Key Players in Curriculum Development Essays

Key Players in Curriculum Development Essays Key Players in Curriculum Development Essay Key Players in Curriculum Development Essay Axia College Material Appendix E Fill in the table by describing the role and influence each group has on curriculum. Some may have direct influence and some may have indirect influence. Identify whether their influence deals with selecting, maintaining, or evaluating the curriculum and in what ways they participate in that process. The first answer is provided as an example. Key Players in Curriculum Development Key PlayersRole and Influence on Curriculum Federal GovernmentThe federal government passes federal legislations, such as the No Child Left Behind Act, to which schools must measure up. NCLB mandates can directly influence the curriculum in schools. They mostly influence the selection of curriculum. StateThe state determines what the students should learned based upon grade level and also selects the materials to be used in order for them to learn. They give guidance through teacher aid material to help the teachers know how to present the material to the classroom such as syllabi or other documents created for each subject. DistrictThe district also plays a key role in supporting and evaluating whether the curriculum mandated by the state standards is being met. Districts may evaluate each grade level to ensure the curriculum is being presented effectively and the standards for each grade is being met. The main role of the district is ensuring the implementation of the set curriculum. SchoolThe school’s role is to present the materials given by the state and district to the teacher and ensure the curriculum is being taught in the classroom. Schools must make sure the student’s state standard of learning is being met and that the teachers are being held accountable in the classroom. TeacherThe teacher’s role has little control but probably the most responsibility. It is their role to ensure the students’ success as a learner. They must also evaluate the curriculum and materials given to them and make recommendations for changes hat may help students to be more successful. They must give positive and negative feedback so that the curriculum choices can be a constant improvement in the educational system. CommunityWhile the community does not have a direct role in the choosing of the curriculum, they do play a role in the allocation of funds through tax dollars. They play a role in voting for members who make the decisions about the curric ulum but control whether there is an increase in funding for schools based on their success.

The Sound and the Fury Quotes

The Sound and the Fury Quotes The Sound and the Fury is a complex and controversial novel set in the Deep South. Its author, William Faulkner, is considered one of the greatest American writers of the 20th century. The novel is required reading for many high school and college students as an interesting study of humanity. The quotes from the book below have been separated out by chapters for an easy way to get a sense of the storyline and characters. Notice how Faulkner developed his characters further through the use of intentional misspellings and poor punctuation. April Seventh, 1928 Youre not a poor baby. Are you. Are you. Youve got your Caddy. Havent you got your Caddy. Father and Quentin cant hurt you. Carry Maury up the hill, Versh. Versh squatted and I got on his back. They aint no luck on this place. Roskus said. I seen it at first but when they changed his name I knowed it. They aint no luck going be on no place where one of they own chillens name aint never spoke. We watched the muddy bottom of her drawers. You got him started on purpose, because you know Im sick. Caddy held me and I could hear us all, and the darkness, and something I could smell. And then I could see the windows, where the trees were buzzing. Then the dark began to go in smooth, bright shapes, like it always does, even when Caddy says that I have been asleep. June Second, 1910 I give it to you not that you may remember time, but that you might forget it now and then for a moment and not spend all your breath trying to conquer it. Because no battle is ever won he said. They are not even fought. The field only reveals to man his own folly and despair, and victory is an illusion of philosophers and fools. That never had a sister. Because if it were just to hell; if that were all of it. Finished. If things just finished themselves. Nobody else there but her and me. If we could just have done something so dreadful that they would have fled hell except us. I have committed incest I said Father it was I. Its not when you realize that nothing can help you- religion, pride, anything- its when you realize that you dont need any aid. Holding all I used to be sorry about like the new moon holding water. What a sinful waste Dilsey would say. Benjy knew it when Damuddy died. He cried. He smell hit. He smell hit. I didnt mean to speak so sharply but women have no respect for each other for themselves. Father and I protect women from one another from themselves our women. There was something terrible in me sometimes at night I could see it grinning at me I could see it through them grinning at me through their faces its gone now and Im sick. Purity is a negative state and therefore contrary to nature. Its nature is hurting you not Caddy. And maybe when He says Rise the eyes will come floating up too, out of the deep quiet and the sleep, to look on glory. And after a while the flat irons would come floating up. I hid them under the end of the bridge and went back and leaned on the rail. Only you and me then amid the pointing and the horror walled by the clean flame. I could not be a virgin, with so many of them walking along in the shadows and whispering with their soft girl voices lingering in the shadowy places and the words coming out and perfume and eyes you could feel not see, but if it was that simple to do it wouldnt be anything and if it wasnt anything, what was I. Ill tell you how it was it was a crime we did a terrible crime it cannot be hid you think it can but wait. Dont cry Im bad anyway you cant help it. Theres a curse on us its not our fault is it our fault. Listen no good taking it so hard its not your fault kid it would have been some other fellow. I hit him I was still trying to hit him long after he was holding my wrists but I still tried then it was like I was looking at him through a piece of colored glass I could hear my blood. I seemed to be lying neither asleep nor awake looking down a long corridor of gray halflight where all stable things had become shadowy paradoxical all I had done shadows all I had felt suffered taking visible form antic and perverse mocking without relevance inherent themselves. The dungeon was Mother herself she and Father upward into weak light holding hands and us lost somewhere below even them without a ray of light. A fine dead sound we will swap Benjys pasture for a fine dead sound. it was to isolate her out of the loud world so that it would have to flee us of necessity and then the sound of it would be as though it had never been. April Sixth, 1928 Once a bitch always a bitch, what I say. Ask her what became of those checks. You saw her burn one of them, as I remember. Im bad and Im going to hell, and I dont care. Id rather be in hell than anywhere where you are. I never promise a woman anything nor let her know what Im going to give her. Thats the only way to manage them. Always keep them guessing. If you cant think of any other way to surprise them, give them a bust in the jaw. I began to feel sort of funny and so I decided to walk around for a while. Mother was going to fire Dilsey and send Ben to Jackson and take Quentin and go away. Im glad I havent got the sort of conscience Ive got to nurse like a sick puppy all the time. If Im bad, its because I had to be. You made me. I wish I was dead. I wish we were all dead. Sometimes I think she is the judgment of both of them upon me. And just let me have twenty-four hours without any damn New York Jew to advise me what its going to do. I just want an even chance to get my money back. And once Ive done that they can bring all Beale street and all bedlam in here and two of them can sleep in my bed and another one can have my place at my table too. She had been a big woman once but now her skeleton rose, draped loosely in unpadded skin that tightened again upon a paunch almost dropsical, as though muscle and tissue had been courage or fortitude which the days or the years had consumed until only the indomitable skeleton was left rising like a ruin or a landmark above the somnolent and impervious guts. April Eighth, 1928 It was as different as day and dark from his former tone, with a sad, timbrous quality like an alto horn, sinking into their hearts and speaking there again when it had ceased in fading and cumulate echoes. I got de ricklickshun en de blood of de Lamb! I seed de beginnin, en now I sees de endin. harshly recapitulant, seeming to get an actual pleasure out of his outrage and impotence. The sheriff did not appear to be listening at all. Of his niece he did not think at all, nor of the arbitrary valuation of the money. Neither of them had had entity or individuality for him for ten years; together they merely symbolised the job in the bank of which he had been deprived before he ever got it. Caddy! Beller now. Caddy! Caddy! Caddy! There was more than astonishment in it, it was horror; shock; agony eyeless, tongueless; just sound, and Lusters eyes backrolling for a white instant. The broken flower drooped over Bens fist and his eyes were empty and blue and serene again as cornice and faà §ade flowed smoothly once more from left to right, post and tree, window and doorway and signboard each in its ordered place.

