Impact of ICT Innovations at NG-CDF

Impact of ICT Innovations at NG-CDF The Board acquired internet from two ISPs (internet service providers), Safaricom and Accesskenya, providing availability of reliable redundant global connectivity. Connectivity therefore has allowed access to internal systems such as email, ERP (Enterprise resource planning) and website at ease. Learning through research on the internet has improved. The Local Area Network (LAN) and Wireless LAN has provided interconnectivity within the office. Resources can be shared among users and computers with minimum movement of staff. Wireless LAN on the other hand has also encouraged BYOD (bring your own device) culture in the organization and improve staff mobility. Recently the Board implemented MPLS (Multiprotocol Label Switching) to regional offices providing access to internet and telephony services at a minimum cost. MPLS is a multipoint connectivity system that allows regions and HQ to communicate to each other like they are in one office. The regional offices can now be reached by a telephone extension. Connectivity through MPLS has also allowed the implementation of SIP telephone services whereby a pilot line is given which in turn allows for configuration of 999 parallel lines hence direct lines. The firewall protects the organization from internal and external threats. These threats come in form of spam messages, phishing sites and viruses. Threats penetrate networks using services or ports that may be or may not be used in the organization. The firewall therefore assists in filtering out those services that may allow threats into the network. In addition, internet bandwidth is a limited resource and therefore need to be controlled, services that consume a lot of bandwidth are then disabled so that users can have a fair usage of internet without affecting their duties. The firewall also allows for scheduling and QOS to prioritize certain services at a certain time. Kaspersky central Management allows the system administrator to monitor threats to the organization systems in form of computer viruses. The central management is an all in one portal where admins can perform certain tasks remotely from a server e.g. install, manage and license Kaspersky remotely, push updates remotely, manage devices, enable or disable e.g. USB To secure the server room CCTV is installed to monitor physical access and intrusion of unauthorized staff members thereby improving on data security and management. The CCTV system allows for live picture and playback options and to save/export a video for future reviews The Board has a registered domain name, cdf.go.ke and subsequently each staff member is assigned an email address. The email system, running on the latest version is accessible 24/7 anywhere anytime through a computer or supported mobile devices. Guidelines and manuals to access the mail portal have been developed by the department to help staff members adapt to the system easily. The Board has installed Spiceworks helpdesk system which is an open source helpdesk system that allows the department to have a bona fide support ticket-tracking system and generate reports of the same to gauge their performance. Users raise tickets by email, telephone call or through the Spiceworks portal, the ICT department then are able to view and prioritize them accordingly. Once the case is solved, the ticket is closed. The bulk SMS system is web based system which the Board uses to disseminate important information through short messages to staff members within the shortest time possible. Within the system, targeted groups and individual contacts have been preloaded to the system; these groups are All Staff, FAMs, directors, HQ Staff etc. The board has seen improvement in communicating matters relating to the board or staff on time without the need for lengthy and slow means of communication; this has improved the accuracy of the information passed and avoided speculations on sensitive Board matters. The system provides information to the Boards customers using USSD (Unstructured Supplementary Service Data) is a Global System for Mobile (GSM) communication technology that is used to send text between a mobile phone and an application program in the network. Information available is allocations and disbursements for each constituency from FY 2013/2014 to date. The USSD is integrated to the bulk sms system so that results can be sent to the end user. The user queries by dialing *483*6# from their mobile phone, then select the constituency by a quick search, they will then choose whether they need allocations or disbursement information. Once confirmed, the results are then sent through SMS to the users phone via the bulk sms system implemented by the board. 