Business Ethics †the Ethical Consideration of Life and Annuity Sales Essay Sample free essay sample

AbstractionThis paper brings to illume the on-going occupation of moral thought when an authorize specialist is offering a real existence rente to a senior. The activity of moral assurance contriving. especially in regard to net incomes boards of trustees made. is non another 1. A gross incomes person’s eagerness and want to run into creation or salary closures can every now and again overrule better judgment and let a counsel to drive a customer to buy a product that is completely inadmissible for them. On the different manus. there are times when the segment data may propose the product is non fit. however, the point of the customer is with the end goal that the product is the best fit of rage. In this paper. we will dissect the two sides of this situation. revealing the restricting positions and the Torahs put in topographic point to direct both the guide and the buyer. IntroductionThe calling of a financial expert can be unrealistically respecting. We will compose a custom article test on Business Ethics †the Ethical Consideration of Life and Annuity Sales Essay Sample or on the other hand any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Helping companions. family unit and customers locate the best way to put their life savings to give the maximal return while at a similar clasp getting ready for future closures and dreams. is exceptionally generous. Similarly as with anything throughout everyday life. by and by. where there are positives. there will other than be negatives. Some portion of what makes the capacity of financial consultant testing. is the aspect of commissionable gross incomes and fitting concern moralss. In numerous occasions. the financial expert simply brings in cash when a product is sold. That can show rather a dilemma for the expert that is worried about doing the best conclusions for the customer while other than providing a salary for oneself. One nation that has gotten across the board going to is that of gross incomes of rente stocks to the senior market. While it is of import that our maturing network is guided appropriately known to mankind of monetary and disaster protection stocks. the pr otection official is doing sure consultants can’t exploit the more seasoned coevals. Definitions The senior market is characterized as anybody 65 and more established. So as to comprehend the test introduced in this particular condition. we should preeminent determine the components in question. Orchestrating to Wikipedia. a rente is an agreement made when a protected gathering. regularly a man. pays a disaster protection organization an individual premium that will consequently be conveyed back to the safeguarded party over clasp. Annuity contracts generally give an ensured appropriation of salary over clasp. until the expire of the individual or people named in the agreement or until a finishing up day of the month. whichever comes first ( Wikipedia. Recovered July 22. 2012 ) . The greater part of rente customers go through this vehicle to move financess and returns without holding to pay capital augmentations income upgrades. Ordinarily. in this manner on in their lives. they take singular amount backdowns rather than using the ensured salary forever trademark. There are two periods characterized for this monetary instrument: the gradual addition time frame ( when installments are paid into the history ) and the annuitization time frame ( when the insurance agency pays out ) . There are IRS constraints sing how cash can be pulled back from a rente. Dispersions might be nonexempt as well as disciplines might be forced. Boards on the offer of a rente are non all around paid by the customer. Ordinarily the insurance agency will pay panels to the monetary counsel. In certain examples. a board of trustees of up to 12 % of the cash contributed is paid out to the operator. As a state of notice. a rente that paid with a 9 % advisory group graduated table. would give a delegate a gross incomes board of trustees of $ 9. 000 when selling a $ 100. 000 Deferred Annuity. The buyer is commonly denied from contacting a lot of their cash for 10 mature ages. Annuities with shorter association convey a lot littler boards of trustees. These advisory groups are subsidized by the expenses charged to the customer ( in a variable or fixed filed rente ) or by the spread in the inclusion rate advertise ( for a fixed rente ) . Annuities other than convey conceded back-end charges that will be pertinent if the financial specialist shuts their agreement be fore the settled upon cut casing. That clasp outline ranges from 1 twelvemonth to each piece long as 20 mature ages. contingent upon the sort of rente and the insurance agency that issues it. The back-end charges are what makes these financial vehicles a worry to shoppers. At the point when come ining the field of monetary administrations. a counselor makes a guarantee to proceed with a fiducial obligation in taking consideration of his/her customers. The term fiducial originates from the Latin fiduciarius. proposing â€Å" ( keeping ) in trust† ; from fides. aiming â€Å"faith† . what's more, fiducia. expecting â€Å"trust† and is a lawful or moral relationship of confirmation or trust between at least two gatherings ( Wikipedia. Recovered July 22. 