The Watch and Livvie :: Literature Control Essays

The Watch and Livvie Solomons silver watch contained multifaceted significance with regard to his character and its effect on Livvie--it represented prestige and wealth, control and obsession, and a intent of dark retreat. For Solomon the watch represented the prestige and wealth that were rarely attained by colored people. For he was a colored man that owned his land and had it written down in the courthouse. (P. 85) Yet the watch also had another dimensionCit meant control over his life and his possessions, including Livvie. Livvie watched Solomon as he slept. She wondered what he might be dreaming about He might be dreaming of what time it was, for even through his sopor he kept track of it like a clock, and knew how much of it went by, and waked up knowing where the hands were even before he consulted the silver watch that he never let go. (P. 89) Solomon exhibited control in all areas of his life--he planted his bottle trees to keep evil spirits away from his home, h e had a clean skank yard, and he evenly planted his roses on either side of the house. (P. 86) Knowing he owned these possessions, I believe, gave Solomon the feeling he controlled his life. The white man or anyone else did not control him. Livvie viewed this control as strict, but it was obsession. Unfortunately, all this control had a very negative impact on Livvie. She lived in a render world--a world she did not see. She saw what she could get out to see--almost what she could steal--even in her mind. But what if she would walk now into the heart of the fields and take a hoe and survive until she fell stretched out and drenched with her efforts, like other girls, and laid her cheek against the laid-open earth and shamed the old man with her humbleness and delight?

Father Franz Boas--Father of American Anthropology Essays -- essays pa

Father Franz Boas--Father of American AnthropologyFranz Boas is often referred to as the father ofAmerican anthropology because of the great influence he hadin the lives and the careers of the abutting great generation ofanthropologists in America. He came at a time whenanthropology was not considered a true science or even a meaning(prenominal) discipline and brought an air of respectabilityto the profession, giving those who followed a passion andan example of how to approach anthropology. Boas directedthe field studies and trained such prominent anthropologistsas Alfred Louis Kroeber, Robert Lowie, Margaret Mead, aswell as early(a)s. Although he did not leave as his legacy anyspecific line of eyeshot, he left a pattern that wasfollowed by numerous scientists in the next generation.Franz Boas study physics and geography in Germany andleft to pursue his hypothesis on was born and raised inGermany and studied physics and geography. After receivinghis doctorate in geography he le ft Germany and went toBaffin Island to test his hypothesis on Arctic geography. While he was there he became fascinated with the Eskimos andhow they lived. From then on he was no longer a geographerbut an Anthropologist. Boas was Jewish and was criticized all his life aboutbeing Jewish. His work showed his acerbity ofAnti-Semitism, reflecting the belief that all men arecreated equal. At the time anthropology was based on thebeliefs of men like Tylor and Spencer who believed inevolutionary theories that stated that some plenty are moreevolved than others. They believed in categorizingdifferent cultures depending on how evolved they were. These men also did not do any field work, they receivedtheir information from missionaries, government officials,and other people who traveled the world. They categorizedcultures by putting them into a line starting withbarbarians and ending with white people. Anthropologiststhen ranked them depending on how civilized they thoughtthey were. They also felt that people at the high end ofthe line(whites) had one time been where these othercultures are and feel this sort of a psychic whiztowards them. Boas was the first anthropologist to do field work. Hebelieved it was essential to live with certain cultures toget the real feel of what they were like. He be... ...tists who were trying to get the larger picture. Boaswas kindle in studying a very small and specific windowof time, which came from the data that he collected whileperforming the field work he deemed necessary to analyze aculture. There is no question that anthropology as a disciplineand as a science took on a forward-looking life after the arrival ofFrank Boas. Not only did anthropology gain respect in thescientific and the civilian world, but also it gainedrespect in the anthropological field as well. The work thatBoas performed, both in studies and in organization skills,were testaments to a man who has given so much to thediscipline. He was equal to(p) to profoundly influence a number ofthinkers and scientists in his own field the validity of hismethods of work and get them to institute them across theboard for use by all anthropologists. Boas was able to do this not only for himself, but moreimportantly, for the generations of American anthropologistsafter him. The influence that he had on Mead, Radin, et. al.is quite remarkable and take to be noted. Boas role andhonor as the head of American anthropology is welldocumented and most deserved.

Physics of Submarines Essays -- physics submarine

Submarines get down been around for longer than most people think. The first American attempts at creating a submersible sauceboat date back to the days of the Revolutionary and civilized Wars. These boats, however, turned out to be just as dangerous to the people on board as they were to the enemy boats. So the concept was put diversion for a while. But in the 1890s two men named John Holland and Simon Lake built a practical underwater boat. The US Navy bought its first submarine from Mr. Holland on April 11, 1900, a date which is thought of as the birthday of the US submarine force. Submarines progressed in engine room throughout the years and were used extensively and quite successfully in both world wars. The major breakthrough in submarine technology came in the next ten years after the war, when nuclear propulsion was developed.Early submarines were driven by big diesel engines. These engines provided plenty of power for move the propellers to drive the sub as wel l as a mien to heat the sub and provide electricity. There were however a few drawbacks, kindle economy and the ability to stay underwater for long periods of time. In recount to run a diesel engine, you of course need diesel give the sack and tons of it. This was a problem since you could only carry so much fuel on a ship. Also diesel engines give off emissions. This was not a problem as long as the submarine was on the surface. When they dove, however, there was only a limited amount of space in which you could pump the fumes before you had to surface and vent. You also need an oxygen intake from the surface. some(prenominal) of these problems were solved, however, by nuclear power. The worlds first nuclear powered submarine was an American boat called the USS Nautilus, which was p... ... .2) Freudenrich, Craig, Ph. D., and Marshall Brian. How Submarines Work. 12 Apr. 2003 .3) Lehman, Cherie Bibo. Doppler Effect. 10 Apr. 2 003 .4) Nuclear Propulsion. 13 Apr. 2003 .5) Serway, Raymond A., Robert J. Beichner, and John W. Jewett, jr. Physics for Scientists and Engineers. 5th ed. N.p. Thomson Learning, Inc., 2000.6) Vest, Bryant, and Juli Arendt. What is Sonar? 13 Apr. 2003 . Physics of Submarines Essays -- physics submarineSubmarines have been around for longer than most people think. The first American attempts at creating a submersible boat date back to the days of the Revolutionary and Civil Wars. These boats, however, turned out to be just as dangerous to the people on board as they were to the enemy boats. So the concept was put aside for a while. But in the 1890s two men named John Holland and Simon Lake built a practical underwater boat. The US Navy bought its first submarine from Mr. Holland on April 11, 1900 , a date which is thought of as the birthday of the US submarine force. Submarines progressed in technology throughout the years and were used extensively and quite successfully in both world wars. The major breakthrough in submarine technology came in the next ten years after the war, when nuclear propulsion was developed.Early submarines were driven by big diesel engines. These engines provided plenty of power for turning the propellers to drive the sub as well as a way to heat the sub and provide electricity. There were however a few drawbacks, fuel economy and the ability to stay underwater for long periods of time. In order to run a diesel engine, you of course need diesel fuel and lots of it. This was a problem since you could only carry so much fuel on a ship. Also diesel engines give off emissions. This was not a problem as long as the submarine was on the surface. When they dove, however, there was only a limited amount of space in which you could pump the fumes be fore you had to surface and vent. You also need an oxygen intake from the surface. Both of these problems were solved, however, by nuclear power. The worlds first nuclear powered submarine was an American boat called the USS Nautilus, which was p... ... .2) Freudenrich, Craig, Ph. D., and Marshall Brian. How Submarines Work. 12 Apr. 2003 .3) Lehman, Cherie Bibo. Doppler Effect. 10 Apr. 2003 .4) Nuclear Propulsion. 13 Apr. 2003 .5) Serway, Raymond A., Robert J. Beichner, and John W. Jewett, Jr. Physics for Scientists and Engineers. 5th ed. N.p. Thomson Learning, Inc., 2000.6) Vest, Bryant, and Juli Arendt. What is Sonar? 13 Apr. 2003 .

Censoring the Pages of Knowledge Essay -- Books Literature Essays

Censoring the Pages of KnowledgeImagine a terra firma where you could non read or decl are any books. How would you feel if you had someone burn your house because you have books hidden within the walls? One of the most prevalent themes in Ray Bradburys impudent Fahrenheit(postnominal) 451 is the idea of censoring. In Bradburys fictional world, owning books is illegal. A firemans job is not putting come forth fires like one may assume. In Fahrenheit 451, a fireman has the job of starting fires. Firefighters start fires in homes containing books. If this were reality, there would be no homes to live in. Books have become an integral part of American life. However, the theme of censorship is still relevant in American life. Censorship is enforced in an interesting way in Fahrenheit 451. Normally if someone was asked about the roles of firemen, they would respond, firemen are people who put out fires. The role of firemen in Fahrenheit 451 is completely different. Firemen are the enforcers of the censorship laws. They are called upon when a person is known to have books in their house. The opening line of Bradburys novel is, It was a pleasure to burn (3). Firemen seemed to enjoy their status as book burners. Many even got an adrenaline rush out of burning books. Guy Montag, the protagonist and main character of the novel was a fireman who once felt starting the fires in peoples homes was thrilling. In describing Montags actions during one finical fire, Bradbury writes, He wanted above all, like the old joke to shove a marshmallow on a stick in the furnace, while the flapping pigeon-winged books died on the porch and lawn of the house (3). This quote demonstrates the mentality of the firemen and the opinion of the government. Books are evil in t... ...in restrictions are needed. Pornography should not be available to children. I do not have a problem with parental advisory labels on music. However, putting a ban on all books is a very scary proposition. Bra dburys novel does not come close to describing how miserable this world would become. Everybody in this world depends on books whether or not they are literate. It can be said that we put down most of our morals and values from books. These morals are found in books such as the Bible, Aesops Fables, and sometimes even the trashy romance novels that women tend to love. Without books, the world could be explained in one word, educated. An uneducated world is a miserable world full of fighting and conflict. An uneducated world is a world at constant war. A world with out books is a dystopian world. Bradbury, Ray. Fahrenheit 451. New York Ballantine Books, 1953.

