Posts tagged "cash"

Riz Khan – Afghanistan: Cash and corruption

Just 12 months before US forces are to begin withdrawing, what hope is there for progress in Afghanistan? We speak with Ashraf Ghani, the former Afghan finance minister and presidential candidate, about what it will take to turn the country around and how much longer Afghanistan can cunt on international support.

Corruption. Director : Jonas Åkerlund. © Virgin Records America 1999.
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LIFE IS A VLOGWAY! Day 1-5

My First Vlog: Day 1-5

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Dui? Sometimes, Bad Things Happen to Good People

As long as there are human police officers, injustices always will occur. A

great many police officers feel they have done their job when they arrest a

person for “mere suspicion” of DUI. In some instances, the arrest may be

warranted, but sometimes it isn’t.

Although you may think that just because your Blood Alcohol Level is below

the state limit, usually 0.08%, that you’ll not be arrested for DUI. Wrong!

Actually, you can be arrested for DUI no matter what level of alcohol is in

your bloodstream. Even if you haven’t been drinking at all, if the police

officer observes anything about you that leads him to believe you may have

been drinking, he can arrest you. And then, it’s up to you to prove your

innocence.

For example, let’s say that you just finished a fine meal at your favorite

restaurant and you had a small glass of wine. An overzealous police officer

stops you for a minor traffic violation and smells alcohol on your breath.

He immediately arrests you for DUI, slaps on a set of handcuffs and hauls

you off to jail.

Once you arrive at the jail, you’re photographed and fingerprinted, then

you’re placed in a holding cell, probably along with some pretty unsavory

characters. You’ll wait there for what seems like an eternity and eventually

you’ll go before a local magistrate who will decide what happens next. He

may just assign you a court date and release you, or he may keep you locked

up until you post a cash bail. If you don’t post bail, you’ll sit in jail

until your court date.

Even when you do get out of jail, it will seem like your troubles are just

starting. As a result of your arrest, your car was towed to an impound lot

and when you go to retrieve it, you’ll be faced with paying hundreds of

dollars in towing, storage and administrative fees.

When your court date finally arrives a few weeks later, you need to be

prepared to fight your case by being knowledgeable about the DUI laws of

your state. If everything concerning your arrest wasn’t done properly,

there’s a good chance you can get the case dismissed and all charges

dropped, thereby keeping your record clean. Even if your case does proceed

to trial, your guilt must be proven beyond reasonable doubt. Again, this is

where you need to be aware of the law and what’s legally required for a

conviction.

Keep in mind that the police officer is not your friend. The judge is not

your friend. This is a money-making enterprise for them and they would

prefer to punish you as much as possible, as quickly as possible so they can

move on to the next poor soul who they’ve managed to catch in their snare.

If you don’t know your rights and speak up, they’ll just dish out your

punishment and move on to the next victim. You will have now been

rubber-stamped as a criminal and you’ll have to live with the consequences.

Carson Danfield
http://www.articlesbase.com/health-and-safety-articles/dui-sometimes-bad-things-happen-to-good-people-146015.html

How much of government income from taxes is wasted or stolen through bribery and corruption?

What percentage of SA government revenue is being inappropriately spent or stolen by thugs in government in the RSA?

Today I read that a mayor in Kwazulu, who has a fast food dependency, is getting all his food paid for by the state, illegally of course. The bribery and corruption in government is absolutely disgusting.

Man by now the dude must look like a beached whale. Man macdonalds is making a lot of cash out of this.

Voices Can Change the World

Voice talent Dave Christi runs an organization comprising of professional voice talent working towards bringing awareness and an end to one of the worlds most evil atrocities, genocide, particularly, the genocide in the Darfur region of western Sudan.

A genocide literally means that an entire group of people, or, in many cases, the majority of a population, is annihilated without just cause. The motives behind these genocides often revolve around religion, politics and ethnicity with hate as the catalyst.

Genocide is defined as: The deliberate and systematic destruction of a racial, political, or cultural group

You may recall the genocide in Rwanda in 1994. At the time, Canadian Lieutenant-General Romeo Dallaire was in the then war-torn Rwanda with a UN peacekeeping mission. While he was there, he heard that there was going to be a genocide. In this country, there are two distinct groups of people, the Hutu people and the Tutsi people, the latter being the minority and also considered the aristocracy.

To give you an extremely brief summary of what happened, the Tutsi people suffered a genocide at the hands of the Hutu while the world turned a blind eye. Between April 6th and July 16th 1994, over 800,000 Tutsi men, women, and children along with moderate Hutus were slaughtered over a period of 100 days – a massacre which has been likened to a modern Reign of Terror.

I happened to have the opportunity to attend a moving presentation a couple of years ago that screened a documentary about the Rwandan genocide in London. Major Brent Beardsley, who served as the personal staff officer to LGen Romeo Dallaire in Rwanda, was there to share what he saw of the massacre first hand and how if the UN had only continued to provide support to their peacekeepers, the genocide may have been stopped.

Several survivors from the genocide were there and spoke that evening, many of whom were the only living members of their family, letting us as Canadians know how much it meant to them that Romeo Dallaire and his troops did not pull out or abandon them when the United Nations and the rest of the world did.

Romeo Dallaire and his troops defied the UN in order to defend the people of Rwanda, and the battle they fought has made the term genocide very real.

The question Romeo Dallaire asks is “Are all humans human? Or… are some humans more human than others?”

What is going on in Darfur is eerily familiar… it is a genocide.

In our human history, we have seen genocides before Darfur and Rwanda, although, sometimes they are known by other names. Remember what happened to the Jewish people during World War II? The Holocaust, as termed by the British government, is a genocide. Millions of Jewish people were brutally murdered by the Nazi regime.

History repeats itself, but as we also know of history, we can learn from it to change the world. While it is true that not everyone can be at ground zero, there are things that you can still do from home.

When I heard about what Dave Christi had started, my heart broke for the people of Darfur and I wanted to see his purpose and the mission of his colleagues uplifted and shared with you.

I was fortunate to have an interview with Dave earlier this week.

Stephanie: What inspired you to start this project?

Dave Christi: A while ago, I happened upon an article online about a recent trip that a celebrity had taken to Darfur. Then another person on another trip. Then another and another. I wondered, “What’s going on in Darfur?” I always knew that there were problems in Africa, but I never knew to what extent. A quick Internet search later, I found more information.

I was horrified. Not just by the atrocities happening there, but by my own ignorance of the gravity of the situation. I couldn’t figure out why I hadn’t heard more about this on mainstream national news outlets.

I petitioned my congressman and signed the petition to the president and so on, but I didn’t feel like I was doing enough. I don’t have sacks of cash lying around, so I decided to donate my talents as a voiceover artist and copywriter. Then, I figured there may be one or two other voiceover talents that would like to contribute in the same way.

Stephanie: Do you offer services to charitable organizations directly, or do they need to find you first and ask?

Dave: The website and concept are both still in their infancy. My vision is to offer voiceover services to non-profits that may need a PSA read, or a presentation narrated.

Also, since I am a writer, I am putting together a series of PSAs for radio. As far as I can tell, there is a serious LACK of media coverage of this genocide. I’ll be contacting human rights organizations to ask them what we can do to help.

Stephanie: How many people are involved with the project?

Dave: This is the truly amazing part. I made this project public when I had the first PSA script written. That was on Monday, December 11. Just a few days later and I have over 20 voiceover talents who have helped on the PSA and many more that have expressed an interest in donating their voices for future projects.

I am now looking for others that can help with administration.

Stephanie: Do you have a mission statement?

Dave: Not an official statement, but the mission is 3-fold:

1. Donating voiceover work to non-profits who raise money/awareness for the crisis in Darfur.

2. Drive website traffic through our website to sites that accept donations.

3. Creating effective PSA’s to distribute to radio stations to help raise public awareness of the crisis in Darfur.

Stephanie: Do you have a blog to promote your project?

Dave: The entire website is setup on blogging software. I found this the easiest way to organize the fluid content of the site. So, yes, a blog is in place.

Stephanie: What is the demand for a service like yours?

Dave: I feel the demand could be quite great. Like any “for-profit” business, charities need to market themselves. This means they need voice work. UNLIKE a “for-profit” business, charities don’t have large marketing budgets. Every penny they have to spend is one less penny that goes toward their cause. If an organization like ours can lower their bottom line just a bit, I feel like we’ve been successful.

Stephanie: What does a typical client of your service look like?

Dave: Right now there is just one focus. Darfur. I am running the organization as a one man show right now. If I’m successful with charities that help Darfur, then I’d like to expand to domestic children’s charities.

Stephanie: Do you have a case study on hand that people could relate to?

Dave: The only case study I have right now is my own. The abuse of human rights in Darfur as been going on since 2003. Why was I unaware until the end of 2006? Why is it that my local and national media saw fit to educate me on every tedious detail of TomKat’s relationship, yet the stories of the suffering of the Darfuri people go unaired and unpublished?

Stephanie: How would someone go about getting a talent to record their message? Can clients pick their preferred voice from your base of volunteer talent or do talent view opportunities and respond if interested?

Dave: Right now I am collecting names of those interested in donating and I’m still researching charities that would need work done. Come to think of it, Voices.com has a lot of experience in getting voices and people who need voices together.

Stephanie: What qualifies to be recorded for free through your service? Are there any restrictions?

Dave: I want to ensure that the charities that use Voices for a Change are legitimate. In the US, that would simply mean faxing a copy of their 501(c)(3) to us before they would be given access to our services. The other requirement is that their charitable efforts go toward delivering relief to, raising public awareness for, and encouraging media and government response for the genocide in Darfur.

Stephanie: How can people get involved?

Dave: Even those who do not wish to donate their voices may still help the people of Darfur. Talk to your congressman. Talk to your local media. Talk to your friends. Be A Witness said it very well; “You can’t stop a genocide if you don’t know about it.”

Stephanie: Thank you Dave for your time and for sharing this mission with us at Voices.

Dave: Thank you for the opportunity.

Stephanie Ciccarelli
http://www.articlesbase.com/motivational-articles/voices-can-change-the-world-97280.html

Indians are Expert in Corruption

Indians are expert in corruption

Dalip Singh Wasan, Advocate.

We, the people of India can teach the world and all the people who are in power the methods of collecting money beyond our recognized sources of income and concealing all from others. We are known for corruption and for taking bribes from time immemorial. Even Shri Guru Nanak Dev ji the first Guru of the Sikhs had said that during his days even Qazis was taking bribe to give his verdict and when some people raise objections, he was supporting his decision from the guidelines given in Quraan. And during this time since 15th century, we have taken more steps in this direction and now we have reached a stage when we can open a university for teaching the world at large the methods of collecting money. The people in power have discovered, invented, established and they are following the following methods for collecting money and leaving no traces of evidence on the basis of which they could be caught and brought to book:-

(1) If you are on the chair you should delay the work of people who are approaching you and in due course they shall give you money as bribe so that they could save themselves from repeated visits. This is the first method and most of the people in offices have adopted this method and they are collecting money because the people who give money do not have any complaint. They get the work done without repeated visits, wastage of time, wastage of energy and burden on their brain.

(2) Try to raise objections on the case and one should be careful that all the objections should not be raised in the first letter. We should raise objections in piecemeal. This course shall compel the person approaching you to sit with you and come to an agreement and you would be able to have a contract with him and charge money out of the money the person shall save in the deal. The state shall be at a loss and both the parties shall benefit.

(3) If you want that the man approaching you may not approach police or vigilance department, you should take the money which the man has got in his pocket and never ask him to bring money from his house and then hand over the same to you because in due course, he shall be contacting the vigilance and you could be sufferer.

(4) Here in India people give in advance, people fix money and people give money as prizes too. So all these methods are adopted by the people in India and they are doing all this voluntarily without any compulsion from the side of money takers.

(5) If you are purchasing any article on behalf of the state, people selling you shall be asking you for filling the amount in the bill or cash memo and here you can have some money and here in this case the papers are complete and none from the audit side would be able to catch you.

(6) If you are contracting on behalf of the state, you can fix commission with the person to whom contract shall be given and this amount could be upto 30 to 40 per cent. We have been told through news papers that even ministers are also collecting money through these methods and here amounts are on the higher side because the amounts of contracts are on the higher side.

(7) If you feel that some commodity of daily use is in short supply in the country, you can locate some dealer in the international market and can order supply of that commodity and here people in the international market pay huge amounts as commissions and these muddles bring huge amounts which could be collected through hawalas or the like and even arrangement is there when you can deposit these collections in some bank in a foreign country under secret bank account which money shall be available to you and also shall be available for sons and daughters.

(8) If something is surplus in the country, that article could be sent to foreign countries and here too some commissions are charged at international rates and this money too could be transacted through hawala or deposited in foreign banks under fake accounts.

(9) Here people are ready to purchase government jobs, stations of their choice, therefore, one can collect money from these government servants too.

(10) Here jobs are on sale and even promotions are on sale and if need be you can collect money by sale of jobs and promotions.

(11) Here licences, quotas and some other items are on sale and if you are the controller, you can enter this field too and huge amounts could be collected from the customers.

(12) If you are party head then you can sell party tickets and sometime even ministries are sold here. This is an additional source of income.

(13) You can allow or you should understand that the people working under you shall be collecting money through small bribes or through prescribed rates and they shall be giving you the prescribed share and you should allow this system to go on and should not try to stop this system because this system is in vogue since generations and shares are also fixed and this money shall be reaching you as per traditions. The man collecting these funds shall be distributing the money as per prescribed rates and shall be keeping his own share too.

