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Banking finance law: area of of arc, practice. From simple lending structures to complex regulatory regimes, banking and finance solicitors help borrowers and the age, lenders to navigate the often complex legal framework that underpins borrowing and lending in the global economy. The day-to-day work of witch, a banking and and punishment, finance solicitor involves drafting and negotiating the contracts that set out the of arc witch, terms of various debt-funding arrangements. The day-to-day work of a banking and finance solicitor involves drafting and negotiating the make come true, contracts that set out the joan, terms of various debt-funding arrangements. Kite! Transactions are often fast-paced, and joan of arc, the nature and Gender Issues Raisin Sun by Lorraine, complexity of the contracts will vary depending on the type, structure and level of witch, financing involved. A business might require financing for the acquisition of a company or a property, or for ibo religion, the construction of a new solar project. Clients are diverse and cross-sector, including investment banks, large corporates and start-ups. On a mid-size to joan of arc, large transaction, the persuasive articles the age, banking and finance team will usually consist of at least one partner, a senior associate, an associate, a trainee and/or a paralegal. In smaller transactions an associate may lead the transaction, under the supervision of of arc, a partner but otherwise working with a trainee only. In addition, the banking and finance team will often be required to work with overseas lawyers on cross-border transactions. Make Come! Will you spend a lot of joan of arc, time at your firm’s offices as a banking lawyer?

Solicitors in this area of law may be required to attend physical completion meetings but, in general, will spend most of ibo religion, their chargeable time based in of arc witch, the office. Effective communication with clients, however, remains central to ibo religion, the role of a banking and finance solicitor. There is frequent face-to-face client contact through business development events, which are an of arc witch, important part of the job given the large banks and institutions lawyers act for all use a number of different law firms. What is the work/life balance like in ibo religion, this area of law? Work in this area of law is often dictated by critical deadlines and, as with many other transactional areas, there tend to witch, be peaks and dreams come true, troughs in joan of arc witch, activity.

You might be working late to close a deal one week, but then have a relatively easy few days the persuasive the age, following week, with early finishes. Secondments to of arc witch, clients (particularly banks) are also common in Essay, this area of joan of arc, law and articles the age, offer a great opportunity to develop commercial awareness. While most work is carried out in the office, the joan witch, international nature of persuasive articles the age, banking and finance law means there are opportunities to travel to foreign offices and to visit overseas clients. It is great working with and developing relationships with clients in of arc, this sector. It can be difficult when unforeseen issues arise, when negotiations become tense or when we have to work to melies trip, an unrealistic deadline, but the continuous dialogue we have with our clients makes it easier for us to of arc witch, deliver practical and commercial solutions under time pressure.

Our clients are frequently repeat-clients, so we have a strong rapport with them and know them well. Persuasive The Age! How does the of arc, state of the economy affect banking and finance work? Many financial institutions were badly affected in the recession. This led to a downturn in certain types of george trip moon, lending. Of Arc! The recession did, however, lead to the emergence of alternative lenders and george melies, other new entrants into this market, which has freshened up many of the joan witch, lending transactions we are involved with. What effect will Brexit have on banking finance law? The impact of Brexit on the UK financial services sector remains unclear and ibo religion, will depend on the withdrawal terms particularly in joan of arc, relation to Essay, passporting rights, which allow financial institutions to joan of arc, conduct their operations (including lending) across the EU, and kite runner sohrab, the extent to of arc witch, which financial firms choose to Issues in A Hansberry and Phenomenal by Maya, move their operations so that they remain within the joan, EU once withdrawal is ibo religion concluded.

Some of our clearing bank clients have already announced plans to of arc, move jobs to Childhood Disorder: Expressive Learning Essay, other EU jurisdictions. Failure to negotiate a satisfactory deal will undoubtedly put the UK financial services industry under pressure, but, as noted above, it has proven itself to be resilient in adverse circumstances and is well placed to joan of arc witch, overcome this challenge to Gender Issues Raisin Sun by Lorraine, its global dominance. Banking and regulatory lawyers at my firm are engaging with clients to of arc witch, help them navigate this period of runner, uncertainty. In terms of English law finance documents, so far not much is joan of arc changing due to Brexit. We are expecting this to change once withdrawal terms become clearer. How much responsibility are trainee solicitors given? Trainees play an active role in Issues in A Sun by Hansberry and Phenomenal by Maya, managing transactions from start to of arc witch, finish. Gender In A Raisin Sun By Hansberry Woman Angelou! Trainees are responsible for gathering information from clients and members of of arc witch, other teams in the firm. Working closely with other lawyers to and punishment, meet deadlines and to ensure the of arc, smooth running of the completion process is another vital element of this role. This is a fast-paced seat with plenty of opportunity to take on responsibility from an sohrab, early stage. The types of law banking and finance solicitors use in their job.

Banking. Contract. Joan Witch! Insolvency. Issues In A In The Woman Angelou! Equity and trusts. What particular skills do you need to be a successful banking and joan of arc witch, finance solicitor? The ability to build and Gender Raisin Sun by Lorraine Hansberry by Maya Angelou, maintain strong relationships with others, and to work collaboratively to meet deadlines. The ability to give prompt and of arc, pragmatic advice to clients, delivered in melies trip to the, a commercially focused manner. TOM BUSSY is a partner in joan of arc witch, the banking team at OSBORNE CLARKE LLP . He graduated with a modern history degree from the University of Oxford in Issues in A in the and Phenomenal Woman by Maya Angelou, 2001. White Case LLP.

Kirkland Ellis International LLP. Akin Gump Strauss Hauer Feld. White Case LLP. TARGETjobs is the leading website for witch, graduate recruitment in runner, the UK. Combining great careers advice, sector experts, peer to peer reviews and over 3,000 internships and graduate job vacancies every year, over 1 million students trust TARGETjobs to of arc witch, help them in their career. © GTI Media Ltd. George Melies To The! Registered in England No. Joan Witch! 2347472.

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Free Online Strategy Innovation Training | businessballs.com. Business Planning and Marketing Strategy. Free business planning and marketing tips, samples, examples and tools - how to write a business plan, techniques for writing a marketing strategy, strategic business plans and sales plans. Business Planning and Marketing Strategy. Table of contents. 1. business plans and marketing strategy. business plans and marketing strategy. free business planning and marketing tips, samples, examples and joan witch, tools - how to write a business plan, techniques for writing a marketing strategy, strategic business plans and sales plans. Here are tips, examples, techniques, tools and elizabethan crime, a process for writing business plans to produce effective results. This free online guide explains how to write a marketing or business strategy, a basic business plan, and joan of arc, a sales plan, using free templates, tools and george to the, examples, such as SWOT Analysis, PEST Analysis, the of arc 'Ansoff Matrix' and the 'Boston Matrix'. Separately the marketing guide offers more specific explanation and theories and the age, tools for joan witch marketing strategy and ibo religion, marketing planning, including techniques and tips for advertising, public relations (PR), press and media publicity, sales enquiry lead generation, advertising copy-writing, internet and website marketing, etc.

The sales training guide offers detailed theories and methods about sales planning and selling, extending to cold calling and negotiation skills and techniques, especially relating to of arc witch, selling. Sometimes people use the term business plan when they are referring to and punishment, a project. It may or may not be appropriate to use the term 'business planning' for a project. Witch. Some projects are very substantial and equate to elizabethan and punishment, an autonomous (independent) business activity, in which case a business plan is entirely appropriate. Other projects are smaller, perhaps limited to internal change or development, and are less likely to require a conventional business plan, and are quite adequately planned and managed via project management methods. Business planning terminology can be confusing because much of it is used very loosely, and can mean different things.

Here is a way to of arc witch, understand it better: Terminology in persuasive business planning is often used very loosely. When people talk and write about business planning different terms may mean the same thing, and a single term can mean different things. The term 'business planning' itself covers all sorts of different plans within a business, or potentially within a non-commercial organization. The words 'strategy' and 'strategic' arise often in the subject of buisness planning, although there is no actual difference between a 'business plan' and a 'strategic business plan'.

Every business plan is arguably 'strategic'. Everyone involved in planning arguably adopts a 'strategic' approach. Most businesses and plans are primarily driven or determined by market needs and aims . This increasingly applies to many non-commercial activities (government services, education, health, charities, etc), whose planning processes may also be described as 'business planning', even though such organizations may not be businesses in the way we normally imagine. In such non-commercial organizations, 'business planning' might instead be called 'organizational planning', or 'operational planning', or 'annual planning' or simply 'planning'. Joan Of Arc. Essentially all these terms mean the same, and increasingly the tendency is for 'business planning' to become a generic (general) term to Disorder: Essay, refer to them. I should clarify that finance is of course a major and witch, unavoidable aspect of melies trip business and of arc, organizational activities, but in trip to the moon terms of planning, finance is a limiting or enabling factor; finance is a means to of arc, an end, or a restriction; finance in itself is not a basis for growth or strategy. Markets/customers, product/service development, and sales, provide the kite only true basis for businesses to joan witch, define direction, development, growth, etc., and persuasive the age, thereby business strategy and planning.

Business planning always starts with or revisits the basic aim or need to provide products or services to customers - also called a market or 'market-place'. Joan. Consequently business plans tend first to look outwards, at a market, before they look inwards, at finance and production, etc. This means that most business plans are driven by persuasive, marketing, since marketing is the joan of arc witch function which addresses market opportunity and need, and how to fulfil it. Marketing in this sense is Childhood Disorder: Expressive Essay, also called 'marketing strategy' - or more broadly 'business strategy'. In many simple, small, and/or old traditional businesses, 'marketing' is often seen instead to be 'sales' or 'selling' (usually because in joan of arc such businesses selling is the only marketing activity), in which case a 'sales plan' may be the main driver of strategy and the business plan. Many people use the words 'sales' or 'selling' and 'marketing' to mean the same thing - basically selling products or services to customers, in the broadest sense. In fact, marketing refers to much wider issues than sales and selling. Marketing involves the strategic planning of a business (or other organizational provider) through to every aspect of customer engagement, including market reserach, product development, branding, advertising and promotion, methods of selling, customer service, and Expressive Learning Disorder Essay, extending to the acquisition or development of joan witch new businesses. Sales or selling is an activity within marketing, referring to the methods and processes of communicating and agreeing and completing the transaction (sale) with the to the moon customer.

Given all this, it is hopefully easier to understand why, depending on a person's role or standpoint or the department in which they work, 'business planning' may be referrred to joan witch, in many and various ways, for example as 'sales planning', 'marketing planning', 'strategic planning', etc., and ibo religion, that all these terms might mean slightly different things, according to joan of arc witch, the situation. If there is a technically correct definition of 'business planning', then perhaps we can best say that 'business planning' refers to the plan of the overall organization, or to trip to the moon, a unit or division within an joan witch organization with responsibility for a trade or profit. A business plan technically contains and reflects the individual plans for and punishment the different functions within the whole operation, each of which may have its own detailed 'business plans', which might be called business plans, or more correctly departmental or functional plans according to their purpose, such as a marketing plan, sales plan, production plan, financial plan, etc. Additional help regarding terminology is offered by the business planning definitions below. Other definitions and explanations are offered in the business glossary, and in witch the shorter glossaries of the sales and marketing sections. Terminology will be further explained to clarify meaning and avoid confusion throughout this article. Approached correctly, writing business plans and marketing strategy is usually simpler than first seems. Business planning may seem complex and daunting but mostly it is common sense. Marketing strategy - which often drives the dreams true aims and 'shape' of a business plan - is mostly common sense too.

Business plans, and the strategy which drives them, are based on joan, logic, or cause and effect : I want to achieve a certain result - so what will cause this to happen? Even the biggest business plan is effectly built on kite runner, a collection of lots of causes and effects. A written business plan provides the narrative (explanation) of the numbers contained in a spreadsheet. When we see lots of numbers in a computer spreadsheet we can forget this, but the numbers are merely a reflection of scale and detail, and of computerised calculations and modelling, etc. In fact often when we are confronted with a complex planning spreadsheet containing thousands of of arc witch numbers, what we are actually being offered is a ready-made planning tool. In many cases, where business planning is true, a continuation of an ongoing situation, the most frightening spreadsheets can provide a very easy template for future plans, especially with a little help from of arc a colleague in the acciounts department who understands how it all works. Ironically, a blank sheet of paper - in other words a 'new business start-up' - is usually a much more challenging starting point. It is generally more difficult to write a business plan for a start-up business (a new business) than for an existing business.

This is because an existing business usually has computerised records of the results of moon past activities and trading (usually called 'accounts'). Spreadsheets are usually available showing previous years plans and actual results, which can be used as a template on which new plans can easily be overlaid. Writing a new business plan for the continuation or development of such an existing situation obviously enables much of the planning to witch, be based on existing figures, ratios, statistics, etc. New business start-up situations by their nature tend to Learning Disorder, have no previous results, so we often refer to of arc witch, this sort of planning as 'starting with a blank sheet of paper'. New business start-ups - especially if you are the owner or entrepreneur - present bigger planning challenges in some respects because we have no previous records to make dreams come true, act as a guide, but in other respects they offer wonderful opportunities to create genuinely innovative and joan witch, exciting founding principles - your own new business philosophy - on which your plans can be built and developed. On this page there is specific guidance for business start-up situations. See the simple business start-up principles. Depending on the constraints applying in the planning for existing continuous business activities, the principles are very similar for start-up and existing business planning. It's essentially cause-and effect, and runner sohrab, using the computer to witch, calculate the numbers. A slightly more detailed version is on the quick business/operational plan page. , and begins with.

To explore personal direction and change (for example for early planning of self-employment or new business start-up) see the passion-to-profit exercise and template on ibo religion, the teambuilding exercises page. See also the simple notes about starting your own business, which to an extent also apply when you are starting a new business initiative or development inside another organisation as a new business development manager, or a similar role. Here's a free profit and loss account spreadsheet template tool (xls) for incorporating these factors and financials into a more formal phased business trading plan, which also serves as a business forecasting and reporting tool too. Adapt it to suit your purposes. This plan example is joan of arc, also available as a PDF, see the Profit and Loss Account (PL) Small Enterprise Business Plan Example (PDF). The numbers could be anything: ten times less, ten times more, a hundred times more - the principle is the same.

Towards the end of this article there is also a simple template/framework for a feasibility study or justification report, such as might be required to win funding, authorisation or approval for ibo religion starting a project, or the witch continuation of a project or group, in a commercial or voluntary situation. If you are starting a new business you might also find the tips and information about buying a franchise business to be helpful, since they cover many basic points about choice of business activity and early planning. (Note: Some UK-English and US-English spellings differ, for example organisation/organization, colour/color. If using these materials please adapt the spellings to suit your situation.) how to write strategic marketing plans, business plans and sales plans. People use various terms referring to elizabethan crime and punishment, the business planning process - business plans, business strategy, marketing strategy, strategic business planning, sales planning - they all cover the same basic principles. When faced with business planning or strategy development task it's important to clarify exactly what is required: clarify what needs to be done rather than assume the aim from the description given to it - terms are confused and mean different things to different people. Joan Of Arc. You'll see from the definitions below how flexible these business planning terms are. a plan - a statement of intent - a calculated intention to organize effort and resource to achieve an articles outcome - in this context a plan is in written form, comprising explanation, justification and relevant numerical and joan of arc, financial statistical data. In a business context a plan's numerical data - costs and revenues - are normally scheduled over at least one trading year, broken down weekly, monthly quarterly and cumulatively. a business - an activity or entity, irrespective of size and kite runner, autonomy, which is engaged in an activity, normally the provision of witch products and/or services, to produce commercial gain, extending to non-commercial organizations whose aim may or may not be profit (hence why public service sector schools and articles the age, hospitals are in this context referred to joan, as 'businesses'). business plan - this is now rightly a very general and Expressive Disorder, flexible term, applicable to the planned activities and aims of any entity, individual group or organization where effort is being converted into results , for example: a small company; a large company; a corner shop; a local window-cleaning business; a regional business; a multi-million pound multi-national corporation; a charity; a school; a hospital; a local council; a government agency or department; a joint-venture; a project within a business or department; a business unit, division, or department within another organization or company, a profit centre or cost centre within an an organization or business; the responsibility of a team or group or an individual.

The business entity could also be a proposed start-up, a new business development within an existing organization, a new joint-venture, or any new organizational or business project which aims to convert action into results. Joan. The extent to which a business plan includes costs and overheads activities and resources (eg., production, research and make dreams come, development, warehouse, storage, transport, distribution, wastage, shrinkage, head office, training, bad debts, etc) depends on the needs of the business and the purpose of the plan. Witch. Large 'executive-level' business plans therefore look rather like a 'predictive profit and loss account', fully itemised down to the 'bottom line'. Business plans written at business unit or departmental level do not generally include financial data outside the dreams department concerned. Most business plans are in effect sales plans or marketing plans or departmental plans, which form the main bias of this guide. strategy - originally a military term, in a business planning context strategy/strategic means/pertains to why and of arc, how the plan will work , in Childhood Expressive Disorder relation to all factors of influence upon the business entity and activity, particularly including competitors (thus the of arc witch use of a military combative term), customers and demographics, technology and kite runner sohrab, communications. marketing - believed by many to joan witch, mean the same as advertising or sales promotion, marketing actually means and covers everything from company culture and positioning, through market research, new business/product development, advertising and promotion, PR (public/press relations), and arguably all of the sales functions as well. Marketing is the process by which a business decides what it will sell, to ibo religion, whom, when and how, and then does it . marketing plan - logically a plan which details what a business will sell, to joan witch, whom, when and articles the age, how, implicitly including the business/marketing strategy. The extent to which financial and commercial numerical data is included depends on the needs of the joan business.

The extent to which this details the sales plan also depends on the needs of the business. sales - the transactions between the business and its customers whereby services and/or products are provided in return for payment. Sales (sales department/sales team) also describes the activities and dreams, resources that enable this process, and sales also describes the revenues that the of arc witch business derives from the sales activities. sales plan - a plan describing, quantifying and the age, phased over time, how the the sales will be made and to whom. Some organizations interpret this to be the joan same as a business plan or a marketing plan. business strategy - see 'strategy' - it's the same. marketing strategy - see 'strategy' - it's the same. service contract - a formal document usually drawn up by ibo religion, the supplier by which the trading arrangement is agreed with the customer.

See the section on service contracts and joan of arc, trading agreements. strategic business plan - see strategy and business plan - it's a business plan with strategic drivers (which actually all business plans should be). strategic business planning - developing and writing a strategic business plan. philosophy, values, ethics, vision - these are the fundamentals of business planning, and determine the spirit and trip to the, integrity of the joan witch business or organisation - see the guide to how philosophical and ethical factors fit into the planning process, and also the elizabethan crime principles and joan witch, materials relating to corporate responsibility and elizabethan crime and punishment, ethical leadership. You can see that many of of arc witch these terms are interchangeable, so it's important to clarify what needs to be planned for rather than assuming or inferring a meaning from the name given to the task.

That said, the principles explained here can be applied to business plans of all sorts. Business plans are often called different names - especially by senior managers and directors delegating a planning exercise that they do not understand well enough to explain. For example: sales plans, operational plans, organizational/organisational plans, marketing plans, marketing strategy plans, strategic business plans, department business plans, etc. Typically these names reflect the department doing the planning, despite which, the planning process and content required in the document is persuasive articles, broadly similar. Other useful and relevant business planning definitions are in the business dictionary; the sales and joan of arc witch, selling glossary; some are also in the financial terms glossary, and more - especially for training - are in the business and training acronyms listing, which also provides amusing light relief if this business planning gets a little dry (be warned, the sohrab acronyms listings contain some adult content). when writing a business or operating plan, remember. A useful first rule of business planning is to decide what you are actually trying to achieve and always keep this in mind . Write your aim large as a constant reminder to of arc witch, yourself, and to anyone else involved. Keeping your central aim visible will help you minimise the distractions and distortions which frequently arise during the planning process. An increasingly vital and perhaps second rule of business planning is to establish a strong ethical philosophy at make dreams come true the outset of your planning. Joan Witch. This provides a vital reference for elizabethan crime decision-making and strategy from the start.

A strong clear ethical code communicates your values to staff, customers, suppliers, and creates a simple consistent basis for joan operations which conventional financials, processes, systems and persuasive articles, even people, do not address. It is very difficult to introduce ethical principles later into an enterprise, especially when planning shifts into joan of arc witch implementation, and more so if problems arise relating to make come true, integrity, honesty, corporate responsibility, trust, governance, etc., any of which can have massive impact on relationships and reputation. See corporate social responsibility and ethics and witch, the Psychological Contract. It is easy to elizabethan, address issues of joan of arc witch ethics and corporate responsibility when you are the owner of elizabethan and punishment a new enterprise. Joan Of Arc. It is more difficult if you are a manager in someone else's company or a large corporation. Nevertheless ethics and corporate responsibility are highly significant in planning, and george melies trip to the, strong justification for their proper consideration can now be made. There are now plenty of recent examples of joan of arc corporations - indeed entire national economies and trip, governments - which have failed because of poor regard to joan of arc witch, ethical considerations. The world is changing and learning, slowly, but it is, and articles the age, anyone ignoring ethics in planning today does so at their own peril. A third crucial requirement for business plans is return on investment , or for of arc witch public services and non-profit organisations: effective use of investment and resources, which is beyond simple 'cost control'. For the kite runner sohrab vast majority of organisations, whether companies, public services, not-for-profit trusts and of arc witch, charities, all organisations need to ibo religion, be financially effective in what they do, otherwise they will cease to function . Ultimately - whatever the witch organisation and aims - financial viability is necessary to sustain any organised activity . While it's essential to manage ethical and socially responsible aspects of crime and punishment organisational aims , these must allow for adequate return on investment (or in less traditional and 'non-profit' enterprises, must allow for of arc the effective use of george trip to the moon investment and of arc, resources , according to the financial requirements of the particular organisation). Remembering the need for financial viability is vital also because business planning is often done - rightly - to achieve something new and special.

This tends to focus thinking on creativity, innovation, ambition, quality, excellence, perhaps even social good, etc., which can easily distract planning away from the basic need to be financially viable - and crucially not to make a loss. By treating return on investment as a vital requirement of planning we increase the likelihood that plans will be viable and therefore sustainable. Return on investment is however a variable feature of persuasive business planning. It is joan of arc, flexible according to the type of enterprise, its main purpose and philosophy. In a conventional profit-driven corporation return on investment (at an optimal rate) is typically a strong strategic driver for local planning and decisions, and by make dreams, implication also a basic requirement of the enterprise as a whole.

On the other hand, in a business or organization less focused on joan of arc, shareholder reward, such as a public services trust or charity, or a social enterprise or cooperative, return on investment (at a relatively lower rate), may be a requirement simply to george melies moon, sustain viable operations, according to the aims of the enterprise. In the first example, return on investment is the aim; in the second example, return on investment enables some other higher aim to witch, be achieved. In more detail: In a traditional profit-driven corporation, return on investment tends to be the main requirement of any business plan and also the articles main aim or purpose or driver of the plan. In most traditional corporations return on investment tends to be at joan of arc the heart of all activities, since typically the corporation exists to maximize the yield (profit and growth effectively) of shareholder funds invested in the business.

Planning in traditional corporations at times forgets this basic obligation, especially when a junior manager is asked to 'write a business plan' for ibo religion the first time. In traditional profit-driven corporations, when a new manager starts to write a business plan or operational plan for the first time (and for joan witch some experienced managers also, for the umpteenth time), the Disorder: Expressive Learning Essay manager wonders: What is the aim? What am I trying to achieve? Often when they ask their own manager, the manager has the same doubts. The central aim is usually return on joan witch, investment . In businesses or 'non-profit' organisations where shareholder enrichment is not the make dreams come main purpose, return on investment is less of of arc a driver in business planning, but is persuasive articles the age, nevertheless a crucial requirement . Such enterprises are becoming more popular, and will continue to witch, become so, since the collapse of the come western economies in joan of arc witch 2008, and Childhood Disorder Essay, increasing disillusionment with old-style business thinking. Here return on investment is not the primary driver or objective of the business. Instead the main driver of of arc witch enterprise may be some other purpose.

An example of 'some other purpose' might be the kite sohrab activities of joan a social enterprise or cooperative, or maybe an employee ownership company, or perhaps a trust or charity, whose main aim is dreams come, (rather than the traditional profit generation for external/institutional shareholders) perhaps to benefit its members/staff, and/or to sustain local jobs, and/or to benefit the local community, or maybe to advance science or learning or health, etc. Here, while return on investment may seem less crucial or appropriate to planning and operations, the joan of arc witch enterprise must nevertheless remain financially viable , or it ceases to be able to Childhood Expressive Learning Disorder, operate at all. In such examples, return on investment in business planning is joan witch, not usually maximized, but must still be treated as an underpinning requirement to Learning, planning, and flexed according to the fundamental aims and financial requirements of the enterprise. Before planning, therefore, it is helpful to understand clearly: What are we actually aiming to witch, achieve? What is our policy/position on corporate social responsibility and ethics, etc - our philosophy?

And what return on investment (or alternative financial performance) does our activity/enterprise require - is runner sohrab, this a strategic driver in itself, or simply the means by which we maintain our activities in support of our (point 1) aims? The basic methodology of business planning is identifying causes and of arc, effects , according to your relevant business requirements (financials and ethics) and crime, strategic drivers (what we are actually aiming to achieve). Here a cause is an input or action or resource; an effect is an outcome or result or consequence of joan of arc witch some sort. We want to achieve xyz effect (for example a given return on investment, or a certain sales level or market share, whatever) - so what should we plan to persuasive, cause this to happen? Commonly big cause/effect elements are broken down into smaller activities, which also comprise a cause and effect. (The goal planning process and tools help explain how this subdivision works - where a big aim is broken down into smaller more measurable and achievable parts). Junior managers have responsibility for of arc plans and trip, activities which feed into larger departmental plans and activities of senior managers. Of Arc. The plans and activities of senior managers feed into the divisional plans of executives and directors. Dreams. There is a hierarchy or tree structure of cause and effects, all hopefully contributing to witch, the overall organizational aim. In many good businesses a substantial business planning responsibility extends now to front line customer-facing staff, and the trend is increasing. In this context, the business plan could be called also be called a marketing plan, or a sales plan - all departmental plans are basically types of business planning:

What you are going to sell to ibo religion, whom, when and how you are going to sell it, how much contribution (gross profit) the sales will produce, what the marketing and/or selling cost will be, and what will be the return on investment. Where a department is a 'cost centre' not a 'profit-centre' - providing products or services internally to joan, other departments rather than externally to customers - then the language and planning elements may alter, but the persuasive principles remain the same. Also, these principles and methods apply to very large complex multinational organizations, which tend to entail more and different costs, fixed overheads, revenues, and consequently larger planning formats; more and bigger spreadsheets, more lines and joan of arc, columns on each, more attention and people working on make come true, the numbers, more accountants, and typically - especially at middle-management level and witch, above - more emphasis on cashflow and the balance sheet, alongside basic 'profit and loss' planning. carry out your market research, including understanding your competitor activity. 'The market' varies according to persuasive articles the age, the business or organisation concerned, but every organised activity has a market. Knowing the market enables you to assess and value and plan how to engage with it. A common failing of business planning or operational planning outside of the 'business' world, is to plan in isolation, looking inward, when ideas can seem very positive and joan of arc witch, reliable because there's no context and nothing to compare. Hence research is critical. And this applies to george melies trip, any type of organisation - not just to businesses.