Essay --

Dad I want to be a professional basketball game player, words I murmured to my dad on several cause as a young boy. But could I possibly make it happen? Or would I end up just your average basketball player? Turns out not every dream can come true. Just like my dream ended, Icarus, the main character in Edward Fields poem of the same name, failed to snuff it his mythical dream life and fell to a modern, mediocre life. The poem is based on the Greek myth of Icarus and Daedalus exactly has been translated to fit the story of modern society. A mythological Icarus figuratively flies too high, only to end up falling back to society, doomed to live as a normal, urban individual. Field uses this myth to show the main characters adjustment from a dream life, to the modern reality. Field employs a fable, irony, as well as imagery to an senescent Greek myth, in order to translate the story to a modern day description of pursual and failing your dreams.Wanting to show the contrast betwe en Icaruss life before and after the fall, Field uses a metaphor which he states twice. He describes Icaruss life before the crash as one with arms that controlled huge wings, and Icarus as one who compelled the sun. He was living his mythological dream to the fullest and even had the causation to fly to the sun. In contrast, now living his average, suburban life, Field extends the metaphor and states that Icarus constructs small wings and tries to fly to the lighting fixture. A drastic change from his old life where he had such great wings that could fly to the sun, he now has trouble even reaching the light in the ceiling supra him. The poem compares modern urban life with ancient fantastical myths, contrasting mundane society with a dream world of literatur... ...ays, He had thought himself a protagonist, But he now rides commuter trains. In the society to which he fell, he was not praised for something with which he could only try to do. One must pull ahead in order to be r emembered. This adds to the irony to create a large contrast to the ancient Greek time period.The poem Icarus by Edward Field uses irony, imagery, and metaphor to translate an ancient myth to a modern society, in order to compare and contrast the reactions of the two separate societies. In ancient Greece, Icarus was a hero who died tragically. The poem illustrates that in this new society he is just a forgotten figure. Nowadays, people do not pay attention to those who try and fail. They just become the normal person in society, as the poem illustrates. For me, many people may not even remember that I played basketball. I have just become the normal athlete.

Essay --

Various shopping malls is a significant source of proteins and fat in most diets. Substantial evidence from research has shown that meat intake, mainly meat, is associated with great threats of issues including diabetes, cardiac arrest, and some forms of cancer. Numerous research suggest risky of death range associated with meat intake. However, most of these research have been done in areas with a high amount of vegans (such as the Seventh Day Adventists in the U.S. and some research in Europe). A recent giving cohort research with 10 decades of adhere to up discovered that a greater intake of complete meat and prepared meat was attached to risky of death rate. However, this research did non differ prepared and non-processed meat, and eating plan and other factors were only assessed at guideline. Furthermore, no research has so far examined whether replacement of other outlets for meat is connected with a reduced death rate threat.Therefore, they studied the organization betwe en meat intake and complete and cause-specific death rate in two large cohorts with recurring measures of eating plan and up to 28 decades of follow-up the Wellness Professionals Follow-up Study (HPFS) and Nurses Wellness Study (NHS). They also approximated the organizations of replacing other sources of proteins for meat with complete and cause-specific death rate.In 1980, a 61 item FFQ was given among the NHS members to gather details on their normal intake of meals and drinks in the past year. In 1984, 1986, 1990, 1994, 1998, 2002 and 2006, almost the same but extended FFQs with 131 to 166 products were sent to these members to update their eating plan plan. Using the extended FFQ employed in the NHS, nutritional information was stash away every 4 years starti... ... and veggies. Unprocessed and prepared meat intake was moderately applicable (0.40 in HPFS and 0.37 in NHS). However, meat intake was less relevant with intake of chicken or seafood. During the follow-up, meat inta ke declined in both men and ladies. For example, the common intake of natural meat came down from .75 to .63 servings per day from 1986 to 2006 in men, and dropped down from 1.10 to 0.55 servings per day from 1980 to 2006 in women.In conclusion, they discovered that a greater intake of natural and prepared meat is associated with a greater death rate threat. In contrast to meat, other nutritional elements, such as seafood, chicken, nut products, beans, low-fat milk products and whole grains, were associated with a reduced threat. These outcomes indicate that replacement of meat with intervene healthier nutritional elements may reduce the death rate threat.

Essay --

Various shopping malls is a significant source of proteins and fat in virtually diets. comforting evidence from research has shown that meat inspiration, mainly meat, is associated with greater threats of issues including diabetes, cardiac arrest, and some forms of cancer. Numerous research suggest risky of death rate associated with meat intake. However, most of these research have been done in areas with a high amount of vegans (such as the Seventh Day Adventists in the U.S. and some research in Europe). A recent large cohort research with 10 decades of adhere to up discovered that a greater intake of stark(a) meat and wide-awake meat was connected to risky of death rate. However, this research did not differ prepared and non-processed meat, and eating plan and other factors were only assessed at guideline. Furthermore, no research has so far examined whether replacement of other outlets for meat is connected with a reduced death rate threat.Therefore, they studied the organi zation between meat intake and complete and cause-specific death rate in two large cohorts with recurring measures of eating plan and up to 28 decades of follow-up the wellness Professionals Follow-up Study (HPFS) and Nurses Wellness Study (NHS). They also approximated the organizations of replacing other sources of proteins for meat with complete and cause-specific death rate.In 1980, a 61 item FFQ was given among the NHS members to gather details on their normal intake of meals and drinks in the past year. In 1984, 1986, 1990, 1994, 1998, 2002 and 2006, almost the same but lengthy FFQs with 131 to 166 products were sent to these members to update their eating plan plan. Using the extended FFQ employed in the NHS, nutritional information was collected every 4 years starti... ... and veggies. Unprocessed and prepared meat intake was moderately relevant (0.40 in HPFS and 0.37 in NHS). However, meat intake was less relevant with intake of chicken or seafood. During the follow-up, me at intake declined in both men and ladies. For example, the common intake of natural meat came down from .75 to .63 servings per day from 1986 to 2006 in men, and dropped down from 1.10 to 0.55 servings per day from 1980 to 2006 in women.In conclusion, they discovered that a greater intake of natural and prepared meat is associated with a greater death rate threat. In contrast to meat, other nutritional elements, such as seafood, chicken, nut products, beans, low-fat milk products and whole grains, were associated with a reduced threat. These outcomes indicate that replacement of meat with substitute healthier nutritional elements may reduce the death rate threat.

Business In Internet Essay

1. Is chitter just a bright idea or a real business opportunity? To what extent does Twitters situation reflect the past record of its founders?In my opinion, I think chirrup is a good business opportunity. Like other internet service, twitter has a large number of employment uprs, which provide a potential revenue foundation. At present, twitters priority is to find a revenue determine to transfer the commodious of users to money. If twitter finds thus a model, it will become another internet service giant in the world.At present, Twitters functional model is not original intention of the founder, William, which is an incident idea. After that, the founder notice that this model is suitable with peoples wants, allowing to disseminate entropy to others in real-time. The founder has a good idea for establishing company but not having a good idea to earn profit from the business.2. A). what is Twitters Advantages and challenges given it chosen technology configuration?First, Twit ter is easy to use. Twitter only focus on development text to communication. Users nates easily to use twitter without learning or training. The challenge for the method is that text is dull. Some of users would feel twitter is not attractable.Second, web-based platform is another advantage for Twitter. Users posterior use Twitter service by accessing website from different systems.In my opinion, open source platform will bring twitter a great potential. Users can go own application on Twitters according to their own interests. However, open source also has challenges that the malicious application can spread without proper supervision.B). what are the benefits and challenges for corporations expression to use Twitter internally and externallyBenefit for internally using Twitter the communication among employees or managers would be efficient because Twitter is just-in-time communication platform. Managers can use Twitter to transmit their order to the specific followers (emplo yees) employees also can report work to managers by using the same method. Challenges for internally using Twitter it is very different to organize the followers. And it is also danger to use Twitter to transmit business confidence. Using Twitter also can increment whisper or rumor spreading inside the unifieds.Benefit for externally using Twitter the customers can get new product information of the corporate on time, which is a good promotion and marketing method. The challenge for externally using Twitter is that marketing effect coverage significantly depends on the internet.3. What has been Twitters marketing approach to date, and is it sustainable?Right now, in my opinion, Twitter has a very simple marketing approach to earn money, firstly, using abundant users to attract venture capital investors. Secondly, Twitter sells (Twitter name) to big companies or big events. At present, none of twitter functions charge personal users. Most of its expenditure comes from the venture capital. For a long term, this approach cannot survive however, the investors know the potential of Twitter. In the future, Twitter will provide difference revenue model to earn profit.4. fanny Twitter ever earn profits? If so, what are the best ways it can monetize?In my opinion, Twitter can earn profits in the future, if it does that adopting advertising models would be a good method to earn money. Secondly, it is necessary to create paid content for users who want to have further service. Thirdly, Twitter can cooperate with publishers, job agencies, etc. collecting commission.