Critical Analysis of Giac Duyen in The Tale of Kieu Essay

Critical Analysis of Giac Duyen in The Tale of Kieu - Essay Example I say this because Giac Duen is the only character whose religiosity represents the Buddhist institutional belief through her actions. Being the embodiment of Buddhist virtues, a Buddhist nun Giac Duen appears to be friendly, kind-hearted and compassionate to distressed Kieu. Indeed her friendly guardianship seems to fill up the vacuum of a religious authority that the medieval Vietnamese literary tradition often required. Du does not tell us much about the prioress’s past. Yet she appears to be self-evident because of her admirable religiosity and her actions accordingly. Indeed at times, her humanity surpasses her religiosity also. Ultimately her religiosity as well as her universal humanity makes her an outstanding figure, in the poem, which serves as an instrument that assists Kieu to get relief of the karmic retribution. In the story ‘The Tale of Kieu† Nguyen Du shows that a true friend’s assistance and love can make one successful in the end and the pr ioress Giac Duyen is the perfect example of such friendship. Giac’s relationship with Kieu grows on the basis of fellow-feeling, compassion and humanity. Though in the story Giac appears as a representative of the Buddhist religious institution, she is essentially a universal humanitarian who could surpass the boundary of her religious restriction. When Kieu flees from Hoan, the tyrant wife of Thuc, and reaches the prioress’s home, she compassionately provides her with shelter and food. This humanitarian face of Giac could have been overshadowed by her religiosity, when Kieu discloses her miserable past. But it did not happen in reality. Learning about Kieu’s past suffering, sorrow and life of prostitution, she was swinging between her compassion for the distressed girl and her religious fear about Kieu’s sin in her early life. Indeed her compassion wins over her religious fear. Even though she believes that Kieu’s suffering is the result of her Ka rma in early life, she has tried to minimize her agony. She advises Kieu to walk the noble path of a prioress. She says, â€Å"The Buddha's gate is open wide to all. But things I can't foresee are what I dread. I'd sorely grieve if something struck you here. Plan far ahead and flee - you'd be unwise to sit and wait till waters reach your feet† (line 2076). Kieu the protagonist is only able to change her destiny through the kind-hearted Buddhist nun by the name of Giac Duen. And consequently, Kieu is highly induced by the way of life of Giac and meanwhile Giac’s dominance starts playing with more priority over Kieu even her lover and husband too. Kieu took very little time to win the support from Giac. Knowing Kieu’s destiny, Giac responds to Kieu for helping her by prediction and to save Kieu from her sorrow and distressed condition which she experienced a lot in her early life. Giac also helped Kieu from jealous of Miss Hoan. So, Giac is somehow appeared as a s avor for Kieu. Giac, a strong character of integrity and loyalty tries to recover Kieu from the experience of her harsh destiny with every time assistance even with the absence of Kieu, made her great one and high character and the centered women in the story. We see that Giac didn’t leave Kieu even after her successive events of her life including death of