2012 ) . The standpoint is that a fiducial fortunately takes consideration of cash for another person. In a this kind of relationship. one individual holds the spot of introduction and puts his/her confirmation. great religion. trust and trust in the counselor whose help. exhortation or insurance is looked for in some issue. In a situation, for example, this. great second thoughts requires the fiducial to move consistently for the restrictive advantage and contribution of the 1 who trus ts. Agring to this obligation is holding to the most elevated rule of consideration and extraordinary genuineness to the person to whom is owed the duty. Individual inclusions must non be placed before the customer request. also, a counsel must non gain from his/her place as a fiducial. except if the main assents. The strong point of the senior market With the components characterized. the imprint crowd must be examined. At the point when a guide is pointing the senior market. he should perceive that a senior’s judgment and mental competency may now and then be decreased as well as impeded. There are imprints and indications that will be obvious with the goal that the counsel might be perceptive of any limitations that exist. The moral move for the guide is to recognize those imprints and perceive that the deal could be undermined. especially if the customer is non equipped for doing a monetarily solid assurance. The improvement of moral issues environing gross incomes to seniors The issue of unscrupulous conduct environing rente net incomes to seniors is a longstanding activity. It has been perceived by the National Association of Insurance Commissioners each piece great as the Insurance Commissioner of each area in the U. S. Each state’s division has worked constantly in the course of the last not many decennaries to concoct approaches to fight the activity. As an outcome of these on-going issues. planning and proceeded with guidance requests for licensed operators incorporate a few classs in moralss †numerous explicitly identified with moralss in offering to seniors. One of the central grounds the rente stock itself might be an issue for seniors is that each rente conveys an acquiescence charge. That charge is wherever between 0 to 8 % for any backdowns that surpass the yearly free backdown benefit ( ordinarily 10 % ) . The acquiescence charge ordinarily blurs off in cut. reducing every twelvemonth until it is completely gone. The abdication â€Å"fading period† could last wherever from 0 to 10 mature ages. Customers need to cognize that early or excessive backdowns could chop down the estimation of their history each piece great as chop down generally picking up power. Frequently. considerably more youthful customers are non insightful of the â€Å"tricks† that are connected to rentes. At last. the obligation of obviously elucidating the product lays on the marketing operator. It is something that ought to be unmistakably comprehended by any buyer. The Government’s Involvement in the Problem In 2003. with an end goal to adjust the lifting abuse acknowledged in the gross incomes of rentes. the National Association of Insurance Commissioners ( NAIC ) embraced the new Senior Protection Annuity Transactions Model Regulation ( SPATMR ) . The aim of this activity was to set up rules for insurance agencies and makers ( operators ) in discovering reasonableness models for fixed and variable rentes offered to senior customers. Today these rules are accessible for grouped areas to follow and/or change when making new appropriateness resolution law. The cardinal components of SPATMR incorporate the undermentioned: * The hypothetical record mandate makes rules and processs for makers to follow while doing rente proposals to single seniors ( over age 65 ) who are sing the buy or trade of a fixed or variable rente. * The hypothetical record expects operators to do a reasonable endeavor to get data on a senior’s monetary. income improvement and contributing points. * The hypothe tical record builds up that producers must hold reasonable confirmations for encouraging a rente on the balance of realities unveiled by the shopper. * The hypothetical record builds up processs to supervise and actualize congruity by producers through reappraisal of selling paperss. arrangement and period reviews. ( Annuity 4 Hour Course. Recovered July 22. 2012. ) the greater part of import factor in any reasonableness endeavor and the message of the NAIC is the significance of earning data to draw out the interest before doing any proposal. At a lower limit. this data ought to include: * Income: What is the rente prospect’s current pay? What are his henceforth needs? What different beginnings of pay are available today? Tomorrow? * Liquid Assets: What is the prospect’s proportion of hard cash to troublesome resources? Is it equivalent? Will purchasing a rente contrarily sway his

Tv Manufacturing Industry in India Free Essays

