Earth Population Essays - Demography, Human Overpopulation

Earth Population Our Earth has changed all the more significantly in the twentieth Century then in some other timeframe past. During this time the soundness of our planet has additionally been both hurt and improved in emotional manners. Two models are that in this century, we have created more air contamination then ever previously, yet our tendency preservation endeavors are working. In light of that kind of rationale, it is normally extremely simple for a researcher to tell if a specific change in our condition during the twentieth Century, was fortunate or unfortunate for our planet. That is the place populace development comes in and breaks this thought. Is populace development fortunate or unfortunate for our reality? This is an inquiry which researchers around the globe have been debateing about for a considerable length of time. The reason for this paper will address that question. It will likewise discuss the future development pace of our total populace, imagine a scenario where any relatio nship can be drawn from over populace and the GNP and proficiency levels in a nation, what sorts of populace control gauges the four biggest nations use, lastly decide whether there are any populace issues and discover answers for them. Regardless of broad populace control quantifies, the nation with the biggest populace is China. Truth be told China contains very nearly one-fourth of the world's kin at around 1.2 billion. During the 1950's the populace developed at a pace of 2% every year. The pace of development eased back to 1.3% by 1990, to a limited extent because of populace control measures. China's populace control measures are based around a creul strategy permitting guardians just a single youngster. This approach has prompted more significant levels of fetus removal, disinfections, and inficide than in some other nation on the planet. The sensational decreases in China's populace development rate have anyway occurred well before the one youngster strategy became effective in 1979. This further confounds specialists who study populace and attempt to decide why populace rates flucuate. A portion of these specialists propose that beside the one youngster strategy China's development rate may have diminished from 2.0 to 1.3 percent on account of significant enhancements in newborn child death rates. Hence guardians had more certainty that their kids would live to development. Likewise, as China has moved to turn into an increasingly industrialized nation families have decided to diminish family size. For instance in our nation 200 years prior families were huge in light of the fact that the more children a family had the more effective the ranch would be. Those are a couple of reasons the populace rate in China may be lower than in years past and keep on easing back down.

Is the Death Penalty Justified

Is the Death Penalty Justified Capital punishment Essay Capital punishment banter regularly turns into a point for a pugnacious paper. Understudies are approached to make contentions for capital punishment and contentions against capital punishment. The death penalty paper model beneath is a sort of sentiment article for legitimate conversations. In the event that you need another topicâ for examining in your contentious paper here is an incredible rundown: Factious Essay Topicsâ The Death Penalty is the Code of Judgment Need to isolate a room decently fast? Get a discussion moving about legitimizing capital punishment. That will disperse people, completely. In addition, everybody will feel contrastingly about the issue. Some will hold some profoundly established feelings about the theme: Should an individual be condemned to death since they intentionally executed someone else? Isn’t God their definitive appointed authority, and along these lines, shouldn’t they get a free go in this life since they are decided in the following? Is executing a killer †by means of gas chamber, hot seat, deadly infusion †carrying out the equivalent precisely wrongdoing the killer did? There are numerous inquiries to pose to when giving this intensely discussed subject a decent reasoning. Initial, one needs to acknowledge that there are some truly abhorrent individuals on the planet who need to end the lives of others, to play God, at last; at that point there are unplanned