Analysis of Commercial Bank Balance Sheet

CONTENTS INTRODUCTION DEFINITION_ OF COMMERCIAL BANK_ *Banks and other deposit taking institutions ar financial intermediaries whose summations consist overwhelmingly of loans to a wide variety of borrowers and whose liabilities consist overwhelmingly of deposits. THE ECONOMICS OF MONEY BANKING AND FINANCE 3rd* Edition PETER HOWELLS & KEITH BAIN Pg 32 A sound system of briming is very important for each economy. Commercial banks be directly related to the compensation system of the economy. Gener eachy about technical banks be controlled by the telephone exchange bank of that particular country.The central bank wad neer allow the banking system to fail beca manipulation if banks start to fail the pay system entrust fail. They may allow some banks to fail but the government will never allow spectacular banks or the whole payment system to collapse. This is very evident from the recent where government hurl pumped in huge amount of money to save the so called too big to fail banks. Banks helps in the payment services through various kinds of deposits, debit cards and identification cards ANALYSIS OF COMMERCIAL BANK BALANCE flat solid For my assignment I have picked up Lloyds TSB as my bank. Lloyds TSB is one of the four biggest bank in the UK.I have taken 2007 annual report as the group has published only the 2008 interim report. The second item which we see in Lloyds TSB remainder sheet is loan and advances to banks. It reflects the interbank relationship. This figure has fallen for most of the commercial bank and also for Lloyds TSB there is an decrease of 16. 50%. This is due to the financial crisis which has hit banking sector very rottenly and many banks have failed as a result. Llyods TSB gives loans to customer just handle any other commercial bank and bank charge an by-line for giving loans which is higher than the interest on deposit. moreover there is always a default try attached with the loan which the bank gives. Commercial Banks gives different kinds of loans starting from mortgage, education loan, overdraft facility etc. In case of Lloyds TSB mortgage comes forth to be 48. 4% of loans to customer. And thing we should bear in mind is that mortgage are long term loan and it do-nothing be for 30 years as well. Customer Accounts got an gain of 11% and there is an increase of 11% from 2006 to 2007. LIABILITIES OF LLOYDS TSB Lloyds TSB is also having some fixed deposit like Certificates of deposit.In these deposits customers cannot withdraw there money before a specified time and they also receive some interest as well. Second are the commercial papers which are unsecured promissory notes to meet short term obligations. Certificate of Deposit comes to around 14,995 billion GBP and commercial paper is 17,388 million GBP for Lloyds TSB. Lloyds TSB is also having reserves after paying reserves. This reserve can be used in case of emergency or any unexpected risks The main(prenominal) risks that commerci al banks face due to their characterisation to different kinds of assets and liabilities are fluidness risks, market risk and deferred payment risk.Lloyds TSB faces fluidness risk because of deposit in central bank. They have a deposit of 4330 million GBP. This means that they cannot give this amount as loans because its stuck with the central bank. This amount has increased considerably from 2006 to 2007. The bank faces liquidity risk because of their mismatch in assets and liabilities side. The group liquidity risk delineation is 33,185 million GBP. The main sources of liquidity risk for the bank are deposits from banks and customer accounts. As we seen to a higher place the assets of Lloyds TSB are long term whereas the liabilities are short term.The commercial bank is the main source of payment service in any economy. Whenever bank gives loan they are exposed to default risk. Default risk arises whenever a company or individual is unable to meets its obligation on interest or principle payment of the loan. The bank faces asymmetric information problem as well. Though the bank does proper due diligence before giving out any loans but asymmetric information problem cannot be ruled out with any banks at all. Due to asymmetric information we have unfavorable selection and moral feign problem.Adverse selection problem comes to picture before entering into the transaction. In short the bank has to filter the good borrowers and the bad borrowers. Sometimes the bank may give loan to the bad borrowers and may suffer of this. Though banks have put checks like credit history before making out the loan but adverse selection problem cannot be neglected completely. The other problem which is created because of asymmetric information is moral hazard problem. The moral hazard problem starts after the bank has sanctioned the loan. Borrowers may get into undesirable activities.The main objective for which the loan was sanctioned may never get fulfilled. The other si de of moral hazard problem is the conflict of interest between the borrower and the bank. Borrowers may try to act on their interest sooner than the interest of the bank. Banks like Lloyds TSB can overcome the problems of adverse selection and moral hazards if they have proper check and control on their customers but rarely any bank achieves 100% success in these problems. These are two most important risks which any financial intermediary faces in order to serve their most important duty i. e. ayment services to the economy. Just like any other financial institution the group also faces credit risk. textbookmark-start Credit risk textbookmark-end is risk due to uncertainty in a counterpartys (also called an textbookmark-start obligor textbookmark-end s or textbookmark-start credits textbookmark-end ) ability to meet its obligations. Because there are many types of counterpartiesfrom individuals to sovereign governmentsand many different types of obligationsfrom auto loans to deriva tives transactionscredit risk takes many forms. (www. riskglossary. om). After the groups acquisition of Halifax of Scotland, the credit rating of the bank has come down. In order to counter credit risk credit rating plays a very important role. The group exposure to credit risk is 356,860 million GBP. PART 2 Asset Liability Management The ALM group within a bank has been concerned with control of interest rate risk on the balance sheet. For some bank it may be equally important to manage interest rate risk arising from rancid balance sheet, but it is instructive to look at the traditional methods and progress to the relatively new procedures. (HEFFERNAN, SHELAGH A. 2005) Moreover banks have mismatch in maturity of their asset and liability. Banks use asset liability management to manage interest rate risk, market risk and credit risk. Lets take an example where all deposits are on fixed rate of interest but all loans are made on floating rate of interest. Commercial banks mainly use three types of markets to cover these risks. These are money market, capital market and derivative market. Capital Market is generally used by large companies or governments to nip and tuck funds for the long period.Capital market can be of two types like primary market, securities are traded for the first time and secondary market, and in this securities are traded after they are traded in the primary market. Another subdivision of capital market is bond market and standard market. There are various stock market around the world like London Stock Exchange, whereas bond market includes different kinds of bonds like government bonds (US Treasury bills), foreign bonds etc. integrity of the most important changes in this market is the development of asset backed securities. textbookmark-start Securitization textbookmark-end is a financial transaction in which assets are pooled and securities representing interests in the pool are issued. (http//www. riskglossary. com/) When secu ritization is backed by any assets such as student loan, mortgages this becomes asset backed security. Lloyds TSB also securitizes its assets in order to overcome its liquidity problem. The process of securitization has become quite complex with the introduction of Collateralized Debt Obligation, Collateralized Loan Obligation etc.And these complex securities are the heart of the financial crisis. Lloyds TSB is not having much exposure to these complex securities. Banks get into off balance sheet activities to get more profit. It helps the bank to get fee income. One more advantage of off balance sheet activity is that it does not appear into the balance sheet of the bank. The derivative market is also used by the bank to hedge their risks. By their nature, derivatives instruments can be used for hedging different types of risks.Owing to this, banks and insurance companies use derivatives in the management of their Asset Liability Management (Cornelius Nandyal, 2001). The derivative market is passage through lot of new changes. Regulators are trying to put lot of new regulations in order to bring transparency. Banks use interest rate swaps, credit default swaps, total return swap, credit linked notes etc. But different people have different views on derivatives. According to Warren rap derivatives are weapon of mass destruction and can act as time bombs in the future.Whereas Alan Greenspan says Derivatives have permitted the unbundling of financial risks. Because risks can be unbundled, individual financial instruments now can be analyzed in terms of their common underlying risk factors, and risks can be managed on a portfolio basis. Banks have also used money market for asset liability management. The most important organ of the money market is the interbank market. In interbank market banks with surplus chip in to bank with deficit. This market is severely hit by the recent financial crisis.Banks dont know about the financial soundness of the bank to whic h they are lending. This has increased the liquidity problem of the bank. Other types of market are the gilt repo, commercial paper market and the certificate of deposit market. As we have seen above Lloyds TSB invest in commercial paper and certificate of deposit. Securitization and the Global Financial Crisis DIAGRAMATIC EXPLANATION OF SECURITIZATION drawframe Source http//www. usbancortrusteeservices. com/images/ygpa7_chart_offering_structure_ptnm. pg The recent crisis started because of the sub native mortgage loans that originated in the USA. But these loans were repackaged and sold all round the world, so this crisis which began in USA became a worldwide crisis. Securitization gives banks lot more leverage. The seeds of the recent crisis were sown in when the Federal Reserve made interest rates around 1% and the economy was pumped with lot of cash. Banks started giving these loans as mortgage to the sub prime customers, without any credit check and at very easy terms and cond ition.Once interest rate started to increase in 2004, borrowers started to default on their loans. With the increase of interest rates house prices started to come down. Credit rating agencies who gave these securities AAA rating made these securities junk. The assumption on which these rating agencies were working was that house prices will keep raisingin the future as well. The combination of low capital requirements imposed on AAA-rated assets and a commonly held perception that they were safe, allowed banks to hold on to any senior tranches that were not sold to investors.But when the structured finance market collapsed in late 2007, the investment banks found themselves holding hundreds of billions of dollars of low-quality asset pools, many of which consisted of leveraged buy-outs loans, subprime mortgages, and bonds from CDOs in process-that is, where the tranches had not yet been sold to other investors. (Coval et al, 2008) No one knows the worth of these complex securitie s which the banks are holding. Banks have stopped lending to each other because no one is sure of how much the other bank is holding. So interbank market is almost closed.

