The Financial Crisis Of The Usa - 10326 Words

1. Introduction In 2007-2008, most firms and individuals experienced a worst financial crisis in the recent 80 years. The crisis first started at the USA then extended to the whole world and it spreads from the financial markets to the real economy rapidly. During this financial disaster, Unfortunately, some financial institutions such as Lehman Brothers, WorldCom and General Motors did not overcome the negative impacts unfortunately, covering almost all major industrials who have a significant effect to the global financial markets. The main source of the crisis is precisely from investment banks, who lent money to individuals according to the value of collateral like investment properties. However, with the movements of market price,†¦show more content†¦Most principal aspects of counter-party credit risk such as risk classifications, risk measurements will be discussed in the following chapters. Since financial risk management is playing an indispensable role in recent years, how to bala nce between the expected loss and potential return is a commonly concerned topic in financial institutions. Meanwhile, some portfolio models, related simulation methods as well as the methodology of coding EE, PFE, CVA and RC will be introduced later. 2. Counter-party credit risk This type of risk is known as default risk between two or more counter-parties. Though it is one risk type and it may occur together with other dangers such as market risk, liquidity risk and liquidation risk. It can be seen that each one type of these risks may change the positions of counter-parties, which will give rise to the result that a firm or individual cannot afford the contractual debt. Recently, counter-party credit risk is regarded as one main financial risk due to a sequence of the failures of some global firms in 2007-2008 such as Lehman Brothers, Washington Mutual and Enron. In general, the size and the scale of counter-party can be considered as a protective barrier of credit risk, but these cases above contradict the point of view. 2.1 Introduction of counter-party credit risk 2.1.1 Origins of counter-party credit risk All companies will generate great exposure to banksShow MoreRelatedThe Global Financial Crisis Of The Usa1383 Words   |  6 PagesThe recent global financial turmoil started on July 2007 ,mainly in the USA and spread among developed nations in the later part of 2008 and subsequently shifted to the developing nations .this crisis consisted of some prime drawbacks not only for the developed countries but also for developing countries .the most talked about issue in the recent financial arena in the global financial crisis ,which started to show its effect in the middle of the year 2007.the turmoil ,however ,was rooted in theRead MoreFinancial Crisis And Its Effects On Businesses, Governments, And Consumers978 Words   |  4 PagesThe worldwide impact of the recent financial crisis outlines the importance of having a decent understanding of crises. 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Affirmative Action How It Impacted The American Society...