100% of individual offices have been connected by a telephone extension, 70% of staff have an extension on their desks. The Board maintains a PBX which interconnects these extensions and the regional office extensions. Staff can communicate within offices on 10th floor, 5th floor and regional offices conveniently and for free. Trunk calls (external calls) can also be made and received by the board via providers like Orange Telkom and Safaricom. Orange provides the landlines while Safaricom provides a SIP line which emulates a mobile number with 1000 lines which can then be configured as direct lines. The SIP trunk therefore allows for multiple calls to be made without engaging or congesting the lines. A unique number is assigned, for the Board, this is 0709894, and the last 3 digits have then been assigned to a specific extension Number for example 0709894000 is configured on the extension at the reception as a pilot line, any other extension has also an incoming route creating a direct line scenario. Web portals are websites that maintain personalized information in a database in the background. Unlike any website, portals allow authorized users access to specific information meant for them specifically. They are even allowed to customize information they want to be displayed in their portal (space). The Boards web portal is integrated portal in that, the fund account managers can create their own websites within the portal by logging in to the system. The public can therefore access information on any constituency from one website www.ngcdf.go.ke by a click of a button. CDFMIS stores, organizes and makes access to project and financial information easy. It not only stores all the information relating to current and past years projects, but also stores the approved budgets for these years, details on inflows and outflows of funds. The CDFMIS Projects database is composed of four different functional aspects, each corresponding to a set of tasks the constituency must carry out as a part of its mission, these include project Information, bursaries Information, budget and Finance Information and Complaints Information. Data and Applications Software are stored in servers at the computer center located at CDF Headquarters in Nairobi. Operations data are entered at the various user locations at the Constituencies and Head office. Interconnectivity of the system is through Wide Area Network between the constituencies and the Servers; and through Local Area Network between the Servers and Head Office workstations. CDFMIS is operated the basis of on-line real-time; that is to say that updates occur immediately a transaction is completed; thus making information as current as the last transaction. Access to the system will be done via the internet/intranet through use of a web browser (Internet Explorer, Mozilla Firefox, etc.). Unique user-names and passwords are given by System Administrator. Microsoft Dynamics SL is a financial/accounting system used by the Boards Finance and Accounts Department. Microsoft Dynamics SL is one of Microsofts enterprise resource planning (ERP) software products for project-driven small- and medium-sized enterprises. It is part of the Microsoft Dynamics product family. The functionality includes finance, project accounting, manufacturing, field services, supply chain management, analytics, and electronic commerce. The major module used by the Board is the finance module.

Mortgage

The American consumer has now gotten himself into trouble by simply living beyond his means. This is nothing new in America as only 2% of those who are set to retire at age 65, have enough in their savings and investments to have the same standard of living that they once knew when they were younger. (Saft 2007 pg. C3) Credit card debt is skyrocketing and people can see no light at the end of the tunnel except for filing bankruptcy. What has been in the news recently and has shown how careless the American consumer can be is the number of foreclosures from supreme mortgages have gone through the roof and is to the degree that the fall out will likely result, and has already resulted in, effecting other sectors in the United States economy. There has been reported some relief as the Federal Reserve, on September 18th, announced that interest rates would be cut. This is only a short term resolution and the  ¼ % that it will likely be cut, will not bring enough relief to the millions of Americans who bought a more expensive home than they could afford. (Stempel, 2007) The predatory practices of lenders across the country have added to this as well. Sub prime mortgages deal with mortgages that were given to people with less than perfect credit scores who do not have to show to the same extent, financial proof that they can afford to pay the loan that they are applying for in order to buy their dream house. The fall out has occurred and will continue to occur as millions of people are in danger of losing their homes. The existence of the sub prime mortgage is important to note as well. Even at a conservative interest rate, a 30 year fixed mortgage, a lender will make on average, close to $200,000 on a $100,000 loan. (Rudd, 2007) Those that have the money to lend, will make a great deal of money in their return. The demand is high for homes as it is an important aspect of the American dream to own a home. However, many Americans suffer from poor credit scores as a result of past bills which had not been paid or past loans which had not been honored. As a result, this hurts the individual’s credit score; the most important piece of information that will help a lender to decide if giving a loan to the individual will constitute a risk to the lender. The lender is in the business of lending money and does not want to be in the necessary position to repossess one’s home. An individual