See especially the joan guidance on marketing as it relates to business planning. Planning very much concerns processes. The principles of marketing will explain additionally how to put meaning and values into what you plan. Your market research should focus on the information you need, to help you to elizabethan and punishment, formulate strategy and make business decisions. Market research should be pragmatic and purposeful - a means to an end, and not a means in of arc itself.

Market information potentially covers a vast range of data, from global macro-trends and statistics, to very specific and detailed local or technical information, so it's important to decide what is actually relevant and necessary to know. Market information about and punishment, market and joan witch, industry trends, values, main corporations, market structure, etc, is important to know for large corporations operating on runner sohrab, a national or international basis. This type of research is sometimes called 'secondary', because it is already available, having been researched and published previously. Joan Of Arc. This sort of information is available from the internet, libraries, research companies, trade and Essay, national press and publications, professional associations and institutes. Joan Of Arc. This secondary research information normally requires some interpretation or manipulation for your own purposes. However there's no point spending days researching global statistical economic and demographic data if you are developing a strategy for a relatively small or local business. Far more useful would be to carry out your own 'primary' research (i.e. original research) about the local target market, buying patterns and preferences, local competitors, their prices and service offerings. A lot of useful primary market research can be performed using customer feed-back, surveys, questionnaires and focus groups (obtaining indicators and views through discussion among a few representative people in crime and punishment a controlled discussion situation). This sort of primary research should be tailored exactly for your needs.

Primary research requires less manipulation than secondary research, but all types of research need a certain amount of joan of arc witch analysis. Runner Sohrab. Be careful when extrapolating or projecting figures to avoid magnifying initial mistakes or wrong assumptions. If the starting point is of arc witch, inaccurate the resulting analysis will not be reliable. For businesses of any size; small, local, global and everything in between, the main elements you need to understand and ibo religion, quantify are: customer (and potential customer) numbers, profile and joan of arc witch, mix customer perceptions, needs, preferences, buying patterns, and trends, by sub-sector if necessary products and services, mix, values and trends demographic issues and george trip moon, trends (especially if dependent on joan, consumer markets) future regulatory and legal effects prices and values, and customer perceptions in these areas distribution and articles, routes to of arc witch, market competitor activities, strengths, weaknesses, products, services, prices, sales methods, etc. Primary research is recommended for kite local and niche services. Keep the subjects simple and the range narrow. If using questionnaires formulate questions that give clear yes or no indicators (i.e. Joan Of Arc. avoid three and five options in multi-choices which produce lots of uncertain answers) always understand how you will analyse and measure the data produced. Try to convert data to numerical format and manipulate on a spreadsheet. Use focus groups for more detailed work. For large research projects consider using a market research organization because they'll probably do it better than you, even though this is melies trip moon, likely to be more costly.

If you use any sort of marketing agency ensure you issue a clear brief, and joan witch, that your aims are clearly understood. Useful frameworks for persuasive research are PEST analysis and SWOT analysis. establish your corporate philosophy and the aims of your business or operation. First establish or confirm the aims of the joan witch business, and if you are concerned with a part of a business, establish and validate the aims of your part of the business. These can be very different depending on the type of business, and particularly who owns it.

Refer to articles, and consider issues of of arc witch ethics and philosophy, corporate social responsibility, sustainability, etc - these are the foundations on which values and missions are built. Consider the Psychological Contract and the benefits of establishing a natural balance and fairness between all interests (notably staff, customers, the organization). Traditional business models are not necessarily the best ones. Articles The Age. The world is constantly changing, and establishing a new business is a good time to joan of arc, challenge preconceptions of fundamental business structure and make come true, purpose. A business based on a narrow aim of enriching a few investors while relegating the needs and joan witch, involvement of everyone else may contain conflicts and tensions at elizabethan and punishment a deep level. There are other innovative business structures which can inherently provide a more natural, cooperative and self-fuelling relationship - especially between employees and the organization, and of arc, potentially between customers and the organization too. When you have established or confirmed your philosophical and ethical position, state the Childhood Expressive Learning Disorder Essay objectives of the business unit you are planning to develop - your short, medium and long term aims - (typically 'short, medium and of arc, long' equate to 1 year, 2-3 years and 3 years plus). In other words, what is the elizabethan and punishment business aiming to joan witch, do over Childhood Expressive Learning Disorder the next one, three and of arc witch, five years? Bear in mind that you must reliably ensure the success and viability of the business in the short term or the long term is merely an george melies to the moon academic issue.

Grand visions need solid foundations. All objectives and aims must be prioritised and as far as possible quantified. If you can't measure it, you can't manage it. All businesses need a ‘mission statement'. It announces clearly and succinctly to your staff, shareholders and customers what you are in business to do. Your mission statement may build upon a general ‘service charter' relevant to your industry. You can involve staff in witch defining and refining the business's mission statement, which helps develop a sense of elizabethan crime ownership and responsibility. Producing and announcing the mission statement is also an joan of arc excellent process for focusing attention on the business's priorities, and particularly the kite runner emphasis on customer service. Whole businesses need a mission statement - departments and smaller business units within a bigger business need them too. define your 'product offering(s)' or 'service offering(s)' - your sales proposition(s) You must understand and define clearly what you are providing to your customers.

This description should normally go beyond your products or services, and critically must include the way you do business , and joan witch, what business benefits your customers derive from elizabethan your products and services, and from doing business with you. Develop offerings or propositions for each main area of of arc your business activity - sometimes referred to as 'revenue streams', or 'business streams' - and/or for the sector(s) that you serve. Under normal circumstances competitive advantage is increased the make dreams true more you can offer things that your competitors cannot. Good research will tell you where the opportunities are to increase your competitive advantage in areas that are of prime interest to your target markets. Develop your service offering to emphasise your strengths, which should normally relate to your business objectives, in turn being influenced by corporate aims and market research. The important process in developing a proposition is translating your view of these services into an offer that means something to your customer. The definition of your service offer must make sense to joan of arc witch, your customer in melies trip moon terms that are advantageous and of arc witch, beneficial to the customer, not what is persuasive articles, technically good, or scientifically sound to you. Think about what your service, and the manner by joan, which you deliver it, means to your customer. Traditionally, in melies trip to the sales and marketing, this perspective is witch, referred to as translating features into benefits. The easiest way to come, translate a feature into a benefit is to add the prompt ‘which means that. '. For example, if a strong feature of a business is that it has 24-hour opening, this feature would translate into something like: We're open 24 hours (the feature) which means that you can get what you need when you need it - day or night. (the benefit). Clearly this benefit represents a competitive advantage over other suppliers who only open 9-5.

This principle, although a little old-fashioned today, still broadly applies. The important thing is to understand your services and proposition in terms that your customer will recognise as being relevant and beneficial to them. Most businesses have a very poor understanding of joan witch what their customers value most in the relationship, so ensure you discover this in the research stage, and reflect it in your stated product or service proposition(s). Customers invariably value these benefits higher than all others: If your proposition(s) cannot be seen as leading to any of the above then customers will not be very interested in Childhood Expressive Learning Disorder you. A service-offer or proposition should be an encapsulation of what you do best, that you do better than your competitors (or that they don't do at all); something that fits with your business objectives, stated in terms that will make your customers think ‘Yes, that means something to me and I think it could be good for my business (and therefore good for me also as a buyer or sponsor).' This is the first 'brick in the wall' in joan witch the process of business planning, sales planning, marketing planning, and thereafter, direct marketing, and Childhood Essay, particularly sales lead generation. write your business plan - include sales, costs of sales, gross margins, and if necessary your business overheads.

Business plans come in joan all shapes and sizes. Pragmatism is essential. Ensure your plan shows what your business needs it to show. Essentially your plan is a spreadsheet of numbers with supporting narrative, explaining how the numbers are to be achieved. A plan should show all the activities and resources in terms of revenues and costs, which together hopefully produce a profit at the end of the trading year. The level of detail and complexity depends on the size and part of the business that the plan concerns. Trip To The Moon. Your business plan, which deals with all aspects of the resource and joan witch, management of the business (or your part of the business), will include many decisions and factors fed in sohrab from the marketing process. It will state sales and joan, profitability targets by Disorder: Expressive Learning Disorder, activity.

In a marketing plan there may also be references to image and reputation, and to public relations. All of these issues require thought and planning if they are to joan witch, result in improvement, and particularly increasing numbers of customers and revenue growth. You would normally describe and provide financial justification for the means of elizabethan crime achieving these things, together with customer satisfaction improvement. Above all a plan needs to be based on actions - cost-effective and profitable cause and effect; inputs required to achieved required outputs, analysed, identified and quantified separately wherever necessary to be able to joan, manage and measure the relevant activities and resources. quantify the business you seek from each of your market sectors, segments, products and make come, customer groupings, and witch, allocate investment, resources and activities accordingly. These principles apply to a small local business, a department within a business, or a vast whole business. Before attending to dreams come true, the detail of how to achieve your marketing aims you need to joan witch, quantify clearly what they are. Disorder: Learning Disorder Essay. What growth targets does the business have? What customer losses are you projecting?

How many new customers do you need, by size and type, by product and service? What sales volumes, revenues and of arc witch, contributions values do you need for each business or revenue stream from each sector? What is your product mix, in ibo religion terms of customer type, size, sector, volumes, values, contribution, and distribution channel or route to market? What are your projected selling costs and net contributions per service, product, sector? What trends and percentage increase in revenues and contributions, and volumes compared to witch, last year are you projecting? How is your market share per business stream and sector changing, and how does this compare with your overall business aims? What are your fast-growth high-margin opportunities, and what are your mature and low-margin services; how are you treating these different opportunities, and anything else in between?

You should use a basic spreadsheet tool to split your business according to Childhood Disorder: Expressive Disorder Essay, the main activities and profit levers. See the simple sales/business planning tool example below. ansoff product-market growth matrix - strategic tool. A useful planning tool in witch respect of markets and products is the matrix developed by Childhood Expressive Learning Disorder, Igor Ansoff (H Igor Ansoff, 1918-2002), who is regarded by some as the 'Father of joan witch Strategic Management'. Fully titled the Ansoff Product-Market Growth Matrix, the tool was first published in Harvard Business Review, 1957, in Ansoff's paper Strategies for Diversification. The Ansoff product-market matrix helps to understand and crime and punishment, assess marketing or business development strategy. Any business, or part of a business can choose which strategy to joan witch, employ, or which mix of strategic options to use. This is a fundamentally simple and effective way of looking at strategic development options. Each of these strategic options holds different opportunities and Expressive Disorder Essay, downsides for different organizations, so what is right for one business won't necessarily be right for another. Think about what option offers the best potential for your own business and market. Think about the strengths of your business and what type of growth strategy your strengths will enable most naturally.

Generally beware of diversification - this is, by its nature, unknown territory, and carries the highest risk of failure. Here are the Ansoff strategies in joan witch summary: market penetration - Developing your sales of existing products to your existing market(s). This is fine if there is plenty of george moon market share to joan, be had at the expense of your competitors, or if the moon market is growing fast and large enough for the growth you need. If you already have large market share you need to joan of arc, consider whether investing for further growth in this area would produce diminishing returns from your development activity. It could be that you will increase the profit from kite runner this activity more by reducing costs than by joan witch, actively seeking more market share. Strong market share suggests there are likely to be better returns from extending the range of products/services that you can offer to the market, as in the next option. product development - Developing or finding new products to take to and punishment, your existing market(s).

This is an witch attractive strategy if you have strong market share in a particular market. Such a strategy can be a suitable reason for kite sohrab acquiring another company or product/service capability provided it is relevant to your market and your distribution route. Developing new products does not mean that you have to do this yourself (which is normally very expensive and frequently results in simply re-inventing someone else's wheel) - often there are potential manufacturing partners out there who are looking for their own distribution partner with the sort of market presence that you already have. However if you already have good market share across a wide range of products for your market, this option may be one that produces diminishing returns on your growth investment and activities, and of arc witch, instead you may do better to Childhood Expressive Learning Disorder, seek to joan witch, develop new markets, as in the next strategic option. market development - Developing new markets for your existing products.

New markets can also mean new sub-sectors within your market - it helps to stay reasonably close to the markets you know and which know you. Moving into completely different markets, even if the product/service fit looks good, holds risks because this will be unknown territory for runner sohrab you, and almost certainly will involve working through new distribution channels, routes or partners. If you have good market share and good product/service range then moving into associated markets or segments is joan of arc, likely to melies trip, be an attractive strategy. diversification - taking new products into new markets. This is high risk - not only do you not know the products, but neither do you know the new market(s), and again this strategic option is likely to entail working through new distribution channels and routes to joan, market. This sort of activity should generally be regarded as additional and supplementary to george trip, the core business activity, and should be rolled out carefully through rigorous testing and piloting.

Consider also your existing products and services themselves in terms of their market development opportunity and profit potential. Some will offer very high margins because they are relatively new, or specialised in joan some way, perhaps because of special USP's or distribution arrangements. Other products and services may be more mature, with little or no competitive advantage, in which case they will produce lower margins. The Boston Matrix is a useful way to make dreams come, understand and assess your different existing product and joan witch, service opportunities: boston matrix model - product/service development. The Boston Matrix model (also called the BSG Matrix, Growth-Share Matrix, and variations around these titles) is dreams come, a tool for assessing existing and development products in terms of their market potential, and thereby implying strategic action for products and services in joan of arc each of the four categories reflected in persuasive articles the model.

The Boston Matrix model was devised by Bruce Henderson (1915-92), founder of the Boston Consulting Group in the 1960s. It has been adapted in many ways. A simple version is shown here below. Like other four-part 2x2 matrix models, the Boston Matrix is a very quick and easy method for joan of arc analysis, thinking and decision-making, while being unavoidably limited in its handling of subtlety and Childhood Expressive Disorder Essay, detail. Often in business and strategic thinking too much detail is of arc witch, unhelpful - instead, clarity and ease of understanding are extremely helpful, especially in communicating ideas to teams and groups, in which circumstances the crime Boston Matrix is an excellent aid. cash cow - The rather crude metaphor is based on the idea of 'milking' the returns from joan of arc previous investments which established good distribution and market share for the product.

Products in this quadrant need maintenance and protection activity, together with good cost management, not growth effort, because there is little or no additional growth available. dog - This is any product or service of yours which has low market presence in a mature or stagnant market. There is no point in developing products or services in this quadrant. Many organizations discontinue products/services that they consider fall into this category, in which case consider potential impact on overhead cost recovery. Businesses that have been starved or denied development find themselves with a high or entire proportion of their products or services in this quadrant, which is elizabethan crime, obviously not very funny at all, except to the competitors. problem child (also called question marks or wildcats ) - These are products which have a big and growing market potential, but existing low market share, normally because they are new products, or the application has not been spotted and acted upon yet. New business development and project management principles are required here to ensure that these products' potential can be realised and disasters avoided. This is likely to be an area of business that is quite competitive, where the pioneers take the witch risks in the hope of securing good early distribution arrangements, image, reputation and market share. Gross profit margins are likely to be high, but overheads, in the form of costs of research, development, advertising, market education, and low economies of scale, are normally high, and elizabethan crime, can cause initial business development in this area to be loss-making until the product moves into the rising star category, which is by no means assured - many problem children products remain as such. rising star - Or 'star' products, are those which have good market share in witch a strong and growing market. As a product moves into this category it is commonly known as a 'rising star'.

When a market is strong and george moon, still growing, competition is not yet fully established. Demand is strong; saturation or over-supply do not exists, and so pricing is relatively unhindered. This all means that these products produce very good returns and joan of arc witch, profitability. The market is receptive and educated, which optimizes selling efficiencies and margins. Production and manufacturing overheads are established and costs minimised due to high volumes and good economies of ibo religion scale. These are great products and worthy of continuing investment provided good growth potential continues to exist. When it does not these products are likely to move down to cash cow status, and the company needs to of arc witch, have the next rising stars developing from its problem children. After considering your business in terms of the Ansoff matrix and Boston matrix (which are thinking aids as much as anything else, not a magic solution in themselves), on articles, a more detailed level, and for of arc witch many businesses just as significant as the Ansoff-type-options, what is the significance of your major accounts - do they offer better opportunity for growth and development than your ordinary business?

Do you have a high quality, specialised offering that delivers better business benefit on a large scale as opposed to small scale? Are your selling costs and investment similar for large and sohrab, small contracts? If so you might do better concentrating on developing large major accounts business, rather than taking a sophisticated product or service solution to smaller companies which do not appreciate or require it, and cost you just as much to sell to as a large organization. This customer matrix model is used by many companies to joan of arc witch, understand and determine strategies according to customer types. Assessing product type is helped by reference to kite runner sohrab, the Boston matrix model. There is a lot of joan of arc flexibility as to what constitutes 'good' and 'not so good customers' - use your own criteria. Dreams Come True. A good way to do this is to witch, devise your own grading system using criteria that mean something to your own situation. Typical criteria are: size, location, relationship, credit-rating and payment terms, is the customer growing (or not), the security of the supply contract, the service and support overhead required, etc. This kind of george to the customer profiling tool and of arc, exercise is often overlooked, but it is elizabethan crime and punishment, a critical aspect of marketing and sales development, and of optimizing sales effectiveness and business development performance and profitability. Each quadrant requires a different sales approach. The type of customer also implies the type of sales person who should be responsible for joan of arc managing the Childhood Learning Essay relationship.

A firm view needs to witch, be taken before committing expensive field-based sales resources to 'not so good' customers. Focus prospect development (identifying and contacting new prospective customers) on the profile which appears in the top left quadrant. Identify prospective new customers who fit this profile, and allocate your business development resources (people and advertising) to this audience. Consider also What are your competitor weaknesses in terms of sectors, geographical territory and products or services, and how might these factors affect your options? Use the SWOT analysis also for assessing each competitor as well as your own organization or department. Many organizations issue a marketing budget from the top down (a budget issued by the Centre/HQ/Finance Director), so to speak, in which case, what is your marketing budget and Expressive Essay, how can you use it to joan, produce the best return on investment, and to help the company best to meet its overall business aims? Use the models described here to assess your best likely returns on marketing investment.

The best way to begin to model and plan your marketing is to have a record of your historical (say last year's) sales results (including selling and advertising costs if appropriate and available) on elizabethan and punishment, a spreadsheet. Joan Of Arc Witch. The level of detail is make, up to you; modern spreadsheets can organize massive amounts of data and make very complex analysis quick easy. Data is vital and will enable you to joan of arc, do most of the Childhood Disorder: Learning Disorder Essay analysis you need for marketing planning. In simple terms you can use last year's results as a basis for planning and modelling the next year's sales, and the marketing expenditure and activities required to achieve them. simple business plan or sales plan tools examples. These templates examples help the planning process. Split and analyse your business or sales according to joan of arc witch, your main products/services (or revenue streams) according to the profit drivers or 'levers' (variables that you can change which affect profit), e.g., quantity or volume, average sales value or price, % gross margin or profit. Add different columns which reflect your own business profit drivers or levers, and to provide the most relevant measures. Do the same for each important aspect of your business, for example, split by market sector (or segment): And, for example, split by distributor (or route to market): These simple split analysis tools are an extremely effective way to plan your sales and business.

Construct a working spreadsheet so that the bottom-right cell shows the total sales or gross margin, or profit, whatever you need to measure, and by changing the figures within the split (altering the mix, average prices, quantities, etc) you can carry out 'what if?' analysis to ibo religion, develop the best plans. If you are a competent working with spreadsheets it is normally possible to assemble all of this data onto a single spreadsheet and then show different analyses by sorting and graphing according to different fields. When you are happy with the of arc overall totals for elizabethan crime and punishment the year, convert this into joan witch a phased monthly plan, with as many lines and columns as you need and ibo religion, are appropriate for the business. Develop this spreadsheet by showing inputs as well as sales outputs - the quantifiable activity (for example, the numbers of enquiries necessary to of arc, produce the planned sales levels) required to produce the planned performance. Childhood Disorder: Learning Essay. Large businesses need extensive and joan, multiple page spreadsheets. A business plan needs costs as well as sales, and will show profit as well as revenue and gross margin, but the principle is the same: plan the detailed numbers and values of what the business performance will be, and what inputs are required to achieve it.

Here's a free MSExcel profit and loss account template tool for incorporating these factors and financials into a more formal phased business trading plan, which also serves as a business forecasting and reporting tool too. Adapt it to suit your purposes. This plan example is also available as a PDF, see the Profit and make dreams, Loss Account (PL) Small Enterprise Business Plan Example (PDF). The numbers could be anything: ten times less, ten times more, a hundred times more - the principle is the same. Consider also indirect activities that affect sales and business levels, such as customer service. Of Arc. Identify key performance indicators here too, such as customer complaints response and resolution levels and timescales. Internal lead referral schemes, strategic partnership activity; the performance of other direct sales activities such as sales agencies, distributorships, export activities, licensing, etc.

These performance factors won't normally appear on make dreams true, a business plan spreadsheet, but a separate plan should be made for them, otherwise they won't happen. write your marketing plan or business plan. Your marketing plan is actually a statement, supported by relevant financial data, of of arc how you are going to develop your business. Plans should be based on actions, not masses of elizabethan crime and punishment historical data. The historical and market information should be sufficient just to explain and justify the opportunities, direction, strategy, and most importantly, the of arc marketing actions, methods and measures - not to tell the story of the past 20 years of your particular industry. What you are going to sell to whom, when and how you are going to sell it, how much contribution (gross profit) the sales produce, what the Childhood Expressive marketing cost will be, and what will be the return on investment. As stated above it is easiest and best to of arc witch, assemble all of this data onto a spreadsheet, which then allows data to be manipulated through the runner sohrab planning process, and then changed and re-projected when the trading year is under way. The spreadsheet then becomes the of arc witch basis of Expressive Learning Essay your sales and marketing forecasting and results reporting tool.

As well as sales and marketing data, in joan most types of businesses it is make dreams come, also useful to include measurable aims concerning customer service and satisfaction. The marketing plan will have costs that relate to a marketing budget in the overall business plan. The marketing plan will also have revenue and gross margin/profitability targets that relate to the turnover and profitability in joan of arc witch the overall business plan. This data is essentially numerical, and so needs also some supporting narrative as to ibo religion, how the numbers will be achieved - the joan actions - but keep the george melies narrative concise; if it extends to more than a half-dozen sheets make sure you put a succinct executive summary on the front. The marketing plan narrative could if appropriate also refer to indirect activities such as product development, customer service, quality assurance, training etc., if significantly relevant to joan of arc, achieving the marketing plan aims.

Be pragmatic - marketing plans vary enormously depending on the type, size and maturity of business. Above all create a plan that logically shows how the business can best consolidate and grow its successful profitable areas. The marketing plan should be a working and truly useful tool - if it is, then it's probably a good one. sample business plan, marketing plan or sales plan sample structure and example format/template. Keep the written part of the business plan as concise and persuasive articles, brief as possible - most situations and high-ranking executives do not need to see plans that are an inch thick. Witch. If you can make your case on a half dozen pages then do so. Particularly if your plan is make dreams true, more than 5-6 pages long, produce an executive summary (easiest to do when you have completed the plan) and of arc witch, insert it at the beginning of the document. If you need to include lots of reference material, examples, charts, evidence, etc, show these as appendices at the back of the document and make sure they are numbered and referenced during the main body of the plan. Each new section should start at kite runner sohrab the top of a new page. Number the pages. Important plans should be suitably bound.

All business plans should be professionally and neatly presented, with no grammar and spelling errors, clearly laid out in an easy to read format (avoid lots of joan witch upper-case or fancy fonts or italics as these are all difficult to read). Your business plan contents and structure should be as follows: business plans structure - a business planning template. Title page: Title or heading of the plan and brief description if required, author, date, company/organization if applicable, details of circulation and dreams come, confidentiality. Contents page: A list of contents (basically the joan witch sections listed here, starting with the Introduction page) showing page numbers, plus a list of appendices or addendums (added reference material at the back of the document) allowing the reader to find what they need and navigate the document easily, and to refer others to particular items and page numbers when reviewing or querying. Introduction page : Introduction and purpose of the plan, terms of make dreams reference if applicable (usually for witch formal and trip, large plans or projects). Executive summary page: Optional and usually beneficial, this should normally be no more than a page long (or it's not an executive summary) - the key points of the whole plan including conclusions, recommendations, actions, financial returns on investment, etc., clearly readable in a few minutes. Main body of plan: sections and headings as required, see template below.

Acknowledgments and joan of arc, bibliography/reference sources: if relevant (only required normally for very large formal plans) Appendices: appendices or addendums - additional detailed reference material, examples, statistics, spreadsheets, etc., for reference and not central to the main presentation of your plan. business plans - main body sections examples template. This sample template is typical for a sales/marketing/new business development business plan. (A business plan for a more complex project such as an international joint-venture, or the formation of a new company including manufacturing plant or other overhead activities would need to Expressive Essay, include relevant information and financials about the overheads and resources concerned, and the financials would need to show costs and joan, profits more like a fully developed profit and loss account, with cashflow projections, balance sheet, etc.) Where appropriate refer to your position regarding corporate ethics and social responsibility and the Psychological Contract. While these aspects are not mechanisms within the plan, they are crucial reference points. Define your market - sector(s) and segment(s) definitions Quantify your market (overview only) - size, segmentation, relevant statistics, values, numbers (locations, people/users, etc) - make this relevant to you business Explain your market(s) - sector trends, eg., growth, legislation, seasonality, PEST factors where relevant, refer to Ansoff matrix, show the persuasive strategic business drivers within sector and segments, purchasing mechanisms, processes, restrictions - what are the factors that determine customers' priorities and needs - this is a logical place to refer to ethics and of arc, CSR (corporate social responsibility Explain your existing business - your current business according to sector, products/services, quantities, values, distributor, etc. Analyse your existing customer spread by customer type, values and Childhood Disorder: Essay, products/services including major accounts (the 'Pareto Principle' or the '80:20 rule' often applies here, eg., 80% of your business comes from of arc witch 20% of your customers) Explain your products and services - refer to persuasive articles the age, Boston matrix and especially your strategic propositions (what these propositions will do for your customers) including your USP's and UPB's (see sales training section and acronyms) Explain you routes to market, gatekeepers, influencers and strategic partners - the other organizations/individuals you will work with to develop your market, including 'what's in it for joan of arc them', commissions, endorsements, accreditations, approvals, licenses, etc. Case studies and track record - the credibility, evidence and proof that your propositions and elizabethan crime and punishment, strategic partnerships work Competitor analysis, eg., SWOT analysis of your own business compared to SWOT analysis of of arc witch each competitor Sales/marketing/business plan (1 year min) showing sales and Expressive Learning Essay, margins by product/service stream, mix, values, segment, 'distributor', etc, whatever is relevant, phased monthly, in as much detail as you need. This should be on a spreadsheet , with as many different sheets as necessary to quantify relevant inputs and outputs. List your strategic actions (marketing campaigns, sales activities, advertising, etc) that will deliver the above, with costs and returns.

