Social Security in 21st Century

Social Security is one of the successes gotten by the Americans The program provides a foundation of economics security for more than 47 million Americans and their families. The reason for the built in protections, we have come close to eliminating poverty among seniors. It also helps in the provision of basic income to millions of families who have died or disabled of a wage earner.

Gana's Central Bank Crisis T-Hoop Emediate Un Unbab Sector with Tow Mani Banks

Ghana's Central Bank continues in its effort to sanitize the banking sector. Notably, among some obvious sanctions it has carried out the mandatory takeover of two private-owned banks: Capital bank and UT bank back by the state-owned Ghana Commercial Bank under the authorization of the Bank of Ghana in 2017. Other activities have been carried out by Ghana's Central Bank yet, the sector still needs some stability Currently, Ghana's banking sector is unstable though its prospect looks good in the too long future.

Ladies, Key Tips for Tips in Mind Howe Traveling Avoidance

Regardless of if the traveler is a male or a female, it is important to take precautions when traveling. Women travelers specially need to be cautious However, unlike many other countries, travel to America is much safer in comparison. Taking precautions will help abundantly, especially if you are a female.

The most important thing is to understand The culture you follow may be very different and so it is important to learn about the place you are traveling. Trying to follow the values of the country Being a rebel So it is vital to never overlook Try communicating with local people with an open mind and mingle with them.

Be ready for the weather Every state that you travel to may have a different climate condition. Southern States are usually hot and humid You can also be ready to experience snow and carry different types of clothes too. Take the weather conditions in consideration when planning your packing It would be a better idea to carry more of that need to know that you do not have enough Think about the places you will be visiting, understand the weather conditions and then be ready with clothes.

Relying on maps is a good idea, however, as well as other ways as well. Most tourist places are huge and just having one source for your travel. The distance will be Ask locals and improve your knowledge on the distance. Prepare yourself Highways are more often deserted and you will not find a lot of eateries on your way. This is exactly why you would have stock up on food, water as well as gas. It will be the best practice to venture out on these routes.

Apart from these tips, make sure you follow the regular safety tips. Keep your money yourself and never flash it out in public. Using a lot of jewels You can not do that for a later place. Never talk to strangers Keep the emergency number in memory and use it when necessary

Styling Present in the Face of Moment - True Story

Have you ever been one of those eatery birthday parties? The ones where they offer free beverages and eats, there is live music, etc. I went to one recently It was great I arrived there with a sense of expectancy.

I did not know who will meet there, but I know Yet, I was not consciously aware of this.

The place was packed I found an unused seat (there were two actually), asked those nearby if it was taken, and a man said he would move so I could sit there. Suddenly I heard the Spirit of God in me and I was able to talk to him, and to be ready to enter in - their life if they only let me in

Then a woman came out, almost ten years older than me, she started selling a magazine only the homeless sell. She had a successful morning. There were plenty of words and a lot of sharing. Besides, she spoke faintly and my poor sense of hearing in noisy places could not make sense. Dullness.

I sat there and ate, sipping coffee For about five minutes

Then I sensed God He was unusually quiet for this party room He looks ready, even sad. I asked him, 'what's your story?' He started to open, telling me about his work, his family, his injured leg. There was something special about this young man, but not special as the world sees it. As we chatted, I shared my life with him; The more I opened up, the more I sensed a curiosity and discomfort. I was tempted, but no way oh Lord!

About the third or fourth question in I said, 'Do you have faith?' It was almost as if he was expecting the question 'I read,' he said. 'What?' did not know I left it a few seconds. Then he said it ... 'I'm not religious, but I read the Bible; I love it. '

'I asked.' 'I started the New Testament, but have you ever read the Proverbs?' 'It's like changing your meaning from one day to another - different messages of wisdom.' A brief pause of seconds ensued. I sensed his behavior and said, 'Be patient, do not overpower the moment with you!'

As I obeyed, staying in the awkward moment, I watched him thinking, and I watched him develop the conversation. I was trying to pace the interaction for him, to allow him to be the real inquiries.

Finally, after what was probably only fifteen seconds, I asked him, 'what proverb are you thinking right now?' and he shared two - exegeting them both, passion rising. Then his response was swift, 'What about you? Do you like Proverbs? ' 'Yes,' I said, and the Spirit gave me the say Proverbs 27:19 and 4:23.

We established that we were there people and to help them. I offered him my number, which he wrote down Then, having asked him many questions about his goals and dreams and joys, I asked him, 'Are you troubled?'

Another long, awkward pause - God doing business within him

Part of his visual response was pain, another part was denied, another part protection - he'd only known me a little over thirty minutes - was I safe? 'I've got many little problems, nothing worth sharing ...' 'Every problem you have is important to God,' I responded. Another long pause.

Soon afterwards he decided to leave And I started chatting with the old woman

Within four hours I received a text message from the young man outlining his key sadness, asking if I would be willing to help. Prayer answer Lord God, help me serve him well

I write this and share it for one reason ... God is living and active, everywhere, and there are people everywhere I write not for kudos, but for God's will to be able to connect with him God showed me the power of pacing the conversation, and the value of living in the awkward moment, to allow the young man the precious time to think, to trust, to ponder what he wanted to say

What Is Most Improv New Technology for Solving World Problems?

Years ago people of one country had communicated with another country through analog telephones, fax and hand-written letters which were time-consuming. With the advent of much newer technologies, it is possible now The article focuses on this aspect. So read on to find out

Solving world problems involves people And they can use the technologies of a cell phone, email and Skype to correspond, hold conversations and come to an agreement or solution.

With cell phones, you can share your views in short and let you know. Later you can go on Skype, going into more details. You can keep the follow-ups of your conversations via email.

