Assassination Of JFK essays

Assassination Of JFK essays When I first approached the topic of the death of John F. Kennedy, one of our countrys most famous presidents a lot of questions came to mind, one of them being, was Oswald the only man involved? Or was his death one big conspiracy? That was the question I intended to answer. On our first day of research I went online and simply typed in the assassination of JFK and was amazed on the results I received. Well over twenty sites were related to the assassination and the conspiracy of Kennedys death. As I continued to research, I found a website containing some interesting documents on the detail of events leading up to the assassination. I also found pictures and diagrams showing the area, which is called Dealey Plaza, where the shooting actually took place. These pictures really interested me and helped me get more involved with the research and helped me make my own predictions on the course of events. I must have obtained over twenty pages of information on that one day alone. That night I sat down and read over everything at least twice to get a clear depiction on what happened since there were so many accounts and opinions of what and how it happened. This is a general overview of what happened that day. On November 22, 1963 John F. Kennedy arrived at Dallas, Texas around 11:45am, on his electoral battle tour of the southern states. By all accounts the people at the airport welcomed him positively. Governor John Connally, his wife and Jackie Kennedy, accompanied him to the limousine, which led the motorcade through the town. When the motorcade arrived at the Dealey Plaza at 12:30 it turned right from Main Street to Houston Street, then turned onto Elm passing the Schoolbook Depository Building. As the motorcade headed down Elm three gunshots rang out (the exact number was never determined but evidence showed three shots, possibly four) and everyone standing on the street ducked down for cover. Kenne...

010 They Say and Process Professor Ramos Blog

010 They Say and Process Emails Quick Write What is the last thing that you remember having to learn? Who helped you? Emails Make sure to write the class and time in the subject line of your email. If you send in a homework assignment, make sure to include an appropriate title. To speed up grading, please copy and paste the homework into the email. For essays, add an attachment that has an appropriate name and title. Journals Journals are easy points to get, that are meant to help you in this class. If you do them, or attempt them, you earn the points. The first two journals asks that you answer some questions. We will continue to build on skills and incorporate them into the journals. Starting next week, you will be writing summaries of the readings. What is Literacy? Literacy the ability to read and write. Also, competence or knowledge in a specified area. Timeline Take out a piece of paper and turn it on its side. Draw a line across the middle. On the left should be the day you were born. On the right, write todays date. Now start filling it in with dates and important events in your life. After you are done, we will share these with a partner. What is the purpose of this you think? Literacy Sponsors According to Deborah Brandt,  sponsors of literacy are â€Å"any agents, local or distant, concrete or abstract, who enable, support, teach, model, as well as recruit, regulate, suppress, or withhold literacy- and gain advantage by it in some way.† Source In other words, sponsors can be anything that helps or hinders your literacy. For this class, I would like you to focus on Let’s come up with a big list of literacy sponsors. ? Shitty First Drafts The writing process is a very important concept that you need to learn. This will move you from writing ok papers to great papers. The first draft is the down draft. The second draft is the up draft. The third draft is the dental draft. They Say Chapter 1 argues that good academic writing responds to what others are saying. What â€Å"They Say† is important to include in academic writing and is one way we can include the conversation when we write. The chapter includes templates for introducing standard views, implied or assumed and ongoing debates. Why do you think they start out the textbook with this chapter? Why is it important to start with They Say? Free Write Pick one event from your timeline to think about more. How did you go about learning it?

Local visual art event Essay Example | Topics and Well Written Essays - 750 words

Local visual art event - Essay Example The painting exhibits the use of simple colours and gentle contrasts only. On the other hand, Allemann has chosen to depict a number of elderly people in a park who are playing a game. Some people are shown playing while others are resting to the right side of the painting. The use of colours by Allemann is highly differentiated from that by Keefe. Allemann’s colours present stark contrasts and there are few areas where the colours merge into each other seamlessly (Herberger Theater). Keefe’s The Apple has been created on canvas using oil paints. In contrast, Allemann has composed her work using water colours on a canvas. While there are gentle transitions of colour in Keefe’s work, the transitions in Allemann’s work are far more articulate due to the use of water colours. The composition of Keefe’s painting reveals a choropleth of white and greys that surround an apple in the middle of the painting. The apple has been composed of various shades of red, yellow and green that tends to blend magnificently into each other indicating the artist’s inclination for detailed strokes. Another notable aspect is the use of gentle colours only that tend to blend into each other swiftly. There are no sharp contrasts available throughout the painting anywhere at all. Allemann’s approach to portrayal is markedly different from that of Keefe. The Finals depicts a number of elderly playing, standing and sitting in various areas of the painting. The people throughout the painting are dressed in white such that most people’s hair and skin have colours that have gentle transitions from white. Most people in the painting are painted as dressed in white with white hair while the few black hair produce sharp contrasts in colour. The background of Allemann’s painting has been created in dark greens and certain blacks that present a