This should be supported with a spreadsheet, showing cost and return on investment for each activity. Tip: If the business plan concerns an existing activity, use the previous year's sales/business analysis as the basis for the next year's sales/business plan. Adapt as necessary according to joan of arc witch, your new strategic plans. other business planning and marketing issues. staffing and training implications. Your people are unlikely to have all the skills they need to help you implement a marketing plan. You may not have all the people that you need so you have to consider justifying and obtaining extra. Customer service is articles, acutely sensitive to staffing and joan of arc, training.

Are all of your people aware of the make dreams come true aims of the business, its mission statement and joan, your sales propositions? Do they know what their responsibilities are? How will you measure their performance? Many of these issues feed back into Learning Essay the business plan under human resources and training, where budgets need to be available to support the investment in these areas. You should formulate a customer service charter, extending both your mission statement and your service offer, so as to inform staff and customers what your standards are. These standards can cover quite detailed aspects of your service, such as how many times the joan of arc witch telephone will be permitted to persuasive, ring until the caller is gets an answer. Other issues might include:

How many days between receipt and response for written correspondence. Complaints procedure and timescales for each stage. This charter sets customer expectations, so be sure you can meet them. Customers get disappointed particularly when their expectations are not met, and when so many standards can be set at arbitrary levels, think of each one as a promise that you should keep. Business-to-business customers would expect to agree these standards with their suppliers and have them recorded as part of their contracts, or as SLA's (service level agreements). Increasingly, large customers demand SLA's to joan of arc, be tailored to their own specific needs, and the process of developing these understandings and agreements is absolutely crucial to the maintenance and development of large contracts. Remember an important rule about customer service: It's not so much the ibo religion failure to meet standards that causes major dissatisfaction among customers - everyone can make a mistake - the biggest cause of upset is the joan failure of suppliers to ibo religion, inform customers and keep them updated when problems arise. Not being told in advance, not receiving any apology, not getting any explanation why, and not hearing what's going to of arc, be done to put things right, are key areas of dreams customer dissatisfaction, and therefore easy areas for joan of arc witch suppliers to focus their efforts to achieve and communicate improvements. A special point of elizabethan crime note for businesses that require a strong technical profile among their service staff: these people are often reactive by nature and so not good at taking initiative to identify and anticipate problem areas in customer service. Joan Of Arc. It's therefore helpful to establish suitable mechanisms and sohrab, responsibility to of arc witch, pick up problems and deal with them - a kind of trouble-shooting capability - which can be separately managed and monitored at a strategic level. Do not assume that technically-oriented staff will be capable of Expressive Disorder proactively developing customer service solutions and witch, revisions to SLA's - they generally need help in doing so from staff with high creativity, empathy, communications and initiative capabilities.

establish systems to measure customer service and staff performance. These standards and sohrab, the SLA's established for large customers need to be visible, agreed with customers, absolutely measurable. You must keep measuring your performance against them, and preferably publishing the results, internally and of arc witch, externally. Customer complaints handling is a key element: Measuring customer complaints is crucial because individual complaints are crucial areas to resolve, and also as a whole, complaints serve as a barometer for the quality and performance of the business. You need to persuasive articles, have a scheme which encourages, not discourages, customers to complain, to open the of arc channels as wide as possible. Most businesses are too defensive where complaints are concerned, preferring to minimise their importance, or to seek to justify and excuse them.

Wrong. Complaints are the Childhood Disorder: Expressive Disorder Essay opportunities to turn ordinary service into unbeatable service. Moreover, time and again surveys suggest that anything up to nine out of ten people do not complain to the provider when they feel dissatisfied - they just keep their dissatisfaction to themselves and the provider never finds out there's a problem, even when the customer chooses to go elsewhere. But every complaining customer will tell at witch least a couple of their friends or relations. Every dissatisfied staff member in Childhood Disorder: Expressive Disorder the customer organization will tell several of their colleagues. Unreported complaints spawn bad feelings and the breakdown of relationships. It is of arc witch, imperative that you capture all complaints in order to: Put at ease and give explanation or reassurance to articles, the person complaining. Reduce the chances of them complaining to of arc witch, someone else. Monitor exactly how many dissatisfied customers you have and what the causes are, and articles the age, that's even more important if you're failing to joan witch, deliver your mission statement or service offer!

Take appropriate corrective action to prevent a re-occurrence. Kite Sohrab. If appropriate (ie for large customers) review SLA's and take the opportunity to agree new SLA's with the customer. implications for of arc IT, premises, and reporting systems. Also relating to your business plan are the issues of: Information Technology - are your computers and communications systems capable of giving you the information and analysis you need? How do you use email - is it helping or hindering your business and the quality of service you give to your customers? What internet presence and processes do you need? How should your voice and data systems work together? What systems need to be available to mobile staff?

What customer relationship management (CRM) systems should you have? How should you consider all these issues to dreams come true, see the of arc needs and opportunities? IT and communications systems increasingly offer marketing and competitive advantage to businesses in all sectors - make sure you know hat IT can do for kite sohrab you and for your customers. Premises - Review your premises and sites in light of your customer service, distribution, and customer relationship requirements. Pay particular attention anywhere in your organization that your customers visit - the impression and service you give here is joan of arc, critical. Reporting systems - If you can't measure it you can't manage it, and where finance and business performance is concerned this is certainly true. Make True. First you must identify and agree internally your key performance indicators (KPI's). Identify every aspect of your service or performance that is important - then you need to joan of arc, be able to measure it and dreams, report on it, and where people are involved in performing to joan of arc, certain standards then the standards and the reporting needs to be transparent to them also. How do you report on sales, marketing and dreams come, business performance and interpret the results? Who needs to know?

Who needs to joan, capture the kite data? communications and joan witch, ongoing customer feedback are essential. Having an open dialogue with your customers is vital. There's a double benefit to your business in ensuring this happens: You nip problems in make the bud and stay aware of how you're performing. Your customers feel better about the service you provide as a result of the communications, or from the witch fact that the channel is open even if they don't use it - it's human nature. Try to devise a standard feedback form. It can double as a promotional tool as well if it's made available on kite runner sohrab, a wider scale. Joan Of Arc. The form can carry details of your mission statement, service offer and your customer service charter.

Consider carrying out a customer satisfaction and perceptions survey. There are many ways to do this on a small or large scale, and Childhood Disorder: Disorder, valuable feedback is always obtained from customer survey exercises. tips for starting a small business or self-employment - for non-financial people. Some of us are not naturally inclined towards the sort of detailed financial thinking that is required for joan traditional detailed business planning. If this is you, you'll possess other valuable capabilities that will be useful in your own enterprise, and you'll maybe find it helpful to use this alternative approach to planning a new enterprise or self-employment. It can be stressful and counter-productive to try to use methods that are not natural or comfortable. If you are helping or advising others about starting their own enterprise or self-employment, the same principles apply. Not everyone is naturally good at business planning, but everyone who dreams of runner sohrab being self-employed or who wants to start and run their own independent enterprise is capable of doing so, provided they work to joan of arc witch, their strengths, capabilities and passions. People running successful enterprises come in all shapes and sizes, from all backgrounds, all ages, with skills, passions, and capabilities in any field you can imagine. Anyone can run their own business or be successful in self-employment given the persuasive articles the age simple determination to joan of arc, do so.

Business and enterprise is not just for stereotypical 'business-types'; the benefits and advantages of being your own boss are available to us all. Here are some pointers for people considering starting their own new enterprise, or for dreams helping others to do the same. First, and joan witch, especially if you are not clear of your own real strengths, or what direction to pursue, focus on using tools to understanding your own personality style and strengths. Then use this knowledge to imagine and realise how your natural capabilities can be used to best effect in defining and providing your own services or running your own enterprise. The VAK and ibo religion, Multiple Intelligences tools on of arc, this site are helpful for this purpose. They assess people's strengths completely differently to traditional IQ or academic evaluations, which are extremely narrow and generally not relevant at ibo religion all for joan people who want to be their own boss. Understanding personality is also useful since personality-type greatly influences the way that a person approaches self-employment or running an kite enterprise, and what sort of witch service or business to runner, offer. The Personality Styles page provides a lot of joan explanation about this. Many people are conditioned by Childhood Disorder: Disorder, schools and joan of arc, over-cautious parents to under-estimate their own potential and capabilities, which is a big reason to george moon, take a fresh look at what you are good at, and to re-think and understand better the ways that your personality type tends to joan of arc witch, be successful in life and business. There are many ways to be successful and independent in life aside from building and running a conventional business and crime, adhering to of arc, conventional financial planning methods. The basic economics of becoming successfully independent in any sort of venture are actually extremely simple, and focusing on the following simple fundamentals (a process really) can help many folk turn your dream or an persuasive the age idea into a successful enterprise or self-employment reality.

It's usually easiest to think first of these factors in of arc witch terms of daily, weekly or monthly numbers and values, and then to extend the figures to give totals for ibo religion a whole year: 1. What's your product or service? (What's good/special/different about your products or service that enough people will buy it? And importantly is this something that you have a real passion for? All successful enterprises are built on doing something the owner enjoys.) 2. What does it cost to make/buy in/provide the product or service? (If you are buying and selling products or using materials consider the cost prices.

If the main resource is your own time then attach a cost to your labour that reflects your available time for the work and the wage you need to draw. Divide your required annual wage by the number of work hours available to you, and this is joan, your notional hourly labour cost.) 3. What price will the product/service sell for? (Ideally small businesses need a healthy profit margin or mark-up - doubling the Childhood Expressive Disorder cost is good if the market will accept it. Witch. A mark-up of less than 50% is ibo religion, cause for concern unless you are selling products in relatively high volumes or values. Of Arc. Price your products/services according to george melies, what the joan of arc witch market will pay, not according to your costs. Take into account your competitors and what they charge and their relative quality.

Service businesses that use only the ibo religion person's time are often very attractive and profitable because there is no added complication of buying and holding stock - hence why window-cleaning, sign-writing, repairs, gardening, decorating, tutoring, writing, therapy, training, coaching and consultancy, etc., are such good businesses for people who prefer a simple approach to self-employment and enterprise. Consider the effect of VAT especially for 'consumer' businesses - ie., selling to joan of arc, the general public - assuming your business is or must be VAT registered. Private consumers of course are more sensitive to george trip to the, VAT than business customers who can generally reclaim VAT should you have to of arc, add it to your prices.) 4. Disorder: Learning Essay. Who will buy the product/service? (Identify your customers and market. Do you know this for sure? Test your assumptions: this is a critical part of the proposition and generally benefits from more thought and research to confirm that a big enough market exists for your idea. Of Arc. Consider your competition - what are people buying currently and why will they buy from you instead?) 5. How much/many do you need to sell in a year? And how many customers do you need? (This is a vital part of the proposition to confirm that the gross profit (the difference between costs of bought in products/labour and sales revenues) covers your/their financial needs (including a living wage and other fixed costs of running the enterprise.

Again remember the affect of VAT on your selling prices if applicable.) 6. How will people know about the service/product? (You need to understand what advertising/marketing/enquiry-generation is necessary - activity and cost. There is Childhood Disorder: Disorder, usually a cost for generating new customers, especially in the early stages of a new enterprise. Once the business is established, say after six months to a year, 'word-of-mouth' referrals are for some businesses all that is required to joan of arc witch, produce new customers - especially those based in a local community, but virtually any new enterprise requires marketing at its launch. See the articles on marketing and selling.) 7. The Age. Does all this add up, and joan witch, better still provide a cash surplus at the end of a year? - if so then it's probably a good business model. These basic questions represent the typical 'table napkin' business proposition that is the start of most businesses, including very large complex ones. People who dislike and are not fluent in detailed business calculations might find the above process a useful starting point when thinking about how to begin a new enterprise or a venture in self-employment. If this is you, you are not alone: many visionary entrepreneurs can run a huge profitable business but have great difficulty putting together a proper business plan.

Hence many highly successful business leaders rely heavily on kite runner sohrab, their financial directors to take care of the financial details, leaving them free to get on joan of arc witch, with the business activity that makes best use of their natural skill, be it creativity, selling, service-provision, people-skills, technical skills, or whatever. Incidentally the above factors are the essential components which make up a basic Profit and Loss Account, which is the primary management tool for a business of any scale and complexity. Here's a free MSExcel profit and loss account template tool for extending these factors and elizabethan and punishment, financials into a more formal phased plan, which also serves as a business forecasting and reporting tool too. If in doubt about this seek some help from an joan of arc experienced business person or your accountant. Adapt it to suit your purposes. Childhood Disorder: Learning Disorder Essay. The example PL trading plan is also available as a pdf. The numbers could be anything - ten times less, ten times more, a hundred times more - the principle is the joan same. company types and financial set up - quick guide. When you have confirmed and refined the basic viability of your business idea you can then begin getting to grips with the more detailed aspects of forming the business itself. This necessarily includes deciding your type of george melies to the business constitution - the legal format of your company - or 'company type' as it is joan witch, often described. The Psychological Contract is increasingly significant within and kite sohrab, relating to business constitution.

Small (UK) businesses are most commonly one of the following: sole-trader - essentially a self-employed owner - no limited personal liability - relatively easy set up and joan, administration. partnership - essentially a group of george melies trip moon self-employed partners/owners - no limited personal liability - easy-ish set up and administration, although ultimately dependent on the complexity of the company and partnership. Joan Of Arc. limited liability partnership (LLP) - as above, except that liability is runner sohrab, limited to personal investments and guarantees. limited company (abbreviated to Ltd after the joan of arc witch company name) - liability is limited to the assets of the elizabethan crime company - registered with Companies House and legally obliged to publish accounts. There are less common variations of joan of arc witch limited companies, and other business structures and constitutions, for example: social enterprise - various structures including , trusts, associations and Disorder:, especially cooperatives - these are not common typical or traditional business structures, but social enterprises are growing in popularity, and will be explained in more detail on this website in witch due course. Meanwhile here is useful information about cooperatives. public limited company (plc) - not appropriate for small companies. Sole-trader and make dreams, partnership companies are very easy to of arc witch, set up and administer, but the true owner/partners are personally liable for all business debts and potential claims, so good insurance cover (including professional indemnity and public liability) is joan of arc, essential especially if business liabilities are potentially serious. A limited liability partnership offers protection to partners in terms of Expressive Disorder personal liabilities, in that liabilities are limited to the extent of personal investment and any other guarantees.

This is considered to be too much personal exposure by many business people, in which case a limited company is the obvious alternative. A limited company exists in its own right - a tricky concept to understand for many people - basically meaning that financial liabilities belong to joan of arc witch, the company (its shareholders, to the value of their shares in other words) rather than the Childhood Expressive Disorder directors and joan of arc, executives of the business, as would apply in a partnership. Melies To The. Limited companies ultimately offer more flexibility for large complex businesses but can be over-complicated and joan of arc, administratively heavy if all you want to do is run a local shop or landscape gardening business or modest training or coaching business. Whatever, consider carefully what type of company framework will suit you best. Ibo Religion. Once established it can be quite difficult to joan, unravel and runner, change if you get it wrong - not impossible, but a nuisance if you could have got it right first time with a bit of extra thought at of arc witch the planning stage.

A good accountant will help you decide what is melies trip moon, best for your situation from a legal and financial standpoint, although before this you should think for yourself what sort of joan of arc witch business structure best fits your wider business situation, and especially your business aims and philosophy. Broad guidelines about ibo religion, business types are available from the UK Government business information Businesslink website. You'll need a business bank account. In fact it is of arc, a legal requirement of all limited companies to have a business bank account. Shop around.

There are wide variations in services and george to the, costs offered by the different banks. You must also understand and organize the tax implications for your type of business. Before starting any business ensure also that you have the information and controls to account for and pay all taxes due. Helpfully to learn more about this in the UK, most tax affairs are within the responsibilities of HM Revenue and Customs - until they too change their name to something very silly. That said, the relevance today of joan of arc HM (Her Majesty's) is a bit puzzling when you stop to think about ibo religion, it and joan of arc witch, surely due for true updating to the modern age. HMRC is another weird example of quirky UK Government departmental names and branding.

God help us all, our country is run by alien wannabe noblemen from the middle ages. VAT (Value Added Tax or your national equivalent) is an joan issue warranting serious thought if your business is small enough to have a choice in the matter. Beyond a certain turnover (?68,000 as at 2010) any UK business must register for VAT. Check the HMRC website for the current position. Being VAT registered means you must charge VAT on all VAT-rated supplies, which means also that the ibo religion VAT you receive on payments from your customers must be paid to HM Revenue and Customs. (No you cannot keep it, even though some accidentally try to, and witch, others think they are entitled to.)

Being VAT registered also enables you to reclaim VAT that you pay on business costs, although there are some notable exceptions, like company cars. Retail and consumer businesses are especially affected by VAT. Private consumers cannot claim back VAT, so the articles the age effect of VAT on pricing and margins needs careful thought in planning any consumer business. Up to a certain level of turnover (in the UK) becoming registered for VAT is optional. If your business turnover is likely to be below the threshold for mandatory VAT registration, you must decide for yourself if the advantages outweigh the disadvantages. Joan. The main advantages of VAT registration are: your business will be perceived by the age, certain people - especially other businesses - to be larger and more credible (not being registered for VAT indicates immediately that your turnover is below the VAT threshold) you will be able to reclaim VAT that you are charged on legitimate allowable business costs. The main disadvantages of being VAT registered are: the administrative burden in keeping VAT records and submitting VAT returns (although this has been enormously simplified in recent years so that for small simple businesses it is really not a problem at all) risks of getting onto cashflow difficulties if you fail to set funds aside to pay your VAT bills (see the tax tips below) Information about witch, VAT (and all other tax issues) is at the UK Government HM Revenue and Customs website: http://www.hmrc.gov.uk. VAT is not the elizabethan only tax.

Taxes are also due on company profits (sole-traders or partnerships profits are taxed via personal earnings of the sole-trader or partners) and on staff salaries (national insurance). A sole-trader or partnership can employ staff, in which case national insurance tax is due on salaries paid to employees, which is different to joan of arc witch, the tax that employees pay themselves. Failing to retain funds in a company to pay taxes is a serious problem that's easily avoided with good early planning. Contact your tax office. Come True. Inform them of your plans and seek their help. Tax offices are generally extremely helpful, so ask.

You can even talk to a real person on the phone without having to breach a six-level automated menu system. Ideally find a decent accountant too. Preferably one who comes recommended to you. Witch. With all the melies moon greatest respect to accountants everywhere, accountants are quite commonly very intense people, like solicitors and scientists, very much focused on process, accuracy, rules, etc., which in terms of personality fit can be a little at odds with the style of of arc many entrepreneurs. So again shop around and find an accountant with whom you can share a joke and a beer or something from the human world.

The relationship between a business person and his/her accountant is crucial if the business is to grow and develop significantly. Accountants might seem at times to be from Expressive Essay another planet, but I can assure you the good ones are bloody magicians when it comes to of arc witch, business development, especially when the figures get really interesting. Articles. The statement that one stroke of an accountant's pen is mightier than the of arc witch world's most successful sales team, is actually true. For many entrepreneurs, the ideal scenario is to grow your business large enough to support the cost of a really excellent finance director, who can take care of all the detailed legal and financial matters for you, and leave you completely free to Childhood, concentrate on growing the business - concentrating your efforts and ideas and joan witch, strategy externally towards markets and customers, and internally towards optimizing innovation and your staff. See the quick tax tips below, especially for small businesses which might not easily be able to achieve immediate and accurate control of their tax liabilities, which is one of the major early risks for ibo religion a new successful small business. tax tips - understanding and accounting for taxes from the start. A significant potential problem area for newly self-employed people, and for new business start-ups, is failing to budget and save for inevitable taxes which arise from your business activities. N.B. These tips are not meant to be a detailed comprehensive guide to business taxation.

This section merely addresses a particular vulnerability of new start-up businesses in failing to set aside sufficient reserves to meet tax liabilities, especially small businesses, and even more especially sole-traders and partnerships and witch, small limited companies, which lack expertise in accounting and consequently might benefit from sohrab these simple warnings and tips related to tax liabilities. In general these issues would normally be managed via a cashflow forecast, together with suitable financial processes to allocate and make payments for all costs and joan of arc witch, liabilities arising in the course of Disorder: Learning Disorder trading. I recognise however that many small business start-ups do not begin with such attention to financial processes, and it's primarily for those situations that these particular notes are provided. These notes in no way suggest that this is the normal fully controlled approach to planning and organizing tax liabilities and other cashflow issues within any business of significant scale. This is simply a pragmatic and of arc witch, practical method aimed at averting a common big problem affecting small business start-ups. While your type of persuasive company and business determines precisely which taxes apply to you, broadly taxes are due on joan of arc, sales (for VAT registered businesses in the UK, or your VAT equivalent if outside the Childhood Disorder: Disorder UK), and on joan of arc, the profits of dreams your business and witch, your earnings.

If you employ staff you will also have to elizabethan crime and punishment, pay national insurance tax on employees' earnings too. Generally sole-traders and joan of arc witch, partnerships have simpler tax arrangements - for example, profits are typically taxed as personal earnings - as compared with the more complex taxes applicable to limited companies, which also pay taxes on company profits and ibo religion, staff salaries. Whatever, you must understand the tax liabilities applicable to joan of arc witch, your situation, and budget for them accordingly. You must try to seek appropriate financial advice for crime your situation before you commence trading. Indeed understanding tax basics also helps you decide what type of company will best suit your situation, again, before you begin trading.

The potential for nasty financial surprises - notably tax bills that you have insufficient funds to pay - ironically tends to increase along with your success. Of Arc Witch. This is elizabethan, because bigger sales and joan, profits and earnings inevitably produce bigger tax bills (percentage of tax increases too in the early growth of a business), all of which becomes a very big problem if you've no funds to pay taxes when due. The risks of getting into difficulties can be greater for the self-employed and small partnerships which perhaps do not have great financial knowledge and experience, than for larger Limited Company start-ups which tend to have more systems and support in ibo religion financial areas. Start-ups are especially prone to tax surprises because the joan of arc witch first set of kite runner tax bills can commonly be delayed, and if you fail to of arc, account properly for all taxes due then obviously you increase the chances of spending more than you should do, resulting in not having adequate funds to cover the payments when they are due. Risks are increased further if you are new to self-employment, previously having been employed and accustomed to receiving a regular salary on which all taxes have already been deducted, in ibo religion other words 'net' of of arc witch tax. It can take a while to dreams come true, appreciate that business revenues or profits have no tax deducted when these earnings are put into your bank account; these amounts are called 'gross', because they include the tax element. Therefore not all of joan of arc witch your business earnings belong to you - some of the money belongs to Disorder: Learning Disorder, the taxman. It's your responsibility to of arc witch, deduct the the age taxes due, to set this money aside, and to pay the tax bills when demanded.

Additionally, if you are a person who is in joan witch the habit of spending everything that you earn, you must be even more careful, since this tendency will increase the risks of your being unable to ibo religion, pay your taxes. Failing to get on of arc witch, top of the reality of articles taxes from the very beginning can lead to serious debt and cashflow problems, which is a miserable way to run a business. So you must anticipate and set aside funds necessary to meet your tax liabilities from the very start of your business, even if you do not initially have a very accurate idea of what taxes will be due, or you lack effective systems to calculate them - many small start-ups are in this position. Nevertheless it is too late to start thinking about tax when the joan first demands fall due. If when starting your business you do not have information and make true, systems to identify and account accurately for your tax liabilities, here are two simple quick tax tips to of arc, avoid problems with the taxman: You must estimate your tax liabilities and Expressive Learning, ensure that you set aside funds to cover these liabilities while you are banking your payments received into the business. The easiest way to do this is to identify the taxes applicable to your business, for example VAT and your own personal income tax and national insurance.

Identify the percentages that apply to joan of arc witch, your own situation and earnings levels. You can do this approximately. It does not need to be very precise. Add these percentages together, and then set aside this percentage of all your earnings that you receive into your business. Put these monies into a separate savings account where you can't confuse them with your main business account, i.e., your 'working capital' typically held in a current account. Always over-estimate your tax liabilities so as to set aside more than you need. Kite. Having a surplus is not a problem. Having not enough money to pay taxes because you've under-estimated tax due is a problem; sometimes enough to kill an otherwise promising business. Here's an joan of arc witch example to show how quickly and easily you can plan and set aside a contingency to runner sohrab, pay your tax bills, even if you've no experience or systems to calculate them precisely. This example is joan of arc, based on a self-employed consultancy-type business, like a training or coaching business, in which there are no significant costs of sales (products or services bought in) or overheads, i.e., revenues are effectively the trip profits too, since there are minimal costs to offset against profits: example of estimating and setting aside money to pay taxes. 1. In the witch UK VAT on most products and services is 17.5%.

This equates (roughly) to 15% when calculating the VAT element within a VAT-inclusive amount. This means that you can set aside 15% of george your revenues and reliably be sure of covering your VAT liabilities. 2. In the UK personal income tax and of arc witch, national insurance combined is roughly 30% of earnings up to about ?30,000 (a little over in fact), rising to kite, 49% - call it 50% - of earnings above ?30k - roughly. N.B. Income tax and national insurance are calculated on taxable earnings, which exclude money spent on legitimate business costs, and VAT received. These figures in of arc witch the above example are approximate I emphasise again, which is Disorder:, all you need for this purpose, moreover the approximations are on the high side of what the joan of arc precise liabilities actually are. Accountants call this sort of thinking 'prudent'. It's a pessimistic approach to forecasting liabilities rather than optimistic, which is fundamental to good financial planning and management: if the pessimism is wrong then you end up with a surplus (which is good), but if you are wrong in Childhood Disorder making optimistic forecasts and estimates (over-ambitious sales, and lower-than-actual costs and liabilities), then you run out of money (which is bad). Back to the percentages.. Knowing the income tax percentages enables you to set aside a suitable percentage of your earnings when you receive them into the business.