Review of a memoir Essay Example | Topics and Well Written Essays - 1250 words

Review of a memoir - Essay Example In her previous years, she was used to eating sea slugs in summers. This was however a practice that she only did during this time in another region. Moving to other regions would teach her various ways of living with diverse culture. Encountering a change in eating diets changed her way of viewing life since they were different altogether. Meanwhile, during her stay, she found herself in a soap opera as a fearless Jiexy, who was aggressive and sexy altogether. During these acting sessions, she was exposed to a number of challenges. First, she is acting in another country where the people use a different language and have different way of life. With such prevalent situations, she was forced to cope up with the language and way of life. Though this was a hard task, she seemed to be well prepared to tackle this challenge. Secondly, she was not familiar with the culture of this place. Therefore, the change in culture would be a setback in her acting career. This was a stage where she ha d to engage with the new culture to make the possible moves that would be relevant to the soap opera in china. Though she was finding it hard to cope with the china culture, she was excellent in the acting career (DeWoskin 10). Thirdly, she had a challenge in merging the two cultures. On one hand, she had to act a role in a soap opera, which displayed the Chinese culture. ... This is similar to a person that is living a double life. People that live double lives have to make sure they make possible changes to remain relevant at any given point. Otherwise, if they do not change their way of life and culture at different points, they are not likely to remain relevant. For instance, when acting in a Chinese soap opera, the actors should display the Chinese culture and all other aspects that are closely related to the Chinese culture. Similarly, she will have to stick to the culture she has been interacting with all these rime. However, copying the other culture without becoming relevant it will not show impressive results especially to the concerned parties. Apparently, she learned the new ways of living and the different cultures in a short while and was excellent in living in between two cultures that are explicitly different (DeWoskin 11). Though she was used to the Chinese culture, there are some instances that displayed bizarre incidence. For instance, companies in the country were in large numbers while consumerisms were highly adored. In deeper insights, DeWoskin is interested on how the Chinese view foreign women. Similarly, she is interested on how Chinese men view the foreigners in their country. For instance, it is explicitly seen that there is a tendency of Chinese men seducing foreign women in the country. With such instances, it is clear that the Chinese men are in love with the outside world and would wish to be associated with such kinds. Similarly, Chinese masses would wish to see the foreigners dressed in coats with fur, shining jewelry and suggestive dresses. This is the notion that is created in China as they would wish to see foreigners that are dressed in fur coats,

Natural environment Essay Example for Free

Natural environment Essay It has been long debated the importance of nature verses nurture. It is hard to prove one from the other since it is shown for them both to play major roles in the development of a child to an adult. I believe that my personality is a combination of both nature and nurture but I think that I am +more nurtured. There are so many behaviors that I have developed from the environment I grew up. I have learnt to respect all people from being influenced at school and by my parents. I have also been trained to be responsible of things such as doing my work. I learnt that if I am not responsible and dont do my work, then I must pay bad consequences. I have also learnt from experiences that if I do what I am supposed to do, I may be rewarded for good things done. My environment has influenced me in many ways to act upon certain things automatically. Things like looking both ways before crossing the street, or other things that appear to be common sense are learnt from nurture. I have gone through many experiences in which I have learnt different lessons. These lessons have taught me how to act in my life. I know that I am very different person than my mom or my dad. I dont have very much in common with either of them. Although we do share some of the same aspects, I feel that I am more different from them than alike. I have developed the majority of my social skills from my friends and not my parents. Most of my social life revolves around my friends, who have influenced me a lot of the decisions I make and in the way I act. I dont socialize with my parents nearly as much as I do with my peers. I dont think I know my parents well enough to say if I am like them when they are around their friends or not. The nature and nurture of a person can vary greatly. Sometimes there are certain things that are hard to decide whether they are inherited or learnt. I might share some qualities with my parents, but they could just be characteristics that I learnt in my life that my parents also learnt in their lives too and were not inherited. I believe that genes indicate the potential for ones behavior and personality, and that the environment helps create the extent as to how that behavior is carried out.

Eaton :: essays research papers

The Eaton Corporation is a corporation committed to implementing and advancing the technology they use throughout the companies four-business segments Automotive, Fluid Power, Electrical, and Truck. However Eaton isn’t solely committed to the advancement and implementation of technology in the products they design and create, Eaton also works to implement technology in their everyday business practices such as Production, Sales and Marketing, and Human Resources. Production is a large part of the Eaton Corporation, â€Å"Eaton is a global leader in fluid power systems and services for industrial, mobile and aircraft equipment; electrical systems and components for power quality, distribution and control; automotive engine air management systems, power train solutions and specialty controls for performance, fuel economy and safety; and intelligent truck drive train systems for safety and fuel economy.† With Eaton’s broad range of products efficiency in the production process is extremely important to Eaton. To maximize efficiency in the production process Eaton uses the Eaton Lean Six System this system helps allow Eaton increase the performance of the company by eliminating waste, simplifying processes, reduce cycle times, and more effectively deploy resources to it’s business segments all of which work to help Eaton increase their profits. Another system Eaton uses is known as PROLaunch, this system allows Eaton to speed of the production process of its products. PROLaunch guides Eaton’s production of new products from concept to completion using a, â€Å"set of integrated processes† to help speed up the development process of Eaton’s new products. Eaton also uses technology in their approach to Sales and Marketing. Eaton has to approach Sales on an incredibly large scale, with Eaton’s sales in 2004 topping $9.8 Billion and the company selling their products to customers in over 125 countries Eaton has developed a very successful Sales strategy. By using technology such as the Internet Eaton’s vast line of products are constantly available to any potential buyers. Using the companies website www.Eaton.com the Eaton Co. allows it’s potential customers to view and access information about all of Eaton’s products and also allows those customers to make inquiries to the division of Eaton that produces those products. Eaton also uses it’s website to allow customers the opportunity of E-Business transactions giving it’s customers nearly instantaneous access to purchase products from Eaton rather than having buy the product from an Eaton supplier. Eaton also uses it’s website to help in the Marketing of their products and services.