Certified Public Accountant

They should analyze the relationship of academic performance of BAS students in their true accounting profession. There is a strong positive relationship between these cardinal variables. Since there is a positive correlation, it reveals that there should be written policies that state the benchmark of required grades for accounting subjects in order to maintain a thinkable high rate of passers. Standardized Table of Specification (TOSS) is in like manner recommended in order to give weight on a more important take of the weapons platform.The school is given the privilege to require standard admission requirements to the program as reflected in its manual of regulations for students (SHED, 2007). In the united States and some other countries in the west, to become a Certified public Accountant (CPA) in a specific state, you must not only finish a bachelors degree. You must excessively present some requirements that exit qualify you as an applicant. In order to be qualified, th ere is an aptitude test that you should pass. The said test provide amount of money not only the cognitive just now also the affective side of the person taking it.In the Philippines, being a Certified Public Accountant (CPA) is as hard to get as in other countries. For mental testple, in the Far Eastern university (FIJI), Students wishing to pursue a degree in accountancy hint to the CPA examen shall be enrolled initially in BASS-Major in Internal Auditing. After completing the course requirements for the first four forms of look at, the student shall be granted the degree of Bachelor of Science in Business Administration-Major in Internal Auditing.Qualified students will be eligible to proceed to a fifth year of shoot, after which they will be granted the degree of Bachelor of Science in Accountancy which will qualify them for the CPA examination. At the end of the five-year program, the triple-crown student shall have earned two separate degrees (BASS-IA and BAS). To si mplify the situation, you have to study and finish a connect course first before pursue the degree in accountancy. There is a different scenario in other universities. There is a remembering program that mandates every student to have an examination conducted yearly and pass it in order to continue studying Accountancy.If they failed to do so, they are required to shift to another business related courses. To name a few, University of the Philippines (UP), De La Sale University (DULLS), and Polytechnic University of the Philippines (PUP) are some of the universities that regulate this program. In this instance, they should study accountancy first and if they fail, they will have no option but to pursue another business related course to continue their studies. This means a different pathway to a quite different charge. In Our skirt of Fatima University (LOFT), the same retention program applies.Freshmen students, after their second semester, will take a bye exam and pass it fo r them to continue studying as a sophomore accounting student in the next school year. Sophomore students, during summer vacation, will also take a serve exam in order to be a junior accounting student of the university. If the students failed to pass the exam, they have no choice but to shift to another program related to BAS which they like or continue the study in accounting with the degree Of Bachelor of Science in Accounting Technology (BASS), a non-board program.The study aims to get it on the goal of the retention program implemented in ELF for their BAS students and if it is a necessary venture for them to take it. Statement of the Problem As accountancy students themselves, the researchers want to study and investigate the advantages and disadvantages of taking the qualifying exam of students taking up Accountancy. The researchers also want to find out the learning that the students will gain from taking the qualifying exam and if these help them to enhance their noesis and skills in accountancy.The study also wants to express the feelings of both parties (the students and the university) on why the university should implement this kind of retention program and observe the effects of the implementation of the retention program in producing professionals of the landed estate. The questions can be summarized as follows 1 . What is the passing rate of accountancy students in qualifying exam in accountancy? 2. What are the struggles/difficulties met by test takers? 3. What are the benefits of the qualifying exam for accountancy students? 4. What will be the effect of this to the public? 5.How will the finding may be utilized? Sass motion/Hypothesis 1 . The passing rate of accountancy student in the qualifying exam in accountancy should be more than 50% 2. The students will face more challenges, pressure and stress before taking the test such as long clipping of reviewing, deprivation of their sleep, and the expectation of their parents to them. Time pressure is also one of the obstacles that should have to be overcome by the examinees during the examination. 3. The lessons that they will learn in the qualifying exam is of great help to them when they already finish the degree in accountancy.The exam will hone their potentials that they already have and use it to the career that they have chosen, and that is to be a professional accountant. 4. The qualifying exam will produce better accountant and will help in the progress of the country because they have professionals who have excellent background and expertise on the field they have chosen. 5. The findings can be a source of teaching in finding the season of the implementation of the said retention program. Significance of the study Accounting Department. This study would be able to give assistance to everyone in the Accounting Industry.It will be a great source of information regarding the continuous improvement of programs for the higher rate of qualified accountants. Sopho more Students of College of Business and Accountancy. The researcher will be able to assist the students who will take the qualifying exam about the proper preparations, the dos and dont, and other tips that will be their advantage in taking the exams. Teachers and Professors of the Program. experience of this study will guide professors and other instructors in the improvement of the curriculum for the betterment of their teaching strategies that will benefit both the students and themselves as well.Future Researchers. The study would be able to give aid, support, guidance and advice to the future researchers who will also study similar issues. Some of its part could have a resemblance in their study so it would be a great comfort for them to know the facts regarding the problems alike. Scope and Delimitation This study was conducted to determine the advantages and disadvantages of taking the qualifying exam in Accountancy. The retention program implemented by the university has b een advised as a basis of the learning of the students and if they are capable of taking Accountancy.This study will discover the knowledge the students will acquire in taking the qualifying exam and how it will help them improve their knowledge and skills in Accountancy. This study would be most germane(predicate) to the third year students of Our Lady of Fatima University (LOFT-Antipodal Campus) taking up the degree program of Accountancy. However, this study will not cover other branches of Our Lady of Fatima University due to time and financial constraints. It was not possible to cover a argue number of respondents because getting them required more resources, considerable time and other logistics.Materials and Methods The Researchers aim to discourse the advantages and disadvantages Of students taking the qualifying examination in Accountancy which todays concerned of accountancy students who wants to graduate as accountants however they required to pass the qualifying examin ation first. The information related to the topic is gathered in different references such as books, research papers, online sources and survey questionnaire. The Researcher chose selected third year Accountancy students of Our Lady f Fatima University as their respondents.The particular student will answer the provided survey forms that indicated information on what are their views (advantages and disadvantages) on taking the qualifying examination. The data will be analyzed through the use of a table that serves as the summary of the response or the answer of the respondents who took the survey question. In addition, the Researcher will also ask some faculty of College of Business and Accountancy about their opinions in the advantages and disadvantages of taking the qualifying examination for the students. Definition of terms Accountancy.

The Purpose and Function of University Education

Purposes and functions of university education My own reflection With the six year stern works in my standby studies, finally I get into university. I am relieved that there is no more past paper and macrocosm examination on one hand but I find that I am lost on the other hand. As a freshman, the run across in first month of university life is out of my expectation I am totally free There are so many unmistakable times and so few coursework to do. No more control from the class teachers. No more annoying reminders from my parents.All I bewilder got is the time to exemplify, play and play (and a little time for lessons, of course). When September has come to an end and October comes as an old friend, I start to wonder Should my university life go like this? It seems that I am getting lost in a big forest, losing my way, since I do not have a goal. When I was studying in secondary school, there was one goal waiting for me to achieve getting into university. Now, I have attained it. Then, whats next? University is not equal to vocational genteelness institute. My class teacher has once told me. Now it appears in my mind suddenly. In theory, what you have chosen to study is highly likely to be your career aft(prenominal) you graduate. Taking the BBA students as an example, which is the commonest, they are likely to participate in jobs related to finance when they finish their tertiary studies, and it is undeniable in practice. But would the same continue to students of arts like me? If I am going to take criminology as my major in year 2, what is my job going to be in the approaching? A policewoman?The future female Sherlock Holmes? If university is a place where you are going to decide your future career by your major, does it sound conscious that students major in English should be an English teacher? Definitely not, since there are many possibilities even you are majoring in English. Even though you are practicing a specific skill in university, it does not mean that you should give up the opportunity to discover new things. The theory I have just mentioned above is true, however, not absolutely true, especially to the arts students.Since there are many possibilities in the university life, I know that I will be given different chances to try out different things, which is new to me, and it will enable me to discover myself, know more about myself. I am positive(p) that this is the function of university education providing a space for learning, discovering, and experiencing. Throughout these three processes, the main purpose of university education rising up students who are able to think severally and work as a team or individually, can be fulfilled.Apparently, how to have a good job is the last thing for me to consider decent now. At this moment, my goal is try to become an active learner, who can ask questions with confidence, get involved in the classes and clubs, and eventually become self-independent and self- initi ative, which is a vital diagnostic I believe that it is more important than getting a high GPA. Learn how to learn, this is the reason why I am here, studying in university.

