Gender Stereotyping Generates Identity Confusion In Contemporary Australia

Gender Stereotyping Generates Identity Confusion In Contemporary Australia Gender is a mixture of sexual divergence, sociological concerns and human behaviors such as being masculine or feminine. Gender identity refers to communally accustomed characteristics or conventional behaviors.We are born as Male or Female, though we learn to be masculine or feminine. (Foucault). Contemporary Australian society has developed to be a great deal more nonchalant attitude about gender roles, although there are, however, stereotypes that people uphold which creates identity confusion. This argument will be discussed below.Gender identity is taught through gender socialization. There are six key foundations of gender socialization recognized by Wearing (1996) they are; “family, peers, media, education, leisure and employment. The customary “masculine stereotype includes strength, dominance, independence and insensitivity” (Avery and Baker 1990, Psychology at Work, Prentice Hall). The feminine stereotype includes male dependency modesty, sincerity, and emotiona l expression. Barky (1988) argues that femininity and masculinity are essential elements to who one is, and brings meaning to ones life.English: Gender identity law Espaà ±ol: Ley de iden...She argues that those who do not conform to the ‘norm will find themselves isolated from there peers. In contrast French (1999) argues that boys are willing to change and establish behaviors that are against the stereotypes formed, in order to establish relationships with their peers.Children are taught from the moment of birth appropriate behavior for their gender. For example boys are applauded for rough play and girls are often praised on looks. Children, therefore, learn to differentiate on suitable behaviors and thus form a gender identity. Barsky claims that Australians fall into gender roles, which are almost impossible to overcome. If one chooses to be dissimilar in behavior they excluded and incapable to develop relationships within society and thus lead an unsuccessful life. French however, through his studies, proved that through teaching boys that it is alright to be sensitive and...

Free Essays on Evolution Vs. Creation

03-03-02 Evolution vs. Creation. it has been a widely controversial issue widespread over the United States. We have a right as students and as parents to be taught creation and have creation be taught to our children if that is what we choose. Most of us did not have a choice in grade school to be taught creation in our Biology classes. We had to sit through being taught that evolution, (as a fact), was the way we came about, which could easily confuse a child because at home and at the church that some parents took their children to taught them creation. Shouldn’t we have the right for cirricullium to also include creation? I am now old enough to realize that I do not have to believe what my College Biology Professor teaches about evolution, but that does mean that I have to like it. I remember being in my high school biology class, and when we got to the chapter on evolution, I did not want to pay any attention to it because I did not believe in it. It is different being a child who is very impressionable, to be in an elementary Biology class and the teacher is teaching that we all came from monkeys, but offers no other explanation of how we got here when parents are teaching them at home something completely different. Parents have the right for their children to be taught creation if that is what they choose. It is the parents who agree with creation that also pay taxes that go toward school funding. According to David Greising of Business Week; nearly half of all Americans reject Darwins theory evolution, so that would be half of the tax payers also. Some states have already started a growing trend of teaching other theories. According to Michael Lemorick of New York TIMES, the school board of Hall County Georgia ruled that teachers must put forward a variety of theories on the origin of life, not just evolution. Started in fall of 1996, Alabamas text books must include a disclaimer inserted, stating that evolution is a ï ¿ ½... Free Essays on Evolution Vs. Creation Free Essays on Evolution Vs. Creation 03-03-02 Evolution vs. Creation. it has been a widely controversial issue widespread over the United States. We have a right as students and as parents to be taught creation and have creation be taught to our children if that is what we choose. Most of us did not have a choice in grade school to be taught creation in our Biology classes. We had to sit through being taught that evolution, (as a fact), was the way we came about, which could easily confuse a child because at home and at the church that some parents took their children to taught them creation. Shouldn’t we have the right for cirricullium to also include creation? I am now old enough to realize that I do not have to believe what my College Biology Professor teaches about evolution, but that does mean that I have to like it. I remember being in my high school biology class, and when we got to the chapter on evolution, I did not want to pay any attention to it because I did not believe in it. It is different being a child who is very impressionable, to be in an elementary Biology class and the teacher is teaching that we all came from monkeys, but offers no other explanation of how we got here when parents are teaching them at home something completely different. Parents have the right for their children to be taught creation if that is what they choose. It is the parents who agree with creation that also pay taxes that go toward school funding. According to David Greising of Business Week; nearly half of all Americans reject Darwins theory evolution, so that would be half of the tax payers also. Some states have already started a growing trend of teaching other theories. According to Michael Lemorick of New York TIMES, the school board of Hall County Georgia ruled that teachers must put forward a variety of theories on the origin of life, not just evolution. Started in fall of 1996, Alabamas text books must include a disclaimer inserted, stating that evolution is a ï ¿ ½...