Examination of TV Manufacturing Industry By: Manglesh R. Yadav Table Of Contents: 1. History Of TV in India3 2. We will compose a custom paper test on Television Manufacturing Industry in India or on the other hand any comparable subject just for you Request Now Samsung Electronics3 3. LG Electronics8 4. SONY11 5. Videocon13 6. My View15 7. References17 Television Manufacturers and their development History Of TV in India: Television has been in India for more than 40 years now. During the initial hardly any years the development of TV was saving and the conveyance occurred of for the most part high contrast sets. This was on the grounds that in the early period the individuals used to consider it an extravagance thing without which the life could go on. It is over the most recent 25 years that the TV showcase has gotten pace and is developing quickly. An exceptionally critical year in the approach of media business in India was 1982. This was the point at which the Indian government permitted import of thousands of shading TV sets for the communicate of Asian Games held in New Delhi. After this the genuine blast of TV industry began. Today India is the biggest market for TV sets and furthermore viewership. This, however in general TV industry is the most blasting area among buyer gadgets in India. The fundamental market catch is separated in the middle of Samsung, LG, Sony, Panasonic, and so on. Samsung History: Samsung Electronics is a South Korean association which produces TV and is all inclusive the pioneer in LCD TV segment. For more than 70 years Samsung Electronics has served the world with new advancements. On March 1, 1938, establishing director Byung-Chull Lee began business in Taegu, Korea. Samsung began the creation of its first Black and white TV (model: P-3202) in 1970. In the stage from 1990-99 Samsung thought of part of advancements and they were the primary organization to deliver and gracefully an entire line of computerized TVs. In 2010 Samsung Electronics started mass creating industry’s first 3D TV board. Throughout the years Samsung has won parcel of grants for its TV producing capacities. â€Å"At Samsung, we follow a straightforward business reasoning: to give our ability and innovation to making better items and administrations that contribute than a superior worldwide society†. Vision: The vision for Samsung is â€Å"†Inspire the World, Create the Future. † â€Å"This new vision reflects Samsung Electronics’ responsibility to moving its networks by utilizing Samsung’s three key qualities: â€Å"New Technology,† â€Å"Innovative Products,† and â€Å"Creative Solutions. †and to advancing new an incentive for Samsung’s center systems †Industry, Partners, and Employees. Through these endeavors, Samsung wants to add to a superior world and a more extravagant encounter for all. † Products: Samsung has immense assortment of TV ty pes to choose from: LED TV: The Future Smart TV It has excellent picture quality. The new arrangement in this class has voice and movement control, Face acknowledgment. It additionally has great 3D experience. There are a sum of 31 distinctive TV sets accessible in this classification having a place from arrangement 4 to arrangement 8 and furthermore from 19 crawls to ones over 50 inches. The TV sets additionally extend from 13000 rupees to 273000 rupees. LCD TV: See Richer Colors with Wide Color Enhancers. It has a thin plan and it produces fresh picture quality. The hues in the image appear to spring up as a result of its staggering LCD screen. There an aggregate of 4 unique variations present in this area. This are in arrangement 4 and are available in 22 inches and 32 inches sizes. The TV sets go from 13000 rupees to 28000 rupees. Plasma TV: Ultimate BIG Screen Entertainment. It has staggering structure and picture quality. You get smooth films, high standing out picture quality from movement control and face discovery. The TV set additionally gives web network. There are a sum of 8 distinct variations present in this area. The TV sets arrangement is 4+, 5+, and 8+. The TV is available in 43 inches, 51 inches and 64 inches. The cost ranges from 38000 to 240000. Ultra Slim Fit TV: 40% slimmer 20% lighter 100% sleek The Ultra SlimFit TV consolidates a progressive minimal. These TVs fit in any side of your home and upscale life richly. There are an aggregate of 22 unique variations present in this segment. The TV ranges from 20-29 creeps in size. The expense of these TVs ranges from 8500 to 16000 rupees. Level TV: Technology that observes LIFE. The innovation and style of these TVs are joined for a superior amusement. It’s a TV that suits the financial plan yet doesn't settle on quality and innovation. There are a sum of 14 variations for this area. The TV ranges from 20-29 crawls in size. The expense of these TVs ranges from 7700 to 15000 rupees. Backing: Samsung Electronics gives u a free download of the considerable number of Manuals and required downloads for a TV set. It additionally has an online Help Support framework which encourages the clients to have convenient solution of some know issues. It has a generally excellent system of its help administration which arrives