with a low credit score and who was not able to prove that they had the necessary income to support their monthly mortgage payment, was denied the loan. This was for the protection of the lender as well as the borrorrer. These were the self imposed rules with the lending industry followed. Now, things have changed. There is so much money to be made in the lending market when good loans are made, that lenders are now playing on the lust that Americans have to own a home. This is not a lust to just own a home, but rather to own the largest and grandest home possible. The individual will not correctly study his budget to see the amount of a mortgage which he would afford and thinks with his heart and not his wallet. Also, the existence adjustable rate mortgages of ARMS; mortgages which are advantageous to the individual when the interest rate is low but which will rise, sometimes exponentially when the Federal Reserve raises the interest rate in order to stabilize the economy. In recent months, the interest rate has increased and therefore, mortgages which commanded an $800 a month payment, can now easily exceed $1100, depending on the initial interest rate which the individual was able to secure. (Seiders 2007 pg. 3) As a result, those individuals who have figured too closely, their budget and never really were in the position to buy a $200,000 home, default on their loan. Two missed payments and the foreclosure process begins. Full payment of the missed months, along with interest and penalty rates is what is needed for the individual to become up to date on his loan. For millions of people this decade, that has never come to fruition and not only are their homes lost, their credit is ruined for the next 7-10 years to such an extent that even the most predatory lender would shy away from giving that individual a loan in the immediate future. Needless to say, this effects those individuals who have no lost their homes, to a dizzying degree. However, there are other effects to the different sectors of the economy and the employees of these branches of the American work force who themselves, are not having a problem paying their mortgage and who though that they would never personally be effected from the sub prime mortgage if they were only smart enough to stay away from such predatory lenders. Such is not the case as so much of our economy is interchangeable and depends upon the success of the other. The fallout from the sub prime mortgage details such interdependence. One way in which the fallout from the sub prime market has affected the economy is in the stock market. There have been a number of very large companies which had either been forced to lay off thousands of workers, or have simply filed for bankruptcy. On June 20, 2007, Merrill Lynch seized more than $800 million in assets from two famous hedge funds that were previously involved in sub prime loans. (Saft, 2007 pg 4)   Now, these funds are worthless on paper and their assets have now been depleted. American Home Mortgage Investment Corporation announced that it had suffered a billion dollar loss and that a proposed $4.9 billion deal with Radian Group, would no longer come to fruition. (* Myers, 2007) Also, just last month, Countrywide, the largest American lender, accounted that it was being forced to cut 12,000 jobs from its payroll as a result of the sub prime mortgage fall out. It was reported that a staggering 19% of the total number of loans fell under the sub prime category. (Myers, 2007) It should therefore be no surprise to Countrywide, as well as those who follow the mortgage industry, when they hear of such steep job cuts. This was one of the hardest blows to the American economy and effects the economy in three main areas. The first effect is the fact that 12,000 people lost their jobs. Some individuals, for example, John Bryne, had been employed at Countrywide for over twenty years and now has lost a job and many companies will see him as too old to be hired. â€Å"I do not know what I am going to do. I was planning to retire with Countrywide. I will try to start over and on my own. However, I do not know if I will be able to find people who I can trust to repay their loan. It is a tough situation.† (Saft, 2007 pg.4) 12,000 people, along with the others who worked for lenders who are now out of business, have suffered the same fate. This is the result of individuals who have taken out a loan that they never should have had in the first place. When a mortgage is foreclosed upon, it is not only the individual who losses. The lender looses tens of thousands of dollars, sometimes hundreds of thousands of dollars, on the life of the loan. Also, lenders who have what the Federal Reserve regards as too many defaulted loans, and that lender can be shut down and find themselves out of business. Another negative aspect to the loss of 12,000 jobs from Countrywide, as well as the other lost jobs in the lending institution is the effect that it has on the stock market. The stock market and the study of it is a very complex thing. Many times, a business can meet its quarter estimates and enjoy a steady profit; its P/E ratio is superior to others in that field and yet their stock price continues to struggle and millions of dollars in investor’s money, is lost. All of the above mentioned factors are important factors in deciding if this is a stock which one should invest in. However, the Dow, NASDAQ and S &P are indexes which, to some degree, is based upon speculation and perception. On July 19, 2007 the Dow hit a record high of 14,000. By August 15th, the Dow had fallen below 13,000 and as a result, billions of dollars was lost. (wwwcbsmarketwatch.com) Such a decrease has happened before but such is rare. â€Å"The current losses in the stock market cannot be considered a self imposed correction. It is a direct result from the mortgage crisis.