Psychotherapy for Immigrants and Refugees Term Paper

Psychotherapy for Immigrants and Refugees - Term Paper Example Social workers and psychotherapists have a duty to respond to the needs of each of these immigrants and refugees in order to lessen their burden. Social training skills and psychotherapy support go a long way in ensuring that this group of people have an easy transition from the lives that they are used to their adopted lives (Pumariega, Rothe and Pumariega, 2005). One of the major challenges that face psychotherapy for the immigrants and psychotherapists is communication problems. In the US, many of the refugees who come to the country hardly ever know English, making communication a daunting task (Balgopal, 2000). This lack of clear communication between the psychotherapists and the immigrants makes it hard for the professional counselors to help the immigrants cope with their new life. Without proper communication channels, it becomes hard to understand the needs, fears and expectations of the immigrants. However in some instances, there are some immigrants who and understand mult iple languages, including the language spoken in the host country. This makes it possible for the psychotherapists to have them as translators. Although this is better than not communicating at all, it has its limitations. The translator may not put the message across as it is supposed to be, hence meaning might be lost between the psychotherapist and the immigrant that he is supposed to be helping (Fong, 2004). Another challenge that immigrants, refugees and psychotherapists normally face is the problem of cultural differences. Concepts of psychotherapy for immigrants and refugees emphasizes on the importance of understanding the various cultures involved (Ryan, 1992). However, doing so is not very easy as most people are inclined to think in terms of their own cultures and in total disregard of the other person’s culture. In many cases psychotherapists do not have any idea of how to deal with all the different cultures that they face in their line of work. The immigrants th emselves are also mostly adamant to let go of their worldview in support of another new one. The ensuing conflict that results form cultural misunderstandings may impact negatively on the work of social psychotherapists (Corey, 2009). The psychotherapy process for the immigrant might seem like a very long and time consuming activity, and this impacts negatively on what the psychotherapists are trying to achieve. Many immigrants and refugees normally flee from their own countries of origin to new ones in search of a better life (Chang-Muy and Congress, 2009). If anything comes between them and the attainment of their new status, they are bound to consider it a waste of time. Acculturation and integration are hardly some the things that come top on the immigrants’ priority lists. Getting them to understand the importance of psychotherapy to help them fit in may be difficult and some of them might even resist any attempt to help them adopt smoothly into their new lives (Pumarieg a, Rothe and Pumariega, 2005). Psychotherapists need to be given enough training before dealing with immigrants and refugees. They should be trained on cross-cultural communication and acceptance as it plays a big role in how successful any psychotherapy process is. There is need for the development of psychotherapy and counseling techniques that should focus on skills that are influential to the integration, assimilation and acculturation of immigrants and refugees (Pumariega, Rothe and Pumariega, 2005). Training programs for counselors should include skill development for the incorporation of the family and/or the

Seasory Perceptions Term Paper Example | Topics and Well Written Essays - 750 words