at the clients doorstep on request. It has a decent input framework. Advancements: In broadcast business Samsung has been the pioneer because of its imaginative TV sets and the most recent ones the LED ES8000 and ES7500 arrangement and the Plasma E8000 arrangement in the Indian market has been the new age Smart TV which will stay in the market and improve the portion of the maker until another development is out. The costing of this TV has been kept in minds and has been in the range where in individuals will get out and have a go at getting it for the sheer experience the TV gives. Additionally it is the backer for Chelsea Football Club which makes individuals mindful about the brand. They put out the items at some gigantic presentations so general society would himself be able to come and see the TVs abilities. They have a solid publicizing effort wherein they utilize large superstars and furthermore sign huge singing gatherings. Spot: The items are sold at retail location, immense general stores yet additionally on the web. So the buyer can proceed to get it from an immense system of spots and make him happy with experience he receives in return. LG History: LG Electronics was established in 1958 in those days the name of the organization was Goldstar. It has been first maker of part of gadgets things in Korea. It was the primary maker of radio in 1959. It created the principal cooler of Korea in 1965, First maker of Black White TV in Korea in 1966, First forced air system in 1968, first clothes washer delivered in 1969, first shading TV created in 1977, and so forth. Goldstar changed to LG Electronics in 1995. The main maker for â€Å"40-inch Plasma TV and the world’s first IC set for DTVs created India creation auxiliary (LGEIL) established† in 1997 likewise delivered World’s initial 60 â€Å" plasma TV in 1998. LG has been additionally the primary Company to popularize probably the greatest sizes of plasma TV of 71† in 2004 and 102† in 2005. LG was likewise the first to market the biggest LCD TV of 55† in 2004. In this manner LG has been the pioneer in delivering of new specialized developments in TV producing Industry and has won part of grants for it. Brand Identity: The brand is known for its four essential components : Value, Innovation, People, Passion The word LG in the logo represents itself with no issue , It represents that the buyer of LG is in cozy relationship with LG and you will likewise find that the shading or the surface of LG logo has never showed signs of change as it represents that they need to convey the best to their clients over an extensive stretch of time. Brand Logo: Face: The adapted face represents for the organizations benevolence and simple congeniality. Circle: The circle speaks to the globe and furthermore the mankind, it likewise speaks to the adolescent and what's to come. Shape: The upper end on the privilege is purposefully left clear to make it lopsided which speaks to inventive reasoning. Hues: LG Red for the most part represents kind disposition and furthermore its duty to convey the best to its clients. LG Gray speaks to innovation and unwavering quality. Vision: LG dreams itself to furnish its clients with inventive items and better help while pointing than be in the best 3 organizations on the planet. They additionally hold their way of thinking â€Å" Great Company, Great People† as they feel that lone incredible individuals together can make an extraordinary organization. Items: Plasma TV: It gives extremely sharp pictures which gives the client an encounter of a theater/arena at home. This has 10 distinct variations and every one is a smooth structure to dazzle the purchaser getting it. These TVs are in 42†, 50† and 60† in size. LG Pentouch TV †Touch The Wonder. This variation permits the children and even adults to draw on tremendous wide screen. Level Color TV: The TVs are an ideal mix of good pictures and great sound quality. This class has great mix of thin TVs and furthermore the ones which give great sound and picture quality. The variations in this classification are 33 and are of 14†, 21† and 29†+ in size. HD LCD TV: These are full HD TVs with cutting edge IPS LCD Panels, Smart Energy Saving. The TVs are eco-accommodating in the sense they expend less power yet give great picture quality. These Smart TVs can be associated with outer HDs and motion pictures can be seen. This class has 19 variations and is accessible in 22†, 32† and 42† sizes. 3D TV: These TVs are smart and acceptable in 3D quality. LG Cinema 3D Smart TV implies battery free 3D Glasses, 2D to 3D Conversion a 3 mode enchantment movement remote control together acquiring more comfort watching 3D controlling Smart capacities. It has worked in Wi-Fi framework and heaps of brilliant capacities to utilize. There are 29 variations in this class. The sizes shift from 47† and 55†. Valuing: The evaluating of the TVs in every class is at a level which isn't overwhelming for the pockets of the buyer. The TVs in Flat TV class are

Discuss Disqus