Case study Coursework Example | Topics and Well Written Essays - 250 words - 2

Case study - Coursework Example Coffee profits are visualized as the only strategy to acquire an outside world to obtain financial resources in realizing the vision of buying a ranch for the monastery. A potential competitive advantage for the Monk Coffee is observable despite the challenges posed by the cloistered monastic environment. Such is founded on the market niche of serving Catholics around the world and to maximize coffee production. The MCCs business model involves the external purchase of organic coffee beans from a broker with an associated premium price for daily fluctuations. Considering the ability of the Mystic Monk Coffees strategy to increase the income earned on an hourly basis tremendously, such a strategy is a money-maker strategy but entirely used for the monastery. The profit formula is an 11% of the revenues. A rich customer value proposition is based on quality when serving the coffee clubs and the wholesalers. The free labour that is not profit oriented and without taxes coupled with roasting coffee in the monastery are reliable resources for creating customer value (Faggioli, 2014). I would recommend that Father Daniel obtains part time help in the operations of the monasterys coffee to maximize the returns. The goals and objectives must be altered to become measurable, timely and precise to define and achieve the long-term direction and vision. The approach to the strategy and the strategy have no problem since they are aligned with the overall mission of the Carmelites. Purchasing a new roaster is highly recommended to increase the

Poverty in America Essay Example for Free

Poverty in America Essay Poverty is a disturbing but significant global concern. Just as it is for millions of other people all over the globe, poverty is occurring in America. Over the past decades, income disparity is ascending, in addition to the number of communities that failed to keep up with the national economic standard. Although poverty is present everywhere, it is more serious in developing countries, wherein one in every five person lives on not more than $1 for each day, which is the threshold being applied by the World Bank to classify poverty. The unrelenting problem of poverty is a multifaceted one that embraces individuals and communities who, without their fault, find themselves powerless to manage in this information-intensive and constantly developing world. For the majority Americans, poverty implies destitution, or the lack of ability to provide the family with reasonable shelter, clothing, and nutritious food. Despite the fact that material destitution does exist in America, it is relatively confined in severity and scope. To be aware of poverty in America, it is necessary to observe several statistics, as well as to observe the actual living conditions of the persons that are considered poor by the government. Overview of Poverty in America A large numbers of the country’s population live at or below the threshold of poverty, which means payment of bills every month and financing for the essentials, consisting of shelter, clothing, and food, not counting access to health care and a number of simple comforts is a constant struggle. According to estimates in 2003, roughly 25 percent of counties in the United States had low rates of workforce participation, soaring rates of unemployment, high reliance on government transfer expenditures, and incomes that is lower than one-half of the national average or less for each person. The Census Bureau classifies poverty as a family of three earning not more than $14,680, and not more than $9,393 for a worker without any dependent (Blanco, 2004). According to the 2003 statistics of the Census Bureau, almost 36 million Americans lived in poverty, which is 1.3 million more in 2002. Since 2000, the country has experienced an increase of 4.4 million people who lives in poverty (Blanco, 2004). According to a survey, the present American families are experiencing worse living conditions than they have in the previous years, as 10 percent of all families or approximately 7.6 million families in 2003 lived in poverty, which is an enormous ascend from the previous years (Blanco, 2004). In 2005, the registration of the United States Census Bureau of poor individuals in the country totaled to approximately 37 million poor Americans (Rector Johnson, 2004). Therefore, there is one in every eight Americans that is struggling with inconceivable poverty. These millions of Americans are asserted to be deficient of the necessary clothing, shelter, and enough money for the food, as well as being forced to live in unpleasant conditions (Rector Johnson, 2004). Common Factors of Poverty In the concluding half of the 20th century, the three factors that are generally offered to explain movements of poverty in the United States are changes in family structure, economic inequality, and income growth. If the average per-capita incomes are increased, such as increasing wages and employment, then it is expected that poverty will generally decline. Nevertheless, economic inequality can take the edge off the overall constructive impact of income growth if lower-income workforce and unemployed citizens do not benefit from the fruits of such development. On the other hand, changes in the family structure, primarily the ever-increasing number of families headed by female may be linked with higher rates of poverty for the reason that such families are more expected to be poor and are more economically vulnerable. I. Economic Equality Certainly, the country has