Abstract
In recent years, it has become obvious that the countries of Africa are not getting any better financially in spite of structural adjustment programs (SAP) and IMF programs. In fact, unemployment, poverty, and illiteracy continue to rise. Immortality is on the rise, with many children not living to see their fifth birthday. This paper looks at why Africa's people live in poverty in spite of its large number of natural resources and attempts to provide insight into ways that can assist it into becoming more self-sufficient.
Outline
Introduction
Commencement of Problem
Summary of Projected Solution
Effects of the SAPs
Overview of Structural Adjustment Programs
Description of SAPs and IMF Programs
Objectives of SAPs
Effects of SAPs on the Economy
Key Issues of the Program
Program Focus
Potential for Success
Effects on Domestic Economy
Disadvantages
Structural Adjustment Effects in Africa
Overview
Conditionality
Effects on African Economy
Credibility of SAPs
Privatization
Potential for Success
Key Issues
Performance Management
Description
Working Under SAPs
Impact on Trade Unions
Effects of SAPs
Possible Solutions
Labor Laws
Impact on Trade Unions
Role of Trade/Labor Unions
Conclusion

From the Paper
"The continent of Africa has been plagued by debt since it gained its independence from Europe, and the majority of those debts are owed to the International Monetary Fund and the World Bank. Even though these organizations have only been officially in existence since their conception in 1944, the conditions of the IMF and World Bank existed long before that time. As of 2004, Africa's debts to the IMF and World Bank stood at over $300 billion, and it is unlikely that that number is representative of revenues lost to Europe and America since those monies have increased poverty rather than being beneficial to Africa. Every year a total of $15 billion is transferred from the poorest countries in Africa and other places in the world to the richest countries through interest payments."

Tags:bank, debt, financial, fund, global, hipc, interest, international, markets, monetary, poverty, rates, relief, structural, unemployment, world

Abstract
In this article, the writer examines the controversial issues using the rational examination of ideas based on logic and current research instead of emotions. This paper focuses on proponent's arguments and oppositional argument's of using Quality Adjusted Life Years or QALYs when deciding how healthcare resources should be allocated. Both sides of the issue are presented. The term Quality Adjusted Life Years is first defined by the World Health Organization. The researcher then presents both sides of the issue, offering a synopsis of the proponent's side and opponent's side of the QALY issue. Following this a summary of opinions and declarations is offered for review and discussion.

Outline:
Introduction
Proponents
Opposition
Conclusions
References

From the Paper
" The purpose of QALY is primarily to decide how healthcare resources should be allocated. The use of QALY for example, may help determine which patients are eligible for participation in quality clinical trials. From a health insurance perspective, quality adjusted life years may impact the calculation of cost for a person or their family. In fact, health insurance companies have long relied on similar calculations to decide what premium participants may pay. They base their analysis on factors much like QALY including the individual's projected lifespan, current health and medical history. These elements are all used to decide how much insurance an individual will qualify for (based on their life expectancy and health). While even this process is controversial for some, by and large it is widely accepted as a tool for measuring how much insurance can or cannot be offered an individual. "

Tags:patients, doctors, function, symptoms

Abstract
The paper explains dissociative disorders, the broad class of psychological disorders that involve the breakdown of various elements of personality, memory, and/or identity. The paper reviews two studies that each approach the understanding of dissociative disorders differently. The paper then looks at studies on adjustment disorders and how they reveal that the primary cause of these disorders is environmental or "nurture" based.

Outline:
Part A: Dissociative Disorder
Part B: Adjustment Disorder

From the Paper
"There are many similarities in both the symptoms displayed and the underlying causes of dissociative disorders and post-traumatic stress disorder, and for this reason it seemed a reasonable supposition that the physiological effects and causes of the two disorders might also be similar. This is the supposition that Irie et al (2009) tested in their study, which measured the size of the amygdala and hippocampus in the brains of post-traumatic stress disorder sufferers and those with a dissociative disorder compared to these structures in other individuals. It had been previously noted that these structures were markedly reduced in many patients diagnosed with post-traumatic stress disorder resulting combat exposure, childhood abuse, or traumatic accidents, and the researchers wished to see if a similar size reduction in these areas of the brain accompanied the similar symptoms of dissociative disorder, as both disorders can lead to similar destructive and violent behaviors (Irie et al 2009).
"The researchers found, however, that there was no change in the size of the amygdala or hippocampus in patients that were diagnosed with dissociative disorder that could compare to that found in patients suffering from post-traumatic stress disorder (Irie et al 2009). Though the results of this study are from exhaustive in its attempt to determine underlying physiological causes of dissociative disorder, it does serve as further evidence that the disorder is likely purely psychological in nature, rather than physiological or neurological (irie et al 2009). Understanding this could provide valuable insights as to how to treat dissociative disorders."

Tags:post-traumatic, stress, disorder, self-harm, child, abuse, nurture

Abstract
This paper provides an analysis of the ten policy components of the International Monetary Fund's (IMF) structural adjustment program (SAP) and evaluates their impact on Zambia's agricultural sector, specifically, on agricultural credit and inputs. The project concludes with a brief discussion of the lessons learned from Zambia's case and their applicability to other developing countries.

Outline:
Introduction
Ten Policy Components of the IMF's High Conditionality SAP
Impacts of the SAP on Zambia's Agricultural Sector: Credit and Inputs Conclusion: What Does This Case Tell About Prospects for Structural Adjustment in Other Developing Countries?

