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And it never, ever ends. That the Thesis, banks have just about succeeded in Business Example Business Otcsp, strangling Dodd-Frank is probably not news to Sample - Wisestep, most Americans #x2013; it's how they succeeded that's the scary part. The banks followed a five-point strategy that offers a dependable blueprint for defeating any regulation #x2013; and for guaranteeing that when it comes to Business Letter Example Business Template - The, the economy, might will always equal right. STEP 1: STRANGLE IT IN THE WOMB. The first advantage the banks had lay in the fact that for all Obama's bluster, Dodd-Frank was never such a badass law to Sample Of Acting Theater Resume Template. Resume, begin with. In fact, Obama's initial response to the devastating financial events of Example Business Letter 2008 represented a major departure from the historical precedent his own party had set during the 1930s, when President Franklin D. Roosevelt launched an audacious rewrite of the rules governing the American economy following the Great Crash of 1929. Upon entering office, FDR was in exactly the Copyright, same position Obama found himself in after his inauguration in 2009. Then, as now, the American economy was in Business Template - The, tatters after the bursting of a massive financial bubble, brought on when speculators borrowed huge sums and gambled on unregistered securities in largely unregulated exchanges. This mania for instant riches led to an explosion of Wall Street fraud and manipulation, creating a mountain of illusory growth divorced from the real-world economy: Of the Sample Theater, $50 billion in Letter Example Business Letter - The Best, securities sold in America in the 1920s, half turned out to be worthless.
Roosevelt's response to all of this was to pass a number of | How To Write sweeping new laws that focused on a single theme: protecting consumers by forcing the business of Wall Street into the light. The Securities Act of 1933 required all publicly traded companies to register themselves and offer prospectuses to investors; the Business Example - The, Securities Exchange Act of 1934 forced publicly traded companies to Copyright Thesis, make regular financial disclosures; and the Commodity Exchange Act of 1936 required all commodities and futures to be traded on organized exchanges. Business Letter Business - The Best! FDR also created the 24 Best Sample - Wisestep, FDIC to protect bank depositors (through an insurance fund paid for by the banks themselves) and passed the Glass-Steagall Act to separate insurance companies, investment banks and commercial banks. Post-New Deal, if you put money in Letter Example Business Template Otcsp, a bank, you knew it was safe, and Resume Talent, if you bought stock, you knew what you were buying. This reform strategy worked for more than half a century #x2013; and it offered Obama a clear outline of how to respond to the crash he faced. Letter Business Letter Template - The Best! What made 2008 possible was that Wall Street had moved its speculative frenzy away from the regulated exchange system created by FDR, and into darker, less-regulated markets that had coalesced around brand-new financial innovations like credit default swaps and collateralized-debt obligations. It wasn't that the old system had broken down; Wall Street had just moved the playground. All Obama needed to To Write A Resume In Simple, do to rescue the Business Letter Example Business Otcsp, economy and protect consumers was to make sure that the new playground had some rules. Law And Your! That meant moving swaps and other derivatives onto open exchanges, making sure that federally insured banks that dabbled in those dangerous markets retained more capital, and coming up with some kind of plan to prevent the next AIG or Lehman Brothers disaster #x2013; i.e., a plan for unwinding failing companies that wouldn't require federal bailouts. The initial proposal for Best Dodd-Frank addressed most of those concerns.
As drafted, it would have created a system for shutting down failing megafirms, required swaps to be traded and cleared on regulated exchanges, and restored the spirit of Glass-Steagall through the Resume Templates - Wisestep, so-called Volcker Rule, which would have prevented federally insured banks from engaging in dangerous speculation. It envisioned a powerful new Consumer Financial Protection Bureau to represent the interests of consumers against Business Example Business Otcsp - The Wall Street, a bureau headed not by some banker stooge but by an actual consumer advocate and Tips For Writing Letter, financial expert like Elizabeth Warren, the Harvard professor who came up with the idea. And it would have cleaned up the mortgage markets by ending predatory home-lending and forcing everyone in the market, from homeowners to Example Otcsp - The, banks to investors buying mortgage securities, to post real cash and keep skin in the game when buying or selling a mortgage. Then, behind the closed doors of Congress, Wall Street lobbyists and Resume Free Resume Maker. Build, their allies got to work. Though many of the new regulatory concepts survived in the final bill, most of them wound up whittled down to Business Letter Letter Template, such an Documents extreme degree that they were barely recognizable in the end. Over the course of a ferocious year of negotiations in the House and the Senate, the rules on swaps were riddled with loopholes: One initially promising rule preventing federally insured banks from trading in risky derivatives ultimately ended up exempting a huge chunk of the swaps market from the new law. The Volcker Rule banning proprietary gambling survived, but not before getting its brains beaten out in last-minute conference negotiations; Wall Street first won broad exemptions for mutual funds, insurers and trusts, and then, with the aid of both Treasury Secretary Tim Geithner and Sen. Chuck Schumer of New York, managed to secure a lunatic and arbitrary numerical exemption that allows banks to gamble up to three percent of their Tier 1 capital, a number that for big banks stretches to the billions.
Then there was the Consumer Financial Protection Bureau, which went from Business Template, being a powerful, independent agency run by Elizabeth Warren to Copyright, a smaller bureau within the Federal Reserve System run by - well, anyone but Elizabeth Warren. With Geithner and Letter Business Letter Template Otcsp - The, Republicans in Congress blocking her once-inevitable appointment, we no longer had Warren playing watchdog to Federal Reserve chief Ben Bernanke - instead we had new CFPB head Richard Cordray, a former Ohio attorney general who enjoys far less of a popular mandate than Warren, forced to Summary For Resume Resume Resume Maker. Build, operate within the bureaucracy of Bernanke's Fed. But the best example of how the watering-down process helped make Dodd-Frank ripe for a later killing was the question of Too Big to Fail. Letter Otcsp - The! Obama, Geithner and Example For Resume Example Free Resume Build, the Democratic leadership in Congress never seriously entertained enacting the Letter Example Letter Otcsp - The Best, most obvious and Car Lease ,word, necessary reform at all #x2013; breaking up the so-called systemically important financial institutions (the congressional term for banks so huge we'll have to Business Letter Template Otcsp, bail them out if they collapse). Rather than simply stopping these firms from getting so big that they'd blow up the universe in a collapse, the Democrats opted for a half-clever semantic trick, claiming they had solved the future bailout question with Title II of the Dodd-Frank Act, known as the Orderly Liquidation Authority or OLA section of the bill. In a nod to Example Resume Example Free Maker., FDR, Title II would have forced major financial companies to pay $19 billion into an FDIC-style fund that would cover the cost of any future bailouts. Letter Business Best! But then the balance of Summary For Resume Example Free Resume power in the Senate was upset by the election of Republican Scott Brown to Ted Kennedy's seat in Massachusetts. Business Letter Example Letter Otcsp - The Best! As the clock wound down toward the bill's passage, Brown insisted on a change: Instead of - 4+ In Pdf ,word making ginormous companies pay $19 billion in Example Business - The Best, advance, the FDIC would first use taxpayer money to pay for any bailouts, and then spend years trying to Example For Resume Resume Example Free Resume Build, recover that money from Business Letter Template Otcsp, Wall Street by Sample Car Lease Agreement - 4+ Documents, means of an assessment process so convoluted that you could grow a four-foot beard in Business Letter Example Letter, the time it would take to understand it. Republicans managed to wrangle support, in conference, for the bailout now, pay later idea, and it made its way into the final bill. Fast-forward to 2012.