Public Speaking Abilities of Adolf Hitler and Barack Obama Essay

Great speakers are categorized mainly on two agendas. They either reason with great aptitude and strength, or they touch on the realistic aspect of people’s daily lives and speak from the heart. Often, most speakers try to employ both techniques or mix the two on one idea. Any way an individual looks at it, the effects of public speaking is enormous. The power of speeches is often reflected in coming revolutions and revolts. Public speaking by good speakers often drives society (Osborn, 2008). They direct the vision and incite feelings into masses. They help awaken a dead public and bring about social change. Speeches by famous state leaders such Roosevelt, and their quotes such as â€Å"Ask not what the country can do for you, but what you can do for your country† spiraled the American nation out of recession and gave a sense of hope to the general public. They instill motivation, inspiration and hope into entire nations that spell positive change in society as a whole (Osborn, 2008). However, if speeches go wrong they can bring nations to collapse. Bad speeches result in loss of faith in leadership or the credibility of the speaker. Thus, the topic losses argument and drives people in the opposite direction. This can have an enormous effect on the outcome of whatever is to be achieved through a speech. Bad speeches often tilt audiences to the other side which is not desired by the speaker (Osborn, 2008). Devising good speeches: When writing speeches, authors must keep in mind the following (Osborn, 2008): 1) Analyzing the audience 2) The main purpose of the speech 3) Brainstorming 4) Outline 5) Create a conversation 6) Involve the audience 7) Delivery Though these simple factors seem common in all speeches they are often the most commonly disregarded. The first step of devising a good speech is to keep in mind the audience that you are speaking to (Osborn, 2008). A professional will not go and use technical jargon in a class of 6th graders. He will have to adjust the speech because the main emphasis is communication. To make sure communication happens in the best manner possible; analyzing the audience is the most important point of a speech. The main purpose of the speech is what the writer wishes to talk about. It could be a particular topic or subject or a social issue that he wishes to communicate to the public in some way (Osborn, 2008). Knowing what the main purpose of the speech is, the speaker clearly defines their role and boundaries. Thus, the speech is more directed and substantiated with relevant material. Brainstorming is technique used to generate ideas for a particular topic. To gather relevant information about a topic or things a speaker might be able to mention in his or her speech, brainstorming is crucial. The outline development gives the speech organizational structure. The beginning, the middle and the end of the speech are clearly defined which help the speaker deliver the speech in a directed flow rather than a haphazard manner (Osborn, 2008). This is crucial to make sure one important point in the speech is followed by another to strengthen arguments being made. Creating a conversation is often crucial in public speaking. The fact is that when you’re dealing with the public, you have to be the public (Henderson, 2007)! If the speech is to influence a segment of the population or leave an effect, having a conversation with the audience rather than simply speaking will leave a much more significant impact on the listeners (Henderson, 2007). Involving the audience is an extension of creating a conversation. By keeping the audience involved in the speech and related specific points to the relevance of the audience, speakers often employ this to gain attention (Jaffe, 2006). Similarly, rhetorical questions are asked to make the audience ponder over the point being discussed and to awaken them from their possible slumber. Finally, the delivery stage is crucial. How a person will plan the physical message, the visual message and the vocal message is essential (Zeole, 2008). The tone of voice, the level of aggression and the way the speaker speaks leaves an impact on the audience. Thus, concrete facts or those that the speaker wishes to lay emphasis on should be made in a different tone of voice then ordinary points. Similarly, the style by which a speaker speaks is also crucial to gaining attention of the audience. Without attention from the audience the basic aim of communication is in disarray (Zarefsky, 2007). Adolph Hitler: With all the negativity attached to Hitler, one thing that he accomplished quite significantly was his ability to speak. His public speaking skills managed to arose the emotions of an entire nation. He was able to accomplish what his main aim was, to gain the support of the people (Moore, 2006). Hitler used to make many pauses between his speeches. Whenever he started a speech he would always pause and give the audience time to recognize him. Thus, creating an impression on the public always (Domarus, 2007). He followed that with hand movements which are still recognized today! His ability to change the tone of his voice during speeches was incredible. He would speak silently on some issues perhaps even whisper. While on others he would yell at the top of his lungs. The rate at which he spoke was also under his control entirely. Often a time he would speak faster and other times slower to solidify his arguments. He could easily relate the speech to his audience by talking about visual concrete things such as country, land, and the people. More than just mere abstractions. His ability to make use of repetition to strengthen his points was uncanny. He would repeat the same point under different vocabulary to strengthen his arguments (Domarus, 2004). Furthermore, Hitler always spoke on specific topics. He never let the topic of the speech go broad and thus laid more emphasis and excited more feelings when the topic was a narrow one (Domarus, 2004). Finally, the eye contact which he kept with the audience kept the audience actively involved in the speech. His emotional ploys would be the focus rather than just reasoning alone. He fought a speech at a very emotional level with the audience. Barrack Obama: When we talk of Barrack Obama, we know that he won the presidential elections of America. No doubt his convincing and persuasive style of speaking had a role in his victory. To get votes you must be able to influence. Barrack Obama strengths as a speaker is clear. His first emphasis is generally on content. By stating the problem, building up the situation with detail, who is to blame, and then creating and delivery a situation shows great organizational structure of his speeches. The audience understands the message on a step by step basis (Leane, 2008). His use of repetition, metaphors, and descriptive language gain the attention of the audience significantly and helps relate the topic under discussion to the audience. Furthermore, his style of delivery is of particular importance. His ability to gain trust of the audience by being honest and straight with the audience has led to a perception about him that has developed through his delivery style (Leane, 2008). His tone of voice, the speed and the pauses he uses are quite significant in his persuasive speeches. Often when nearing an important point, Obama is seen to start speaking faster and in a louder tone (Leane, 2008). His employment of pauses between various points gives the audiences a chance to ponder over what he is exactly saying and absorb it. These factors bring about a greater intensity in his speeches. Comparison between Hitler and Obama: As clearly evident from the above two paragraphs, both speakers had certain similar qualities in terms of public speaking. 1) Both employ the use of repetition, and tone of voice changes. 2) Both describe events in a descriptive manner rather than abstract 3) Both speakers use emotions to relate to the audience 4) Managed to create a bond between themselves and the public. References: Beebe, Stephen (2005). Public Speaking: An Audience-Centered Approach. Allyn & Bacon. Domarus, Max (2004). Hitler: Speeches and Proclamations, 1932-1945–The Chronicle of a Dictatorship. Bolchazy-Carducci Publishers. Domarus, Max (2007). The Essential Hitler: Speeches and Commentary. Bolchazy-Carducci Publishers. Henderson, Roy (2007). There’s No Such Thing as Public Speaking: Make Any Presentation or Speech as Persuasive as a One-on-OneConversation. Prentice Hall Press. Jaffe, Clella (2006). Public Speaking: Concepts and Skills for a Diverse Society. Wadsworth Publishing. Leane, Shelly (2008). Say It Like Obama: The Power of Speaking with Purpose and Vision. McGraw-Hill. Moore, Sara (2006). HOW HITLER CAME TO POWER. AuthorHorse. Osborn, Michael (2008). Public Speaking. Allyn & Bacon. Zarefsky, David (2007). Public Speaking: Strategies for Success. Allyn & Bacon. Zeole, Richard (2008). The 7 Principles of Public Speaking. Skyhorse Publishing.