Roughly speaking, for earnings up to ?30k you need to set aside 30% to cover income tax and joan of arc witch, national insurance. For earnings over the age ?30k you need to set aside 50% to cover your income tax and national insurance. (Earnings below ?30k remain taxable at 30%). Remember you can arrive at of arc witch these figures based on the VAT exclusive revenues, but to articles the age, keep matters simpler it is easier to use an adjusted total percentage figure to apply to the total gross earnings. If it's kept very simple and quick you'll be more likely to joan witch, do it - and/or to communicate the method effectively to your partner if they are responsible for handling the and punishment financials, as often happens. Given this example, if in your first year your gross revenues (banked payments received) are say ?50,000, assuming you are VAT registered, then your tax liabilities will be (roughly): From this example you can see that setting aside 45.5% of earnings (yes it's a lot isn't it - which is why you need to anticipate it and set the money aside) would comfortably cover VAT and income tax liabilities. To be extra safe and witch, simpler in this example you could round it up to 50%. The tax liability will obviously increase with increasing revenues - and in percentage terms too regarding personal income tax, since more earnings would be at the higher rate. You must therefore also monitor your earnings levels through the year and adjust your percentage tax contingency accordingly.

As stated already above, the risk of under-estimating tax liabilities increases the more successful you are, because tax bills get bigger. In truth you will have some costs to offset against the earnings figures above, but again for the purposes of establishing a very quick principle of saving a fixed percentage as a tax reserve until you know and can control these liabilities more accurately, the above is a very useful simple easy method of initially staying solvent and on top of make dreams come true your tax affairs, which are for of arc witch many people the most serious source of nasty financial surprises in successful start-up businesses. The above example is very simple, and runner sohrab, is provided mainly for small start-up businesses which might otherwise neglect to provide for tax liabilities. The figures and percentages are not appropriate (but the broad principle of forecasting and providing funds for tax liabilities is) to apply to retail businesses for example, or businesses in of arc which staff are employed, since these businesses carry significant costs of sales and overheads, which should be deducted from revenues before calculating profits and taxes liabilities. Runner. Neither does the example take account of the various ways to reduce tax liabilities by reinvesting profits in the business, writing off stock, putting money into witch pensions, charitable donations, etc. A third tip is - in fact it's effectively a legal requirement - to inform your relevant tax authorities as soon as possible about your new business.

Preferably do this a few weeks before you actually begin trading. That way you can be fully informed of the tax situation - and your best methods of dealing with tax, because there are usually different ways, and sometimes the differences can be worth quite a lot of money. I do not go into more detail about tax here because it's a very complex subject with wide variations depending on your own situation, for which you should seek relevant information and advice from a qualified accountant and/or the relevant tax authorities. template and kite sohrab, structure for a feasibility study or project justification report. First, and importantly, you need to clarify/confirm the criteria that need to be fulfilled in order to justify starting or continuing the joan of arc witch project or group, in other words, what do the Childhood Disorder: Expressive decision-makers need to see in order to joan of arc, approve the project or its continuation ? Then map these crucial approval criteria into the following structure. Articles. In other words, work through the of arc witch following template structure according to, and orientated as closely as you can to, the approval criteria . (These points could effectively be your feasibility study or report justification structure, and melies trip, headings.) past, present and particularly future ('customer') need (for the outputs/results produced by group or project) benefits and joan, outcomes achieved to date for what cost/investment benefits and outcomes to be produced in the future resources, costs, investment , etc., required to produce future required outcomes and benefits (identify capital vs revenue costs, i.e., acquisition of dreams come true major assets and ongoing overheads) alternative methods or ways of satisfying needs, with relative cost/return (return on investment) comparisons (ie., what other ways might there be for satisfying the need if the joan of arc witch group or project doesn't happen or ceases?) outline strategy and financial plan , including people, aims, philosophy , etc (ideally tuned to meet the kite runner sohrab authorising power's fulfilment criteria) for proposed start or continuation of of arc project (assuming you have a case, and assuming there is no better alternative) Keep it simple.

Keep to the facts and figures. Provide evidence. Make Come True. Be clear and concise. Refer to the tips about witch, effective writing. If possible present your case in person to the decision-makers, with passion, calm confidence and style. Look at the tips on presentations, and assertiveness. tips on finding and working with business planning advisors and consultants. If you need help putting together a business plan, and elizabethan, if you want to get the best from the engagement, it's important to find the right person to work with, and to establish and maintain a good working relationship with them. If you are great big organisation you'll probably not need to work with outsiders, and if you do then you'll probably opt for a great big supplier, however there are significant benefits from working with much smaller suppliers - even single operators - and if you are a small business yourself, then this is probably the best choice anyway: to witch, seek a good single operator, or small partnership of experts. Here are some ideas of what to look for. You'll be best finding someone who meets as much of this criteria as possible: lives close-by you so you can work face-to-face with them and get to know each other properly, and so that their time is Childhood Disorder: Disorder, efficiently used, instead of being in traffic on their way to joan, and from your place is high integrity and very discreet is grown-up and got no baggage or emotional triggers - wise and persuasive articles, mature - and it needn't be an age thing can help you see and decide where and how you want to joan, take the business, rather than tell you where he/she thinks you need to kite runner, go - a mentor not an instructor understands or can immediately relate to your industry sector and type of work is experienced working with small family companies, but is also a big picture strategist and joan witch, visionary (advisors who've only ever worked with big corporations can sometimes be a bit free and easy with relatively small amounts of money - you need someone with a very very practical approach to ibo religion, managing cash-flow, and real business realities, who've worked in situations without the protection of vast corporate bureaucracy and the lack of witch transparency that this often brings) is triple-brained or whole-brained - mostly front-brained - (see the ibo religion stuff on joan, Benziger) - intuitive-creative, thinking, but also able to be personable and come, grounded, subject to the point below complements your own strengths and fills the gaps and weaknesses in joan your collective abilities (again see the stuff on elizabethan crime and punishment, Benziger and Jung etc) - ie., if collectively you need hard facts and figures and logic then seek people with these strengths - conversely if you are strong on all this, then seek the creative humanist ethical strengths - he/she must work with you in a balanced team - so that the team has no blind spots, and no subjective biases in style or emphasis has two or three referees you can talk to and see evidence of past work (although if you check most of the above it will be a formality) doesn't smoke or drink too much isn't desperate for the work.

As regards finding someone like this, without doubt the most reliable and quickest method is by networking introductions through trusted people. The person you seek might be three or more links away, but if it's a friend or associate of someone trusted, by someone who's trusted, by of arc, someone you trust, then probably they'll be right for sohrab you. Start by talking to people you know and asking if they know anyone, or if they know anyone who might know anyone - and take it from there. The chances of finding the right person in the local business listings or directory, out of the blue and from cold, are pretty remote. Replying to adverts and marketing material from consultants is a lottery too. Of Arc. You'll find someone eventually but you'll need to Childhood Expressive Learning, kiss a lot of frogs first, which takes ages and is not the cleverest way to spend your valuable time. For something so important as business planning advice or consultancy use referrals every time.

Referrals work not only because you get to find someone trusted, but the person you find has a reasonable assurance that you can be trusted too, you see: good suppliers are just as choosy as good clients. It works both ways. Be prepared to of arc, reward the person in whatever way is appropriate and fair (I'm thinking percentage share of incremental success beyond expectations - perhaps even equity share if the person is elizabethan and punishment, really good and you'd value their on-going contribution and help). Often the best people won't ask for much money up front at of arc witch all, but from kite runner sohrab your point of view you will attract a lot more commitment and work beyond the joan of arc witch call of normal duty from them if you reward higher than they ask or need. Good suppliers are immensely motivated by good clients and lots of appreciation, even if they don't want the persuasive financial reward. Good suppliers have usually seen too many ungrateful greedy people taking them for granted and joan witch, penny pinching, and will tend to kite, sack clients like these without even telling them why, and move on joan of arc, to more deserving enjoyable work with people who are fair and appreciative, which is how you'll be I'm sure.

Finally, when you've found the right person, always continually agree expectations and invite feedback about how the relationship is working, not just how the work is going. starting your own business - or starting any new business. These are the Childhood Expressive Learning simple rules for planning and starting your own business. The principles also apply to planning and starting a new business within an joan witch organisation for someone else. In amongst the distractions and details of new business planning, it is important to keep sight of the basic rules of new business success: Your successful new business must offer something unique that people want. Uniqueness is vital because otherwise there is kite runner sohrab, no reason for customers to buy from you. Anyone can be or create a unique business proposition by thinking about witch, it clearly. Uniqueness comes in all shapes and sizes - it's chiefly being especially good and different in a particular area, or field or sector.

Uniqueness can be in a product or service, or in a trading method, or in runner sohrab you yourself, or any other aspect of your business which makes what you are offering special and appealing to people. You will develop your own unique offering first by identifying what people want and which nobody is providing properly. Second you must ensure that your chosen unique offering is also an of arc witch extension of your own passion or particular expertise or strength - something you will love and enjoy being the best at - whatever it is. Every successful business is built on someone's passion. new business start-ups by crime and punishment, older people. If you already have a career behind you, and you wonder if you've got it in you to compete and succeed in the modern world, consider this.

First - you have definitely got it in you to of arc witch, succeed. Experience and runner, wisdom are fundamental building blocks of success, and joan, will be for you from the moment you start looking at articles the age yourself in this way. The reassuring wisdom that older people generally possess is extremely helpful in forming trusting relationships - with customers, suppliers, partners, colleagues, etc - which are essential for good business. Added to this, as we get older we have a greater understanding of our true passions and capabilities; we know our strengths and joan of arc, styles and tolerances. This gives older people a very special potency in business. Childhood Disorder: Learning Essay. Older people know what they are good at. Joan Of Arc Witch. They play to their strengths. George Melies To The Moon. They know which battles they can win, and which to avoid. Older people are also typically better at handling change and adapting to new things than younger people. This is because older people have had more experience doing just this. Adapting to change and joan of arc witch, working around things are significant capabilities in achieving new business success.

If you are an older person considering starting a new business, think about the things you can do better than most other people - think about your strengths and melies trip to the, use them. business start-ups for younger people. Younger people can be very successful starting new businesses just as much as older people can be. The essential principle of of arc witch playing to your strengths applies, although the implications are different for younger people compared to older people. Younger people are likely to crime and punishment, have lots of of arc fresh ideas. This is an advantage, so avoid people pour cold water on them.

Test your ideas on potential customers, rather than to take advice from those people who are ready with their buckets of kite sohrab water. Next, get the help you need. It's difficult for young people to know all the of arc answers. You'll have the persuasive articles the age ideas and witch, the energy to make things happen, but consider the gaps in your experience, and the age, the things you don't enjoy doing, and seek good quality reliable help for these things. Getting good help at what you can't do or don't want to joan, do will enable you to put all your energy into what you are good at and what you want to spend your time doing.

Young people sometimes try to force themselves to fit into ibo religion roles or responsibilities that are not comfortable or natural. This is de-stabilising and stressful. Learn what you love and excel at, and focus on building success from this. Which brings us back to playing to your strengths. All successful businesses (and people who become successful working for others) are based on the person using personal strengths and pursuing personal passions. Success in business is always based on doing something you love and enjoy, which is fundamentally related to your natural strengths and unique personal potential, whatever that is. The sooner you identify these things in yourself, the sooner will build sustainable business success. planning business success - in summary. Spreadsheets, mission statements, planning templates and other process elements of joan witch new business creation and development are tools. They enable the business to be properly structured, started and run.

They are essential of course, but in themselves they don't determine success. Business success is determined by deeper factors. Increasingly business success depends on elizabethan and punishment, having a solid philosophical foundation - where relevant interests, inside and outside of the organization, are balanced rather than conflicting. The bigger the joan business, the more widely it must consider how it relates to external interests and responsibilities - to society and the world at large. A business with this sort of melies harmony and of arc, balance built into its shape and principles at the outset has a huge advantage over a business which contains tensions and competing pressures. Within these considerations, relationships - as explained by the Psychological Contract - are crucially important in every business. Businesses ultimately depend on people, and people depend on relationships.

Aside from this - and without diminishing the significance of other vital business components such as reliability, value, quality, etc., which are necessary merely to survive at a basic level - uniqueness and passion are the the age remaining special ingredients for success: Uniqueness (just one word, with so many implications) - so that people will want what you offer, and Passion, so that you will enjoy being and offering your best - and so that this belief and commitment conveys to witch, others.

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Action Verbs #8212; By Skills Categories. Remember to use the below action verbs when describing your skills and joan of arc witch accomplishments in a resume or cover letterby doing so, you’ll maximize the persuasive effectiveness of your accomplishments, and make potential employers take notice. Be sure to use these action verbs in their proper context. Joan Of Arc Witch! Always use action verbs in george trip to the moon, the past tense when describing responsibilities and accomplishments from a previous job . Joan! Here’s an example: Trained, led, and supervised a team of content editors in the development, structuring, and writing of online classes. Always use action verbs in the present tense when describing responsibilities and accomplishments in a current job . Remember, these are leads words that start off each descriptive bullet point of a job description. Elizabethan! Train, lead, and supervise a team of content editors in the development, structuring, and writing of online classes. Addressed Advertised Arbitrated Arranged Articulated Authored Clarified Collaborated Communicated Composed Condensed Conferred Consulted Contacted Conveyed Convinced Corresponded Debated Defined Developed Directed Discussed Drafted Edited Elicited Enlisted Explained Expressed Formulated Furnished Incorporated Influenced Interacted Interpreted Interviewed Involved Joined Judged Lectured Listened Marketed Mediated Moderated Negotiated Observed Outlined Participated Persuaded Presented Promoted Proposed Publicized Reconciled Recruited Referred Reinforced Reported Resolved Responded Solicited Specified Spoke Suggested Summarized Synthesized Translated Wrote. Acted Adapted Began Combined Composed Conceptualized Condensed Created Customized Designed Developed Directed Displayed Drew Entertained Established Fashioned Formulated Founded Illustrated Initiated Instituted Integrated Introduced Invented Modeled Modified Originated Performed Photographed Planned Revised Revitalized Shaped Solved. Administered Adjusted Allocated Analyzed Appraised Assessed Audited Balanced Budgeted Calculated Computed Conserved Corrected Determined Developed Estimated Forecasted Managed Marketed Measured Netted Planned Prepared Programmed Projected Qualified Reconciled Reduced Researched Retrieved Slashed Sliced.

Adapted Advocated Aided Answered Arranged Assessed Assisted Clarified Coached Collaborated Contributed Cooperated Counseled Demonstrated Diagnosed Educated Encouraged Ensured Expedited Facilitated Familiarized Furthered Guided Helped Insured Intervened Motivated Prevented Provided Referred Rehabilitated Represented Resolved Simplified Supplied Supported Volunteered. Administered Analyzed Appointed Approved Assigned Attained Authorized Chaired Considered Consolidated Contracted Controlled Converted Coordinated Decided Delegated Developed Directed Eliminated Emphasized Enforced Enhanced Established Executed Generated Handled Headed Hosted Improved Incorporated Increased Initiated Inspected Instituted Led Managed Merged Motivated Navigated Organized Originated Overhauled Oversaw Planned Presided Prioritized Produced Recommended Reorganized Replaced Restored Reviewed Scheduled Secured Selected Streamlined Strengthened Supervised Terminated. Approved Arranged Catalogued Categorized Charted Classified Coded Collected Compiled Corrected Corresponded Distributed Executed Filed Generated Incorporated Inspected Logged Maintained Monitored Obtained Operated Ordered Organized Prepared Processed Provided Purchased Recorded Registered Reserved Responded Reviewed Routed Scheduled Screened Submitted Supplied Standardized Systematized Updated Validated Verified. Analyzed Clarified Collected Compared Conducted Critiqued Detected Determined Diagnosed Evaluated Examined Experimented Explored Extracted Formulated Gathered Inspected Interviewed Invented Investigated Located Measured Organized Researched Reviewed Searched Solved Summarized Surveyed Systematized Tested. Of Arc! Adapted Advised Clarified Coached Communicated Conducted Coordinated Critiqued Developed Enabled Encouraged Evaluated Explained Facilitated Focused Guided Individualized Informed Instilled Instructed Motivated Persuaded Simulated Stimulated Taught Tested Trained Transmitted Tutored. Orlando Haynes is an author, speaker, CEO, and persuasive articles founder of The Inside Recruiter LLC, a full service career coaching company with one mission: #8220;Taking you from the job seeker to the sought after.#8221; The Inside Recruiter offers a wide array of career enhancement services, including resume writing, interview coaching, job search assistance, career workshops, and much more. Orlando brings 14 years of experience and insider knowledge to joan, the game, and is ready to help job seekers realize their career goals and articles dreams.

Learn more here. Building Tools That Build Better Work Lives. Of Arc Witch! Since 2005, LiveCareer’s team of career coaches, certified resume writers, and savvy technologists have been developing career tools that have helped over runner 10 million users build stronger resumes, write more persuasive cover letters, and joan witch develop better interview skills. Use our free samples, templates, and kite runner sohrab writing guides and joan witch our easy-to-use resume builder software to help land the Learning job you want. Dr. Randall S. Hansen. Dr.

Randall S. Of Arc Witch! Hansen is founder of Quintessential Careers, one of the george melies trip to the moon oldest and joan of arc witch most comprehensive career development sites on the Web, as well CEO of EmpoweringSites.com. He is also founder of MyCollegeSuccessStory.com and EnhanceMyVocabulary.com. He is publisher of Quintessential Careers Press, including the crime and punishment Quintessential Careers electronic newsletter, QuintZine. Dr. Hansen is joan of arc witch also a published author, with several books, chapters in books, and come hundreds of joan, articles. He’s often quoted in the media and conducts empowering workshops around the country. Trip To The Moon! Finally, Dr. Hansen is also an educator, having taught at the college level for more than 15 years. Visit his personal Website or reach him by email at randall@quintcareers.com. Joan Of Arc Witch! Check out kite, Dr. Hansen on GooglePlus.

I AM A CAREER CHANGER This page is joan your key source for Expressive Learning, all things career-change related. Of Arc! You#8217;ll find some great free career-change tools and resources. Changing careers can be traumatic, especially if you have been in Childhood, your current career for a long time, but you do not have to go through the joan witch process alone or [] Quintessential Careers: Career and Job-Hunting Blog. Quintessential Careers: Career and Job-Hunting Blog Career and job-search news, trends, and scoops for job-seekers, compiled by the staff of ibo religion, Quintessential Careers.The Quintessential Careers Blog has moved!! These pages remain as an archive of our previous blog posts. Witch! Please check out the new and persuasive improved Quintessential Careers Blog for Job-Seekers and joan Careerists. Interview Advice Job [] The Quintessential Directory of ibo religion, Company Career Centers.

The Quintessential Directory of joan of arc, Company Career Centers Where job-seekers can go directly to articles, the job/career/employment section of a specific employer#8217;s Website.Because more and more companies are developing career and witch employment centers on Disorder: Disorder Essay their corporate Websites, Quintessential Careers has developed this directory, which allows you to go straight to the career and employment section of the [] Quintessential Careers: I am a Career Coach or Counselor. The Quintessential Directory of Company Career Centers Where job-seekers can go directly to of arc witch, the job/career/employment section of a specific employer#8217;s Website.Because more and more companies are developing career and employment centers on their corporate Websites, Quintessential Careers has developed this directory, which allows you to make dreams true, go straight to the career and of arc employment section of the [] Mighty Recruiter Mighty Recruiter. Kite Sohrab! Customer Service Customer Service. 800-652-8430 Mon- Fri 8am - 8pm CST. Sat 8am - 5pm CST, Sun 10am - 6pm CST Stay in touch with us.

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Downsizing the Federal Government. Your Guide to of arc Cutting Federal Spending. The Federal Emergency Management Agency: Floods, Failures, and Federalism. The Federal Emergency Management Agency (FEMA) is the lead federal agency for disaster preparedness, response, and relief. FEMA’s budget fluctuates from year to year, but spending has trended sharply upwards in recent decades.

The agency spent $22 billion in kite runner sohrab fiscal 2013 and $10 billion in fiscal 2014. The main activity of FEMA is of arc, distributing aid to individuals and state and Learning Disorder Essay local governments after natural disasters, such as hurricanes, floods, and joan of arc earthquakes. In addition, the agency provides ongoing grants to the states for disaster preparedness, and it operates the National Flood Insurance Program (NFIP). FEMA’s response to some major disasters has been slow, disorganized, and persuasive the age profligate. The agency’s actions have sometimes been harmful, such as when it has blocked the joan of arc, relief efforts of other organizations.

FEMA’s dismal response to Hurricane Katrina in Childhood Disorder Essay 2005 dramatized the joan, agency’s bureaucratic dysfunction. FEMA’s grants for disaster preparedness are known for wastefulness. As for the NFIP, its insurance subsidies are spurring development in flood-prone areas, which in turn is increasing the damage caused by floods. Childhood Disorder: Expressive Learning! The NFIP also encourages an expansion of joan of arc, federal regulatory control over local land-use planning. Federalism is supposed to undergird America’s system of dreams true, handling disasters, particularly natural disasters. State, local, and private organizations should play the dominant role. Looking at American history, many disasters have generated large outpourings of aid by individuals, businesses, and charitable groups.

Today, however, growing federal intervention is undermining the role of private institutions and of arc witch the states in handling disasters. Policymakers should reverse course and begin cutting FEMA. Ultimately, the agency should be closed down by ending aid programs for disaster preparedness and relief and privatizing flood insurance. President Jimmy Carter created the Federal Emergency Management Agency (FEMA) by executive order in 1979 to coordinate the government’s growing involvement in disasters. Among federal agencies, FEMA has the crime and punishment, lead role in helping communities respond to of arc both natural and crime man-made disasters. However, the of arc witch, great bulk of george melies trip to the, FEMA spending is for natural disasters, which are the main focus of this essay.

Aside from disaster relief, FEMA provides ongoing aid to the states for emergency preparedness, and joan of arc witch it operates the National Flood Insurance Program. FEMA employees are generally not first responders. Elizabethan Crime! Instead, their main role is witch, providing financial aid to crime state and joan local governments and individuals. FEMA spent $10 billion in fiscal 2014, but annual expenditures fluctuate depending on the occurrence of disasters. 1 Spending has trended upwards in recent decades as federal aid packages have become larger and more frequent. Kite Runner! Annual average FEMA spending was $0.7 billion in joan of arc the 1980s, $2.8 billion in the 1990s, $13 billion in dreams the 2000s, and $13 billion so far in the 2010s. Since 2000, 61 percent of joan witch, FEMA spending has been for disaster relief, 20 percent has been for ongoing grants to state and local governments, and make dreams 12 percent has gone to the NFIP. 2 The remaining 7 percent has gone to joan witch other programs and make administrative costs.

Prior to the mid-20th century, federal involvement in disasters was generally limited to the activities of the joan witch, U.S. military, which provided relief after some major disasters. There was very little civilian federal involvement in disasters, which were the responsibility of state and local governments and the private sector. Kite Sohrab! But since the joan, 1950s, federal intervention has grown as numerous laws have expanded the scope of Childhood Disorder: Expressive Learning Essay, federal authority and as policymakers have increased spending. Nonetheless, the federal role is still supposed to be very limited under current law. Under the 1988 Stafford Act, the joan witch, federal government is supposed to get involved in melies moon disasters only if they are of “such severity and magnitude that effective response is beyond the capabilities of the state and of arc witch the affected local governments.” 3 A very limited federal role is appropriate under the American system of federalism. State and dreams come true local governments and the private sector should fund disaster preparedness and relief for disasters by themselves, unless it is truly beyond their capabilities. And even then, states hit by disasters can rely on aid from other states. Federal involvement is appropriate when it has unique capabilities to offer. Of Arc! The Coast Guard’s search and rescue operations are often vital after hurricanes.

And the sohrab, National Guard under state command can provide a crucial resource after major disasters, both for law enforcement purposes and relief operations. Other federal agencies have unique resources to deal with threats such as terrorism, pandemics, and chemical and of arc witch biological attacks. However, the great majority of what FEMA does is dreams come, not unique. Joan Of Arc! Rather, FEMA’s main role is simply to Childhood Disorder: Expressive Essay transfer money from federal taxpayers to state and local governments and individuals for disaster-related costs. Joan! But there are few, if any, advantages in funding these costs from the elizabethan crime, federal level, and there are many disadvantages, as this study discusses. The first section provides a brief history of disaster response in witch the United States. The next section discusses the Childhood Disorder: Learning, threat posed by the rising federalization of disaster preparedness, response, and relief. Federal policymakers are increasingly ignoring the witch, Stafford Act limit, which could undermine the effectiveness of the ibo religion, nation’s disaster response system. Then the of arc, study examines FEMA’s performance in disaster response. The agency’s efforts have often been plagued by poor decisionmaking, wasteful spending, and ibo religion excessive bureaucracy.

Some of its actions have been counterproductive and harmful. FEMA’s confused response to Hurricane Katrina was a prime example of the dysfunction that the joan of arc witch, agency has become known for. Next, the study looks at FEMA’s ongoing grants to state and local governments for disaster preparedness, which are mainly grants for local emergency services. These grants have often wasted money on low-value activities. It is more efficient to fund local emergency services—such as fire and police—locally. Lastly, the study examines the National Flood Insurance Program (NFIP).

For decades, the NFIP has been subsidizing development in flood-prone areas, which has ended up putting more property at risk and exacerbating the damage from floods. The NFIP has also undermined federalism by increasing federal regulation of local land-use planning. The essay concludes that policymakers should end FEMA aid for disaster preparedness, response, and relief. They should repeal the NFIP and move flood insurance to the private sector. Those reforms would reduce FEMA spending by more than 90 percent. Remaining activities that may fulfill a unique role—such as flood mapping, planning for the continuity of government, and preparedness for technological and radiological hazards—should be moved to other federal agencies. With these reforms, FEMA should be closed down. Since the 19th century, the federal government through the U.S. military has occasionally provided aid after major disasters. Persuasive The Age! 4 Until the mid-20th century, however, civilian federal aid for disasters was rare. After some disasters, Congress passed specific relief legislation, but many times it did not.

Relief bills were often blocked because policymakers did not believe that aid was a proper role for the federal government. 5 Between 1803 and 1947, Congress passed legislation just 128 times to either express sympathy for victims of particular disasters or to provide some modest aid. 6. In 1802 Portsmouth, New Hampshire, was destroyed by a fire. Fortunately, a large number of private donations totaling more than $45,000 poured in from around the country to help rebuild the town. 7 Congress provided aid in the form of of arc, temporarily suspending duties owed to the federal government by merchants in Learning Essay the town. 8 Duties on Portsmouth trade were an important source of federal revenues, so the government had an joan of arc, interest in allowing the merchants to Expressive get back on their feet. In 1812 Congress provided $50,000 for aid to victims of an earthquake in the new republic of Venezuela, apparently for foreign policy reasons. 9. In 1815 Congress passed the New Madrid Relief Act, which provided aid to rural Missourians after a series of earthquakes.

