Legislation Could Provide Interest on Back Pay for Federal Employees in Blow to Payday Loan Firms - OppLoans

Legislation Could Provide Interest on Back Pay for Federal Employees in Blow to Payday Loan Firms - OppLoans Legislation Could Provide Interest on Back Pay for Federal Employees and Defend Against Payday Loan Debt Traps Legislation Could Provide Interest on Back Pay for Federal Employees and Defend Against Payday Loan Debt TrapsInside Subprime: Feb 15, 2019By Ben MooreU.S. Reps. Terri Sewell, D-Selma, and Dutch Ruppersberger, D-Maryland have introduced legislation that would require interest on back pay to federal workers affected by the partial government shutdown.While the longest government shutdown in U.S. history may have come to an end, some federal workers are still recovering from the financial damage of missed payments, late charges, and interest accrued on loans. While some furloughed employees were helped by special bank programs or crowdfunding, many federal workers  turned to payday loans and pawn shops during the shutdown, which offered quick cash when few alternatives were available. But payday loans carry APRs of almost 400 percent on average, making them difficult for workers to pay back while covering their expenses, even with back pay.“The Trump shutdown created significant fina ncial insecurity for federal employees,” Sewell said. “Not only should the government pay back lost wages, it should work to reverse the real economic pain that will extend well into the future. When taxpayers owe the federal government, interest accrues on late payments. There should be no difference when the federal government owes its hardworking employees.”Ruppersberger added that he hopes the legislation would prevent another shutdown from putting workers in financial distress. “My hope is that this bill will serve as a deterrent for future shutdowns: never again should our hardworking civil servants be used as political pawns,” Ruppersberger said. “But in the unfortunate event that we experience another government shutdown, this legislation will ensure employees will be able to recover from the painful â€" and long-lasting â€" impacts.”The bill, known as the Back Pay Fairness Act (H.R. 1051), would mandate that federal agencies pay interest on back pay equal in r ate to the Treasury Prompt Payment policy, which applies to payments made to vendors and contractors. Not only would the bill protect workers in the event of a future shutdown, but it would also retroactively apply to shutdowns starting December 22, 2018.The legislation was first introduced in the Senate by U.S. Sen. Doug Jones (D-Alabama), who also asked that his paycheck be withheld until workers impacted by the shutdown get their back pay. “If the federal government can charge you interest for being late on your taxes, then it should be paying interest on late paychecks,” he said. “The more than 5,500 federal workers in Alabama didn’t ask for a shutdown and shouldn’t be punished for it. It’s only fair that the government pays them back with interest for putting them out of work indefinitely or forcing them to work without pay.”For more information on  payday loans, scams, and  cash advances  and  check out our city and state financial guides  including California, F lorida, Illinois, Texas and more.Visit  OppLoans  on  YouTube  |  Facebook  |  Twitter  |  LinkedIn