Debt in Australia, Monetary Policy Essay

Introduction It is imperative that the Australian households’ debt have noticeably risen over the past two decades, and is currently rated high according to international standards. The sharp increase in housing debt has been the reason for the rise in the household debt. Increased availability of housing finance, strong demand for debt from investors, and lower interest rates are the main drivers of the rising housing debt. The households’ net worth and servicing ratios will be discussed in this paper as the impacts on the higher household debt levels. The impacts of the instability in global capital markets will be discussed in this paper in relation to the housing finance market in Australia. Lastly, the implications of the rising household debt will be discussed in relation to the financial stability and monetary policy. Trends in household debt It is important to note that Australian households had a fairly stable ratio of debt to disposable income at approximately 45% during the 1980s. However, rapid rise in the ratio of debt to disposable income was recorded since 1990, with it reaching optimum of 157% in December 2007. The bulk of the increase was accounted for by the housing debt, that is, over the period, the ratio of the housing debt to disposable income rose to 134% from 31%. It was also recorded over the same period, a rise in the ratio of personal debt to disposable income to 22% from 13%. A sharp rise in the ratio of debts to assets was recorded at 17% in December 2007, from 8% in December 1989 (Wilkins & Wooden, 2009). A sharp rise in household indebtedness in a number of advanced economies has been witnessed over the last two decades. It is however, noted that the increase in household debt in Australia is pronounced. The Australia’s ratio in household debt to income was recorded as the highest in December 2007 despite Australia recording as one of the countries with the household debt lowest ratio to disposable income among advanced economies in the late 1980s. It is also imperative to point out that among advanced economies; Australia rose from the bottom position to the middle number in terms of the ratio of household debt to assets over the same period (Berry & Dalton, 2009). Housing finance market Focus on the housing finance market is emphasized in this paper because the housing debt in households’ total debt is dominant. An average of 15% in the annual growth in housing debt was recorded since 1990. In the periods, 1988-1989, 1994, and 2002-2004 strong growth in housing debt was recorded. This strong growth in the growth in housing debt was faster than the growth in the disposable income of households over the same period that stood at an average of 6% only (Berry & Dalton, 2009). Significant growth in house prices accompanied the sharp increase in the housing debt. Over the period 1987 and 1988, the house prices doubled, however, during the first half of the 1990s the house prices drifted slowly higher, with the house prices doubling more between 1997 and late 2003. Continuous increase in aggregate house prices was recorded since late 2003; however, the trend varies markedly across the country, for instance, house prices in Perth increased strongly, while the house prices in Sydney decreased over time. The boom in resources supports the varied trends in house prices across the country (Berry & Dalton, 2009). A number of factors accounts to the rising house debt in Australia over the past years, with lower interest rates accounting for high borrowing by the households whenever they take their housing loan out. This trend has been responsible for the rise in the average size of new loans, which results into the rise in the average size of outstanding loans over time. The availability of housing finance has resulted into the rise in the capacity of households to borrow finances (Wilkins & Wooden, 2009). Financial health of households It is noted that the historic sharp increase in the Australia’s disposable income in December 2007 was accounted by the strong rise in the housing debt in Australia over the past fifteen years. It was however, pointed out that only a few households had difficulties in repaying their debt obligations, despite the historic sharp increase in the housing debt in December 2007 (Berry & Dalton, 2009). Impact of the turbulence in global capital market It is significant to note that the housing finance market in Australia has suffered greatly as a result of the global capital markets’ turbulence. This is because half of the total funding for financial institutions in Australia is accounted for by the deposits. The foreign and domestic capital markets the balance in the Australian financial institutions. There has been significant rise in the mortgage rates, and significant change in the markets shares from lenders, due to this, there is limited restriction to the overall supply of housing finance (Berry & Dalton, 2009). Significant reduction in some forms of capital market funding as well as significant rise in the most of the forms of capital market funding have resulted from the turbulence in the financial market. It is however, noted that the impact of the financial market turbulence have been felt in a number of securitization markets. Securitization markets over the past decade or so, have established itself into as a significant source of funding for housing loans in Australia. In mid 2007 for example, outstanding securitization housing finance loans had accounted for 23% (Wilkins & Wooden, 2009). This was a significant rise from the mid 1990s 5% housing finance loans that were securitized. A number of loans from mortgage originators were being securitized. Institutions like credit union, regional banks, and building societies had adopted securitization of their loans since it was a cost effective way of wholesale funding (Wilkins & Wooden, 2009). The onset of the global financial turbulence in July 2007, led to significant close of the securitization market. There were significant rise prime residential mortgage-backed securities (RMBS) to 75 basis points in December 2007 from approximately 15 basis points in mid-2007. It is imperative to point out that Australia’s Residential Mortgage-Backed Securities (RMBS) accounted for the issuance of a number of Australian Asset-backed Securities (ABS) that extends on AAA-rated senior tranches (Berry & Dalton, 2009). There was significant spread in the subordinated AAA-rated tranches that increased to approximately 110 basis points from approximately 20 basis points. It is significant to point out that despite the sharp increase in the spreads, investors in Australia has never encountered losses on rated Australian RMBS, coupled with the housing market in Australia remaining healthy. The investors have become more concerned with the product itself, as discounts are attached to all the sales of securitized products. The selling of residential mortgage-backed securities (RMBS) by several structured investment vehicles (SIVs) has also created excess supply in the secondary market (Berry & Dalton, 2009). Implications for financial stability and monetary policy It significant to point out the access to credit by the household sector has greatly increased courtesy of financial innovation and deregulation. The households in Australia have become more comfortable to take loans owing to the ongoing strong performance of the economy (Berry & Dalton, 2009). Â  The balance sheets of households have remained in good health despite the significant rise in the household debt; this has resulted into significant rise in asset-value capable of offsetting the rise in debt. It is also significant to note that macroeconomic conditions in the economy are also favorable. Â   References Berry, M., & Dalton, T. (2009). Mortgage default in Australia nature, causes and social and economic impacts. Melbourne: AHURI. Wilkins, R., & Wooden, M. (2009). Household Debt In Australia: The Looming Crisis That Isn’t. Australian Economic Review , 42(3), 358-366. Â   Â  