† (Rudd, 2007) The news of the sub prime mortgage meltdown has resulted in the average investor taking out millions of dollars of his own money. When there is an extended period of high levels of selling, this will lead to a bear market in which an extended bear market will often times lead to a recession. The current American economy is not there yet and the news that the Federal Reserve will cut interest rates will stem the tide of such things coming to reality. However, such negative news only hurts the economy as a whole and the major indexes can expect to take a major hit in the short as well as long term. This results in a depletion of billions of dollars of individuals’ hard earned money. A third way in which the sub prime mortgage fall out effects people who themselves are not in danger of defaulting on their loan, is the ways in which foreclosures affect the property values of the homes within a neighborhood. For many individuals, their home will be the most expensive investment that they will ever make in their lifetime. When home owners feel that their property values are decreasing, often times, this will increase the rapidity in which they will seek to move. A decrease of 10% or even 5%   in the individual’s property value is often times, enough of a stimuli to incite the individual to move. Those who cannot move or who cannot find a buyer for their homes, are stuck with the loss. How does this happen? There are many factors which appraisers take into effect when deciding a home’s value. One of the important factors is the % of vacant ( foreclosed)   homes in the neighborhood. Prospective new home buyers will be steered away from such neighborhoods as it is a sign of an economically depressed neighborhood and the possibility of their own home’s value increasing, is minimal. An average American will move at least 3 times in their life. That means, that there is a 66% chance that their home will be seen and used as an investment as well as a home in which to live. A home bought at $100,000 with even the remotest possibility of one day being valued at less than the purchase price, is often times enough of a reason not to buy that home and to generally steer clear of that neighborhood entirely or to rent for a longer period of time. This last aspect is detrimental to the city as the loss of property taxes hits the budget hard and impedes the services which the city is able to provide. The effect that the sub prime mortgage fall out has is mental as well as monetary. Many potential home buyers, those with superior credit, are simply postponing any purchases and is prompted to simply wait out the storm. â€Å"Showings are down, contracts written are down and sellers are just as backed away as buyers are. This from Lou Barnes, a partner in mortgage banking   with Boulder West Financial in Bouler, Colorado. Barnes continues to comment: â€Å"I think the psychological damage is worse than the financial damage which is already bad enough. Even for buyers who have plenty of cash can easily afford higher mortgage rates, the sudden change in the financing environment reduces the desire to buy a house unless you really have to.† (Donn 2007 pg. 3) This idea goes back to the concept that a home purchase is seen as an investment as much as a domicile. The self imposed prevention of potential buyers who have superior credit scores to buy homes, hurts the local economy and the businesses in the area. The negative effects of the housing fall out are intertwined, one depending upon the other. Another way the sub prime mortgage affects the economy is in the fallout. Sub prime mortgages, in a utopian world, would give individuals a second change at improving their credit scores and disallowing their credit mistakes of the past, from preventing them from one day buying a house. Many times, credit problems occur when an individual is in college. Generally, the maturity needed to fully appreciate the concepts of long term results to their immediate actions are void in their mindset. Money is tight and credit cards are readily available. As a result, many credit cards are charged to their limit until eventually the bill goes to collections and is reported to the credit bureau. Hopefully, that individual, upon graduating from college and being removed from the situation for a couple of years, matures to the degree that such occurrences would never again happen. However, without the existence of a sub prime mortgage, that individual would not be allowed to buy a home for years; until his or her credit score was improved to the new guidelines of a 660 FICO score from a previous 620 guideline. (Saft, 2007 pg. 2) Those who bought their home at the beginning of the year and who had less than perfect credit with incomes on the brink of the cut off point for their mortgage, could not have bought a home any later. The same young couple who goes to buy a house six months from now when the new guidelines are put in place in order to help avoid another fall out, will be forced to rent for another year or two before they can receive clearance for a loan. One of the most lasting as well as immediate effects upon the mortgage industry and those who depend upon it, are the lending practices. Economist Mark Doms states: â€Å"The sharp rise in delinquency rates on sub prime residential mortgages has raised concerns about credit underwriting practices and economic distress among borrowers and has drawn the attention of policy makers at the Fed and elsewhere.