Employee Training And Development Plan - 753 Words

Annually each employee is required to complete a specific set of requirements to be qualified to remain qualified to continue employment within their place of employment. This job requires that the employee keep up with certain standards of productivity and performance to stay competitive. Most companies must require that the employee engages in job related training and development courses in specifically related to their job description. According to Landy and Conte (2013) development is the formal education, job experience, mentoring, relationships, and assessment personality and abilities that help employees prepare for the future. Training is the systematic acquisition of skills, concepts or attitude that results in improved performance in another environment. Annually organizations spend billions on employee training each year, to make sure that they continually invest in educating the individuals within their workforce. It is important that each employer detail a â€Å"training and development plan that will help employees to improve their job knowledge, remain up-to-date and give them the tools required to handle job operations with relative ease and comfort. Training and development also ensure employees can competently, meet the deadlines, achieve the targets and show performance as they know the most effective and efficient ways of performing jobs. Further, the increasingly complex nature of modern job demands systematic training to make possible even minimum levels ofShow MoreRelatedAction plans1415 Words   |  6 PagesAction Plans: Enhancing Training Development for Employees Abstract This research paper analyzes and summarizes three published articles and a textbook that provides information on the results from a previous research conducted. 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The three articles vary in the definitions of an action plan, the differentRead MoreHrm 326 Employee Development Complete from Week 1 to 5728 Words   |  3 PagesHRM 326 Employee Development Complete from Week 1 to 5 Purchase here http://homeworkonestop.com/HRM%20326/hrm-326-employee-development-complete-from-week-1-to-5 Product Description HRM 326 Employee Development WEEK 1 Individual Assignment, Organizational Focus and Goals Discussion Questions 1, 2, 3, 4, 5 WEEK 2 Individual Assignment, Training Key Areas Learning Team Charter Discussion Questions 1, 2, 3, 4, 5 Weekly Quiz WEEK 3 Learning Team Assignment, Needs Analysis DiscussionRead MoreTraining Package1290 Words   |  6 Pagescom DHS Employee Training Plan State Of Employee Training in DHS Adoption and implementation of the Training Plan will assure the alignment of training resources with DHS program needs and administrative priorities. 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This training will be held for two days to ensure all Human Resource Recruitment and Placement Specialist can benefit and implement directly from the Annual Training and Development within guidelines and current requirements. This plan hol ds the organization s training mission, critical training, and any special training needed to help implementRead MoreEmployee Career Management Plan - Hrm 531 Essay1513 Words   |  7 PagesCareer Management Plan For New Employees * Career Development Plan Part III – Performance and Career Management HRM 531/Week Four July 26, 2010 Abstract Management has been tasked to develop a performance and management program that will provide new employees with resources to advancement opportunities with InterClean. Not only will the development of the Career

Literature Research and Essay Sleep Deprivation and...

What is the recent evidence that links sleep deprivation with an increased risk of cardiovascular disease? Introduction Recently, many epidemiology studies were conducted to find out the effect of sleep deprivation on the risk of cardiovascular diseases. Sleep deprivation is a concern for the working population especially the shift-workers. If sleep deprivation leads to cardiovascular diseases, they are at higher risk of suffering cardiovascular diseases such as hypertension, myocardial infarction and stroke. I chose five recent studies that provide an insight of the relationship between sleep deprivation and cardiovascular diseases. Sleep restriction increases the risk of developing cardiovascular disease by augmenting proinflammatory responses through IL-17 and CRP A cohort study was conducted by van Leeuwen et al to investigate the effect of sleep deprivation on the cardiovascular system through immunological response (van Leeuwen et al., 2009). Nineteen healthy young men with regular sleeping behaviour had physical screening. The experimental group (n=13) had sleep duration of 4 hours for 5 nights, followed by recovery sleep (8 hours) for 2 nights. Proliferation of IL-17, a proinflammatory cytokine increased significantly after sleep restriction and its concentration was not reduced to baseline level after 2 nights of recovery sleep. In addition, significant increase of C-reactive protein (CRP), an inflammation marker was also measured and its concentrationShow MoreRelatedPsychological And Biological Factors Of Health Psychology2113 Words   |  9 Pagescontributors to health and disease. Health is determined by several factors including genetic inheritance, personal behaviours, access to quality health care, and the general external env ironment. Over the past several decades, the area of health psychology has seen the rise of a great interest from researchers, motivated by recent evidence that psychological and biological factors have important implications for health (Kiecolt-Glaser et al. 2002; Cohen et al. 2007). This essay addresses the interplayRead MoreExploring the Relationship Between Physical Health and Mental Health for the Person with Dementia.5918 Words   |  24 Pages aggression and wandering, which complicate care and can occur at any stage of the illness. Family carers of people with dementia are often old and frail themselves with high levels of depression and physical illness† (DOH 2009) The following Essay will consider the relationship and impact between physical health and a diagnosis of dementia, for the person with dementia and their family carers. The importance of having a focus on both physical health and healthy living will be discussed, andRead MoreDieting Makes People Fat Essay19490 Words   |  78 PagesThis has been investigated in biomedical research. Smoking leads to various diseases like asthma, insomnia, heart murmurs, emphysema, strokes, heart disease and lung cancer among a wide variety of diseases and conditions. Lung cancer causes nearly 27% of deaths in smokers alone. This form of cancer may appear as soon as one starts smoking. It takes many years for lung cancer to manifest. It is considered as a number one killer in smokers. Also, heart disease leads to 24% of deaths from smoking. TheRead MorePsychology Workbook Essay22836 Words   |  92 Pagesmethod? The scientific method proves or disproves competing ideas. Scientists make careful observations and therapies which are revised based on new observations . 2. The steps of the scientific method are (1) identify a problem or research question, (2) design a study, (3) collect data, (4) analyze data, (5) draw conclusions, and (6) communicate findings. Identify the step associated with each of the following activities: __3___ Dr. Lopez noted absent or present by each students

