Effectiveness Of The Legal System Of Protecting Consumer...

‘Assess the effectiveness of the legal system in protecting consumer rights’ I INTRODUCTION In regards to assessing the effectiveness of the Australian legal system in protecting consumer rights there are a number of areas, which must be critically examined. A clear understanding of the definition of consumer rights is a critical component to this analysis, as this will determine which areas of the legal system are in scope, relevant and need to be included in this assessment. In order to comprehensively assess the effectiveness of the legal system in regard to protecting consumer rights, both positive aspects and areas, which require improvement both need to be considered. The essay will firstly explore what is clearly working within the system in support of protecting consumer rights. The ACL will be looked at in detail with a focus on product safety as an example. The second part of the essay will focus on the current gaps that exist in the legal system in which is impacting the consumer. The essay will then conclude with a summary statement to wrap up all assertions made throughout the piece. II HOW DOES THE LEGAL SYSTEM PROTECT CONSUMER RIGHTS? A. What is a consumer right? In order to complete a fair assessment of the legal system in protecting consumer rights, the definition of consumer rights must be clarified. In s3 (1) and (2) of the ACL the meaning of consumer is set out. A consumer is a person taken to have acquired particular goods or services PersonalShow MoreRelatedThe Impact Of International Business On Business Environment Essay1633 Words   |  7 Pagesincluding as culture, labour and environmental standards, foreign exchange and political, economic and legal systems. The main reason for why there is such a significant difference between the two types of business is due to the increased risk associated with international business. The main risks, which can influence a firm’s decision to enter an international market, include the political, economic, legal and competitive risks. If these risks are successfully managed, it will lead to economic consistencyRead MoreThe Impact Of Media On The Fair Trading Act 19871529 Words   |  7 PagesA consumer defined in the Fair Trading Act 1987 (NSW) is ‘any person who acquires goods and services from a supplier’. The Ind ustrial Revolution resulted in most goods being mass produced; often with little or no contact between manufacturer and consumer. This meant that the law moved from the laissez-faire approach (leaving things to take their own course) to consumer affairs and notion of caveat emptor (Latin for Let buyer beware). Due to the never ending failure of laissez-failure approach, aRead MorePosition On The Relationship Of U. S. Technology Companies With China Case Study1171 Words   |  5 Pagesis deeply concerning to the Department of Homeland Security. The security and protection of the American people is of the highest priority to the DHS and maintaining Sino-American relations is a crucial aspect of that goal. In the status quo, the legal and ethical complications arising from offensive counterattacks give the private sector very little recourse when it comes to defending their intellectual property (Maney). It has become evident that a solution must give the U.S. private sector a meansRead MoreChallenges With Educational Programs Essay1000 Words   |  4 Pagesdetermine diagnosis, treatment plans. Patients want to feel comfortable and trusting with their information especially in the electronic world and how their information is being handled. Privacy- in health information is the core foundation of protecting patients’ medical records and appropriately handling the content. Updating practices to withstand intruders from accessing sensitive information that can harm by fraudulent input, viewing medical records without consent. 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I will explain how certain criteria and factorsRead MoreConsumer Protection From Unfair Trading Regulations1716 Words   |  7 PagesThis essay will review the Consumer Protection from Unfair Trading Regulations 2008 (as amended) (‘CPUTs’) to assess how they are responsible for the operation of the Internal Market and consider whether the CPUTs have accomplished its objective of consumer protection. This essay will first e xplain the Internal Market and the significance of regulation and then proceed to demonstrate how the CPUTs enable the Internal Market to function properly and its protection of consumers. The Internal Market ofRead MoreHacking: Identity Theft and Information Essay1538 Words   |  7 PagesHacking the AIS By Helen Tewolde ACC 564 Thomas Wood Introduction This paper will discuss accounting information system attacks and failures: who to blame. 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The Maker s Eye By Donal Murray - 952 Words

