Next I am going to be talking to you about the effects of animal testing today.  Well some animal testing facts are that, vivisection is the practice of subjecting living animals to cutting operations, in order to advance physiological and pathological knowledge.  Also every year millions of animals are killed, including rats, mice, guinea pigs, rabbits, and other animals.  Testing on animals can possibly blind them, poison them, kill them, deafen them, or impair all their senses.  Animal testing takes away the animals instincts and turns them into test dummies.

OK some solutions to animal testing are you could do testing on criminals instead of animals.  Obviously they have done something wrong if they are in prison, they could have killed somebody it doesn’t matter, it is better to do testing on humans who the products are being made for than animals.  Another solution is to stop animal testing completely, which is basically to just stop testing on animals.  If there was no other option then you could always just allow animal testing but only to a certain degree, which means have some restrictions on what they can do to the animals.

My solution to animal testing is to get human volunteers to do it.  This means that humans who volunteer to do the testing will do it.  This is the best choice because no animals will be harmed.  The testing is completely done by choice which is fair to everybody.

Benefits to my solution are that the animals that were tested have a chance to gain their health back.  Also the humans that are being tested have a better life expectancy than the animals.  This means that they will probably live through tests that the animals died through.  All the animals that were waiting to be tested on will be freed.  This is a good thing; they will go on to better lives.

What you can do to help this problem is be an activist that takes part in blogs and other things that help animals.  Start a petition for your city that stops animal testing for it.  If you can do these things, we may possibly be able to stop animal testing.  Today, I have summed up I have summed up The history of animal testing, The effects of animal testing today, Solutions to animal testing, My solution to animal testing, The benefits of my solution, What you can do to help, Every year, millions of animals are poisoned, blinded, and killed in tests to evaluate the toxicity of consumer products and their ingredients.  The next time you buy or receive something, try thinking about what it was tested on.

1. I.            Introduction
   1. What’s wrong with testing animals?
   2. Well, did you know that every year millions of animals are killed in brutal tests?
   3. Today, I will be explaining:
      1. The history of animal testing
      2. The effects of testing on animals
      3. Solutions to animal testing
      4. My solution to animal testing
      5. The benefits of my solution
      6. What you can do to help this problem
2. II.            Body
   1. The history of animal testing
      1. When animal testing first started
      2. Who the first known animal tester was
   2. The effects today
      1. Animal testing facts
      2. What it does to the animals
   3. Solutions to animal testing
      1. Testing on criminals
      2. Stop animal testing
      3. Allow animal testing
   4. My solution to animal testing
      1. To get human volunteers to do it
      2. Why this is the best choice
   5. The benefits of my solution
      1. Improve the well-being of tested animals
      2. Frees all animals waiting to be tested
      3. Humans have a better life expectancy
   6. What you can do to help
      1. Be an activist that takes part on blogs and other things that help animals
      2. Start a petition to stop animal testing
3. III.            Conclusion
   1. Today, I have summed up
      1. The history of animal testing
      2. The effects of animal testing today
      3. Solutions to animal testing
      4. My solution to animal testing
      5. The benefits of my solution
      6. What you can do to help
   2. Every year, millions of animals are poisoned, blinded, and killed in tests to evaluate the toxicity of consumer products and their ingredients.  The next time you buy or receive something, try thinking about what it was tested on.
4. IV.            Bibliography
   1. www.gan.ca/ December 9, 2009
   2. www.aboutanimaltesting.co.uk/ December 9, 2009
   3. http://www.studyworld.com/ December 9, 2009