Discuss Disqus Since the MITAdmissions.org blogs began some six or so years ago weve always had open comments on every entry. These blogs arent only a place for admissions officers and current students to share their stories. Its also a place for yall to carry on a conversation with us and amongst yourselves. In the past, the commenting system has been relatively simple. Theres a big open box at the bottom of each entry, with fields for name, email, your comment, and a captcha. It then populates the big long list of comments at the end of the blog. See, e.g., These comments are incredibly simple and clean. Theyve basically allowed people to append notes to each comment. What theyre not terribly well equipped for is the sort of conversation we hope to foster on the blogs. The convention of @replies has entered our blogs by necessity. There is no threading of comments such that a distinct topic or idea can be pursued apart from the general hubbub of the comments. The comments, in other words, are exactly, and only, that: comments, not a conversation. Lots of sites manage to do this, and to do it well. Probably the best known example is Slashdot, which has a robust commenting community. It allows users to tag each others comments, rank them, surface highly ranked posts, bury trolls, and so forth. Of course, we dont use Slash, so we needed to come up with our own solution. We thought about going with Facebooks commenting system, but to me that seemed like a bad choice. It excludes not only those who dont have a Facebook account, but also those who would prefer not to identify themselves via their Facebook account, and even those who might be comfortable identifying themselves here but dont want everything posted on this page to be imported back into Facebook. These are all very real and important privacy concerns. We have a long tradition of hosting and protecting anonymous comments, and having the option for a fully anonymized system for those who preferred it was definitely a prerequisite for whichever solution we chose. So we then approached an ExpressionEngine development company, hoping to invest in our own, custom-made comment system. We described all of the things we wanted, and all of the things we needed. They listened, conferred, and came back to us saying, you know, basically 90% of what you want can be done out of the box with Disqus. Disqus is a commenting platform. Many large sites use their system to handle their comments. It has a bunch of sexy features. They have good support and employ MIT alumni. And, critically, they contain many of the community conversation tools we wanted while preserving the option of anonymous speech. All blog entries before  this one will retain their comments made under the old system. This and future posts will have Disqus. Give it a spin below! We want to make sure that everything is working great, especially with Pi Day coming up next week. We also want to make sure it is as clearly and intuitively navigable as our old site. Let me know what you think, what works and what doesnt, and well tweak things as they come, rapid prototyping in true MIT style. Thanks for continuing the conversation.

Pollution And Why It Is Important For Keeping The...

We will discuss briefly pollution and why it is important to keep the environment clean. The future of our earth depends on us keeping it clean. I will inquire on how people can help and hurt the environment, creating an anchor chart during this time. Direct Instruction - I will ask students if they know what â€Å"oil† is. I will explain that oil is â€Å"petroleum† and that it is in a lot of stuff that we use and are familiar with. At this time I will project a small list I compiled of what oil is used for that the students should be familiar with. Next, I will focus back in by saying oil is one of the biggest industries in the world (â€Å"It makes people and companies a lot of money†). I ask students if they have ever heard about the oil spill in Arkansas (I’m confident most of them will not know about it). I will show students a short video and parade a collect of pictures I found on the internet of the oil spill. After this, I will ask students what they think. Does that look healthy for our environment? How do you think that affected the people and animals that lived there? What are other ways that oil spill had a negative effect on the environment (water, food, children, appearance, plants)? I w ill switch gears and begin to discuss how oil companies are all over the world and they always try to drill for the oil no matter where it is. I will ask the students why that might be a bad thing. Next, we will view the 360 video â€Å"Toxic Tour†, pausing at specific movements to pan aroundShow MoreRelatedEffects Of Plastic Pollution On Our Oceans1593 Words   |  7 PagesFor decades, oceans have been one of the biggest dumpsters used throughout the world. Plastics among other pollutants have affected our oceans and freshwater as well as marine life. Plastic pollution effects not only the ocean and its’ marine life, but humans as well and not just in the United States, but everywhere. Landfills are running into water systems every day, carrying more plastics and trash into all of the oceans. For instance, in the Mediterranean Sea, sewage is untreated and that totalsRead MorePollution Pollution is the contamination of the environment which is a serious problem that1700 Words   |  7 Pages Pollution Pollution is the contamination of the environment which is a serious problem that causes instability, disorder, harm and discomfort to the ecosystem and those who live in it. There are many types of pollution such as water pollution, air pollution, sound pollution, soil pollution etc. Pollution happens every single day and it has now become the way of living. 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Boris Worm, a marine research ecologist and associate professor at Dalhousie University in Canada, and his associates explains that, â€Å"local species richness enhance eco system productivity and

