Showing posts with label Government. Show all posts
Showing posts with label Government. Show all posts

Sunday, April 14, 2013

A Companion to Ancient Greek Government

A Companion to Ancient Greek Government //Loading...RULES & FAQDownload GamesHome|eKönyv és eTanulás|Zene|Videó|Szoftver|Magazinok|Újságok|Humor|Játékok|Grafika|Bakelit és HR|Misc|AH Hírek AvaxHome recommends - Zevera - revolutionary multihoster! Home>eBooks & eLearning>History / MilitarySend complaint to moderator about current publicationABUSE FORMShort Reason:

A Companion to Ancient Greek GovernmentPosted By :arundhati|Date :13 Apr 2013 08:37:21|Comments :0||


Hans Beck, "A Companion to Ancient Greek Government"
2013 | ISBN-10: 1405198583 | 612 pages | PDF | 4,9 MB
This comprehensive volume details the variety of constitutions and types of governing bodies in the ancient Greek world.
A collection of original scholarship on ancient Greek governing structures and institutions
Explores the multiple manifestations of state action throughout the Greek world
Discusses the evolution of government from the Archaic Age to the Hellenistic period, ancient typologies of government, its various branches, principles and procedures and realms of governance
Creates a unique synthesis on the spatial and memorial connotations of government by combining the latest institutional research with more recent trends in cultural scholarship

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Saturday, April 13, 2013

A Companion to Ancient Greek Government

A Companion to Ancient Greek Government //Loading...RULES & FAQDownload GamesHome|eBooks & apprentissage via internet|Musique|Vidéo|Logiciels|Magazines|Journaux|Bandes dessinées|Jeux|Graphiques|Vinyl & HR|Divers|Nouveautés AH AvaxHome recommends - Zevera - revolutionary multihoster! Home>eBooks & eLearning>History / MilitarySend complaint to moderator about current publicationABUSE FORMShort Reason:

A Companion to Ancient Greek GovernmentPosted By :arundhati|Date :13 Apr 2013 08:37:21|Comments :0||


Hans Beck, "A Companion to Ancient Greek Government"
2013 | ISBN-10: 1405198583 | 612 pages | PDF | 4,9 MB
This comprehensive volume details the variety of constitutions and types of governing bodies in the ancient Greek world.
A collection of original scholarship on ancient Greek governing structures and institutions
Explores the multiple manifestations of state action throughout the Greek world
Discusses the evolution of government from the Archaic Age to the Hellenistic period, ancient typologies of government, its various branches, principles and procedures and realms of governance
Creates a unique synthesis on the spatial and memorial connotations of government by combining the latest institutional research with more recent trends in cultural scholarship

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No comments for the newsPost CommentText: *

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Sunday, April 8, 2012

Mali junta sees civilian government "in days"

BAMAKO (Reuters) - Mali's coup leader said on Saturday the junta would hand power to civilians within days in a deal under which neighboring nations agreed to lift sanctions and help tackle Tuareg rebels who have seized much of the north.

The March 22 coup by soldiers angry at ousted President Amadou Toumani Toure's handling of a two-month-old rebellion backfired, emboldening the Tuareg nomads to seize the northern half of Mali and declare an independent state there.

After three days of negotiations and growing international pressure to step down, Mali's junta announced late on Friday it would begin a power handover in return for an amnesty from prosecution and the lifting of trade and other sanctions.

"It is the will of the committee to quickly move towards the transition," coup leader Captain Amadou Sanogo said at the barracks outside the capital Bamako which has been the headquarters of his two-week-old rule.

"In the next few days you will see a prime minister and a government in place," Sanogo, sitting in an armchair in the middle of his cramped office, said in an interview with Reuters, France's i-tele and the Spanish-language channel Telesur.

A five-page accord agreed by Sanogo and the 15-state West African bloc ECOWAS for a return to constitutional order did not specify when the handover would start.

The agreement calls for Toure, who is still in hiding, to formally resign. Sanogo's junta must then make way for a unity government with Mali's parliament speaker Diouncounda Traore as interim president.

Elections would follow as soon as allowed by the widespread lack of security in the north, now mostly overrun by Tuaregs accompanied by groups of Islamists with links to al Qaeda.

In an interview with Burkina Faso state radio before he flew back to Mali on Saturday, Traore said the top priority was to restore order to Mali's state institutions after the coup and to deal with "this problem of the north".

"Our goal is the territorial integrity of Mali and the pursuit of our democratic project," Traore said of a state which had been viewed as one of the region's more stable democracies. He made no comment to reporters as he arrived in Bamako later.