killings; and in concl usion, one needs to consider that we as a whole can possibly slaughter another person whenever sent to the brink of reason. In any case, in this occasion, a support for capital punishment will be given. The Death Penalty is Justified When a Murder Was Done out of Cold Blood For one, capital punishment is defended when a homicide was done out of intentionally and without hesitation when it was planned. Obviously, this isn't the point at which an individual incidentally slaughters someone else †wrestling around when an inappropriate move is made or somebody goes excessively far, for instance; or a vehicle colliding with another on late night. Those are extraordinary. A homicide without a second thought is the point at which an individual purposely wants, designs and executes a homicide. Despite why the homicide is done, or what number of individuals the individual slaughtered, regardless of whether to vindicate another’s murder or bad behavior, it is still homicide †an intentional completion of another person’s life on this planet †and killers ought to be executed themselves. They should pay for their bad behavior, and this is one instance of how capital punishment is legitimized. Also, capital punishment is defended as a result of the counteraction factor: When an awful killer is given capital punishment, they can't be forgotten about in the public eye to do it once more. This is accomplished for an incredible explanation. This legitimizes capital punishment without a doubt. Presently there is consistently the likelihood that the executing is honorable †possibly the man who viciously assaulted, beat and slaughtered a blameless lady ought to be murdered †and the individual who executed the attacker is honest to some extent, yet the entirety of this is abstract reasoning, and feelings ought not impact legitimization. We can allude to Hammurabi’s Code †â€Å"eye-for-an-eye† †to legitimize this correspondence: that the state should kill a killer. Make no uncertainty about it: this is one all the more way that delineates how capital punishment is in fact legitimized. Dead Murderer Cannot Kill Again Ultimately, imagine a scenario where the skeptics are correct. Imagine a scenario where there is no God. No judgment in the hereafter? We can never know without a doubt of a the great beyond. Presently is everything we can ever know without a doubt. This attitude legitimizes capital punishment since it implies there is an opportunity this killer could go on known to mankind never paying for what they had done †when they took a person’s life and played God for only a couple of moments. One can hypothesize that if the regular individual murders another, even deliberately, that individual will live for the remainder of their years with monstrous lament, blame, and neurosis. The psychological anguish would be a cruel enough discipline itself. Ok, yet numerous executioners are maniacs, they need compassion and inner voice †so they may not think they are fouling up. Accordingly they ought to be cleared out of this world. They merit capital punishment. Capital punishment is generally defended here †a debilitated, unhinged individual ought to be removed from this world. There might be no appointed authority in existence in the wake of death, no God; subsequently, the abhorrence of this world will be decided on earth, and fiendishness will bite the dust. Let’s close this substantial contention by saying 'sorry' to the peruser: this is an extreme subject to talk about †everyone’s got an alternate perspective on it †and it’s simple to irritate an individual. On the off chance that any offense was taken, the essayist offers their conciliatory sentiments. In all actuality, there is no correct answer. The understudy can identify with Christian (God is my appointed authority) and Buddhist (individuals pull in misery) philosophies, and to Hammurabi’s Code (tit for tat), to move toward this issue unbiasedly. Which is right? What is unfeeling and what’s wrong? How would you tell? Need a capital punishment article? Our scholars are knowledgeable about composing diverse capital punishment pugnacious articles. The most famous themes are: Why the Death Penalty Wrong? furthermore, Should the Death Penalty Be Allowed? On the off chance that you need a paper on these or other capital punishment exposition points, put in a request.