made several enhancements over the intervening decades in terms of the overall minimum living standard as measured through material conditions. Yet the living conditions of the poor individuals are severely different from that of families and individuals who take advantage of various degree of economic security as measured through income levels that provide unstressed and comfortable situations. The escalation in the number of poor individuals and families in the country ought to provide the government various apprehension, but even more upsetting is the increasing difference between the underprivileged and wealthy in America. In the previous decades, compensation for more affluent Americans has considerably ascended, stimulated by increase in stock options, bonuses, salaries and other rewards. However, the compensation provided for millions of lower-wage workforces dropped off; and in fact, a number of them have even lost their jobs (Blanco, 2004). Therefore, this factor has prevented the advantages of economic growth from being equally drawn out. Moreover, in 2005, non-Hispanic white men, not less than 25 years of age, holding only high-school qualification have $35,679 median income; whereas women within the same age group, need a degree in college in order to obtain a comparable median income (Spriggs, 2007). The outcome is that the households headed by female are harmed by the major earnings gap, which has a poverty rate of 31.1 percent in contrast to their male-headed household counterparts, which only had a 13.4 percent poverty rate (Spriggs, 2007). In 2005, poverty for women is excessively elevated than men, which is14.1 percent in contrast to 11.1 (Spriggs, 2007). The disparity reflects unrelenting gaps in earnings between male and female workers. At the same time, since 1959 the median income of white males with a family of five has been higher than the poverty line, but for women with a family of three, it was only in 1990 that their median income broke beyond the poverty line (Spriggs, 2007). Further, notwithstanding the progressive structure of benefit procedure in Social Security benefits, the constant gap is best reflected in disparities in poverty among the elderly, where the lifetime earnings of women suggest they have lower assets than men. II. Family Structure Higher rates of poverty among women have generally been contributed to the changes in family structure. The percentage of families headed by single female with children rapidly rose over the previous decades of the 20th century, which reached 26.5 percent in 1995 from only 11.5 percent of all families with children in 1970; with higher rates for Hispanics and blacks. At the start of year 2003, roughly 26.1 percent of the entire families with children in the country were headed by single woman. A number of such families do not obtain any or adequate child support from the absent fathers of the children. It is suggested in one study that if fathers married the destitute mothers of their children, approximately three-quarters of the single-parents would instantly be elevated outside poverty status (Rector Johnson, 2004). Obviously, two parents in a household generally earn more than single-parent. The burden of receiving enough income to raise dependent children outside poverty additionally confronts women who are the single head of the family, as well as getting and paying for child care concurrently with their work and management of the household without help. Since this hazard confronted by women of serving non-working dependents as well as their efforts in looking after their elderly parents is not distributed by society, women who head such families are expected to obtain lower levels of education, therefore, resulting to their lower earnings. Aside from the fact that women are more expected to earn significantly less than men with similar qualifications, mothers have a tendency to accumulate less experience than other workers. III. Income Growth Poverty is associated with the lack of sufficient income, so the core problem therefore is the compensation for the workers. Among the poor, only 11.4 percent or 2.9 million jobs around the clock is available for the whole year (Spriggs, 2007). This sector of the population is further directly impaired by minimum-wage laws that have hindered costs of living. This setback is particularly severe for poverty stricken American-Hispanics and American-Asians, where 18 percent of them worked year-round for full time (Spriggs, 2007). There are several reasons why numerous people lack the income to overcome poverty. For instance, people do not work or if they work, they do not earn sufficient amount of money. Whether in good or bad economic times, the ordinary poor family with children exerts only 800 hours of work throughout a year or 16 hours of work for each week (Rector Johnson, 2004). Evidently, almost 75 percent of poor children would be lifted outside certified poverty status if work is provided in every family, that would increase the work hours to 2,000 for every year or comparable to 40 hours for each week all through the year (Rector Johnson, 2004). In 2005, approximately 61 percent underprivileged families have no less than one worker; and of twice-poor families, 71 percent have no less than one worker. In view of the 1990s record job creation, the number of poor but working people declined to 8.5 million in 2000 from 10.1 million in 1993. In short, America is capable of dealing with poverty. But there have been vast stubborn concerns that have lodged the face of poverty. Mounting disparity in the labor market has increased the share of the working