FINANCIAL CRISIS, HOME MORTGAGES, CREDIT MARKETS, FINANCIAL Case Study - 1

FINANCIAL CRISIS, HOME MORTGAGES, CREDIT MARKETS, FINANCIAL INSTITUTIONS, MORAL HAZARD, ADVERSE SELECTIONS, - Case Study Example Securitization can be considered as a disruptive innovation as it drove the world economy into an all-time debauched predicament whose shattering effects are still felt to-date in America and the world over (Driffill, 2013). Securitization is a financial engineering practice where financial institutions create a pool of assets, including mortgages and loans, and resell the repackaged assets to investors who takes responsibility of the assets thereafter (Bertaut & National Bureau of Economic Research, 2011). The mushrooming of securitization saw the emergence of asset-backed security (ABS) as a common type of mortgage-backed security (MBS) and a structured investment vehicle (SIVs) which become a driving force in the financial crisis by empowering banking institutions to possess superfluous capital which could be given out as loans to prospective homeowners without clear ascertainment of their credit worthiness (Glaeser,  E.  L., & Sinai, 2013; Farmer, 2010). Eric (2010) asserts that MBS was flavored by apportioning between agency MBS, and non-agency MBS. The agency MBS were insured by the government thus resulting to no real credit risk to the investors a factor that made it effective for many organizations to offer mortgage loans to mortgage loan seekers who later painfully defaulted the loans (Manoj, 2010). Apparently, securitization endorsed the disintegration of risks. Investors and mortgage seekers could gravitate towards investments or transactions that best met their reward or risk preferences. This was consequentially backed by securitization which transformed the mortgage market to a lascivious condition. It transferred possession of mortgages from lenders to investment banks and non-bank financial institutions (Batten & Szilagyi, 2011). Noteworthy, the mortgage owners were well acquainted with information pertaining to their borrowers default probability, but securitization bestowed the obligation of offering loans on investment banks

Life Span Perspective Paper Essay Example | Topics and Well Written Essays - 500 words

Life Span Perspective Paper - Essay Example In a life-span perspective, ageing implies changes, which for its part, take many forms. For instance, we have the purely biological changes such as weakening of the muscle strength, shortness of breath, graying of the hair, wrinkling of the skin and so on. There is the incidence of human disease, particularly those of the elderly who at certain point may be diagnosed with more than one illness. Next we have the cognitive decline such as the benign forgetfulness or the onset of dementia. This also includes the changes in the social environment and thus the experiences arising from it. Bere Miesen and Gemma Jones (1997) write that a model of a life-span perspective may be characterized by type of change, individual characteristics, coping behavior, adjustment in adaptation and the experience of quality of life. (p. 32) Finally, the Darwinian concept is very important in this perspective. It banks on the idea that humans share important characteristics through heredity and this in turn becomes a variable in the whole life-span development process. For example, virtually all of us develop in similar ways at similar ages such as walking and talking at age 1. And so, the study of development from a life-span perspective is multidisciplinary involving both biological and social sciences. Human development falls into three broad domains, namely: physical development, cognitive development and psychological development. (Sugarman 2001, p. 14) There are some who include personal and social developments but the previous three roughly cover everything. Human development meanwhile is divided into 8 periods: infancy, early childhood, middle childhood, late childhood, adolescence, early adulthood, middle adulthood and late adulthood. (Sugarman, p. 56-60) Contemporary concerns regarding life-span development include the questions on the eight periods in