Should Marijuana Be Legalized - 1436 Words

The legalization of marijuana has always been both a social and political issue. As of currently the direction of most debates about marijuana concern drug liberalization as the nation gets more and more progressive with marijuana. Quite recently, a few states have went forward and legalized marijuana for recreational use, and even Canada has taken its first step towards marijuana legalization. According to a survey conducted by the Pew Research Center, a nonpartisan organization that provides information about the issues, attitudes, and trends changing America, as of 2015, the support for marijuana is finally outpacing the opposition. In 2012, the National Survey on Drug Use and Health reported that marijuana is the most commonly used†¦show more content†¦On June 1971 Nixon officially declared a â€Å"war on drugs† calling it a serious national threat. Then on June 1973 Nixon created the Drug Enforcement Administration (DEA) which is responsible for coordinating and pursuing U.S. drug investigations. As of currently, marijuana is classified as a schedule I substance by the DEA, which makes it a federal crime to grow, possess, or distribute marijuana and to open, rent, or maintain a place of business for any of these purposes. Other substances classified as a schedule I drug include heroin, LSD, and MDMA. However, marijuana is clearly less dangerous and additive as these other drugs, which leads us to ask the question why is it that marijuana is still a schedule I drug. The Shafer Commission was a national committee commissioned by Nixon to perform one of the most comprehensive tests on the negative effects of marijuana. It was acknowledged that at that time, no one knew enough reliable information about marijuana. President Nixon appointed Governor Raymond P. Shafer of Pennsylvania to lead the national commission to report the negative effects of marijuana. Contrary to Nixon’s agenda, the Shafer Commission Report recommended the decriminalization of marijuana. The Shafer Commission Report basically discredited most of the stereotypes associated to Marijuana use. The idea that marijuana users are stupid, violent, and detrimental to society is

Why Marijuana Should Be Illegal Free Essays

Tyler Wyrick Ms. Russo English 165. 25W 11 May 2010 E1 Why Marijuana should be Illegal In society today, many people are looking for a feeling of freedom. We will write a custom essay sample on Why Marijuana Should Be Illegal or any similar topic only for you Order Now Some go on vacation and spend money while others look to drugs. The sense of high that results from using marijuana acts as an escape from the stresses of everyday life. As a result, a tremendous number of Americans participate in the illicit use of marijuana. Our American society is facing a tremendous drug problem that will increase exponentially by the legalization of this drug. Marijuana should be illegal because it will cause an increase in drug users and drug related crimes, the short term and long term effects of marijuana on the body, and the effect it will have on the country. One of the consequences of legalization would be a tremendous increase in marijuana users. Right now with the use of illicit drugs comes the fear of law enforcement agents and punishment causes individuals to be too scared to try marijuana. However, if weed become legalized, the fear becomes nonexistent and the number of users skyrockets. Legalized marijuana provides an ease of access to the drug, which in turn, promotes an increase in sales and use. An increase in marijuana use will also result in an increase in drug related crimes. Supporters of the legalization of weed believe that crime and violence would decrease if the drug is legal. Statistics show that forty percent of those arrested for committing a crime tested positive for the use of drugs at the time of their arrest. Making drugs more readily available could potentially propel more individuals into a life of crime and violence. Many marijuana users turn to crime to pay for their habit. They are stimulated by drugs and therefore act violently. Sold legally, marijuana will become easy for users to buy it around the corner, which would increase the already existing problem of crime. It is mentioned by Forbes that every year drug lords make billions of dollars from marijuana business, and those promoting legalization believe