Allen James

Article Analysis

The Obama administration’s pay czar will outline Friday another round of curbs on executive compensation for companies that took exceptional assistance from the government, but Bank of America won’t be one of them.   BofA had been one of the seven companies under the purview of Kenneth Feinberg, the Treasury Department’s special master for executive compensation, who is charged with determining appropriate pay packages for the top 100 employees at the most heavily bailed out companies.  But the nation’s largest lender announced Wednesday that it had sent a check to the government to repay the $45 billion in aid it had received from the Troubled Asset Relief Program (TARP).  A Treasury Department official confirmed Thursday that BofA is no longer subject to the special master’s authority.   That leaves Feinberg with six other companies to oversee, including: AIG (AIG, Fortune 500), Citigroup (C, Fortune 500), General Motors, Chrysler, Chrysler Financial and GMAC. n October, the pay czar cut total compensation for the top 25 executives at the seven firms by about half, scaling back salaries by 90% and transferring bonus payments into performance-based, longer-term stock options.  On Friday, Feinberg will present his determinations for the pay structures of the next 75.  Since most executives take home a majority of their annual pay in the form of end-of-year bonus checks, adjusting pay packages so late in the year will likely have a sizeable impact on employees’ 2009 pay. And as executives get their pay trimmed, the affected companies are raising concerns that top talent will walk out the door.  Some of the firms have said they are already on the brink and can’t afford to lose their key employees. That’s something Feinberg says he is acutely aware of.

I think that this is good.  Bank of America is extremely lucky.  They don’t have to worry about cutting any employees.  They dodged a huge bullet by not having their pay cut.  Maybe they will learn from this almost happening and make smarter choices.  I think other businesses will learn from this.  Feinberg is a smart guy, and is always looking for a cut to be made.

Corporation

            My choice is a corporation.  I choose a corporation because it is pretty easy to start.  There is a little more paperwork but it doesn’t matter.  All I need to do is get a little investment.  I could get some friends to invest and insure them that it is a right choice.

            Some advantages is that a corporation is defined as a legal entity or structure created under the authority of a state’s laws, consisting of a person or group of persons who become shareholders.  One of the key reasons for forming a corporation is the limited liability protection provided to its owners.  Because a corporation is considered a separate legal entity, the shareholders have limited liability for the corporation’s debts. The personal assets of shareholders are not at risk for satisfying corporate debts or liabilities.

                Some disadvantages are it costs money to incorporate. There are four types of fees: a fee to file the Articles of Incorporation with the Secretary of State, a first-year franchise tax prepayment, fees for various governmental filings, and attorneys’ fees. But every year, tens of thousands of businesses choose to incorporate online without the use of an attorney.

Article Analysis

Jobless claims hold at 10-month low

The number of first-time filers for unemployment insurance was unchanged last week, holding at the lowest level since January, said a government report released Thursday.  There were 505,000 initial jobless claims filed in the week ended Nov. 14, the same as the revised figure the previous week, the Labor Department said in a weekly report.   A consensus estimate of economists surveyed by Briefing.com expected 504,000 new claims.  The 4-week moving average of initial claims was 514,000, down 6,500 from the previous week’s revised average of 520,500.  “After two hefty declines, claims were due a pause this week,” said Ian Shepherdson, economist at High Frequency Economics, in a research note.  “Even when the underlying trend is clear, claims tend not to run in the same direction week after week,” Shepherdson added.  Claims are “heading in the right direction,” Shepherdson said, and he believes employment will level off in the first half of next year – possibly as soon as the end of the first quarter.

I think this is good and bad.  It is supposed to get worse before it gets better.  500,000 more people will be filing for claims and that is fine.  It is not rising or lowing so that means that it is getting better.  Unemployment is supposed to be leveling off maybe in the first half of the next year.

Allen James

Article Analysis

Do banks have something to hide?

The banks have taken some lumps since the economy went bad. But some believe their biggest headaches are yet to come.  The pace at which U.S. commercial banks are adding to their loan loss reserves has slowed this year, while loans continue to go bad at a brisk pace.  Despite the optimism of lenders like Wells Fargo (WFC, Fortune 500), some observers warn that banks aren’t socking away enough for a rainier day.  The disconnect is particularly acute in commercial real estate, where lenders are facing a surge of defaults on commercial mortgages and construction loans made when prices were much higher and demand for space much stronger.  Banks have been recognizing commercial real estate losses slowly, even though the high season for defaults isn’t expected to arrive until next year.  That’s not the only problem. Ill-defined or inconsistently applied rules for valuing securities and handling loan modifications can make it hard to say how healthy banks really are, from Citigroup (C, Fortune 500) and Bank of America (BAC, Fortune 500) on down.