Abstract There are many supporters and opponents of Affirmative Action. The focus of Affirmative action is meant to be an attempt at equality throughout society. Every sector in America would be equal and unprejudiced. On the other hand, adopting affirmative action would force many employers to replace hard-working employees with those possibly less qualified simply due to their gender or ethnicity. Throughout history, people have been categorized into different groups. These groupings were based on certain characteristics people shared, whether it was their ethnicity, race, gender, or religion. Society is notorious for distinguishing among different groups and favoring one or two of them. Undoubtedly, this separation of peoples, led to increased tension between various groups. As time progressed, the conflicts intensified, and it became apparent that a change was necessary. So I intend to educate the reader on the origin of Affirmative Action; how it impacted the American society; is it stil l needed in today’s environment; what are some of the drawbacks or issues that came from implementing Affirmative Action, and finally what is the most beneficial aspect from Affirmative Action. One of the most famous quotes about Affirmative Action comes from President Lyndon Johnson who explained the rationale behind the use of affirmative action to achieve equal opportunity in a 1965 speech: â€Å"You do not take a person, who for years, has been hobbled by chains and liberate him, bringShow MoreRelated We Need Affirmative Action Essay1035 Words   |  5 Pages PRO-AFFIRMATIVE ACTION nbsp;nbsp;nbsp;nbsp;nbsp;What is it? Well affirmative action is, in plain text, the consideration of your class, race, gender, color, ethnicity, national origin, and disability when deciding who gets a certain job or admission into a school. If you are amenity applying for a job and there are other people that are applying as well then you will be considered for the job over one of the other people, even if they have more experience. It is not only for jobs, it is alsoRead MoreEssay on Pro-Affirmative Action1059 Words   |  5 PagesPRO-AFFIRMATIVE ACTION What is it? Well affirmative action is, in plain text, the consideration of your class, race, gender, color, ethnicity, national origin, and disability when deciding who gets a certain job or admission into a school. If you are amenity applying for a job and there are other people that are applying as well then you will be considered for the job over one of the other people, even if they have more experience. It is not only for jobs, it is also used in any situationRead MoreAffirmative Action Necessary or Unnecessary? Essay1000 Words   |  4 PagesAffirmative Action was centered around 1961 because women and minorities were being discriminated against. By definition, affirmative action is â€Å"the encouragement of increased representation of women and minority-group members, especially in employment† (Dictionary.com). The main controversy of affirmative action is whether or not it is still necessary, and if it should be abolished all together. It was originally inten ded to benefit cultural groups that were thought to suffer from discriminationRead MoreThe Culture Of The Western Culture Essay1368 Words   |  6 Pagesbeliefs of a person compromising on their identity. The influence of the western culture (American) has been spreading at a fast rate especially to the ‘colored’ citizens of the country replacing their traditions with those of the whites. Most of the people especially those who move to foreign countries in such of greener pastures are forced to surrender or forsake their cultures to fit into the new society. While studies have indicated potential cultural extinction and loss of identity through assimilationRead MoreThe History Of Affirmative Action Essay1995 Words   |  8 PagesThe History of Affirmative Action Abstract There are many supporters and opponents of Affirmative Action. The focus of Affirmative action is meant to be an attempt at equality throughout society. Every sector in America would be equal and unprejudiced. On the other hand, adopting affirmative action would force many employers to replace hard-working employees with those possibly less qualified simply due to their gender or ethnicity. Throughout history, people have been categorized into differentRead MoreThe Death of Equal Opportunity in Michigan3739 Words   |  15 Pages | | | | I. Nature Background A. Introduction When discussing the issue of affirmative action policy, it is not difficult to find both individuals and groups, including the media, who take an interest. 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It was put into place by the federal government in the 1960’s and was initially developed to close the gap in relation to the privileged majority and the unprivileged minority in America (Aguirre Jr. Martinez, 2003). While it has been controversial since its origin, it remains controversial as critics argue it tries to equalize the impact of so many years of discrimination (Aguirre Jr. Martinez, 2003). The argument of the Supreme Court when affirmative action was implementedRead More Universities Must Continue with the Race-sensitive Admissions Process3209 Words   |  13 Pagessupport the University of California’s move to reinstate affirmative action in its admissions policies. This reinstatement has visible student support as seen in the March 15, 2001 rallies at the UC Regent’s meeting in which over 1,000 supporters of affirmative action came out to voice their opinion. 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Being Physical and Keeping Myself Healthy Essay Example For Students