SCI Wk 1 Lab Reporting Form Essay - 604 Words

Lab 1 – Introduction to Science Exercise 1: The Scientific Method Dissolved oxygen is oxygen that is trapped in a fluid, such as water. Since many living organism requires oxygen to survive, it is a necessary component of water systems such as streams, lakes and rivers in order to support aquatic life. The dissolved oxygen is measured in units of parts per million (ppm). Examine the data in Table 4 showing the amount of dissolved oxygen present and the number of fish observed in the body of water the sample was taken from; finally, answer the questions below. QUESTIONS 1. Make an observation – Based on the data in Table 4, discuss what patterns you observe in regards to dissolved oxygen content and fish populations in the body of†¦show more content†¦Independent-dissolving oxygen. Dependent-fish. No control-because the pump was never turned back on and without the pump we can not control the fish dieing. 5. Analyze results – Assume that your experiment produces results identical to those seen in Table 4, what type of graph would be appropriate for displaying the data and why? Answer = A line graph will be appropriate because it supports the hypothesis because it provides clear results. 6. Analyze results - Graph the data from Table 4 and describe what your graph looks like (you do not have to submit a picture of the actual graph!). Answer = It would have categories for the number of fish, the amount of water, the tempature of the water, and if nutrients were added. 7. Draw conclusions - Interpret the data from the graph made in Question 7. What conclusions can you make based on the results of this graph? Answer = The graph shows the fish population increases in due to more dissolved oxygen that is found in the body of water. 8. Draw conclusions – Assuming that your experiment produced results identical to those seen in Table 4, would you reject or accept the hypothesis that you produced in question 3? Explain how you determined this. Answer = I would accept the hypothesis. Because the experiement is replicable because only one test was done at a time and all steps were included. References Francis-Floyd, R. (2003).

Analysis Of Robert Frosts Stopping By Woods On A Snowy Evening Essay Example For Students

Analysis Of Robert Frosts Stopping By Woods On A Snowy Evening Essay Robert Frosts Stopping by Woods on a Snowy Evening is by far one of my favorite works of modern poetry. The pensive, unhurried mood of the poem is reflected with a calm rich imagery that creates a vivid mental picture. The simple words and rhyme scheme of the poem give it an easy flow, which adds to the tranquility of the piece. Every aspect of the poem builds off the others to put the mind into the calm of a winter evening. The first stanza of the poem is rather simple and provides the basis for the imagery. It mentions the woods and implies that they are located away from town and civilization his house is in the village though. It also shows the easy pace that speaker is taking, having plenty of time to simply watch the falling snow. As I think about them, the words of the first stanza are not overtly somber, they do however through their order and the way they were chosen create a rather pensive mood. The second stanza provides a more in depth view of the imagery sketched out in the first; it also provides a more definite time and location. The first two lines of this stanza firmly place the reader rather deep in the woods and away from any dwelling. He is so far out in fact that his horse is puzzled by his actions. The next line gives a better image of the scene Between the woods and frozen lake; it seems to be a rather quiet and lonely place. The next line then provides that it is night and very dark, either emotionally or actually. I think that Frost intended to make that line rather ambiguous The darkest evening of the year, It can either be taken literally as the most lightless night, or it can be taken as the night of the darkest emotions. I think that it is a combination of the two, a dark moonless winter night in which the speaker experiences some form of depression or loneliness. The third stanza of the poem brings the strangeness of the situation to a head. The only other living being in this cold lonely landscape, the speakers horse takes action to find the reason for the odd stopping. The noise from the inquisitive harness bells provide contrast to the quiet of the scene, where the only other sounds a wind and snow. The descriptions of the sounds provide a little insight to the speakers mindset and position. He is so still that he can here the soft fall of the downy flake and hear the movement of the easy wind. This also shows a great calm and patience that the speaker must posses. The final stanza of the poem brings all the sentiments of the poem together, an intense love and awe of nature, a never ending patience and some unknown task or problem that robs the speaker of rest. The dark and deep woods seem to reflect  the speaker, his dark emotion and depth of character. There stillness also contrasts with the need of the repeated closing lines And miles to go before I sleep/ And miles to go before I sleep. These final lines represent the problem that has plagued the speaker and that is most likely responsible for his dark mood. It is something that is undefined that does not demand a rush to deal with, but is important enough to demand attention. The poem as a whole, is a simple effigy of a quiet thoughtful night. I can easily relate to the poem, the emotions it describes and the way that the images are presented. The careless ease with which the poem is read is vital to the poem as a whole. Also this is my favorite poem, I didnt have to open the book to remember it, only to see its format again. It reminds me of the moods I feel on snowy nights or early mornings. I live in the woods and before I drove; I often walked through them as a shortcut to visit friends, so I have many memories of stopping by a neighbors wood on an easy walk home, and watching the snow slowly fall.