† (Doms 2007 pg. 3) This observation can equate to an effect upon possibly millions of Americans who were planning to buy a home in the next calendar year. This, as Mark Doms states, will have lasting effects. â€Å"Two of the potential channels through which house price appreciation may affect the sub prime delinquency rate that we suggest, are the incentive to protect home equity associated with recent appreciation in house prices on the demand for housing.† (Donn, 2007 pg. 3) Such observations will most likely come to fruition in the immediate future as it will be observed that the complete fall out from the sub prime mortgage crisis is yet to be fully realized. John Moutlon, former CEO of American   Mortgage Group stated the situation the best when he said: â€Å"It feels like this is just the tip of the iceberg and no one knows how it will shake out. We are trying to anticipate guideline changes.† (Myers, 2007) These are the real effects of the sub prime mortgage fallout; in the ways that it affects the average American man and woman. As an example, the story of two families highlights the real results of the mortgage meltdown. The real story of the sub prime mortgage is the effect that it has on the economy when these loans, on a wide scale, default and millions of individuals are affected. The Laird Family in Central Illinois was a new couple just starting out. Both parents worked but had modest jobs as the job market was not very strong in their area. The father, John was 25 and the mother Marie, was 23. They had a two year old child and were renting for the past 3 years together. Both had credit scores near 600 and their mortgage from a home that they were wanting to buy, would constitute 30% of their total monthly income. The price of the home was $140,000 with a $673 monthly mortgage payment. (Berry, 2007 pg C4) Their credit scores was not high and as a result, they were forced to pay a higher interest rate. However, they were sure that such a payment could be reached. They bought their home in May of 2007, just weeks before the mortgage meltdown. â€Å"I cant believe the timing. I am so fortunate. We both have poor credit scores and I doubt that we’d be able to secure a mortgage that was not sub prime† (Berry 2007 pg. C4) states John Laird. Their story was an American success story. However, those who came after John and who found themselves in similar situations, were not so lucky. In Oakland, California where the median home price is more than $400,000, homes are hard come by for those who are not very rich and who either have great credit or can put down a sizable down payment. This was not the case for Hector Esperanza. He earned a nice living at the age of 30 but the time when he first came to America as a legal citizen, were not so smooth. He ran up one unpaid bill after another and routinely had bill collectors calling him. In the last 3 years, he cleaned up his act and remained current on all of his bills. He then wants to buy a house for what is in comparison, a low purchase price of $228,000. His credit score was 615; right on the cusp of the old requirements but now, as a result of the mortgage meltdown in which lenders are now very nervous to approve such high risk loans, Hector was denied. His monthly payments would only constitute 25% of his monthly income. However, with the advent of stricter lending policies, Hector was seen as too much of a high risk. The sad state of affairs is that Hector is no longer the exception. The housing market is revolved around timing. No where has this become truer than in today’s current housing market. However, â€Å"prospective buyers are not interested in the appreciation in value that their homes could bring. Now, they are only wanting the chance to buy a home at all.† (Stempel, 2007) As a result, there have come from this current situation, some real and sobering numbers which affect millions of people. When viewing these statistics, it would behoove the lending industry to realize that this equates into many individuals who are severely affected. The forecast for the 2007 Housing market is bearish at best. It is expected that: there will be a decrease of 23% in single family home purchases. 22% decrease in the number of new homes being built and 44% of building companies reporting that their business has been affected in an adverse way and that 78% of the largest building companies have bee affected by the sub prime mortgage meltdown.   