age poor citizens, and the unsympathetic federal minimum-wage laws that have amplified the numbers of poor people working year-round for full-time. In a country with a per capita Gross Domestic Product is exceeding the poverty line for a family of four, it is atrocious that there are still more than 12 million poverty stricken American children, and nearly 3 million people work around the clock, for one whole year who are still finding it hard to make ends meet. Facts Concerning the American Poor Sector Based on the American’s accepted definition of poverty, only a small number of the 37 million individuals fit the poor description, contrary to what the Census Bureau classified. Despite the fact that real material destitution undoubtedly does take place, it is limited in severity and scope. A number of America’s underprivileged lives in material conditions that would be considered as well-off or comfortable some generations ago. The following are information obtained from different government reports regarding people classified as poor by the Census Bureau: 1. Roughly 46 percent of the entire poor households actually own their individual houses (Rector Johnson, 2004). The typical house owned by persons identified as poor by the Census Bureau is a three-bedroom house with a garage, one-and-a-half baths, with at least a patio or porch. 2. About 76 percent of underprivileged families have air conditioning in their houses (Rector Johnson, 2004). By comparison, merely 36 percent of the entire population of the United States benefited from air conditioning 3 decades ago. 3. Only 6 percent of the underprivileged families are considered overcrowded, and not less than two-thirds of them have extra two rooms for every person (Rector Johnson, 2004). 4. The typical poor American has more living space than the average individual living in Athens, Vienna, London, Paris, and other cities all over Europe (Rector Johnson, 2004). 5. Practically three-quarters of poor families own an automobile, while 30 percent own at least two automobiles (Rector Johnson, 2004). 6. Approximately 97 percent of poor households own at least one colored television, while half of the said percentage has at least two colored televisions (Rector Johnson, 2004). 7. Roughly 78 percent own DVD or VCR players, while 62 percent have satellite or cable television reception (Rector Johnson, 2004). 8. Around 73 percent of the poor households have microwave ovens, one-third owns an automatic dishwasher, and over half own a stereo system (Rector Johnson, 2004). Further, as a group, America’s poor are far from being constantly malnourished. In fact poor children have usual protein intakes of 100 percent beyond the medically suggested levels and consume more meat than children of higher-income do (Rector Johnson, 2004). Nevertheless, despite the fact that in general the poor are well-nourished, there are still several poor families who experience short-term distress due to food deficiencies. According to the United States Department of Agriculture, although most of the time the hunger is temporary, still 2.6 percent of poor children and 13 percent of poor families experience food shortage sometime during the year (Rector Johnson, 2004). Approximately 89 percent of the poor account sufficient food to eat to their families, at the same time only 2 percent says they often do not have adequate food to eat (Rector Johnson, 2004). Conclusion / Recommendations Following the United States government classification of poverty, the typical poor American people have a living standard far superior as compared to what the public envisions. Nevertheless, the typical poor person’s living conditions should not be taken to suggest that every poor American lives devoid of hardship. Millions of Americans are still continually struggling to hang on, making tough choices between housing, hunger and health care for their families. Economic inequality, income growth, and changes in family structure without doubt affected poverty trends over the latter half of the 20th century. Poverty in America can be readily reduced, if parents are provided with sufficient hours of work and if fathers are at all times present with their families. Although marriage and work are unyielding ladders away from poverty, the country’s welfare system uncooperatively continues to be unsympathetic to both. Foremost programs such as Medicaid, public housing, and food stamps keep on reprimanding marriage and rewarding idleness. Therefore, if welfare could be turned around to uphold marriage and work, the remaining number of poor family would quickly decrease. Further, as a matter of course, the United States has employed over the years job creation and economic growth to trim down poverty, but at present situation the courses are consequential only to the extent that inequality on wages is reduced. Poor people are generally not victims of themselves, but of appalling economic policies along with obstructions to opportunity. Since work generates income, it is important therefore that the government must provide a great increase in available working hours in different labor sectors for the poor. Along with the work opportunities, it is also important to eliminate economic inequalities based on gender, age, economic status, and many others in order to provide higher wages and higher incomes to the underprivileged sectors of the country. America is a nation with one of the most productive and strongest economies in the world. As such, the country must exert a continuing effort to fully utilize the abundance and therefore eliminate the country ’s alarming poverty rate.