Annotated Bib on Plastic Surgey Essays

Annotated Bib on Plastic Surgey Essays Annotated Bib on Plastic Surgey Essay Annotated Bib on Plastic Surgey Essay Colic Miller Is chief executive officer of the International Council on Active Aglow. An award- winning writer, Miller has authored more than 100 articles on aging-related issues. Millers role of leading the International Council on Active Aging gives him the credibility of knowing how fitness affects the body, as well as how aging affects both body and mind. In this article, Miller is qualified enough to make an ethical opinion, however his Image is not so strong that It would give the audience overwhelming encouragement to take his side In the argument. HIS authority as head of one of the arrest fitness and wellness associations for seniors increases his ethos. The knowledge Miller possesses concerning health and aging makes him a credible enough author to bring concern to the idea that the perfect body could be detrimental to our health. Through this credibility, Miller uses ethos to argue that modifying the body could send the wrong message to younger generations who should be focusing on Inner beauty. This source Is relevant to my research since I am focusing on plastic surgery addiction and give a solution to this problem by focusing on the true meaning of beauty. The Economist. Pots of Promise: The Beauty Business. Dynamic Argument, Deed. Robert Lam and Justine Everett. Houghton Muffling Company, 2007 This article was about all the different cosmetic companies and what they are doing to Increase profit and sales, This article shows you how much people will spend on beautifying their selves and how much people are obsessed with cosmetics. It also shows you how much people worry about how they look and how obsessed we have all become about what is on the outside rather then on the inside. Authors Justine Everett and Robert Lam tell the reader that the author of Pots of Promise: The Beauty Business Is anonymous. This description then goes on to explain that the article was pulled from The Economist, which Is a newsweekly that focuses on world events-politics, business and finance, and science- that Influence[s] decision makers such as executives, financiers, managers, and government officials (699). It is this explanation of The Economist, which gives the anonymous author credibility. His or her article was published for an educated crowd that that holds executive jobs, which makes the author reliable. This source gives some statistics that help provide Information for my research. Anonymous. lens Ana Plastic surgery. . WebMD, Inc. 2005-2007 This article is about all the teens who want to have plastic surgery. It talks about the risks involved and lets you know that Just by changing how you look you will not fix all of your problems. It also tells you the most widely occurring teenage procedures and gives a list of questions you need to ask yourself and your doctor before you go through with any procedures. WebMD. Com is a credible website. It offers credible and in-depth medical news, features, reference material, and online community orgasm. People who monitor the website are board-certified physicians, award- winning Journalists, and trained community moderators. It is this information that makes the website credible. This source also helps provide facts and statistics in conducting my research. It also gives opinions from physicians. Morgan, Elizabeth. The Complete Book of Cosmetic Surgery. New York, NY: Warner Books, c 1988. This book is a guide to procedures for head, neck, breasts, body, and legs, written by a board-certified plastic surgeon. It explains the motives of the person considering urged, criteria for selecting a surgeon, and 25 cosmetic procedures. Each report includes data on the operation and anesthesia, recovery, side effects, complications, and an honest appraisal of what the surgery can and cannot do. Jean Elizabeth Morgan, MD. PHD, is a plastic surgeon. Therefore, a credible person writes the book. Although, the book may be too broad for what I am researching but it helps in making some points about how plastic surgery is good sometimes. This book helps provide information when I want to write about the benefits of plastic surgery. Cooper, Andrea. Mirror, Mirror on the Wall, Make Me the Prettiest of Them All. Young and Modern. May 1999: 60-64. This article examines the risks and rewards of cosmetic surgery to young women. It gives statistics showing the popularity of cosmetic surgery among young women; Myths about cosmetic surgery; Post-surgery blues. Andrea Cooper is a freelance journalist and essay writer in North Carolina. Andrea is a two-time winner of the Outstanding Article Award from the American Society of Journalists and Authors. She writes to various publications including, Time, Newsweek, The New York Times, Readers Digest, Parade, National Geographic News, Salon, Entrepreneur, and Details. Her reputation among all these publications is an excellent indicator on how she is a credible source. This article will help give insight on what women would like to achieve from plastic surgery. Will they be satisfied? It also shows