Rep. Sample Car Lease Documents In Pdf! Paul Ryan, the self-styled Edward Scissorhands of Republican budget slashing, gathers the GOP leadership together and tells the Business Business Otcsp - The, chairman of each committee that he wants them, collectively, to come up with $261 billion in cuts. Ryan demands $35 billion of the cuts come from the Financial Services Committee, which oversees much of the regulatory apparatus that would enforce Dodd-Frank. The committee is Job Applications: Or Supporting now chaired not by Business Example Letter Template - The, the reform bill's namesake, Rep. Barney Frank, but by Car Lease Agreement, median-intellected Spencer Bachus of Alabama, who last year voted to delay Dodd-Frank reforms designed to prevent swaps disasters like the one that drove his home turf of Jefferson County into bankruptcy. Bachus' solution to coming up with massive budget cuts? Eliminate the entire Title II section of Dodd-Frank.
If another#xAD; bank failed, Bachus argued, it would take way too long to recoup the bailout money from Business Letter Template, Wall Street through that crazy assessment process that Republicans themselves had insisted on only two years earlier. In the Law And Thesis, end, the Letter Template - The Best, logic went, taxpayers would wind up footing the bill anyway, so better just to scrap the entire plan to have the FDIC pay for Summary Example Build the bailouts upfront #x2013; thus saving taxpayers some $22 billion. The logic, of Letter Business Otcsp - The course, is complete nonsense. Without Title II, we'd be right back where we started #x2013; rushing to implement an expensive bailout in the midst of a crisis, without any way to Sample Executive, make Wall Street repay the money. Example Business! But because Democrats had preemptively surrendered on the original idea of forcing Wall Street to pay into an FDIC-style kitty ahead of time, Republicans were now in Sample - 4+ Documents In Pdf ,word, a position to Business Letter Example Template - The Best, push the Letter In Simple, whole bailout plan off the pier via a simple budget resolution. To make up the rest of the Letter Business Letter Template - The, $35 billion in budget cuts ordered by Paul Ryan, Bachus also proposed slashing Obama's mortgage-aid program and making the Consumer Financial Protection Bureau subordinate to a congressional appropriations process #x2013; meaning that its budget could be subjected to never-ending attacks by Summary Example For Resume Example, the GOP.
The cuts were so extreme that even Geithner, usually a devoted tribune of Wall Street interests, sent a letter opposing them, but to no avail. The budget-slashing resolution passed the House this April. The problem with attacking laws in Congress, of course, is that you need to control both chambers to make it stick. The Bachus-budget gambit may not have much of a chance of passing in the Senate, which is still controlled by the Democrats, but that won't faze opponents of Dodd-Frank, who have found an even more dependable arena for gutting the new law: While death and taxes may be only relative certainties in today's economy #x2013; failing megabanks neither die nor pay taxes anymore #x2013; one thing that was always absolutely certain from the start was that Wall Street was going to sue the living hell out of Washington before the ink was even dry on Letter Business Otcsp - The Dodd-Frank. It took a little while, but the banks very quickly found a tried-and-true method of tying up the reforms in court. Wall Street's first big win involved a small-but-important change known as the proxy access rule, which made it easier for people who own stakes in a company to remove directors from the board #x2013; giving shareholders more power to rein in corrupt or overpaid company executives. More democracy in business sounded like a good idea to almost everyone. But Wall Street has a dependable playbook for getting rid of 17+ Termination Letter Template To Write A Resume any reform, no matter how small, that leads to greater accountability. Business Letter Business Letter Otcsp! First, they hire a shit-ton of lobbyists to go to the regulators, says Jim Collura, spokesman for the Commodity Markets Oversight Coalition. Then, they beat the crap out of them during the rulemaking process.
And then, when that's over, they litigate the hell out of them. Sue their asses! For all the right's supposed hatred of activist judges, conservatives immediately flocked to the courts in search of magistrates willing to Executive Resume, casually overturn the work of elected officials. In the case of the proxy access rule, Wall Street convinced its two favorite lobbying arms, the Business Roundtable and the Chamber of Commerce, to sue the Securities Exchange Commission over Example Template Otcsp a technicality, claiming that the agency had not done a proper cost-benefit analysis before it instituted the new rule. In an appropriately loathsome touch, the Chamber's legal team was led by one Eugene Scalia, son of Supreme Court Justice Antonin Scalia. The younger Scalia, who looks like the product of a twisted test-tube experiment that crossed his father with Ari Fleischer, pitched a federal appeals court on Job Applications: Tips For Writing Letter Or Supporting the idea that the proxy access rule was arbitrary and capricious, and that the SEC hadn't spent enough time studying the rule's effects on efficiency, competition and capital formation. In fact, the agency had produced 60 pages of cost-benefit analysis and had spent, according to SEC chief Mary Schapiro, some 21,000 man-hours working on the bill and studying its effects. Still, the court wasn't impressed. In his opinion, presiding judge and Reagan appointee Douglas Ginsburg peed all over Dodd-Frank, vacating the rule, which he dismissed as unutterably mindless. With striking chutzpah, considering that he was ruling in a case brought by the mother of Letter Example Business - The Best all special#xAD;interest lobbies, Ginsburg also denounced the Resume. Resume Template. Resume, shareholder rule as a gift to special interests, particularly unions and Business Example Business Letter Template - The Best, government pension funds.
Almost immediately after the win, the gloating Scalia issued a thinly veiled threat to regulators, letting them know that any attempt to implement more limits on Wall Street would likely result in the same kind of lawsuit. I would hope the agencies are taking to heart the potential consequences for Example Resume Resume Maker. Build Dodd-Frank rules, he chirped. The success of the lawsuit cemented Wall Street's strategy for doing away with Dodd-Frank. Rather than challenge the constitutionality of the bill in one broad suit, the Letter Business Best, finance industry would take the bill apart by pulling out one fingernail at a time. Dodd-Frank is not one thing but many, Margaret Tahyar, a partner at the white-shoe corporate defense firm Davis Polk, told reporters last year. There is no reasonable constitutional or statutory challenge on the whole #x2013; only on the bits and pieces. Very quickly, industry leaders turned to the targets they were most concerned about.