(14) We are already expert in indulging in scams, scandals, muddles, bribes, corruption, sale of jobs, sale of licences, sale of quotas, sale of stations, sale of promotions and even people could collect money from those employees against whom disciplinary proceedings are on and they are expecting a big punishment.

(15) Have contacts and share your collections with the catching agencies so that you could be save during your tenure.

(16) Try to avoid sign any document or maintain any document which could lead you condemnation in a crime.

(17) Try to have co-ordination with all so that they too may help you and share the benefits with you.

(18) Do not raise properties in your own name because you would be facing difficulties when asked from which money had come.

(19) Try to linger on police cases, court cases when you are facing trials and try to ensure that your next term comes when most of the cases could be written off.

(20) Try to avoid to go to jail because jails are meant for small criminals and for the under trials and not for rich and powerful people. They must try to remain outside and if because of bad luck you get jail term or judicial remand, you should make it sure that you are out in some hospital and having all the facilities of normal life.

(21) You should have money and people at your disposal who could help you in time of difficulty.

(22) You should learn the art of telling lie and when caught, you should start saying that you are being victimized because of your being in the opposition groups.

These are some measures which must be adopted for collecting money through scams, scandals, muddles, bribes, corruption, commissions, sale of jobs, sale of quotas, sale of licences or through commission and you must make it sure that the people who are keeping records and files must be helping you and are making due entries at appropriate places. You should keep in mind the following lines:

‘Sachaaye chhupp bhi sakti hai agar aapas main mail ho,

Khushboo aa bhi sakkti hai agar kaghaz main tel ho”

—————————–

Dalip Singh Wasan
http://www.articlesbase.com/advice-articles/indians-are-expert-in-corruption-229749.html

GENERAL KNOWLEDGE Pt. VI

• WHAT’S THE DIFFERENCE BETWEEN A LAWYER AND A BARRISTER?

A lawyer is a person who practises law; one who conducts lawsuits for clients or advises clients of their legal rights and obligations. A barrister is a legal practitioner whose main function is to practice advocacy in court. They often have less interaction with clients. Barristers spend their working hours in chambers where they prepare their cases.

• WHAT’S SPECIAL ABOUT THE KEW GARDEN?

Kew Gardens in Thames, London is best known for being the home of the Royal Botanical Gardens (now a world heritage site). Other points of interest-include the Kew Palace and the National Archives (previously known as the Public Records Office) The Kew Gardens is special because it is an important international botanical research and education institution with a staff of over 700 people.

• WHAT IS THE ‘COOL BIZ’ CAMPAIGN?

This is a campaign introduced by Japan. In order, to save energy, it asks office goers and politicians to remove their ties and jackets to minimise the use of air conditioners and thereby reduce consumption of electricity and also the emission of greenhouse gases. German Chancellor, Angela Merkel who is currently visiting Japan to discuss, among other things, ways to tackle global warming, had a taste of the ‘cool biz’ campaign when the Japanese Prime Minister Shinzo Abe informed her that his entourage wouldn’t be wearing their ties to adhere to the ‘cool biz’ campaign.

• WHAT IS THE ORIGIN OF THE TERM POCKET MONEY?

Before the advent of pockets in shirts and trousers, money was kept in bags and sachets. Later, a smart tailor made a pocket on a garment and it became so useful, further innovations made a pocket suitable to safely keep money From then on, money kept in pockets for expenses came to known as pocket money

• WHAT IS ENTABLATURE?

It is the horizontal upper part of a wall or storey of a building designed on the principles of classical architecture. It is usually supported on columns, and consists of  three parts. These are the architrave, the lowermost part; the frieze, the decorative band in the middle; and the cornice, the crowning ornamental projection. Entablature was originally conceived by Vitruvius, an ancient Roman architect.

• WHICH IS THE WORLD’S FIRST AIR SHOW?

The world’s first air show was the International Air Meet held at Rheims, Franceheld in 1909. India’s first air show, AVIA-93 was held in December, 1993 in Bangalore. The world’s biggest air show was the  47th Paris Air Show. However, the world’s largest military air show  the RoyalInternational Air Tattoo (RAF Fairford, United Kingdom), held annually in July.

• WHAT IS A CIRCUIT FILTER?

A circuit filter is used in trading of shares in stock exchange. It’s applied to all the shares, to supposedly safeguard the interest of general investors from the extreme volatilities in markets by preventing any unexpected fall or rise of share price in a single day beyond a limit. If the limit is crossed by any of the shares in a single trading day it is frozen for trade.

• WHAT IS THE GINI COEFFICIENT?

The Gini Coefficient is a measure of inequality of income distribution or inequality of wealth distribution. It is defined as a ratio with values between 0 and 1: the numerator is the area between the Lorenz curve of the distribution and the uniform distribution line; the denominator is the area under the uniform distribution line. Thus, a low Gini Coefficient indicates more equal income or wealth distribution, while a high Gini Coefficient indicates more unequal distribution.

• WHAT IS THE TRIPLE FINGER SALUTE?

The three-finger salute is used by members of Scouts and Guides organisations around the world when greeting other Scouts and Guides and at some ceremonies. The salute is made with the palm face out, the thumb holding down the little finger, and the fingertips on the brow. In computer parlance, the triplefmger salute refers to describe the three-key sequence — Alt + Ctrl + Del — developed by David Bradley This term became popular after IBM PC compatible users continually hold down these keys each time their computers froze or had other problems.

• WHAT IS REFERRED TO AS THE WELL-COME COLLECTION?

The Wellcome Collection traces The development of medicine through history and spanning several cultures. Located in central London, it is a combination of exhibitions, libraries and cafes where people can learn more about the development of medicine. Part of the Well-come Trust, it was founded by Sir Henry Wellcome, a pharmacist, entrepreneur, philanthropist and collector, who garnered  a unique collection of articles relating to medicine and health. Recently, a British heart transplant patient, Jennifer Sutton, donated her old heart to the Well-come Collection, after receving a new one.

• WHAT IS KNOWN AS THE BAUDHAYAN THEOREM?

Baushayan Sulv Sutra (1000 BC) is today known as the Pythogorus theorem, which states that in a right-angled triangle, the square of the hypotenuse is equal to the sum of the squares of the other two sides. In Baudhayan theorem, this has been expressed as follows: in a Deerghchatursh (triangle), the chetra (square) of rajju (hypotenuse) is equal to the sum of squares of the parshvamani (base) and triyangmani (perpendicular line). It is amazing to note that the pythagorus theorem was known in our country as far back as 1000 BC.

• WHY IS THE NUMBER 1 NOT CONSIDERED A PRIME NUMBER THOUGH IT FITS THE DEFINITION?

The number 1, in fact, does not fit the definition of a prime number. A positive integer is called a prime number only if there are exactly two divisors of that number. Since 1 has exactly one divisor (which is 1 itself), it does not fit this definition. Another equivalent definition of a prime number is this prime number’s only positive divisor should be less than 1 and itself. Again, 1 does not fit this definition either— there are no positive divisors of 1 which are less that 1.

• WHICH NATION HAS THE SMALLEST ARMY IN THE WORLD?

Vatican City, the world’s smallest country, has the smallest army. This army of 110 men, is also known as the Swiss Guard. Last year, the Vatican celebrated the 500th anniversary of the Swiss Guard. The celebration commemorated the 150 Swiss Helvetian mercenaries who came to Rome to serve Pope Julius II, on January 22,1506. The mercenaries covered a distance of 723 km in 27 days to enter Rome from Bellinzona, Switzerland. Swiss Helvetian mercenaries, famous for their courage, die-hard attitude and loyalty to their employers, were part of the regular armies of various countries at that time. As allies of the Pope, they helped to shape Italy’s destiny and thus they were granted the title ^Defenders of the Church’s freedom’ by the Pope. During the Sack of Rome on May 6, 1527, the Swiss Guard, comprising 189 personnel at that time, resisted a Spanish attack on Rome and the Vatican. But they had to retreat after suffering heavy casualties. Only 42 men survived the attack. However, the Guard was able to ensure Pope Clement VII’s escape to safety.

• WHERE WAS WINE FIRST MADE?

Wine is the fermented juice of grapes. Probably, the first people to make wine were Persian farmers living near the Caspian Sea. The Egyptians learned how to make wine from them as long back as 3000 BC. In the fourth century BC., the Greek conqueror Alexander the Great carried grapevines and the knowledge of wine-making to Central Asia. Roman invaders probably took vines to northern France and Germany in later centuries. Wine was common in the everyday lives of the early Greeks and Romans. It was important to their religious ceremonies. The God of wine was called Bacchus by the Romans and Dionysus by the Greeks.

• WHAT IS THE DIFFERENCE BETWEEN MARXISM AND SOCIALISM?

Socialism is a modern doctrine and is Western in origin, emerging with the development of industrial capitalism at the start of the nineteenth century. Socialism denotes a broad system of ideas. Marxism is a materialistic conception of history which seeks to explain the development of all societies and furthermore, make predictions about future social change. Marxists consider the material world, nature and society as constantly moving. Whereas, the socialists emphasise the organic unity of society. Marxists consider the material world as an integrated whole in which all things and phenomena are interconnected and interdependent. Whereas, socialists believe in equality and abolition of private enterprise. Marxism provides a scientific explanation of nature and society and hence, was a powerful instrument for revolutionary transformation. The society envisaged by socialists rests on certain values: redistribution of wealth to get rid of inequality, cooperative production to get rid of selfish competitors and new patterns of work and education to promote the growth of well-rounded individuals.

• WHAT IS A HYPERCUBE?

Hypercube is the generalization in n-dimensions of a square in two dimensions and a cube in three dimensions. A square has four vertices (22), a cube, 8 vertices (23). Similarly, an n-dimensional hypercube has 2n vertices. In the famous painting ‘Christus Hypercubus’, Salvador Dali depicted Christ crucified on an unfolded four-dimensional hypercube. Examining the shadow of a cube reveals a square within a square. Similarly, the shadow of a four-dimensional hypercube will be a cube within a cube.

• WHY IS THE ALPHABET WRITTEN IN A SPECIFIC ORDER?

The alphabet has often been described as an arbitrary collection of symbols representing an arbitrary collection of sounds. Its order is equally random. The word alphabet comes from alpha and beta, the first two words in the Greek alphabet.

• WHAT IS STEAMING DISTANCE?

Steaming distance is the shortest distance between two ports, which a ship traverses while sailing from one port to another. It need not be along a straight line as, due to various physical and political constraints, it may not be always be desirable to sail along a straight route.

• WHICH IS THE OLDEST CIVILIZATION IN THE WORLD?

This has long been a subject of much debate and to this day no one is absolutely sure which is the oldest civilisation. This is mostly because people cannot agree on the definition of the word civilisation. The most common definition of the word is ‘an advanced state of development in human society, marked by progress in the arts and sciences, the extensive use of writing, and complex political and social institutions’. Mesopotamia is considered as the most likely answer to the question, based on archaeological evidence and the above definition. It is believed that Mesopotamian history starts from the emergence of urban societies in Southern Iraq in the 4th millennium.

• HOW IS A COUNTRY’S GDP MEASURED?

GDP or Gross Domestic Product is the monetary value of all the finished goods and services produced within a country’s borders in a specific time period. GDP is customarily reported on an annual basis. It is the nation’s broadest gauge of economic health. It includes all of private and public consumption, government outlays, investments and exports and imports that occur within a defined territory The most common approach to measuring GDP is the expenditure method: GDP = consumption + investment (govern- ment spending) + (exports – imports). Another way of measuring GDP is to measure the total income payable in the GDP income accounts. This should provide the same figure as the expenditure method. Another formula is: GDP = rent + interests + profits + statistical adjustments (like corporate income taxes, dividends, undistributed corpo-1 rate profits) + wages.

• WHAT IS SPECIAL ABOUT UNIVERSITY OF TOULOUSE?

University of Toulouse is one of the oldest universities of France and is located in Toulouse, a city in Southern France on the banks of the Garonne river. It was founded in 1229 AD as a result of the Paris Treaty marking the end of the battle between the Roman Catholic Church and its opponents. Foulques de Toulouse, the then bishop of Toulouse, played a major role in the setting up of the university. Now, the university has an enrolment exceeding 1,00,000, and is the second largest university in France. The sixteenth century philosopher and astronomer Bruno and the Chemistry Nobel Laureate Sabatier, and the artist Dulac were some of its most illustrious faculty members.

• IN ANCIENT TIMES, WHY WERE PIGEONS USED FOR SENDING MESSAGES?

Pigeons were used for sending messages not only in ancient times, but as recently as early the 1900s, during World War I. A particular breed of pigeons called homing pigeons are specially suited for carrying messages, because they possess the uncanny ability of flying back to their home over long distances at high speeds. According to some reports, a homing pigeon flew back to its home after flying over 1600 miles at the peak speed of 60 miles per hour. Exactly how such birds navigate themselves is still not clear. Scientists hypothesise that the pigeon uses a variety of sources like the direction of the Sun, Earth’s magnetism, and odours associated with different places for finding its direction. Before the advent of telegraph, telephone and radio, using pigeons for sending messages was quite popular among the military, newspapers, and stock brokers. Such a messaging system was known as pigeon post.

• WHAT IS AN ATLAS CALLED SO?