American Legal and Constitutional History

As occupants or residents of the United States of America, we appreciate certain rights that numerous individuals over the world don't have. One of those rights is the right to speak freely of discourse, which is ensured to us all through the United States Constitution. Notwithstanding, in certain examples, our ability to speak freely rights can be restricted. One of those conditions includes opportunity of political articulation. Now, one would need to ask; in what capacity can an equitable nation, which, similar to all other majority rule nations, depends on the right to speak freely of discourse, limit the equivalent under certain conditions?In request to get why and how this can occur, we will initially look at the idea of citizenship and the Constitution of the United States as it identifies with opportunity of political discourse. Notwithstanding that, we will break down how the right to speak freely of discourse as it identifies with governmental issues can influence security and what influences current enactment has on the right to speak freely of discourse. In light of the previously mentioned inquire about, I expect to demonstrate that bargaining opportunity of political articulation is an infringement of the United States Constitution and as such can't be allowed.Furthermore, I will contend that passing lawmaking body, for example, the US Patriot Act can be extremely risky as it furnishes government with the ability to disregard our right to speak freely rights. Citizenship In the initial segment of the paper, we will analyze and sum up the idea of citizenship. This is an extremely broad procedure that is characterized as â€Å"the process by which a few people are incorporated and others are rejected as individuals from the community† (Walker, 2002). In our nation, everyone living here, in any case if resident or not, appreciates similar insurances from the law.The idea of citizenship is significant in light of the fact that it partners us wi th our country and with the rule that everyone must follow. â€Å"Essentially, rights conceded to residents are ordinarily spoken to by a continuum; nonetheless, the negligible presence of citizenship doesn't really liken to identical portrayal in all cases, frequently with glaring irregularities across comparative geographic areas or memorable periods, of which history is overflowing with models. † (Gans 2005). So for what reason is citizenship so significant? Citizenship is significant in light of the fact that it gives everyone the established rights.Nobody can remove them from a United States resident, paying little heed to his political perspectives or proclamations. As United States residents, we are qualified for a lot of rights, which is one of a kind on the planet. The United States Constitution qualifies us for those rights and ensures that we can appreciate them. The United States Constitution is the arrangement of reports that typify the standards on which the Uni ted States is represented. The Constitution is the preeminent tradition that must be adhered to and no other law, at any degree of government, can be built up without considering the standards and rights as set out in that document.The part that is particularly critical to American as it relates straightforwardly to their privileges is the piece of the Constitution that is known as the Bill of Rights. The initial ten alterations of the United States constitution are all the more usually alluded to as the â€Å"Bill of Rights,† in light of the fact that they characterize explicit rights that are allowed to every single United State residents by the Constitution of the United States. â€Å"The Bill of Rights is demonstrated on numerous other comparative records, all of which owe their origin to the Magna Carta, the bill of rights written in England in 1215 CE.The Bill of Rights is viewed as a significant piece of the Constitution, and is additionally an indispensable piece of mainstream society; most Americans, for instance, comprehend what somebody implies when the individual in question â€Å"pleads the fifth,† a reference to the Fifth Amendment, which shields individuals from self recrimination. † (Smith 2003) The piece of the Bill of Rights that is of worry to this paper is its First Amendment. As per the First Amendment there are really a few rights ensured to all residents similarly. Numerous individuals recall two of them, the option to free discourse, and the privilege to a free press.There are not many special cases to free discourse and charge press. Composing or talking words that could be established as a danger to the American individuals or genuinely undermining the life of somebody can prompt a common claim or even criminal arraignment. The option to free discourse and free press completely incorporates any political articulations, paying little heed to what nature. All in all, if these rights are ensured to us, for what reaso n do a few people have worries about political articulation? Political Expression and confinements In wake of the 9/11 assault on United States a questionable bit of enactment called â€Å"The USA Patriot Act† has been passed.The issue with this