Response After reading the article, â€Å"The Maker’s Eye† by Donal Murray, I agree with the author on how writing isn’t a one step process to becoming a strong writer. Murray mentions when writers write and pause to look at others’ point of views, they go back and change their own writing. It’s true when he says that most writers are harsh on themselves. Reflecting upon myself in high school, I believe that looking at other students’ point of views would help me get new ideas because I knew my writing wasn’t the best. For instance, what my tenth grade English teacher did was a â€Å"walk through gallery† which allowed students to read other students’ responses towards the assignment and mention one good and bad part of their work. Therefore, being able to view other styles of writing caused me to change bits and pieces within my essay. In addition to reviewing and rewriting, one example that Murray portrays is the lack of motivation that most students these days have when it comes to writing more than one draft and re-editing or rewriting. In the article, Murray mentions Peter F. Drucker who stated that his first draft was â€Å"the zero draft.† I believe when students hear they have to write multiple drafts, they usually give up by the end of the first draft. Most of the time, the first draft is where students put down all the ideas they find or have, however with more drafts students aren’t really intrigued in finding more information. Particularly in elementary school, my teachers made

Responsibilities of Reserve Bank

Question: Discuss about the Responsibilities of Reserve Bank. Answer: Introduction: The Reserve Bank of Australia is the central bank of the continent which is mainly involved in the conduct of the various monetary policies, entails towards protection of a strong fiscal system and issues the nations currency as well. Since it is the policy making body it has the authority to give some chosen banking related as well as registry services to a number of Australian Government agencies and abroad central banks and official financial institutions. The RBA also has the responsibility of supervision of the gold and foreign exchange reserves. The bank derives its functions, roles and responsibilities from the Reserve Bank Act 1959. As per the said Act there are two boards namely the Reserve Bank Board and the Payments Systems Board. The former one is governed by the monetary policies which are spelt out in Section 10(2) and 11(1) of the Act. The first section details that it is the duty of the RBA board to ensure that the fiscal and the banking policies of the bank is formulated in such a manner so as to ensure that it provides greatest advantage to the citizens of Australia and that the powers of the Bank are performed in a manner which would ensure that the Australian currency is stable, it provides full employment in the nation and lastly it ensures that the people of Australia prosper economically. Section 11(1) of the said Act requires the officials of the RBA to ensure that the government is kept updated of the banks present and ongoing policy structure. However the second board i.e. the payments systems board is defined in Section 10B(3) of the Act which states that the board within the limits of its powers should make sure that the banks payment system policy is designed in a manner which provides the maximum benefit to the people of the nation and the powers of the Bank under the Payment System (Regulation) Act 1998 and the Payment Systems and Netting Act 1998 are performed in a manner which would ensure that the best efforts are being made to control any kinds of risk in the financial system, encouraging the competence of the payments system and enhancing the competition in the market for the payment services which is in line with overall steadiness of the present economic system. As discussed, the Reserve Bank of Australia, entails specialised banking services to the Australian government, agencies, other central banks as well as the overseas banks. The Reserve Bank extends facilities to the Government which helps them to take care of a group of bank accounts known as the Official Public Account (OPA) Group, the total of which connotes the Governments routine cash status. The