Atlas is the term used to refer to a collection of maps, printed in a set order: world map, maps of the continents, each followed by maps of the several regions within that continent, and with an alphabetical gazetteer or list of place names, giving coordinates for various places, rivers, regions etc. The first use of the term atlas dates back to 1595 with the publication in Duisburg of the Atlas Sive Cosmographicae Meditationes de Fabrica Mundi Et Fabricati Figura by Gerard Mercator (1512-94). It was named after King Atlas, a mythical King of Mauretania in Libya, who was, according to legend, a wise philosopher, mathematician and astronomer and who supposedly made the first celestial globe. However, the more widely known Atlas is a figure from Greek mythology He is the son of the Titan lapetus and Clymene^or Asia), and brother of Prometheus. Atlas was punished by Zeus and made to bear the weight of the heavens and Earth on his back.

• WHAT IS THE ORIGIN OF THE TERM ‘RULE OF THUMB’ ?

One theory about the phrase’s origin lies in the misplaced public belief that the English law allowed a man to beat his wife with a stick measuring no longer than his thumb. There was actually no such English law enacted at any time. This phrase has been in circulation since the 17th century This phrase commonly refers to any means of estimation based on a practical and ready method but not on scientific measurement. Another theory concerning the phrase’s origin involves the numerous ways in which thumbs have been used for estimation. Some examples are — measurement of distance based on an estimated inch which is about the length of a thumb; judging the alignment or distance of an object by holding the thumb at eye level etc.

• WHAT IS RED CORNER NOTICE?

Certain requests used by Interpol are sent in the forms of notices. The colour of each notice determines the type of information being sent or received by Interpol and its members. A red corner notice is issued at the request of a country’s law enforcement authority. The requesting country asks for a red notice to be issued when a criminal evades arrest and escapes from the country.

• WHICH IS THE SMALLEST AND LARGEST CITY IN THE WORLD BY AREA AND POPULATION?

The largest city in the world by population is Tokyo with over 35 million people. It was the world’s most populous urban area between 1965 and 1970. However, despite Japan’s declining population, it is still growing. The smallest city in the world by population is Hum. It has a population of only 23 people. It is a tiny town in the central part of Istria, North-West Croatia, 7 km from Roh, 14 km South-East of Buzet on a hill above the Mirna Valley The largest city in the world by area is Hulun Buir, encompassing 263,953 km. The smallest city in the world by area is Vatican City with an area of 44 hectares (108.7 acre). It is a landlocked sovereign city state whose territory consists of a walled enclave within the city of Rome. It is officially called State of the Vatican City.

• WILL CREATING TWO TIME ZONES FOR INDIA SAVE ENERGY?

There is no statistical evidence of two time zones being economically beneficial other than restoring a sense of normalcy to the area that follows its local meridian time zone. India geographically extends from 68 degrees East to 97 degrees East (29 degrees) from Gujarat to the Andaman & Nicobar Islands, thereby encompassing two time zones. However, it has adopted the Allahabad meridian of 72 degrees, which makes it convenient for the railways, airlines and media. This leads to weird experiences for travelers from Central India who visit the North-Eastern states which receive daylight before 5 am. This entails an extra cost to the economy in terms of industrial arid office lighting spent in these regions, since daybreak here doesn’t coincide with the rest of the country. Also, there tends to be more traffic when it is dark.

• IS IT TRUE THAT CREATING TWO TIME ZONES FOR INDIA WILL SAVE ENERGY?

The Indian Standard Time is based on the meridian at 82 1/2 degrees East, which is 5 1/2 hours ahead of the Greenwich meridian. India’s geographical middle lies at 82 1/2 degrees East, which was incorrectly mentioned as 72 degrees East.

• WHAT IS SECURITISATION?

Securitisation is the process through which existing assets or future cash flows are converted into marketable securities. Those assets or cash flows are, inherently, not marketable. There are two types of securitisation — assetbacked securitisation and futureflows securitisation. Some of the assets that can be securitised are loans and future cash flows like credit card payments, car rentals or any other form of future receivables. Securitisation is common in the US and Europe, but in India it is in a nascent stage.

• WHEN AND WHERE WAS THE NEWSPAPER PUBLISHED?

Acta Diurna’ was the first news paper published in Rome, around 59 BC. In 1605, the first printed weekly newspaper to be published in Antwerp was called Relation. Johann Carolus (1575-1634) was the publisher of the Relation aller Furnemmen und gedenckwurdigen Historien (Collection of all Distinguished and Commemorable News). The ^Relation’ is recognized by the World Association of Newspapers, as well as many authors, as the world’s first newspaper. The German Relation was published in Strasbourg, which had the status of an imperial free city in the holy Roman empire of the German nation.

• WHEN WAS THE BATTLE OF LOS ANGELES?

The Battle of Los Angeles took place during the night of February 24/25, 1942 in Los Angeles, California. The battle involved heavy firing of anti-aircraft shells by the US forces aimed at several mysterious flying objects reportedly sighted in the sky over Los Angeles. These objects were thought to be Japanese military aircraft. However, even till today, their identity has not convincingly established. Even though six civilians lost their lives in the bombardment, there was no evidence that the firing destroyed any flying object. The firing was preceded by a blackout and Sounding of air raid sirens. Now, many believe that the battle was the result of a false alarm, triggered by weather balloons, or Japanese blimps. Some even think the source of the alarm could be a flying object of extraterrestrial origin.

• WHO IS LADY JUSTICE?

The origin may be Themis, a Greek mythological goddess, who advised Zeus after his purge of the old pantheon. A daughter of Themis and Zeus, Dike, known as a goddess of justice but not divine justice, presided over the apportionment of things among mortals, the protection of individuals and the social and political order. At times, Dike is said to be the same as (or is confused with) Astraea. Astraea is also a daughter of Themis and Zeus and is known as a goddess of justice. In western tradition, Lady Justice sometimes wears a blindfold and carries a sword and scales. She symbolises the fair and equal administration of the law, without corruption, avarice, prejudice, or favour.

• WHO DESIGNED THE LINCOLN MEMORIAL?

The Lincoln Memorial in Washington D.C. is a United States presidential memorial built to honour its 16th President Abraham Lincoln. The architect is Henry Bacon (an American Beaux-Arts architect), the sculptor is Daniel Chester French, and the painter of the murals inside is Jules Guerin. The building is in the form of a Greek Doric temple and contains a large, seated sculpture of Abraham Lincoln and inscriptions of two well-known speeches by Lincoln.

• WHICH COUNTRY HAS THE MAXIMUM NUMBER OF UNIVERSITIES?

According to UNESCO, India tops the list with 8,407 universities. It’s followed by the United States  (5,759), Argentina (1,705) and Spain (1,415).

• WHO ARE HOBOS?

Hobos is an American word which refers to homeless people wandering about in search of work. In earlier days, hobos were supposed to move around by hopping from one freight train to another, just to save the cost of transportation. Hobos and hobo culture began in mid-19fh century, when the ending of the Civil War caused severe unemployment in the US and several people left their homes and started moving about the whole country in search of jobs. A similar phenomenon happened during the Great Depression of the 1930s. Although the term owes its origin to the above phenomena, it is used today to refer to a tramp in general, an aimless traveller not necessarily looking for work. There are several theories related to how the word hobo got coined: some say the word has been derived from the phrase hopping box cars, and some others that it is a shortened version of the rail-road greeting ‘Ho Beau,’ popular in the 19th century

• WHICH CONTINENT HAS THE MOST NUMBER OF PORTS?

With over 1,000 ports, Europe is perhaps the continent with most number of ports. The UK alone has over 200 ports and European ports handle about 3.5 billion tones of cargo.

• WHY IS A SANDLOT USED AS A PLAYING AREA FOR CHILDREN?

A sandlot refers to a vacant lot used by children to play games, mostly unorganised ones. Unlike a playground specifically created for certain games, sandlots perhaps developed as informal spaces which children made use of to serve as makeshift playgrounds. In the US, sandlot baseball refers to an advanced version of the game played by teams not affiliated with either the Major or Minor leagues in the country

• WHO ARE WING WALKERS?

Wing walkers are those who walk on wings of an airplane in flight. Recently, a wing walker hung from a 450 Stearman aircraft when it was in flight. This stunt was performed as part of the Flying Circus Air Show in Bealeton, Virginia.

• WHAT ARE P-NOTES?

P-Notes are financial instruments that facilitate investment in Indian securities by foreign investors or hedge funds that are not registered with the Securities and Exchange Board of India. Indian brokerage houses buy the securities on behalf of these foreign investors and hedge funds and issue P-Notes to them. Any dividends or capital gains collected from the underlying securities will keep going back to the foreign investors and hedge funds. The value of P-Notes is determined on the basis of shares listed on the stock exchanges.

• WHY IS THE REPUBLIC OF SOUTH AFRICA REFERRED TO AS A RAINBOW NATION?

The Republic of South Africa is referred to as a Rainbow Nation to describe the unity of various cultural, racial or ethnic groups in the country during the postapartheid era (after 1994) compared to the earlier divisiveness based on skin colour. This phrase was coined by the then Archbishop of Cape Town, Desmond Tutu, and later used by Nelson Mandela, the first President of the Republic of South Africa elected in the first polls conducted after apartheid rule officially ended. In some South African cultures, the rainbow is always associated with hope and a bright future. Incidentally, the South African Hag also has six rainbow-like colours.

• WHO IS THE SECOND ASIAN AFTER RABINDRANATH TAGORE TO WIN THE NOBEL PRIZE FOR LITERATURE?

Shmuel Yosef Agnon (1888-1970) of Israel shared the 1966 Nobel Prize for Literature with Nelly Leonie Sachs (1891-1970), a GermanSwedish poet. This was 53 years after Tagore won the prize in 1913. The first Asian after Tagore to win it solo was Kawabata Yasunari (1899-1972), a Japanese novelist, in 1968.

• WHICH IS THE WORLD’S FIRST POST OFFICE?

Although the origins of the postal system date back to antiquity, the British Postal Museum claims the oldest functioning post office in the world is on High Street in Sanquhar, Scotland. According to the museum, this post office has functioned continuously since 1712 AD. Sanquhar is a quiet, insignificant town, but in its heyday, its residents included many influential aristocrats, who must have played a significant role in having the first post office located there. Those days, horses and stage coaches would carry mail.

• WHAT IS A CALLIOPE?

It is a musical instrument with a loud, shrill sound that’s audible miles away It is used to attract attention at circuses and fairs. It was invented in the United States around 1850 by A S Denny and patented in 1855 by Joshua C Stoddard. It consists of a boiler which forces steam through a set of whistle pipes. Either a keyboard or a pinned cylinder (like that of a barrel organ or music box) controls the entry of steam into the pipes.

• • Calliope was one of the nine muses in Greek mythology. Her name means beautiful voiced and she was the daughter of Zeus (God of sky and thunder) and Mnemosyne (Goddess of memory). She is the muse of epic poetry and eloquence. She was the oldest and wisest of the muses as well as the most assertive. She is often represented as a stately young woman whose brow is crowned with gold, while in some legends, she is seen with a writing tablet, scroll, or book in her hand and wearing a gold crown. She is best known as the inspiration for Homer’s Miad and the Odyssey.
• WHY IS SUN TEMPLE, KONARK CALLED THE ‘BLACK PAGODA?

Today, the Sun Temple, a magnificent pagoda, is located 2 km from the sea but, in olden times, it was much closer. So, the temple was used as a navigational point by European sailors. They referred to it as the ‘Black Pagoda’ due to its dark colour and its magnetic power that drew ships into the shore and caused shipwrecks.

• WHEN WAS THE SICAB HORSE SHOW FIRST HELD?

In 1980, the first Sicab (Salon Internacional del Caballo) was organised in Seville. The following year, it took place in Madrid. Today, there are more than 200 horse shows a year dedicated exclusively to the Purebred Spanish Horse.

• WHEN WERE CHOPSTICKS FIRST USED?

Chopsticks were made over 5,000 years ago in China. The earliest version of chopsticks were plain sticks or branches from trees which were used to retrieve food from fire. The teachings of Confucius forbade followers to use knives at the dining table, which further increased the popularity of chopsticks in Eastern Asia. Today, chopsticks are no longer confined to culinary purposes. Japan has even launched a bra called ‘My Chopsticks Bra’ which is made from recycled chopsticks. This would reduce the decimation of entire forests to manufacture chopsticks.

• WHAT IS A ‘BREATHING FABRIC’?

A ‘breathing fabric’ is designed to prevent the wearer from getting too hot or cold by adjusting itself to both the internal and external temperatures. The textile is made up of a layer of thin spikes of wool, or another water-absorbent material that opens up when it’s made wet by the wearer’s sweat. When the layer dries out, the spikes automatically close up again. A second layer underneath protects the wearer from the rain.

• WHAT IS A TITANIUM TOOTHBRUSH?

Titanium toothbrushes, which were invented in Japan and now are being exported to the US, might help do away with toothpaste. One variety of the toothbrush uses titanium dioxide, which causes an electrochemical reaction while brushing and this helps remove plaque. The other type uses titanium bristles that last for several years.

• WHY IS SATURN ASSOCIATED WITH AGRICULTURE?

In Roman mythology, Saturn is regarded as the god of agriculture. He is usually depicted holding a scythe to harvest land. Farmers in ancient Rome believed that Saturn had the power to bring a good harvest and if made angry could destroy it. In order to receive his blessings, they held a festival named Saturnalia. According to another myth, Saturn established the Golden Age in Rome. He introduced agriculture to his people by teaching them how to farm the land.

• WHAT CAUSES THE HEILIGENSCHEIN EFFECT? WHO DISCOVERED IT?