Seasory Perceptions - Term Paper Example The nature has laid down this error free network of neurons in such a way that there is no reason left why we should not believe in the accuracy of our sensory perceptions. (2) The law of size constancy is another reason why sensory information is always correct. Even if the visual angle of the object changes, its size as perceived by our sense of sight always remains the same. Visual angle is the size of that inverted image that is formed on the retina of the eye by the light reflected from the object. This perception of an object size even after a change in its visual angle is accurate enough even in an infant of a few weeks. (3) Human ear is able to perceive sounds that are as deep as 16 cycles per second and as high in pitch as 28,000 cycles per second. â€Å"Some people have "perfect pitch", which is the ability to map a tone precisely on the musical scale without reference to an external standard† (Zamora, 2006). This makes us believe that sensory perception is very accu rate. Factors contributing to the accuracy of sensory data The biggest factor that contributes to the accuracy of the sensory data is Nature itself. Nature has provided man with best and perfect tools like eye for sight, nose for smell, ears for hearing, tongue to taste, and fingers and skin to sense touch. These tools and their senses are so perfect that nobody can dare to challenge the accuracy of these. There is nothing compatible to Nature. Other factors that contribute to the accuracy of sensory data perception involve genetics obviously. Genes tend to pass on traits from one generation to the next. It is seen that individuals are different from each other because of their genetic makeup granted to them by their parents. Some can perceive information in a better way than others. This is because their genetic traits carry such information in them that help those individuals to perceive and think in a better way. Also, the accuracy of sensory data depends upon the correctness of sensory organs too. If there is a fault in the eye like â€Å"certain corneal injuries† (Miller, 2006, p.54), the vision is disturbed. If an ear is faulty, hearing is affected. This is the case with all the senses. Thus, the accuracy of sensory information also depends on the accuracy of the sensory organs. Roles of â€Å"nature† and â€Å"nurture† in the interpretation and evaluation of sensory data Sleeper and Chudler (2007, p.14) assert that â€Å"nature refers to skills humans are born with, and nurture refers to skills humans learn.† Every human being has some inborn or hereditary qualities that are passed over to him through genes; but, there are a lot of other qualities that he learns over time through knowledge and experience. Some researchers support the argument that nature is responsible for the makeup of an individual’s behavioral patterns which help him perceive, interpret and analyze sensory data. Opponents of this approach argue that this interpretation of sensory information has nothing to do with genes because a human being and his sensory perception of knowledge can be modified into whatever kind the nurturer wants him to grow into. We believe that both perspectives are correct. As stated earlier, genes tend to gift a person such traits that help him to use his sensory organs in the best way. Also, a person’s sensory interpretation can be improved through artificial ways like training sessions,

Social Media Is Retarding Our Communication Skills Essay Example for Free

Social Media Is Retarding Our Communication Skills Essay Social Media is Retarding our Communication Skills According to Cara Pring, writer and author of thesocialskinny. com, as of May, 2012, 62% of adults use some form of social media. If you observe any post secondary classroom before instruction begins, you’ll see the majority of students engrossed in some type of social media. We have become more comfortable engaging in the digital world than we are with the people right in front of us. Social media has allowed us to become more connected yet, potentially, more disconnected than ever before. Social media is creating a generation of â€Å"over-sharers†. This need to over share can also create a dangerous environment. We have become very comfortable telling the world things, which in years past, would have been considered private information. Facebook allows you to check in at a destination or share vacation photos in real time. While this need to over share can seem harmless, we are unwittingly telling sinister people that we are not home or maybe that we are home alone. We are slowly losing our ability to determine what information to keep private and what information to share. Social media is creating a false sense of connection and an atmosphere of friendship. According to Cara Pring, in 2012 Facebook had 845 million monthly active users and there was an average of 750 tweets made per second. We are doing a lot of communicating but are we really saying anything of value. The more â€Å"friends or followers† a person has the more popular they may feel. Unfortunately popularity does not equate to friendship. Social media only requires us to have surface relationships and does not require meaningful conversation. True friendship requires investing in a relationship through quality time with open and honest face-to-face communication. As a society we have come to value frequent communication rather than meaningful conversation. In an article written by Susan per Danko for Forbes magazine, about 7% of communication is based strictly on words while the other 93% is based on nonverbal communication, also known as body language. The words â€Å"I’m fine† may not always mean that everything is okay. Having the ability to hear and observe non-verbal cues allows you to understand more clearly the meaning behind the words. An email, text message or tweet can never really replace a telephone or face-to-face conversation that allows you to receive these nonverbal cues. Taking the time to build relationships through meaningful conversation will create friendships for lifetime instead of just acquaintances for today. Social media has created a generation with an addiction to over sharing, a need for popularity and a desire for constant communication. This ability to interact with other people 24/7 has driven us to simply share information rather than requiring us to develop relationships. We have moved away from social gatherings with face-to-face conversations in lieu of chat rooms and instant messaging. I do not look forward to the day when we will never have to physically interact with another human being.