Being Physical and Keeping Myself Healthy Essay As I think about on where Ive been and where I am in my short life, Im only nineteen , I find that my main focus has been to take care of myself physically. I find it hard to believe that I actually competed in a physic building competition, especially a coed one. Out on a stage with a couple dozen chiseled chested men in board shorts, and sculpted bikini clad women. All essentially strangers to me. There I was taking a step here, a twist there, flexing my abs and biceps. Doing this somewhat strange dance of vanity with a smile on my face and eye contact with the 10 peeping eyes of the judges peering up at me. I think the reason I got into a physique competition was because of bodily injuries playing contact sports It was about 3 years ago, during my high school days that I woke up with a startle, as a bathroom door that was pulled closed to hard. As I peered around my darkened room, I was unsure of exactly where I was. Then I heard my Mom yelling, get up Mitchell, you have a wrestling match this morning! I sighed, rolled deep under my blankets into a cocoon of warmth, and remembered the cold rough surface of the wrestling match that I hoped to avoid having the back of my shoulders come into contact with. Being a wrestler wasnt a dream for me, but a way to keep fit in the off-football season, so out of my cocoon I flew on my way to the shower. After a guilt free breakfast since I had my weigh -in the night before, we hit the road. We pulled into the parking lot of Nebraska City High School, the morning snow crunching beneath the buss’s tires as we came to a stop. We piled out of the car, carrying armfuls of the necessary items to bring inside a gym for most of the day. Things like food, beverages, reading material and of course phone chargers. My parents wished me luck and I marched my way through the echoing chamber of the gym. The announcer sounding like a McDonalds drive-thru order taker,where you only understand about half of what was said. My team claimed an area on the bleachers and then we hit the mats to warm-up, I soon began stretching myself into a pretzel. Amongst the organized madness of coaches yelling, whistles blowing and people flailing about in every which direction, my teammates and I figured out our matches. Soon after the announcer calls out â€Å"weight class 132 Mitchell, mat 4†. I shake my opponents hand and the referee blew the whistle, it was on then. As I am accessing my opponent he quickly moved in on me, taking the first shot. I sprawled. I cross faced him delivering pain and also a message to not shoot on me. After I broke him down, I worked a cradle on him to put him into a pinning position. I held it as tightly as I could, and shortly after, the referee’s hands slapped the mat to signal that the match was over. I went back and shook hands with him again. It was an awesome feeling to win my first match of the day in less than a minute. I hear applause and loud screeching screams from friends and family I decided that I really liked wrestling and would work on excelling in it. I was pumped up for my remaining match’s. The following two took a much greater effort, but I was able to win those matches as well. After those victories I was moving on to compete for the first place medal. I was mentally psyched and feeling pretty macho. Again, my name was called out, with seemingly more emphasis by the announcer. Quickly moving into position I felt like a predator readying myself for an easy meal as I sized up my prey. The whistle shrilled and off we went. Circling each other, looking for an opening I faked a move to the left and quickly pounced on his right leg. Pulling him out and down from behind his knee I landed on top of him and worked my arms into position to pull his legs up with his back and shoulders going against the stale smelling mat. My hand slipped off him and suddenly he arched up, freed himself and spun to his left while getting back to his feet. I sprang back up and we were once again facing each other. How quickly my ego shrunk away from me as we once again circled each other. He leapt at me pulling my right arm down and quickly came behind, encircling both arms to slam me down. I pushed down on his hands breaking free of his grasp. As I was striding forward his arms slid down my thigh and he grabbed hold of my knee, twisting my leg to pull me down. At that moment I felt a wrenching pain and heard a popping type sound and in a split second I was down. With my role suddenly reversed as the injured prey, I struggled physically and emotionally to this sad turn of events. Within seconds I was pinned. Feeling utterly useless I was able to limp off the mat, hoping that I would be okay. The enthusiasm I had earlier for wrestling no turned into contempt. Although able to walk, it was very uncomfortable despite the ice pack the athletic trainer. Hobbling over to gather my gym bag I was greeted by my folks and their somber looks. The â€Å"you did great Mitch† and â€Å"don’t worry everything will be okay† did nothing to lift my spirits, I just wanted to get home, take a shower and crawl back into my cocoon, wishing I had never gotten out of it this morning. On waking Monday morning, my left knee was killing me. Unable to extend my knee as it was locked in place I told my Mom it was more than a bad sprain. Fortunately, she is a registered nurse, so after a phone call we pulled on our coats and off we went for what I thought was to be an x-ray. Manatees EssayI played through the rest of the scrimmage, but I can not remember anything after that hit i had took. The next thing I knew I was lying flat on my living room floor not recalling even coming home. At this point my head is in agonizing pain, I think it is going to explode there is so much pressure. My mother helps me up as I am screaming in pain. She rushes me to the emergency and they suspect a concussion. In addition to the examination and my history of previous concussion I am given a cat scan. Luckily it comes back normal. The doctor advises me to have a concussion examination to compare to my baseline. On Monday morning I have one taken with my primary doctor and fail it big time. I make an executive decision and decide to quit football. I realize football is just temporary and I know the lifelong repercussions that concussions cause for your brain. â€Å"That’s a good choice young man† says the doctor. â€Å"Yeah† I reply, â€Å"I should have done it sooner†. As we head to the car, the disappointment I feel in myself is almost painful. The self pity is frustrating. The next day as I walk past teammates and others with my helmet and pads, all eyes are on me as I head into the coaches office. I told him about the hard hit and my visit to the ER and hand him a note from the doctor. He tells me I should have gone to the trainer first. â€Å"Coach† I say, â€Å"I am going to have to quit, the risk does not meet the reward anymore. He understands and shakes my hand. Coach lets me know that I am still part of the team and wants me to come to the sidelines every game, I pass it down. I hold my jersey close to me one last time and then hand it in, football is now just another part of my past. The first 3 weeks of school was tough, especially not going to football practice. Football had been a part of me since starting with flag football at the YMCA in grade school. More than just playing the game, I also enjoyed the conditioning and keeping fit aspect of it. While my former teammates hit the school weight room each morning I decided to workout at my gym each day. Since my football days were behind me, it was time to move on. With the injuries I sustained during wrestling and football, I decided to focus just on my personal training efforts. I really enjoyed weightlifting and had developed good technique through the years by trying to develop myself as a better athlete physically. An obvious benefit in addition to increasing physical strength is the development of the physique. It requires a lifestyle change in and out of the gym to meet one’s physique improvement goals. The sport of bodybuilding requires a very strong discipline of body and mind. Many people, especially other athletes don’t think that it should be considered a sport. However, professionals have shown that the training required to develop muscle with exercise, weights and diet requires as much and often more effort than those in traditional sports. I personally began training for my personal beliefs in health and fitness and never considered entering a competition until I met a competitor at my gym. His name was Mike Johnson son, a natural bodybuilder and host of pro qualifying competitions. Mike informed me of a show he was hosting and then got to talking all about natural bodybuilding. He told me it would be a journey and if i really wanted to do something like this I would have to stay dedicated and focused. After a few days of thinking about it I met Mike back at the gym and told him it is something new that I would like to try. There I took my first step into a new journey, and my life would forever change, and probably for the better. Sports is an important aspect of life, it teaches you camaraderie, how to get along with others, perseverance, leadership and responsibility. The reasons someone chooses a particular sport to play can be varied, but typically comes with what your friends are doing, and then on your ability. When I first signed up for wrestling and football I never imagined myself on a stage competing in a mens physique competition. In addition to the weights, exercise and diet I actually had an instructor teaching me methods of stage presence. How to smile, make eye contact, position limbs and make a proper entrance, correct turns and good exit off the stage. My first competition in the Max Classic last June was a changing moment as it showed me that my passion for athletics and competition was still with me. During wrestling and football you would see and hear the fans but you never felt like you were being watched like I did during physique competition. This added another dimension to competing that I enjoy. From a torn meniscus and multiple concussions to the loss of playing varsity football my senior year, I learned that adversity can lead to other unexplored paths. Lessons of resourcefulness, self discipline and discovery come in many directions. I may not have been the great athlete I wanted to be during high school but because of high school athletics I was able to find a passion for fitness, creating a stronger body and mind in all, striving every single day to become the strongest version of myself. I hope in the future I can use my passion of health and fitness to help others.