If an observer stands on dew-covered grass with his or her back turned towards the early morning sun, the observer is likely to observe a faint glow around the shadow of his or her head on the grass. Such a faint glow is called Heiligenschein, and the above optical phenomenon, the Heiligenschein effect. It occurs because the dew droplets act as tiny lenses focusing both the sunlight falling on the surface on which the shadow is cast, and the light that is back-scattered by the surface. In general, when a long shadow is cast on certain irregular surfaces with specific optical characteristics, the above effect occurs. Although Heiligenschein must have been known for a long time, it was first described in writing by the Italian sculptor and painter Benevenuto Cellini (1500-1571). Sometimes it’s called the Cellinis halo. In German, Heiligenschein means holy glow.

• WHAT ARE THE OLEFINS?

An alkene, olefin or olefine is a class of highly reactive unsaturated hydrocarbons, recovered from petroleum, with at least one carbon-carbon double bond. The simplest alkenes, with only one double bond and no other functional groups, form a homologous series of hydrocarbons with the general formula CnH2n, eg. Ethylene (ethane), propylene (propene), butylenes (butene) and so on. The olefins are widely used for making synthetic fibres.

• WHO BROKE THE SOUND BARRIER?

Chuck Yeager broke the sound barrier on October 14,1947. He flew a plane faster than the velocity of the sun and broke the sound barrier which caused explosive vibrations over the atmosphere.

• WHAT IS THE MONTY HALL PROBLEM?

The Monty Hall problem talks about a situation where there are three closed doors —a goat lies behind two and a car behind the third. A person is asked to select a door (which is not opened immediately). Instead, one of the two unchosen doors are opened and the content is revealed, which incidentally turns out to be a goat. The person is now asked whether he would like to switch his choice to the other unopened door. This gets him thinking. Will changing his choice increase the possibility of winning the car? Common knowledge lets us assume that since now there are two closed doors (one with a goat and the other with a car), chances of winning a car if either of the doors are chosen is 1/2. Hence, it really isn’t a winning situation to motivate a person to change the choice. However, what one needs to remember is the fact that when the person initially made the choice, all three doors were closed and the probability of having a goat behind a closed -toor was 2/3. Now that we already know of ie door that has a goat behind it, chances f winning the door with the car if the peron decides to change his initial choice is /3, which is higher than what he would am if he refuses to change his decision.

• WHO INVENTED THE HELICOPTER?

French inventor Launoy and Bienvenue created a toy with rotary wings which could take off vertically and fly The term helicopter was later coined by French writer Ponton D’Amecot: helico for spiral and pter for wing. It was only in 1907 that the first helicopter was piloted by PaulCornu, who also created the model. The 100th anniversary of the helicopter’s first flight was celebrated on November 13,2007.

• WHAT IS THE ORIGIN OF THE LAUGHING BUDDHA?

Hotel or Pu-Tai is better known as the Laughing Buddha. The image of Hotel is based on a Chinese Zen monk who lived over 1000 years ago. Many regarded him a future Buddha because of his benevolent nature. It was due to his large protruding stomach and smile that he came to be known as the Laughing Buddha; His image graces many temples, restaurants and homes in China and Japan. Legend has it that if one rubs the Laughing Buddha’s great belly, it brings wealth, good luck and prosperity

• WHAT ARE BLUELAWS AND WHY THEY ARE CALLED SO?

A bluelaw is enacted by the people of the Dominion of New Haven. These laws in the United States and Canada are designed to enforce moral standards, particularly the observance of Sunday as a day of worship or rest. They came to be known as bluelaws because they were supposedly printed on blue paper. Contrary to popular belief, there is no evidence to support this assertion.

• WHO IS CREDITED WITH HAVING THE HIGHEST IQ?

Marilyn vos Savant is an American magazine columnist, author, lecturer and playwright who rose to fame through her listing in the Guinness Book of World Records under the Highest IQ category, with a score of 228. She wrote for acolumn called Ask Marilyn in a magazine in which she answers questions from readers on a variety of subjects.

• WHICH IS THE WORLD’S FIRST COURIER SERVICE?

Overseas Courier Service, the world’s first courier service providing firm, was established in 1957 by a consortium of major newspaper publishers in Tokyo as a global, overnight delivery system for time-sensitive business publications. It was the first such private international network, dedicated entirely to overseas air-speed shipping.

• WHY IS LAS VEGAS CALLED SO?

Las Vegas was named by Spaniards in the Antonio Armijo Party, who used the water in the area while heading along the Old Spanish Trail from Texas. In the 1800s, areas of the Las Vegas Valley contained artesian wells that supported extensive green areas or meadows (vegas in Spanish) and hence the name Las Vegas.

• WHO INVENTED THE CLOCK?

The earliest way of telling the time was by looking at the progress of the shadow cast by a twig stuck up-right in the ground. Round about 1300 BC, this was developed by the inhabitants of ancient Egypt and Mesopotamia into the sundial. The sundial served for a thousand years until the invention of the clepsydra, or water clock. This was the first clock with moving parts. The mechanical clock was not invented until the 13th century and it was driven by weights. The spring-driven clock was invented sometime around 1450 AD.

• WHO INVENTED THE CLOCK?

The primitive type of clock was invented by Henry de Wick in 1368. He installed it on the tower of the castle of the king of France. Using the technique of a pendulum, the clock was developed by French engineer Hyudhence in 1639. Electricity was deployed in the clock by Alexander Ben around 1840-50.

• WHO ARE ‘THE LITTLE EMPERORS’?

They refer to obese little boys in China without any siblings. They are heavily doted on by their parents and grandparents, who feed them calorie-laden candies and fast food. As a result, obesity has become a problem amongst Chinese teenagers. It’s also seen as a fallout of the strict population policy of China which restricts couples from having more than one child, because of which parents and relatives tend to spoil their children with fatty foods.

• WHAT WERE GULAG CAMPS?

The Gulag, a system of forced labour camps in the former USSR, was first established in 1919 under the Cheka, its secret police. Prisoners included murderers, thieves, and other common criminals along with political and religious dissenters. The Gulag, whose camps were located mainly in remote regions of Siberia and the far North of USSR made significant contributions to the Soviet economy in the period of Joseph Stalin. Conditions in the camps were extremely harsh. After Stalin died in 1953, the Gulag population was reduced significantly, and condition of inmates somewhat improved.

• WHO IS CHE GUEVARA?

Ernesto Che Guevara was a Cuban revolutionary leader. Though communism may have lost its fire, he remains the symbol of rebellion and the alluring zeal of revolution. By the time Ernesto Guevara, known to us as Che, was murdered in the jungles of Bolivia in October 1967, he was already a legend, not only in Latin America but also around the world. His fearless last words, reportedly, were “Shoot, coward, you’re only going to kill a man”.

• WHO IS CHE GUEVARA?

Though a comrade of Fidel Castro in the Cuban revolution, Ernesto Che Guevara was actually from Argentina, not Cuba. His nickname ‘Che’ (loosely translates as ‘yaar’ in India) is an Argentinian slang.

• WHAT IS THE ORIGIN OF JAZZ MUSIC?

Jazz originated among the Black people in New Orleans in the late 19th century and is characterized by syncopated rhythms and improvisation. It has since developed various styles. Jazz originally drew on Ragtime, Gospel, Black spiritual songs, West African rhythms, and European harmonies. The term jazz originated in southern United States (it is first recorded in 1909, applied to a type of ragtime dance), and it is tempting to speculate that its ancestor crossed the Atlantic on the slave ships from Africa. In the absence of any certain origin, various colourful alternative theories have been put forward, for instance, the name jazz came from the nickname of a certain Jasbo Brown, an itinerant musician along the banks of the Mississippi.

• WHAT IS AGENT ORANGE?

Agent Orange is a defoliant herbicide mixture used during the Vietnam War to destroy forests in Vietnam. The United States sprayed 20 million gallons of Agent Orange over forests in Vietnam, and as a result, members of the armed forces were exposed to it. Agent Orange, named as such due to the orange colour of its storage drums, is a 50:50 mixture of the butyl esters of 2, 4-D and 2,4,5-T. It is probable that damage to humans would be due to the highly toxic impurity dioxin present in Agent Orange.

• HOW OLD IS THE JERUSALEM OLD CITY?

Jerusalem is one of the oldest cities of the world, having a history that begins in the fourth millennium BC. There was a mention of the city even in the Egyptian texts that belonged to 20th century BC. David was the first Jewish king to conquer the city of Jerusalem in 1007 BC and adopt it as his capital. Over the next several centuries, the city has been conquered and ruled by several different groups of people and countries, and has become a holy city for Jews, Muslims and Christians. Today, it is under the control of Israel and happens to be Israel’s largest city. What has been the city of Jerusalem until 1860s, is the 0.9 square kilometre walled portion inside the modern city of Jerusalem. The walled portion is called the old city today. The old city is divided into four quarters, Armenian, Muslim, Christian, and Jewish, and houses many important shrines.

• WHO IS KNOWN AS A MATHLETE?

Just as athletes participate in athletic events, matheletes are those who compete in mathematics competitions. The word is a trademark of MathCount Foundation. Recently, a French mathlete named Alexis Lemaire calculated the 13th root of a 200-digit number in just over 70 seconds. By doing so, he beat his own previous record of 72.4 seconds at an event in London’s Science Museum.

• WHAT IS A MOM-AND-POP SHOP?

A mom-and-pop shop is a colloquial expression for a single-family operated business with few or no employees other than the owners. Sometimes, fewer than ten employees work in these small or micro businesses. People who speak of mom-and-pop businesses often refer to the unique perspective offered by patronizing a family business. Some encourage the unknown experience of entering a mom-and-pop establishment over franchise businesses, which typically offer comparable stores and similar consumer experiences, regardless of location. For example, mom-and-pop businesses are often highlighted in travel guides, because going to a business owned and operated by a family allows a traveller to fully experience and understand the people of another culture.

• WHO INVENTED CHEWING GUM?

Thomas Adams, a rubber scientist, invented chewing gum. He was working with a substance called chicle, a gum prepared from the latex of the saphodila tree, a tropical evergreen plant. By chance, he popped a small piece of chicle into his mouth and chewed it casually to while away time. Suddenly, it occurred to him that others may derive pleasure from chewing chicle, which is, even today, a chief ingredient in chewing gum.

• WHICH IS THE LONGEST ACRONYM IN USE?

Adcomsubordcomphibspac is the longest English acronym. It’s a navy term which stands for Administrative Command, Amphibious Forces, Pacific Fleet Subordinate Command.

• WHAT IS THE DIFFERENCE BETWEEN A FRESCO AND A MURAL?

A mural is any large painting on a wall, ceiling or any other large structure. There are many techniques used to make them. A fresco, executed using water-soluble paints on wet or dry limestone, is one of the techniques and probably the most popular. A primary characteristic of a fresco is that the paintings, though often done in parts, are generally related by a common thread. For example, the frescoes on the walls and ceilings of Ajanta caves in India (6th century) depict the Jataka tales — stories from Buddha’s life.

• WHAT DOES THE WORD ‘WOOT’ MEAN?

If lay persons say ‘yay’, then hardcore gamers would say ‘wOOt’. This phrase, an expression of joy by on-line gamers, has been selected as the word of the year by the US dictionary publisher Merriam Webster.

• WHAT IS THE NYQUIST RATE?

In data communication, the sampling theorem states that a continuous signal can be completely represented in its sampled form and recovered from the sampled form if the sampling frequency f is equal to 2W, where W is the maximum frequency of that continuous signal. This minimum sampling rate of 2W samples per second for a signal having maximum frequency of W is called the Nyquist Rate.

• WHAT IS THE PHOBIA OF ALIENS CALLED?

Fear or dislike of foreigners or aliens is called xenophobia. The word xenophobia is a combination of two Greek words — xenos (foreigners) and phobos (fear). When a majority of people in a country suffer from xenophobia, the phobia can lead to mass expulsion of people of foreign origin, or banning of certain foreign cultural elements. Xenophobia is different from racism, although often both words are used interchangeably Racism implies a hatred of people of other races, irrespective of whether they belong to one’s own country, whereas xenophobia implies hatred of people of other countries or regions. In science fiction, xenophobia refers to fear of extraterrestrial beings. Scientists explain xenophobia as a defence mechanism evolved in humans in response to the need to win in inter-group competition in society and Nature.

• WHAT IS THE GUDERMANNIAN FUNCTION?

The Gudermannian function, named after Christoph Gudermann (1798 -1852), relates to the circular and hyperbolic trigonometric functions without using complex numbers.

• HOW IS A BARGE DIFFERENT FROM A REGULAR BOAT?

The word originally referred to any small boat; the modern meaning arose around 1480. A barge is a flatbottomed boat, built mainly for river and canal transport of heavy goods. Most barges are not self-propelled and need to be moved by tugboats or towboats. Barges on canals contended with the railways in the early industrial revolution but were outclassed when it came to carrying high-value items due to the higher speed, falling costs, and route flexibility of rail transport. A boat is a watercraft designed to float on, and provide transport over water.

• WHAT’S THE GREEN GOLD PROJECT?

The Green Gold or Oro Verde project seeks to ensure the safety of miners and also protect them from exploitation. A jewellery shop in Chichester, England along with miners in a cooperative in Choco in North-East Colombia and the Fair Trade Foundation embarked on this project which promotes the purchase of green gold or jewellery which isn’t created by putting labourers through hardships.

• WHAT IS THE ANTARCTICA TREATY?