enactment lies in its meaning of fear based oppression or psychological oppressor exercises. â€Å"The USA PATRIOT Act segment 802 characterizes residential fear mongering so extensively that it could apply to an individual practicing their right to speak freely, articulation, and gathering through demonstrations of common noncompliance. The Department of Justice has not uncovered how it is utilizing segment 802†¦ Moreover, Section 215 of the USA PATRIOT Act allows the FBI to look for records from book shops and libraries of books that an individual has bought or perused, or of their exercises on a library's computer.This change puts individuals in danger of practicing their free discourse rights to peruse, suggest, or examine a book, to compose an email, or to partake in a visit room, and hence could have the impact of chilling naturally secured discourse. It additionally denies book retailers and library staff the free discourse option to illuminate anybody, including a lawyer that the FBI has requested somebody's understanding rundown. † (BORDC, 2008) Since then the BORDC has reported a few situations where individual rights to free discourse have been damaged as an immediate consequence of this legislature.Many of these infringement have been activated by political action. For instance â€Å"In June 2004, Buffalo, New York, craftsman Steve Kurtz was kept by law authorization and had his home looked by FBI specialists. Regardless of finding just innocuous substances, which Kurtz utilizes in his politically roused workmanship extends, the FBI continued with a Grand Jury hearing to conclude whether to prosecute Kurtz under the USA PATRIOT Act’s natural specialists arrangement. On June 29th, Kurtz’s bio-fear based oppression related charges (USA PATRIOT Act area 817) were dropped. † (BORDC, 2003)The previously mentioned occurrence, alongside comparable mix-ups have driven numerous individuals to accept that our privileges to free discourse, including and particularly the privilege to political articulation, have been restricted by lawmaking body, for example, and like the Patriot Act. Numerous anyway contend that such laws are vital so as to ensure more prominent's benefit and help decline the odds for reestablished assaults on the United States. Another case of restriction of political articulation includes an ongoing occurrence at the University of Berkeley in California.The City Council sent a letter to the United States Marines enrolling office expressing that their selection representatives were not welcome in the city or nearby. This was only a letter of proclamation and it contained no dangers or some other proposals of brutality, fights, or showings . As a byproduct of this activity, which was viewed as against devoted by numerous legislators and residents, different weights were set upon the city. â€Å"Some officials were taking steps to retain a huge number of dollars of government and state financing to the school as retaliation.They asserted that since U. S. Marines are bad enough for Berkeley, at that point nor were taxpayers’ dollars†¦ After accepting noteworthy warmth, the authorities chose to perceive the officials’ option to be in Berkeley and explained their position saying they bolster US troops †just not the war and the enlistment of youngsters. (Slope, 2008) The issue that we face here is that a political perspective on a urban communities populace, as reflected in the board letter, was mistreated through dangers of subsidizing elimination.Even however the political view reflected in the letter isn't mainstream and unseemly, that was scarcely an activity of free political discourse that wa s stifled by dangers. The way this occurred on a school grounds, which ought to encourage learning through open discussion, makes it particularly awful as it sends an explanation that everyone ought to be politically in accordance with the standard. â€Å"†¦in managing school grounds (as the developing justification for those of things to come) we ought to be all the more understanding when opinions appear and give them space to flourish in the event that they wish.Suppression, for example, money related hardship, is no real way to manage a circumstance and definitely no real way to smother a contention. † (Hill, 2008). This opens the inquiry regarding why political articulation matters and what is so unique about it? Political Expression and Democracy In request to comprehend the effect of free discourse on a just society we need to examine the nuts and bolts of vote based system. â€Å"Freedom of discourse and articulation, particularly about political and other open issues, is the soul of any democracy.Democratic governments don't control the substance of generally composed and verbal discourse. Along these lines majority rule governments are generally loaded up with numerous voices communicating extraordinary or even opposite thoughts and conclusions. † (U. S. Division of State, 2008) This announcement is a successful rundown regarding significance of free discourse. As a just government, our administration should lead is in course that we picked. This picking of course is frequently done through political discussions as we see them on TV.â€Å"Democracy relies on an educated, proficient populace whose entrance to data empowers it to take an interest as completely as conceivable in the open existence of their general public and to scrutinize rash or domineering government authorities or approaches. Residents and their electe