13% decline in the real Residential Fixed investment as well as a modest slippage in the real value of residential remodeling. (Christie, 2007) However, the full brunt of the sub prime mortgage meltdown, sadly, is yet to be realized. The worst may be on its way The current sub prime mortgage crisis is an example of how the few can ruin it for the many. Not everyone who has less than perfect credit would become a risk when buying a home. Everyone makes mistakes and those who have credit scores that are on the brink of the cut off, should be given the opportunity to own their own home. However, when lenders give $200,000 mortgage loans to individuals who have credit scores less than 550 and who clearly cannot afford the monthly payments, it ruins the entire housing market and hurts the potential and legitimate home buyers from owning a small piece of the American dream. Those people are now forced to rent. Less money is going to the city through taxes and a higher level of frustration is prevalent among millions of potential, first time home buyers who simply came to the table a few months too late. The sub prime market is relatively new and barely even existed just ten short years ago. The existence of the sub prime mortgage is a testament to the financial beliefs of the average American. Immediate gratification is what is popular and in buying the largest house, not because such extravagance is really needed but as a show of status is the motivation behind such purchases. The median home price in San Francisco is a staggering $1.1 million. (Donn 2007)   The buyers of these home can be divided up into two distinct groups;   those who can easily afford such prices and those who will go bankrupt in the attempt to do so. For the latter group, up until recently, have had no problem finding lenders who are hungry for their business. The fall out has come and personal responsibility, both for the individual as well as the lender has finally come full circle and forced the members of Congress, the construction industry, real estate agents and prospective buyers have been forced to take notice. As it was stated earlier, many feel as though this is the tip of the iceberg and future problems are only around the corner. The fact that the Federal reserve on September 19th, 2007, announced that they were going to cut interest rates provides some solace to the current mortgage crisis. Only time will tell if it will be too little and too late and what permanent changes will come out of this crisis in responsible lending practices. WORKS CITED Berry, J Predatory Loan Practice Lead to Mortgage Fallout. Chicago Tribune Business September 1, 2007 Christie, Les Subprime Blame Game www.cnnmoney.com Aired April 20, 2007 Doan, Mark. Home Prices and Subprime Mortgage Delinquencies. The Federal Reserve Bank of San Francisco www.frbsf.org Downloaded September 18, 2007 Myers, J Subprime and Shockwaves Bloomberg TV Aired July 19, 2007 Robb, G. Fraud in Subprime Loans www.cbsmarketwatch.com Retrieved September 17, 2007 Saft, J. Subprime Mortgage rap tars Good Consumers, Economy.   www.reuters.com Downloaded September 17, 2007 Seiders, D. Fed   Surveys Subprime Mortgage Effects. www.nbnnews.com/eyeonecon/issues/2007 Downloaded September 15, 2007 Stempel, J. Countrywide Plunges on Downgrade. Bankrupcy feared. Reuters August 15, 2007    Fed Cuts Interest Rate http://www.wbbm780.com/pages/962665.php?contentType=4&contentId=931793 Downloaded Septe Mortgage Though experts recognize that the mortgage relief bill is not thorough, recognize that it remains the best latest attempt to address the current housing crisis facing the nation. A crisis that has continued to dominate the United States presidential debates as well as make it increasingly difficult for the homeowners to repay their loans. To understand the depth of the crisis and the latest efforts to correct the situation, it is important to look at what mortgagee is and how it operates. Mortgage is simply the use of ones property to be security to a house loan. A mortgage transfers the legal rights of ownership to the pledged property to the lender in case the payments are not made as per the agreed terms. Such a loan is made in the understanding that the security shall revert back to the owner once the terms of have been fulfilled. To most people, mortgage is associated with real estates. It is a contract that involves a number of legal participants among them landowners who is referred to as the mortgagee and the borrower who is the mortgagor. Another term that comes into play in the mention of mortgage is foreclosure. Foreclosure simply refers to a situation where a lender terminates the contract after the failure of the mortgagor to stand by the agreement terms. This is usually in the direction of a court order. In foreclosure, a bank or any other financial institution that extends credit facilities repossesses a property if the homeowner is unable to comply with mortgage requirements (Carmen & Rogoff 12). Currently there exists a subprime mortgage crisis in the United States. This is a crisis that can be evidenced by a liquidity problem existing in banks after a high default rate in mortgages leading to foreclosures. The current mortgage crisis is seen to have largely been caused by subprime lending which simply is the act of advancing loans to individuals whose creditworthiness is uncertain or wanting due to