The Antarctica Treaty, signed in 1959, was a path-breaking agreement among countries of the world. There are certain regions located beyond the sovereign jurisdiction of any country of the world. Therefore, they require common governance by the international community These are known as ‘res communis humanitatis’ or Global Commons. It includes not only Antarctica but also the ocean floor and outer space. According to the treaty, Antarctica’s environment and ecosystem will be protected. Since 1959, activities in the area have been limited to scientific research and development, fishing and tourism. Even these limited activities have not prevented this region from being degraded by waste, for example, oil spills. The expansion of the treaty was Antarctic Environmental Protocol of 1991.

• WHAT IS A PAGODA?

A pagoda, in South-east Asia, is a cone-shaped monumental structure built in memory of the Buddha. But in the Far East, a pagoda is a tower-like, multi-storeyed structure of stone, brick, or wood, usually associated with a Buddhist temple complex. The pagoda is derived from the stupa of ancient India, which was a dome-shaped commemorative monument, usually erected over the remains or relics of a holy man or king.

• WHY DOES FEBRUARY HAVE 28 DAYS, AND JULY AND AUGUST, 31 DAYS?

According to a popular legend, July was named after Julius Caesar and hence it had 31 days. Later, when Augustus Caesar took over the Roman Empire, he wanted August, the month named after him, to have 31 days as well. Hence, the two extra days were taken from February, which was then left with 28 days. However, some historians d.on’t agree with this reasoning. They believe February always had 28 days ever since the time of King Numa Pompilius. He decided that a year would have 355 days, the length of 12 lunar cycles. Back then, even numbers were considered unlucky So, he created seven months with 29 days, and four with 31. Since he now needed one short even-numbered month, he chose February, as it was considered the least favourite month for it arrived during the middle of winter. And hence, it was given only 28 days.

• WHAT IS RICE WINE?

Rice wine is made from fermenting freshly steamed glutinous rice. Most rice wines are low in alcohol content, light in colour, noncarbonated and have a sweet flavour. Rice wine is categorized according to the degree to which rice is polished. It does not usually improve with age and should be preferably consumed within one year of bottling.

• WHY WAS THE NEW AMSTERDAM COLONY ESTABLISHED?

New Amsterdam was established by Dutch colonisers in 1624 in what is known today as New York city The town of New Amsterdam became a city in 1653 when it received municipal rights and was reincorporated as New York city in June 1665. The town was founded on the southern tip of Manhattan island as the most optimal place for permanent settlement by the Dutch West India Company and was strategically located on the south of the Hudson river. The location was best suited to defend the integrity of the New Netherlands province and was entrusted to safeguard the West India Company’s exclusive access to New Netherlands’ other two estuaries — the Delaware river and Connecticut river.

• WHICH WAS THE FIRST WAR FOUGHT IN THE HISTORY OF MANKIND?

If we define war as a large-scale violent conflict between two states employing the military, the earliest recorded wars might have taken place between various city states in the Mesopotamian region during the period 3,000-2,300 BC in the Bronze Age. The first recorded evidence of such a war was the one between the two city states Lagash and Umma, estimated to have taken place in 2525 BC. From the stone slabs bearing inscriptions related to the war, it could be inferred that the war employed professional soldiers wearing helmets who moved on chariots. The weapons employed were maces and swords.

• WHERE DOES SANTA CLAUS LIVE?

The original Santa Claus lived nowhere near the North Pole. If the 4th century bishop known as Saint Nicholas of Myra — the inspiration for Santa Claus — existed at all, he lived in Lycia, a province of the Byzantine Anatolia, now in Turkey Santa Claus is a corruption of the Dutch name Sinte Klaas for St Nicholas, the patron saint of children and unmarried girls. Tradition says he gave bags of gold to three daughters from a noble, but poor family as their dowries, thus saving them from a life of prostitution. As the legends developed in the Netherlands, the three bags of gold were replaced by a bulging sack of presents which Santa Claus distributed to children on December 6, St Nicholas’ feast day Later, this custom caught on to other parts of the world, to give gifts to good people and punish the bad.

• WHAT IS THE SEEHECK EFFECT?

The principle of the thermocouple was first described by Seebeck in 1821. Seebeck discovered that when wires of two dissimilar metals were joined together to form a circuit of at least two junctions, a current would flow when the junctions were at different temperatures. This phenomenon, called the Seebeck Effect, is the basis upon which thermocouples are designed.

• WHAT IS FOUR-DIMENSIONAL CINEMA?

What we normally see today in theatres are two-dimensional movies with multi-channel sound. In three-dimensional movies, viewers are required to wear special glasses which create 3-D images of objects in the movie. Chhota Chetan and Shiva Ka Insaaf were such movies released two decades ago. Fourth dimension in a movie creates an overall different experience. In addition to the effects of 3-D features, viewers can experience the movies through other senses like sight, sound, odour, touch and also have personal remote control. Viewers are seated in special seats which have bass shockers and other special fittings which make them a part of the complete 4-D experience.

• WHAT IS BOW SHOCK?

In aerodynamics, bow shock is a normal shock that occurs in front of an object within a supersonic flow. Unlike an oblique shock, the bow shock is not attached to the tip, off the object in the flow. Oblique shock angles are limited in formation based on the corner angle and upstream Mach number. When these limitations are exceeded, a bow shock occurs instead of an oblique shock. Therefore, bow shocks are often seen forming around blunt objects. In astrophysics, bow shock is a boundary between a magnetosphere and an ambient medium. For stars, this is typically the boundary between their stellar wind and the interstellar medium. In a planetary magnetosphere, the bow shock is the boundary at which the solar wind abruptly drops because of its approach to the magnetopause.

• WHAT IS ASSUMPTION DAY?

Assumption Day is, according to the Roman Catholic church, the day on which the Blessed Virgin Mary was, along with her body and soul, accepted (or ‘assumed’) in heaven. It is usually celebrated on August 15 by Roman Catholics. In some parts of the world, Assumption Day is a public holiday; in some parts it is a day of solemnity and prayers, whereas in some other parts, it is a day of feasting and festivities. Although in the early days of Christianity some held that it was not certain how the Virgin Mary’s life ended, from the 5th century AD onwards, Christians believed that the Virgin Mary did not actually suffer a physical death and that she passed into heaven with her physical body and soul on Assumption Day The above day was officially recognised through a Dogma by the Church only in 1950. The Assumption has also been a subject of Christian art for several centuries.

• WHAT IS HEIRLOOM GARDENING?

An heirloom plant, heirloom variety, or (especially in the UK) heirloom vegetable is an open-pollinated cultivar that was commonly grown during earlier periods in human history, but not used in modern large-scale agriculture. Since most popular heirloom plants are vegetables, the term heirloom vegetable is often used instead. The trend of growing heirloom plants in gardens has been growing in popularity in the United States and Europe over the last decade. This is called heirloom gardening. Some examples are heirloom tomato, forbidden rice and Bhutanese red rice.

• WHAT IS DIES IRAE?

Dies Irae literally means day of wrath. The mediaeval Christians were preoccupied with the end of the world; they anticipated the Last Judgement, followed by the millennium. After the fall of the Roman Empire in the West there was a revival of the belief in the end of time. The year 1000 likewise excited mythological speculation, as did famines, plagues, and earthquakes. Most influential were the views of the visionary Joachim of Fiore. He divided history into several ages and said that 1260 would be the fulfilment of the Age of the Spirit, which had begun with St Benedict. At that time, mankind could expect a new revelation, the coming of the anti-Christ, and the last days of wrath. This myth, written down at the behest of the Papacy, exerted a potent influence on mediaeval thought, and in its vision of a future world where the Holy Roman Empire and the Church of Rome would give place to a free community of perfected beings who have no need of clergy or sacraments or scripture, it anticipated modern millennial theories.

• HOW MANY COUNTRIES DOES THE DNIEPER FLOW THROUGH?

Russia, Belarus and Ukraine are the three countries through which Europe’s third-longest river flows. It originates in the south-west of Moscow and flows through Smolensk (Russia), Mogilev (Belarus), Kiev (capital of Ukraine), Dnepropetrovsk and Kherson (Ukraine) and empties into the Black Sea.

• WHAT IS ANTHROPOCENE EPOCH?

The current geological epoch we live in is called Holocene, which began around 9600 BC. However, considering the way humans have altered the course of the Earth scientists suggest that the epoch be renamed anthropocene. Nobel-prize winning chemist Paul Crutzen coined this term in a casual remark in 2002, while talking about how the Earth was entering a new epoch due to increasing human population and economic activity However, other scientists want this word to refer to the human impact upon the planet.

• WHAT IS ANTI-DUMPING DUTY?

If any company exports a product at a price lower than what it normally charges in its home market, then it is dumping the product. Opinions differ as to whether or not this is unfair competition, but many countries take action against dumping by imposing anti-dumping duty Thus, anti-dumping duty is an extra import duty on a particular product from a particular country in order to bring its prices closer to the normal value of that product in the country it is imported to. It is done to protect its own industry from predatory pricing. The World Trade Organisation does not prohibit antidumping policies and allows any country to take anti-dumping action against the countries which violate the principles of General Agreement on Trade and Tariff.

• WHAT IS A CASCADE EFFECT?

An unforseen chain of events due to an act affecting a system, much like how a waterfall cascades down, is called cascade effect. Cascade effects are commonly visualised in tree structures called event trees.

• WHAT IS LAPIS LAZULI?

Lapis Lazuli is an intense blue semiprecious stone. It has been mined for 6,500 years in Badakhshan, Afghanistan. It has lazurite as the main component. It’s used in jewellery, mosaics, architecture and as a pigment called ultramarine in tempera paintings. It was used by Assyrians and Babylonians for seals, as an eyeshadow by Cleopatra and Romans believed it to be an aphrodisiac. It was thought to keep limbs healthy and free the soul from error, envy and fear.

• WHAT ARE MAGIC BULLETS IN PHARMACEUTICAL TERMS?

In pharmaceutical terms, magic bullets are those drugs which attack the affected organ/cells and not the healthy ones. For example, the medicine for blood cancer I — called Glivec — is known to be a magic bullet as it attacks only those cells which are affected by the disease and not the healthy or surrounding cells.

• WHAT IS THE ‘ART OF MOVING’?

‘The art of moving’ or Parkour involves moving from one point to another as quickly and efficiently as possible. It entails overcoming obstacles using the power of the human body and is practised in several urban areas the world over. Recently, members of the Du Yize Parkour Club of Beijing showed their prowess at the Forbidden City

• WHAT ARE POLAR COORDINATES?

It is a system of coordinates in Geometry whereby the position of a point, say P, in a plane can be determined with reference to a fixed point called origin, denoted by 0, and a predetermined direction represented by a ray OA. The measure of length OP, denoted by r, and the measure of the angle that OP makes with OA, generally denoted by a Greek letter theta, are called polar coordinates of P and, P is called the graph of r and theta. One pair of values of r and theta corresponds to only one point in the plane and one point in the plane corresponds to only one pair of the values of r and theta.

• WHAT ARE SLATS?

These are thin narrow flat strips made of wood or metal, which are used as an auxiliary air foil at the leading edge of the wing of an aeroplane.

• WHEN AND WHERE DID JALLIKATTU ORIGINATE?

Jallikattu, which is bull-baiting or bull fighting, is an ancient Tamilian tradition. There are several rock paintings, more than 3,500 years old, at remote Karikkiyur village in the Nilgiri district in Tamil Nadu that show men chasing bulls. Another single painting discovered in a cave at Kalluthu Mettupatti, about 35 km west of Madurai, between Madurai and Dindigul, shows a lone man trying to control a bull, Researchers estimate that this painting, done in white kaolin, is about 1,500 years old.

• WHAT’S THE ORIGIN OF THE TERM ‘TOP DOG’?

‘Top dog’ means one who is dominant or victorious. When wooden planks were sawn by hand, two men did the job using a two-handed saw. The senior man took the top handle, standing on the wood, and the junior took the bottom, in the saw-pit below. The irons that were used to hold the wood were called dogs and that the bottom position was much more uncomfortable. The term ‘top dog’ originated from this practice.

• WHICH IS THE FIRST ART GALLERY?

The term art gallery refers to two different kinds of places: 1. A place which exhibits items of art (an art museum), and 2. A place which sells art items. The oldest art museum is supposed to be housed in the Cosquer Caves, the under-water caves, near Marseilles. The caves consist of finger tracings, impressions of painted hands, and painted and engraved figures of animals. The oldest works in these caves were estimated to have been created 29,000 years ago. Art galleries that exhibit and sell works of art on a large scale have been in existence since the 17th century AD. Most of the oldest art auction houses that exist today in Europe have been founded in the first half of the 18th century Viennabased auction house Dorothium, which claims to be the oldest art auction house of the world, was founded in 1707, and Sothebys, the oldest and largest art auction house of England, was founded in 1744.

• WHAT ARE TEXTONYMS?

They refer to the new language developed by cellphone-addicted teenagers, based on predictive text on their handsets. They are also known as adaptonyms or cellodromes. Using predictive text, the first alternative to certain keywords are used in textonyms.

• WHAT ARE BANKURA HORSES?

The vibrant tradition of folk art in West Bengal’s Bankura district includes a variety of clay handicrafts. The district’s most famous product is the Bankura Horse, a very stylised figure with a long neck and elongated ears, in warm terracotta colours. Artisans have used the same techniques of hollow clay moulding and firing for generations. Sizes vary from minute, palm-sized to gigantic creations over 1 metre high. The horses are votive figures and are usually kept or placed in front of local deities.