RELIEF ON STREETS OF BAMAKO

Sanogo, dressed in battle fatigues and showing signs of tiredness, called on ECOWAS countries to help the Malian army with transport and logistics rather than send ground troops as they are discussing.

"The Malian army still needs help precisely on logistics and air support but not ground troops to help us solve the security problem in northern Mali," he said.

"We have to sit and talk. If they want to help us it should be according to our needs," added Sanogo, surrounded by aides and sitting beneath a large portrait of himself on the wall.

The African Union, ECOWAS and foreign capitals from Paris to Washington all dismissed Friday's declaration by the Tuareg-led MNLA rebels of the independent state of "Azawad", a desert region bigger than France in Mali's north.

Neighbors fear secession would encourage such movements in their own countries, while the presence of Islamists among the rebels has raised fears of the emergence of a rogue state with echoes of Taliban-era Afghanistan which sheltered al Qaeda.

Residents in northern cities such as the ancient trading post of Timbuktu, Kidal and Gao have said the local Islamist Ansar Dine group has banned Western dress and music. There have been sightings of senior members of the Al Qaeda in the Islamic Maghreb (AQIM), the group's North African branch.

ECOWAS nations such as Nigeria and Ivory Coast have asked military planners to prepare for an intervention force of up to 3,000 troops with a mandate to secure Mali's return to constitutional order and halt any further rebel advances.

The French Foreign Ministry on Saturday welcomed the accord to hand power back to civilians in Bamako and repeated its offer to provide transport and other logistics for the force.

The ex-colonial power said there can be no purely military solution to the rebellion and says some of the year-old grievances of the fairer-skinned Tuaregs against the darker-skinned elite that has dominated Bamako politics are justified.

It is not yet clear whether Tuaregs could come away with an autonomy deal falling short of full independence or whether Mali's neighbors and future leaders will first insist on fully restoring the status quo before the rebel gains.

ECOWAS announced on Saturday the formal lifting of sanctions which were imposed last week and had prompted panic buying at gas stations and queues at banks. There was relief on the streets of Bamako, where Malians hoped stability could return.

"We are optimistic it is going to be handled well because the leaders of all of the political parties will be involved," Bamako local Fomba Yefing said at a small rally of women and children wielding banners with slogans such as "All we want is peace".

"It is not about who is in charge, it is about doing things by the constitution," she added.

(Additional reporting by Lionel Laurent in Paris; Mathieu Bonkoungou in Ouagadougou; Writing by Mark John; Editing by Andrew Roche)


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Wednesday, November 23, 2011

Government closes mortgage scams tied to Google (AP)

By MICHAEL LIEDTKE, AP Technology Writer Michael Liedtke, Ap Technology Writer – Wed Nov 16, 9:26 pm ET

SAN FRANCISCO – The federal government has shut down dozens of Internet scam artists who had been paying Google to run ads making bogus promises to help desperate homeowners scrambling to avoid foreclosures.

The crackdown announced Wednesday renews questions about the role that Google's massive advertising network plays in enabling online misconduct. It may also increase the pressure on the company to be more vigilant about screening the marketing pitches that appear alongside its Internet search results and other Web content.

The criminal investigation into alleged mortgage swindlers comes three months after Google agreed to pay $500 million to avoid prosecution in Rhode Island for profiting from online ads from Canadian pharmacies that illegally sold drugs in the U.S.

A spokesman for the U.S. Treasury Department division overseeing the probe into online mortgage scams declined to comment on its scope other to say it's still ongoing.

Google Inc. also declined to comment Wednesday.

No company wants to be tainted by a criminal investigation, but the prospect is even more nettlesome for Google because it has embraced "don't be evil" as its corporate motto.

That commitment may make it difficult for Google to fend off a call by Consumer Watchdog to donate the revenue from fraudulent mortgage ads to legitimate organizations that help people ease their credit problems. Consumer Watchdog is an activist group that released a report in February asserting that Google was profiting from ads bought by mortgage swindlers.

"Google should never have published these ads, but its executives turned a blind eye to these fraudsters for far too long because of the substantial revenue such advertising generates," said Consumer Watchdog's John M. Simpson, a frequent critic of the company.

To fight future abuse, Google has suspended its business ties with more than 500 advertiser and agencies connected to the alleged scams, according to the U.S. Treasury Department's Office of the Special Inspector General for the Troubled Asset Relief Program.

The evidence collected in the current investigation led to the government's closure of 85 alleged mortgage scams. The identities of the businesses and people involved in the scams weren't disclosed Wednesday.