Mobile Social Networks and Social Practice A Case Study of Dodgeball

The Dairy Industry Of Pakistan Marketing Essay The dairy business of Pakistan is an exceptionally serious industry and has enormous potential. Sadly, dairy processors in Pakistan despite everything have miles to cover before they can abuse full advantages of this industry. The milk creation of the nation has not been sufficient and therefore the interest for dairy items exceeds the flexibly. Generally, individuals living in urban zones liked to expend new milk conveyed to their homes by Gawallas. Anyway with the progression of time, as individuals turned out to be increasingly more wellbeing cognizant there was a move towards the utilization of UHT milk and its interest has been expanding from that point onward. In the UHT milk portion, firms like Nestle Pakistan Limited and Engro Foods Limited have risen as driving business sector players. These organizations with their heap of money related assets have made gigantic interests in getting best in class innovation, labor and fortifying their advancement endeavors. In spite of the way that nearby dairy handling businesses have had the option to coordinate the quality norms of Nestle and Engro to a more prominent degree, these organizations need their advertising endeavors. Early afternoon Pakistan Limited is one such firm which is being affected because of poor promoting endeavors and has not had the option to receive the rewards of the business where it works. Early afternoon Pakistan Limited is an endeavor of the Noon Family and has been promoting its items under the brand name of Nurpur. The firm appreciates showcase authority in the classification of spread. At first when the firm propelled its UHT milk the market reaction was acceptable. Anyway with the progression of time, the brand execution of Nurpur UHT milk has disintegrated because of fumble of showcasing endeavors. While the executives guarantees that they can sell whatever they produce, the market review results demonstrate that the common execution of the brand has not been sufficient. The firm depends on the undercutting idea which is a term approach and little accentuation is being given to the idea of brand building. It is the need of great importance that Noon Pakistan Limited embraces a drawn out key methodology in the event that it needs to tie down its situation in the market for quite a long time to come. To examine the issue being looked by Noon Pakistan Limited, a thorough Literature audit was led trailed by interviews with representatives of the firm, retailers and purchaser studies. Money related investigation and correlation with Nestle and Engro was finished. Despite the fact that Noon Pakistan Limited doesn't coordinate the money related quality of its rivals, there are numerous manners by which the firm can improve its situation in the market. The initial phase in building solid brands is to guarantee that the brand has a high remarkable quality. The brand ought to have top of the brain review and acknowledgment. Sadly the overview results examined utilizing SPSS programming demonstrated that Nurpur milk isn't the main brand which rings a bell when a purchaser needs to buy UHT milk. Larger part of the respondents couldn't review any commercials of Nurpur milk. A significant extent of the respondents likewise featured the way that Nurpur milk was incidentally short in the market. The aftereffects of the retailer meets additionally demonstrate that Noon Pakistan Limited needs to improve its exchange advancement plots as lion's share of the retailers were not happy with current conveyance practices of the organization. The retailers featured the way that the organization ought to improve its advancement exercises with the goal that shoppers begin requesting Nurpur milk. Organizations, for example, Noon Pak Limited, those neglect to grow, in the end move to the eliminate or withdrawal stage. This is on the grounds that development guarantees the congruity of benefit, brands, advancement and progress. It additionally makes business openings and adds to the development of economy by improving the GDP. Early afternoon Pakistan Limited anyway isn't growing and considering the extraordinary serious condition that wins in the dairy business, in the event that they neglect to extend in future; the organization may need to confront a distinct fortune of a total eliminate and hence should begin upgrading their promoting and the executives techniques likewise. Because of powerless money related assets, Noon Pakistan Limited should use elective systems to keep up its situation in the market. The firm needs to put resources into purchaser advancement exercises like in store inspecting and taste preliminaries. The firm likewise needs to concentrate on its BTL exercises so as to reinforce the perceptual situating of the brand in customer mind. The firm needs to