Essay --

Once considered taboo, tattoos have shed the social outcast stigma once associated with getting inked. One might even say tattoos have become trendy. The ancient art form traces back 4,000 years to the Egyptians. The oldest mummy ever found –dating back to the Bronze Age of Europe – had 59 tattoos. Tattoos have adorned the arms of kings, queens and czars, representing power and wealth. King Harold of England’s body was identified on a battleground by his tattoo, which featured the name Edith inscribed over his heart. King Edward VII of England had a dragon on his forearm. In Great Britain, tattoos were a sacred familial ritual as the Danes, Norse and Saxon tattooed their family crests on their chests. Tattooing spread in the United States as a way to memorialize fallen soldiers during the Civil War. Tattoos’ elite status symbol plummeted in 1891 when Samuel O’Reilly patented his tattoo machine in New York. Tattoos, which were previously available only to the upper class, became popular with the general public. By the early 1900s, tattoos became associated with the lower class,...

University Education for Women

Research essay Essay topic: women should be required to undertake a university education in developing countries. In today’s modern life, the role of women has become more and more important in economic growth. However, in many countries, especially in developing countries, low female educational rate is big problem. This essay argues that women should be required to undertake a university education in developing countries. The first reason why women should be required to undertake a university education in developing countries is that it can affect positively some social problems such as family planning and illiteracy rate.People need to know that in most developing countries, the literacy rate of males is significantly higher than females. For example, the percentage of literate males in Vietnam is 94. 0% while the percentage of literate females is 86. 9% (Phan et al. , 2004, para 3). Similarly, according to Chandramouli (2011), the literate male’s percentage (86. 9%) is much higher than the percentage of literate females (65. 5%) in India. Thus, women should take a university education to equal the balance between males and female’s literacy rate.Moreover, if women take tertiary education, they may have more knowledge to understand the importance of family planning to avoid having more than 2 children. Another important reason is that women play an essential role in family literacy. According to Bhandari & Smith (1997), mother’s literacy is related to preschool children’s knowledge, language and literacy skills. For instance, a mother is a person who is closest to children in a family so mother’s behaviour have a huge impact on children. If parents, especially mothers have bad behavior, their children may imitate those actions.In contrast, if mothers have high knowledge, they can teach their children better. They may tell their children meaningful stories to help children know what is good or not and do better in sch ool. Having high education of mothers also brings better health care for their children. Therefore, it is better for women to undertake university education in developing countries which have higher birth rate. Finally, women with university education may have more opportunities for jobs or higher social position.It is true that women who have higher levels of education, especially tertiary education can get a good job easier. High- educated women can have necessary knowledge and social skills which they had learnt in universities to get job in today’s society in developing countries which are male-dominated societies in the past. Women have some qualities that men do not have such as flexibility, multi- tasking so if they have high-educated, they can be more successful than man. Furthermore, having a university degree can help women have higher social position.For example, in some developing countries, many high educated women hold an important role in the state apparatus su ch as Yingluck Shinawatra- Thailand’s first female prime minister. In conclusion, women should be required to undertake a university education in developing countries because of its effect to some social problems and its role in family literacy as well as individual’s benefits. It is clear that government and communities should be aware of the importance of women’s education to make our society better.References list: 1. Bhandari, R. & Smith, F. J. (1997), Available from: http://www. jrre. psu. edu/articles/v13,n3,p183-196,Bhandari. pdf [Accessed: May 5, 2012]. 2. Chandramouli, C. , & (2011), Available from: http://censusindia. gov. in/2011-prov-results/paper2/data_files/india/Rural_Urban_2011. pdf [Accessed: May 3, 2012]. 3. Phan, T. , Bilgin, A. ,Eyland, A. , Shaw, P. (2004), . Available from: http://stat. mq. edu. au/Stats_docs/research_papers/2004/Literacy_in_Vietnam_-_an_atlas. pdf [Accessed: May 11, 2012]