• WHO WAS THE FIRST INDIAN TO BE KNIGHTED?

Queen Victoria founded The Most Exalted Order of the Star of India in 1861, which was an order of chivalry, meant to be given to viceroys of India, nawabs and princes for their meritorious service and loyalty to the British empire. The people admitted to this order were called knights. In the year of its founding, Nawab Sikandar Begum Sahiba, Nawab Begum of Bhopal was made the Knight Grand Commander of the Star of India (GCSI). La

Mr. Ashok Sharma
http://www.articlesbase.com/interviews-articles/general-knowledge-pt-vi-955585.html

Viaticals- a ‘dark Alternative’ to Shielding Survivors From Credit Challenges of Medical Collections & Judgments

With accelerating medical costs the tab can be run up fairly quickly. Any savings or even health insurance may not be even close enough to meet the burden. Home equities can be quickly squeezed and exhausted. The terminal patient (this could be someone severely over weight-family history of heart disease as well-etc.) never intended to leave loved ones holding the ultimate financial bag. It just happens. As thoughts of Ralph Edwards the former host of “This Is Your Life” play out in the brain the mind may race ahead to the final act leaving loved ones to deal with the financial aftermath of this “life”. The obituary might read “He was a great guy/gal, but left his family and loved ones with a ton of unpaid debts.” An alternative for a terminally ill patient (or could be medically challenged and not able to work) may be a “Viatical”. If there is a term life insurance policy or better, such as whole life, universal life, annuity etc., in place or even a paid up policy or one that has monthly payments being made this could quality for the Viatical vehicle.

This then is the ultimate and final use of a handicapper. When life policies are taken out actuaries make a bet when a person is going to die based on their medical history, age, weight, health levels, occupations, smoker, non-smoker, etc. Later on, if the need arises, another handicapper can enter the scene. It is by request only. Viaticals are based on handicapping the rest of a person’s life based on the medical and such to determine by guessing when death might arrive. An investor will bid on a discounted basis on the face amount of the policy to give the insured and beneficiaries cash right now. A terminally ill patient may want to get their financial affairs cleaned up before dying so as not to stick love ones with a financial disaster. This comes home to anyone who in addition is dealing with the terminal illness but may be facing foreclosure from their home, cars repossessed, credit that has long since gone down the drain and a whole new layer of stress in the circle of concerned and effected loved ones. What to do, ride it out and let the chips fall where they may, OR make an effort to get it handled now and bring some peace to everyone by taking care of the financial affairs before death. Yes there will be a substantial reduction in the face value of the policy by taking a cash advance now, but it may save a lot of pain for immediate survivors. This is not for everyone. Obviously, if there is no life insurance policy in place for the terminally ill patient, this will not be an option.

When Groucho Marx was host of the “You Bet Your Life” game show, it was a very funny game show. This, however, becomes the ultimate “bet” for an insured life and certainly it’s not too funny, but it represents one alternative. On the one hand the beneficiaries of the policy want the absolute most possible cash versus the face value of the policy, whereas the investor doesn’t want to pay too much if the terminally ill patient makes a miraculous recovery and the return to the investor is delayed by years. So the arm wrestling is engaged and negotiations are mounted. Medical histories and doctor input (with the patients written permission) together with the life policy product are all utilized to come up with a number. Decisions have to be made. Is the cash enough or should the premiums be maintained (if required) and let nature take its course. It’s a delicate balance between patient needs and cleaning up ones financial affairs before death. This ‘Dark Alternative’ has received massive negative press. Investigations were initiated against some of the handicapper players for taking advantage of the life policy insured, which were perceived to be the most vulnerable. However, would it be better for the family to be set out on the curb when the sheriff issues the final eviction on the foreclosure? Would it be better for the family cars to be repossessed for non-payment? Would it be good for survivors to have wages attached through garnishment? Talk about life interrupted, this is a major stress magnet for all parties involved not the least of which is the insured. So who is to question, if someone is willing to pay cash now for a future benefit. Even multi-billionaire Mr. Warren Buffet was a player in Viaticals for a time. It’s not like there is only one place to go. An insured can select the highest bidder from a whole host of interested parties. Search any online engine and there they are.

After receiving the cash for the life policy the Viatical owner/investor will make any needed payments on the policy to protect their vested position. The insured is relieved of making any additional payments for the rest of their life or when the term of the policy expires such as a stated term policy with conversion priveleges. Here is an example how this might work. These are online publicly published numbers, we can only assume they are true. Source: CIGI Direct (Not an endorsement). The discounts are deep but immediate cash is generated. Each case will totally be different. This is just cursory examples.

Female: 77 (Very Good Health) Male: 68 (Bypass History)

Policy Type: Universal Life Policy Type: Convertible Term Life

Face Amount: $750,000 Face Amount: $200,000

Cash Value: $102,287 Cash Value: $0

Life Settlement to Customer: $137,000. Life Settlement to Customer: $40,500.

Male: 56 (Prostate Cancer History) Male: 66 (Very Good Health)

Policy Type: Convertible Term Life Policy Type: Convertible Term Life

Face Amount: $1,500,000 Face Amount: $1,000,000

Cash Value: $ 0 Cash Value: $0

Life Settlement to Customer: $360,000 Life Settlement to Customer: $24,650

These are just a few examples only. Again, each individual case is different. Each investor in a Viatical will handicap (underwrite) it differently. Consumers need to be aware and shop for the best offer. A focused effort of nailing a good cash settlement through using a Viatical settlement won’t make a day or two difference so a consumer needs to get as many quotes as possible. Once one accumulates the revenant data, it can then be presented to multiple buyer participants who may have an interest. Then with a price settled, papers are signed and a cash transfer is made. Obviously, establishing the correct identification of the insured and determining a valid enforceable insurance contract will need to be verified and proved. There is always the possibility that someone in one’s family or circle of friends may beat the bid and take a position in excess of the highest bid. You never know. It would be worth while to at least inquire. This is no time for family secrets here with the grim reaper lurking about. If a family member can help out in this situation that would be great. They might as well as benefit as opposed to a stranger corporate investor. In this case there could be some mitigation and resolution after death IF the family member would choose to share. Dealing with a company or investor, there would be ZERO chance of that.

In conclusion, this is just another tool to help in credit situations where there are little choices and alternatives. It would be great to be flush with cash, full insurance, huge investment portfolios and such, but some just don’t have it. If there is life insurance place in place and there no other valid alternatives, Viaticals can be an option to consider while Bankruptcy and other options will not work. The ‘Dark Alternative’ can lead to comfort for all parties in the death process, which is all part of life. It may ensure a sense of “Death With Dignity’.

Dale Rogers

www.brokencredit.com

Dale Rogers
http://www.articlesbase.com/loans-articles/viaticals-a-dark-alternative-to-shielding-survivors-from-credit-challenges-of-medical-collections-judgments-120176.html

cMc ft eNjoY med MkN – Vackrast på jorden

cMc ft eNjoY med MkN

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Anti Poverty

Anti Poverty in USA

                          Even the wealthiest nation in the world like the United States does not escape the problem of poverty. This paper takes a critical look at poverty and anti-poverty policies in the United States. In this paper, I have argued that poverty is caused by several factors. This paper also discusses the liberal and conservative perspectives for reducing poverty in America. The conservatives have focused on individual factors such as wide wage gaps, breakdown of family, racial factors and other reasons while the liberals have focused on the structural transformation of the American economy to explain the persistence of poverty.  Since 1960, both the federal and state governments have been responding with policies that address the problem with mixed results. In this paper, I have analyzed the policies and have also recommended the possible ways to deal with this intractable nature of poverty.

                   According to Sen (1981), ‘the poor are those people whose consumption standards fall short of the norms, or whose income lie below that line’. The word "poverty" suggests destitution, an inability to provide a family with nutritious food, clothing, and reasonable shelter. Over thirty-six million Americans live below the official U.S. poverty line (Blank, 2007). This means a family of three earns less than less than $ 16,000 or a single individual earns $10,300 per annum (Blank, 2007, p. 17). Millions more struggle each month to pay for basic necessities, or run out of savings when they lose jobs or face health emergencies. Job cuts, high rates of unemployment, foreclosures and high food and gas prices continue to stimulate policy formulation designed to improve the condition of the poor.

                     Poverty is integrally associated with misery and suffering. The lost potential of children in poor households and the lower productivity and earnings of poor adults are all intertwined with poor health, increased crime and broken neighborhoods. Childhood poverty typically leads to poor health care and high crime neighborhoods. Persistent childhood poverty is estimated to cost the United States $500 billion each year, or about 4% of the nation’s gross domestic product (Blank, 2007, p.1).

                    One in eight Americans lives in poverty and poverty in the United States is far higher than in many developed nations (Rebecca Blank, 2007, p1). Inequality has reached record high. The richest 1 percent of Americans in 2005 held the largest share of the nation’s income (19%) since 1929 (Rebecca Blank, 2007, p. 2). At the same time the poorest 20% of Americans held only 3.4% of the nation’s income (Rebecca Blank, 2007, p.2).

                    Colorado in spite of being surrounded by the beautiful Rocky Mountains and experiencing a cool, mountain climate has many homeless people. Scholars have identified that, a growing number of single parent households, a shortage of jobs for lower wage workers and a low rate of high school graduation have contributed to the growth of poverty in Colorado. The Colorado poverty rate has increased from 9.2% in 2000-2001 to 10.6% in 2005-2006 while the poverty rate of United States has increased from 11.5% in 2000-2001 to 12.5 % in 2005-2006 (Center on Law and Policy, 2006, p.1).  Most of these ill-fated poor people suffer from mental and health problems. 

Causes of Poverty

                        Policy analysts are trying to explore numerous perceived direct and indirect causes of poverty in the United States to formulate effective policies to alleviate poverty. The work of scholars such as Corley (2003), Sowell ( 2004), Iceland (2006), Jencks (1992), James Tobin (1993) and others have shown that the intractable nature of poverty is a result of not any one factor but of the interaction of a variety of causes. The breakdown of family and other social causes as well as the structural changes in the economy, have all contributed to society’s failure to eradicate poverty inspite of ardent efforts by policy analysts.

                   Individual Explanation of poverty mainly stresses the attitudinal or motivational factors and human capital factors. Thus lack of motivation among indigents causes poverty. Generous welfare programs sometimes affect the mind-set of recipients and they prefer to stay at home and enjoy the benefits rather than work outside. Murray (1984) argues that individuals prefer to remain on welfare because of insufficient motivation to come out from public welfare programs.

                  Formulation and proliferation of policies to alleviate poverty has been a major concern of the United States Government since 1960. Educational attainment is necessary to get a high paying job. Elementary school education, as well as lack of adequate skills and motivation among indigents to come out of the situation is the major causes of poverty. People well equipped with technical skills get high salaried jobs while people who are school drop outs get low pay on an hourly basis. During the 1960s when the then- President of United States Lyndon Johnson began to implement the United States ‘war on poverty’, he placed great emphasis on education (Jencks, 1992). The Lyndon Johnson administration even invested in programs like Head Start and occupational training to upgrade the skills of the poor and also to prevent future generations from working in low-paying jobs. Scholars like Sowell (2004) and Corley (2003) have emphasized individual level factors as the central causes of poverty. They argue that a person’s compensation is based on his or her educational qualification and marketable skills. Sowell (2004) argues that the lack of appropriate skills has affected the ability of many indigents to climb out of poverty. He also argues that there has been an increase in the poverty rate of unskilled Americans, who have lost jobs to Asian immigrants. Corley (2003) also supports the above argument and regards ‘lack of educational attainment’ as one of the entrenched sources of poverty. Low quality education from poorly funded inner-city schools results in few marketable skills which leads to low-wage jobs and other miseries associated with it such as less ability to pay for housing, food, clothing, medical care, bad neighborhoods, funding problems for schools, and increased risk of serious illness (Corley, 2003). 

                          Many scholars have argued that structural changes are the primary reason for the persistence of poverty in the United States. Structuralists emphasize issues such as joblessness, discrimination in education, institutional racism and economic transformations in explaining the causes of poverty. Scholars argue that the inability to provide decent paying jobs for some American families and the ineffectiveness of American public policy to reduce poverty are basically the result of structural failures and processes. Poverty is rooted in the structure of American society. Rank, 2004 supports the above view and argues that lack of human capital tends to place individuals in a vulnerable state when events and crises occur. The incidence of these events like loss of a job, family break-up and ill-health often result in poverty. These ill-fated people unable to handle these situations often end up in paying more. Scholars also argue that the acquisition of human capital is strongly influenced by the impact of social class on this process (Rank, 2004). Apart from poor family, race and gender also play a role in the acquisition of human capital (Mark Robert Rank, 2004).

                          Globalization, the expansion of credit markets leading to greater indebtness and foreclosures leading to recession in 2008 all point to the growth of poverty.  Iceland (2006) primarily focused on economic factors and has argued that poverty is also the product of deindustrialization. As the U.S. shifts from a manufacturing, industrial society to a service-oriented, high-tech society, many of the blue-collar jobs that required little education but paid well are disappearing or are being outsourced. Rural areas, such as Appalachia, suffer losses of mining jobs, and cities such as Detroit lose many manufacturing jobs to automation or overseas factories. Some people are unable to follow the jobs or commute to work are left in neighborhoods without employment or tax-basis to support needed social functions, such as schools, public transportation, police departments, and so forth. Others simply cannot find jobs because of the shift towards a service-based economy; in economic terms these people are structurally unemployed due to the changing skills needed. Tobin (1993) supports the above viewpoint and emphasizes on the disappearance of jobs in the 1900s as the main reason for the country’s failure to eradicate poverty. Recent employment data shows that the US housing slump and the crisis in America’s credit markets are threatening to increase poverty levels. Isidore (2008) mentions that the job losses  are widespread, with the battered construction sector losing 51,000 jobs and manufacturing employment falling by 48,000 in the year 2008 . Retail employment dropped by 12,000 jobs, and business and professional service employers cut staff by 35,000. The unemployment rate jumped to 6.1% in September from 4.9 % in January (Bureau of Labor Statistics, 2008).