The aid bill led to dissention and scandal. Joan Of Arc! The act allowed victims in Missouri to exchange their damaged properties for certificates to acquire land elsewhere. But outside speculators descended on the area to buy land at and punishment, bargain prices from owners who had not yet heard about the federal relief. At the same time, some owners who knew about the relief sold title to their land to multiple different speculators. Joan Witch! The resulting unfairness of the process led to large amounts of kite runner, litigation, which took decades to resolve. 10. In 1827 Congress gave $20,000 in aid to Alexandria, Virginia, after a major fire. Even though the town was part of the District of Columbia at the time, many members of Congress questioned the joan, constitutionality of providing public money to ibo religion aid private individuals. 11.

In 1835 the Great Fire of Manhattan razed 674 buildings over 50 acres in New York City. Of Arc! Congress passed legislation temporarily suspending payments owed to the federal government by the city’s affected merchants. 12. In 1871 the Great Chicago Fire left about 300 people dead and 90,000 homeless. Dreams Come True! The U.S.

Army helped to restore order and provide security until the city got back on its feet. 13 Within days of the disaster, huge amounts of aid from individuals, charitable groups, businesses, and other cities poured in from around the nation and abroad. 14 Chicago rebuilt very quickly. Of Arc Witch! The private organization Chicago Relief and Aid Society played the sohrab, dominant role in coordinating the huge relief efforts. 15 The effective efforts of the Society were based on the organization’s deep roots in the local community and its skilled leadership by experienced business people. In 1878 Congress passed the Posse Comitatus Act, which has had important implications for the federal role in disasters. The Act generally bars military forces under federal command from being used for civilian law enforcement purposes. 16 Under current law, federal military personnel may be used for disaster relief operations at the request of a state, but not for of arc law enforcement. 17 By contrast, National Guard units under the ibo religion, command of state governors are available to aid in law enforcement in disaster situations, as they were after Hurricane Katrina when the of arc witch, New Orleans police force collapsed.

In 1887 President Grover Cleveland famously vetoed a bill that would have provided $10,000 in aid to drought-stricken Texas farmers because of his concerns about constitutional federalism. Runner! In his veto message, Cleveland said, I can find no warrant for such an appropriation in of arc witch the Constitution; and and punishment I do not believe that the power and of arc witch duty of the General Government ought to be extended to crime the relief of individual suffering which is in no manner properly related to the public service or benefit. A prevalent tendency to disregard the limited mission of this power and duty should, I think, be steadily resisted, to the end that the joan witch, lesson should be constantly enforced that, though the people support the melies, Government, the Government should not support the joan, people.” 18. In 1906 San Francisco was struck by a massive earthquake and ibo religion fire that destroyed 80 percent of the city and killed about 3,000 people. 19 At least 225,000 people out of about 400,000 in the city were left homeless, and 28,000 buildings were wrecked. 20.

The San Francisco earthquake is remembered not just for the terrible destruction it caused, but also for the remarkably rapid rebuilding of the of arc, city. More than 200,000 residents initially left the city, but the population recovered to Childhood Disorder: Expressive Learning Disorder Essay pre-quake levels within just three years, and residents quickly rebuilt about 20,000 buildings. 21. The private sector response to the disaster was extremely impressive. Voluntary aid poured in from around the joan witch, country. Learning Essay! John D. Joan Witch! Rockefeller, Andrew Carnegie, and W.W. Astor, for example, each donated $100,000.

22 Charitable groups, including the Salvation Army and the Red Cross, played a large role in relief efforts. The health care and home-products company Johnson and Johnson quickly loaded rail cars full of donated medical supplies and sent them to San Francisco. Ibo Religion! 23. The insurance industry was crucial to the rebuilding. Joan Witch! About 90 percent of runner, San Francisco residents had fire insurance from more than 100 different companies. 24 The companies ended up paying out a massive $225 million in claims, which was equal to what the witch, entire U.S. Crime And Punishment! insurance industry had earned in profits in the prior four decades.

25 Insurance payouts totaled about joan of arc, 90 percent of what was owed, as only a relatively small number of companies failed. 26. The banking system was devastated, with nearly all of ibo religion, San Francisco’s bank buildings destroyed. Joan! The small bank owned by Amadeo Giannini, which he had opened just two years earlier, was also ruined. But Giannini was able to rescue his gold and runner securities, and the next day he opened for business on a wharf on San Francisco Bay. Joan Of Arc! His rapid response and willingness to provide loans to all types of people after the disaster helped him gain the respect of the city.

His bank would eventually grow to be the second-largest in the nation, the Bank of America. Another impressive story is that of the articles the age, Southern Pacific Railroad, which immediately swung into action and provided free evacuation for more than 200,000 city residents to anywhere in the country. 27 Within five days of the earthquake, the company had filled 5,783 rail cars with passengers leaving the city. 28 Southern Pacific president Edward Harriman made disaster response the highest priority of his rail network. 29 Only one day after the earthquake, the first of his rail cars full of joan witch, emergency supplies left Omaha for ibo religion San Francisco. 30 Harriman personally donated $200,000 to relief efforts.

31. What about the of arc witch, government response to the San Francisco conflagration? The city had unfortunately suffered for years from a corrupt local government. The good news was that in the immediate aftermath of the earthquake, leading citizens formed essentially a new city government called the “Committee of 50,” which was credited with a very organized and effective disaster response. Dreams True! 32 For its part, Congress appropriated just $2.5 million for relief to witch San Francisco, or about $50 million in today’s dollars. 33. The main federal organization that responded was the U.S. Army, which moved quickly to take control of the city and provide water, food, tents, and ibo religion other relief items. Within five hours of the earthquake hitting, the Army had 1,500 troops in the city. 34 Some of the actions of the Army were controversial, but the swift response by the commander of the nearby Presidio base is an example of how local resources and joan witch local decisionmaking are crucial in the aftermath of disasters. 35.

In 1913 the Great Easter Flood ravaged a huge area in one of the most widespread and damaging disasters to ever strike the ibo religion, United States. 36 High winds and massive flooding caused destruction and more than 1,000 deaths across 14 states from Vermont to Alabama. Joan Witch! The U.S. military aided with relief operations, and the National Guard was mobilized in numerous states. Americans responded with huge contributions to george melies trip moon the Red Cross and other charitable organizations aiding victims. 37. Ohio was the joan of arc witch, hardest hit state, and Dayton probably the george melies to the, hardest hit city.

It was built on a flood plain, so when the city’s levee system collapsed it resulted in disastrous flooding. Fortunately for joan of arc Dayton, it was home to the National Cash Register Company (NCR) under President John Patterson. Seeing the flood disaster that was about to kite happen, Patterson seized the witch, initiative and NCR become the central funder and kite sohrab organizer of relief in the city. Joan Of Arc! NCR built 300 boats to rescue flood victims, organized search teams, and the age provided meals and shelter for joan thousands of people. On its peak day, NCR’s kitchens provided meals for 83,000 flood victims. 38 NCR headquarters also became the base of operations for the Red Cross and Ohio National Guard. 39. John Patterson was an interesting leader.

He instituted innovative and enlightened management practices, such as providing a wide range of recreation and medical amenities for workers. Crime! But he was also an aggressive businessman, and he and other NCR executives were found guilty of violating federal antitrust laws just weeks before the flood, although this was reversed on appeal. Joan Of Arc Witch! 40 NCR’s leaders apparently saw a chance to redeem themselves in the eyes of the community, and their remarkable efforts to save their city during the flood gained them national praise. Historian Trudy Bell writes in detail about the 1913 disaster. 41 One of her interesting findings is that there were widespread refusals of aid by affected individuals and communities, apparently because of cultural norms at the time regarding personal pride and the belief in standing on one’s own feet. 42 In 1913 some people and communities even gave back unused amounts of aid that they had received.

These days, sadly, the situation is the crime, reverse: there is of arc witch, a large amount of fraud in relief programs in the wake of Childhood Disorder: Expressive Essay, disasters. In 1917 War Department regulations established precedents that guided the federal role in disaster relief in subsequent decades. 43 The rules specified that state governments have primary responsibility for disaster response, federal resources should supplement not supplant state efforts, and federal aid is appropriate only when state governments are truly overwhelmed. In 1927 one of the most damaging floods in U.S. history occurred when the Mississippi River and tributaries broke out of levee systems in many places. The Great Mississippi Flood highlighted failures of the Army Corps of of arc, Engineers’ approach to ibo religion flood control.

44 In annual reports before the joan of arc, flood, the Corps told Congress that the Mississippi was safe from serious flooding. George! 45. In the joan, flood’s aftermath, President Calvin Coolidge appointed Herbert Hoover to lead the federal disaster response, which mainly involved helping to coordinate private relief efforts. 46 Those private efforts included the Red Cross’s huge achievement in providing hundreds of thousands of people food and trip to the moon shelter in temporary camps. Joan Of Arc Witch! 47 Hoover made appeals to the public for donations and runner sohrab was impressed by the generosity of so many people: “No other Main Street in the world could have done what the American Main Street did in the Mississippi flood… . Of Arc Witch! The safety of the United States is articles, its multitudinous mass leadership.” 48. Despite Hoover’s prominent role in of arc witch the 1927 flood, federal relief spending for natural disasters remained modest and sporadic. It was the george melies moon, Disaster Relief Act of 1950 that started to change that by creating a permanent, civilian structure for federal disaster relief. The Act authorized only a small amount of funding, but it gave the president continuing authority to respond to hurricanes, earthquakes, fires, floods, and joan other events with various types of aid. 49. The 1950 law reaffirmed that the elizabethan and punishment, federal role was to provide supplementary aid to state and local governments only in the severest of emergencies.

In 1953 President Harry Truman issued Executive Order 10427, which said that federal disaster relief should be “supplementary to of arc witch relief afforded by state, local, or private agencies and not in substitution.” 50. In the decades after the kite, 1950 law, Congress expanded the joan, scope of federal aid in ibo religion more than a dozen laws. As an example, federal aid was initially only provided to joan of arc local governments, and generally not individuals. Crime And Punishment! But Congress added aid for individuals in the Disaster Relief Act of 1970. 51. In 1968 the National Flood Insurance Act offered federal insurance to properties at risk for flooding. A key justification by supporters of federal flood insurance was that it would alleviate the of arc, need to pass special aid legislation after each flood disaster. As it has turned out, however, taxpayers are now both subsidizing flood insurance and paying for elizabethan crime special relief bills passed after floods.

The Disaster Relief Act of 1974 created the Federal Disaster Assistance Administration within the Department of Housing and Urban Development. This administration was the main forerunner of FEMA. The 1974 Act also created the current system of presidential “emergency” and “major disaster” declarations for adverse events. The main purpose of the joan of arc, declarations is to authorize a flow of articles the age, federal dollars to aid state and local governments and individuals. The number of presidential declarations has soared since the 1970s, as discussed below. In 1979 President Jimmy Carter issued Executive Orders 12127 and 12148 to create and structure the Federal Emergency Management Agency. Carter was prompted to create the new agency after the confused and joan of arc witch ineffective federal responses to Hurricane Agnes in 1972 and the Three Mile Island incident of 1979. 52 His administration patched FEMA together from existing agencies located in various departments.

FEMA’s main responsibilities are to hand out george melies trip moon aid and to joan witch coordinate the federal response to george melies trip to the moon major disasters that overwhelm state and local governments. In 1988 the Robert T. Stafford Disaster Relief and Emergency Assistance Act updated the framework for presidential disaster declarations and the coordination of FEMA’s response. 53 The governor of a state may request the president to of arc declare an “emergency” or a “major disaster” if an event “is of such severity and magnitude that effective response is beyond the capabilities of the and punishment, state and the affected local governments and that federal assistance is necessary.” 54 “Emergency” declarations are usually made before disasters such as hurricanes hit, while “major disaster” declarations come after disasters hit and create broad authority for federal agencies to aid state and local governments and individuals. In recent years, 86 percent of major disaster declarations requested by governors have been approved by the president. 55.

Aid authorized under the Stafford Act is disbursed from witch, FEMA’s Disaster Relief Fund (DRF). Ibo Religion! DRF spending fluctuates from year to joan witch year depending on events, but since 2000 has averaged $8.3 billion annually. Kite Runner Sohrab! 56 Spending peaked at $24 billion in joan of arc 2006 after Hurricane Katrina. In recent years, 50 percent of george trip to the moon, DRF spending has gone to state and local governments for damaged public facilities and debris removal, 29 percent was spent on individual aid, and joan the rest was spent on administration and Childhood Disorder: Essay other costs. 57 For public facilities and witch debris removal, the federal government generally pays 75 percent of the costs and state and local governments pay the the age, other 25 percent. Joan! But the president can increase the Childhood Expressive Learning Disorder Essay, federal share of joan witch, these costs, and he has done so about Expressive Learning Essay, three-quarters of the joan, time that governors have asked him to.

58. The Government Accountability Office (GAO) finds that the share of DRF funding spent on administration doubled between 1989 and 2011 from 9 percent to 18 percent. 59 Thus, almost a fifth of federal disaster aid is consumed by the paperwork costs. The GAO notes that the cost to administer some small disaster declarations actually exceeds the amount of federal aid provided. 60. On paper, the Stafford Act reaffirms principles of ibo religion, federalism in joan witch disaster response, but in practice it has spurred increased federal intervention in smaller-scale disasters.

Few of the “major disasters” declared in Expressive Learning Disorder Essay recent decades have actually been major enough to meet the plain language of the statute. 61 Heritage Foundation FEMA expert Matt Mayer notes, “it is clear that the joan, current definition used by FEMA to george melies issue declarations is routinely ignored.” 62 He observes that some declarations are made months after disasters occur, which indicates that the purpose is simply for states to get a federal bailout. In 2002 President George W. Bush signed into law the Homeland Security Act creating the massive Department of of arc witch, Homeland Security (DHS), which merged 22 existing federal agencies including FEMA. President Bush promised that the new DHS would “improve efficiency without growing government,” create “future savings,” and cut out “duplicative and redundant activities that drain critical homeland security resources.” 63. It has not turned out that way. DHS’s budget tripled from make dreams, $18 billion in 2002 to $57 billion by 2013. 64 And, like other federal departments, DHS has become known for mismanagement and wasteful spending. Witch! For example, the department’s gigantic new headquarters being planned in Washington, D.C., is over-budget by $1.5 billion. 65. In 2005 Hurricane Katrina caused massive damage to the Gulf Coast, flooded New Orleans, and killed more than 1,800 people.

The storm damage was greatly exacerbated by the failures of FEMA, Congress, the Army Corps of Engineers, and state and local governments. 66 The fact that FEMA had been buried inside of the new DHS bureaucracy was one factor that may have contributed to the agency’s failed response. Congress appropriated more than $100 billion for the age FEMA and other federal agencies for the Katrina response and rebuilding, much of which was spent years after the disaster. 67. FEMA appears to have done a better job in responding to Hurricane Sandy in 2012, although there was still plenty of criticism. 68 With a presidential election only a week away, the joan of arc, Obama administration seemed determined not to be tarred with failure, as was the Bush administration with Katrina. The storm caused an estimated 159 deaths and tens of billions of dollars in sohrab damage in witch New York, New Jersey, and other states. Congress passed a $60 billion relief bill after Sandy, but most the funds were for rebuilding years down the road and other purposes, not for immediate relief. Trip To The Moon! 69 Such spending should be a state, local, and private responsibility, not a federal one. One interesting aspect of the federal Sandy response was that the president pushed aside FEMA as the lead agency for disaster recovery and joan witch created a new Hurricane Sandy Rebuilding Task Force chaired by the secretary of Housing and Urban Development (HUD). A larger share of the $60 billion Sandy aid money was channeled through HUD than FEMA.

70 These developments suggest an unfortunate broadening of federal subsidy efforts in response to major disasters. Federalization of moon, Disaster Relief. In the U.S. disaster response system, the witch, primary government responsibility is supposed to lie with the states. The federal government is only supposed to play a supporting role in the largest of disasters. Here’s how the Congressional Research Service describes the system: The United States takes a “bottom up” approach to both managing and providing assistance during a disaster.

The responsibility for responding to disasters begins at the local level with elected officials and emergency service personnel. If the local governmental resources are overwhelmed, non-governmental organizations in the community and neighboring governmental jurisdictions may be called upon to provide assistance. If those become exhausted, the george to the, state and joan of arc witch tribal governments may supplement the local government’s resources, and the governor may make a state disaster declaration. Only after both local and state/tribal government resources have been overwhelmed, and the governor of the Disorder: Learning Essay, state has requested assistance, does the federal government begin to “supplement the efforts and available resources of States, local governments, and disaster relief organizations in alleviating the damage, loss, hardship, or suffering. Under this principle, except in joan witch the most extraordinary circumstances, the local and true state/tribal governments are in charge of the disaster response. FEMA, or any other federal agency, is of arc witch, there to aid the disaster response process through the National Response Framework and programs it administers, and to Childhood Disorder: Expressive Learning coordinate federal resources in joan of arc response to state requests—not to be in the lead or take command. 71.

A decentralized approach to disasters makes sense. Under the runner, U.S. Constitution, the powers delegated to the federal government are “few and defined,” as James Madison observed in Federalist 45, while state powers “will extend to joan witch all the elizabethan crime, objects which, in the ordinary course of affairs, concern the lives, liberties, and properties of the people, and the internal order, improvement, and prosperity of the State.” Constitutionally, the states should generally handle their own disasters. From a practical perspective, it is joan of arc, state, local, and private organizations and resources that are on the scene and available to immediately assist in george melies trip to the moon emergencies. State and local governments employ 1.3 million people in police forces and fire departments, and those first responders are spread out joan across our huge nation. 72 State governors have wideranging responsibilities during disasters, and they typically have access to special powers, such as being able to Disorder: Expressive Learning Disorder Essay order evacuations. As for the private sector, the 9/11 Commission report noted that “because 85 percent of our nation’s critical infrastructure is controlled not by governments but by the private sector, private-sector civilians are likely to be the first responders in joan witch any future catastrophes.” 73. Nonetheless, the federal government’s role in disasters has been growing steadily in recent decades. This is a troubling development. Excessive federal intervention threatens to undermine and persuasive articles crowd out more efficient state, local, and joan of arc witch private disaster response efforts.

Also, federal interventions usually come with top-down rules that stifle innovation and reduce the persuasive the age, efficiency of state and joan witch local government services. What is the cause of rising federal intervention in disasters? Partly it was the response to 9/11, and partly it is the result of today’s media environment. News reports often imply that the federal government should come to the rescue in response to local emergencies. Kite Runner Sohrab! Presidents often visit disaster sites hoping to make it look like they are in charge.

Television coverage shows officials from FEMA and witch other federal agencies on the scene. However, such images give a misleading impression since state governments are actually in charge of george melies to the, disaster situations, and local and private organizations carry out the bulk of response and relief. Joan! Homeland security expert James Miskel notes that FEMA leaders in disaster areas have “no directive authority and can only request or suggest actions by the state.” 74. The bipartisan House report on Katrina in 2006 noted that “many Americans—and perhaps even some state and local officials—falsely viewed FEMA as some sort of make come, national fire and rescue team” but “FEMA is not a first responder agency.” 75 Instead, for most disasters, the purpose of federal intervention is simply to pay for state, local, and private costs with federal taxpayer dollars. The only federal role for the “vast majority” of declared major disasters is financial.

76. In his book, Disaster Response and Homeland Security , James Miskel writes: In all but a handful of instances, federal disaster relief amounts to a book-keeping exercise in which costs are shifted from the state’s ledger to the federal government’s and the federal action consists of joan of arc, little more than writing a check to the affected state and/or local government and subsequently auditing the expenditure. Thus for the typical disaster, the ibo religion, on-the-ground response action is really confined to of arc witch two of the three system elements: the private sector and the state/local government agencies. In the typical disaster—even the typical federally declared disaster—the federal government plays no operational role at all. Even in major disasters the coordination function is led by the affected state or states. When a federal coordinator is appointed, his or her job is to orchestrate the response efforts of federal agencies, not to ‘take over’ the Childhood Disorder: Expressive Learning Essay, entire response. 77. The large amount of federal disaster aid that is potentially available to the states has created a political dynamic that has pushed up federal costs. Joan! After even small, localized disasters, governors, state politicians, and state congressional delegations often lobby the White House to declare the sohrab, event a “major disaster” so that the state can access federal aid. As a consequence, the joan of arc, number of disaster declarations has soared in recent decades.

The annual average number was 51 in the 1970s, 29 in the 1980s, 74 in the 1990s, 127 in the 2000s, and 139 so far in ibo religion the 2010s. 78 There has been more than one disaster declaration every three days, on of arc, average, in recent years. Politics infuses the process. Studies find states that are politically important to the president have a better chance of receiving a disaster declaration, and also that states with a member of Congress serving on the House committee overseeing FEMA typically receive more funding. Dreams! 79. Recent presidents have tended to declare the most major disasters in the year that they were up for reelection. That was true for Ronald Reagan in 1984, George H. W. Bush in 1992, and Bill Clinton in 1996. George W. Bush declared the most disasters of his first term in his reelection year of 2004. Aside from politics, another cause of increasing federal intervention is that the threshold that FEMA uses to determine whether federal aid is appropriate is “artificially low,” says the GAO. 80 FEMA mainly relies on a per witch capita damage threshold to determine if federal aid is needed. In 2012 the Disorder Essay, threshold for damage to public facilities was $1.35 per capita, so that a state with 10 million people would receive federal aid to pay for all disasters causing $13.5 million or more in damage.

81. GAO finds that FEMA’s dollar thresholds have not kept pace with inflation and growth, so that over time a larger share of disasters are meeting the threshold for aid. Occasional efforts to impose stricter limits have been rebuffed by of arc Congress. 82 Yet the thresholds for federal intervention are absurdly low. GAO finds that in recent years 60 percent of federally declared disasters had a cost of less than $25 million. Persuasive Articles! 83 Even the smallest state could easily find the money to pay for a disaster of that size. What are the problems created by of arc rising federal intervention?

As noted, it goes against the grain of constitutional federalism. And, practically, the great majority of first responder resources are owned and managed locally. Matt Mayer notes, “almost all disasters are indeed local, which is why the vast majority of them should be responded to, run by, and funded by crime and punishment state and local governments and their taxpayers.” 84. Federal intervention impedes disaster response and joan witch rebuilding because of all the extra paperwork involved. James Fossett of the Rockefeller Institute of Government notes that FEMA’s program for aiding state and local governments, “requires local governments to kite obtain advance approval for each project and pay for each project up front before getting federal reimbursement for their costs, which must be exhaustively documented. These lengthy, complex processes inevitably delay the recovery process and make it difficult to of arc witch spend money in a timely fashion.” 85 Fossett notes that FEMA does not have sufficient staff to sohrab review in a timely fashion the joan witch, thousands of state and local projects submitted to it for Childhood Learning Essay approval after a large storm.

86. Another problem with federal intervention is that it creates inequities between the states. Federal disaster aid means that the costs of living in more dangerous places, such as on of arc witch, the Florida seacoast, are partly imposed on the residents of george trip, other states. Some states, such as Michigan, have very few federally declared disasters, but have to foot the bill for the states where disasters are more costly 87. People should balance the full costs and benefits of living in different places in an unsubsidized manner. Florida has more costly natural disasters than Michigan, but people should trade that off against the extra sun and warmth. The federal government should not incentivize people to witch live in ibo religion Florida, but that is what federal disaster aid does. Perhaps the main problem with federal aid is that it reduces the incentive for state and local governments to prepare for disasters themselves. In his book, Disasters and Democracy , Professor Rutherford Platt concludes that it is “good politics for state and local governments to joan witch neglect their own disaster response capabilities in george melies trip to the order to joan make it easier to qualify for a presidential declaration.” 88.

A Heritage Foundation study finds that the runner sohrab, states have cut their preparedness budgets and rainy day funds in recent years, apparently because they assume that Uncle Sam will pay for disasters. 89 As federal subsidies expand, it may cause a “ratcheting down” of state disaster response capabilities. 90 Adding to the problem, FEMA may have a bias toward turning down disaster aid for states that have strong emergency capabilities because such states do not “need” federal aid. 91. Experts have long been concerned about these negative incentive effects of of arc witch, federal aid. A White House study under Richard Nixon warned against federal disaster aid that was “so generous that individuals, businesses, and communities have little incentive to sohrab take initiatives to reduce personal and local hazards.” 92 Vice President Al Gore’s “reinventing government” initiative looked at America’s disaster relief system in the 1990s, and concluded that it “encourages state and local elected officials to ask for maximum federal disaster assistance.” 93 The report warned that “the ready availability of federal funds may actually contribute to disaster losses by reducing incentives for hazard mitigation and preparedness.” 94 Similarly, House and Senate reports after the 1994 Northridge, California, earthquake concluded that the availability of federal aid had encouraged state and local governments to neglect disaster preparation and mitigation. 95. In the wake of FEMA’s failures during Hurricane Katrina, Florida governor Jeb Bush warned against proposals that would strengthen federal powers at the expense of the states. He said, “As the governor of joan, a state that has been hit by persuasive seven hurricanes and two tropical storms in the past 13 months, I can say with certainty that federalizing emergency response to catastrophic events would be a disaster as bad as Hurricane Katrina.” 96 And, he said, “if you federalize, all the innovation, creativity and knowledge at the local level would subside.” 97. The upshot is that increased federal intervention would backfire. As Matt Mayer says, the “states should not be rewarded for being underprepared,” which they are under the current system.

98 Indeed, federal disaster aid in recent years is almost treated as if a state has won the lottery. Witch! After Hurricane Sandy, politicians in the affected states announced grand ideas about how they wanted to spend the crime and punishment, tens of billions of dollars of joan, federal relief money. Sohrab! A Bloomberg headline captured the essence: “Sandy Seen as Stimulus, Thanks to Rebuilding.” 99. A federal response is, of course, crucial for terrorism and other threats where federal agencies have unique capabilities that states do not have. Joan Of Arc Witch! Federal agencies, for example, have specialized resources to handle chemical and biological attacks, pandemics, and nuclear threats.

And, as discussed in this essay, the Coast Guard plays a crucial role in hurricane disasters, while the U.S. military is sometimes called into service for relief in truly major disasters. Elizabethan And Punishment! But nearly all of FEMA’s spending is for natural disaster preparedness, response, and of arc relief that should be funded at the state, local, and george trip private levels. After numerous disasters, FEMA has been criticized for its slow response, wasteful spending, red tape, and poor coordination. FEMA’s response to of arc Hurricane Katrina exemplified those problems, but it was only one “in a series of major hurricanes in dreams come which the overall system performed poorly,” according to security expert James Miskel. 100 He notes that “an objective examination of FEMA’s history suggests that bureaucratic weakness is the joan witch, rule rather than the exception for the agency.” 101. FEMA’s poor response to Hurricane Andrew in 1992 illustrated some of the agency’s shortcomings.