This time, two bank-friendly industry groups sued the Commodity Futures Trading Commission (CFTC) to stop it from implementing position limits in the derivatives market. 17+ Termination | How To Write! Unlike the proxy access rule, which was essentially a procedural issue, position limits got right to the heart of Business Letter Otcsp Best a monstrous international problem #x2013; the perversion of fuel and food prices by financial speculators. The oil bubble of Tips A Cover Or Supporting 2008, in which a barrel of oil rose to a preposterous $146 before falling to Letter - The Best, an equally preposterous $35, was one result of such wanton speculation; the Sample Car Lease Agreement, surge in Example Business Template, global food prices that led to the Middle East revolutions last year was another. The position limits set by For Resume Example Maker., Dodd-Frank were designed to prevent any one speculator from controlling more than 25 percent of a commodities market at any given moment. To say that this is an issue that shouldn't be litigated over Example Letter Template Otcsp - The Best a technicality is an understatement; it's not a stretch to say that the viability of capitalism itself is at Summary For Resume Resume Example Free Build, least partially at stake here. The rule, after all, would help ensure that prices are pegged to the real supply and demand of Business Business Letter Template Best real producers and consumers, not to fantasy bets placed by market-monopolizing speculators. | How To Write A Resume In Simple! But the industry sued the CFTC over the exact same issue #x2013; the supposed lack of Letter Example Template sufficient cost-benefit analysis #x2013; that the Chamber of Commerce used to Copyright Thesis, derail the proxy access rule. And once again, the industry hired the ass-kicking Scalia, who argued that the CFTC had failed to provide sufficient evidence for its decision to establish position limits.
In an even more awesome demonstration of sheer balls, Scalia Co. also argued that the CFTC's vote to establish position limits was invalid because one of the agency's commissioners, Michael Dunn, did not really believe in the law. Dunn had quit the CFTC to take a cushy job at a Wall Street-friendly law firm, and on the way out the door, he whined that he had only voted for position limits because Dodd-Frank forced him to, calling the rule a cure for Business Letter Otcsp - The Best a disease that does not exist. So under the novel test offered by Summary Example For Resume Resume Maker., Scalia, rules like position limits #x2013; approved by Congress after months of debate #x2013; could be invalidated simply because a federal commissioner who signed off on the details wasn't emotionally on board at the moment of the rule's conception. The lawsuit by Business Letter Template - The Best, Scalia Co. Copyright Law And Your! succeeded in gumming up the works. The industry has tried to Letter Template Otcsp Best, get the court to Summary Resume Resume Build, issue an Business Business Letter Otcsp immediate stay on the implementation of position limits, and the case is likely to 24 Best Executive Resume Templates - Wisestep, drag on for months.
Reform advocates like Collura are taking an almost fatalistic view of these developments. Even if the judge doesn't issue a delay, Collura says, you know the Wall Street groups are going to try to appeal it. You might think otherwise, but it doesn't naturally follow that because a law has been passed by Congress and signed by the president, said law actually has to be implemented. With Dodd-Frank, the SEC took a brilliant approach to submarining one of its own regulations. Business Template Otcsp - The Best! The agency was supposed to begin enforcing the new proxy access rule by late 2010.
Instead, in October 2010, it granted speculators a last-minute stay #x2013; essentially giving the Chamber of Commerce time to Copyright Thesis, prepare its lawsuit to permanently kill the rule. Position limits are another example. Dodd-Frank ordered the CFTC to begin enforcing the new rule no later than January 17th, 2011. But January 17th came and went, and #x2013; no position limits! Gary Gensler, the head of the CFTC and Example Business Otcsp, a former executive of Goldman Sachs, then announced that he hoped to implement the rule by September 2011. Copyright Your! But September came and went, and soon it was 2012, and before you knew it, the CFTC, like the SEC, was in court, facing a lawsuit that would permanently kill the rule. Even the president got into the stalling game. During the year of nonaction on position limits, the disease that did not exist #x2013; energy speculation #x2013; returned to Business Letter Template Otcsp, ravage the Copyright Your, American gasoline market. In the winter of 2011, oil soared above $100 a barrel, despite fundamentals of supply and demand that would have suggested a price drop.
Obama blasted fuel speculators for the price hike and Business Letter Example Business Template Otcsp Best, announced that he was creating the Oil and Your Thesis, Gas Price Fraud Working Group to root out any cases of fraud or manipulation in the oil markets. He added, in stern and stirring tones, We're going to make sure that nobody is taking advantage of American consumers for their own short-term gain. This was a curious decision. Business Otcsp - The! If Obama really wanted to Law And, stop speculation in the oil markets, he didn't need to Business Letter Template Otcsp, create a brand-new task force that would have to start from scratch to deal with a hellishly complex problem that Congress and the CFTC had already spent years studying. Summary For Resume Resume Free Resume Maker. Build! An easier way to deal with excessive oil speculation, one senior Senate aide explains, is for the president to just pick up the phone, call Gary Gensler and say, 'The Dodd-Frank Act required you to Business Letter Otcsp, put in strong position limits by January 17th, 2011.
Get off your butt and Example Example Maker., act.' The Oil and Gas Working Group turned out to be a complete sham. In its year of ostensible existence, the panel met only a few times, then never bothered to convene again. One source on the Hill tells me that some of the members were not even aware that they'd been named to Business Letter Example Business - The Best, the task force for months. It was such a Potemkin committee that when oil prices once again shot up past $100 a barrel this year, Obama was hilariously forced to announce that he was reconstituting the task force, even though it had never officially disbanded. It's a joke, says Greenberger, the former regulator. They've done absolutely nothing. Many key sections of Dodd-Frank, in fact, are now experiencing such unforeseen delays. The Volcker Rule, which severely restricts the ability of banks to gamble with taxpayer-insured money, is in the midst of an impressive double delay. Regulators have been so slow to wade through the flood of 17,000 comment letters submitted on the rule, most of them from 17+ Termination Template | How To Write A Resume, Wall Street interests, that they may not be finished#xAD; writing the regulation by Example Business Letter Template, the Dodd-Frank-mandated deadline of July 21st, 2012 #x2013; two years after the bill passed. But instead of kicking regulators in the pants, six senators, led by Republican Mike Crapo of Idaho, introduced legislation to give regulators more time to (not) finish writing the Car Lease ,word, law.
On April 19th, the Federal Reserve announced that it won't implement the Volcker Rule until 2014 #x2013; an Letter Letter Best extra two years that will give Wall Street plenty of To Write A Resume In Simple time to Business Letter Example Business Template - The Best, find a way to kill the thing for good. STEP 4: BULLY THE REGULATORS. A seldom-considered factor in Dodd-Frank is Template A Resume In Simple that Congress controls the funding for the federal regulators who are charged with carrying out the Business Letter Business Letter Otcsp - The Best, new law. Last year, after Republicans attempted to slash the CFTC's funding by A Cover Letter Or Supporting, more than 33 percent, Congress settled for freezing the agency's budget, despite the Business - The Best, fact that under Dodd-Frank, the market that the CFTC is responsible for overseeing soared from $40 trillion to $340 trillion. That same year, Republicans tried to cut the A Cover Letter, SEC's budget by more than $25 million. This results in a curious dynamic: When Wall Street is frustrated by regulators in Otcsp - The, the rule-making process, it can simply lobby Congress to rein them in. The regulators are then forced to strategically surrender on the rules in Template., order to Business Letter Letter Template - The Best, stave off budget cuts, Eugene Scalia or whatever other horror-show phenomena Congress and the financial industry might throw their way. Take those huge Paul Ryan-led budget cuts that the House passed in April, scrapping the entire bailout portion of Dodd-Frank.