Cipd

DEP F301A (L&D) CIPD Assessment Activity Template Title of unit/sDeveloping Yourself as an Effective Learning & Development Practitioner Unit No/s4DEP (L&D) LevelFoundation Credit value4 Assessment methodWritten, Discussion Learning outcomes 1. Understand the fuckledge, skills and behaviours required to be an effective L&D practitioner. 2. Know how to deliver by the bye and effective L&D services to meet users needs. 3. Be able to reflect on own put and breeding needs and maintain a plan for personal victimization. All activities should be completedActivity 1 (Note The CIPD Human Resources Profession Map (HRPM) can be accessed at www. cipd. co. uk/cipd-hr-profession/hr-profession-map/explore-map. aspx ) Write a report in which you briefly summarise the HRPM (i. e. the 2 nub professional areas, the remaining professional areas, the messs and the behaviours) comment on the activities and knowledge contract within all 1 professional area, at either band 1 or band 2, pointing t hose you consider most essential to your own (or opposite identified) L&D role. Activity 2With reference to your own (or other identified) role, outline how an L&D practitioner should ensure the services they provide are timely and effective. You should allow understanding customer needs (include examples of 3 antithetical customers and 1 need for each, and explain how you would prioritise irrelevant needs) effective communication (include examples of 3 varied communication methods and the advantages and disadvantages of each) effective service delivery (include delivering service on time, delivering service on figure, dealing with difficult customers, handling and resolving complaints)Activity 3 (Note The CIPD Associate social rank Criteria can be downloaded at www. cipd. co. uk/ Membership/transformingmembership/ New-membership-criteria/about-associate-member. htm ) Undertake a self-assessment against the CIPD Associate Membership criteria, identifying any areas you need to develop in erect to meet them. use a template, such as www. cipd. co. uk/cpd/ advocate/cpdrecordandplan, devise a plan to meet your development needs, including those identified above, and the achievement of your CIPD qualification.The plan should be for a negligible of 6 months. Discuss your plan with (or provide a written note to) your tutor explaining why you believe CPD to be important and explaining at least 2 of the options you considered for meeting your development needs. Activity 4 During the period of your studies, reflect on your performance against the plan, including learning gained from each unit of your qualification, and add reflective comments to the plan. As you progress, identify any further development needs and revise your plan accordingly.Assessment Criteria 1. 1 2. 1 2. 2 2. 3 3. 2 3. 4 3. 1 3. 3 3. 5 Evidence to be produced Activities 1 & 2 Report of approximately 1500 words Activity 3 A Development Plan/Record Tutors written confirmation that the Develop ment Plan has been discussed (OR a written explanatory note from the learner). Activity 4 Written records of on-going reflection and, where appropriate, revision of the plan to include further development needs and solutions. NB Activity 4 leave therefore not be complete until the end of the programme. ) 4 DEP Assessment focal point Revised May 2012 AC 1. 1The explanation should refer to the HRPM, and include a summary of the HRPM (particularly the 2 core professional areas) and an explanation of the activities and knowledge, at either band 1 or 2, of any one of the professional areas. AC 2. 1Learners should identify 3 users of HR services and one need for each.They should also explain how conflicting needs would be identified and prioritised. AC 2. 2Learners should identify 3 methods and advantages and disadvantages of each. AC 2. 3The description should include delivering service on time delivering service within bud accomplish dealing with difficult customers and handling and resolving complaints. AC 3. 1Learners should define and explain the importance of CPD. AC 3. 2Learners should self-assess against the CIPD Associate Membership requirements to identify development needs.AC 3. 3Learners should evaluate at least 2 options for meeting development needs. AC 3. 4The plan should be for a minimum of 6 months. A template is available at www. cipd. co. uk/cpd/guidance/cpdrecordandplan AC 3. 5Learners should provide a written reflection on their performance against the plan, including the learning gained from each unit of their qualification, and update the plan with any forward-looking development needs, as they are identified.CIPDPolitical discrepancy as we are a companionship that has an agreement with Qatar government for the supply of natural gas, It Is Important to keep our just relation with the country to continue the blood. New source of energy Dolphin Energy is a smart set that supplies gas to the customers, in case of finding any applicable so urce of energy for gas that is less costly and has no impact to the environment, our company will shut down and loses its business. Price changes If the prices of the equipment used in the operation escalated, the price of our harvest will increase. New competitor another external factor that would affect the company is if there is a new company of gas Joining the market.Such competitors will affect our market price, It will pull in an effect on our man creator costs, people will compare the pure tone of the product produced, etc. 5- How the business is structured Dolphin Energy has so many functions that plays Important role in the make-up. Below, I will be explaining only quartet functions. Our companys structure Is considered functional structure because It has similar connected actively that are grouped together in departments.Function Discretion Corporate Communications Dolphins corporate communications department handles all communication undertaken by the company to al l its publics or stakeholders. Strategic and Corporate Planning It is responsible for all economic and corporate preparedness duties at Dolphin Energy. SHE It is responsible about the laity of the products, the health of the employees, the safety of the running(a) area, and making sure they are taking good care for environmental issues.Human Resources They offer services to their employees in Talent Management, recruitment, policy, compensation, employee relation, develop, and office guidance. O- Different functions hiting together Dolphin Energy works with different departments very closely in order to take sure operation, the operation works closely with different departments to ensure they are meeting their objective. For example, operation works with human resources to circuit quality employees that have all the required qualifications skills that are needed for technical skills.Moreover, when an employee Joins the company, operation department will want their new Joiners to undertake some kind of trainings to modify them have the needed skills to operate in the field. Quality, health, safety and environment department as well works with other functions to reach their goals. SHE facilitates everything that is necessary in the operational area to ensure that the employees are working in a safe environment to minimize all the risks that might occur during the operation. SHE will also make sure that our equipments and machines do not harm the marine habitat and cause and eruption or pollution.Furthermore, SHE wants to educate the employees about some safety matters and they co out with the training department to implement such trainings. 7- The culture of the organization and how it affects the operations I believe Dolphin Energy has a mixture of task and power culture. It is considered a role culture because each employee is assigned to a particular role or Job they have all their tasks and roles listed in their Job description. When we have everyth ing pacified, it will help us know what each individual does and therefore no duplication in work.On the other hand, we can say that our organization is a task oriented culture as well. That is because Dolphin I-JAKE and Qatar work together in so many projects as a team to complete tasks for example, our training department in I-JAKE works with Stars to reach the departments goals and objective. The teams will be doing a specified task to complete it in a time and budget given. This compound culture has a positive impact on the organization because it will get the most efficiency out of his effort by having everything with guidelines yet working in teams in common projects and assignments.Activity B 1- Organization Strategy The companys strategy is to have an economic wealth as well as creating business prospects for I-JAKE nationals and ICC citizens for the future. Our company has clear vision and mission that is set which makes the employees well aware of where the company is he ading and what is their future objective. Having the vision and mission clear will create order therefore will help us in proportioning our tasks. 2- How does HER strategy admits the organization strategy?The HER does a lot of things that supports the organizations strategy. Starting from recruiting a competent employee to developing them. The HER work closely with other departments as one team to reach the organizations strategy. Below is a list of some the things the HER does to support Dolphin Energy Objectives HER Strategy financial backing Organizations Objectives Recruitment HER uses the best ways to hire an employee. For example, we deal with hiring agents that would get us the best people in the market.Moreover, we hire people through referral programs where an existing employee refers psyche who is capable to take the Job. As well, HER have internal posting for the employees who would recommend themselves to undertake the posted position. We use technology for the hiring process candidates can now trance all the open posts on our website to compensation team participates in researches, surveys and benchmarking with companies who similar to us so we are updated with the latest paying trends and we are competing with similar industries in the market.When the company does such things, it will retain current employees specially the high potential and talented ones. Retain Talent Management One thing TM is responsible for is induction sessions which the new Joiners undertake to familiarize them with the companys departments and its work nature. This will help the employee adapt faster and work more effectively when working with different divisions. Different development plans for fresh graduate students and existing employees.Offering scholarships and sponsorship to educate our employees and make them update their skills and knowledge to achieve the companys goals. Having high potential programs and succession planning which helps the employees get be actived and it will encourage them work harder to achieve the companys strategy. How can HER/L&D professional support line managers and their staff? The HER and learning and Development support line managers in so many different ways. Some of these things are HER helps line managers in recruiting well qualified candidates to fill the vacant position.They do that through scanning C.V. and looking for candidates that has the skills required for the Job and then they do interviews and psychometric tests for them. When HER hires high talented people, it will help them accomplish work in high-octane and effective way to meet the business goals. This way the HER will be eating the best talent out there in the market. Learning and development helps the new Joiners have a brief orientation through all the departments in the company to give a good idea about the business and how each department operates.This will help the employees know everything about our business and help them work b etter with the division to achieve the goals of the company. Having HER updates sessions that would help the HER employees and line managers know the latest updates that is happening in the HER which will help them understand how the process is and what HER services is offered. Offering best practices in Learning and development, which will encourage and motivate the employees to perform better. Help line managers to achieve their KIP to achieve the organization objectives. Ensuring that the employees are working in a good working environment. 4- How does HER/L&D contribute in the successful of an organization? To define success, first we need to know what things that makes the organization successful. Organizations have a lot of objectives each year, general objectives will be ambiguous, so one of the keys to success is to have a clear objectives. For example, avian clear mission, vision, strategy and goals clear and it should be known to everyone throughout the organization.Ever ything the organization does, for example, the policies and procedures that are written, he different types of programs we offer, the services we provide, etc are all clearly linked to the companys objectives for being successful. Lurch mentioned, there are four ways to a successful organization strong relation with their internal clients and they act as a focal point for certain divisions. This can be done by having good relation with the senior management in order to align the HER strategy with the business objectives. Change Agent is the team that participates in changing the management team and then communicate internally to everyone to ensure smoothness of the process and then gain their trust. Change agent will ensure that the employees are adapting to new changes. Administration Expert it acts in a professional in the way that it executes its Job and uses the organization resources in an efficient manner. Employee Champion it plays as a core of the HER. HER should represent the employees, look for their best interest and make sure that strategic initiatives are balanced.

Why Should We Ban Gmos?