a low income. It is this subprime lending that contributed to the bulk of the total foreclosures in 2007, over 43%,despite the fact subprime lending were only 6.8% of all lending in that year (Stokes & Mechem). The current economic recession in the united state has tarnished Bush’s presidency with most tracing a link to the hefty spending in the war. Bush insists that the slump is a s result of the mortgage crisis. That aside, he has received immense criticism for how he has handled the crisis and for not coming up with any concrete plans to ease the situation. He is also accused of standing by the big corporations instead of helping the low income group deeply embroiled in the crisis. This is a result of his stand in opposing the mortgage relief bill, a bill that has recorded considerable gains in the house. Though the bill has its flaws, it is seen as a reprieve to millions of homeowners who continually face the risk of foreclosure. The mortgage relief bill is aimed at providing tax reprieve to homebuilders. The local governments will be funded to rehabilitate deserted homes. Those that oppose the bill claim it is wrong spirited and will set a bad precedence of forcing â€Å"one neighbor to pay for the mistakes of another† (Anderson) Bush is opposed to the bill referring to it as a â€Å"bail out†. Some Republicans see it as forcing the 95% of homeowners that did it right to pay for the 5% that got it wrong. It is important to note though that the bill will pave way for a possible road to recovery and will go along way in preventing a further economic slump. Economists warn that if the situation is not arrested in time, it would degenerate to the worst debacle for the housing and the banking industries. It is apparent that the nation is reeling from the effect of a mortgage crisis that has been caused by increase in foreclosures as a result of subprime lending. Though the government is yet to come up with a comprehensive plan to arrest the situation, the mortgage relief act is seen as a step towards the right direction and might go a long way in easing the pressure off the homeowners and builders through a tax break. Works Cited Aleis Stokes &  John Mechem. Delinquencies and Foreclosures Increase in Latest MBA National Delinquency Survey. Mortgage Bankers Association, 12/6/2007. Retrieved on 13th May 2008 from http://www.mbaa.org/NewsandMedia/PressCenter/58758.htm Scott Anderson. Bush administration opposes Democrats' mortgage relief bill. CNN.com Edition. Sat April 26, 2008. Retrieved on 13th May 2008 from http://www.cnn.com/2008/POLITICS/04/26/house.mortgage/ Carmen M. Reinhart and Kenneth S. Rogoff . Is the 2007 U.S. Sub-Prime Financial Crisis So Different? An International Historical Comparison.. Analysis of Harvard economists. February 5, 2008, 12 ; ;

The Welfare Policy Regulates All Stages Of A Child s...

Policies are important to all that could benefit from them and could help our communities by helping them. Also, policies are important because our government is strapped for money. Since we face serious fiscal problems with the government running large deficits every year. Meaning we have to be smarter about our social welfare policies. It needs to be ensure that they really work so that they are not wasting money. Moreover, in 2004 in the United States about 3 million children were investigated because of alleged abuse or neglect. From that investigation 872, 000 children were confirmed victims of maltreatment; and an estimate 1,490 children died from abuse or neglect (U.S. Department of Health and Human Services, 2006). Child welfare†¦show more content†¦The bureaucratic model that was designed to legitimize the professional aims of child welfare work became a principal barrier to the use of family preservation models in public agencies. This bureaucratization is traced t o the efficiency paradigm that began to emerge in the early part of the twentieth century when a shift occurred form cause to function and from the democratic to the bureaucratic organization. Lubove described the origins of the efficiency paradigm in social work as follows: The quest for efficiency and administrative technique in social agency operations paralleled the caseworker’s efforts to reduce the range of intuition, subjectivity, and unpredictability in her own work. In both cases the volunteer introduced an element of uncertainty. Neither her livelihood nor social status depended upon conformity to agency policy or to the standards and procedures of professional casework. Volunteer service conflicted with the administrator’s desire for rational, efficient organization and the social worker’s identification with the agency as a vehicle for professional achievement. (Lubove, 1965, p.161) The efficiency pursued as a means for legitimizing the professional social worker has had its consequences. Today’s public child welfare agency has devolved into the organization type that sociologist, Max Weber feared in defining the pure bureaucratic type: bureaucratic efficiency has reduced the organization’s capacity to respond to

Police Brutality Justifiable Homicide - 895 Words