The con artists are accused of duping people into believing they could help lower their home loan payments under a government-backed mortgage modification program created to reduce the foreclosures that have made it more difficult for the slumping real estate market to recover. The alleged rip-offs typically relied on collecting upfront fees or getting victims to transfer their monthly mortgage payments to the scam artists, according to the Office of the Special Inspector General for the Troubled Asset Relief Program.

In some cases, the swindlers passed themselves off as being affiliated with the government.

Google's name popped up because the scam artists relied on the company's vast advertising network to bait their victims. About two out of every three Internet search requests are made through Google, making its ad network a prime outlet for finding people hoping to save their homes, according to Christy Romero, deputy special Inspector General for the Troubled Asset Relief Program.

"The first place many homeowners turn for help in lowering their mortgage is the Internet through online search engines, and that's precisely where they are being taken advantage of and targeted," she said.

In its February report on the problem, Consumer Watchdog found that Google processed more than 74,000 monthly searches using the term, "stop foreclosure." An ad running alongside the results for that query cost an average of $8.29 per click at the time of the Consumer Watchdog study. The report couldn't determine how much money Google was making from the ads offering bogus mortgage modifications.

Even after surrendering $500 million to settle the investigation into ads for illegal online pharmacies, Google is still expected to sell more than $35 billion in advertising this year.


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Saturday, September 17, 2011

Government: 401k fee disclosures may be electronic (AP)

By DAVID PITT, AP Personal Finance Writer David Pitt, Ap Personal Finance Writer – Tue Sep 13, 6:22 pm ET

Workers with 401(k) retirement accounts are due to receive improved disclosures about the fees they're paying. The Department of Labor has mandated such disclosure beginning next year and on Tuesday said the information may be delivered electronically by email or through a secure website.

Electronic delivery has been a big issue for many of the companies that provide 401(k) plans, especially the large providers including Charles Schwab, T. Rowe Price, and Fidelity. That's because the cost of sending paper documents to some 72 million workers enrolled in workplace retirement accounts prompted active lobbying on the part of the industry.

Mailing out newly required annual booklets and quarterly fee statements on paper would have been expensive, a cost that would likely have been passed on to workers through higher fees, said Marcia Wagner, a Boston-based attorney specializing in retirement issues.

"You've got to give the DOL credit that they are permitting electronic delivery. That's good," she said

She questioned, however, the additional step of requiring employees to opt in, saying it adds an unnecessary level of complexity and expense.

The rules allowing electronic disclosure will stand until Labor Department officials have time to review the issue more thoroughly. They could be changed later after further review.

The new rules apply to additional fee details that the department is requiring beginning next year.

By the end of May workers will get a booklet that will detail the funds they have in their 401(k) accounts, the investment returns, expense ratios and other details. These booklets must include charts that compare the performance of the workers' chosen funds with benchmarks. The information must be sent out once a year.

In addition to these annual booklets, quarterly disclosure statements will accompany regular account balance statements. These new disclosures will explain all the fees paid in detail including administrative and record keeping costs of the retirement plan and the fees charged by various funds in the account. These new fee disclosures must be distributed no later than mid-August next year.

Workers will be able to choose paper notification.

Companies offering 401(k) plans are also due to receive greater details about the fees they're being charged by plan providers.

The fees that employers pay are charged in many different ways. They can be charged directly to the plan as a whole, charged to each participant in the plan or assessed as a percentage of the total assets held in the account.

Although workers pay most of these fees, many don't know it.

A survey by AARP last December revealed that 71 percent of 401(k) accountholders did not believe they paid any fees. About 23 percent knew they paid fees and the remaining 6 percent didn't know whether they did or not.


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Tuesday, August 23, 2011

AIG repays government another $2.15 billion (Reuters)

NEW YORK (Reuters) – Bailed-out insurer American International Group said on Thursday it closed the sale of its Taiwanese life insurance business and used the proceeds to repay the government another $2.15 billion.

The money went toward paying down the government's preferred interest in the entity that controls AIG's one-third stake in Asian insurer AIA Group, which AIG spun off in an initial public offering last year.

AIG's bailout at one point totaled $182.3 billion. The government's investment now stands at $51 billion -- the 77 percent of AIG's common stock held by the U.S. Treasury, and the remaining $9.3 billion in preferred interests in the AIA entity.

AIG said it closed the sale of Nan Shan to Ruen Chen Investment Holding for $2.16 billion cash. The Nan Shan sale was prolonged by the Taiwanese government's rejection of AIG's first-choice buyer.