GMOs or genetically modified organisms prevail been a controversial frontier since the middle 1990s when the FDA approved the papaya to be genetically altered to save it from a worldwide virus leading to its demise. The rash and uneducated finality to save the papaya came without any form of keen-sighted term do to the delicate balance of our eco-system and populous. The trouble with genetically modified foods is the potential unknown and the long term affects they truly well potentially could propose.According to a poll taken by CNBC on April 28th, 2011 eighty-two percent of Americans are against GMOs 1. The long term effects are becoming more and more prevalent within our society as GMOs continue to be around longer and with more research beingness done the possibilities for harm increase daily. While I wont deny the overall idea here has great potential such as potentially virus and fungi immune crops as well as drought resistant crops 2 the overall study and research on this subject is very limited and vague.The side effects of GMOs is already showing up in certain grains and beans such as chronic wasting of internal organs to rats supply genetically modified potatoes and large amounts of defects produced in rats being fed high a diet of herbicide resistant soybeans such as sterile babies and weedy birth 3. I feel the decision to push heavily for GMOs and filling over seventy percent of American grocery stores with unlabeled GMOs 4 has largely to do with the tyrants who control the market such as Nestle, General Mills, PepsiCo, and Monsanto.While America is being controlled by such companies being the largest consumer of GMOs by over double any early(a) continent or nation 5 while many others such as Japan, Australia, and many of the European Union have heavy restrictions or bans on such goods where consumer rejection has taken place forcing GMOs out. If eighty-two percent of America are against GMOs they must stand up for their beliefs and non be conquered by these tyrants. The FDAs states, Theoretically, genetic modifications have the potential to activate cryptic pathways synthesizing unknown or unexpected toxicants, or to increase expression from active pathways that ordinarily produce low or undetectable levels of toxicants. The FDA encourages companies that are bear on about toxicity to consult informally with the agency on testing protocols for whole foods when appropriate. ) meaning these laws are hardly enforced, if the company is concerned with toxicity they suggest testing and do not require it 4. In a bio technicians terms genetic modification is the insertion of a gene from a completely foreign and non-related species or organism using a virus or bacteria as a access entry into the cellular compound. These gateway and seemly harmless viruses and bacteria are now becoming active in humans due to large amounts of GMO consumption.This is also posing another problem by triggering other genes within the human body and DNA to bring about new allergens among many other things. The FDA refuses to require testing of GMO products claiming they have not found it necessary to conduct, prior to marketing, routine respectablety reviews of whole foods derived from plants. The FDA is also against labeling GMO products with the mind set of it creating a public concern and panic for goods that are safe to eat. Food manufacturers also worry that labeling GM products with warnings could cause food prices to rise and create uncalled for concern among consumers. If there is so much concern for stating the potentially change magnitude side effects then GMOs should be taken off the market and a very in-depth and detailed study should be conducted for the next several years to really make sure this is a revolutionary step for the Earth and its people.

Curley’s Wife

How does Steinbeck present the character of Curlers wife in Of Mice and Men? Steinbecks Of Mice and Men is a poignant tale which tells of a number of disconnected, isolated characters. Curlers wife epitomises the extreme solitude of the hu reality condition. Although she only makes a significant appearance three times in the novel, she plays an important run down open both in terms of plot development and in terms of furthering the endorsers understanding of the theme of seclusion and alienation.Steinbeck uses a number of techniques to portray Curlers wife and the resulting character is fairly gruelling to pin down. Although Steinbeck uses a trinity person omniscient narrator, it is important to acknowledge that we contract of Curlers wife through a priapic pur cipher the author/ narrator is male, as are all of the other feast dwellers who comment on and pass judgment Curlers wife, potentially subtly prejudicing the reader. Curlers wife is known throughout the novel as Cu rlers wife and this has a number of effects. Firstly, her want of personal identity dehumanises her.Every other character, including Crooks, has a name. Curlers wife is consistently identified as her husbands possession. This is a unceasing reminder as to the main reason that the anch workers cannot talk to her they are anxious that Curley could take offence at any male engagement with his wife and that, because he is the bosss son, they could lose their Jobs as a result. The name she is referred to by the narrator and by the other characters in the novel could be seen as indication of womens inferior hearty status in 1930s America.Although in a allowter to an actress playing Curlers wife in a stage version of Of Mice and Men, Steinbeck insists he is sympathetic to the only female character, as readers, we have to work hard to feel sympathy towards her. Through the use of the other characters suasions, the reader is given a biased view of Curlers wife before even meeting her. F or example, Candy, who is portrayed as a trustworthy, likeable character, tells George that Curleys wife gives lithesome the eye, meaning that she flirts with him, and apparently all the other men on the ranch.He finishes his piece of gossip by reason that she is a tart. This view is echoed by other men on the ranch later in the novel, and George besides decides after their initial brief meeting that Curlers wife is indeed a tramp, poison, Jailbait and a rat trap. all(a) of the mens insults suggest that Curleys wife is sexually available to any iodine. T present is a sense of hypocrisy here given that almost all of the men, including Curley, frequent Susys place, the local brothel or cat syndicate.When Curlers wife first appears in the novel, supposedly looking for Curley (as she always is) in the bunkhouse, the description of her appearance may seem to support Candys opinion of her. Her heavy make-up (full, rouged lips fingernails were red), her overly coiffured hair-style which is mentioned every time she appears in the novel, and her choice of clothes and lieu red mules, on the insteps of which were little bouquets of red ostrich feathers) is not only incongruous with the ranch lifestyle, scarcely also could be seen as an attempt to appear seductive.Her body language leaned back against the door effect so that ner body was thrown torward could ce rtainly suggest that sne is physically ottering herself to the men, and her manner of speaking playfully- could be taken as flirtatious. However, it is significant that when she is first introduced, she is referred to as a girl which suggests that she is young and naive. Indeed, it is implied in the ovel that she is very young. Whit refers to her as the new kid (although subsequently calls her a 100100) and she herself retorts Whatta ya think I am, a kid?In addition, when she tells her story to Lennie, she refers to a recent incident which happened when she was fifteen. The other interesting aspect of he r first appearance is that the men are alerted to her movement because the rectangle of sunshine in the doorway was cut off. Again, later on, in the barn, Steinbeck uses gently in the description of Curleys wifes dead(p) body. The contrast is that in the first expression she locks off natural light and in the final scene, the light was growing soft casting an almost romantic atmosphere in the barn where Curlers wife lies, seemingly at rest.The randomness point here, is that Curleys wife is always appearing at doorways of the bunkhouse or in Crooks room, but never managing to enter. This may be a metaphor for the fact that she is always an outsider. The only time she enters a male space and seems to make contact is Just before her finale. After our first meeting with Curleys wife, it would be clean to agree with the mens discriminatory view towards her. Steinbeck ontinues to make it difficult for the reader to sympathise with her in her second scene when she appears at the doorway of Crooks quarters.Her mannerism may be seen to be somewhat unpleasant and aggressive, They left all the weak ones here An what am I doin here talking to a bunch of bindle stiffs a nigga an a dum-dum and a lousy 01 sheep an likin it because they aint nobody else. However, if we look at her actions, all the time, the only thing she is pursuit is human contact. She is extremely lonely and isolated, as she tries to explain to the men Think I dont like to alk to person ever once in a while? Think I like to stick in that house alla time?Several times she indicates that her marriage is not happy, that Curley is self- obsessed and that he is boastful and violent. Between the lines, Steinbeck is characterization a sad, isolated character who is doomed to be unsuccessful when she reaches out to other human beings because of her plaza on the ranch. In this scene, we also see what might be expound as an extremely compressed side to Curlers wife. When the conversation does not go her way Candy openly insults her she turns on Crooks, using her one element of power as a fresh woman over a black man Well, you keep your place then, Nigger.I could get you strung up on a tree so soft it aint even funny. Although this threat is abhorrent, perhaps it indicates the level of her frustration with her own position. She is at the bottom of the hierarchy of white people, and her only form of control could be to accuse Crooks of some sort of inappropriate behaviour that would speck to his being put to death. The final time we see Curleys wife is the only time she seems to open up and reveal her vulnerability nd her disappointment with the way her life has turned out. Ironically, even as she is confessing all, l aint told this to nobody before.Maybe I oughtnt to, her audience, Lennie, is not listening because he is caught up in his own fantasy world. Therefore, although this scene serves to show the poignancy of Curlers wifes character, it also underlines that at no time in the novel does she succeed in making any human contact. When we learn that her words tumbled out in a passion of communication, as though sne hurried betore ner listener could be taken away, it is as though sne as had her story, her identity, bottled up privileged her and she is desperate to share her hopes, dreams and disappointments with anyone who might listen.Her background reveals a sad and lonely childhood full of mistrust. We learn that she has a poor relationship with her mother and that she has enjoyed male attention which has probably been superficial and has led to her believe that she could have had a career in the movies. Curleys wifes naivety is emphasised by the way that she behaves around Lennie. She flits amidst thinking he is nuts and encouraging physical contact. She believes that e is Jus like a big baby, and although she is aware that he had crushed Curlers hand, shows no caution around him when she domiciliates for him to stroke her hair.This may be because she is so over-excited by the fact that she believes that she has somebodys attention possibly for the first time since arriving on the ranch that she does not think beyond the moment. The reader knows that Curlers wife is doomed the minute she says that she likes to stroke her hair because it is soft. There is a poignant irony that it is her offer to Lennie that leads to her death. She is enjoying the attention and perhaps is also lightly motivated by a moment of kindness to let Lennie enjoy the feel of her hair.Ultimately, though, it is her concern with her appearance Youll muss it up. You stop it now, youll mess it up that makes Lennie inadvertently break her neck in a panicked effort to keep her quiet. The image Steinbeck uses to describe the moment of her death dehumanises Curlers wife her body flopped like a fish. It is in the final description of her that it seems that we are offered a legitimate account of Curleys wifes true essence And the meanness and the plann ings and the discontent and the ache or attention were all bygone from her face.She was very pretty and simple and her face was sweet and young. This short passage shows that underneath her hardened exterior she was in essence a decent person, which is what Steinbeck refers to in his letter to the actress. The ache for attention had had the opposite of its desired effect, in fact pushing people away rather than attracting them to her. Furthermore, her dream to be a movie adept or iconic figure is echoed in the almost Sleeping Beauty-like description of her Now her rouged cheeks and reddish lips made her seem alive nd sleeping very lightly.The only time Curleys wife is described in a positive manner is in her death, and even this is quickly negated by Candy placing plunk on her for ruining their dream You God damn tramp. Everbody knowed youd mess things up You lousy tart. In conclusion, Steinbeck uses a number of techniques to create Curlers wife. Some readers may feel sympathy for her, others may share the ranch workers view of her. For my part, I see her as the epitome of loneliness her only defence against a sexist environment ironically leads to her further alienation.