Steganography :: Essays Papers

Steganography Introduction to Steganography Codes have been around for centuries ranging from wax, invisible ink, Morse code, the Enigma used by the Germans during World War II and now steganographic. Steganography is the latest form to insidiously hide information over the Internet without a trace of a file being altered. You are able to hide messages within images, voice or music. Steganography is an ancient method of hiding messages. Today messages are hidden in images and music. Steganography can be traced back to the ancient Greek who would write messages on tablets and cover them in wax. This made the tablets look blank and unsuspicious (Kolata, F4). Citizens of ancient civilizations would tattoo messages on their shaved heads. They would then let their hair grown in and travel across enemy lines to deliver the message (Seper, G1). During World War II the Allies placed a ban on flower deliveries with dates, crossword puzzles and even report cards (Kolata, F4) for fear of a message being hidden with in. Steganographers fi rst alter their data by using encryption and then place the image into a pre-select image. Steganographers look for a piece of code that would be the least significant and look the least altered to the human eye (Kolata, F4), being as inconspicuousness and random as possible. This makes the messages undetectable unless you knew that there is a message hidden and you were able to crack the code. Hacking and Unhacking Hackers and terrorists have been using this form of technology for years. The United States governmental officials had suspected an attack on the United States for a period of time and thought the information to be hidden using steganography. Anyone can use and get access to steganographic materials. It's easy to download on numerous sights and no software is required. It's an easy and cheap way to keep information secure and undetectable. The number of steganography sites has doubled in the past two years (Kolata, F4). The United States government is also trying to place restrictions on encryption methods to prevent another catastrophic attack in the world such as the World Trade Center attacks. By having access to a private key the government would have unlimited access to secure information and crack codes all for safety reasons (USA Today). A " private key" is needed to decode any steganographic messages. Images are made up from a combination of an abundant of pixels (tiny dots).