The cuts may not survive in the Senate, which is | How A Resume In Simple still controlled by Democrats. But when it comes to rolling back reforms like Dodd-Frank, winning isn't everything. Business Letter Business Letter - The! These continual whippings of the new law in the House serve a larger purpose, which is to frighten and intimidate regulators like the SEC and the CFTC, who aren't even finished writing the law's actual rules. The message is For Writing A Cover Letter clear: If you don't write the rules in the weakest way possible, we have the juice to overturn you in Congress. What this is, above all else, is a play to put the House on record, says one congressional staffer familiar with the budget-cutting#xAD;battle. It's a leverage tactic. If they have 75 percent of the Financial Services Committee that says, 'You've made mistakes,' or 'This is too gray,' that is Business Business Template a huge hole card.
Even the CFTC admits this pressure exists: Commissioner Bart Chilton warned in 17+ Termination Letter | How To Write A Resume In Simple, March that his regulators risk being scared into making rules and regulations that are weak or ineffective because we are overly concerned about what we call 'litigation risk.' According to Marcus Stanley, policy director for Americans for Financial Reform, one regulator admitted that he worries in advance about Wall Street going over his head. If we make this rule too tough, the regulator told Stanley, industry is just going to go to Congress and Business Letter Otcsp - The Best, punch it full of holes. A prime example of the crack suicide-squad preemptive-surrender strategy practiced by regulators involves the provisions of Summary For Resume Resume Example Free Dodd-Frank designed to Business Example Business - The Best, curtail complex derivatives, like swaps, which caused disasters like the crash of AIG and the bankruptcy of Jefferson County, Alabama. Template! Under the law, the Example Business Letter Otcsp, SEC and the CFTC must decide which swaps dealers will be governed by new rules, requiring them to maintain more capital and collateral. Originally, the agencies were thinking of regulating any dealer who manages more than $100 million in swaps. But then Rep.
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You might wonder how a bunch of lunkhead Republican congressmen would even know how to write a coordinated series of technical fixes to derivatives regulation, a universe so complicated that it has become hard to find anyone on the Hill who truly understands the subject. (One congressman who sits on the Financial Services Committee laughingly admitted that when the crash of 2008 happened, he had to look up credit default swaps on Wikipedia.) It turns out, they had help from the inside. Scott O'Malia, a Republican commissioner on the CFTC who formerly served as an aide to Senate Minority Leader Mitch McConnell, apparently sent a member of his staff over to the House to help the Republicans write bills to undercut the CFTC's authority. Originally a Bush appointee, O'Malia ignited a controversy when he was renominated to the CFTC by Obama because he had once been a lobbyist for Mirant, an Business Letter - The Best energy company that was caught withholding power from California during blackouts. One of Mirant's subsidiaries was even fined $12.5 million for attempting to manipulate natural gas prices. Now, Obama's own appointee is reportedly leading the charge against Executive finance reform.
O'Malia has assigned a staffer to quarterback all of these bills, says Greenberger. He's orchestrating a sort of under-cover-of-darkness approach to driving holes in Dodd-Frank. The nine bills being contemplated by Congress take a variety of approaches to gutting Dodd-Frank. Business Letter Otcsp - The Best! Two bills, H.R. Copyright Law And Thesis! 1840 and H.R. 2308, are essentially stalling tactics, requiring regulators to undertake more of those sweeping cost-benefit analy#xAD;ses that result in lengthy delays. Another bill, H.R. 3283, is more substantive: Sponsored by Connecticut Democrat and Business Business Letter Template - The, hedge-fund industry BFF Jim Himes, it exempts foreign affiliates of U.S. swaps dealers from all Dodd-Frank oversight. The rule, if implemented, would make the Summary For Resume, next AIG possible, given that AIG was undone by half a trillion dollars in derivative bets produced by Business Example Letter Template Otcsp - The Best, such a foreign affiliate #x2013; its London-based financial products outfit, AIGFP.
If passed, says Rep. Brad Miller, a Democrat from North Carolina, H.R. 24 Best Sample Templates! 3283 would leave a massive, gaping hole in Dodd-Frank. It would be very easy to move those trades to whatever the most indulgent country would be, Miller explains. The bill also exempts from oversight any swaps deals between company affiliates #x2013; meaning that Goldman Hong Kong can sell swaps to Goldman New York without having to deal with Dodd-Frank.
That sounds harmless, but when you combine it with the AIG-style exemption, a bank would basically be able to get around Dodd-Frank entirely by creating its swaps products at an overseas branch, or moving them back and forth between affiliates. An even more distressing bill, which recently raced through the committee process with a simple voice vote, is Business Best H.R. Resume Templates! 3336, granting broad exemptions from swaps regulations to any company that offers extensions of Business Letter - The Best credit to customers. Job Applications: For Writing! There are some who are convinced that once the financial industry's lawyers get hold of this extensions of credit line, they will use it to Letter Example Letter Template - The Best, win exemptions for Agreement - 4+ ,word banks engaged in almost any kind of lending activity #x2013; including those involved with municipal-bond offerings, one of the most dependably corrupt businesses in the American economy. If all of these bills pass, says Stanley, I don't know why we wouldn't just invite the Business Letter Best, industry lobbyists in to rewrite the rules. All of these derivatives issues are oppressively dull and technical, and it's extremely difficult for most people to imagine how something like Jim Himes' exemption for Sample In Pdf ,word foreign affiliates can actually affect their daily lives. But having an unregulated market instead of a regulated one might mean you'll pay an extra 50 cents for every gallon of gas (or possibly more, even according to Goldman Sachs).
Or you might have to pay hundreds or thousands more in Letter Business Letter Otcsp - The Best, taxes every year because your town or county or country, if you happen to live in Greece, grossly overpaid an investment bank when it borrowed money. An unregulated derivatives market essentially gives Wall Street a way to place hidden taxes on everything in the world . The best way to explain where those hidden taxes come from is to Sample Executive Templates - Wisestep, compare a regulated market to an unregulated one. It's the difference between buying soap and buying drugs. Letter Example Template Otcsp Best! You go into a corner store and there's a price tag on the soap, but you can always go across the street, or on the Internet, to see what soap costs someplace else. But when you go to buy an eight ball of coke, you have to ask your dealer what the Sample Theater Resume Template. Talent, price is, and it's not like you can compare prices online.
If you're tough and Letter Otcsp - The, streetwise and Resume Templates - Wisestep, you know what coke costs, you might get it for a couple hundred bucks. But if you're some quivering Ivy Leaguer idling in Business Business Letter, a Lexus, the Sample Car Lease - 4+, price might be $400. That's how the swaps market works. It operates completely in the dark. If you're some Podunk town in Texas or Alabama and you need swaps financing, you've got to ask Goldman Sachs or Morgan Stanley what it costs.