From the Paper
"The International Monetary Fund's (IMF) Structural Adjustment Program (SAP) was introduced in Zambia in 1984 in order to foster sustainable economic development. The IMF help became necessary after the dramatic copper price decline on the international market in mid-1970s, which drastically reduced Zambia's primary source of income, creating a severe economic crisis (Sandberg 2). By 1985, after having spent several low conditionality loans from the IMF, Zambia had no choice but to negotiate a high conditionality IMF loan to obtain the desperately needed funds. The price Zambia had to pay was a thorough restructuring of its economy as the IMF experts believed that liberal monetary and fiscal policies and the introduction of internationally determined market prices would allow Zambia to solve its current account problems, to repay external debts, and would also assist in developing globally competitive private sector."

Tags:credit, inputs, currencies, devaluation, interest, rate, privatization, labor, policy, cost, efficiency

Abstract
This paper discusses structural adjustment policies (SAPs), which are those policies that the World Bank (WB) and the International Monetary Fund (IMF) have put forward over many years to developing nations. The paper particularly discusses the problems with these policies and how they have negatively affected developing nations. The paper then proposes solutions to the problems that have been created by these policies.

Table of Contents:
Thesis
Explanation Of Structural Adjustment
What Is The World Bank's Impact
Pros/Cons
Conclusion

From the Paper
"On the subject of Africa, the WB, and structural adjustment programs, an article in the Journal of Asian and African Studies (Gibson 2004) asserts that it is "now generally accepted in African studies" that the 20-plus years that Africa has been under the dictates of structural adjustment "...has been a devastating failure." Not only have the WB policies "failed," Gibson writes, but indeed the continent of Africa has "moved from 'crisis' to 'tragedy.'" And what is the reason for this reported slide into tragedy? From the WB's perspective, Gibson explains, Africa's economic performance has been poor; African "elites" and "government patronage" have drained the nations in Africa of the resources that the WB has tried to provide, in the view of the WB. The promises of security, health, and education, made by the WB when the loans were approved, "can no longer be met," Gibson goes on."

Tags:Africa, monetary, IMF, WB, globalization

Abstract
This paper will first briefly cover structural adjustments in terms of meanings, aims, problems, and context, positive and negative results. This paper will then look at India and focus upon the visions of development and the realities of the structural adjustments made by P.M. Rao; namely, his economic reforms which opened India to the international market. These reforms, carried out by Finance Minister M. Singh transformed the economic structure of India and have resulted in ubiquitous social, ideological and political changes.

Abstract
Structural Adjustment Policies are economic policies which countries must follow in order to qualify for international loans. This paper examines structural adjustment policies as applied to contemporary Africa and the extent to which these policies may or may not be relevant. Countries in Sub-Saharan Africa, in particular Malawi, Uganda, Tanzania, Zambia, Ghana, Nigeria, Senegal, Botswana, are cited as useful case-studies in evaluating the programs. It also analyzes the effects of these policies on health, education, transportation, national budgets and devaluation.

From the Paper
"From the late 1970s and into the 1980s, there have been a great many arguments concerning the introduction of structural adjustment policies in African territories. In essence, when one speaks of an on-going debate about the relevance of structural adjustment policies, one speaks to the fact that structural adjustment policies had both positive and negative effects on African countries, such as Gambia, Lesotho, Malawi, Uganda, Cote d Ivoire, Zaire, Ghana and Zambia, as well as most of Sub-Saharan Africa collectively. By extension, therefore, the debate proceeds as to whether structural adjustment policies were substantively or inherently ineffective, since most of the people suffering under such programmes were the poor and the disadvantaged, a great portion of them being women. Other main arguments concern the fact that by the professed stabilization or restructuring of economies, adjustment policies stressed cuts in expenditure and the reduction of subsidies as well as limited public sector involvement that often augured well for education programmes. The reduction in expenditure on health programmes also caused health risks in the form of the deprivation of Africans of needed facilities and medicines, for example, for diseases such as HIV/AIDS."

Tags:aids, development, economic, health, poverty, globalization, imf, world, bank

Abstract
The paper examines structural adjustment as applied to the Caribbean and specifically to Jamaica. It shows how structural adjustment polices created severe strain on the Jamaican economy during the fifteen years of their implementation and operationalization. In particular, it evaluates the implications on levels of poverty and the negative social effects, such as increased unemployment, fall in real wages, income, investment and social standards which came about as a direct result of the implementation.

From the Paper
"The problem of poverty cannot be explained using the simple argument of failed public sector enterprises or balance of payment crises. Rather, believe it or not, transactions between the IMF, World Bank and Jamaica created dependency relations, which further depleted economic, social and infra-structural resources in the economy. Hence, poverty increased because these multilateral agencies carried conditionalities for repayment of loans."

Tags:bank, micro, macro, economic, stability, imf, loan, repayment

Abstract
This paper discusses the process by which international visitors adapt to a new host culture. The writer explains the four stages of the cultural adjustment process and examines ways that these changes can be made easier.

From the Paper
"Many people perceive this process as "culture shock." Culture shock describes the more distinct reactions to the psychological disorientation most people experience when they move for an extended period of time into a culture that is different from their own (University of Iowa, 2003). In many ways, culture shock is the occupational hazard of overseas living through which one has to be willing to go in order to experience other countries and cultures in depth."

Tags:culture, shock, adapt

Abstract
This paper presents a detailed discussion on the various way businesses will have to adjust in coming years to accommodate the Hispanic population in the US. The census bureau has declared that in the future there will be more Hispanics in the nation than any other race. The author of this paper describes the demographics of that as well as the different things businesses can do to prepare for the diversity and the changes in the face of America from a business standpoint.

Tags:BUSINESS / ETHICS, INTERNATIONAL BUSINESS, business changing face