I think if they are hiding something they should come on out with it.  They don’t have the right to be hiding things from the people who bank with them.  Some banks aren’t putting enough away but that is their choice, if they believe nothing will go wrong then they will try and keep it perfect.  If they are not able to pay for loans then they should probably stop giving them out.  The real estate prices are dropping and if they are giving out more loans then they will be losing money because their loans are taking longer to be paid for.

Period 1

Russia

The country that I chose is Russia.  Russia occupies most of East Europe and North Asia.  I chose Russia because it has an interesting past, and I have been interested in it for a while now.  They used to be a communist country, but they decided to change their ways.

Russia exports mainly include Oil, Petroleum, aluminum, nuclear fuels, precious metals, nickel, Fertilizers, pesticides & insecticides also fish and shellfish.  They import meat, passenger cars, civilian aircraft, and oil field drilling equipment, computer accessories, trucks, buses, and special services vehicles.  Their currency is the Ruble.

The population of Russia is 140,041,247 people.  They have a government of a Constitutional Federation.  This means that they are basically a Democracy.  They have a market economy.  This basically means that the citizens are allowed to open up businesses when they have the money.

It wouldn’t be too hard adapting to business there, because all I would need to do is learn the Russian language that is related to what I do, or hire a translator.  They speak mostly Russian there, but they have many minority languages.  Also, they are a market economy so I would be able to open up my business trade easily.  Business in the U.S. would be different because I wouldn’t have to spend money on hiring a translator, training new employees in a different language, and having to spend money moving overseas.

My country that I have chose to relate business to is Russia.  I chose this country because they have changed ways, and I believe I could open up a business there easily.  I could help people that need jobs over there to get a job, and it would do me good to get to a new country and learn some new cultures.

Italy

The country of Italy is the country of my interest.  This country interests me because I like there culture, people, and way of living.  Italy is like the US in a couple ways, one being they have a president. 

In Italy they speak Italian, German, French, and Slovene- speaking minorities.  Italy Exports 474.8 billion f.o.b.: engineering products, textiles and clothing, production machinery, motor vehicles, transport equipment, chemicals; food, beverages, and tobacco; minerals, and nonferrous metals.  They import 483.6 billion f.o.b.: engineering products, chemicals, transport equipment, energy products, minerals and nonferrous metals, textiles and clothing, food, beverages, and tobacco.  There major trading partners and Germany, France, U.S., Spain, UK, Switzerland, Netherlands, Belgium, and China.       

When I leave for Rome I will board a plane on the 12^th at 7:30AM and arrive at 8:25AM it is a one day trip with two stops.  I will be staying at Hotel Splendide Royal.  I will be coming back on the 19^th boarding at 10:15AM and arrive at Denver at 9:43AM stopping three times and it will be a 1 day+ trip.     

Italy has 58,126,212 people so I am going to have to adjust to a lot of people and traffic.  It will take me longer to get from point a to point b.

Period 1

Russia

The country that I chose is Russia.  Russia occupies most of East Europe and North Asia.  I chose Russia because it has an interesting past, and I have been interested in it for a while now.  They used to be a communist country, but they decided to change their ways.

Russia exports mainly include Oil, Petroleum, aluminum, nuclear fuels, precious metals, nickel, Fertilizers, pesticides & insecticides also fish and shellfish.  They import meat, passenger cars, civilian aircraft, and oil field drilling equipment, computer accessories, trucks, buses, and special services vehicles.  Their currency is the Ruble.

The population of Russia is 140,041,247 people.  They have a government of a Constitutional Federation.  This means that they are basically a Democracy.  They have an economic system

It wouldn’t be too hard adapting to business there, because all I would need to do is learn the Russian language that is related to what I do, or hire a translator.  They speak mostly Russian there, but they have many minority languages.  Business in the U.S. would be different because