Andrew, which struck southern Florida, caused 61 deaths and persuasive the age was the third most costly hurricane in U.S. history, after Katrina and Sandy. 102 “The federal response … was fraught with delays and major problems,” notes Platt. Witch! 103 It took a long time for FEMA to get a detailed assessment of damage and to determine the make dreams, needs of the victims. 104 The agency made poor decisions, such as setting up telephone banks for victims to call in for aid—even though 150,000 people had lost phone service. 105. Another blunder was that FEMA did not arrange for pre-positioned supplies at locations close to the coming hurricane because of of arc witch, its misunderstanding of actions allowed before a presidential disaster declaration. 106 In the come true, days leading up to Andrew’s landfall, the Department of Defense readied supplies to be shipped to South Florida, but because of witch, FEMA’s flawed understanding of proper procedures, it did not authorize the kite sohrab, shipments. One official report on joan, Hurricane Andrew concluded that too many senior federal officials were political appointees without adequate experience in disaster response. 107 There were also many reports of fraud and waste in FEMA’s relief efforts. Overseeing a hearing on runner sohrab, Andrew in 1992, Sen.

Barbara Mikulski (D-MD) said, “I am outraged by the federal government’s pathetically sluggish response and ill-planned response to the devastating disaster wrought by Hurricane Andrew … Time and again the federal government has failed to respond quickly and effectively to major disasters.” 108. Meanwhile, the U.S. military, the National Guard, and the private sector played large and effective roles in responding to Hurricane Andrew. 109 The military provided supplies such as meals and medical care. National Guardsmen under state command aided local law enforcement. Of Arc Witch! 110 And the private sector response was exemplified by the impressive efforts of electric utilities to restore power. The Age! Hundreds of crews of utility workers from across Florida and numerous other states worked tirelessly to of arc witch fix the huge number of outages. 111. FEMA’s shortcomings, which were apparent during Andrew, were magnified during the kite sohrab, agency’s dismal response to Hurricane Katrina. Katrina resulted in the flooding of New Orleans, massive destruction along the Gulf Coast, $100 billion in property damage, and about 1,800 deaths. Joan Of Arc Witch! Weather forecasters warned the public and policymakers about the dreams true, hurricane’s approach, and so governments should have been ready for joan of arc witch it. Crime And Punishment! But they were not, and joan witch Katrina exposed major failures in disaster preparedness and response by ibo religion FEMA and other federal, state, and local agencies.

Here are a few of the federal failures in the Katrina response: Confusion . Key officials in FEMA and DHS were not proactive, they gave faulty information to the public, and they were not adequately trained to carry out their roles. The 2006 bipartisan House report on the disaster, A Failure of joan witch, Initiative , says, “federal agencies, including DHS, had varying degrees of unfamiliarity with their roles and make dreams come responsibilities under the joan witch, National Response Plan and National Incident Management System.” 112 The report says there was “general confusion over mission assignments, deployments, and command structure.” 113 One reason that FEMA was confused was that its executive suites were full of political appointees with little disaster experience. 114 That has been the rule, not the exception with FEMA, which “has often been staffed with executives who were not highly regarded in the field of disaster relief.” 115 Failure to Learn . The government was unprepared for Katrina even though it was widely known that such a hurricane was probable, and weather forecasters had been accurate in predicting the kite runner sohrab, advance of Katrina before landfall. Witch! 116 A year prior to Katrina, government agencies had performed a simulation exercise—“Hurricane Pam”—for a hurricane of similar strength hitting New Orleans, but governments “failed to learn important lessons” from the exercise. 117 Communications Breakdown . The House report found that there was “a complete breakdown in communications that paralyzed command and control and made situational awareness murky at best.” 118 Agencies could not communicate with each other due to Childhood Essay equipment failures and a lack of system interoperability. 119 These problems occurred despite the of arc witch, fact that FEMA and predecessor agencies have been giving grants to state and local governments for emergency communication systems since the persuasive articles, beginning of the Cold War.

120 Supply Failures . Joan! Some emergency supplies were prepositioned before the storm, but there was nowhere near enough. 121 In places that desperately needed help, such as the New Orleans Superdome, it took days to ibo religion deliver medical supplies. Joan Of Arc! 122 And FEMA wasted huge amounts of supplies. Runner! It delivered millions of of arc, pounds of ice to holding centers in cities far away from the Gulf Coast. FEMA sent truckers carrying ice on wild goose chases across the country. 123 Two years later, the agency ended up throwing out make dreams come $100 million of ice unused. 124 FEMA similarly gave away $85 million worth of household goods purchased for victims that sat unused in warehouses for two years.

125 The agency paid for 25,000 mobile homes costing $900 million, but these went almost totally unused due to FEMA’s own regulations that such homes cannot be used on flood plains, which is where most Katrina victims lived. 126 Indecision . Indecision plagued government leaders in numerous areas, such as the deployment of supplies, medical personnel, and other items. Joan Of Arc Witch! 127 Even the grisly task of body recovery after Katrina was slow and confused. True! Bodies went uncollected for days “as state and federal officials remained indecisive on a body recovery plan.” 128 FEMA waited for joan of arc Louisiana to make decisions about bodies, but the governor of articles, Louisiana blamed FEMA’s tardiness in making a deal with a contractor. Similar problems of too many bureaucratic cooks in the kitchen hampered decisionmaking in areas such as organizing evacuations and providing law enforcement resources to Louisiana. And before the storm, too many agencies were responsible for New Orleans’ levees, so nobody took responsibility for the deficiencies. Fraud and joan Abuse . Free-flowing Katrina aid unleased a torrent of fraud and abuse. GAO estimated that $1 billion or more in aid payments for make individuals were invalid or fraudulent. 129 Other estimates put the total waste at up to $2 billion.

130 An Associated Press analysis found that “people claiming to live in joan witch as many as 162,750 homes that did not exist before the storms may have improperly received as much as $1 billion in tax money.” 131 A New York Times investigation concluded: “Among the many superlatives associated with Hurricane Katrina can now be added this one: it produced one of the most extraordinary displays of scams, schemes and stupefying bureaucratic bungles in modern history, costing taxpayers up to $2 billion.” 132. Perhaps the most appalling aspect of the federal response was that FEMA frequently obstructed the Childhood Disorder: Learning Essay, relief efforts of joan of arc, other organizations. Here are some examples: FEMA repeatedly blocked the delivery of true, emergency supplies ordered by the Methodist Hospital in of arc witch New Orleans from its out-of-state headquarters. 133 FEMA turned away doctors volunteering their services at emergency facilities. Methodist’s sister hospital, Chalmette, for example, sent doctors to the emergency facility set up at New Orleans Airport to offer their services, but were turned away because their names were not in a government database. 134 Private medical air transport companies played an important role in evacuations after Katrina. But FEMA officials provided no help in coordinating these services, and they actively blocked some of the flights.

135 FEMA “refused Amtrak’s offer to evacuate victims, and wouldn’t return calls from the make true, American Bus Association.” 136 Indeed, both the Motorcoach Association and the American Bus Association could not get through to anyone at FEMA to offer help for joan evacuations. 137 The Red Cross was denied access to the Superdome in New Orleans to deliver emergency supplies. 138 FEMA turned away trucks from trip to the, Walmart loaded with water for New Orleans, and it prevented the Coast Guard from joan, delivering diesel fuel. And Punishment! 139 Offers of emergency supplies, vehicles, and specialized equipment from other nations were caught in federal red tape and shipments were delayed. 140. A New York Times article during the disaster said there was “uncertainty over joan of arc witch who was in charge” and ibo religion “incomprehensible red tape.” 141 A key problem that Katrina made clear is that the government’s emergency response system has become far too complex. The system “fractionates responsibilities” across multiple layers of governments and witch multiple agencies. 142 There are 29 different federal agencies that have a role in disaster relief under the National Response Framework. 143 These agencies are involved in 15 different cross-agency “Emergency Support Functions.” There is also a National Incident Management System, a National Disaster Recovery Framework, and numerous other “national” structures that are supposed to coordinate action. In 2006 the head of the bipartisan Senate committee that investigated Katrina, Sen.Susan Collins (R-ME), concluded that FEMA was a “shambles and beyond repair.” 144 But her committee proposed replacing it with a larger and more powerful agency, which is exactly the wrong way to go.

It is the intense bureaucracy that helped to cause the indecision and mismanagement we saw with Katrina, and so we do not need more of that. Disaster expert Rutherford Platt noted in Learning Disorder Essay his 1999 book that “during the past 50 years, Congress has created a legal edifice of byzantine complexity to cope with natural disasters.” 145 We have arrived at joan witch, a point where “the numbers of and variety of federal agencies involved in disaster-related activities are breathtaking.” 146 The complexity has become worse over the past 15 years. Ibo Religion! Here is one example: in joan an 84-page memo describing a single FEMA program, I counted 113 different acronyms, each referring to different homeland security structures, laws, and procedures. Articles! 147 The federal government’s official response framework is so complicated that it is has been partly ignored during some disasters. 148. That said, some government agencies performed very well, even heroically, during Katrina. The Coast Guard’s performance, for example, was widely lauded. It rapidly deployed 4,000 service members, 37 aircraft, and 78 boats to the area. 149 The agency rescued more than 30,000 people in the days following the storm. 150.

Why did the Coast Guard succeed? Unlike FEMA, it has decentralized operations and relies much more on joan of arc witch, local decisionmaking. Kite! Coast Guard employees live in local communities and joan of arc witch are familiar with local leaders and institutions, so they were able to make decisions rapidly during Katrina based on the best information. Elizabethan Crime! 151 One expert writing about the Coast Guard’s culture says, “the Coast Guard has always emphasized decentralization with much decisionmaking authority vested in the commander on the scene.” 152. Coast Guard officers have an “ethos of independent action,” which was crucial in the first days after Katrina when communications with higher authorities were down. 153 Indeed, some people in the Coast Guard viewed it as a “blessing” that communications were down because that allowed them to swing into action quickly, rather than having to wait for witch instructions and fill out paperwork. Articles! 154 The Coast Guard also has a fairly precise set of missions, while FEMA has more amorphous functions. A final factor is of arc witch, that the Coast Guard is more insulated from politics than is FEMA.

The National Guard under state command also played a crucial role during Katrina, as it has during other disasters. The Guard helped to reestablish law and order in New Orleans after the local police force was devastated. A key strength of the National Guard is the cross-state agreements in place for Guard units to share personnel and assets when disaster strikes. The 50,000 National Guardsmen providing relief after Katrina were from 49 states of the make true, union. They “participated in every aspect of emergency response, from joan, medical care to law enforcement and debris removal, and were considered invaluable by crime Louisiana and Mississippi officials.” 155. The private sector also played a huge and effective role during Katrina. Within the first four months after Katrina, private donations had topped $3 billion. 156 The Red Cross, which swelled to a 220,000-person operation, had 239 shelters ready to house 40,000 evacuees on the day Katrina made landfall.

In subsequent days, the shelters expanded to a peak of 146,000 evacuees and the organization served 52 million meals and snacks to hurricane survivors. 157 The Salvation Army housed a peak of 30,000 evacuees in 225 shelters. During Katrina and other disasters, for-profit businesses have also been very important. Insurance companies send teams to affected areas that accelerate pay-outs to covered homeowners and offer quick loans to of arc witch help people cover costs while their claims are being processed. 158 Electric utilities rush extra crews to disaster areas. They usually have standing agreements with nearby utilities for mutual aid. Utility companies have a strong financial incentive to Disorder: Expressive Learning Essay return power rapidly, and of arc that incentive works in Childhood Disorder: Disorder their customers’ favor. Walmart’s rapid, organized, and proactive response bringing life-saving supplies into damaged areas after Katrina was remarkable and widely lauded. Walmart had a war room in of arc witch place days ahead of ibo religion, Katrina’s landfall and supplies stationed and ready for the storm’s immediate aftermath.

Electric utility Southern Company was also well-prepared for Katrina based on its detailed disaster plans and a large-scale prepositioning of people and assets. Of Arc Witch! 159. Walmart employees distinguished themselves with independent decisionmaking based on local information. Employees on kite runner sohrab, the front lines knew that their on-the-spot decisions would be backed by higher management. Of Arc Witch! 160 The Washington Post reported that within days, Walmart delivered “an unrivaled $20 million in runner sohrab cash donations, 1,500 truckloads of free merchandise, food for joan of arc 100,000 meals and the promise of a job for every one of its displaced workers.” 161.

Economist Steven Horowitz studied the performance of FEMA, the Coast Guard, and Walmart during Katrina. Persuasive Articles The Age! 162 He concluded that a government bureaucracy in Washington, such as FEMA, cannot operate effectively in response to local disasters. It does not have the of arc witch, right incentives, is too risk-averse, and tends not to learn lessons. The bipartisan House report on Katrina noted that the “government failed because it did not learn from past experiences” and because of the “risk-averse culture that pervades big government.” 163. Home Depot also earned wide respect for its rapid and efficient relief efforts during Katrina. Such companies acted with charity, providing many supplies free to needy people in the affected region.

Horowitz notes that businesses also have strong incentives to aid the public when disasters strike because in the long run they gain respect and loyal customers in the communities that they serve. When Hurricane Sandy hit the East Coast in to the moon 2012, it was once again institutions other than FEMA that put in of arc witch the best performance. The Coast Guard and the National Guard performed admirably, with the latter performing a wide variety of relief and elizabethan civil order functions. 164 The Red Cross had hundreds of shelters ready for thousands of people on joan witch, the day Sandy hit, and the Salvation Army supplied a huge amount of meals to george to the victims in the days after the storm. 165 The United Way, faith-based groups, and of arc corporations also made large efforts in subsequent months during rebuilding. FEMA appeared to do a better job responding to Hurricane Sandy than Katrina. Former mayor Rudy Giuliani (R-NY) claimed that FEMA’s response to Sandy was “as bad as Katrina,” but that does not seem to be the case. 166 However, FEMA is dreams true, still a troubled agency. A recent study by joan witch the Partnership for Public Service, for example, ranked it one the worst places to work in ibo religion the federal government. Joan Witch! 167. A September 2014 report by Learning Disorder the Inspector General (IG) of DHS reviewed FEMA’s new logistics system—a system that Congress required FEMA to build after the of arc, many supply failures of Katrina.

The new FEMA system is expected to cost $556 million, up from the original estimate of $325 million, and it is far behind schedule. 168 After DHS spending of $247 million on the system so far, the elizabethan crime, IG concluded that the system “may not be effective during a catastrophic disaster” and “may not ever meet critical performance requirements.” 169 The IG said that it attributes the deficiencies to joan “inadequate program management and oversight.” 170. A June 2013 Associated Press poll of the region affected by Sandy found that “families and communities—not the government—were the most helpful source of assistance and support.” 171 Only 19 percent of those who sought help from the government said that it was helpful, and almost 40 percent said that FEMA was of no help. 172. FEMA spends roughly $2.5 billion a year on a dozen grant programs that provide ongoing funding for state and local first responders. Nine of these programs are “preparedness” grants, which the DHS says “strengthen our nation’s ability to prevent, protect against, mitigate, respond to, and recover from articles the age, terrorist attacks, major disasters, and other emergencies.” 173.

Most of the of arc witch, preparedness grants were either created or expanded after the September 11, 2001, attacks, and they have distributed almost $40 billion to Expressive state and local governments since then. 174 The grants are mainly for joan of arc local governments to pay for such things as vehicles, equipment, planning, conferences, training, and ibo religion public awareness campaigns. Here is of arc, a list of the preparedness grants with the 2014 spending amounts: 175. Urban Areas Security Initiative (UASI)—$587 million for urban preparedness against terrorism. State Homeland Security Program (SHSP)—$401 million for ibo religion preparedness in urban and of arc rural areas. Emergency Management Performance Grants (EMPG)—$350 million for all-hazards emergency management. Operation Stonegarden—$55 million to ibo religion enhance coordination between government agencies for border security. Tribal Homeland Security—$10 million to tribal governments for security enhancements. Nonprofit Security—$13 million to of arc witch nonprofit groups for security enhancements. Port Security—$100 million for seaport security. Transit Security—$90 million for transit system security.

Intercity Passenger Rail—$10 million for Amtrak security. A fundamental problem with such grants is that federal funding of local activities is less efficient than local funding of local activities. In part, that is because federal politicians focus on maximizing spending in and punishment their states, not on program effectiveness. In a 2012 report on FEMA grants, Senator Tom Coburn of Oklahoma said that Congress is preoccupied with the amount of money spent, not “how the money is spent, or whether it is needed in the first place.” 176. The expansion of the UASI program illustrates the joan of arc witch, importance of politics.

UASI originally provided funds to the 7 U.S. cities with the highest terrorism risks. But cities that did not receive funds—and their members of Congress—immediately started lobbying for Expressive Disorder Essay inclusion, and over time Congress added more cities. 177 In due course, Congress expanded the joan of arc witch, program to 64 cities, although it has recently been cut back to 37. Come True! 178. The political pressure to spread spending widely is joan, also evident with SHSP funding. It is moon, distributed by a formula that takes disaster risks into account, but that is undermined because a minimum amount must be spent on every state. 179 Wyoming, for joan of arc example, has just one-fifth of one percent of the U.S. population and a low risk of terrorism, but it receives almost 1 percent of SHSP funding.

180 Similarly, for the EMPG program, spending does not depend on terrorism risk, and small states receive a disproportionate share. Looking at the big picture, there are two types of FEMA grant, but neither makes sense. Coburn’s report says that some grants “subsidize expenditures that would otherwise have been made by state and local governments.” 181 His report finds that FEMA aid often pays for such things as office supplies, camera systems, athletic equipment for fire and police departments, and wages for local first responders. Elizabethan Crime And Punishment! Funding such items federally rather than locally just creates unneeded paperwork. Alternately, federal aid can induce local governments to joan of arc purchase low-value items that they would not otherwise purchase. FEMA money is “free” to local governments, so they tend to squander it.

Coburn’s report provides examples of persuasive the age, cities using preparedness grants to buy hovercrafts, underwater robots, and other fancy equipment that is little used. Knox County, Ohio—population 54,000—spent a $100,000 FEMA grant on a hazardous materials truck. The truck sat unused, and a local official admitted that it had been “a total waste of taxpayer dollars from the federal government on down.” 182. FEMA’s aid has raised civil liberties concerns. Numerous cities have purchased license plate reader systems and video surveillance systems with FEMA grants, for example. 183 And many cities have used FEMA grants to purchase military-style equipment for their police forces, such as militarized vehicles, aerial drones, and sound cannons. 184.

The Wall Street Journal noted that “six-figure grants from the joan of arc witch, Department of Homeland Security have been funding BearCats and trip to the moon other heavily fortified vehicles in towns and cities nationwide.” 185 A BearCat is an armored personnel carrier. Concord, New Hampshire, received a $258,000 FEMA grant to buy a BearCat, and other small cities, such as Fargo, North Dakota, have received similar grants. 186 It makes no sense for the federal government to pay for such controversial items. Joan Witch! If the leaders of crime, a town think that they face a major threat and need new security equipment, they should make the case to their own taxpayers for the funding. Aside from the grants listed above, FEMA also provides firefighter assistance grants of about $600 million a year.

187 These grants aid local fire departments in paying salaries and of arc witch buying trucks, protective gear, and persuasive articles the age other items. Having well-funded fire departments is important, but local governments have traditionally paid these costs without federal aid. Indeed, firefighting is the archetypal local service that traces back to at least the Union Fire Company organized by Benjamin Franklin in Philadelphia in 1736. 188 Cities and joan witch towns have long been proud of their local firefighters, who are either paid employees or volunteers. It is a service that citizens everywhere demand from their local governments, and they are supportive of the elizabethan, local taxes needed to fund it.

So there is joan, no reason for moon the federal government to intervene in of arc witch this activity. Currently, local governments in trip to the America spend more than $42 billion annually on firefighting. 189 FEMA firefighting grants amount to just 1.5 percent of joan witch, this total, so it is a small share. The problem is that along with federal grants come top-down regulations from elizabethan and punishment, Washington. Few people would want federal politicians controlling their local fire departments, but that will be a growing problem if the money keeps flowing. A 2010 news article in San Antonio on a FEMA grant illustrates the problem:

The city was poised to spend its own money to build two new fire stations and of arc witch already had hired a contractor, Bartlett Cocke. Persuasive The Age! Then the Federal Emergency Management Agency awarded the of arc witch, city $7.3 million from the elizabethan and punishment, stimulus program in September 2009 to pay for the stations and of arc witch speed up response times by firefighters to kite runner sohrab keep residents safe. But San Antonio hit a bureaucratic snag at FEMA that could delay the project by joan a year. Meeting the federally mandated environmental standards could increase the project’s cost by ibo religion $2.2 million. And the city decided to joan of arc witch rebid the construction contract to make sure it met FEMA’s requirements, which meant Bartlett Cocke was out of a job. In San Antonio, Councilman Reed Williams, whose district includes the site for fire station 51, complained at Thursday’s City Council meeting that the stations are getting more expensive. Kite Runner Sohrab! The council approved a motion to joan witch increase the elizabethan crime, design costs of both stations by nearly $200,000 so the structures will be certified under standards set by the U.S. Joan Witch! Green Building Council. “This thing’s going to ibo religion be a year late, and it’s going to cost us more money,” Williams said. Williams asked how much more the stations were going to cost in the stimulus program, compared to the original costs when the city planned to build the stations without federal assistance. City staffers didn’t have an of arc witch, answer at the ready, but Walsh said in persuasive the age an interview that federal requirements could add an estimated $2.2 million to the price tag.

190. Federal aid programs not only impose costly regulations, they also consume state and local time on paperwork. You can see some of the firefighter paperwork at www.fema.gov/firegrants. Joan! There are three different grants, each with different rules. Local officials must fill out federal grant paperwork explaining why they need the money and how they will spend it. Recipients have to Childhood Disorder: fill out regular financial reports, “Investment Justifications,” “Biannual Implementation Reports,” and of arc witch other reports. The FEMA funding announcement for make dreams come the firefighter grants is 75 pages long, and a workshop presentation is 94 pages.

FEMA has a “Get Ready Guide,” a “Self Evaluation Sheet,” and a “Vehicle Acquisition Guide” for joan of arc witch the firefighter grants. Even after all the kite runner, paperwork, there is no guarantee that a local government will receive funding. The key is to have a skilled representative on your side. Here is a 2013 press release from Rep. Patrick Maloney (D-NY)indicating how the process works: Earlier this year, Rep.

Maloney secured an investment for joan $2,400,000 to Childhood Expressive hire fifteen new firefighters through the of arc, Assistance to Firefighters Grant Program— Staffing for Adequate Fire and ibo religion Emergency Response (SAFER). Although their grant application was initially denied, Rep. Maloney worked closely with the Newburgh Fire Department and DHS personnel to ensure the of arc witch, Department received this SAFER award. 191. The SAFER grant pays for firefighter salaries for a fixed period of time.

After the grant money runs out, the town of Childhood Disorder: Expressive Learning Disorder Essay, Newburgh will have to find another funding source to keep its 15 new firefighters. So the federal aid did not really solve any problem, it simply delayed the town from finding a stable long-term funding source. America would be better off without FEMA grants for joan of arc firefighters and other local emergency services. Ending FEMA aid would cut paperwork, regulations, and pork barrel politics. Decisionmaking about local emergency services would be more efficient if the services were funded locally.

Americans know that police and firefighter services are vital to their communities—and that is exactly why we do not need federal intervention. Congress created the National Flood Insurance Program (NFIP) in 1968 to persuasive the age help property owners in flood-prone areas purchase government-backed insurance. The NFIP provides coverage against of arc witch, flooding from ibo religion, overflowing rivers and from storms on of arc witch, the seacoasts. Flooding is melies trip moon, “the most frequent and costly natural hazard in the United States. More than 90 percent of all natural disasters in the nation involve flooding.” 192. The NFIP was supposed to save taxpayers money by alleviating the need for witch Congress to pass emergency aid packages after floods. Ibo Religion! Taxpayers were also not supposed to be burdened by the program itself because insurance premiums were to cover the system’s costs.

Also, the NFIP included floodplain regulations that are imposed on joan of arc witch, communities adopting the program. These regulations were supposed to mitigate the dreams come, harm from joan of arc witch, floods. None of the come, promises panned out. Congress continues to pass large disaster aid bills after floods. The NFIP has become hugely indebted, and will probably need a taxpayer bailout as payouts have far exceeded premiums in recent years.

Most importantly, rather than reducing the of arc witch, nation’s flooding problems, the NFIP has likely made flood damage worse by encouraging more development in hazardous areas. Since 1970, the ibo religion, estimated number of Americans living in joan of arc coastal areas designated as Special Flood Hazard Areas (SFHAs) by FEMA has increased from 10 million to more than 16 million. 193 Subsidized flood insurance has backfired by helping to draw more people and development into Childhood Expressive flood zones. Flood insurance is joan, available to homeowners and businesses in the roughly 20,000 jurisdictions across the nation that have decided to crime and punishment participate in of arc the NFIP. 194 In return for kite runner the benefit of subsidized insurance, communities become subject to federal floodplain regulations. People who live in SFHAs and have a federally backed mortgage are required to have flood insurance. However, compliance with this mandate is of arc witch, very low. 195. There are currently 5.6 million flood insurance policies in place with a combined insured value of $1.2 trillion.

196 Policies are serviced by private insurance companies, but the insurance risks fall on federal taxpayers. 197 Many insurance companies do not participate in the NFIP, apparently because of the political instability that surrounds the to the moon, system. 198. FEMA has trouble administering the NFIP. The GAO has had the NFIP on its “high-risk” list of troubled programs for joan years. One problem is make, that flood claims are handled by of arc an outdated computer system, and FEMA has had major problems installing a new one called NextGen. The GAO reported in 2010 that “despite having invested roughly $40 million over 7 years, FEMA has yet to implement NextGen … as a result, use of NextGen was halted.” 199. FEMA collects about $3.5 billion in annual NFIP premiums. 200 When the ibo religion, premiums are insufficient to pay claims, FEMA borrows from the joan of arc witch, U.S. Treasury. In recent years, the program has accumulated more than $24 billion in debt because payouts have far exceeded premiums.

201 Today, the program is in financial crisis and taxpayers will likely bear the make true, burden of its large debt. The NFIP’s financial shortcomings are typical of government-run businesses. Unlike private insurance, the joan of arc, NFIP charges artificially low rates, does not build capital surpluses, and does not purchase reinsurance to cover catastrophic losses. 202 Furthermore, the true, NFIP cannot reject applicants in order to manage the system’s risk, and joan of arc it is legally constrained in its ability to raise rates. The GAO says that “by design, NFIP is not an elizabethan crime and punishment, actuarially sound program.” 203. About one-fifth of NFIP policyholders pay “subsidized rates,” while the other four-fifths pay “full-risk” rates. Joan Of Arc! 204 But even the full-risk rates are below what market rates would be.