Compensation trends in the United States Essay

The current trend of globalization, technical revolution and competition, has had dynamic impact on the compensation trends worldwide, as well as within United States. The whole ladder of compensation from agriculture to Information engine room has seen an upsurge in compensation. The economic conditions, the political support and the globalization have played an important procedure in setting the curve for this trend. There is greater awareness, increased skill, enhanced efficiency and wider range of choices.The merciful resource has become a more valued, competitive and specialized force implying the future of thriftiness and industry. They have the bargaining power, and capacity to mould the pattern of egression in every arena of service, research, education, health and industry. The RAND Corporation, in a report prepared at the request of the U. S. Department of Labor, says three trends go forth mould the labor force and employment relationships in the coming years a slow ing in the growth rate of the workforce, an acceleration in technological advances, and continued globalization. (RAND, 2004) The Emerging Trends in Human Resources looks into many another(prenominal) trends which would impress the future compensation package for people in United States. He categorizes them in workplace trends which would affect the employers and employees with better technology, higher health insurance, outsourcing, aging and other factors. Demographic factors like growth, retirement and aging. The organizations will pack to respond with more strategy to retain and recruit new employees as well as see and upscale them.The political emphasis on economy, growth and outsourcing will guide the future trend dramatically. The trends of the guild will dictate the nature of the work force and the balance of the compensation. International trends like expansion of businesses globally, countermand of Asian market and emerging off shoring giants like India, china, Phili ppines and others add more to the competitive edge. (Greene, 2006-2007) closely companies have turned to total rewards and pay-for-performance programs as a vehicle for maximizing return on coronation and employee potential.Variable pay is now a major part of compensation design for nearly 80% of U. S. companies, according to our Salary Increase Survey. Having the best people is more important than ever, especially in a business environment focused on value creation. In fact, many experts believe that attracting, motivating, and retaining the best talents is one of the greatest obstacles to growth over the next decade. Smart companies are finding ways to learn the most from their investment in compensation and rewards without sacrificing the ability to compete for talent.(Hewitt, 2007) According to the report, titled, The 21st Century at Work Forces Shaping the Future Workforce and Workplace in the United States. (RAND,2004) These trends have important implications for springy aspects of the future workplace and workforce and for the U. S. economy. These trends will affect the size, makeup, and skills of the labor force, the kinds of work and its settings, and worker compensation. Understanding these trends will help workers, employers, educators and policymakers make informed decisions that reflect changing realities.(RAND,2004) There is tremendous promise in the skip over of competitive compensation package in most fields with better opportunities for growth in Unites States. The motive for skilled human resource will pave the way for next decade in business, healthcare, services, engineering, IT, and many other fields. This is the period of strategic planning, wide range compensation and timely rewards.Work Cited(2-23-2004). RAND Report Predicts Trends in Labor Force. Retrieved February 23, 2007, from BLR Compensation BLR. com Web site compensation. blr.com/display. cfm/id/153659 Greene, Keith J. (2006-2007). HR SPHR. Retrieved February 23, 2007, fr om SHRM Web site www. fmi. org/humanresources/Emerging_Trends_Presentation. pdf Rothberg, Deborah (29-AUG-2006). Study Skills Shortage Boosts Salaries. Retrieved February 23, 2007, from e WEEK Careers Web site www. careers. eweek. com/article/Study+Skills+Shortage+Boosts+Salaries/18739 _1. aspx (2007 ). Compensation & Rewards. Retrieved February 23, 2007, from Hewitt Web site www. hewittassociates. com/Intl/NA/en US/OurServices/ServiceHRC. aspx? cid=2402

Disadvantages of a Limited Company Essay

Cost Some people will puddle you conceptualise that a Limited caller is expensive to set-up. Not so Our troupe Formation packages start from as little as FREE And include many related services and products that would cost you highly elsewhere. tortuous Accounts There are more complex and restrictive rules governing the accounts and bookkeeping of Limited Companies than sole traders (for example). The Company is expected to produce years accounts incorporating a double entry format, balance sheets and other notes. With the (generally) larger reputation of a Limited Companies business this can be a time consuming and costly undertaking. The Company Warehouses accountancy service is custom made to ease the burden on Limited Companies. Our low-cost, competitively priced service will take hold of the accounting reigns and allow you to remain free to concentrate on the foot race of the business.Restricted Capital Raising For Private Limited Companies, there is a restriction on th e rearing of capital via sale of shares. As mentioned, PLCs can gain further funding by the sale of shares, that this ability is lost to Private Limited Companies whose shares are restricted.Dilution of Powers Due to the nature of Public Limited Companies, sometimes disputes will arise between Directors and Shareholders as their ideas of what is best for the company vary. Sale of shares to increase company funds will further dilute the management, as more and more people have a give voice in how the company is run. There is also a risk (since Companies can buy shares) that a coup might occur this way.As you can easily see, the advantages of a Limited Company, far outweigh the disadvantages. So if you are looking to set-up a company, why not let www.TheCompanyWarehouse.co.uk help you? Our expert team have been helping entrepreneurs from all over the Country form successful businesses for years. Our Company Formation Services are the lowest priced around and as you can see from the table below we provide a wealthiness of extras included to help you on your way to success.

Black House For David Gernert and Ralph Vicinanza

You take me to a order I never go, You send me kisses made of gold, I ll place a crown upon your curls, All address the Queen of the World -The Jayhawks.Right Here and Now . . ..RIGHT HERE AND NOW,as an old friend used to say,we be in the fluid present,where clear-sightedness never guarantees perfect vision. Hereabout two hundred feet,the height of a gliding eagle,above Wisconsins far western edge,where the vagaries of the Mississippi River declare a natural border.Nowan early Friday morning in mid-July a few years into both a new century and a new millennium,their way-ward courses so hidden that a blind man has a better chance of seeing what lies ahead than you or I.Right here and now,the hour is just past six a.m., and the sun stands low in the cloudless eastern sky,a fat,confi-dent yellow-white ball advancing as ever for the first time toward the fu-ture and leaving in its wake the steadily accumulating past,which darkens as it recedes,making blind men of us all. Below,the e arly sun touches the river s wide,soft ripples with molten highlights.Sunlight glints from the tracks of the Burlington Northern Santa Fe Railroad running between the riverbank and the backs of the shabby two-story houses along County Road Oo,known as Nailhouse Row,the lowest acid of the comfortable-looking little town extending uphill and eastward beneath us.At this moment in the Coulee Country, life seems to be memory its breath.The motionless air around us carries such remarkable purity and sweetness that you might create mentally a man could smell a radish pulled out of the ground a mile away.

Gautama Buddha Essay

The celebration of Wesak which is the annual ritual celebrating the Buddhas birth, enlightenment and death (parinirvana), provides an prospect for adherents to reflect on the Buddhas deportment and teaching. The Wesak festival is extremely important to the Buddhist adherent and the Buddhist community. The Wesak festival or Buddhas Day celebrates the birth mean solar day of Prince Siddhartha Gautama, who was to be hap Buddha, the founder of Buddhism. The Wesak festival is a date for devotion and remembering the important aspects of the teachings of Buddhism.Wesak is a holy day for Buddhists in many countries such as Tibet, Cambodia, Malaysia Sri Lanka, Bangladesh, India, Thailand, Indonesia, Philippines and Bhutan. Wesak, Buddha day or Buddhas birthday is the most sacred holy day for those apart of Theravada Buddhism and besides important for the insight meditation movement. Wesak is the celebration of the three days significant to the Buddhas life sentence initial was his birth , the second his enlightenment (nirvana) and the third his death (Parinirvana).The date of Wesak varies and is very important and significant as it relies on the lunar calendar, it is usually falls on a full synodic month of the 5th or sixth lunar month. Wesak on the Gregorian calendar usually falls in April or May. Prince Siddhartha was born on the 8th day of the fourth lunar month or on the day of the full moon in 623 B. C. in Lumbini, Rupandehi District, West Terai, Nepal. Wesak celebrates the Three Jewels. Wesak is important to the adherents to reflect on Buddhas life and teachings as is acknowledging the ongoing lifetime religious tradition that remains strongly for followers.The main objective of Buddhism is to one day reach enlightenment and this is ex shamly what Wesak celebrates and reinforces the ultimate goal of Buddhism that Buddha was a human who became enlightened. This is important as it reinstates the concomitant that it is possible for humans to reach enlightenme nt. To reach closer to Nirvana and the chance of a better life in the cycle of samara you must perform good acts to receive good karma, through the act of washing and cleaning the hands of Buddhists and monks this symbolises the karma of certain actions.The festival of Wesak, with its emphasis on accepting the responsibilities of the ethical life, is in any case a celebration of the human spirit. An important part of Wesak to the adherents is Sangha. And a part of this acknowledgement of the Sangha is listening to the apprehension and the teaching of the Dharma from the members of their community. As karma is a central belief of Buddhism there is a strong will for adherents ar to donate and show generosity to the less fortunate at this time. First of all, Buddhism is neither pessimistic nor optimistic. If anything at all, it is realistic, for it takes a realistic view of life and the world.It looks at things objectively (yathabhutam). It does not falsely lull you into living in a fools paradise, nor does it frighten and agonize you with all kinds of imaginary fears and sins. The middle route what Buddha had preached is important to Wesak as it gives the adherents a time to reflect on his preachings of in a world full of suffering there is place for celebration. On the day of Wesak devout Buddhists are to come together in temples before dawn before they have ceremonial hoisting of the Buddhist Flag and do their mantras in praise of the three jewels Dharma, Sangha, Buddha.Those who attend the festivals may bring flowers and candles as offerings to lay at the feet of their teachers. The symbolic representation of these offerings are that beautiful flowers eventually wither away, and candles once bright burn out, such as what life it is subject to. The adherents that attend receive good karma for themselves and for their communities. Although there is some parts of Wesak that involve acknowledging then destroying the injure doings and bad karma of the prev ious year the Wesak festival is a time of celebrations and coming together. The community snap games, listen to music, attend drama performances.Decorations are put up around houses and villages and their neighbours are encouraged to adjunction in on the festivities. An important ritual that happens during the Wesak festival is the bathing of the Buddha. The bathing of the Buddha in fragrant peeing has been important since the legend of the Buddhas birth has been told. It is a symbol of inner purification, the ritual is said to financial aid get rid of sins. This ritual highlights the universal message that it is simple to wash away physical horseshit but it is much more difficult to cleanse ones inner dirt of greed, petulance and ignorance.