Life of Pi Pre-Read Socratic Seminar

Pi reflects on religion constantly, but he does mention that he always goes back to his Hindu customs and rituals that he grew up with. Do you believe that religious or people with strong belief systems growing up always have that religion as their bases for many decisions in their life? Does that religious belief ever change? I feel as though the religion will always be the base for decisions. Even if the person may stray away from that religion, the foundation that was put into their mind by that religion will stay. I know that for me, I grew up in a Christian environment.I went to all the Sunday school classes, VBS activities, volunteered at church, but I remember soon getting very agitated with the very people who I knew to be Christian. My family were leaders within the Christian community: pastors, musicians, teachers, wives of pastors, so it didn’t quite make sense that I saw them in acts of betrayal, dishonesty, and anger toward one another. Despite my becoming Atheist at that point in my life, I couldn’t relinquish the morals that I had grown up with: unconditional love for others, forgiveness, non-violence and conservation of the body and mind.I may not have sensed God’s presence then and there, but the religion was still there. In all instances of my life, I still find myself trying my best to follow the morals I grew up with no matter what I come to believe. I see that today in society it is important to raise our children in a well-mannered household. If a parent wants them to grow up well, they must teach them first the morals they want their family to uphold. But they must also place a certain amount of importance on it and let the child understand that it IS important and MUST be followed or it won’t stick with them.I don’t think that the religion or morals change, however meld themselves to fit the new beliefs of the person. If they believe so strongly toward something, they WILL keep it and honor it. Pi state s that the compulsion to make life more livable by inventing a better story is natural instinct both to mankind and animals alike. Is this so of society today? Do we still have the need to conform? How much of a â€Å"better story† can one make before it becomes too unrealistic? Psychologically it is a need to make ourselves look and feel good. It is a way for us to maintain an image of ourselves.It’s a way we attract our mates and a good self-esteem booster. Confidence and consistency is key in this world for us to achieve our desires. We want to be agreeable, make a social situation run smoothly, and avoid disagreement and discord at all costs, yet we do that with the price of breaking the intimacy and trust that holds a bond together. I believe that in order for humanity to survive it needs to face the facts and deal with the blows as they come. Then and only then will true strength of an individual and that individual’s relationship will come forth.I feel th at if humanity continues to lie to themselves, things will not get done. Global Warming for example is considered a myth by many because we don’t want to accept the reality that it will cause our Earth great harm; that it will cause US great harm. The same with the re-invention of stories to make a person more appealing. We don’t think they will cause harm, but they do. We break down trust and make in the end lose our loved ones and ourselves in the process. I believe ir is at this point we begin to question who we actually are and what we can truly achieve.However, I do also feel that as humanity grows deeper into crisis we need a way to escape from the harsh reality of the world. I think that as long as we are in our confines of our own mind, we can keep altering ourselves for betterment. In Pi’s case he seems to want to escape the past and pass the burden of his story to another person. When Orange Juice fights the hyena, the almost human-like nature of the o rangutan disappears and she becomes violent. Pi realizes that personality that one shows does not always beat natural instinct.Name examples where this is true or provide evidence of where it doesn’t. Can personality triumph over instinct? Personality is a big part of how we shape ourselves. The similarities and differences are shown through how we react to the diversity in the world and how we create or destroy relationships with one another. When a person feels threatened by something, or similarly with an animal, they will react almost instinctively in order to protect their being. If a person feels threatened they will yell, kick, and go bat-shit crazy. So will an animal.There is a fine line between instinct and personality. Over the years we have learned to overcome it, but in times of stress it comes out no matter how hard a person or animal has trained to keep it within. It’s like in the Jungle Book: â€Å"You can take the boy out of the jungle, but you canâ₠¬â„¢t take the jungle out of the boy. † The instinct is our body’s natural way of protecting ourselves. I do feel though that over time and through much work a person and an animal can overcome their fears and obstacles to becomes a less threatening being. So yes, personality will triumph both in my heart and in Pi’s.I think that Pi saw this fine line of personality vs instinct and knew full well how even though society has become more modern, there are still things in this world that offset the balance: natural disasters, politics, and religion. That is why I think Pi puts so much stress on the detail that to him religions were based off love and compassion toward everyone and everything. He is confused with how people react like animals when it comes to their beliefs. Simply put, they are threatened. Scared that the balance will now be leaning more towards one side and that another will gain the power and become the â€Å"Alpha† being.