According to the FBI’s most recent accounts of â€Å"justifiable homicide,† in the seven years between 2005 and 2012, a white officer used deadly force against a black person almost two times every week. Of those black persons killed, nearly one in every five was under 21 years of age. For comparison, only 8.7% of white people killed by police officers were younger than 21. If you are an unarmed American male under the age of 21, being black (instead of white) more than doubles your chances of being shot to death by the police. When I read this I was left in complete shock that number say a lot about police brutality. That’s is 8 police attack a month, that really puts me in an angry mood. How could this continue on, who knows if this number has increased since then? With all the police attacks that has happened in the last couple of months is really sickening. And of those attacks, they were all under the age of 21, in fact, that puts me into that category and I couldn’t imagine being one of those victims. How someone could put through that police attacks. Police are supposed to protect and serve the community, but I guess that isn’t the case at all. And what stands out the most is the end of that sentence, your chances of police attacks are doubled, that really opens my eyes to the cruel world we live in. This makes me want to push that much harder to become a better person. And the only way that could happen is that I get a college degree, but who knows if that would be aShow MoreRelatedRace, Racism, And Racial Disparities1551 Words   |  7 Pages Race, Racism, and Racial Disparities in Police Brutality I. Introduction In recent years and in light of recent tragedies, police actions, specifically police brutality, has come into view of a large, public and rather critical eye. The power to take life rests in the final stage of the criminal justice system. However, the controversy lies where due process does not. While the use of deadly force is defined and limited by departmental policies, it remains an act guided chiefly by the judgment ofRead MoreNo Comprehensive Database Of Civilians By Law Enforcement883 Words   |  4 Pagesthem to report excessive or deadly force. Without a way of knowing how many people the police kill every day, the corruption and the death count will continue to rise, and seems it has been for quite some time. It is a very difficult challenge to document and prove police brutality given current laws and lack there of. The only number that is kept by any United States agency is the F.B.I s justifiable homicides list. 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WithRead MorePolice Brutality Is An Intentional Act Of Undue Force916 Words   |  4 PagesPolice brutality is an intentional act of undue force that a law enforcement officer uses to control a situatio n. This act violates the human rights of civilians and thus is unlawful behavior that exceeds the officer’s governmental power. Danilina (n.d.) stated: The most obvious form of police brutality is a physical form. Police officers can use nerve gas, batons, pepper spray, and guns in order to physically intimidate or even intentionally hurt civilians. Police brutality can also take the formRead MorePolice bruality essay for college class i guess1365 Words   |  6 PagesPolice Brutality Police brutality occurs daily across America. Police brutality can come in various forms, counting lethal and nonlethal force. Comprehending the exact commonness of police brutality is complex, because of the inconsistency in describing police brutality. The trouble in differentiating among justified and unjustified force. Police interactions often can be misconstrued, or sometimes turned around against an officer. Questionable behavior and complaints against officers can be filedRead MorePolice Brutality Racism1340 Words   |  6 PagesPolice brutality in America has been known to put fear in the lives of many Americans. Although police brutality is played out across all avenues of the media and many people see this happening, it yet does not change the fact that racism still exists in the justice system of America. People in positions of power yet have not done anything to rectify the situation and this has lead to the rise of â€Å"Black Lives Matter† movement. Numerous opportunities have been presented to officials to speak up aboutRead MorePolice Brutality And The Police800 Words   |  4 Pagesrecent shooting death of Michael Brown in Ferguson, MO and the resulting riots, the aggressive actions taken by police units has been pulled back into the spotlight, and law enforcement’s right to use force has been drawn into deep debate. People are angry and cannot seem to underst and why the police use force when and where they do. The have come to equate the use of force with police brutality when in reality it is a system of steps that are designed to protect innocent bystanders from potentially dangerousRead MorePersuasive Essay On Police Brutality1400 Words   |  6 Pagesbrushed off topic of police brutality and how it’s got to be stopped before it gets even way more out of hand. It’s just scary to think that the people who are supposed to protect you have a never ending list of just names and ages which they were responsible for killing. The ages of the deaths go to as young as 14 to all the way to 70 the lives of kids and elderly people are even being taken away and yet society and people of the United States are supposed to believe that the police are there to protect