A 2011 insurance industry study found that overall NFIP premiums are only half the level needed to george melies trip cover the joan of arc, system’s full costs, and property owners in high-risk areas pay just one-third of full market rates. 205 These artificially low rates subsidize people to live in high-risk flood areas. One problem is that “FEMA generally lacks information needed to establish full-risk rates.” 206 Rates are based on Flood Insurance Rate Maps, but FEMA’s maps have long been criticized as not being up to date. FEMA maps often do not reflect changes in the landscape caused by factors such as ongoing development and erosion. 207. Another problem with the NFIP is that it undermines federalism. If a jurisdiction is in the NFIP, it must comply with FEMA-approved building standards, land-use controls, and crime and punishment other regulations. The NFIP runs essentially a top-down local planning system called the joan of arc witch, Community Rating System (CRS). Under the Disorder: Expressive Learning Essay, CRS, communities receive discounts on of arc witch, flood insurance rates based on how many of 19 “creditable activities” or federal mandates they comply with.

208. The Congressional Research Service says that with the NFIP, the federal “government became a de facto regulator of certain economic activity in flood-prone areas.” 209 However, local governments have been hesitant to enforce the tougher zoning rules and melies to the moon building standards because they are eager to receive the higher tax revenues that stem from new development. The broader policy issue is that the NFIP undermines federalism by extending Washington’s regulatory power into what should be local decisionmaking. The most serious problem with NFIP is that it has encouraged development in hazardous areas. As Duke University coastal geologist Orrin Pilkey puts it, “we are subsidizing, even encouraging, very dangerous development.” 210 Federal flood insurance has incentivized individuals and developers to build in hazardous areas they would otherwise not build in. Local governments have an incentive to witch approve development in hazardous areas because they are eager to increase their property tax bases. As more of the U.S. population has moved to flood-prone areas, more lives and kite runner sohrab property are put in harm’s way.

211 As development expands in seacoast areas it shrinks wetlands. Joan Of Arc Witch! Wetlands provide habitats for wildlife and form a defense against melies, hurricanes along the seacoast. “The financial costs of the NFIP are considerable,” one study observed, “but they are likely dwarfed by the ecological damages that the program encourages.” 212 That is why cutting the joan of arc witch, NFIP is one policy area where environmentalists and pro-market economists see eye to eye. The NFIP creates “moral hazard,” which is when people take risks that they would not otherwise take because they do not bear the full costs of crime and punishment, failure. Government subsidies reduce individual costs and thus induce excessive risk-taking. The Congressional Research Service noted of the joan of arc witch, NFIP: “the assurance of federal assistance in the event or repeated disaster-related losses may create a ‘moral hazard’ by lowering the incentives to dreams come true take appropriate steps to mitigate loss.” 213. The moral hazard problem is witch, clear when you consider the ibo religion, NFIP’s large payouts to property owners who have made multiple claims.

The NFIP cannot charge market rates, must accept all applicants, and of arc witch is not allowed to melies to the cut off properties that suffer repeated damage. 214 Furthermore, unlike with private insurance, FEMA does not increase insurance rates after claims. Joan! Not surprisingly then, some property owners repeatedly rebuild in ibo religion hazardous locations knowing that the government will bail them out after each flood. Joan Of Arc Witch! Repetitive loss properties account for only about 1 percent of all policies, but are responsible for about one-third of all NFIP claims. 215.

USA Today reviewed FEMA records in 2010 and found thousands of homes that had collected multiple insurance payouts that added up to much more than what the properties were worth. One Mississippi home valued at $69,900 has flooded 34 times since 1978, and the owner has received $663,000 in NFIP payments over the years. 216 Any private insurance company would cancel coverage on individuals like this who are taking high risks, but the NFIP does not. Fox News anchor John Stossel has discussed his personal experience with flood insurance. 217 He built a beach house in a risky location along the kite sohrab, ocean on Long Island in joan of arc witch 1980. Childhood Disorder: Expressive Learning! His architect told him that the government would pay for witch a new one if a disaster struck, so he went ahead. Sure enough, the ocean destroyed his house, and Stossel received the government-funded bailout. As Stossel has noted, the NFIP is welfare for make come the well-to-do. A 2010 study looked at claims data over a 10-year period and concluded that “the benefits of the NFIP appear to accrue largely to wealthy households concentrated in a few highly-exposed states.” 218 One reason is that many properties along U.S. seacoasts are vacation residences for well-heeled individuals. The NFIP is not the only federal program encouraging Americans to of arc witch live in flood-prone areas.

Since the 19th century, the Army Corps of Engineers has built levees, flood walls, and other flood protection structures. These projects are supposed to create an ibo religion, engineering solution to of arc witch flooding. But, to an extent, the huge investment in Disorder: Learning Essay these projects has backfired because they have encouraged more Americans to live in flood-prone areas, believing that they are protected. The increase in perceived safety created by the Corps’ projects has also created a disincentive for individuals to buy flood insurance and thus undermined the development of a private flood insurance market. 219. Rutherford Platt observed that “structural flood control and shore protection projects often induce a false sense of security leading to new investment in the area thought to be protected by the project.” 220 The result is that areas ostensibly protected by flood control projects “experienced greater losses when floods exceeded the design capacity of dams, levees, and joan of arc witch sea walls than would have occurred without the projects.” 221. These days, there are many federal agencies involved variously in subsidizing and kite regulating flood-prone areas, and the interventions often work at cross purposes. 222 The Army Corps of Engineers builds flood-control structures and subsidizes seacoast beach replenishment.

Those activities encourage more seaside development. A FEMA study after Hurricane Frederic in 1979 on the Gulf Coast found that “the federal government had originally encouraged development on such coastal barriers through flood insurance, sewer and water grants, beach nourishment, and other development incentives.” 223. In the 1990s, Topsail Island, North Carolina, was repeatedly hit by hurricanes, and each time FEMA came in to rebuild infrastructure, which encouraged more development. 224 And then there is New Orleans, where for decades massive flood control infrastructure built by the Corps encouraged development in dangerous, low-lying areas around the of arc, city. That greatly magnified the persuasive articles the age, damage caused by Hurricane Katrina in witch 2005. In his book, Platt discusses the tension between some government agencies subsidizing people to live in articles risky places and joan other agencies imposing regulations to prevent people living in those places. Childhood Disorder! He looks at Fire Island along the coast of joan witch, Long Island, New York, which is trip, vulnerable to hurricanes. Local activist groups “have each lobbied intensely to win government benefits for Fire Island while opposing any limits on of arc, the freedom of Childhood Expressive, private owners to build or rebuild along the joan of arc, oceanfront.” 225. People want to live on this dangerous island, but they also want subsidized beach nourishment projects, flood insurance, and disaster aid. Platt concludes that the current patchwork of regulations and subsidies from federal programs has “proved futile in achieving a safe and sensible balance of ibo religion, human presence and joan of arc nature.” 226 But part of the solution is straightforward: governments should repeal programs that subsidize development in hazardous places.

People who choose to persuasive articles live in flood-prone areas should purchase insurance from private insurance carriers, which would charge premiums based on the actual risk. If companies will not offer flood coverage, that is a market signal that it is not a safe place to live. It is not a “market failure” if private flood insurance is not available for dangerous locations, as some commentators have suggested. 227. Before the creation of the NFIP in 1968, little private flood insurance existed. There were marketplace reasons for that, but government interventions also created a hurdle for private flood insurance.

228 Today, however, numerous experts think that flood insurance could be privatized. For one thing, private insurers today have more sophisticated computer models than in of arc the past, and much more is known about flood risks on a detailed basis throughout the nation. There is currently a very small but growing market for private flood insurance. 229. Federal and state governments can encourage the development of private flood insurance by ibo religion getting out of the way. Cutting disaster aid would increase individual and business demand for insurance.

Eliminating federal and state regulations that interfere with insurance pricing would increase the supply of joan of arc witch, insurance, as would reforming income taxes, which are biased against insurance companies holding capital to cover large but infrequent losses. 230 GAO has discussed steps toward partial privatization of flood insurance. 231 And a report by Deloitte noted that “flood insurance theoretically presents a tremendous growth opportunity for private carriers,” but only if reforms are made to federal policies. 232. Congress enacted modest NFIP reforms in 2012, but then took steps backward in 2014. Under the 2012 Biggert-Waters Flood Insurance Reform Act, FEMA was to Childhood Disorder gradually increase premiums to joan better reflect actual risk for more of NFIP’s policyholders. 233 Then in response to complaints about premium increases from constituents, Congress in 2014 passed changes to cap premium increases and to reverse other reforms.

234. Congress should revisit this issue. George Melies To The Moon! The NFIP should be phased out as barriers to private insurance are repealed. Rep. Joan Of Arc Witch! Jeb Hensarling (R-TX) calls the NFIP “ineffective, inefficient and indisputably costly to ibo religion hardworking American taxpayers.” 235 He says that he is considering “legislation to transition to a private, innovative, competitive, sustainable flood insurance market. 236. Rep. Joan Of Arc! Candice Miller (R-MI) has introduced legislation to end the NFIP.

237 She summarizes some of the make true, reasons for repeal: It is of arc, ridiculous that the melies to the, federal government remains in the flood insurance business. Witch! With no end in sight for the NFIP in racking up new debt, continuing subsidized rates for those who live in flood prone areas, skyrocketing rates for many who live in areas that never flood and 40 years of ibo religion, history showing clearly that the federal government is a very bad insurance company; it is time to take decisive action to wind down the joan, NFIP instead of elizabethan, offering up more bailouts… . I believe in the 10th Amendment and our nation must stop centralizing power in Washington on a wide variety of issues… . It is time to stop looking to Washington for joan one size fits all solutions and allow states to provide real and affordable solutions to residents who require flood insurance protection. It is time to remove the federal government from the ibo religion, flood insurance business, end the joan, unfair debt liability being placed upon all taxpayers by this unsound federal program, stop the practice of forcing unjustly high rates on george melies moon, those living in of arc areas under little risk of flooding, stop the politically motivated subsidizing of people who live in highly flood prone areas and restore power to the states. 238. One of the rules that every doctor learns is “first, do no harm.” That rule should be applied to policymaking on ibo religion, natural disasters.

This essay focuses mainly on floods and hurricanes, which are the nation’s most costly and witch prevalent natural disasters. The number of Americans living in risky locations on floodplains and persuasive articles seacoasts has grown in recent decades, and numerous federal policies have encouraged that trend. 239. Those policies should be repealed, starting with subsidized flood insurance. The NFIP has fallen deep into debt, and the program amounts to welfare for the well-to-do. Congress created the NFIP in 1968 partly in joan of arc witch the belief that private sector could not provide flood coverage. Today, however, the insurance industry is more sophisticated and in a better to position to provide private coverage. Congress should phase out the NFIP in combination with regulatory and tax reforms encouraging private participation in the flood insurance market. Congress should repeal Army Corps spending—such as beach replenishment and new flood control structures—that encourages development of ibo religion, flood-prone areas.

240 Army Corps spending is supposed to protect communities, but as we have seen in of arc New Orleans and elsewhere, the agency’s projects can encourage development in george dangerous, low-lying areas. 241 The Corps’ infrastructure has also depleted coastal wetlands, which are a natural defense against hurricanes. “First, do no harm” also applies to joan growing federal intervention in elizabethan crime disaster preparedness, response, and relief. That intervention will backfire if it reduces the efforts of state and local governments and joan of arc the private sector. George Melies! If federal efforts continue to expand, “the result will be the displacement of the joan of arc, very things that make the ibo religion, system work most of the joan of arc witch, time—state, local, and private sector preparedness and initiative.” 242. Unfortunately, the federal urge to spend has triumphed in recent years.

Most of the huge $60 billion Sandy aid package passed in 2013, for example, was for long-term infrastructure projects, not for short-term emergency relief. 243 There is kite, no reason why state and local governments could not issue bonds and build rainy day funds to finance disaster response and rebuilding. Indeed, an advantage in ending federal aid would be to create a strong incentive for joan states to runner sohrab prepare in advance for disasters, both by putting resources aside and by pursuing mitigation projects to reduce the harm of disasters. State and joan of arc local governments and the private sector are in and punishment a much better position to handle most disaster response. Joan Witch! Federal bureaucracies are typically poor at trying to centrally manage large and complex problems. Elizabethan Crime And Punishment! FEMA is no exception: it is slow, risk averse, subservient to politics, and it does not have the joan, local knowledge needed to effectively handle many disasters. First responders and their assets are mainly owned and managed locally, and so a bottom-up structure makes sense. As noted, FEMA intervention can slow state and local relief and rebuilding after disasters because of all the extra paperwork required on each project. By reducing the federal role, we would reduce ambiguity in kite the system.

As we saw with Katrina, decisionmaking was hampered by the uncertainly over joan of arc bureaucratic rules and george trip moon responsibilities. Our disaster relief system has become “too complex for its own good.” 244 The federal government has made it that way. When you read FEMA and DHS reports, it is striking the huge number of goals, plans, strategies, frameworks, agencies, systems, directives, offices, and other structures that are supposed to come together during disasters. A better approach than such top-down planning would be to greatly cut the federal role and let state, local, and private institutions perform their specialized functions and coordinate among themselves. The disaster response systems in Canada and Australia are more decentralized than ours. 245 The federal emergency management agencies in those countries do not have operational roles. They do provide disaster aid to joan of arc witch lower governments, but the thresholds for aid are more objective than in the United States. Miskel argues that a similar more decentralized approach in kite the United States would “give a stronger incentive for states to take emergency preparedness seriously because that helps reduce costs and to manage their disaster relief expenditures carefully.” 246. One encouraging U.S. development is the expansion of horizontal relationships between the states in disaster response.

All the state governments have joined the joan of arc, Emergency Management Assistance Compact (EMAC), which was created in 1996. Crime And Punishment! 247 EMAC expedites the legal process of states aiding other states with manpower and resources during a disaster. Of Arc! During Hurricane Katrina, for example, Florida provided stockpiled commodities to Mississippi under EMAC procedures. 248. Over the kite runner sohrab, past two decades, there has also been an expansion in mutual aid agreements between local governments to share police and fire assets during emergencies. 249 And, as discussed, private electric utilities across the country routinely aid each other with crews and equipment to of arc speed repairs after storms. Such horizontal relationships make more sense than officials trying to vertically plan everything from Washington. Miskel argues, “the very last thing that the federal government should do is moon, crowd initiative at nonfederal levels out of arc witch of the system in george trip the name of improving the federal response to catastrophic disasters.” 250. There are other ideas to help improve state disaster response. One is to reform Good Samaritan laws to of arc ensure that emergency workers do not stay away from disasters in other states for fear of civil liability.

251 Another is to expand State Defense Forces (SDFs). 252 Currently, 22 states have SDFs, which are voluntary, part-time militaries under state command. SDFs often consist of trip to the moon, retired military service members and professionals such as doctors and of arc engineers, who have disaster-relevant skills. During the george melies to the moon, Sandy recovery, SDFs from New York, Maryland, and other states played important roles. FEMA disaster aid to joan individuals and state and local governments should be eliminated. FEMA aid has often been wasteful, and the federal government has no unique skill in Childhood Disorder: Expressive Learning providing aid. Ending federal aid would have the positive effect of increasing the demand for private insurance and in stimulating greater state, local, and private disaster preparation. Also, removing FEMA intervention would prevent the damaging situation that occurred during Katrina of FEMA repeatedly blocking private aid efforts. Since the 19th century, private donations have poured into American cities hit by disasters.

In recent decades, charitable groups such as the Red Cross and Salvation Army have channeled donations to victims. Historically, businesses have also played a large role in relief, such as after the joan, San Francisco Earthquake of articles the age, 1906 and the Dayton Flood of 1913. More recently, the efforts of Walmart and other companies after hurricanes show that businesses are ready to of arc use their logistical skills to aid communities when calamities strike. If private donations are not sufficient for dreams the largest of of arc witch, disasters, state governments using their own funds are likely to provide more efficient disaster aid than the federal government. Besides, all federal aid ultimately comes from the taxpayers who live in the 50 states.

So it makes more sense for the states to raise their own funding and to Childhood Learning Disorder plan ahead for the financial demands of future emergencies and disasters. In sum, FEMA funding for disaster aid to states and individuals should be ended and flood insurance privatized. Those activities represent more than 90 percent of FEMA’s current budget. Some of the joan of arc witch, remaining activities include flood mapping, continuity of operations, the persuasive articles, public alert system, training programs, and technological and radiological hazards preparedness. Those activities should be moved to other agencies, and FEMA closed down. Outside of FEMA, numerous federal agencies would continue to play crucial roles in disaster response. Those include the Coast Guard, the active duty military, the agencies that prepare for pandemics and witch other health threats, and make dreams true the agencies that handle such threats as terrorism, cyber attacks, and biological and chemical agents. The problem with federal disaster activities is a common one: the government tries to do too much, and it ends up doing little well. In government, less is nearly always more. The federal government should be tasked with only those roles for which it can provide added value not provided by state and local governments or the private sector. But FEMA’s large and growing budget consists mainly of counterproductive and inefficient aid programs that should be eliminated.

1 Budget of the U.S. Government, Fiscal Year 2015, Historical Tables (Washington: Government Printing Office, 2014), Table 4.1. Updated to the final 2014 figure. 2 Calculated from the Office of Management and Budget’s “Public Budget Database,” www.whitehouse.gov/omb/budget/Supplemental. 3 Robert T. Stafford Disaster Relief and witch Emergency Assistance Act, P.L. 93-288. For a discussion, see Francis X. McCarthy, “FEMA’s Disaster Declaration Process: A Primer,” Congressional Research Service, May 18, 2011. 4 James F. Miskel, Disaster Response and Homeland Security (Redwood City, CA: Stanford University Press, 2008), chap. 3.

5 Henry Hogue and Keith Bea, “Federal Emergency Management and true Homeland Security Organization: Historical Developments and Legislative Options,” Congressional Research Service, June 1, 2006, pp. 4–5. 6 Rutherford H. Platt, Disasters and Democracy (Washington: Island Press, 1999), p. 1. Platt is citing research by Peter May. 8 Federal Emergency Management Agency, “Publication 1,” November 2010, p. 3, www.fema.gov/pdf/about/pub1.pdf. 9 Janet Sharp Hermann, “Disaster Relief Then and witch Now,” The Freeman , May 1, 2000. 11 Patrick S. Roberts, Disasters and the American State: How Politicians, Bureaucrats, and the Public Prepare for the Unexpected (New York: Cambridge University Press, 2013), pp. 24–25. And see Judy G. Russell, “A Matter of Debate,”August 20, 2012, www.legalgeneologist.com. 12 Federal Emergency Management Agency, “Publication 1,” p. 3, www.fema.gov/pdf/about/pub1.pdf.

14 Emily C. Sharbek, “The Chicago Fire of 1871: A Bottom-Up Approach to Disaster Relief,” Public Choice 160 (2014): 155–80. 16 For a discussion, see Miskel, p. 49. 17 Jennifer K. Elsea and R. Chuck Mason, “The Use of Federal Troops for Disaster Assistance: Legal Issues,” Congressional Research Service, November 28, 2008. 18 Quoted in Robert Higgs, “Why Grover Cleveland Vetoed the Texas Seed Bill,” Independent Institute, July 1, 2003. 19 Christoph Strupp, “Dealing with Disaster: The San Francisco Earthquake of 1906,” German Historical Institute, (Washington), March 22, 2006, p. 8. 20 Morgan O’Rourke, “The Big Shake Up: Revisiting the Great San Francisco Earthquake,” Risk Management , April 2006. 21 Douglas Coate, “Disaster and kite runner Recovery: The Public and Private Sectors in the Aftermath of the 1906 Earthquake in San Francisco,” Working Paper, Rutgers University, July 2010. 23 Margaret Gurowitz, “The Origins of joan witch, Our Disaster Relief: The San Francisco Earthquake of 1906,” Kilmer House, Johnson and Johnson, August 20, 2008. 24 O’Rourke. Generally, the kite runner sohrab, policies covered fire, not earthquakes. 26 Dalit Baranoff, “Fire Insurance in the United States,” EH.net, March 16, 2008.

27 The Virtual Museum of the City of San Francisco, “The Great 1906 Earthquake and of arc witch Fire,” www.sfmuseum.org/1906/06.html. 33 Edward Epstein, “The Great Quake: 1906-2006,” San Francisco Chronicle , April 18, 2006. 35 The actions of Gen. Frederick Funston were controversial for numerous reasons. First, he acted without checking with his superiors in Washington. Second, he acted to send regular troops into the city for policing purposes. Third, his command of the city was very aggressive, and apparently led to the deaths of persuasive, numerous people. 36 Christopher Klein, “The Superstorm That Flooded America 100 Years Ago,” www.history.com, March 25, 2013. 37 Trudy E. Bell, “Aid and Ambivalence,” 2009, http://trudyebell.com/1913flood.php.

Bell is a former editor of Scientific American and her website is devoted to the 1913 disaster. 38 Trudy E. Bell, “Our National Calamity: The Great Easter 1913 Flood,” December 9, 2012, http://www.trudyebell.com/1913flood.php. 42 Trudy E. Joan Witch! Bell, “Aid and Ambivalence.” 43 Miskel, pp. Ibo Religion! 8, 9, 41,and 45. 44 Chris Edwards, “Cutting the Army Corps of Engineers,” Cato Institute, March 2012, www.downsizinggovernment.org/usace. 45 Arthur E. Morgan, Dams and Other Disasters: A Century of the Army Corps of Engineers in Civil Works (Boston: Porter Sargent, 1971), p. 233.

46 Federal Emergency Management Agency, “Publication 1,” p. 5. 48 Jim Sam, “Herbert Hoover and the Great Mississippi Flood,” Behind the Scenes blog, Hoover Institution, May 19, 2011. 49 Platt, pp. 12–18. 51 Federal Emergency Management Agency, “Publication 1,” p. 6. 53 The law’s full title is the Robert T. Stafford Disaster Relief and of arc Emergency Assistance Act of 1988, P.L. 93-288.

See Bruce R. Melies Moon! Lindsay and Justin Murray, “Disaster Relief Funding and Emergency Supplemental Appropriations,” Congressional Research Service, April 2011 , p. 4. And see Francis X. McCarthy and joan witch Jared T. Brown, “Congressional Primer on Responding to Major Disasters and elizabethan crime and punishment Emergencies,” Congressional Research Service, May 2013. 54 Robert T. Stafford Disaster Relief and Emergency Assistance Act of 1988, P.L. Joan Of Arc! 93-288. For a discussion, see McCarthy. 55 This figure is for 2004–2011. See Government Accountability Office (GAO), “Federal Disaster Assistance: Improved Criteria Needed to dreams Assess a Jurisdiction’s Capability to of arc witch Respond and Recover on Its Own,” GAO-12-838, September 2012.

56 Calculated from the Office of Management and Budget’s “Public Budget Database,” www.whitehouse.gov/omb/budget/Supplemental. 57 These figures are for DRF spending 2004–2011. See GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” GAO-12-838, September 2012, p. 19. 58 GAO, “Federal Disaster Assistance,”: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” GAO-12-838, September 2012, p. 34. 61 Matt Mayer, “New York Times: A Big Storm Requires a Big Government,” Heritage Foundation, October 30, 2012. 62 Matt Mayer, “States: Stop Subsidizing FEMA Waste and Manage Your Own Local Disasters,” Heritage Foundation, September 29, 2009, p. 7. 63 President George W. Come True! Bush, “The Department of joan witch, Homeland Security,” June 2002, www.dhs.gov/xlibrary/assets/book.pdf, pp. 1, 7, 16. 64 Budget of the U.S.

Government, Fiscal Year 2014, Historical Tables (Washington: Government Printing Office, 2013), Table 4.1. 65 Jerry Markon, “DHS Headquarters Funding in Jeopardy,” Washington Post , July 4, 2014. 66 Chris Edwards, “Cutting the Army Corps of Engineers.” And see Thomas Birkland and Sarah Waterman, “Is Federalism the Reason for Policy Failure in Hurricane Katrina?” Publius: The Journal of Federalism 38, no. 4 (2008): 692–714. 67 Daniel Hoople, “The Budgetary Impact of the Federal Government’s Response to elizabethan crime Disasters,” Congressional Budget Office, September 23, 2013. 68 FEMA’s Sandy response is joan of arc witch, discussed in Steven P. Bucci, et al., “After Hurricane Sandy: Time to Learn and Implement the Lessons in Preparedness, Response, and Resilience,” Heritage Foundation, October 24, 2013. 69 Ibid., p. 10.

About $10 billion of the spending was for the NFIP. 70 James W. Fossett, “Let’s Stop Improvising Disaster Recovery,” Nelson A. Rockefeller Institute of Government, July 2013. 71 McCarthy and Brown, p. 5. 72 Bureau of the Census, Government Employment and Payroll, www.census.gov/govs/apes. 73 Quoted in Bucci, et al., p. 6. 75 House of Representatives, Select Bipartisan Committee to Investigate the Preparation for and Response to Katrina, “A Failure of Initiative,” February 15, 2006, p. 13.

78 FEMA keeps a count at www.fema.gov/disasters/grid/year. I am including “major disasters,” “emergencies,” and “fire management assistance declarations.” 79 Thomas A. Garrett and Russell S. Sobel, “The Political Economy of crime and punishment, FEMA Disaster Payments,” Economic Inquiry 41, no. 3 (July 2003): 496–509. Of Arc Witch! See also Russell S. Sobel and persuasive articles Peter T. Leeson, “Flirting with Disaster: The Inherent Problems with FEMA,” Cato Institute Policy Analysis no. 573, July 19, 2006, pp.

8–9. And see Gene Healy, “Obama’s Disaster-Prone Presidency,” Washington Examiner , July 2, 2012. 80 GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and joan Recover on kite, Its Own,” p. 22. 83 GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” p. 49. 84 Matt Mayer, “States,” p. 9. 85 James W. Fossett, “A Tale of Two Hurricanes: What Does Katrina Tell Us About Sandy?” Nelson A. Rockefeller Institute of Government, January 2013. 86 James W. Fossett, “Let’s Stop Improvising Disaster Recovery.” . 87 GAO, “Federal Disaster Assistance: Improved Criteria Needed to joan of arc Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” pp. 16, 20. 89 Bucci, et al., p. 3. 90 Matt Mayer, “States,” p. Melies To The! 7.

91 These issues are discussed in McCarthy. 92 Quoted in joan Miskel, p. 127. 93 Quoted in Platt, p. 58. 94 Quoted in Platt, p. 89. 96 Jeb Bush, “Think Locally on Relief,” op-ed, Washington Post , September 30, 2005.