With Nan Shan closed, AIG's last major disposal will be International Lease Finance Corp, or ILFC, which buys airplanes and leases them to airlines. The company is looking at an IPO for ILFC later this year.

The proceeds of the ILFC sale may be used to pay off the remaining Treasury interest in the AIA vehicle, which would let AIG keep that one-third interest in the company instead of selling it. The AIA stake was responsible for most of AIG's net profit in the second quarter.

AIG shares closed down 8.7 percent at $22.70, more than 20 percent below the government's break-even point on the stock.

(Reporting by Ben Berkowitz, editing by Matthew Lewis)


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Friday, August 19, 2011

Report: Government probe of Standard and Poor's (AP)

WASHINGTON – The Justice Department is investigating whether the Standard & Poor's credit ratings agency improperly rated dozens of mortgage securities in the years leading up to the financial crisis, The New York Times reported Wednesday.

The investigation began before Standard & Poor's cut the United States' AAA credit rating this month, but it's likely to add to the political firestorm created by the downgrade, the newspaper said. Some government officials have since questioned the agency's secretive process, its credibility and the competence of its analysts, claiming to have found an error in its debt calculations.

The Times cites two people interviewed by the government and another briefed on such interviews as its sources. According to people with knowledge of the interviews, the Justice Department has been asking about instances in which the company's analysts wanted to award lower ratings on mortgage bonds but may have been overruled by other S&P business managers.

If the government finds enough evidence to support a case, it could undercut S&P's longstanding claim that its analysts act independently from business concerns. The newspaper said it was unclear whether the Justice Department investigation involves the other two major ratings agencies, Moody's and Fitch, or only S&P.

S&P and other ratings agencies reaped record profits as they bestowed their highest ratings on bundles of troubled mortgage loans, which made the mortgages appear less risky and thus more valuable. They failed to anticipate the deterioration that would come in the housing market and devastate the financial system.

Companies and some countries — but not the United States — pay the credit ratings agencies to receive a rating, the financial market's version of a seal of approval. Before the financial crisis, banks shopped around to make sure rating agencies would award favorable ratings before agreeing to work with them. These banks paid as much as $100,000 for ratings on mortgage bond deals, according to the Financial Crisis Inquiry Commission, the Times said.

Critics say this business model is riddled with conflicts of interest since ratings agencies might make their grades more positive to please their customers.

The Times said the Securities and Exchange Commission also has been investigating possible wrongdoing at S&P, citing a person interviewed on that matter.

Ed Sweeney, a spokesman for S&P, said in an email to the Times: "S&P has received several requests from different government agencies over the last few years. We continue to cooperate with these requests. We do not prevent such agencies from speaking with current or former employees."

Representatives of the Justice Department and the SEC declined to comment on whether they are investigating the ratings agencies, the newspaper said.


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Sunday, May 29, 2011

This Government Meddling Could Save Your Retirement (The Motley Fool)

Nothing gets certain Fools exercised like the phrase "new government restrictions." So often, we hear that the busybodies in Washington or our state capitals are plotting some new set of limits and we get worried: Here comes more paperwork, more taxes, more annoyance, and less freedom to be left alone and live our lives in peace. And often, these worries are justified.

But I recently heard about a new set of freedom-limiting proposals that's making its way through Congress, and I cheered. Why? Because these new rules are targeting a privilege that has turned out to be a problem for many: 401(k) loans.

Not a ban, just an adjustment
First, let's get this out of the way: The bill introduced last week by Sen. Herb Kohl (D-WI) and Sen. Mike Enzi (R-WY) isn't going to do away with 401(k) loans. While these loans can be problematic and expensive (more on that in a minute), for many they're an important rainy-day resource. I think everybody recognizes that.

What the bill does do is limit some of the more egregious features, while making life a little easier for those who do take loans:

Limit 3 per customer. The number of people with three or more 401(k) loans outstanding is pretty small -- Fidelity says that only 0.8% of its 401(k) participants fall into this category -- but common sense suggests that those with lots of loans probably haven't been using their 401(k) as a last-ditch emergency fund. Those folks may need to tighten their belts: Under the bill, three loans at a time would be the maximum.No more 401(k) debit cards. Yep, the worst financial idea ever may soon be gone. In keeping with the idea that a 401(k) loan should be an emergency fund and not a piggy bank, tools like this that encourage frequent and easy access will no longer be allowed.More time to repay if you're laid off. Under current law, if you're laid off while you have a loan outstanding, you have a mere 60 days to repay it before it's considered an early withdrawal, complete with tax penalties. Under the new rules, you'd have until the tax filing deadline for that tax year to repay the loan by contributing to an IRA, reducing your tax liability. This change is long overdue, I say.Eliminate contribution restrictions after hardship. Under current rules, folks who take a hardship withdrawal can't contribute to their 401(k) again for six months. That prohibition would go away under the proposed new rules. Again, a good thing.