banking facilities provided by RBA includes the provisioning of the term deposit facility which helps in the investment of extra finances, the interchanging of balances to and from agencies accounts which are maintained by the transactional bankers, and lastly accessibility to an overdraft balance. The RBA offers various transactional banking services to various Government agencies of Australia which include facilities of bank accounts, online payment services which is inclusive of the on line and card based payments, dispensation and allocating of the major chunk of electronic direct credit and debit operations which is inclusive of medical rebates, salaries and various payments to suppliers, various collection and receivables related services such as internet, on call and online card based services, payment facilities across the borders which includes direct entry, electronic funds transfer and cheque payments as well, document printing services wherein the agencies can by electronic means ask the RBA to issue cheques and such other payment instruments on their behalf and ensure reconciliation of the cheques, storehouse and corroboration services which should include such a system which would help in detection of frauds. As discussed earlier, the Payment Systems (Regulation) Act 1998 gives the Payments System Board constitutional powers to take care of some of the issues related to the accessibility of the clearing and the settlement systems. Further to this, the RTGS system was introduced very late in Australia, at around June 1998 which led to an impressive eradication of the settlement risk since over ninety percent of the payment in value terms which was being conducted between the Australian Financial Institutions which are now settled by the usage of real time system. However thus settlement process is not recommendable for the small payments. There are three main consumer clearing streams i.e. the Australian Paper Clearing System was the cheques and such other paper related payment instructions, the Bulk Electronic Clearing System for an instant debit and credit payment instructions and the Consumer Electronic Clearing System for the ATM and EFTPOS transactions. Although CECS had not started t o operate because it had yet not attained permission from the Australian Commission and Consumer Commission until 2001. Hence the ATM and the EFTPOS clearings are dependent upon the individual bilateral agreements amongst the players. Thus on a concluding note it is understood that the main responsibility of the Reserve Bank of Australia is to formulate such fiscal and monetary policies which would help to maintain the banking system in line with the financial stability. It performs the role of a banker for the government of the nation and also issues the currency note to ensure that there is financial stability and the balance of payments is maintained within the economy. Lastly, the RBA also plays a crucial role in performing the function of banking by extending its arms to the various overseas banks and regulating the various banking transactions such as that of an NEFT, RTGS or cheque clearance. However it does not provide banking services to the general public and is active in providing direct banking service to the government, commercial banks and such other clients. References: APRA., (1998), Memorandum of Understanding: The Reserve Bank of Australia and The Australian Prudential Regulation Authority, Available at https://www.apra.gov.au/AboutAPRA/Documents/MoU-RBA-Reserve-Bank-of-Australia.PDF (Accessed 13th March 2017) Centralbanksguide. Com., (2015), Reserve Bank of Australia, Available at https://www.centralbanksguide.com/reserve+bank+of+australia/ (Accessed 13th March 2017) Lowe,P., (2015), The Reserve Bank of Australias regulatory responsibilities, Available at https://www.bis.org/review/r151109a.pdf (Accessed 13th March 2017) Reserve Bank of Australia, (2017), Our Role, Available at https://www.rba.gov.au/about-rba/our-role.html (Accessed 13th march 2017) Stevens,G., (2010), Reserve Bank of Australia The Role of Finance, Available at https://www.business.uwa.edu.au/__data/assets/pdf_file/0005/1325786/10-20_Reserve_Bank_of_Australia,_the_Role_of_Finance.pdf (Accessed 13th March 2017)