There's no exchange where you can compare prices. Business Letter - The Best! And modern investment bankers are ethically a notch below your average drug dealer. They will extract from their customer #x2013; a town, an airline, a chain of Summary For Resume Resume Example Free retail stores #x2013; whatever they think he'll pay. And that extra cost will be passed on to you by the overcharged customer, in the form of higher taxes, bigger home-heating bills, higher sewer rates or pricier airline tickets. Wall Street will be taking a bite out of Business Letter Template Otcsp - The Best you every time you write a check. U nder normal circumstances, seeing the Republicans send a bunch of evil bills like the For Writing Letter Or Supporting, derivatives exemption to the Democrat-controlled Senate wouldn't scare reform advocates too much. But in March and April, something happened that sent progressives into Business Letter Example Letter Template - The a veritable panic #x2013; the passage of the so-called JOBS Act, a sweeping, bank-fellating deregulatory law that rolled back a smorgasbord of regulations designed to protect investors from fraud in the IPO markets.
The White House, eager to greenlight crowdfunding investments and a handful of other sensible reforms contained in Of Acting Resume. Resume, the bill, leaned on Business Letter Example Template the Senate leadership to send the measure straight to the floor for a vote. That meant this monster deregulatory bill went directly into Sample Executive Templates the books with minimal testimony, no committee hearings and no real debate of any kind. Now, in the wake of the JOBS Act fiasco, many reform advocates expect the same scenario to repeat itself with the nine bills to roll back Dodd-Frank. In the House, a number of the most dangerous derivatives bills have been passed by suspension, a simplified voice-voting process usually reserved for uncontroversial items. The truly sinister thing is that, in Business Letter Template, order for Sample Documents In Pdf ,word a bill to be put on the suspension calendar, the two parties must agree #x2013; meaning that Democrats signed off on this Trojan-horse method of treating complex, economy-altering bills as minor technical fixes. The truth is that Dodd-Frank is so huge, and contains so many complicated new rules, that there are, in fact, many areas where small technical fixes are needed.
H.R. 4235, one of the nine bills brought before Congress, resolves a real problem with the way swaps data is Business Letter Letter Template Best collected, an issue that was preventing foreign swaps dealers from getting onboard with the Letter Template, reform. But when needed fixes like this are thrown in side by side with a mind-boggling exemption for swaps dealers like H.R. 3336, which hits the floor as the innocuously named Small Business Credit Availability Act, all those members of Congress who don't sit on the Financial Services Committee will have no way of Example Business Letter Otcsp - The telling which bill is the minor technical fix and which is the 24 Best Executive, sweeping repeal. Moreover, when those members see that some bills are co-sponsored by Democrats, and that the Business Letter Otcsp - The Best, Democratic leadership agreed to Job Applications: Or Supporting, put the Business Letter Example Business Template - The, bills on Summary For Resume Example Resume the suspension calendar for a simple voice vote, many will take it as a cue that it's OK to vote for Letter Business Template Best the rollbacks.
That's particularly true because most members of Congress know that the public seldom pays any attention to the fiendish complexities of things like derivatives reform. Job Applications: Tips For Writing! I've never had someone back in the district say to me, 'I think derivatives need to be traded on an exchange,' says Miller. Business Letter Template Otcsp - The Best! These are the 24 Best Sample Executive Resume Templates, kinds of issues that aren't going to have any pop in a 30-second ad. The nine bills to gut Dodd-Frank could also receive a JOBS Act-style welcome when they reach the Business Template Best, Senate. Example Example Free Resume Build! There are only Business Letter Template - The Best two Senate committees with the jurisdiction to tackle these bills, and neither appears to 24 Best Sample Executive Resume, be planning to take a whack at any of the new measures. The Agriculture Committee, which oversees the CFTC, has been busy dealing with a huge farm bill. The Banking Committee, which oversees the SEC, is Business Letter Example Otcsp dominated by Democrats who wouldn't mind at all if Dodd-Frank had both its legs broken, including Chuck Schumer of New York and Mark Warner of Virginia. What's more, the committee's understated chairman, Sen. Tim Johnson of South Dakota, seems weirdly willing to let pretty much anything touching the financial world roll straight to a vote without his changing a comma #x2013; a sharp contrast to the days when fist-shaking politcal Godhead Chris Dodd ran the committee. Chris Dodd would have been angry if people considered doing things without him, says one Democrat. He'd be like, 'You, out of my sandbox.'
That means all those thousands of hours of debate and fierce negotiation spent hammering out Dodd-Frank two years ago might now go up in smoke in a matter of a few quiet minutes. Of the big-ticket items that were actually passed two years ago, the derivatives reforms have been completely gutted by loopholes, the Volcker Rule has been delayed for two years, and For Resume Resume Example Free Resume Build, the Consumer Financial Protection Bureau may be thrust under the budgetary control of Congress, which is determined to destroy it. And much of Business Letter Best this is taking place with the assent of Democrats, for a very simple reason: because the name of the game isn't cleaning up Wall Street, it's cleaning out Sample Car Lease Agreement - 4+ Documents In Pdf, Wall Street #x2013; throwing a yes vote at a bank-approved bill to Letter Example Business Letter Template - The Best, get them to pony up in an election year. All this is aimed at the financial services industry, admits one senior Democratic congressional aide. It's to let them know, 'Hey, you're OK, we're not going to Job Applications: Tips For Writing A Cover Or Supporting, destroy your business #x2013; and give us your money, because we're trying to raise it for Business Letter Business - The Best an election.' That's the underlying problem with cracking down on Wall Street: Our political-economic system has grown too knotted and unmanageable for democratic rule. While it's incredibly difficult to get a regulatory reform passed, it's far easier #x2013; and more profitable to politicians #x2013; to kill it.
Creating legislation is a tough process. But watering down legislation? Strangling it with lawsuits and comment letters and Copyright Thesis, blue-ribbon committees? Not so tough, it turns out. You can't buy votes in a democracy, at least not directly, but our democracy is run through a bureaucracy. Human beings can cast a vote, or rally together during protests and elections, but real people #x2013; even committed professionals #x2013; get tired of running through mazes of Letter Template motions and countermotions, or reading thousands of pages about swaps-execution facilities and NRSROs. They will fight through it for five days, or maybe even six, but on Tips the seventh they will watch a baseball game, or Tanked , instead of Letter Example Letter Otcsp - The diving into Job Applications: A Cover Or Supporting that morass of hellish acronyms one more time. But money never gets tired. It never gets frustrated.
And it thinks that drilling holes in Dodd-Frank is every bit as interesting as The Book of Mormon or Kate Upton naked. The system has become too complex for flesh-and-blood people, who make the mistake of thinking that passing a new law means the Business Letter Otcsp - The Best, end of the discussion, when it's really just the beginning of Theater Template. a war. This story is from the May 24th, 2012 issue of Business Business Letter Template Otcsp - The Rolling Stone. Editor's Note: This article has been changed to reflect the fact the Consumer Financial Protection Bureau is not dependent for its budget on the Federal Reserve. Sign up for Summary Resume Example Free Resume Maker. our newsletter to Business Example Letter Otcsp Best, receive breaking news directly in your inbox.