it will wipe out their major sources of funds. Drug use is a matter of supply and demand. As long as demand exists, someone is going to supply it either legally or illegally. Supporters of legalization believe that if the government regulates drugs such as marijuana by imposing taxes, then the black market will be eliminated. Not many users can afford to buy high priced drugs such as marijuana. As a result, people will be forced to go to drug gangs who sell marijuana under the market price. In addition, children and teenagers will obviously be banned from purchasing marijuana, just as they are prohibited from buying beer and liquor. Nevertheless, there will be drug pushers who will continue to encourage the youth and try to get them hooked to marijuana. Hence, legalization of marijuana will encourage a growing criminal black market. Marijuana is also very bad for ones overall health. Persistent use will damage lungs and airways and raise the risk of cancer. There is just as much exposure to cancer-causing chemicals from smoking one marijuana joint as smoking five tobacco cigarettes. There is evidence that marijuana may limit the ability of the immune system to fight infection and disease. This drug also causes severe side effects to the brain and body. Smoking marijuana can cause a person to lose their memory. Marijuana also has many short-term psychological and physical effects. These reactions usually last for three to five hours after a person has smoked marijuana. The psychological reaction, known as a high, consists of changes in the user’s feelings and thoughts. Mainly THC causes such changes. Many people usually smoke marijuana in cigarettes or pipes, but it also can be mixed with food and beverages. The concentration of the marijuana can affect how a person reacts to using the drug. The effects of a marijuana high vary from person to person and from one time to another in the same individual. In most cases, the high consists of a dreamy relaxed state in which users seem more aware of their senses and feel that time is moving slowly. Sometimes however, marijuana produces a feeling of panic and dread. The different reactions result partly from the concentration of THC in the marijuana. Other factors such as the setting in which marijuana is used, the user’s expectations, personality, and mood also affect a person’s reaction to the drug. Long-term effects of marijuana are not completely known, but studies have shown that some people who have used marijuana regularly for several months or longer have developed serious long-term problems. Among males, marijuana use can reduce the production of sperm and the male sex hormone testosterone. Among females, marijuana can cause menstrual irregularity and reduced fertility. Extended use of marijuana also has a long-term psychological effect on many people. These individuals lose interest in everything. They become unmotivated and detached. Another impact on health is that marijuana is a gateway drug. People that smoke marijuana for the first time feel that bringing themselves to actually try pot is the hardest part. Once an individual’s nerves are now calm about trying marijuana, they will now find that trying harder drugs won’t be as difficult to think about. Once their attitude on drug use is changed people will not hesitate to experiment with new harder drugs just as they did with marijuana. The Center on Addiction and Substance Abuse at Columbia University found adolescents who smoke pot 85 times more likely to use cocaine than their non–pot smoking peers. 0 percent of young people who use marijuana before they turn 15 later go on to use cocaine. A user of marijuana will eventually want to feel a new or better high causing them to resort to drugs that have much more of a negative effect on the body. Not all drug users will immediately begin using heroin, but once they are taking drugs it is very difficult for them to quit. For some, it will begin with sim ple painkillers and then possibly cocaine. With each step further into the world of drugs the user will find it harder to return. The high becomes an escape from reality. It becomes a release from the pressures of everyday life. With time, the period between highs becomes shortened due to the inability for users to face daily tasks. Soon, they become addicts living for the next high. Why? Because marijuana, a â€Å"harmless, organic drug,† opened the door to more possibilities. Next, legalization is neither a reasonable nor rational policy for this country. One of the biggest concerns about the legalization argument is the mixed message it sends to our young people. The legalization will imply a nonjudgmental attitude about drugs. The public’s attitude must change toward drugs and focus on prevention and treatment of drug abuse while maintaining the laws that make the drugs illegal. By focusing time and resources on the dangers of marijuana use, we are setting ourselves up for a better society as a whole. Reducing societal acceptance of weed use would allow Americans to raise a generation that could make a healthy contribution to the country. Then, the thought of job opportunities could be