You can add people to a group on Skype; so can you get a group in an email account like Gmail. You can add or delete people as you like The main idea is to work with people

You need to make your email and Skype accounts securely with strong passwords so that nobody is able to hack them. Your phone calls should be confidential and if you are using Viber

You may want to keep separate accounts for the important team of people. That way you can track

United States, Europe, Asia and Africa So it is important that you have your own schedule when you are communicating with others via online meetings. It is good to send pre-written emails to your team/group.

It would be a good idea to bring people into a specific place to hold views and conversations. But virtual meetings are much better to hold down the cost of expenditure for a stay in hotels and flights and hence, saving time and energy

So I will suggest cell phones, Skype, and email correspondence is the best technologies to communicate with one another, discussing views in a group and finally coming to a solution for a global problem.

Secrets of Bonding 163: Financial Statement Fraud

You know the old adage, "Financial statements do not kill people, people kill people."

While it's true, there is a misrepresentation and fraud in a financial statement (FS), the document is not inherently bad, it is the poor intentions of the preparer or company that is to blame.

As credit analysts, we always review and rely on FSs when underwriting surety bonds. We know there may be mislead our judgment or even downright deception. But the need to evaluate the financial report is unavoidable. It is considered a valuable "report card on the quality of management."

There are three levels of financial presentation by Certified Public Accounts (CPAs):

Compilation - a properly organized report where the numbers are not verified or evaluated by the CPA
Review - includes some checking "Review" of key elements
Audit - is the highest level and includes the CPAs statement that they have checked and believed the numbers are correct
The reader of the FS is entitled to certain expectations: A candid and complete presentation that informs the reader. Are they entitled to more than that? Does the reader sometimes expect too much?
Let's think what the FS really says, and what it does not ...

The Balance Sheet

This shows assets and liabilities. It describes the dollars in the company (assets) and who owns them (liabilities and stockholder's equity). You know many of the general entries: cash, accounts receivable, accounts payable, inventory, bank credit, the net worth / stockholder's equity section, etc.

The balance sheet has always been a date, such as 12/31/2017. It shows the status of these accounts on the one day. Credit analysts calculate the Working Capital aka Net Quick (NQ) which is a measure of short term financial strength. You can find the NQ by subtracting current liabilities from current assets. When the bond underwriter has the NQ number, it can be incorporated into the decision making.

What size bonds will be approved for this applicant? How much can they be allocated? The NQ figure is a benchmark that is used for the reminder of the year.

For many analysts, this is a great success for the following 12-15 months.

Let's move forward in one day, to 1/1/2018. "Happy New Year!" and let's check the bank account Some money has come in! The accounts receivable and cash changed Other changes have also occurred and so, if we calculate the NQ based on the 1/1 balance sheet, the NQ will probably be different from 12/31. Again, that's because the balance sheet shows the state of these accounts on ONE DAY. It is always changing!

The reality is that the working capital number is only correct for one day, then it is subject to change This is not possible And certainly the decision-makers must have benchmarks and a method for their determinations. It is very important

Financial Statement Fraud

The most common FS fraud It is the self-deception we commit by over relying on these "one-day numbers." To do so

Underwriters love to see a big cash account sitting on that top line. But that's a one-day number Is not it even more important to determine the amount of deposits for the first six months or year? Many analysts fail to ask for this info

Accounts Receivable and Payable - Here is another key area where the "one-day number" can easily be a historical perspective. Aged schedules of A / R and A / P are easy to get and one day more than one day. These documents are not automatically included in FSs, and underwriters may fail to ask for them.

Conclusion

As readers of these documents and analysts, let's not cheat ourselves over over the balance sheet or thinking it is more than a one-day snapshot. It should be scrutinized and viewed in harmony with other key underwriting factors such as mid-year financial reports and supporting documents.

What First-Timers in a Nightclub Soul

For a nightclub Most people have heard many stories, as well as seen the hype, and now they are ready to witness it directly.

However, before they go past the ropes,

Q: What is the first time club gets into fast and to take full advantage of their first experience at a nightclub?

A: The best thing to do In doing so, their first time experience will linger longer in their memory than an alcohol sticker shock. They should remember, though, to come early, bring their ID and have fun with every wow factor offered by the local venues.

Q: What extra pointers do you give them in terms of etiquette when standing in the club and inside as well?

A: They should always be polite They should not request for anything Otherwise, they will be removed from the club.

Q: Will the saying "money talks" work in a nightclub? Will the tip of the staff or security help them get in faster?

Honestly, it will not let them go too far. For faster entry Or else, they should plan ahead

Q: To get the list, will it be the best to talk to a promoter / club host first or talk directly to the club? How will this work?

A: Speaking with the club promoter / host is the best thing to do It will be easy to establish relationships, because hospitality is what motivates people A promoter will get these first timers on the list and also help in getting their table set up. They will have a VIP host all the night and to help them the whole weekend.

Q: What should be club goers expectation during celebrity-hosted night? Will they expect to be red carpet? Do celebrities mix with the crowd?

A: During celebrity hosted nights, an ideal spot on the dance floor will let them fully view the night's events. The red carpet can be too fast. Many people say that celebrities rarely mix with the crowd, but some have seen it happen Maybe it really depends on their mood

Q: What are the rules of the nightclubs?

A: GoPro's and large camera devices are usually not allowed Anyway, smart phones, nowadays, are able to take good quality pictures, and are acceptable at all venues.

Once you become a nightclub expert, you can now hit the venues in the right way. The above mentioned tips will let you the best time ever.
Writter- Karina Popa

Donald Trump makes America first or last?

Today we are looking that the relationship with some countries are going down for the politics of America right now. Its only for the tricks of Donald Trump who is the worst president of America in the history.