Biological Diversity Of Saskatchewan Samples †MyAssignmenthelp.com

Question: Discuss about the Biological Diversity Of Saskatchewan. Answer: Introduction Geography of Saskatchewan Saskatchewan is a province in Canada that forms the border the southern parts of the United States. The southern plains of the Saskatchewan are covered in grasslands and the northern part of the region is covered by the Canadian Shield plateau(Benders 2010). The provincial capital of the Saskatchewan region is Regina (Benders 2010). Saskatchewan is the sixth most populous province of Canada consisting of about 1.13 million populations. Saskatchewan is has a boundary of Alberta in the west, northwestern territories in the north, Manitoba on the east, Nunavut to the north east, U.S on the south by the states of Montana and north Dakota. Relief of the Saskatchewan region Saskatchewan consists of two most natural regions, the interior plains in the north and the Canadian Shield in the south. There are 4 eco-zones in the Saskatchewan region, the taiga eco-zone, boreal plain eco-zone and the boreal shield eco-zone and the prairie ecozone (Benders 2010). The Saskatchewan region is covered by the boreal forest except the sand dunes of Lake Athabasca. It is the largest active sand dunes in the world. Another region of the Saskatchewan contains sand dunes known as the ' great sand hills', which covers about 300 square kilometers. The highest point in the Saskatchewan region is the cypress hills, located less than 2 km from the provincial boundary of the Alberta (Rands et al.2013). Climate The region faces a continental type of climate Summers are generally short with bitter cold winter season. Saskatchewan is one of the tornado active regions of the Canadian province (Benders 2010). Drainage system The lowest point of the Saskatchewan region is the beach of the Athabasca Lake. The region contains 14 major drainage system, most of which drains in to the Hudson Bay, Arctic oceans and the Gulf of Mexico. Some of the major rivers of Saskatchewan are the Saskatchewan River, Churchill River, Beaver River, Battle River and Fond Du Lac River (Benders 2010). Soil types Saskatchewan region consists of mainly forest soils of the northern region and praire soil of the south. Mineral soils and poorly drained peat soils are found in the northern parts of the Saskatchewan region (McLeman and Ploeger 2012). The biodiversity of Saskatchewan Flora and fauna of the eco-regions compared to the other parts The Saskatchewan region is marked by six regions of natural plant life, which runs from the North West to the south easterly direction. The northeastern part of the province contains subarctic woodland. To the south of the subarctic woodlands lie the boreal forests. To the south of the shield margin contains mixed forest belts. The aspen parkland is situated to the south of the boreal forests (Biodiversity - Environment - Government of Saskatchewan 2017) The southerly zones are the habitat of rich colorful wild flowers. Many animal species such as grizzly bear, bison, wolf, black footed ferret are found in the forests. The Saskatchewan is the home for a large number of exotic fauna like the white tailed deer, the barren ground caribou and the American badger, burrowing owl, American robin (Kricsfalusy and Trevisan 2014). The Athabasca plain provides lichen as food to the barren ground caribou. Some of the flora and the fauna of the Saskatchewan region are similar to that of the other eco regions of the Canada whereas some of the faunas are exotic and are confined to this region only (Parker 2010). The eco-regions of Canada are the home for many exotic varieties of animals, which cannot be found in the other regions of the world. The Saskatchewan biodiversity is similar to the taiga region of the North West Canadian province (Poulton 2015). The biodiversity of Saskatchewan is extraordinary unlike the other provinces of Canada. It is very difficult to find such a variety of life in any other part of the world other than the Amazon of Africa. Starting from smallest insects to towering trees the ecosystem is quite unique in comparison to the other parts of the world (Sochat et al.2010) Population and land regions of Saskatchewan As per the census 2011, the largest ethnic group in Saskatchewan is German (28.6%) followed by Scottish (18.9%), English, Canadian, Irish, Ukrainian, French, Norwegians and polish (Biodiversity - Environment - Government of Saskatchewan. 2017). The southern half of the Saskatchewan is mostly inhabited for living. Two fifth of the Saskatchewan is covered with forests. Forest industry is not large and is mostly confined to southern boreal forest. A large portion of the Canadas farmland is located in this province. Agriculture has always been the mainstay of Saskatchewan (Biodiversity - Environment - Government of Saskatchewan 2017). Since, Saskatchewan is rich in mineral resources; Saskatchewan has been one of the largest producers of the potash and is also a producer of natural gas and oil. Some facts about Saskatchewan Saskatoon is the largest city of the Saskatchewan. One of the interesting facts about Saskatchewan is that the place contains deposits of rare earth elements, which can be seen in the periodic tables. According to different reports the place contains substantial deposits of Uranium and neodymium, which are used in permanent magnets. Other elements like cerium and lanthanum are also found, which finds uses in rechargeable batteries (Benders 2010). References Benders, Q., 2010. Agate Basin Archaeology in Alberta and Saskatchewan, Canada. Biodiversity - Environment - Government of Saskatchewan. 2017. Environment.gov.sk.ca. [accessed 2017 Nov 22]. https://www.environment.gov.sk.ca/biodiversity. Kricsfalusy, V.V. and Trevisan, N., 2014. Prioritizing regionally rare plant species for conservation using herbarium data.Biodiversity and conservation,23(1), pp.39-61. McLeman, R.A. and Ploeger, S.K., 2012. Soil and its influence on rural drought migration: insights from Depression-era Southwestern Saskatchewan, Canada.Population and Environment,33(4), pp.304-332. Parker, S.S., 2010. Buried treasure: soil biodiversity and conservation.Biodiversity and conservation,19(13), pp.3743-3756. Poulton, D.W., 2015. Biodiversity and conservation offsets: a guide for Albertans.Browser Download This Paper. Rands, M.R., Adams, W.M., Bennun, L., Butchart, S.H., Clements, A., Coomes, D., Entwistle, A., Hodge, I., Kapos, V., Scharlemann, J.P. and Sutherland, W.J., 2010. Biodiversity conservation: challenges beyond 2010.Science,329(5997), pp.1298-1303. Shochat, E., Lerman, S. and Fernndez-Juricic, E., 2010. Birds in urban ecosystems: population dynamics, community structure, biodiversity, and conservation.Urban ecosystem ecology, (urbanecosysteme), pp.75-86.