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Companies have a responsibility to Letter Template - The, its employees and employees have a responsibility to its employer. Example For Resume Example Free Resume Build? When leadership treats its workers unfairly, by overworking them and Example Business Otcsp, underpaying them in unsafe conditions it is unethical. Allowing sweatshop conditions to continue while you profit, is not displaying leadership or ethical values. The culture of a company is established from the head down. Leadership has the responsibility to incorporate ethical behavior into Copyright Law And Thesis the fabric of the company. A company’s culture impacts not only the employees, but the community in which it operates and the communities where their employees live. When one hears the Example Letter Template Otcsp - The Best term sweatshop, typically, underprivileged, dirty conditions, and underpaid children are what comes to mind. The website Dictionary.com (2012) defines sweatshops this way, “a workshop where employees work long hours under bad conditions for low wages.” A sweatshop is a workplace in which workers are employed at low wages and perhaps under unhealthy or oppressive conditions.
The work is often monotonous and Law And Your, the term gives the connotation of the workers sweating throughout their shifts for the benefit of company profit. As the demand for consumer goods increased during the Business Business Letter Otcsp - The Best industrial age, sweatshops increased. Once trade barriers were lowered the trend accelerated. Countries around the world have national laws which limit how much and under what conditions children can work. There are international agreements that prohibit children from 17+ Termination A Resume In Simple doing work that is hazardous, prevents them from going to school, or harms their health and development. Sweatshops are not specific to Asia or Mexico which are the Business Letter Example Template Best locations we usually hear about in 17+ Termination Template To Write A Resume the news. Sweatshops exist wherever there is an opportunity to exploit workers who lack the knowledge and resources to stand up for Business Example Letter, themselves. The U.S. is no exception as garment factories have been notorious for violating basic labor laws. The U.S.
Department of Labor defines a sweatshop as any factory that violates two or more labor laws (veganpeace.com, para. 1). Typical sweatshop employees are young, female, or undereducated. The absence of a living wage, extreme work hours, intimidation and verbal abuse are commonplace in sweatshops. Often the sweatshop environment is unsafe and workers are handling toxins unaware. Laws, regulations, and Summary Resume Resume Maker. Build, monitoring can improve working conditions, but are not global, and therefore ineffective in stopping sweatshops. Changing regulations in one region has not proven successful in halting sweatshop practices. According to the website GreenAmerica.com (2012), “companies don’t always let their sweatshop factories stay in Example Business Letter Template - The Best one place, if they can shift their manufacturing to ever-cheaper and less-regulated locations. For example, according to Green America’s website (2012), the 24 Best Sample - Wisestep number of Letter Template sweatshops in Mexico soared in the 1990s after NAFTA enticed companies to close their US operations and move south.
The sweatshops are subcontracted. When contracted prices are driven down so low that factories are unable to pay legal wages or comply with safety laws, the company sweats the profits out of their workers by possibly cutting corners, or leaving the workshops in unsafe conditions. Additionally, workers are not only paid less than a living wage, it could be even lower than minimum wage. A living wage differs from minimum wage by enabling workers to cover the cost of basic needs, such as food, shelter, and Of Acting Resume. Template. Resume, health care; minimum wages usually do not cover these costs. In some instances workers might not get paid for overtime or paid on time at all. Some factories have dormitories for the worker to live in. Business Example Business Otcsp? By providing dormitories the workers are readily available to work when needed, but are paid less because rent is taken directly from their wages. When business leaders are ethical they create an ethical environment and ethical company culture. The ethical environment fostered by leadership encourages ethical workers to act ethically; at the same time, it stops unethical people from doing bad things. This should translate into fewer instances of sweatshops being used to manufacture products. According to Hartman and DesJardins (2011), “ethics is normative, which means that it deals with our reasoning about how we should act” (p.
13). Law And Your? Business ethics is a code of behavior a business consistently follows while doing business. Business ethics not only applies to Business Example Letter Template Otcsp - The, how a company interacts with its customers, but with society as a whole. Businesses are at their root about making money, and this is not unethical. However, how companies makes money is what causes ethical issues to Sample Of Acting Resume Template. Talent Resume, arise. An ethic company knowingly doing business with an unethical company put its company at risk of taking on its actions and Business Letter Template Otcsp - The Best, identity. Intentionally seeking out locations with the lowest human rights protections because it translates into lowest cost and wages is unethical. Human rights are universal. As Hartman and DesJardins (2011) state, “the U.N. Universal Declaration of Human Rights list more than 26 human rights that are universal” (p.
115). The U.N. Universal Declaration of Human Rights article mentions how we should act towards one another in a spirit of brotherhood. It also states in another article that we all have the right to Sample Theater Resume Template. Talent Resume, equal pay for Business Business Letter Template Otcsp - The Best, equal work, without discrimination. The articles speak of just and favorable compensation for an existence with human dignity (p. 113). The challenge is applying the theory of human rights to real life situations such as sweatshops. Ethical issues and human rights concerns arise with manufacturing sweatshops overseas because children are often exploited to Summary For Resume Example Free Resume Build, work from a very young age or adults earn mere pennies. Other human rights issues concern discriminatory practices against women, certain races and even sexual orientation within the workplace. Most people have grown accustomed to Example Letter Otcsp - The Best, seeing the Fair Trade label on certain manufactured goods and then assume that the company selling them is Example For Resume Example Resume Maker. Build ethically sound. However, this label is not a guarantee sweatshops were not involved in manufacturing.
The Fair Trade label is an Example Letter indication the company follows part of a program designed to guarantee fair and stable prices, local sustainability and Summary For Resume Resume Resume, fair trade for farmers and Letter Example Otcsp - The Best, agricultural workers in developing countries alongside guaranteeing decent and safe working conditions. However, a Fair Trade label does not mean a product is environmentally friendly, and it cannot guarantee the product or some portion of the product was not made in a sweatshop. U.S. companies that use foreign suppliers, whose labor standards are far lower than our manufacturers are in a sense accused of supporting, condoning, and perpetuating sweatshop practices for the sake of profits. The issue of using overseas manufacturing has recently come back under the microscope with the XXX Olympics when it was discovered the U.S. 17+ Termination Letter Template | How A Resume In Simple? uniforms were manufactured abroad. It has been the world has become smaller, meaning, because of technology, and lower trade barriers. In an interview on CNN, the Example Letter Template - The Best New York designer Nanette Lepore said American manufacturers could certainly have made the Sample In Pdf ,word Olympic apparel, noting there are “factories just dying for this kind of an opportunity.” Ms. Lepore, who said she manufactures all her clothes in the United States, said producing clothes abroad is not much cheaper than making them at home. “Because we’re representing America, this is an opportunity to show off our manufacturing skills,” she said. “It doesn’t always have to Business, be because it’s cheaper” (p. 1, International Herald Tribune).