ESRM 100 Exam 1 Flashcard

ESRM 100 Exam 1

Free Essays on Child Care

Abstract An important question for child care researchers today is how characteristics of the home and the child care setting together affect children’s development. There is mixed opinion on how differences and similarities between professionals’ beliefs, values and practices for raising children impact their development. There is strong theoretical support for the idea that continuity in children’s experiences from home and child care settings promote optimal development, and that major differences pose developmental challenges, especially for children in very early childhood. However, research that is available suggests that children from families with lower educational and economic resources can benefit from different environments if the care setting is more advantageous than that provided by the family. This paper examines early child care settings and the effects, whether they are good or bad, on the developing child. Also, different factors and variables will be presented in relation to the quality and promotion of congruence across care settings. This paper details different studies done on early child care from accredited literature and institutions, as well as magazines that focus on the topic of children and their development. Early Child Care and Effects on the Developing Child Recently there have been different viewpoints concerning the child care question, with assertions that non-parental care of young children is detrimental to their development. However, despite these assertions, research suggests that, given high quality care, the experience of child care is not harmful and can be beneficial to children. The simple question, â€Å"Is child care good or bad?† can be thrown out the window. In order to ensure that all children receive good quality care one must ask questions that revolve around what makes up good quality care, and how it meets the requirements of the children involv... Free Essays on Child Care Free Essays on Child Care Abstract An important question for child care researchers today is how characteristics of the home and the child care setting together affect children’s development. There is mixed opinion on how differences and similarities between professionals’ beliefs, values and practices for raising children impact their development. There is strong theoretical support for the idea that continuity in children’s experiences from home and child care settings promote optimal development, and that major differences pose developmental challenges, especially for children in very early childhood. However, research that is available suggests that children from families with lower educational and economic resources can benefit from different environments if the care setting is more advantageous than that provided by the family. This paper examines early child care settings and the effects, whether they are good or bad, on the developing child. Also, different factors and variables will be presented in relation to the quality and promotion of congruence across care settings. This paper details different studies done on early child care from accredited literature and institutions, as well as magazines that focus on the topic of children and their development. Early Child Care and Effects on the Developing Child Recently there have been different viewpoints concerning the child care question, with assertions that non-parental care of young children is detrimental to their development. However, despite these assertions, research suggests that, given high quality care, the experience of child care is not harmful and can be beneficial to children. The simple question, â€Å"Is child care good or bad?† can be thrown out the window. In order to ensure that all children receive good quality care one must ask questions that revolve around what makes up good quality care, and how it meets the requirements of the children involv...