Npl Non Performing Loan Essays

Npl Non Performing Loan Essays Npl Non Performing Loan Essay Npl Non Performing Loan Essay Most of the financial institutions have the problem of non-performing loans. Basically, the non-performing loans (Naps) mean that the loans in default, or is close to being in default according to Investigated. In the contract terms, Naps indicates the failure to promptly pay Interest or principal when due. When the borrowers are unable to meet the legal obligation on making the required payment or are unwilling to honor the debt, the default will be taken place. With the Increase of Naps, the level of market confidence will be affected. The effect of the banks bad-loan problems can be seen at the East Aslant crisis which occurred n July 1997. During the crisis, banks balance sheets were deterioration due to the increasing of Naps which showed in the Figure 1 below (Deteriorate Guppy). The problem was started as the deregulation was exercised In the financial markets. A lot of loan borrowings from the private nonofficial business sector were easily being approved. But, the bank regulators failed to supervise the borrowers as there was a lack of expertise in screening and monitoring the borrowers at banking institutions. Hence, the default loans started to Increase and the banks net worth (capital) became lesser. The bank would have lesser fund to lend. Then, the economic activity would be reduced due to the lack of funds (Munchkins and Sneaking, 2000). Figure 1: Changes of Non-performing Loans ( Source: Van Dick and Fitch ABACA database) In additions, the Increase In uncertainty and a decrease In net worth caused a stock market declines. Then, the asymmetric information problems increased. It would become difficult to screen out good borrowers. The adverse selection and moral hazard problems Increased seriously. With the Increase of these problems, lenders were unlikely to lend out money and led to the decline of Investment and the crease of aggregate economic activity. Due to the poor business situations and uncertainty about their banks health which the bank could go broke. Depositors began to withdraw their funds from banks. The massive withdrawal of depositors would bring the bank failures. If they snowballed, bank panic would take place. The number of banks could decline. It was able to raise the interest rate even further and decreased the financial intermediation by banks. Deterioration of problems created by adverse selection and moral hazard could lead to the further economic contraction (Munchkins and Sneaking, 2000). Ultimately, market would have a stroke which was hardly recovered. Thus, market confidence wouldnt be optimistic. The stability of financial system in Malaysia could affect as well. After the Aslant crisis, governments In South-East Asian countries have taken action on solving the problems. Many rescue activities such as insertion of huge amount of government capital Into problematic Tanks, moving non-performing loans out AT banks, and setting up special government organizations to deal with non-performing loans, etc. (Ho, n. D. ). To deal with the impact of the Asian financial crisis in 1997-98, Penguins Attendant National Bertha has been set up by Bank Engage Malaysia to buy bad loans from financial institutions. Meanwhile, Adenoidal National Bertha has also been set up to recapitulate banking institutions. And the Corporate Debt Restructuring Committee was set up to reorganize large corporate debts. Other than that, Bank Engage Malaysia was also instrumental in designing and applying the selective exchange control measures introduced in September 1998 (Bank Engage Malaysia, 2003). To sustain full stability in the financial sector during the recent crisis, strong overspent commitment and support are important. It has contributed to the strength and thus returns of confidence in the industry. The support includes the timely government intervention to re-capitalist weak banks and remove non- performing loans from the banking system as well as the consolidation exercise (Public Bertha, 2000). As a conclusion, bad-loan problems should be faced seriously as they have a significant impact to a development of a country. Proper loan ad project monitoring system should be implemented in better manners. So, the asymmetric information can be avoided and then the Naps can be controlled. Question 2 The Federal Reserve System is the central bank of United State. Unlike central bank in other countries, Federal Reserve is not owned by government, it is owned by commercial banks in the district. Three of the directors are appointed by government, and government has the right to set and control salaries of high level employees. It is not a profit making institution, while Federal Reserve makes profits, member banks get 6% of investment capital as a dividend, and the rest will keep in capital account. The current chairman of Federal Reserve is Ben Aberrant. Federal Reserve controls U. S economy and it can influence world economy too. Its role and duties all into four general areas: 1 . Conducting the nations monetary policy by influencing monetary and credit condition in the economy in pursuit of maximum employment, stables price, and moderate long-term interest rates. 2. Supervising and regulating banking institution to ensure the safety and soundness of the nations banking and financial system, and protect the credit rights of consumers. 3. Maintaining stabilities of the financial system and containing systemic risk that may arise in financial markets. 4. Providing financial services to depository institutions, the U. S government, and foreign official institutions, including playing a major role in operating the nations payments system. Federal Reserve is consider an independence central bank, it has goal Independence, to set own Notation target, control AT money supply Ana exchange rate. It has the legal independence also, it is enshrined in law. It also has management independence and operation independence, to determine the best way to achieve the goal and run its operation, such as appointing staff and set budget. Public encourage central bank to be independence; the main reason is avoid Laotian take advantage in election by using monetary policy tools. When high unemployment is occur, one of the method to solve it is expansionary monetary. Compare with reeducation and retrain, expansionary monetary policy can help national output grow faster. But it is also create high inflation rate, due to money supply over in the market. To control inflation rate, government and central bank will increase interest rate to lower the inflation rate, government will