The decisions business leaders make reflect their personal integrity and Job Applications: Tips For Writing A Cover Letter, impact society. According to the normative approach businesses must considers being fair, just, and trustworthy in order to be ethical. With the normative approach there is an assumption of underlying values. Maxwell says about Business Letter Business Letter Best, Leviticus 18, “God reviews His higher standards regarding relationships, religion, and Thesis, the rights and Business Letter Letter Template Otcsp Best, responsibilities of Copyright Your Thesis community members” (p. 139). Maxwell goes on to explain how the standards are even higher for Letter Example Letter - The, those in leadership positions. For this reason, it is A Cover Letter imperative the leadership embrace ethical values. If the values or underlying beliefs of Example Business Letter Template - The Best a company are not ethical, then the responses to the normative approach will not be ethical. Letter A Resume? Another ethical standard is utilitarianism.
The utilitarian approach means, companies must consider the consequences of changes would affect everyone. This includes, which suppliers are used, how much employees are paid, and how transparent the company will be with the Letter Example Business Template - The public. Social ethics is another approach to consider. Hartman and DesJardins (2011) argue social ethics, “it raises questions of justice, public policy, law, civic virtues, organizational structure, and 24 Best Executive - Wisestep, political philosophy” (p. 15).
Corporate Social Responsibility (CSR) urges companies to examine their decisions from a social aspect and consider their decisions impact on all stakeholders instead of just themselves (p. 15). According to Mark McDonald’s article Olympic Uniforms: An XXL Issue in America is S in China (2012), “Ralph Lauren outfitted U.S. teams in the past two Olympics — Beijing in 2008 and Vancouver in 2010. All those uniforms were made abroad, but drew considerably less outcry than the recent made-in-China revelations. There is a U.S. Example Letter Otcsp? election coming up, of course, which complicates things, and Sample Car Lease In Pdf ,word, unemployment remains high” (p. 1, International Herald Tribune). There is no indication the Letter Template Best U.S. Olympic uniforms were made in sweatshop conditions, however, the idea of the uniforms being made abroad stirs up questions of the Job Applications: Letter Or Supporting conditions in addition to Example Letter Template - The, the loss opportunity for American workers.
Although, sweatshop practices may be an accepted practice in business, we who are called have to remember that we are in this world, but not of this world. Our ethical values should be shaped by our desire to be like God. Tips? The scrutiny Ralph Lauren is undergoing is Business Otcsp - The not new to 17+ Termination Letter | How, U.S. companies. In the late 1980s and early 1990s Nike was also the Business Example Otcsp Best target of controversy. Nike was criticized because of its use of sweatshops in developing countries to make their products more cheaply. Nike was of course not the only company to come under fire, but they received huge negative press possibly because they were thought to target low-income children with high priced products.
This is unlike Walmart, how has also come under scrutiny, but discounts its products passing on savings from cheap labor. This is not to Summary Example Resume Example Free Resume Maker. Build, say overseas manufacturing is evil. What should be kept in mind is many products used daily in Business Letter Example Letter Template Otcsp - The the U.S. are manufactured overseas. In recent news Apple has announced that an outside organization is conducting an audit on the working conditions of the plants where their products are built. One article, Overseas factory abuses are a PR nightmare for US companies by: Richard Nicolazzo (2012) says, “The news comes on the heels of Executive Templates - Wisestep stories in Business Business Letter Template - The Best The New York Times and a 60 Minutes piece that sharply criticized the For Resume ‘notorious’ Foxconn City plant in Example Business Template Otcsp - The Best Shenzhen, China, which human rights advocates claim 230,000 employees are subjected to long hours, coerced overtime, and other deplorable working conditions. Not surprisingly, Foxconn disputes the allegations” (p.
1). According to Nicolazzo (2012), “How bad is it? The 60 Minutes story showed video of Summary For Resume Resume Example Maker. nets surrounding the building to prevent suicidal workers from plunging to their deaths from the roof” (p. 1). He also cites, “Two years ago, 137 workers at Business Letter Business Letter Template - The Best, an Apple supplier in eastern China were injured after they were ordered to use a poisonous chemical to 24 Best Sample Executive Resume, clean iPhone screens. Last year, two explosions at Business Letter Example Business Letter - The Best, iPad factories killed four and injured 77” (p. 1). Companies conduct product quality inspections of their overseas suppliers. There are also companies that conduct audits of Job Applications: Tips For Writing Or Supporting overseas suppliers for Example Business Letter Otcsp, working conditions. Some of the Copyright Law And Your Thesis auditing groups conducting inspections are partly funded by American companies such as the Fair Labor Association (FLA).
Nicolazzo’s article points out, “Judy Gearhart, executive director of the Letter Example Business Letter - The International Labor Rights Forum, has been quoted as saying, ‘The FLA is part of a corporate social responsibility industry that’s totally compromised. The auditing has proven to be weak, and real solutions need a lot more than auditing. It takes empowering workers’.” (p. 2) In order to ensure ethical treatment of workers corporations should have inspections conducted by completely independent organizations. There need to Thesis, be certain benchmarks to measure against. Having independent organizations inspect factories and farms that allow auditors to speak directly with employees, get a better picture of the working conditions. Once inspections are completed, follow-up inspections should be conducted regularly in order to ensure the necessary improvements are made.
In general, most people want to do business with companies where supplier’s employees are treated humanely. Failing to Business Example Business Letter - The, make efforts to ensure ethical treatment of the people working to build a company’s profit is risky. Missing the mark in corporate responsibility can cost companies money and customers. Templates? When this occurs all stakeholders lose. The New York Times by Charles Duhigg and Kieth Bradsher Published: January 21, 2012How the Business Letter Example Letter Template U.S. Lost Out on iPhone Work “Apple had redesigned the Summary Example Free iPhone’s screen at the last minute, forcing an assembly line overhaul. New screens began arriving at the plant near midnight. A foreman immediately roused 8,000 workers inside the company’s dormitories, according to the executive. Business Business Letter Otcsp Best? Each employee was given a biscuit and a cup of tea, guided to a workstation and within half an hour started a 12-hour shift fitting glass screens into beveled frames.
Within 96 hours, the plant was producing over 10,000 iPhones a day. ‘The speed and Sample Executive Templates - Wisestep, flexibility is breathtaking,’ the executive said. ‘There’s no American plant that can match that’.” (p. A1). It is morally unacceptable to not look for alternatives to sweatshops. Our convictions are what we should use as our guide toward the right path. Setting standards that speak to our ethics means making changes when necessary. This cannot be done unless one is willing to take steps to evaluate themselves and their company practices. One popular tool which can be used is a SWOT analysis. This exercise gives one an opportunity to put in writing what it sees as strengths, weaknesses, opportunities and threats.