Preschool Music Education Essay Example for Free

Preschool Music Education Essay Introduction Teaching music to preschoolers contributes to brain development.   â€Å"The musician is constantly adjusting decisions on tempo, tone, style, rhythm, phrasing, and feeling—training the brain to become incredibly good at organizing and conducting numerous activities at once. Dedicated practice of this orchestration can have a great payoff for lifelong attention skills, intelligence, and an ability for self-knowledge and expression† (Ratey, 2001).   A group of researchers at the University of California (Irvine) conducted a study that showed that after eight months of keyboard lessons, preschoolers showed a 46% boost in their spatial reasoning (Rauscher, Shaw, Levine, Ky and Wright, 2001). Music Education Module   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The curriculum for teaching preschool music education should contain three parts: 1) Singing; 2) Active listening; and 3) Movement.   All three of these subsections should work together and build off of the skills learned during the other subsections.   The music education curriculum must be fun and engaging for the preschool children, otherwise the children will not give the music activities their full attention and will not retain the cognitive abilities that can be taught through music education.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The preschool music education curriculum needs to be focused around teaching the children songs, preferably nursery rhymes and other educational songs, which will teach the children a skill.   Incorporating movement and hand motions into each song that is taught will enhance the skills learned.   Learning to sing songs will improve the development of language acquisition, listening skills, and fine motor skills.    Songs that tell a story with hand motions such as â€Å"I’m Bringing Home a Baby Bumblebee† will improve language skills as well as fine motor skills and self expression.   Songs that specifically address a certain skill such as counting songs (1,2 Buckle My Shoe) and spelling songs (B-I-N-G-O) should be incorporated into the music curriculum as well.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The preschool music education curriculum must also include active listening to music.   Listening to music, particularly classical music, will improve listening skills, auditory discrimination, abstract reasoning, and spatial intelligence.   After the children have listened to a musical piece, the experience needs to be reinforced by a series of questions and answers.   Asking the children what kind of instruments they heard and what emotions they felt during the song will improve the abstract reasoning skills and teach the children how to evaluate and comprehend what they have heard.   Clapping through a rhythm that was in the song they just heard will teach the children about tempo and improve counting and mathematical skills. Conclusion The preschool music education curriculum needs to include all three of the subsections discussed.   If the curriculum neglects one of the subsections, important skills will be neglected.   Singing and dancing teaches preschool children language skills, fine motor skills, and self expression.   Actively listening to music, particularly classical music, improves listening skills, abstract reasoning skills, and spatial intelligence. When developing a preschool music education curriculum, the most important thing is to ensure that the curriculum is fun and engaging for the preschool children.   If the curriculum is rigid and boring, the children will lose interest and the teacher will not have their full attention.   In order for the preschool children to acquire the skills taught during music education, the children must be engaged in the curriculum.     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚      References Musically Yours, Inc.   (2007, November) Music Preludes.   Retrieved January 23, 2008 from http://www.musicpreludes.com/index.html Ratey John J., MD. A User’s Guide to the Brain. New York: Pantheon Books, 2001. Rauscher, Shaw, Levine, Ky and Wright, â€Å"Music and Spatial Task Performance: A Causal Relationship,† University of California, Irvine, 1994

The Physics of Judo Essay -- Martial Arts Judo Physics Essays

The Physics of Judo Judo is a martial art that is centered around physics. Even just the concept of throwing somebody is physics. To practice judo and not have a basic knowledge of physics is insane considering that physics is what makes judo possible. Judo is sport that consist of throws, take downs and over all control. Judo without physics is like have a sandwich with just bread, you don’t get much out of it. To understand how physics comes into play with judo we must start with Newton’s laws of motion. â€Å"Newton’s first law: law of inertia, a net or unbalanced force is needed to change the state of motion of and object. In a judo match, two players try to throw each other by first off-balancing the other player, the fitting their body into a position underneath their opponent for a throw, and finally throwing their opponent squarely on their back. The key to throwing the other player in the off-balance. Without first off-balancing your opponent, your chance of successfully completing a throw are slim. You’re also asking to be countered if you don’t off-balance first.†(1) â€Å"The first law of motion is important if you want to successfully throw your opponent in a match. For instance, suppose your opponent makes a move to his right in order to make you move to you left. In the instance that you are moving, you’re temporarily off-balanced. Rather than letting your opponent keep control of the situation you and take advantage of his motion by using Newton’s first law. In this scenario, the statement â€Å"an object in motion will stay in motion† applies. As he is in motion you quickly turn into your opponent enabling you to lift him up with your hips and throw him.†(1) â€Å"Newton’s second law: F=ma, the acceleration of a b... ...other example would be be if he took a step larger than he normally would. While his foot is still in motion, you sweep his foot in the direction of his advance. In doing this, he will drop because gravity will be acting directly on him in downwards direction.†(2) Judo is a martial art that relies on physics to achieve its goals and without physics it would not exist. Everything that judo does consists of physics, such as getting your opponent off-balance, using their momentum to get your opponent moving and using gravity to pull them to the ground. Work Cited 1.Internet Source: http://members.tripod.com/~HappyClould/newton.html 2.Internet Source: http://members.tripod.com/~HappyClould/gravity.html 3.Internet Source: http://members.tripod.com/~HappyClould/momentum.html 4.Physics a world view, fourth edition. Kirkpatrick and Wheeler: copyright 2001