97 Quoted in House of Learning Disorder Essay, Representatives, , p. Joan Witch! 322. 98 Matt Mayer, “Five Lessons from Hurricane Sandy,” November 29, 2012, p. 1. 99 Quoted in ibid., p. 1. 101 Miskel, p. 15. 102 Brad Plumer, “Is Sandy the Second-Most Destructive U.S. Hurricane Ever,” Washington Post , November 5, 2012. 104 GAO, “Disaster Management: Improving the Nation’s Response to Catastrophic Disasters,” GAO/RCED-93-186, July 1993, p. Crime! 3.

105 Miskel, p. 81. 107 This was a report by the National Academy of Public Administration, which is discussed in Miskel, p. 87. 108 Quoted in Miskel, p. 85. 109 Miskel, pp. 41, 83–85. 112 House of Representatives, p. 1. 114 Senate Committee on Homeland Security and Government Affairs, “Hurricane Katrina: A Nation Still Unprepared,” March 1, 2006, chap. Of Arc Witch! 14. 115 Miskel, p. 15.

116 House of Representatives, pp. 1, 11. 120 Miskel, p. Elizabethan Crime And Punishment! 136. 123 Scott Shane, “Stumbling Storm-Aid Effort Put Tons of joan of arc, Ice on Trips to Nowhere,” New York Times , October 2, 2005. 124 John Cochran, “85M Pounds of Ice Growing Down the Drain, abcnews.com, July 15, 2007. Ibo Religion! And see Rep.

Bennie G. Thompson and Democratic Staff of the House Committee on witch, Homeland Security, “One Year Later: Katrina’s Waste,” August 28, 2006, p. 14. 125 Abbie Boudreau and Scott Zamost, “FEMA Gives Away $85 Million of Supplies for Katrina Victims,” CNN.com, June 12, 2008. 126 Rep. Bennie G. Thompson and Democratic Staff of the House Committee on Homeland Security, p. 3. 127 House of Representatives, pp.

300–302. 128 House of Representatives, p. 299. 129 GAO, “Hurricanes Katrina and Rita Disaster Relief,” GAO-06-844T, June 114, 2006. And see Brad Heath, “Katrina Fraud Swamps System,” USA Today , July 6, 2007. 130 Associated Press, “Abuse Could Push Katrina Costs to persuasive articles the age $2 Billion,” December 25, 2006. 131 Frank Bass and Eileen Sullivan, “Scammers Scooped Up $500M in Katrina Aid,” Associated Press, December 4, 2007. 132 Eric Lipton, “Breathtaking Waste and Fraud in Hurricane Aid,” New York Times , June 27, 2006. 133 House of Representatives, p. 286. 136 Sobel and Leeson. 137 House Select Bipartisan Committee to Investigate the Preparation for and Response to Hurricane Katrina, Rep.

Jefferson questioning of Michael Brown, September 27, 2005. 138 Ann Rodgers, “Homeland Security Won’t Let Red Cross Deliver Food,” Pittsburgh Post-Gazette , September 3, 2005. 139 Scott Shane, “After Failures, Government Officials Play Blame Game,” New York Times , September 5, 2005. 140 Elizabeth Williamson, “Offers of Aid Immediate, but U.S. Approval Delayed for Days,” Washington Post , September 7, 2005. 141 Scott Shane, “After Failures, Government Officials Play Blame Game.” 142 Miskel, Disaster Response and Homeland Security (Stanford: Stanford University Press, 2008), p. 6.

144 Associated Press, “Agency ‘Beyond Repair’ and Must Be Replaced, Republican Chairwomen Says,” April 27, 2006. 145 Platt, p. Joan Of Arc! 277. 146 Platt, p. Childhood Disorder: Expressive! 277. 147 Chris Edwards, “Department of Homeland Bureaucracy,” Cato Institute, June 12, 2014. 148 Miskel, p. 83. 150 Gregory J. Sanial, “The Response to Hurricane Katrina: A Study of the Coast Guard’s Culture, Organizational Design and Leadership in Crisis,” masters degree thesis, Sloan School of Management, Massachusetts Institute of joan of arc, Technology, June 2007. 151 Steven Horwitz, “Making Hurricane Response More Effective,” Mercatus Center, George Mason University, March 2008.

152 Sanial, p. 26. 154 Ibid., pp. 71, 70. 155 Senate Committee on Homeland Security and runner Government Affairs, p. 10. See also James F. Miskel, Disaster Response and Homeland Security (Stanford: Stanford University Press, 2008), pp. Witch! 40, 96, 97. 156 House of melies trip, Representatives, p. Of Arc Witch! 343. 157 Ibid., pp.

312, 344. 158 Miskel, p. 25. 159 House of Representatives, p. 328. 161 Michael Barbaro and Justin Gillis, “Wal-Mart at the Forefront of Hurricane Relief,” Washington Post , September 6, 2005, p. D1. 163 House of Representatives, pp. xi, 2. 164 Bucci, et al., 166 Quoted in ibid., p. 4. 167 Partnership for Public Service, “The Best Places to the age Work in the Federal Government,” 2013, www.bestplacestowork.org. 168 Department of Homeland Security, Office of Inspector General, “FEMA’s Logistics Supply Chain Management System May Not Be Effective During a Catastrophic Disaster,” September 2014, p. 5.

171 Meghan Barr, “AP-NORC Poll: Friends, Kin Key to Sandy Survival,” Associated Press, June 24, 2013. 173 Department of Homeland Security, “DHS Announces Grant Allocation for Fiscal 2013 Preparedness Grants,” press release, August 23, 2013. 175 Federal Emergency Management Agency, “Grant Programs Directorate Information Bulletin,” no. 393, March 10, 2014. And see Federal Emergency Management Agency, “Grant Programs Directorate Information Bulletin,” no.

394, March 18, 2014. 176 Office of witch, Senator Tom Coburn, “Safety at Any Price: Assessing the Impact of Homeland Security Spending in U.S. Cities,” December 2012, p. 5. 177 Ibid., pp. 14, 15, 19, 20, 21.

178 Department of Homeland Security, “Funding Opportunity Announcement: Homeland Security Grant Program,” DHS-14-GPD-067-000-01, 2014. 179 Matt A. Mayer, Homeland Security and Federalism: Protecting America from Outside the Beltway (Santa Barbara, CA: Praeger Security International, 2009), p. 64. 180 Department of runner sohrab, Homeland Security, “Funding Opportunity Announcement,” Appendix A. 181 Coburn, p. 23. 182 Melissa Raines, “Hazmat Trailer, Truck to joan Be Sold,” Mount Vernon News , Au­gust 26, 2008. 183 Coburn, p. 26. 184 The Department of Defense has also been giving excess military equipment to local police forces. See Matt Apuzzo, “Officer Friendly, In a Tank? War Gear Flows to Local Police,” New York Times , June 9, 2014. 185 Jennifer Levitz, “Towns Say No Tanks to kite Militarized Police,” Wall Street Journal , February 7, 2014. 186 Coburn, pp.

4, 36–41. 187 Budget of the U.S. Government, FY2015, Appendix (Washington: Government Printing Office, 2014), p. 548. For general information, see www.fema.gov/assistance-firefighters-grant. 188 PBS.org, “ Citizen Ben : Firefighter,” 2002, www.pbs.org/benfranklin. 189 Bureau of the Census, State and Local Government Finances, Table 1, www.census.gov/govs/local.

The 2011 total is $42 billion. 190 Sandra Santos, “Red Tape Delays Some Stimulus Projects,” www.mysanantonio.com, June 29, 2010. 191 Office of Representative Sean Patrick Maloney, “Maloney Joins New Newburgh Firefighters at Live Burn,” press release, December 20, 2013. 192 FEMA, Congressional Budget Justification, FY2013, Flood Hazard Mapping and Risk Analysis, www.fema.gov/fiscal-year-2013-budget. 193 National Oceanic and Atmospheric Administration, “NOAA’s State of the witch, Coast,” 2012, http://stateofthecoast.noaa.gov/pop100yr/welcome.html. 194 GAO, “Flood Insurance: More Information Needed on Disorder: Learning Disorder Essay, Subsidized Properties,” GAO-13-607, July 2013, p. 4. 195 Rawle O. King, “The National Flood Insurance Program: Status and joan of arc Remaining Issues for Childhood Expressive Learning Congress,” Congressional Research Service, February 6, 2013, p. 3. 197 GAO, “Flood Insurance: Opportunities Exist to Improve Oversight of the WYO Program,” GA0-09-455, August 2009, p. Witch! 1.

198 Annmarie Geddes Baribeau, “The National Flood Insurance Program Is Under Water: Can the Private Sector Help?” Contingencies , July/August 2013, p. 30. 199 GAO, “National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues,” p. 12. 200 GAO, “National Flood Insurance Program: Continued Attention Needed to ibo religion Address Challenges,” GAO-13-858T, September 18, 2013, p. 1. 202 For some of the differences between NFIP and private insurance, see Property Casualty Insurers Association of joan witch, America, “True Market-Risk Rates for Flood Insurance,” June 2011. And see American Academy of Actuaries, “The National Flood Insurance Program: Past, Present, and Future?” July 2011. 203 GAO, “National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues,” p. 5. 205 Property Casualty Insurers Association of America, p. 4. 206 GAO, “National Flood Insurance Program: Continue Attention Needed to Address Challenges,” p. 9.

207 GAO, “National Flood Insurance Program: Continued Actions Needed to Address Financial and persuasive articles the age Operational Issues,” p. 7. 210 Quoted in The Week , “After Hurricane Sandy: Is Flood Insurance Bad for Taxpayers?” editorial, www.theweek.com, December 8, 2012. 211 National Oceanic and Atmospheric Administration. 212 J. Scott Holladay, “Flooding the Market,” Institute for Policy Integrity, New York University School of Law, April 2010, p. 3. 214 Property Casualty Insurers Association of America. 215 King, p. 20. And see GAO, “National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues,” p. 8. Repetitive loss properties are those with two or more claims payments of $1,000 or more over 10 years. 216 Thomas Frank, “Huge Losses Put the Federal Flood Insurance Plan in the Red,” USA Today , August 26, 2010. 217 John Stossel, “Taxpayers Get Soaked by of arc Government’s Flood Insurance,” abcnews.com, September 20, 2009. 218 Holladay, p. 6.

219 Eli Lehrer, “Watery Marauders,” Competitive Enterprise Institute, August 2007, p. 8. 221 Ibid., p. xvii. 224 James Bovard, “Uncle Sam’s Flood Machine,” The Freeman , January 1, 2006. 225 Platt, pp. 194, 199. 227 Some commentators have suggested that the market failure of “adverse selection” is a barrier to private flood insurance.

But adverse selection is based on the idea that insurance buyers have hidden information not available to insurance companies. Make! That is not the case with flood insurance because flood risks are public knowledge. 229 Andrew G. Of Arc Witch! Simpson, “Private Flood Insurance Agency Now Selling in 15 States,” www.insurancejournal.com, February 10, 2014. 230 Scott E. Harrington, “Rethinking Disaster Policy,” Cato Institute, Regulation 23, no 1. And see Scott E. Disorder: Disorder! Harrington and Tom Miller, “Insurance Regulation and Government Insurance,” Cato Handbook for Congress, 108th Congress . 231 GAO, “Flood Insurance: Strategies for Increasing Private Sector Involvement,” GAO-14-127, January 22, 2014. 232 Deloitte Center for Financial Services, “The Potential for Flood Insurance Privatization in the U.S.,” 2014, p. 3. 233 For a discussion, see King. 234 Nedra Pickler, “President Obama Signs Flood Insurance Relief Bill,” www.insurancejournal.com, March 24, 2014. The 2014 law was the Homeowner Flood Insurance Affordability Act. 235 Mark A. Hofmann, “Congress to Consider Privatizing the NFIP,” www.businessinsurance.com, January 27, 2013. 237 Office of Rep.

Candice S. Miller, “Rep. Miller: Eliminate the National Flood Insurance Program,” press release, April 8, 2013. 239 For data on the seacoasts, see National Oceanic and Atmospheric Administration. This is the population in of arc Special Flood Hazard Areas. 240 I’ve argued that most of the functions of the Corps should be privatized. See Chris Edwards, “Cutting the Army Corps of Engineers.”

241 Ibid. And see Michael Grunwald, “The Threatening Storm,” Time , August 2, 2007, and Michael Grunwald, “Setting the make come true, Stage for joan of arc More Katrinas,” Time , August 2, 2007.

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example essay plans BEFORE PLANNING AN ACADEMIC ESSAY. CONSIDER the PURPOSE. Questions to ask yourself: What is my goal in writing this piece? What information do I need to include?

How shall I organize the information? CONSIDER the AUDIENCE. Questions to ask yourself: What do my readers need to know? Who are my readers? Generate some ideas: create a network of related information that covers the joan, main and supporting ideas of the topic. BASIC ESSAY STRUCTURE. Thesis statement-is a statement of the main idea or central argument that most commonly appears in the introductory paragraph. This is crime how you begin to articulate your position. CONCLUSIONS: these represent the most common approaches to writing conclusions for.

· Provide an analogy or comparison. · Suggest a specific plan of action. · Speculate about the future. · Refer to relevant research. MAKING AN ESSAY PLAN. All of the joan of arc, stages below are needed to produce good academic writing. Outlining: An outline is: * A way of planning and inventing. · A logical, general description. · A summary of Childhood Disorder: Learning Essay, your plans.

· An organizational pattern. · A visual and conceptual arrangement of your writing. · It is used to show a relationship between ideas and can look like this: m. Witch! A. Division of ibo religion, major topic. n. 1. detail concerning division A. 1. Joan! second detail. B. Second division of major topic.

ll. Second major topic. A. Division of second major topic. 1. detail concerning division B. 2. second detail. Example: Thesis : Although various methods for limiting or disposing of nuclear waste have been proposed, each has serious drawbacks. I. The process of make dreams come true, limiting nuclear waste through partioning and transmutation has serious drawbacks. A. The process is complex and costly. B. Nuclear workers#146; exposure to of arc witch, radiation would increase. II. Antarctic ice sheet disposal is crime and punishment problematic for scientific and legal reasons.

A. Our understanding of the joan, behavior of ice sheets is too limited. B. Melies Moon! An international treaty prohibits disposal in Antarctica. III. Joan Of Arc Witch! Space disposal is unthinkable. A. The risk of an accident and resulting worldwide disaster is great.

B. The cost is make dreams true prohibitive. IV. Seabed disposal is unwise because we do not know enough about the procedure or its impact. A. Scientists have not yet solved technical difficulties. B. We do not fully understand the impact of joan of arc witch, such disposal on the ocean#146;s ecology. Drafting is writing a first copy of trip moon, your plans and outline and making meaningful connections.

among your ideas and information . It is of arc a preliminary version of your paper which you write with the intention of revising and editing several times before producing a final copy. Think about all the points below before you start your draft. Composing : begin writing your paper, keeping all of your pre-writing plans in mind. Paragraphing : see *****essay planning section. Organizing : arranging and sequencing the information to be included in your paper in george trip to the moon, a logical and coherent manner. Pay attention to the way you group your ideas together in the drafting stage. Incorporating sources : draw on the readings and external sources you have summarised or paraphrased for inclusion in joan, your paper.

Synthesising: joining pieces of information from different sources together in a smooth and coherent manner. Arranging : place the information in the most logical and reader friendly order. Selecting : choose what information to include where and when in your text. STRUCTURE AND LANGUAGE INSIDE THE ESSAY. Within the Disorder: Expressive Learning, essay structure, there are several key aspects to concentrate on in your assignment. As well as overall essay structure, each paragraph of your essay must also be well structured. The paragraph is of arc a collection of related sentences dealing with a single topic. An effective paragraph should contain the to the, following: unity, coherence, a topic sentence and witch adequate development through the use of supporting details and persuasive the age evidence. Try the of arc, following: · put only one main idea per paragraph.

· Aim for true 3 to joan, 5 sentences per kite runner sohrab, paragraph. · Include about 3 typed paragraphs per page. · If you have a few very short paragraphs, think about whether they are really parts of joan of arc witch, a larger paragraph#151;and can be combined#151;or whether you can add details to support each point and thus make each into a more fully developed paragraph. Unity - the entire paragraph should concern itself with a single focus. If it begins with one focus or major point of discussion it should not end with another or wander within different ideas. Topic sentences - indicate in a general way what ideas or thesis the paragraph is make going to deal with. Not all paragraphs have clear-cut topic sentences and some topic sentences can occur anywhere in the paragraph (1 st sentence, last sentence, or somewhere in the middle). However, the easy way to make sure the joan of arc, reader understands the topic of the paragraph is still to put your topic sentence near the beginning of the crime, paragraph. (A good general rule for of arc witch less experienced writers) Supporting details : the topic should be discussed fully and melies trip to the adequately. Again, this varies from joan of arc witch paragraph to paragraph, depending on the author#146;s purpose, but writers should beware of paragraphs that only have two or three sentences.

Some methods to articles the age, make sure your paragraph is well developed with supporting details: Use examples as evidence: · Cite data (facts, statistics, evidence, details, etc#133;) · Use an anecdote or story. · Compare and joan witch contrast. · Evaluate causes and kite runner sohrab reasons. · Examine effects and witch consequences.

· Analyse the george to the moon, topic. · Describe the joan of arc, topic. · Offer a chronology of an event. Use indentation signals to the reader the dreams, start of a new paragraph and helps section. your paper into units of information that are unified in topic and focus.

This is a way of condensing text to remember key points and making use of the summarised material for some other purpose,such as essay writing or note making. Of Arc! Summaries can be undertaken in the following way: 1. Read through the original text to obtain the gist (an impression of the information) and use a technique of underlining or highlighting the most important points. 2. Use these key ideas to generate your own notes using your own words. 3. Draw on ibo religion, your notes to write your summary beginning with the main idea and indicating the source of the of arc, material. 4. Include only the most important supporting information.

5. Alter the sequence of the crime and punishment, points to make the writing more reader friendly. 6. Joan Of Arc! Review your summary and check it for efficiency. · your own rendition of essential information and ideas expressed by someone else, presented in a new form. · one legitimate way to runner sohrab, borrow from a source. · a more detailed restatement than a summary, which focuses concisely on a single main idea. Strategies for effective paraphrasing : · Re read the original passage until you understand its full meaning.

· Set the joan of arc witch, original aside, write your paraphrase on a note card. · Jot down a few words below your paraphrase to remind you late how you envision using this material. George! At the top of the note card, write a key word or phrase to indicate the joan, subject of your paraphrase. · Check your version against the original to make sure that your rendition accurately conveys all of the dreams, essential information in a new form. · Use quotation marks to witch, identify any unique term or phraseology you have borrowed exactly from the runner, source. · Record the source (including page) on your note card so that you can credit it easily if you decide to incorporate the joan, information into your own writing. Example: The original passage. Students frequently overuse direct quotation in taking notes, and as a result they overuse quotations in the final research paper. Example: A legitimate paraphrase.

There is a strong connection between quoting excessively during note taking and over quoting in research assignments. Coherence: When sentences, ideas and make dreams come true details fit together clearly and logically, readers. can follow the joan of arc witch, text more easily. Linking words behave like glue, connecting all the persuasive articles the age, parts of joan, a piece of text together smoothly. Here are. some of the make dreams, methods for achieving coherence in your writing: · Repetition of key terms or phrases- to of arc witch, avoid confusion, writers often repeat words and phrases. Example: The problem with contemporary art is that it is not easily understood by most people. Modern art is deliberately abstract, and that means that contemporary art leaves the viewer wondering what she is looking at.

· Synonyms- words with identical or very similar meanings: they provide some variety in your word choices while helping to connect important ideas. Example: Myths narrate sacred history and explain sacred origins. These traditional narratives are, in short, a set of beliefs that are a very real force in the lives of people who tell them. · Pronoun reference- this, that, these, those, he, she, it, they and we, are useful pronouns for referring back to something previously mentioned. Be sure that what you are referring to is clear.

Example: When scientific experiments do not work out george melies moon, as expected, they are often considered failures until some other scientist tries them again. · Transitional words #150; are connecting words that serve as a bridge, connecting one paragraph, sentence, clause, or word with another and signal the relationships between sentences and ideas in a piece of writing. Transitional words and expressions Purpose. Also, too, in addition, furthermore, to witch, add an idea or example. Moreover, and, besides, in fact. For example, for instance, such as, to supply an example to support a including generalization.

First, next, last, before, after, earlier to indicate order in which events subsequently, later, while, until, initially, occur or ideas are presented. Because, since, for the reason is that to indicate the cause or reason for. Therefore, so, thus, as a result, so that, to ibo religion, indicate the effect or result. But, however, nevertheless, on the contrary to indicate that one thing is different. although, unlike, whereas, while, in contrast from of arc or contrasts with another thing. despite, yet, on the other hand. Similarly, likewise, in george melies, the same manner, to indicate that one thing is similar. in the joan witch, same way, along the same lines as, to something already mentioned. unless, if, even if, or, provided that, to indicate a condition.

still to indicate that something continues. in other words, that is, that is to melies moon, say to joan of arc, indicate that something will be restated for clarity. finally, at last, after all, in conclusion, to Disorder: Essay, indicate the witch, end of a thought or list. to conclude, to elizabethan crime, sum up. INDICATORS FOR ACADEMIC WRITING. Arguments Indicators Premise Indicators Conclusion Indicators. should since therefore. must because hence. necessarily as so. inasmuch as consequently.

for the reason that it follows that. REFORMLATING AND REVISING YOUR ESSAY. This occurs throughout the writing process and need not be left until the end. A good writer is constantly reviewing his or her writing and making changes to strengthen the piece. At this stage, you should be: Editing : re-read your writing and check for grammar, usage and punctuation accuracy. Revising: the process of of arc witch, modifying and elizabethan crime reshaping the ideas in your writing in order to witch, convey your message in the most reader friendly way. Ibo Religion! Try the following: · Re read your paper to determine if the content (ideas) is being conveyed in the best possible way. · Time: let some time go by between the drafting stage and of arc witch the revising stage.

This can help you distance yourself from the draft and see it in new ways. · Peer review: show your work-in-progress to one or two readers to get feedback on your writing. · Checklists: construct a checklist for revising and persuasive the age check your draft against the established criteria. Proofreading : check for spelling and punctuation errors. Responding to peer and tutor feedback : return to your text and incorporate the recommended changes. · Editing: is the final process of preparing a piece of writing for an audience. Editing involves paying attention to the surface details of the writing. At this point you should look at: Example: ( I#146;ve, I have ) always felt that science and the military ( are obligated to, should, have to ) work together. · sentence structure (see sentence and grammar errors).

A common error is to use incomplete, or fragments. Example: Or how to ride a bicycle. This is not a complete sentence! · Grammar (see sentence and grammar errors) A common mistake is to have part of the sentence that don#146;t #145;agree#146; with each other. Example: The Prime Minister make important foreign policy decisions.

· Spelling: don#146;t worry about joan of arc, spelling during the planning, drafting and articles revising stages, wait until you have completed your revising before checking your spelling. Example: controversy (correct) versus contraversy (wrong) · use standard and commonly accepted abbreviations , · spell out numbers of one or two words, or those that begin a sentence. · italics and underlining should be used for titles of books; plays; films; long poems; works of visual art; magazines; newspapers; pamphlets; and radio and joan witch television programs; aircraft; ships; and george melies moon trains; foreign words; . · consult the dictionary to determine whether the joan witch, compound word requires a hyphen, · capitalize the Childhood Expressive Learning Essay, beginning of every new sentence; the of arc witch, names of melies, specific people; places; groups; businesses; events; people#146;s titles and their abbreviations; specific course; religions; languages; organisations; and titles of works. Errors in these areas may violate our standards for witch academic writing. Here are some useful strategies for when you are checking your work.

· Read aloud: reading aloud forces you to kite sohrab, read it slowly and allows you to of arc witch, experience your words through your eyes, ears and mouth. · Read backward: this strategy separates words from their usual contexts and allows the writer to examine each word carefully for spelling errors and typing mistakes. · Circle verbs: one way to revisit sentence structure is to look at the verbs you have chosen. Good writing often depends on strong verbs and reexamining the verb choices you have made can ensure that you have expressed your ideas strongly. · Reading sentences out of context: reading out of context helps to determine whether the sentences are complete or fragments. · Keep a log of the feedback you receive to see if there are any patterns to your errors. IMPROVING YOUR WRITING STYLE.

Choosing appropriate words is not easy even for the seasoned writer. There are some strategies however, that can minimize any difficulty and help you improve the choices you make when you write. Register : whether the topic or assignment demands a formal or informal tone. Example: It was no big deal It was inconsequential. Style : We write differently for different audiences and for different purposes. Style is largely determined by these five features of the language: 1. The presence or absence of the Childhood Disorder: Essay, writer in the prose: using the of arc witch, first person #145;I#146;. Example: #147; I believe that atomic war will devastate life on earth.#148; (the use of #147;I#148; gives the impression that the writer is relying on personal experience and knowledge). #145;It is george trip believed that atomic war will devastate life on joan witch, earth#146; 2. Make Come! The representation of the audience: speaking directly to the reader using #147;you#148;

Example: #145;As you prepare for this course..#146; #145;In preparation for this course #145; (the first example is witch more conversational and george melies trip to the less formal while the second example is more objective and joan of arc more formal). 3.Word choice : a heavily nominalised (verbs and adjectives turned into nouns) style is formal, abstract and impersonal. Persuasive! Sentences with heavy nominalisation are more formal and objective sounding to the reader. Examples: to decide OR decision; to act OR action; clear OR clarity; accurately OR accuracy. Example: #145;He decided to of arc, act once the issues became clear #146; #145;He made the decision to runner, take action once the issues took on greater clarity. 4. Joan Witch! Sentence length, structure, variety : for some audiences you are likely to consider word choice and sentence length differently.

Sometimes more specialized, complex words and grammar are necessary to ibo religion, ensure clarity. Example: #145;The huts vary in height. They measure from ten to fifteen feet in diameter. They contain no modern conveniences.#146; #145;The huts, which vary in height and measure from ten to fifteen feet in diameter, contain no modern conveniences.#146; 5. The design of the of arc witch, paragraphs : To the reader, paragraphs that are longer than half a page appear difficult. Short paragraphs may signal ideas that are underdeveloped. Most paragraphs should be 5-7 sentences, three paragraphs to a single typed page. Basic matters of ibo religion, style:

· Use concrete nouns. Good writing is joan detailed and exact, not vague or general. · Avoid the passive too much and don#146;t rely to heavily on the verb #145;to be#146;. · Don#146;t depend on adjectives and kite sohrab adverbs to convey your meaning. Let the nouns and verbs do most of the work. · Vary sentence length.

When every sentence is the same length the text becomes monotonous. A short sentence can be an effective way to emphasize an idea, and a long sentence can produce a satisfying and convincing rhythm. · Think about your style: personal or impersonal, academic or social? I MPROVING YOU VOCABUALRY: LEVELS OF FORMALITY. Try the following exercise.

Arrange the list of words according to their usage levels#151;from most formal to joan of arc witch, most informal.