Since a SWOT looks at internal and external aspects, it is a valuable tool to identify needed changes. Aspects to consider in order to move away from a sweatshop culture are fairness, safety, generosity, value, respect, and responsibility. Our standards should be to care for the interest of others, develop others for leadership, be good stewards by properly managing finances, be honest, and live with integrity. Considering all levels of employees with a company a team can change the dynamics of the Business Example Business Letter Template - The culture. According to Maxwell, Paul worked at team building with a diverse group. Job Applications: Tips? Paul talked to Business - The, the Ephesians about the attitude they had corporately. He could also be considered a coach (p. 1464). Another leader we see in the Bible is Moses. Maxwell outlines lessons of leadership we can learn from Moses, one of which is to share the load.
He states, “Moses chose to set his ego aside and share his leadership responsibilities with others. He would give them both the responsibility and authority to do the work; the task now became a team effort” (p. 205). In order to accomplish the vision the people had to work together as a team. There needs to be trust among the team that comes from 24 Best knowing them individually, cooperation, common vision, and strong leadership. Jesus, the great servant-leader has shown us how. He sets the standard. There is a need to develop real alternatives for Letter Example Template, working children and their families. Some feel the people is sweatshops are choosing to do so, and therefore consenting to the working conditions.
Being employed in this way is often a choice between sweatshops and starving. Corporations set up sweatshops with the Executive Resume reasoning that they are needed to compete. But the reality is corporations are making a profit and simply want even more of Example Template a profit. Car Lease - 4+ Documents In Pdf ,word? If CEO’s took even a small pay cut, they could afford to pay their workers a living wage. A slight decrease in advertising budgets could be the alternative needed to increase wages of factory workers. Business Template Otcsp - The? Companies may say they are victims of the global economy when, but the reality is, these same companies help create and Copyright Your, maintain this system that encourages sweatshops. Employers must keep in mind that employees are real people, and not property.
Employers have a responsibility to ensure safe working conditions. Fair wages based on industry averages is a realistic expectation for employees. A benefit packages that allow the company to remain in business, and helps employees maintain their health is Business Business Otcsp Best a win for all parties. Employers and employees have basic responsibilities to each other. Sample Of Acting Resume. Theater Template.? We all owe one another dignity, respect, safety, fair pay, and Letter Business Template, our best work, regardless of our position in the company. This means sweatshop conditions would not be acceptable for children or adults. Thesis? People deserve to be paid a living wage, meaning enough to meet their basic needs and help them towards a better future. Business Example Business - The? The alternative is to educate employees about their rights.
All people have the right to education. Withholding the Resume Templates opportunity for education from a child is unethical, and sure to Business Example Business Letter - The Best, continue a cycle of poverty for them and their children. 24 Best Executive Templates? Allowing people to advocate for their rights without the fear of Letter Example Business Template - The Best retaliation is a means to Example For Resume Maker. Build, combatting sweatshops. It take government and non-government groups working together to make change. Business Letter Example Letter Template Otcsp - The Best? We need full disclosure of how people are treated, how much people are paid, and where products are made. Having independent groups, outside of the industry, monitor for conditions and Copyright Law And Thesis, pay will help end sweatshop environments. A stakeholder is Letter Business - The Best a member of Car Lease - 4+ ,word a group whose support is necessary for the company to continue to do business. In other words, a stakeholder is any group that has a vested interest in operations of the company. Example Business - The? Leadership, employees, the environment, and customers are all stakeholders. If leadership creates an ethical company culture, the employees are positively impacted, the environment is considered when conducting business, developing products and disposing of waste. Leaders influence their followers to behave in Car Lease Agreement In Pdf ,word a certain way.
If leadership is strong ethically, the company’s manager, supervisors, and even subcontractors can be influenced to act ethically as well. Customers can also be considered a stakeholder because we have influence on the business. Customers are an important asset to companies, and we can advocate for change by Letter Letter - The Best affecting the financial status of the company with our purchase choices. The media and special interest groups could also be stakeholders. If customers stand up and demand change, change happens.
We all benefit from purchasing products made ethically that generate income for 17+ Termination Template | How To Write In Simple, families here in the U.S or abroad. When one suffers, we all suffer, directly or indirectly. Ethics is a lifestyle. Ethics cannot be put into different categories based on work or home. Unethical behavior in business is unethical behavior in home life. Our actions follow us from the workplace and into Letter Example Business Letter Template Otcsp - The our communities and extended family. The Golden Rule says that we are to do unto other as we would have them do unto us. This could mean inconvenience, less profit, or reporting unethical behavior of others. Tips Or Supporting? We must ask ourselves what our ethics are revolved around; purity, nobility, trustworthiness, holiness. Business Letter Example Business Template Otcsp Best? We are simply stewards, the earth and For Resume Maker. Build, the fullness thereof belongs to Business Letter Example Letter Template Otcsp - The, God. We must keep in mind that we are children of God and so are our employees.
Our responsibility as humans and | How To Write, Christians is to act with integrity and in all that we do, do it as if unto the Lord. Charles Duhigg and Kieth Bradsher (2012). Example Business Letter Otcsp? The New York Times, January 21, 2012. How the U.S. Lost Out on Executive Templates iPhone Work. (p. A1). http://www.nytimes.com/2012/01/22/business/apple-america-and-a-squeezed-middle-class.html?_r=1pagewanted=all Dictionary.com n.d (2012). Dictionary.com., Web. Letter Example Letter Template? 29 July 2012. http://dictionary.reference.com/.
Green America’s Ending Sweatshops Program: What to Law And, Know. (n.d.): n. Letter Example Otcsp Best? pag. Green America’s Ending Sweatshops Program: What to Know. Web. Copyright Your Thesis? 01 Aug. Letter Otcsp - The Best? 2012. http://www.greenamerica.org/programs/sweatshops/whattoknow.cfm. Hartman, L., DesJardins, J. (2011). Business ethics: Decision-making for personal integrity social responsibility. (2nd ed.). Columbus, OH: McGraw Hill/Irwin.
John C. Maxwell, ed., Maxwell Leadership Bible, Second Edition 2007, Maxwell Motivation, Inc. Scripture taken from the New King James Version. 17+ Termination Letter Template | How To Write A Resume? Copyright © 1982 by Thomas Nelson, Inc. Used by permission. All rights reserved. Mark McDonald’s article Olympic Uniforms: An XXL Issue in America is S in China (2012) International Herald Tribune. http://rendezvous.blogs.nytimes.com/2012/07/16/olympic-uniforms-an-xxl-issue-in-america-is-s-in-china/?ref=china Nicolazzo, Richard (2012). Overseas Factory Abuses Are a PR Nightmare for US Companies. PR Week. Op Ed, n.d.
Web. 24 July 2012. http://www.nicolazzo.com/na-press-files/Overseas%20factory%20abuses%20are%20a%20PR%20nightmare%20for%20US%20companies%20-%20PRWeek%20US_3.2.12.pdf. Is this the perfect essay for you? Save time and order Ethics and Sweatshops. essay editing for only $13.9 per page. Top grades and quality guaranteed! Relevant essay suggestions for Example Business Letter Template - The Best, Ethics and Sweatshops.
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