increase interest rate to control it. It will finally occur high interest rate(low output) and high unemployment rate. If central bank could work independence, it could control inflation rate better cause it does not need to rush under political pressure. Monetary policy might be miss use by politician, to be their election tools. Politician can get advantage in reelection. Politician can increase money supply to make the growth of national output and consuming in short term. It creates a phenomenon that economy going very well. The after election, politician can reduce the money supply, to avoid the inflation problems. But the output peaked in the month of election, and falling ever since, due to money supply has been cut. In this situation, politician can either maintain the high output but high inflation, or cut down money supply to solve inflation problem but low output. Whatever decision government make, damage of economy system is definitely occur. To avoid politician take advantage I election and make problem to economy system by monetary policy, Federal Reserve should work independence. When Government increase annual budget, to purchase goods and services, they must finance by 3 ways-raising taxes, increase government debt, or printing new money. Public definitely not willing to pay higher taxes, raising taxes will bring bad influence to next election. Issue new government bond also not a good method, high government debt also make public unsatisfied. Hence, politician prefers print new notes for spending. And the result is, it increase inflation rate in long term (Thomas Mark, 2009). There is some argument against Federal Reserve independence. Monetary policy must be coordinate with fiscal policy, to ensure economy system working well. For example, if government increase annual budget and Federal Reserve decrease interest rate in the same period, they will create terrible inflation rate. Central bank loud never manage to control fiscal policy, so, only by placing monetary policy under control of federal government can these two policies be coordinate. Another argument against really Reserve Independence Is Tanat Independence He has failed to manage the inflation rate. For example, in sass-sass, Fed has overly expansionary monetary policy and create high inflation rate ever (Thomas Mark, 2007). Independence Federal Reserve bank has both advantages and disadvantages. Advantages of Federal Reserve being independence is ensure the Federal Reserve run without controlling of government, to avoid monetary become election tools of Laotians. An independence central bank will not create inflation problem under political pressure. Advantage of Federal Reserve being independence is, if central bank work closely with government, monetary policy can be more coordinate with fiscal policy, economy system can have stable and stronger growth. In our opinion, independence central bank is more suitable for a democratic country, like United State. In a freedom and democratic country, political manipulate to financial system are not allowed, if the incident is explore, the bad influence is deeper than Just a mistake of maintaining interest rate. We had also discussed if politician control in central banks actions, it will finally brings Inflation problem, unemployment problem and low output problems, and so on. Hence, we are strongly support Federal Reserve keep its independence and have more freedom even. Question 3 Insurance Companies are the financial intermediaries, which use the premium is paid on policies to invest on bonds, stock, mortgages and other loans. Asymmetric information occurred because of insured person has an incentive to cheat and seek for a claim from insurance companies (Munchkins and Sneaking, 2009). Insured person can lain the losses on the policies that they bought from the insurance companies, such as life, property, casualty or health insurance. Asymmetric information means lack of information is provided by the second party. There are two kind of asymmetric information, which is adverse selection and moral hazard. Adverse selection occurred before the transaction. Adverse selection means that someone is providing the fault information that affects the decision of insurance companies whether to accept or reject the insurance policies. Moral hazard occurred after the transaction. Insurance companies could not predict the ensured person will be engaged in any risky activities after buying the insurance policies (Munchkins and Sneaking, 2009). Based on the article is given, it shows the insurance companies refuse to pay medical bills to the insured person, who do not qualify for the claim. To protect the insurance industry, government proposed Medical Examination a Must for Insurance Purposes It is important to have a proper understanding of the asymmetric information in insurance industry. A proper understanding of asymmetric information is important to prevent any Truculent occurred, wanly could Drill a nudge amount AT losses to ten Insurance impasses. Refer to an article (Appendices 1) from The Star 2009, Singapore police recover 30 stolen Malaysian luxury cars. Some cars owners are forced to surrender their cars after they lost in gambling session in Singapore and reported the car have been stolen when they returned to Malaysia. The car owners are trying to cheat for a claim from their losses. Insurance companies will be suffered a huge losses if the police did not reveal the truth. Refer to the insurance industry statistic on stolen vehicles in Malaysia (Appendices 2), it shows the overall vehicle theft in 1997-2008. Number of theft was reached 46,330 cases in 2008. Claim incurred have been raised from REARM million to REARM million from 2007-2008. There is a significant increased by 1 billion in a year. If the amount of claim continuing increased in future, the insurance companies will not able to pay all the losses of policyholder. It is important for insurance companies to have a proper understanding about asymmetric information and come out with a good solution. To counter the asymmetric information, insurance companies overcome with some kind of solutions, which could reduce the adverse selection and moral hazard problems. Screening is an effective procedure to collect customer profile and allocate the risk class of policyholder (Munchkins and Sneaking, 2009). Screening is effective to reduce the adverse selection problems. There is an auto insurance rating system (Appendices 3) in US. It explained 6 factors that the driver insurance rate is determined:- 1 . Type of vehicles. (Safer car, less insured cost) 2.

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