Aviation - Eastern Airlines would need to have their business plan, Essay

Aviation - Eastern Airlines would need to have their business plan, marketing, route network, aircraft fleet or anything else look like what in order to be successful in todays current aviation market - Essay Example In this context, the example of Eastern Airlines can be taken into consideration. Eastern Airlines was one of the major airline companies based in the USA. The company was founded in the 1926 and headquartered at Miami International Airport, Florida. The company ceased its operations in January 18, 1991. The paper is directed to reveal some of critical reasons due to which Eastern Airlines had to be out of the business. For this purpose, the paper throws light of conditions of different crucial operations of airlines such as route structure, fleet, marketing, and business plan when they went out of business. In addition to this, the paper also provides some of the crucial recommendations to the company regarding different areas of business operations, which can allow the company to remain in the competition. There were a number of different reasons behind the demise of Eastern Airlines. Ill-business operations were one of them. There were several shortfalls in the different areas of its operations such as route structure, fleet, marketing, and business plan. From the perspective of route structure of the company, the span of business activities of the company was quite restricted. The international business of the company was not quite developed as it was expanded in Mexico, Caribbean and Canada only. The major hubs of the company were Charlotte/Douglas International Airport, Hartsfield Atlanta International Airport, John F. Kennedy International Airport (New York City), Kansas City International Airport, LaGuardia Airport (New York City), Luis Muà ±oz Marà ­n International Airport (San Juan), and Miami International Airport. In this way, the route structure of the company at time when they had to cease their operations was quite centered in the North American continent. The lack of international flights was major aspects of the business operations of the organization that made the company worthless for international passengers and tourists

Male youth suicide in the UK and its emergence as a social problemin Dissertation

Male youth suicide in the UK and its emergence as a social problemin the 1990s in related to press - Dissertation Example The effects of the portrayal of male suicide in the prominent UK publications, The Times and The Guardian, will be presented, detailing how media coverage of this subject has affected the suicide rates of male youth in order to set up the research question that will be examined in more detail in the M2 project. I have chosen The Times and The Guardian as the two referential publications for my research because they are both quality publications that have already gone through the process of tabloidization and currently can be relied on to provide accurate, quality information. The public believes they treat current affairs fairly seriously, so, they are important in forming views and peoples opinions. 2 Suicide Defined Establishing a comprehensive definition for what qualifies as ‘suicide’ is quite difficult, since the most common definitions of the word and the technical definition used by the Coroner’s office in England and Wales diverge. The most common definiti ons of ‘suicide’ are expressed in the following context: a. â€Å"The act of deliberately taking one's own life† (Frankish and Jeffereys). b. ... officially published suicide figures are collected from coronial investigations that take place in cases of unexpected or sudden deaths, and involve post-mortem reports, psychiatric records of the victim, and the social history as denoted by the friends and family, and suicide letters, if any (Sainsbury & Jenkins, 1982). A coronial verdict leaves a large scope for various probability factors, like suicidal behavioural tendencies noticed previously, records of psychiatric problems, associated social events that may have lead the victim to commit suicide, or a suicide note. There are also certain amounts of variations in the certification procedures, as the suicide certification in the UK is based on the coroners’ verdicts that are founded on public inquests; while in Germany, suicide cases are certified only by the general practitioners (Cantor, 2000). Often the problems in delineating suicides like drug overdoses, motor crashes where there was only one passenger (Phillips, 197 7), or death by drowning (O’Donnell & Farmer, 1995), makes it difficult for the investigators to arrive at a conclusion (Cantor, 2000). These aforementioned types of deaths are very often termed as accidental (see Figure 2), and owing to lack of any strong evidences, like a suicide letter, the deaths cannot be termed as presumably suicide (however there are differences based on the coroners’ choice). Thus, we find that, due to lack of evidences, suicides may be registered as ‘accidental’ deaths from unknown causes, unlike deaths by hanging, strangulation, or suffocation that are seen as conclusive evidence of suicide (see Figure 1). Figure 1: Deaths from ‘Suicides’ and ‘Undetermined Injury’ in England in 2008 (Gunnell, 6). Here the variations in the processes adopted for suicide