Globalization

Energy and Matter Exchange in the Biosphere Project: Building a Self-sustaining Aquatic Ecosystem Question: How can you design a model aquatic ecosystem (a biosphere) that can survive as a self-regulating system In a completely sealed container? Section A – to be completed as part of a group Part 1: Proposal Before you can build your ecosystem, you must first create a detailed proposal outlining your intended design. This should include: A list of factors that you think will influence the success or failure of your ecosystem.How will you attempt to intro each of these factors? Which ones are out of your control? A list of required materials A detailed description of how each of the materials will be used, and why you have selected specific materials and/or organisms A labeled sketch of your aquatic ecosystem Your proposal should indicate that you have done sufficient research to support your design. A minimum of three references are required, and must be cited correctly.Date D ue: Part 2: Building your Ecosystem According to your design specifications, construct your aquatic ecosystem and choose our ecosystem's location within the school (your teacher will Inform you of available locations – choose wisely) Part 3: Journal Entries and Observations Throughout this project from the initial planning day to completion, your group should complete a Journal entry in Model each time that you meet. The entries should record your topics of discussion, actions, and future plans.Once your ecosystem Is self-sustaining, you will need to make observations of your ecosystem dally for two weeks, and twice weekly thereafter. Observations should Include data such as Include, species counts, ecosystem temperature and appearance and any changes that are occurring In your ecosystem. These observations should be recorded in an organized manner (a table) within your Section B – to be completed individually Part 4: Analysis Using a method of your choosing (poster, P erez, written paper, another method discussed with your instructor), show your understanding of each of the following: 1 . ) What atrophic levels are represented in your ecosystem? What roles (producers etc) are present? B) If this were a natural ecosystem, what other types of organisms might you expect to see? What atrophic levels might they represent? Show your understanding with 3-4 possible food chains or a food web. 2. How is energy is transferred within your ecosystem? 3. Represent your ecosystem with a pyramid of numbers, of energy, or of biomass. What were your reasons for choosing the pyramid that you did? 4. What biochemical cycles are represented in your ecosystem?Represent them visually. . What factors affected the productivity of your ecosystem? Without opening the bottle, how could you make your ecosystem more productive? Would this be a good thing for the self-sustainability of your ecosystem? Why or why not? 6. How successful was your biosphere overall? What changes would you make to your biosphere if you were to have the chance to perform this experiment again? Assessment: Your work on this project will be evaluated by the rubrics below: Section A (group work) rubric: Section B (individual work) rubric:

The Roles and Future of Political Parties in America Essay

When George Washington left office, he warned the nation about political parties fearing they were dangerous to the way government should function. Despite his warning, political parties developed and changed American politics forever. By definition, a political party is a group of office holders, candidates, activists, and voters who identify with a group label and seek to elect to public office individuals who run under that label (OConnor and Sabato 437). The creation of political parties can be traced back to the differing views of Thomas Jefferson and Alexander Hamilton while they served in Washingtons cabinet. Jeffersons Democratic-Republican counterpart today is the Democratic Party while Hamiltons Federalists are similar to†¦show more content†¦Jefferson believed in a strict interpretation of the Constitution while Hamilton believed in its loose interpretation. A classic example of this was the issue of the first US Bank and whether it was constitutional or not. The Era of Good Feelings (1817-1825) resulted in party politics becoming very minute at the national level since most people were assumed to be Democratic-Republicans. In reality though, at the state level parties continued to develop (OConnor and Sabato 438). In addition, by the 1820s all the states except South Carolina began allowing the popular election of electoral college members. This action further increased the importance of attracting people to join a party since it was in the partys best interests to encourage people to join so that respective candidates could win elections (OConnor and Sabato 438). In 1832 the nations first presidential nominating convention was done by the Democratic Party. Unfortunately, this actually weakened the role of political parties since one of the most important duties of a party was to select a presidential candidate. Similarly, direct primaries further weakened the role of political parties. In the 1870s as large numbers of immigrants flooded into the US, parties competed for their support. This resulted in the creation of machines which recruited people (mostly new immigrants) to gain votes inShow MoreRelatedPoltical Factionalism: Dividing the People Essay1556 Words   |  7 PagesPolitical factions have played a fundamental role in shaping governments here and around the world in history and will continue to influence in the future. Factions divide a government based on different beliefs of key issue in policies, such as spending and warfare. Political factions are both beneficial to a society and detrimental. A political party is â€Å"A group organized for the purpose of achieving and exercising power within a political system,† (Gwinn 960). 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U.s. Department Of Homeland Security Essay - 778 Words

The U.S. Department of Homeland Security (DHS) issued a proposed rule, on December 30, 2015, entitled Retention of EB1, EB2, and EB3 Immigrant Workers and Program Improvements Affecting High-Skilled Nonimmigrant Workers. Included in the proposed rule is the long-awaited provision for the ability to obtain an employment authorization document (EAD) based on an approved form I-140, employer petition. Unfortunately, eligibility for this immigration benefit under the proposal is highly restrictive and therefore will aid a far narrower group of foreign national workers than had been hoped. Background on I-140 EAD Rule The proposed rule includes a discussion that acknowledges the problems created by the lack of employment flexibility in the current immigration system. Accordingly, the I-140 EAD rule would apply to qualifying beneficiaries of approved I-140 petitions who hold valid E-3, H1B, H1B1, O-1, or L-1 status. However, as explained below, the qualification requirements for the I-140 EAD under the proposal, as drafted, would do little, if anything, to help the vast majority of highly skilled immigrant workers. The DHS regards the I-140 EAD option as a stop-gap measure for retaining employment authorization for a limited period. Compelling Circumstances Requirement One factor that will severely reduce eligibility for the I-140 EAD is that, to qualify, the applicant must demonstrate the existence of compelling circumstances that justify an independent grant ofShow MoreRelatedU.s. Department Of Homeland Security1668 Words   |  7 Pages1. Purpose Among one of the missions of The U.S. Department of Homeland Security is to protect and preserve the security of the Cyberspace in the country. 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The White House, the federal government and the Congress joined together to establish it. On September 20, 2001, President George W. Bush issued an executive order 13228 to establish an Office of Homeland Security within the White House and assigning the Governor of Pennsylvania, Tom Ridge as its Director (Bullock, Haddow, Coppola, 2013, p. 4). Ever since, the United States (U.S.) Department of HomelandRead MoreHomeland Security And Homeland Defense1390 Words   |  6 Pages Many people think homeland security and homeland defense are the same thing, but that is incorrect. Both have played a role in keeping America safe, but after 9/11 that role expanded greatly. The U.S. was determined to prevent another catastrophic attack from unfolding while searching the globe for those responsible. In a world constantly evolving, our enemies and their tactics evolve with it. To effectively combat the incredible amount of threats America faces, many federal entities and mission