overhaul its installment arrangements with retailers and begin giving merchandise on a credit premise to those retailers who have a decent notoriety in the market. So, Noon Pakistan Limited should reexamine its present practices and tasks. The firm should give up its old idea of selling and rather center around building the value of its brands in the event that it needs to reinforce its situation in the market for what's to come. 2.0 Introduction 2.1 The Noon Group The Noon Group of Companies is being overseen by the Noon family. The gathering has qualified and experienced experts. The Noon Group of Pakistan endeavors to improve its benefit and defend its partners intrigue while keeping up most excellent principles and serving the community1 The Noon Group of Companies has different undertakings and Noon Pakistan Limited is one such beneficial endeavor of the Group. Aside from Noon Pakistan Limited a short portrayal of the different undertakings are as per the following:- 1. Early afternoon Sugar Mills Limited This endeavor was consolidated in 1964 and produces white sugar. Beginning pounding limit was 1500 MT of sugarcane which has been expanded to 4000 MT over the entry of time.2 2. Pioneer Cement Limited Pioneer Cement Limited was consolidated in 1985 with an all out venture of Rs.2660 million and creation limit of 630000 tons for every annum. The plant is arranged in Chenki, Khushab.3 3. Early afternoon International Private Limited Early afternoon International Private Limited is an exchanging organization which was built up in 1972. The organization utilizes 43 individuals including a group of 15 expert deals engineers. This firm speaks to different universal organizations of notoriety in Pakistan and markets their gear in the fields of material, power age, sugar, manure, synthetic, steel, concrete, food and milling4 4. Material Technics Private Limited Fused in 2004 with an all out speculation of Rs 100 million, Textile Technics is a joint endeavor between M/S Blue Reed of Spain and Noon International Private Limited. The undertaking has a creation limit of 22000 meters of reed for each annum5 5. Material Services Material Services was set up in 1994 and offers types of assistance to more than 200 clients of Sulzer Textile Projectile Weaving Machines. The organization utilizes 32 individuals and gives preparing, specialized assistance and extra parts for clients6 2.2 Noon Pakistan Limited Fused in 1966 with a complete speculation of 553 million, Noon Pakistan Limited produces different items to be specific Butter, Cheese, UHT milk, HCLF, Pasteurized milk, Flavored milk, Juices, Water, Desi ghee, Honey and Jam. Introduced limit of the plant is 72000 Liters/2 movements and there are 700 workers. Early afternoon Pakistan Limited has been advertising its items under the brand name of Nurpur. The plant is situated in Bhalwal, Sargodha while the administrative center is arranged in Lahore7 The year 2011 was a difficult year for Noon Pakistan Limited. Vitality Crisis, security circumstance combined with annihilating floods had applied critical weight on the economy and typical cost for basic items. Higher inflationary patterns kept affecting their key items especially identified with new milk when deficiencies prompted a cost increment of 16% contrasted with a year ago. Moreover, higher development of their items prompted serious filling limit imperatives and the market request couldn't be met completely. Because of diminished purchasing power, pattern in the market is changing quick as customers are searching for less expensive items in little bundles. In this manner the administration at Noon Pakistan Limited has made arrangements to rethink the market necessities and furthermore further improve their creation efficiency8 2.3 Vision The vision proclamation of Noon Pakistan Limited is as per the following:- Our vision at Nurpur is to be a transformative power in our locale and world everywhere and to fill in as a model of a practical business elective that supports social and monetary prosperity in a naturally touchy manner9 2.4 Mission The statement of purpose of Noon Pakistan Limited is as per the following:- Nurpur is focused on providing the buyer and client with the best, great items and to be a main industry in sound and nutritious items. Nurpur underpins these objectives with a corporate way of thinking of sticking to the most noteworthy moral lead in the entirety of its professional interactions, treatment of its representatives, and social and natural policies10 2.5 Core Values At Noon Pakistan Limited, shoppers are at the cutting edge of all that they do. The guiding principle of the organization incorporate the age of Ideas that can be continually tested to create cutting edge arrangements, to lead business transparently and decently while contending savagely simultaneously, to empower collaboration with singular styles, to set extreme objectives that can be tested and beaten, to esteem safeguarding of the earth and guarantee maintainability of natural farming, to esteem commonly strong connections among individuals from nearby and worldwide communities11 2.6 Awards and Certifications Early afternoon Pakistan Limited has won numerous lofty honors and accreditations which are First dairy organization in Pakistan to be guaranteed under ISO 22000:2005, Brand of the year grant (2006-07) in the classification of Butter, Brand of the year grant (2007-08) in classification of Butter, Cheese and enhanced milk and Brand of the year grant (2008-09) in the classification of Butter12 2.7 The Purchase Department To consider the