statistics on various subjects in plastic surgery. FL, Blue. Flesh Wounds: The Culture of Cosmetic Surgery University of California Press; New edition, 10 May 2005. Blue presents a very interesting view on the world of cosmetic surgery and its impact on the individual and society. She looks at societys fascination with body transformation and from where it may have developed. She refers to variety of media works to illustrate her ideas. Blue details the extensive research she carried out for ten KICK Ana ten ascriptions AT near serration In ten operating denatures are thorough. As a former cosmetic surgery patient herself she holds the interesting position as a critical reviewer of the practice as well as a former subject. This book presents interesting ideas that could help me in my research, although it may be broad. However, it will touch on subjects that are related to plastic surgery addiction. Plastic Surgery Research. Info, website , 2008. This website provides information on various plastic surgeries. It also gives statistics regarding plastic surgery and has information about risks and complications on each procedure page. Pictures of before and after for each procedure is also provided. The website is sponsored by a number of board certified cosmetic surgeons that are located in many states in the US. Thus, providing information from medical doc tors is sure to be reliable when conducting a research. This website will be relied on in many numbers in the research paper.

Tips For Writing Effective Middle School Essay

Tips For Writing Effective Middle School Essay Middle School Essays: Effective Research Topics Argumentative essays focus on giving the target audience back up information regarding a specified topic of discussion. It has the same characteristics as a persuasive essay since it endeavors to give explanations regarding a side of the topic you are in support of. The difference between the two lies on the fact that argumentative essays do not allow the description of personal beliefs by the essay writer, while persuasive essays emphasize on this. While writing an argumentative essay, you are required to mention the side of the topic you feel supportive of. After doing this, provide an explanation using valid reasons why you support the side. Use the counter-arguments of your perspective to create your argument. This will help you convince the reader of the credibility and value of your point of view. Several subjects are available which you may use to find a suitable approach to writing your middle school argumentative essay. As you try to pick a topic of discussion, have in mind the most interesting one you pick will give you better engagement to tackle it and write a quality paper. After you figure out the topic of discussion, provide a response to the query and back it up with at least four reasons that orient you to prefer that particular point of view. For example, put yourself in a situation that you have picked a topic from our list provided below. The topic states, â€Å"Is it an informed move for education institutions to sell fast food?† if you are against, begin your essay with â€Å"it is a uniformed move for school institutions to sell fast food to students† after this, explain to the audience using three points of argument that support your point of view. Here are some samples questions that may help you craft your own topic to write about: Is it an informed choice for sports to be coeducational? Should education institutions sell fast foods? Do you find it a good idea for your school to launch a school magazine? Do children waste so much time watching TV programs? Is it prudent to give children chores? Do you support the notion to give children more pocket money? What age limit should be approved for one to be home alone? Should sports be made a compulsory school subject? Should school bullies be awarded more disciplinary action? Do you believe adolescent and preadolescent kids can safely stroll around shopping centers without a parent or guardian? Is it prudent to award less homework for students? Are middle school attendees above the age limit where bedtime is imposed? What alterations would you impose on the student’s lunch selection? Should the government create a law where seatbelt use is mandatory on a traveling bus? Should the children who are good in sports activities be encouraged to take sports as a school subject Should kids be more attentive of the foodstuffs they eat as a way of avoiding future health issues? Should students who attend school all year long receive more vacations as a way of enhancing the process of education? Are the behaviors children express come from the influence of playing action videogames or watching TV programs? Are there any valid reasons why summer school is of help to students? Should the students be awarded less homework? You can choose any of the topics above for your argumentative essay. Each is structured to address a controversial perspective which engages the writer and reader to show their point of view. Moreover, you should explain each idea you have come up within the body paragraphs, and give reasons that support your point of view.