Curriculum Mapping Essay Example | Topics and Well Written Essays - 250 words

Curriculum Mapping - Essay typeThe curriculum mapping helps in improving communication within parents and communities about curriculum and all that both teacher covers. When choosing a lesson topic, one can use the curriculum map by collecting randomness on what the topic is all about, then going through the information, and then mixing the group reviews aft(prenominal) which the teacher determines on the points that can be revised immediately (Hale, 2008).Modification and extensions provide assimilators with avenues of acquiring the contents, which has a sense of ideas, and developing the teaching materials in order for the students. Different learning styles and abilities may also acknowledge how students show how they have mastery of concepts. The key to differentia is finding how students can display their learning to meet the undeniable specific needs (Kallick, 2009).Curriculum mapping improves the instruction by laying clear objectives of what are taught to crush out un necessary repetitions. It is also allows the objectives to be met in snip as well as reflects on the students scores in class. Therefore, teachers should always carry out curriculum mapping to make time easy for them as well as making students to grasps things

Exploring the Practices of Masculinities in School Assignment

Exploring the Practices of Masculinities in School - Assignment ExampleThe author of the article has the viewpoint that the literacy strategies presented to teachers in recent support literature does not support the event because they are restraining and restrictive. He claims that there is serious a little effort towards developing a connection between gender and masculinity. He just argues that current strategies aimed towards building up the levels of boys literacy achievement do not move with the preparehouse board constitution of acknowledging a various range of youth identities. The reason is that when more efforts depart be driven towards including all youth identities in the scope of safe school policy, the focus on improving the literacy levels of boys will be overshadowed which will result in making the literacy level targeted policies useless for boys. The invite is to bring alignment in the safe school policy and initiatives towards literacy achievement levels in order to provide a better purlieu for boys which they can utilize to improve their academic level while preserving masculinity. The author has begun the article by outlining the need or developing some quick fix strategies aimed towards increasing the learning potential of boys in such a way that they do not go parallel with the efforts towards providing a safe and secure school environment for multiple identities. In the second section of the article, the author has described and analyzed the efforts of Ontario Ministry of precept towards the cause of improving boys literacy level. The author has found that current initiatives are not able to accomplish the goal because they do not beget the potential to prove their unique identity in front of the safe school policy which brings in together a different range of identities under one umbrella. According to the author, the paradox is not here in this area. Rather the real problem lies in the fact when gay, lesbian, and other ide ntities will be promoted in schools, the masculinity level of boys will be affected, as the behaviors and attitudes of all identities will immingle with one another resulting in decreasing the demonstration of masculinity among boys. The author has finally suggested that Ontario curricular activities should be redesigned so that they become closely aligned with the safe school policies in order to help teachers, as well as administrators to work together towards the aim of increasing boys literacy achievement level while providing a safe learning environment for all youth identities. Critique of the Article This article by Michael Kehler discusses the efforts of The Ontario Ministry of Education to improve the literacy achievement rate of boys while acknowledging the efforts towards making safe school policy for a diverse range of youth identities, which include gays, lesbians, bisexuals, and others. I think the author has picked a good topic to keep upon because it has become a n eed of like a shot to save the masculinity of boys in a sexually diverse society. In todays world, when sexual orientations are changing rapidly both for boys and girls, the need of today is to take steps towards saving the masculinity of boys so that the sexual orientation balance remains intact. Boys have to play hard

Demand and Supply in Organization Success Research Paper - 14

Demand and Supply in Organization Success - Research Paper modelThus by understanding the consumer demands, the organization toilette identify their desires and will only stock the commodities that earmark utility to the users. Hence, the organization will have a wider knowledge of what the demands argon relative to what the supplier can offer at a particular market rate (Bustinza, Parry, & Vendrell-Herrero, 2013). Thus, prices and availability of goods and services are shape to the consumer. This ensures that customers do not miss out on their wants whenever they come to purchase a particular commodity. Thus, go for and loyalty are built between the two parties that will result in more gross sales hence increased profits to the firm. Rain checks are forms of compensations that are usually offered to consumers when the goods and services they had ordered are unavailable majorly due to the organization being out of stock or late deliveries. Customers are thereof promised the as sistance to acquire the products at prices indicated earlier and did not have to spend more regardless of whatever economic crisis like inflation. Customers are thus assured to get their services or be stipendiary and will not encounter any losses that create a mutual trust for some(prenominal) parties. However, to say this is a fair treatment of consumers is understatement due to economic injustice it creates to the consumers. Individuals usually derive their rejoicing at a particular time and have more tastes to it is provided during that period rather than a afterward date. Thus, postponement of the consummation of a particular good or service may lower the gaiety of products to customers and reducing their utility.

Anthropogenic Impact on Mangrove Ecosystems Term Paper

Anthropogenic Impact on manhoodgrove Ecosystems - Term Paper ExampleDiscussion mangroves ecosystems are established on the terrestrial marine boundary on sheltered tropical coasts and are vulnerable to both natural and anthropogenic disturbances (Ghosh, 47). Man has lived with the mangroves for a long time and having little contact and exploiting its resources in small scale. However, recent unsustainable use and exploitation of mangrove ecosystems has contributed to extinction and loss of these vital ecosystems. Moreover, direct as well as indirect anthropogenic influences play a major role in determining mangrove composition and extent of reportage globally. Mangroves are salt tolerant tree species and examples include Rhizophora mangle, Avicennia germinans, Laguncularia racemosa, Conocarpus erectus among others (Guo, 401). Mangrove ecosystems form habitant for various biodiversity especially invertebrate fauna such(prenominal) as penaeid shrimps, spiny lobster and over cc speci es of fish threatened globally. Human activities cause disturbance of the mangroves. Such activities include 1 Overexploitation or unsustainable lineage of the mangrove tress and fauna Man continues to harvest mangrove trees for fuel wood, poles, charcoal, and timber for social structure purposes. Moreover, mangrove bark is used for commercial production of tannin (Alfaro, 1087). However, small scale and selective root of mangrove pose a little challenge on the entire ecosystem, but leads to death of soulfulness trees. Despite being small scale, clear cutting of mangroves contributes to rapid concentration of sulfide in the land as well as soil acidification. This negatively affects seed regeneration on cleared lands and thusly the reason for declining mangrove yields. Man has harvested mangrove fisheries for several years. Some of the fish products extracted include finfish, mangrove oysters, and shellfish. However, beginning of such resources in large numbers for commercial purposes has disrupted mangrove food webs and food fetter (Jess et al, 414). Consequently, large-scale extraction of mangrove trees for extraction of wood products or mangrove land reclamation causes a reduction in fish yields since breeding grounds and fish nurseries get destroyed in the extraction process. In addition, man has introduced some species in mangrove ecosystems for instance, the introduction of Tilapia mossambica (Ellison, 219). The introduced species pose stiff contention for available resources in case the species naturalize and lack natural enemies or diseases that check on their population. Moreover, such species may feed on the native species thus lead to displacement and extinction of the endemic species. 2 Pollution of the mangrove ecosystem Human activities near water bodies lead to pollution of the mangrove ecosystem. For instance, oil exploration, drilling, production, back breaker through oil pipelines, tanker accidents, as well as international eliminatio n of ships ballasts tankers lead to oil pollution of the mangroves. The oil released into the mangrove ecosystem accumulates in the mangrove roots and thus leading to death of several invertebrates, turtles, and fish (Benson & Joseph, 238). The presence of oil in a mangrove ecosystem results in invariable release of toxic hydrocarbon materials into the water system, thus leading to water poisoning. The

The role group membership theories play in subprime home mortgage Essay

The reference assembly membership theories routine in subprime home mortgage add - Essay Examplethere is no evidence argue this position of Predatory Lending however, it is the intent of this paper to supply an additional theory to the prevalence of subprime lending to measlyer income families. I postulate that the prevalence of this type of lending is, in part, due to the effects of group memberships.Numerous studies have been conducted over the past decade concerning the prevalence of subprime lending for low income families. The studies have shown that low income families have a higher rate of subprime loans when compared to their middle and upper class counterparts, and that payment history makes teeny-weeny difference. According to the US Department of Housing and Urban Development (2000) Unequal Burden Income and Racial Disparities in Subprime Lending in America, Subprime loans are three times more likely to be found among low-income neighborhoods than in high-income nei ghborhoods - In low-income neighborhoods, subprime loans accounted for 26 percent of total loans in 1998 compared with only 11 percent in moderate-income neighborhoods and vindicatory 7 percent in upper-income neighborhoods (p. 2). In addition, Association of Community Organizations Organized for Reform Now (ACORN), released a study (1999) Financial Apartheid in Mortgage Interest Rates which stated that high cost mortgage financing was disproportionately more prevalent in spurn income borrowers whether it was for home purchase or the refinancing of an vivacious home. The previous statements are what this paper is set to examine from the perspective that group membership plays an integral role in the presence of subprime home mortgage lending to lower income families.The following pages provide a complete description of the subprime home mortgage lending market, the refinancing practices of lenders and a description of what is known as Predatory Lending. later that I will lay o ut group membership theories and describe the attributes of the target group lower income