                         Kelso (1994), argues that over the last forty years, there has been a major shift of American firms first to the west and then to the south. Part of this shift was due to the rise of the Cold War and the decision of the government to enlarge U.S. military power (kelso, 1994). He argues that as America elected to invest more in defense and in the aerospace industry, cities like Seattle and Los Angeles on the West Coast began to boom while the growth of a high technology and information based technology led to the growing affluence of California and the San Francisco Bay area. Later with the expansion of inter-state highway system and growth of jobs, markets were created in the south.

                         Iceland (2006) also argues that although the service sector of the economy has generated millions of jobs, but again polarized earning distribution based on educational attainment separates better paying jobs from poorer paying jobs. He supports a Marxian analysis of class conflict and exploitation and emphasizes on business owners favor hiring inexpensive labor to maximize profit. This also accounts for the inflow of cheap labor to the United States from Mexico and other countries. Greater access to credit has put cars, computers, credit cards, and even homes within reach for many more of the working poor. But this remaking of the marketplace for low-income consumers has a dark side. Roubini notes that, "Having access to credit should be helping low-income individuals, but instead of becoming an opportunity for upward social and economic mobility, it becomes a debt trap for many trying to move up (Grow and Epstein, 2007).

                          Inspite of public assistance and wide initiatives taken by both Federal and State governments, poverty still exists. Meticulous analysis of the situation and effective formulation of policies is needed to solve the problem of poverty in the United States. Scholars like Rank (2004), Blank (2007) and others have shown that the United States Government spends fewer funds addressed towards poverty than any other industrialized country. Thus a major structural failure is found at the political level (Rank, 2004). Most European countries provide a wide range of insurance programs, unemployment assistance, and wide universal health coverage along with considerable support for child care (Rank, 2004). Such social programs are far more generous than those in the United States (Rank, 2004). While, low-income families in the United States work more than those in other countries, they are still not able to make up for lower governmental income support relative to their European counterparts (Blank, 2007, 141-142).

                          The gross disparities among impoverished people in the United States along racial lines have led many scholars to speculate that institutional racism is responsible for much of the poverty in the United States. Racial discrimination in employment and   education contribute to the growth of poverty. Some scholars like Massey and Denton (1993) interpret the statistics in terms of institutional racism while others like Kelso (1994) interpret the statistics as evidence of deficiencies and suffering of blacks.   In spite of efforts to remove racism, slavery and Jim Crow segregation, Massey and Denton (1993) argue that racial segregation still exists and that the fundamental cause of poverty among African Americans is segregation. They argue that segregation has created and perpetuated a black underclass by limiting educational and employment opportunities. Massey and Denton (1993) have shown that Blacks were shown homes in racially mixed areas or areas adjacent to predominantly black areas.

                           Also, changing patterns of family formation are more pronounced among racial and ethnic groups. Family patterns are also one of the causes of poverty in the United States. There is a wide gender gap in wages. In 2004 the median income of FTYR male workers was $40,798, compared to $31,223 for FTYR female workers (DeNavas-Walt et al, 2005) Pearce (1978) argues that ‘poverty is rapidly becoming a female problem’. Iceland (2006) supports this statement and showed that in 2000, the female poverty rate (12.5%) was 26% higher than the male poverty rate (9.9%) (Iceland, 2006). According to Iceland, women have fewer economic resources than men, and they are more likely to be the head of single- parent families. It also leads to the greater likehood that single, divorced or widowed women will be poorer than their male counterparts because of less social security income or other retirement income in addition to higher female life expectancies. Women’s lower wages, lower retirement benefits and the increasing number of single mothers have led some scholars to talk about the “Feminization of Poverty.”

Federal policies

                       After the Second World War, by 1963, creation of jobs by President John F. Kennedy’s tax policies could not remove the problem of poverty. Poverty was still recognized as a major national problem. President Lyndon B. Johnson’s War on Poverty led to a host of programs that included Medicare, Medicaid, Food Stamps, Aid to Families with Dependent Children, and others. These entitlements eventually consumed half the federal budget and could not alleviate poverty. The U.S. economy had been devastated by the recession of 1979-83 when the United Statess manufacturing infrastructure was shattered by the Federal Reserve’s skyrocketing interest rates causing unemployment to shoot up by sixty-five percent in four years (Cook, 2007). By the end of the 1980s the economy was in another recession, leading to the election of Bill Clinton who in 1992 replaced the incumbent George H.W. Bush. The investment boom of the 1990s was fueled by foreign capital lured in by the Treasury’s strong dollar policies. Jobs were created as the dot.com bubble expanded, trade barriers fell, and utility trading giants like Enron took off. NAFTA was enacted to promote free trade, welfare-to-work brought low-income women into the job market, and the Earned Income Tax Credit was extended. The party ended when the stock market crashed in December 2000 and millions of people lost their retirement savings and other investments. Recession was returning even as George W. Bush was being declared president by the U.S. Supreme Court in December 2000. The economic crisis deepened after the September 11, 2001 attacks when $1.4 trillion in wealth vanished during the worst five days of the stock market since the Great Depression (Cook, 2007). Cook (2007) argues that today, poverty is becoming a national catastrophe. Cook (2007) argues that from 2002 through 2006 the economy was floated by the housing bubble, with many lower income people getting into homes of their own through the proliferation of sub prime mortgages. With the financial woes in late 2008, many American citizens are left with inflated home prices and no way to pay for them.

                      The 1960’s policy initiatives and declaration of ‘unconditional war on poverty’ by the then president Lyndon Johnson marked a discrete change in the federal government’s willingness to intervene for the purpose of improving the economic situation of poor Americans. Despite the billions of dollars spent on programs like CETA (Comprehensive Employment Training Act), The Manpower Development and Training Act, Head Start, and the Elementary and Secondary Education Act, the government efforts to deal with the origins of poverty have met with minimal success. During this period, implementation of the Social Security old-age program insured virtually all retired workers against the risk of outliving their savings. The Social Security Act of 1935 sought to protect the incomes of those who did not work because of age or a poor economy by establishing a federal framework for unemployment insurance, old-age benefits, and assistance to women. In early 1964, the two most pressing priorities of President Johnson’s antipoverty agenda involved passing a massive tax cut designed to stimulate the economy and organizing a task force to shape the ‘War on Poverty’. The Economic opportunity Act (EOA) signed by Johnson created a long list of programs designed to help individuals develop marketable skills, political power, and civic aptitude. But this anti-poverty legislation oversaw other programs like Community Action Program, Job Corps, VISTA, Head Start (1965), Legal Services (1965) which were not included in its framework. While extensive programs like the Food Stamp Program, Medicare for elderly, Medicaid applied to qualified poor residents, the Elementary and Secondary Education Act for poor students overshadowed the EOA. The Higher Education Act eased the financial burdens of millions of college students. The Civil Rights Act opened up new spaces in the American marketplace, while the Voting Rights Act did the same for the political marketplace. The Fair Housing Act established an important base of law to combat housing discrimination. As a result the EOA slowly lost importance. Again, Murray (1984) argues that welfare benefits had soared so high so as to make living in poverty a meaningful option for the poor. Even Burton (1992) has supported the above viewpoint and argues that the programs have done more to cause poverty than to alleviate it.

                          When Nixon assumed power, he tried to deal with poverty in a more direct way than emphasizing social programs. . Although President Nixon expressed dislike for much of the War on Poverty, his administration responded to public pressure by maintaining most programs and by expanding the welfare state through the liberalization of the Food Stamp program, the indexing of Social Security to inflation, and the passage of the Supplemental Security Income (SSI) program for disabled Americans (Rank, 2004). The Nixon administration also endorsed a “New Federalism” in which the federal government shifted more authority over social welfare enterprises to state and local governments. His plan to implement the ‘Family Assistance Plan’ (FAP) consisted of various income provisions, work provisions, and training provisions for those below the poverty line (Rank, 2004). It failed to pass the Senate much like the ‘Programs for Better Jobs and Income’ initiated by President Carter in later years.                                       Welfare reform continued as a focus of federal policy debates even after the legislative defeat of FAP. Even though a cash ‘Negative income Tax’ (NIT) for all poor persons never passed, the Food Stamp program provided a national benefit in food coupons that varied by family size, regardless of state of residence or living arrangements or marital status. The number of AFDC recipients increased from about 6 million to 11 million and the number of food stamp recipients, from about 1 million to 19 million during the Nixon administration (Danziger, 1999, p. 8). Danziger (1999) also argues that as higher cash and in-kind benefits became available to a larger percentage of poor people, the work disincentives and high budgetary costs of welfare programs were increasingly challenged. The public and policy makers came to view increased welfare recipients as evidence that the programs were subsidizing dependency and encouraging idleness.

                        Despite the failure to enact a guaranteed income program, both the number of recipients and the amount of money spent on welfare programs increased substantially during the 1970’s (Rank, 2004). Rank (2004) has given an overview of Reagan’s policies and noted that Reagan emphasized individual action unhampered by government interference, rejected the social engineering of the 1960’s and also supported federalism, that is, returning power to the states rather than centralizing them within the federal government. Reagan tried to address the problem and set the tone for welfare reform that occurred in 1990 during his successor’s administration. The Reagan administration thought eligibility for welfare benefits had increased so much, that many persons who were not “truly needy” were receiving benefits. The Reagan Administration opposed simultaneous receipt of wages and welfare benefits. Rather, it proposed that welfare become a safety net, providing cash assistance only for those unable to secure jobs.

                    The Earned Income Tax Credit (EITC), enacted in 1975, provides families of the working poor with a refundable income tax credit (i.e., the family receives a payment from the Internal Revenue Service if the credit due exceeds the income tax owed). Thus the EITC raises the effective wage of low-income families, is available to both one- and two-parent families, and does not require them to apply for welfare. The maximum EITC for a poor family was $400 in 1975 and rose to $550 by 1986 (Danziger, 1999, p. 14). The 1986 Tax Reform Act increased the EITC so that by 1990 a low-income working parent received a maximum credit of $953 (Danziger, 1999, p. 14). The number of families receiving credits increased from between 5 and 7.5 million families a year between 1975 and 1986 to more than 11 million by 1988 (Danziger, 1999, p. 14). Danziger, 1999 argues that as the expanded EITC supplements low earnings, it became easier for policy makers to emphasize welfare reform policies that could place recipients into any job, rather than training them for “good jobs.” Thus he argues that if a nonworking recipient took a low-wage job, a substantial EITC could make work pay as much as a higher-wage job would have paid in the absence of an EITC.

                         The Family Support Act (FSA) of 1988 expanded the scope of the AFDC program for two-parent families, instituted transitional child care and Medicaid for recipients leaving welfare for work, and added funds and required states to establish programs to move greater numbers of welfare recipients into employment. When the welfare rolls jumped in the late-1980s and early-1990s, from about 11 to about 14 million recipients, dissatisfaction with welfare again increased ( Danziger, 1999).    

                        President Nixon identified the two main economic problems, inflation and unemployment, that justify the need for economic recovery to the American worker. Reagan has emphasized despair caused by unemployment combined with high inflation. Reagan’s rhetorical construction of welfare recipients and the welfare system was aimed at reducing anxiety among Americans caused by increasing taxes, inflation and the continuous fear of losing jobs. To end this victimization, Reagan proposed a plan for economic recovery (Rank, 2004). Apart from cutting government spending, specifically spending on social programs, Reagan also proposed to have State governments assume control of Aid to Families with Dependent Children (AFDC) and the food stamps program in exchange for the Federal Government control of Medicaid. Although this proposal failed to reach the Congressional floor, his presentation of the proposal to exchange AFDC and food stamp program with Medicaid made poverty a local concern (Mark Robert Rank, 2004).  

                       Liberals and conservatives still disagreed on other goals of welfare-to-work programs. Liberals thought welfare reform should expand opportunities for welfare mothers to receive training and work experiences that would help them raise their families’ living standards by working more and at higher wages. Conservatives emphasized work requirements, obligations welfare mothers owed in return for government support whether or not their families’ incomes increased (Mead, 1992). 