The idea, in other words, is to preserve the ability to tap one's 401(k) in a pinch while cleaning up some of the potential for abuse and making life a bit easier for borrowers. And while there's no question that the right to borrow from your 401(k) is a good one to have, I also don't think it's in question that some folks have gotten carried away with the loan privilege.

After all, a 401(k) loan can be awfully expensive.

An expensive tool of last resort
Most 401(k) plans allow participants to take loans, and in a crisis such a loan is often the least bad option. Fidelity Investments, one of the largest 401(k) providers, says that 22.1% of active participants in the plans they administer had at least one loan outstanding last quarter. These aren't trivial loans, either -- the average loan amount was almost $9,000, and many participants have multiple loans.

That's a lot of money to be taking out of the market. Think of it this way: For every $1,000 you had out of the market over the last two years, you would have missed more than $500 worth of growth in the S&P 500. And it gets worse if you have investments in your plan that outperformed the broader market.

In other words, the cost of a 401(k) loan can be very high, and it's mostly not about the interest you may be paying. In the long run, the lost returns from diverting money away from 401(k) investments are huge.

The upshot
I think these rule changes are long overdue. For most of us, this bill will be no big deal: Our right to take a 401(k) loan in an emergency isn't going anywhere. For most of those with outstanding loans, your life could get a bit easier if you're laid off.

But for those using their 401(k) as a sort of easy credit line, it might soon be time for them to tighten up their financial acts.

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Tuesday, April 12, 2011

Will a Government Shutdown Actually Save Money? (The Motley Fool)

With a government shutdown looking likely this weekend, one question many sane people are asking is, "Why are we doing this?"

CNN ran an article with what might be a typical response. Said one shutdown supporter: "I'm not the slightest bit worried about a government shutdown. I think we find out that there are many things government does that we really don't need to keep this country going. And a government shutdown would actually save us some money."

Seems logical, but actually, no, a shutdown would not "save us some money." It would cost extra money. Quite a bit of it, in fact.

When the government shuts down -- it's happened 16 times since 1977, most recently in 1995 and 1996 -- most nonessential services cease. Services that are vital to "military, law enforcement, or direct provision of health care activities" keep fundamental employees working and maintain operations. But roughly 800,000 employees from nonessential services -- everything from parts of the IRS, national parks, Treasury, to the Department of Education -- could be furloughed. The government gets serious about this stuff. It's a criminal offense for a furloughed federal employee to work during a shutdown. (In case you're wondering, Congress pays themselves as usual during a shutdown. They deem themselves very essential.)

But just because workers are furloughed doesn't mean they'll go without pay. Once the government starts up again, most furloughed works will receive back pay for their time off. Bloomberg crunched the numbers and came up with a specific tab: $174 million per day the government is shut down. And this really is a cost, not just a reimbursement. Work that needs to get done (processing tax returns, issuing passports) piles up while employees are furloughed, creating a need for massive overtime once the government starts back up.

Then there's the cost of lost receipts. Visitors spend roughly $32 million per day at national parks. Fees and tax revenue generated from this spending is lost in a shutdown. Then there's lost revenue from airline taxes, levied fines, and a host of other fee-based income that goes dark in a shutdown. According to the Government Accountability Office, a three-day shutdown in 1991 cost $363 million in lost tax revenue and fee income. Adjusted for inflation, that works out to about $200 million per day.

Add it up, and the costs aren't trivial. A six-day shutdown in 1995 ended up costing $800 million. It's easy to see how a shutdown could cost well over $1 billion today, even if it lasted for only a few days.

Some might say this is still worth it, as a negotiated budget proposal might shave tens of billions off spending plans. But this misses the point. Regardless of what Congress' spending plans are, they should have been agreed upon before the country faced a shutdown. These people take monthlong recesses. It's inexcusable to draw such a massively important issue not only down to the last minute, but beyond it.

Most understand this. Speaker of the House John Boehner warned last week: "If you shut the government down, it'll end up costing more than you'll save because you interrupt contracts -- there are a lot of problems with the idea of shutting the government down -- it is not the goal." Senate Majority Leader Harry Reid said yesterday, "We care very much about the people that this shutdown would hurt. We won't stop working to avoid a shutdown."

Yet here we are.

What do you think about a government shutdown? Sound off in the comment section below.

Fool contributor free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.


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