Banking Concept Of Education Essays - Critical Pedagogy, Pedagogy

Banking Concept Of Education A brief analysis of "The Banking Concept of Education" There have always been numerous theories in relationship to the inadequacy of our education system here in the United States, as well as elsewhere in the world. The education of our children does not seem to be working and ahs also become a very complex and confusing subject, as many immigrants move into the country requiring special language instruction, unnecessary classes such as art and music are removed, adequate funding for materials is harder to obtain, and children live in fear of violence within their classrooms. These are the main concerns of the educational system today, but these may well not be the real problems within the schools. It may be that education has never allowed children to think for themselves, and the problems we are experiencing today are hard felt due to the fact that correct education was not implemented long ago. The subject of inadequate education is the subject of Paulo Freire's essay "The ?Banking' Concept of Education." While he does not address the specific realities previously mentioned, the finger he points at the method of educating clearly indicates that this may well be a reality in our country, as well as others. Freire's essay details a most fascinating concept of education called "banking." He illustrates how the teachers come tot he education system, intent on filling the childrens' heads with all the information they assume the children don't know. It is like there is spare room in the child's brain and it must be filled, like money fills up the bank. Freire states that "Education thus becomes an act of depositing, in which the students are the depositories and the teacher is the depositor. Instead of communicating, the teacher issues communiqus and makes deposits which the student patiently receive, memorize, and repeat" (208). In further examination of his theory he presents the following attitudes which clearly detail the various aspects of education covered in his essay: a. the teacher teaches and the students are taught; b. the teacher knows everything and the students know nothing; c. the teacher thinks and the students are thought about; d. the teacher talks and the students listen-meekly; e. the teacher disciplines and the students are disciplined; f. the teacher chooses and enforces his choice, and the students comply; g. the teacher acts and the students have the illusion of acting through the action of the teacher; h. the teacher chooses the program content, and the students (who were not consulted) adapt to it; i. the teacher confuses the authority of knowledge with his own professional authority, which he sets in opposition to the freedom of the students; j. the teacher is the Subject of the learning process, while the pupils are mere objects (209). Freire continues in this vein and thoroughly illustrates how these assumptions truly are a part of most educational systems. But he also provides a different perspective as well. But in offering the most effective method of moving from the obvious banking mold, he claims that "one does not liberate men by alienating them," indicating that these individuals who see his reasoning would do well to clearly attempt to change the education system, rather than openly oppose them, as is seen in many cases involving education where groups instill their own methods in a very alienating manner. This can be seen in many Christian schools as well as in home schooling, which is seen, by the majority of the society, as an incredibly alienating and self gratifying mode of education. In Freire's proposal he illustrates that "Those truly committed to liberation must reject the banking concept in its entirety, adopting instead a concept of men as conscious beings, and consciousness as consciousness intent upon the world. They must abandon the educational goal of deposit-making and replace it with the posing of problems of men in their relationship with the world" (213). This idea of consciousness is incredibly enlightening in relationship to education, which is obviously not succeeding in its present condition in our country. And in relationship to other countries, this type of education, i.e. banking, can easily be spotted. Hong Kong offers a prime example of such banking education practices today. While the past educational system of Hong Kong may well have been different, today there is a very heavy communist influence which has greatly effected the education system. Even such a simple reality such as all subjects being taught in English, to adequately prepare Hong Kong children for higher education in reputable colleges, is being