Taxi driver(1976) Essay Example | Topics and Well Written Essays - 1750 words

Taxi driver(1976) - Essay Example The story that is portrayed and the various themes it shows. Furthermore, a look at what the film evokes about the nation it comes from and the formal decisions that the director uses in shaping the story and its various themes. The Taxi Driver film presents a true to life portrait of what the city of New York was and the inhabitants. The film is like an art house picture depicting the events and the 1976 historical, social, political and economic activities of New York (\Taxi Driver movie). It immortalizes the city through the eyes of the Taxi driver, even though, according to the film, the view is skewed and influenced by his perspective. It showcases the city as a vastly different one from the New York that is evident today. The film is a depiction of the events that occur during the late 1970s, a period that is referred to as the era of psychological portraits in cinematic history. It is called a psychological portrait because they are a personal vision and express the creative insights of the directors and the actors in depicting their views (Corrigan and White 79). The film showcases various scenes that indicate how the New York environment may have been at the particular era. For example, during the mid-1970s, there was a dramatic increase in the number of pornographic theaters that were aptly named â€Å"adult cinemas†. Their establishment and the dramatic increase are shown in the film because the Taxi driver Travis Bickle spends some of his time there. In the beginning as he was seeking the Taxi driving employment, the person conducting the interview urges him to spend time at the adult cinemas in order to pass the time. The beginning of the sexual industry facilitated the growth of the pornographic or as they were called â€Å"adult cinemas," however, these cinemas decreased with the introduction of VCRs at

Deep Green Underwater Kite Essay Example | Topics and Well Written Essays - 1250 words

Deep Green Underwater Kite - Essay Example The use of renewable energies is one of the steps taken to reduce the negative impact on environment by reducing the potentials of pollution and its extent. There are other reasons for the rapid advancements in the technological world. The major reason for making these rapid advancements possible and available to the people is the increasing population and its demand. The overwhelming increase in the population leads to demands which are impossible to be met using the old technologies. New ways of production and manufacturing are being utilized to meet the demands of the growing population. Limited energy supply is one of the reasons we need latest technologies. Deep Green Underwater Kite is of the technologies which have recently been launched and are of great help to meet the energy demands of people without risking the environment and natural life. The innovation of Deep Green underwater Kite is associated with a Swedish company Minesto. This unique toy-like device leaps and dives in the ocean water. This toy-like device works with more power and generates as much as 800 times more energy in the water currents than it may generate in the sky. The reason for such power generation process lays in the fact that seawater 800 times denser than the air. The turbine that is attached to the kite, hence, achieves to generate more energy than it can in the air. Minesto names this device as Deep Green and claims that it is capable of generating approximately 500 kilowatts of power also in the smooth and calm sea. This new technology is supposed to boost up the business for tidal power by as much as eighty percent (Harrell 2010). The Deep green underwater Kite is a simply designed 7 ton kite turbine which catches and regenerates power taken from the ocean just like a kite works in the air. The kite-like turbine is aimed at generating approximately 18 terawatt hours of power every year. This amount of energy is ample to meet the energy demands of more or less four millio n UK houses. This technology is more appreciated for its effectively green process and provision of green electricity. The Swedish military and aircraft designing company Saab was originally aiming at producing a wind turbine but the concept changed with the idea of using seawater as it is more powerful and productive for the thought of generating energy. The kite twists to escalate the velocity in the ocean ten-fold. The most important and precious factor to consider here is the cost-effectiveness of the device. The amount of energy it generates compared to the amount spent on each Kilowatt unit it generates gives an idea of its low cost technique. It costs as low as $0.09 cents to $0.20 cents per KWh. Using this technology in today’s financially weak society may help the overly populated societies in gaining access to the demanded quantities of energy. This cost effective device is useful in order to meet the demands and satisfying the energy requirements keeping an environ mentally sound system of generating energy. These kites are, hence, cost effective in terms of design, structure and use. Once installed, they require lesser investment in maintenance of these devices (Kraemer 2009). The Deep Green Underwater Kite is an invention which is equally helpful for those who use it and for those who do not. The