Wage Garnishment What Is It - OppLoans

Wage Garnishment What Is It - OppLoans Wage Garnishment: What Is It? Wage Garnishment: What Is It?If a creditor takes you to court over an unpaid debt, you could end up having funds removed directly from your paycheck.Let’s talk about garnishes. Parsley, for instance, is a common garnish, but it’s not a particularly colorful or flavorful one. Still, depending on the general hue of the food you’re garnishing, parsley can be a simple and cheap option that gets the job done.Citrus slices can provide zing, color, and a tasty little dessert all in one. While they may be most at home on the rim of a cocktail or on top of a slice of cake, it can work all the better as an accompaniment to savory fish or chicken.And now we come to radishes, one of the most polarizing of the garnishes. The bright white and red of the radishes can be striking to the eye when it’s properly applied, but the taste, or lack thereof, seems to hit every tongue differently.However, there’s one garnish that you can’t eat at all: wage garnishment. So what is it, and what can you do about it?Wage garnishment: What it is and how it works.If your wages are garnished, it means a portion of your paycheck will be going towards a debt or other financial obligation you’re required to pay.“A garnishment of wages occurs only after a court has had an opportunity to review facts and decided that a taking of wages is allowed,” explained Matthew Ryan, an attorney with the Flushing Law Group located in downtown Flushing, NY. “In essence, a court grants an order that allows garnishment of wages as a remedy for an aggrieved party.”There are rules and regulations that establish how exactly wage garnishment can occur and how much can be garnished.“Common reasons for wage garnishment include child support, student loans, or consumer debt,” recounted Jared Weitz (@jaredweitz), CEO and Founder of United Capital Source Inc. “There are, however, federal limits on how much a creditor can take based on your disposable income.Steps must be taken prior to a credito r implementing wage garnishment. A court hearing must occur based on the creditor suing you. The outcome of this court ruling can contain wage garnishment.”The IRS can also garnish your wages.You could also face wage garnishment if you owe more taxes than you’ve paid.“When you have not paid your past due tax liability and have not made other arrangements with the IRS to pay off your tax debt, the IRS may take steps to garnish your wages,” warned Claudia Revermann, Attorney at Law, CPA, and co-founder of Lucent Tax Relief.Its a relatively easy step for the IRS to take. Often times, a garnishment simply has the effect of getting your attention. Calling the IRS and finding a different way to resolve your tax debt is likely to be in your better interests.”Revermann also explained the process through which IRS garnishment happens:“First, the IRS must give you proper notice, called a Notice of Intent to Levy. A levy is the same as ‘garnishment.’ Then, after 30 days, the IR S is able to contact your employer to request a wage garnishment. The IRS uses the information it gathers from your employer to determine how much it can take out of your pay.There are items that are allowed to come out from your pay first, such as current tax withholdings and child support payments. This is a continuous levy, which means that the IRS can leave this levy in place for as long as you are receiving a paycheck, or until you make alternate arrangements to pay your overdue taxes.”What are your options?Even if a court decides you’ll be facing garnishment, you may still have a chance to challenge the ruling.“Once you have received formal notice of this wage removal you have a short window to challenge the decision through a written statement outlining your reasons for objecting and be willing to appear in court again to defend your cause,” suggested Weitz.“Some instances do not require a hearing, such as with the IRS or student loan lenders. In these instances, yo u will still need to submit a written objection, and with regard to student loans, can request financial hardship to set up a payment plan outside of wage garnishment.”IRS levies may also have additional options for you to pursue.