Overheard at UC Berkeley

Were sure youve all experienced this before. Whether youre walking down the hall or joining a group at the dining hall, youre bound to hear something out of context, inappropriate, or hilariously weird that makes you do a double take. is gathering the best of the best from each college campus. Today, we take you insideUC Berkeley.At the dining halls: Are you more of Hufflepuff or Ravenclaw (Twitter: @jcstoy) The clear choice is always Gryffindor. At the Career Center: An employer shared, In interviews I like to ask candidates to spell their names backwards.This is a cruel, cruel game for dyslexic students. In a Cal bio class: What if all of this is ****conspiracy man (Twitter: @BeatricePopesc)What if cells arent cells?! What if DNA isnt really a double helix but they just want to make it doubly hard for us?! Out on the quad: Is it fetty wob, or fetty wap (Twitter: @Elijschwartz)Uhh Hey, whats up? Hello. In OChem review: Dude Im so about to drop out of school and sell drugs (Twitter: @BeatricePopesc)Man, thats bad Breaking bad. Some common room: Im going to send you a panic-stricken email about my project sometime this week. (Twitter: @Soundslikepuget)If youve never had a panic attack over a school project, congratulations. You have your life together more than the rest of us. Well, there you have it! Do you go to Cal? Leave us a comment and let us know what else youve overheard on campus. Well update our blog with your submissions.

How to Write Topics to Write About College Essay

How to Write Topics to Write About College EssayYou have probably been asked by a student, as part of their college essay, write about random topics that are not related to your major. Many students believe that topics they like will best serve the purpose. It is likely that your daughter, who is a literature major, will not be interested in writing about the culture of modern France. If you have a son, who wants to be a dentist, writing about tooth extraction is far more interesting than his favorite topic.On the other hand, if you are asked to write about random topics to help with your college essay, you may be dismayed at how much un-related material will appear in your writing. Although the writing assignments for each college and university may differ slightly, the instructions are almost always the same. The first thing to consider when you are asked to write about random topics is whether or not you can find the appropriate information on the Internet.The easiest way to locat e a specific topic is to begin by searching the terms that you enjoy using. Search the search engines to see if there are any sites in your field of interest. However, most students use the same search engine for everything. Start at the beginning and move on to the end of the subject. The random topics to write about college essay can include movies, music, television, computers, and all other topics.Once you start exploring the search engines, keep in mind that you do not want to rely on these keywords to make your topics. Instead, you should write them yourself. Write down a list of related words that relate to the topic you have chosen. List the most relevant words first, and then use an adverb or modifier that defines what you mean. Use this list of keywords to ensure that you can adequately express yourself when writing the essay.The next step to writing your random topics to write about college essay is to get a list of articles, essays, and other works that are about the top ic you chose. Since you have a favorite topic, you may be tempted to use it. However, you need to be able to successfully write about the topic that is not your own. The goal is to be able to write an original article, and not plagiarize someone else's ideas.As an example, if you were writing a random topic to write about college essay on technology, you would look for work related to technology. However, if the topic was YouTube, you would be looking for original content. The latter will require your ability to write about it in an original manner. While learning to write about a specific topic is not difficult, your ability to successfully do so should be tested by a student.One way to test your writing ability on a topic is to read it out loud. You might use this time to practice or just to catch your breath after writing an essay. Practice using your voice and writing skills to write about each topic that you choose. Be careful, however, to only pick topics that you are comforta ble with. If you are unsure, simply consult an instructor.The final step to writing your random topics to write about college essay is to continue writing the document. You should revise the topics until you are satisfied with the overall presentation. Finally, summarize the entire writing assignment by summarizing each topic and your reasoning for selecting it. Writing a final draft is easy once you have completed the steps to writing the topic.