                       In later years President Clinton’s approach also emphasized empowerment as a way of helping welfare recipients and to accumulate more savings without being penalized and expanding the earned income tax credit (Blank, 2007). By the mid-1990s, the focus of policy concern shifted from fighting poverty to reducing welfare dependence. President Clinton’s signing of the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (the PRWORA) ended the entitlement to cash assistance and dramatically changed the nature of the social safety net. The Act created the Temporary Assistance to Needy Families Program (TANF). TANF began on July 1, 1997, provides cash assistance to indigent American families with dependent children through the United States Department of Health and Human Services (The Center for American Progress Task Force on Poverty, 2007).  Danziger, 1999 argues that each state can now decide which families to assist, subject only to a requirement that they receive “fair and equitable treatment.”  In instituting a block grant program, the PRWORA granted states the ability to design their own systems, as long as states met a set of basic federal requirements. The bill’s emphasis on ending welfare as an entitlement program, places a lifetime limit of five years on benefits paid by federal funds, and also aims to encourage two-parent families and discourages out-of-wedlock births. In granting states wider latitude for designing their own programs, some states have decided to place additional requirements on recipients. Although the law placed a time limit for benefits supported by federal funds of no more than 2 consecutive years and no more than 5 years over a lifetime, some states have enacted more stringent limits. All states, however, have allowed exceptions with the intent of not punishing children because their parents have gone over the time limit. Federal requirements have ensured some measure of uniformity across states, but the block grant approach has led individual states to distribute federal money in different ways. Certain states more actively encourage education, others use the money to help fund private enterprises helping job seekers. The PRWORA offers no opportunity to work in exchange for welfare benefits when a recipient reaches her lifetime limit of 60 months of federally-supported cash assistance. But the reform has certain limits. States may not use federal block grant funds to provide more than a cumulative lifetime total of 60 months of cash assistance to any welfare recipient, no matter how willing she might be to work for her benefits, and they have the option to set shorter time limits. States can grant exceptions to the lifetime limit and continue to use federal funds for up to 20 percent of the caseload. The extent of work expectations has also been increased. Single-parent recipients with no children under age one will be expected to work at least 30 hours per week by FY 2002 in order to maintain eligibility for cash assistance (Danziger, 1999, p 20). States can require participation in work or work-related activities regardless of the age of the youngest child. Thus PRWORA emerged from research that sought both to reduce poverty and welfare dependency (Danziger, 1999).  In the 1990s, following Clinton’s call to “end welfare as we know it,” policy makers escalated their demands for recipients to work and reduced government obligations toward and funds to serve them (Danziger, 1999).

                     When Bush took office in 2001, the U.S. was experiencing a national surplus, unemployment and poverty had been on the decline for years, and the economy was booming. Now, almost six years later, poverty is on the rise, healthcare coverage is on the decline, and the country is faced with the largest national deficit in history. Lower middle class families are slowly slipping below the poverty line and the poorest are becoming even more destitute. Most of these families are headed by women.

                      President Bush has extended the TANF. There has been a general economic stimulus policy initiative during the Bush administration but nothing targeting low income Americans has been enacted. President Bush signed the economic stimulus package (H.R. 5140) into law with the hope that it will provide a much-needed boost to the lagging economy. The package includes tax rebates for individuals, tax breaks for businesses, and a temporary increase of the Federal Housing Administration loans from $417,000 to $729,750 (White House report, 2008). More than 130 million people are expected to get tax rebates ranging from $300 to $1,200 per household for individuals earning $75,000 or less and couples earning up to $150,000 (White House report, 2008). While the stimulus package will provide much needed financial help to millions of people, it fails to target those most in need as it will not include an extension of unemployment benefits, energy assistance, food stamp benefits, or fiscal relief to states for Medicaid.                       

                  From the above analysis, the question arises whether poor are responsible for their own condition. The above analysis implies that recipients become dependent and lethargic due to vast welfare measures. Scholars such as Murray (1984) and Kilty and Segal (2006) have emphasized on individual factors. They argue that welfare measures and lack of spirit and motivation among indigents contribute poverty. Danziger, 1999 argues that during the Nixon era increased welfare measures encouraged idleness. Kilty and Segal, 2006 also argues that poor people can come out into a state of self-sufficiency from dependency by learning proper work attitude and skills. Kilty and Segal, 2006 argue the importance of welfare reform and a ‘tough love’ approach would ultimately help the poor by making them conscious of their condition and forcing them to take their own responsibility. Bill Clinton’s emphasis on ‘personal responsibility’ and measures to ‘end welfare as we know it’ in 1992 all supports the above argument.

                     Due to the implementation of TANF, the numbers of people on welfare have decreased. As a result more funds are accumulated. In 1996 the number of ADFC recipients was 12,644,076 while in 2001, the number of TANF recipients was 5,91, 811 and the poverty rate also reduced from 13.7 to 11.3 ( Kilty and Segal, 2006) and while in 2008 it is 1,628,422  ( US Dept of Health and Human Services). The share of single mothers on welfare (based on administrative caseload counts divided by population numbers) rose from 38 percent in 1969 to 48 percent in 1980, but had fallen to 30 percent by 1998 ( Kilty and Segal, 2006). These caseload changes are widespread, with every state in the country experiencing substantial caseload decline. This decline has been widely hailed by politicians as an indication that policies designed to reduce dependence on public assistance and move less-skilled adults into the labor market have been extremely effective ( Blank, 2007). But however Blank argues that declines in welfare do not affect the poverty rate. The poverty rate in 2007 was 12.5 percent, increasing slightly from its level of 12.3 percent in 2006. The poverty rate increased for four straight years from 2000 to 2004. In 2007, the poverty rate was 1.2 percentage points higher than it was in 2000 (Blank, 2007).     

States welfare initiatives

                      Most states took a significant decision about reform, and this decision was sensible in light of state goals and experience. A few states did not seriously make reform policy. New York was so deeply divided that it took no serious decisions about AFDC (Mead, 2002). Alabama and Missouri were pushed into reform by federal action and appeared to have little welfare policy of their own (Mead, 2002). In several other Southern states (Florida, North Carolina), policymaking appeared to be casual and personalized, with the governor or legislators offering reform plans with, apparently, little inquiry or evidence behind them( Mead, 2002) . Texas policymaking was incoherent as the state claimed to pursue work first but based its policy on an experimental program and focused far more on education and training (Mead, 2002). States have always emphasized on reform. But sometimes lower contribution towards these plans result in total failure of the program. Mead (2002) argues that in Florida and Georgia, however, officialdom was dragged into reform but showed little commitment to it. In Arizona and California, the agency or major localities had been heavily committed to a skills-oriented approach to welfare and resisted the shift toward work first. In Texas, welfare reform was a lower priority to administrators than rebuilding non-welfare employment programs and other initiatives. In Colorado and New Jersey, local agencies had a history of defiance toward the state government, and this prevented them from fully endorsing reforms decided in the capital. Mead (2002) argues that inspite of establishment of Employment Service (ES), a federally-funded job placement agency, and training programs under the federal Job Training Partnership Act (JTPA), poverty rate did not improve. After national welfare work programs were first enacted in 1967, the ES engaged in welfare practices. But because the ES’s routine stressed serving job seekers who came to it voluntarily, it generally performed poorly with welfare clients (Mead, 2002). These jobseekers came to it on a mandatory basis, as a condition of receiving aid. To succeed with them, the agency had to enforce work but also support employment with special services. The ES often found both these roles uncongenial (Mead, 2002). The ES was denoted to the role of contractor to welfare and later in 1988 the Workforce Investment Act (WIA) merged the ES, JTPA, and other non-welfare work programs. But this merging also created confusion. The problems included lack of clear procedures to refer clients to WIA, to serve them there, or to report results back to welfare. The states that lacked coordination and inadequate management information systems (MIS) were Massachusetts, Rhode Island, Tennessee, Washington, West Virginia, Florida, Georgia, and Tennessee.      

                         Colorado’s public reform has been associated with decline in poverty rate. By the close of 2000, Colorado’s unemployment rate dropped to 2.6 percent, personal income showed steady gains, state welfare cases declined dramatically, and State legislators wrestled with an estimated $833 million revenue surplus (Colorado Fiscal Policy Institute, 2001). But inspite of all the above facts poverty still persists as expenses like child care, out-of-pocket medical expenses and geo-graphic differences in housing costs increased. The increases occurred even after adjusting for income support such as tax relief, food stamps and school lunch programs, housing subsidies and energy assistance. A report published in 2001 by the Colorado Fiscal Policy Institute determined that a single parent with two small children living in Denver County would need to earn an annual salary of approximately $39,924 in order to meet their basic needs such as housing, food, health care, childcare and transportation without public or private assistance. Even child poverty rate is high in Colorado. About 180,000 children, 15.7 percent of the state total was living in poverty in Colorado in 2006, a 73 percent increase since 2000 (Frosch, 2008). The state of Colorado purchases childcare for income eligible families through the Colorado Child Care Assistance Program (CCCAP). The state allows individual counties to set the purchase price of childcare and make payments to providers from a combination of parental fees and federal, state and county funds. However, the Colorado Office of Resource and Referral Agencies (CORRA) found in a 2001 study that the average county payment fell below 75 percent of market value (Colorado Fiscal Policy Institute, 2001, pp 9). As a result counties forced providers to subsidize the cost of service to low-income families, which many were simply unwilling to do when limited slots could be filled with families that could afford to pay full rates. Other providers that chose not to simply refuse service to CCCAP families saved money by limiting the number of children on CCCAP that they would accept, cutting programs, or reducing workers’ wages. All of these actions limited availability and sacrificed quality of care to low-income children. Poverty still exists in Colorado despite initiatives to alleviate poverty as too many working families lives with incomes below the poverty line and more families earn wages simply too low to afford their basic needs. The Colorado government started the Common Good Caucus in 2007 to develop a 2009 agenda, emphasizing on K-12 education and determined to bring technologies out of the laboratory and into the marketplace by investing $4.5 million dollars in bioscience industry, supporting the Clean Energy fund to reduce high family utility costs , creating the Colorado Solar Incentive Program with $2 million to provide rebates for photovoltaic and solar thermal systems to help Coloradans join the new energy economy and cut their utility bills ( State Rep. Kerr Andy, 2008). Poor people cannot pay the full cost of heating and lighting their homes. Governments and social service agencies have long assisted low-income ratepayers in paying their bills through such programs as the Low Income Home Energy Assistance Program (LIHEAP), charitable fuel funds, levelized billing, discounts, home weatherization, energy efficiency, energy usage education and debt management. If all Americans live in weatherized and energy efficient homes and have the income to pay their full share of utility bills, all other ratepayers would save nearly $6 billion in poverty costs, including fuel assistance, lifeline and other rate assistance, weatherization and efficiency costs, the costs of late payments and service disconnections (Oppenheim and MacGregor, 2007).      

Recommendations  

              From the above analysis it is clear that poverty remains pervasive due to the economic system, social stratification and welfare measures. According to Iceland (2003) on one hand, economic growth and technological changes contribute to increase in wages and overall standard of living. Economic growth accompanied by rising education levels improves the condition of people. On the other hand, the market economy often exerts a contrary effect on poverty levels (Iceland, 2003). To maximize profits, businesses usually seek to pay low wage to workers which increase inequality and poverty. Again policy may increase or decrease the harmful effects of inequality. Combining the factors emphasized by both liberals and conservatives, poverty is multifaceted. I believe that a strong national effort would alleviate poverty. Employment opportunities for all so that that worker and their families can avoid poverty, meet basic needs and save for the future. Increasing hourly wages would definitely improve the condition of these people. A smaller share of unemployed low-wage workers, receive unemployment insurance benefits. I believe that states (with federal help) should reform “monetary eligibility” rules that screen out low-wage workers, broaden eligibility for part-time workers and workers who have lost employment as a result of compelling family circumstances. Workers should use this period of unemployment and the money received from the Unemployment Insurance System and upgrade their skills and qualifications. Thus adults should have opportunities throughout their lives to connect to work, get more education, and live in a good neighborhood and move up in the workforce.

                         Child care assistance to low-income families and emphasis on K 12 education would definitely reduce the rate of poverty in the United States.                          Low-income youth hardly attend college than their higher income peers. Pell Grants play a crucial role for lower-income students. Simplification of the Pell grant application process, and encouragement of institutions to do more to raise student completion rates would definitely improve the condition. Expansion of Pell Grants would make higher education accessible to residents of each state. The states at the same time should also develop strategies to make postsecondary education affordable for all residents. Expansion of the Saver’s Credit would encourage saving for education, homeownership, and retirement. As a result all Americans would have assets that would allow them to weather periods of volatility and to have the resources that may be essential for upward economic mobility. Apart from Saver’s credit, expansion of Earned Income Tax Credit would raise incomes and helps families build assets. Thus there should be opportunity for all so that children grow up in conditions that maximize their opportunities for success.

References:

Blank Rebecca (2007); Poverty to Prosperity; Center for American task force on Poverty;

www.americanprogress.org/issues/2007/04/pdf/poverty_report.pdf – Similar pages

Colorado Statewide Homeless Count (2007), School of Public Affairs, University of Colorado, denver.www.dola.state.co.us/cdh/Publications/Winter_2007_Statewide_PIT.pdf – Similar pages

Cook Richard (2007), Poverty in America

www.globalresearch.ca/index.php?context=va&aid=5905 – 61k – Cached – Similar pages

Corley Mary Ann (2003); Poverty, Racism and Literacy; ERIC Clearinghouse on Adult Career and Vocational Education

Danziger Sheldon (1999), Welfare Reform Policy from Nixon to Clinton, Institute for  for Social Research, University of Michigan.

De Navas-Walt, et al., “Income, Poverty and Health Insurance in the United States: 2005.

Diana Pearce Diana Pearce (1978) "The Feminization of Poverty: Women, Work, and Welfare," Urban and Social Change Review.

Iceland John (2006); Poverty in America; University of California Press

Isidore Chris (2008); the Trillion-Dollar Mortgage Bomb,

money.cnn.com/2008/04/21/news/economy/fannie_freddie/?postversion=2008042103 – 66k –

James Tobin (1993); Poverty in Relation to macroeconomic Trends, Cycles and Policies; Cowles foundation discussion paper.

Garima Dasgupta
http://www.articlesbase.com/politics-articles/anti-poverty-688499.html