advent in the garment work. At the end of examination, it was come out that about 75 percent of the garment workforce had sound health before they entered the garment factory. The reasons of health declines were market threats, unfavourable working environment, and want of staff facilities, inflexible terms and conditions of garment employment, workplace pressure, and low wages. different work-related threats and their influence on health forced employees to leave the job after few months of joining the factory; the average distance of service was only 4 years.
The garment sector is disreputable for fires, which are said to have claimed over 200 lives in the past two years, though exact figures are tough to find. A shocking instance of absence of workplace safety was the fire in November 2000, in which practically 50 workers lost their lives in Narsingdi as exist doors were closed.
From the above pathology of working atmosphere of garment sector, we can state that the working environment of most of the Third World nations, particularly Bangladesh remind us of earlier development of garment industries in the First World nations. The state of employment in many (not necessarily) textiles and clothing units in the developing nations take us back to those set up in the nineteenth century in Europe and North America. The mistreatment of garment employees in the birth duration of the development of Us garment factories reviewed above is more or less same as it seen now in the Bangladesh garment industry. Can we state that garment employees of the Third World nations living in the 21st century? Is it a return of the Sweatshop?
In a way, the Western fellowships are guilty of pitiable working atmosphere in the garment sector. The developed nations want to make more behalf and therefore, force the developing nations to cut down the manufacturing cost. In order to survive in the competition, most of the developing nations select immoral practices. By introducing inflexible terms and conditions in the business, the global economy has left few alternatives for the developing nations.
Right Time to Make a Decision
There are two alternatives to tackle the challenge of the contentious world initiated by the continuous pressure of global garment chain. One can continue to exist in the competition by adopting time-honoured work systems or immoral practices. But it is uncertain how long they can continue to exist. In association with the garment industry of Bangladesh, we can say that this is the right time to corollary a contentious policy, which improves quality. If the Mfa opportunities are eliminated, will it be feasible to keep the competitiveness straight through low-wage-female labour or straight through supplementary drop in female wages? perhaps not. Since the labour charges are so minimal that with such wage, a laborer is not able to say even a family of two members. Improving the efficiency of female workers is the only clarification to increased competition. Proper education and standard training can help perform these positive results. To rule the global market, Bangladesh has to come out of low wage and low yield complicated in the garment industry. Bangladesh can heighten labour yield straight through constant training, use of upgraded technology and good working environment. Bangladesh should plan a strategy intended for promoting skill development, speeding up technology exchange and Improving productivity height of the workers.
Another method is to adopt best law or ethical course. Those companies, which react to heightened competition by stressing quality, rapid retort of the customers, fair practices for labourers should have the most innovative practices. We think that we are now living in the age of competition in producing improved ability over cost-reduction policy. The objective of turn efforts at the workplace has been modified over the time - from production the job humane in the 1960s, to job satisfaction and yield in 1970s, to ability and competitiveness in the 1980s. It is considerable for a enterprise to pursue a contentious procedure that improves quality, flexibility, innovation and customer care. If they rely on low costs by dropping labourers' wages and other services, they will be bereaved of labourers' dedication to work.
Strength
. considerable Qualified/keen to learn workforce ready at low labour charges. The recommended minimum average wages (which comprise Travelling Allowance, House Rent, curative Allowance, Maternity Benefit, Festival Bonus and Overtime Benefit) in the units within the Bangladesh Export Processing Zones (Bepz) are given as below; on the other hand, covering the Bepz the wages are about 40% lower:
. Power at low price
. surely accessible infrastructure like sea road, railroad, river and air communication
. Accessibility of fundamental infrastructure, which is about 3 decade old, in general established by the Korean, Taiwanese and Hong Kong Chinese industrialists.
. Fdi is legally permitted
. Slowly open Economy, particularly in the Export Promotion Zones
. Gsp under Eba (Everything But Arms) for Least developed Country applicable (Duty free to Eu)
. Improved Gsp advantages under Regional Cumulative
. looking forward to Duty Free Excess to Us, talks are on, and appear to be on hopeful track
. investment assured under Foreign underground investment (Promotion and Protection) Act, 1980 which secures all foreign investments in Bangladesh
. Opic's (Overseas underground investment Corporation, Usa) assurance and finance agendas operable
. Bangladesh is a member of Multilateral investment guarantee agency (Miga) under which safety and safety measures are available
. Adjudication service of the International Centre for the settlement of investment Dispute (Icsid) offered
. Excellent Tele-communications network of E-mail, Internet, Fax, Isd, Nwd & Cellular services
. Frailness of currency against dollar and the health will persist to help exporters
. Bank interest@ 7% for financing exports
. Convenience of duty free practice bonded w/house
. Readiness of new units to heighten systems and create infrastructure accordant with product increase and fast reactions to circumstances
Weakness
. Lack of marketing tactics
. The country is deficient in creativity
. Absence of surely on-hand middle management
. A small whole of manufacturing methods
. Low acquiescence: there is an international pressure group to drive the local producers and the government to implement social acquiescence. The Us Gsp may be cancelled and purchasing from Us & Eu may decrease significantly
. M/c advancement is necessary. The machinery required to compare add on a garment or increase competence are missing in most industries.
. Lack of training organizations for market workers, supervisors and managers.
. Autocratic arrival of nearly all the investors
. Fewer process units for textiles and garments
. Sluggish backward or forward blending procedure
. Incompetent ports, entry/exit complicated and loading/unloading takes much time
. Speed money culture
. Time-consuming practice clearance
. Unreliable dependability regarding Delivery/Qa/Product knowledge
. transportation gap created by incomplete knowledge of English
. Field to natural calamities
Opportunity
. Eu is willing to develop industry in a big way as an selection to china particularly for knits, including sweaters
. Bangladesh is included in the Least developed Countries with which Us is committed to heighten export trade
. Sweaters are very economical even with china and is the prospect for Bangladesh
. If skilled technicians are ready to instruct, prearranged garment is an selection because labour and Power cost are inexpensive.
. Foundation garments for Ladies for the Fdi promise is considerable because both, the technicians and extremely developed machinery are considerable for good competence and output
. Japan to be observed, as conventionally they buy handloom textiles, home furniture and garments. This section can be encouraged and extensive with continued expand in quality
Threat
. The exporters have to get ready themselves to harvest the advantages offered by the opportunities.
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