Australian Welfare System Essays - Social Inequality, Social Work

Australian Welfare System Essays - Social Inequality, Social Work Australian Welfare System PART 1 -INTRODUCTION Review Process On 29 September 1999, the Minister for Family and Community Services announced the Government's intention to review the Australian welfare system. The Minister appointed this Reference Group to consult with the community and provide advice to the Government on welfare reform. The Group's terms of reference and membership are at Attachment A to this report. In March this year the Reference Group released an Interim Report that outlined a new framework for a fundamental re-orientation of Australia's social support system and sought feedback from the Australian community. After the Interim Report was released, the Reference Group received over 300 written responses as well as verbal feedback from income support recipients, business and community representatives. This Final Report presents our medium to long term recommendations. In addition, we set out some initial steps, which could be taken in the development of a new Participation Support System. The Reference Group believes the full implementation of the new system may take a decade. Nevertheless, much can be done in the short term to improve the current system to encourage and facilitate participation. The Need for Fundamental Reform Trends Australia is in the midst of a profound economic and social transformation. The consequences of this transformation require us to re-think and re-configure our approach to social support. Disappointingly, the current social support system may be failing many of those it was designed to help. Australia is in its eighth year of strong economic growth, yet joblessness, underemployment and reliance on income support remain unacceptably high. Disadvantage is also concentrated increasingly in particular segments of the population and in particular localities. These are not problems being faced by Australia alone; they are being experienced in many comparable countries. Over recent decades a variety of economic and demographic factors have combined to create the new and disturbing phenomena of jobless families and job poor communities. These unequal outcomes have generated the unacceptable prospect that significant concentrations of economic and social disadvantage might become entrenched. In its analysis, the Reference Group focused on four trends (discussed more fully at Attachment B) that underpin the need for a bold change to our social support system: A growing divide between 'job rich' and 'job poor' households. There is strong employment growth in some areas, but high rates of joblessness persist in many regions and localities. In addition, too many children live in families with no parent in paid work. Labour market trends have brought changes in the balance between permanent full-time jobs and part-time and casual work, between male and female employment, between jobs in manufacturing and primary industry and jobs in service industries. Many of the new part-time jobs have been taken in households where there is someone already in employment, which contributes to the widening gap in the distribution of jobs. More people receive income support. Over the past thirty years, there has been a steady upward trend in the proportion of the workforce-age population receiving income support and other publicly provided assistance. Of special concern is the proportion of the population that depends on income support for the majority of their income. Job opportunities for less skilled workers have stagnated or declined, while technological change and the globalisation of industry and trade has increased the demand for highly skilled workers. This has been associated with a widening distribution of earnings. Entrenched economic and social disadvantage Without appropriate action now, Australia may be consigning large numbers of people to an intergenerational cycle of significant joblessness. Australia already has one of the highest levels of joblessness among families with children in OECD countries (OECD 1998). In June 1999, about 860,000 children lived in a jobless household. The available evidence suggests that children in families experiencing long term joblessness are more likely to rely heavily on income support as they grow up (Pech & McCoull, 1999). Long term economic and social disadvantage has negative consequences for individuals, their families and the broader community. Lack of paid employment during the prime working years, and consequent reliance on income support, reduce current and lifetime incomes. Participation in paid employment is a major source of self-esteem. Without it, people can fail to develop, or become disengaged from, employment, family and community networks. This can lead to physical and psychological ill health and