Definition and Examples of Creoles

Definition and Examples of Creoles In linguistics, a creole is a type of  natural  language that developed historically from a pidgin and came into existence at a fairly precise point in time.  English creoles are spoken by  some of the people in  Jamaica, Sierra Leone, Cameroon, and  parts of Georgia and South Carolina. The historical  transition from a pidgin to a creole is called creolization.  Decreolization is the process by  which a creole language gradually becomes more like the standard language of a region (or the acrolect). The language that provides a creole with most of its vocabulary is called the lexifier language. For example, the lexifier language of Gullah (also called  Sea Island Creole English) is English.   Examples and Observations of Creole Creolization-  A pidgin is the combination of two or more languages which sometimes occurs in trade contact, multi-ethnic or refugee situations, where participants need a functioning common language. . . . Sometimes the pidgin becomes stable and established and comes to be spoken as a mother-tongue by children: the language has then become a creole, which quickly develops in complexity and is used in all functional settings. The process of turning a pidgin into a creole is called ​creolization.(Robert Lawrence Trask and Peter Stockwell, Language and Linguistics: The Key Concepts. Routledge, 2007)-   A creole has a jargon or a pidgin in its ancestry; it is spoken natively by an entire speech community, often one whose ancestors were displaced geographically so that their ties with their original language and sociocultural identity were partly broken. Such social conditions were often the result of slavery.(John A. Holm, An Introduction to Pidgins and Creoles. Cambridge Univ ersity Press, 2000) Similar Features of CreolesLinguists have been struck by the similarities between widely separated creoles. These include such features as SVO word order, pre-verbal negation, lack of a formal passive voice, questions with the same forms as statements, and copula deletion. Some linguists argue that such similarities are evidence of an innate language faculty or bioprogram- that in conditions of impoverished linguistic input, children will nevertheless develop a fully fledged syntax based on universal grammar.(Michael Pearce, The Routledge Dictionary of English Language Studies. Routledge, 2007)Gullah-  The English variety spoken by descendants of Africans on the coast of South Carolina is known as Gullah and has been identified as a creole. Of all the vernaculars associated with African Americans, it is the one that diverges the most from (White) middle-class varieties in North America.(S.S. Mufwene, North American Varieties of English as Byproducts of Population Contacts, in The W orkings of Language, ed. by R. S. Wheeler. Greenwood, 1999)- On possible to get straight wood from crooked timber.(A Gullah  proverb,  from  The Gullah People and Their African Heritage, 2005)- The Gullah lexicon is  largely English. From his research conducted in the late 1930s, Lorenzo Turner was the first linguist to document over 4000 Africanisms in the Gullah lexicon,  many of them used as basket names (e.g. Gullah nicknames). Today you can still hear in normal everyday conversations such African retentions as  buckra white man, tita elder sister, dada mother or elder sister, nyam eat/meat, sa quickly, benne sesame, una you, and da the verb to be.  Other Gullah Africanisms such as  cooter turtle, tote to carry, okra plant food, gumbo stew, and goober peanut are widely used in mainstream American English.(Concise Encyclopedia of Languages of the World, ed. by  Keith Brown and Sarah Ogilvie.  Elsevier, 2009 Disagreements Over the Creole Roots of Black English in the U.S.[A]s for various arguments that Black English displays African or creole roots because of the role that aspect plays in its grammar (e.g., DeBose and Faraclas 1993), the issue is in fact not yet sufficiently examined to stand as an accepted fact. For one, tense plays a much more central role in Black English grammar than in Creoles or the West African languages of the Upper Guinea region, underlyingly marking the past and future as obligatorily as any Indo-European grammar (cf. also Winford 1998: 116). Second, typical of Creolist Hypothesis advocates generally insufficient attention to English dialects, the aspect arguments do not address the role that aspect in nonstandard British dialects may have played. This gap in argumentation alone renders the linkage of Black English aspect to Africa and creoles seriously incomplete, which is all the more significant given that there is indeed evidence that nonstandard British di alects are more aspect-focused than standard English (Trugdill and Chambers 1991).(John H. McWhorter, Defining Creoles. Oxford University  Press, 2005) Pronunciation: KREE-ol