“You can challenge an IRS wage garnishment in a few ways,” offered Revermann. “First, you are able to request a Collection Due Process Hearing, which is an appeal of the collection process.Second, if your income is not sufficient to meet your monthly living needs and the payment of old tax debt would result in financial hardship, you can have the garnishment removed in whole or in part to allow you to meet your expenses.Lastly, you find another way to pay off your taxes, whether in full or reaching a separate installment agreement with the IRS, or you could file for bankruptcy protection.”Businesses must comply with garnishments.We’ve been talking about how to handle a personal garnishment you’re facing, but you should know that if you’re an employer, you may have to comply with a garnishment from the other side.Cynthia Flynn, Esq., founder and managing partner of Hackler Flynn Associates, directed us to a post she wrote about California employers’ obligations when it comes to wage garnishment. Most of it will also apply to employers in other states as well:As a California employer, you have a number of obligations with regard to paying your employees, including minimum wage and overtime requirements, wage statements, and payroll taxes. One additional obligation that you may encounter is a wage garnishment order, or wage assignment order. A wage garnishment order is an order which requires you to withhold a portion of an employee’s wages and send it directly to the person named in the order. There are many different reasons your employee’s wages may be garnished. An employee’s wages may be garnished if a creditor has successfully obtained a judgment against the employee in court, and has gotten a court order t o garnish the employee’s wages. For other types of debts, including back taxes, defaulted student loans, and back child support, a wage garnishment order may issue without a court proceeding.A wage garnishment order or wage assignment order is a legal document with which you are obligated to comply as an employer. Failure to comply may result in civil penalties or even criminal charges. You may also face civil penalties or civil or criminal charges if you engage in the following conduct: Terminating or disciplining an employee as a result of receiving withholding orders for the payment of a single judgment, and postponing or advancing payment or earnings, or otherwise taking measures to avoid complying with a wage garnishment order.Accordingly, it is important that you take wage garnishment orders seriously, and that you understand your obligations under such orders.Complying with wage garnishment isn’t particularly fun. But not doing so would be even more of a pain.Take care of your money.Avoiding a wage garnishment is fairly simple: Make sure that you pay your bills and avoid taking on excess debt with personal loans and credit cards. But that doesnt mean that its easy. For many people, its difficult to save money, which means that they have limited options when life throws a financial curveball their way.In these situations, people with bad credit and little-to-no savings often end up relying on short-term bad credit loans and no credit check loansâ€"like payday loans, cash advances, and title loansâ€"to make ends meet. Even their better borrowing options, like installment loans, pale in comparison to a well-stocked emergency fund.If payday lenders or online loan companies take you to court, the odds of avoiding a wage garnishment are not in your favor. If youre being contacted by a business or a debt collector over an unpaid bill, dont dodge the call. Instead, talk to them about what you can do to settle the debt.If you want to keep the possibility of garnished wages at bay, youll need to become more financially literate and build better habits with your money. To learn more about managing your finances, check out these other posts and articles from OppLoans:8 Good Habits to Get Your Financesâ€"and Your Lifeâ€"on TrackBuilding Your Financial Life: Budgeting for BeginnersSave More Money with These 40 Expert TipsYour Guide to Escaping a Debt TrapDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN  |  InstagramContributorsCynthia Flynn is the founder and managing partner of Hackler Flynn Associates, a boutique law firm with offices in Los Angeles and Orange County that focus on employment defense. Since starting her practice, she has grown the firm to seven associates. The firm’s focus is employment law where their mission is to protect and defend business owners.Claudia Revermann has been practi cing law for 16 years. She also has 20 years of tax practice experience, holding a Certified Public Accountant license and having previously worked as a tax accountant in a large regional accounting firm. She opened her own law firm in June 2015 and recently co-founded  Lucent Tax Relief  a Minnesota based tax relief agency who helps good people put their tax problems to rest.Matthew Ryan is an attorney with the Flushing Law Group located in downtown Flushing, NY.  Matthew has been a practicing attorney for nine years with expertise in civil litigation.  His areas of expertise are in servicing clients in the areas of divorce matrimonial litigation, estate planning, and UDRP disputes.Jared Weitz  (@jaredweitz)  has been in the financial services industry for over 10 years. Due to his extensive work experience and deep network of close financial relationships, he handles a multitude of different finance options for his clients and contacts. Over the years, he has held positions in some of the largest business financing companies in the U.S. Some of his roles have been: Underwriter, Director of Business Development, Managing Partner and currently, CEO of  United Capital Source, LLC.