an issue. Think about the hundreds of thousands of others who are daily and heroically involved in the continuous war on drugs. Police officers, who are constantly meeting their quota by busting marijuana related crimes, would now have to sit back and watch the future of America get high on the streets hoping they wont continue on in to the drug world. Marijuana is illegal for many reasons. Most of the people that are pro-legalization will not use it for medical use or are at all interested in this nations economy. The ugly truth is that most want it legal merely because they want to use it. The drug problem America faces now would severely increase if marijuana were legalized. Health bills would go up due to medical issues involving weed, drug related crimes would increase, and legalizing the drug would change America’s attitude on drugs completely and open the door to drugs far worse than weed. The war on drugs would just be getting started. How to cite Why Marijuana Should Be Illegal, Papers

Le Baiser De La Mort Essays - Duchess, , Term Papers

Le Baiser De La Mort The Kiss of Death Short syncopated clopping echoed throughout the desolate ally ways that wound through the dark outer limits of Bordeaux, France. An eerie stillness hung in the air, and at the same time, an unsettling anticipation. The lanky coachman lashed out at his team of horses, who already pushed on in an uneasy canter. Rain drizzled lazily from a dreary sky; a grave contrast to the surreal restlessness that consumed the inhabitants of the city. Signs of the great black plague had been sighted in a small village along the Garonne River. So close to Bordeaux. Flat brick walls and dank ally ways flashed by, swirling together into a cold gray nothingness, as glimpsed from inside the jerking stagecoach. Pulling her satin wrap closer about her shoulders, the Duchess of Bordeaux shivered, trying to rid herself of the ominous awareness that had settled thickly around her, as a dense fog that enmeshes itself upon a boggy landscape. The coach came to an abrupt halt, shattering the portentous mindset the duchess had lapsed into. The rain had begun to pound mercilessly upon the marble pavement that led to a vast castle. In moments, the rain condensed into tiny shinning globes, cracking like a thousand claps of thunder as each hit the stone pathway. The Duchess winced as the hailstones lashed at her exposed flesh, hastening to fasten her cloak upon her chin. Her arm raised to protect her eyes from the treacherous frozen rain, she began the trek up the tedious marble stair case to her grand ch?teau; as she climbed, the marble became encased in a thic k layer of frost. Breathless, and her cheeks colored crimson as a blazing flame, the Duchess entered through the heavy oak doors leading into the large vestibule that served as an entrance room into the richly furnished palace of the French royal family. Edgily, she allowed the servants to remove her soaked garments, and at speed withdrew to her private chamber. Wasting no time, the Duchess removed a sturdy piece of parchment from a chest of drawers and obtained a quill and ink. Writing feverishly, she toiled for an hour over the essential dispatch, and sealed it with the official royal seal when she had finished. Summoning for a servant, she gave orders to him such that he was to deliver this letter by way of a lone messanger who would be waiting at the bottom of the castle steps. He was to tell no one and do this as quickly as possible. She would await his return and deliver his payment as soon as the task was completed. Quietly, the Duchess stole into the west corridor that led into the Duke's bedroom chamber, to retrieve his master key. Below, her husband was entertaining the nobles by way of his usual extravagant masquerades. Carrying through the ducts in the high cathedral ceilings, the Duchess listened to the blithe percussion as it thumped rhythmically, accompanied by laughter as clear and carefree as sleigh bells. To be expected, the duke, pompous and self-assured would be perched upon his ruby-laden thrown; his sharp features and protruding chest reminded her of the arrogant peacock; always one to boaster his bright feathers. Her expression darkened. She imagined him adorned in his lavish costume, pretending to be generous and cordial to his guests. He would refill their goblets with his most potent and matured French wines until they were drunk hence he could discuss important matters of business and swindle them out of large sums of gold. She wrung her hands nervously, hoping her husband wo uld make allowances for her at the masquerade long enough for her to receive word about her letter, although she could not evade raising the Duke's own suspicions. She returned to her own chambers to ready herself for the ball. In the course of the evening, the Duchess's messenger galloped with haste to the residence of Matthieu Brousseau; an outspoken political man who was a popular contact of the Duke himself. Once beyond the gates of the palace, the servant was quick to detect the retched smells about. Wagons screeched past the messenger with masses of rotting flesh strewn upon them. The