Grow a business: United Airlines Essay

Introduction Today we live in a global community as global citizens where we have become increasingly conscious about sharing the planet with people from other cultures and backgrounds. Not only can we use information technologies to e-mail, phone or fax friends, family and colleagues in other parts of the world, we can also use reliable and regular travel links to visit them, covering vast distances in a matter of hours. Whereas in the past travelling by air was, for many people, an experience more often than not associated with an annual family holiday, today air travel has become a way of life both for business and leisure. This case study focuses upon how United Airlines uses customers’ motivations for different types of services to segment the market and improve its competitiveness. In a service-based industry, customers and the services they require are at the centre of any marketing strategy. Besides offering convenient scheduling throughout its domestic and international routes, United seeks to attract high-yield customers and to earn their preference and loyalty. It has to compete with a range of other carriers across all routes and must decide how it is going to compete. For example, more frequent services, more destinations, more comfortable seating, superior food, lower prices etc. Managers at United Airlines constantly monitor competitor activity in order to maintain its market position whether through prices, schedules or route networks. Although airline travel experienced consistent growth since 1991, its business environment is susceptible to shock events. National governments, which may limit access to certain routes i.e. between Denver and Heathrow, where the Bermuda 2 agreement between the USA and the UK limits the number of carriers. With the help of questionnaires, United Airlines classifies its customers by their motivations. For example, some customers choose United Airlines because of price, while others choose the airline because of schedules, frequent flyer programmes or other forms of service. For United Airlines, successful segmentation enables targeting to take place. Learning outcomes: As a result of carefully reading this case study, students should be  able to: -provide a brief understanding of the notion of global citizenship -learn about the importance of customer service in targeting customers within a service-based industry -understand the principles and practices of market segmentation as well as the operation of a segmentation base -relate process and practices of segmentation to a large service-based business   understand the service life-cycle. Today we live in a global community as global citizens where we have become increasingly conscious about sharing the planet with people from other   cultures and backgrounds. In this global community where so many technologies are shared, distances and time barriers have shrunk. Not only can we use information technologies to e-mail, phone or fax friends, family and colleagues in other parts of the world, we can also use reliable and regular travel links to visit them, covering vast distances in a matter of hours. Whereas in the past travelling by air was, for many people, an experience more often than not associated with an annual family holiday, today air travel has become a way of life both for business and leisure. One frequently quoted estimate is that demand for air travel will double in the next 20 years. As a result more and more people do not just need regular air travel, but also the type of travel that meets their particular needs best. For example, unlike the manufacture of tangible goods such as shampoo or bread that have clear uses, providing travel opportunities is more sophisticated as it involves providing customer service to match the expectations of travel users. This case study focuses upon how United Airlines uses customers’ motivations for different types of services to segment the market and improve its competitiveness. United Airlines was formed in 1927 from four airlines – Boeing Airplane Company National Air Transport, Varney and Pacific Air Transport. From its roots as a USA domestic carrier, United Airlines expanded into international routes to become the world’s second largest air carrier. With hubs in Chicago, Denver, Los Angeles, San Francisco, Washington D.C. and key international gateways in Tokyo, London, Frankfurt, Miami and Toronto, United flies to 117 destinations in 26 countries. These schedules are obviously subject to change. United employs more than 80,000 people worldwide and carries more than 210,000 passengers every day. Its customers  have access to more than 729 destinations around the world through Star Alliance, the leading global airline network. By offering a range of customer-focused products and services, United has become an industry innovator. In a service-based industry, customers and the services they require are at the centre of any marketing strategy .Besides offering convenient scheduling throughout its domestic and international routes, United seeks to attract high-yield customers and to earn their preference and loyalty. It does this by providing a comprehensive network and an attractive frequent-flyer programme with enhanced product/service offerings. A company’s marketing environment can be complex. It includes opportunities that could enhance a business as well as threats from outside the organisation that affect the ability of managers to develop and maintain relationships with customers. United Airlines operates in a competitive market place.It has to compete with a range of other carriers across all routes and must decide how it is going to compete. For example, more frequent services, more destinations, more comfortable seating, superior food, lower prices etc. To compete successfully, United Airlines must provide its customers with greater value and satisfaction than its competitors. This involves finding out what aspects of service most matter to customers and then positioning.its services strongly in those service aspects. Managers at United Airlines constantly monitor competitor activity in order to maintain its market position, whether through prices, schedules or route networks. Although airline travel experienced consistent growth since 1991, its business environment is susceptible to shock events. The events of 11 September 2001 led to a decline in air travel for both business and pleasure. This decline is likely to be temporary, but it has had a huge impact upon airlines like United. Major airlines carry huge fixed costs. Faced with excess capacity, they have had to respond quickly in order to remain profitable. Airline operations are also affected by a number of regulatory bodies such as: * Aviation authorities that monitor maintenance, safety and standards. * The Air Transport Users Council, which promotes the wider interests of passengers. * National governments, which may limit access to certain routes i.e. between Denver and Heathrow, where the Bermuda 2 agreement between the USA and the UK limits the number of carriers. * Office of Fair Trading, which investigates the desirability of potential links between airlines. e.g. between bmi and United Airlines. Within markets, not all customers are the same – they have different tastes and want different things. As a result, particular markets can usually be further divided into discrete segments.Each group consists of people with similar needs and requirements. The organisation then develops strategies that are closely aimed at satisfying each customer group. This process is known as market segmentation. Through segmentation, United Airlines can identify market opportunities and meet it’s marketing objective.Segmentation gives an airline a better understanding of its customers, the services they require, where and when they want those services and how they would prefer to pay for them. United Airlines segments its market so that it can: * identify consumer needs and the proportion of customers who have those needs * develop products and prices to meet these needs * target communications at customers within each segment * allocate funds to support and develop each market opportunity. Market segmentation therefore enables United Airlines to maximise the efficiency of its marketing efforts by moving the company to use a different strategy for each market segment. Segmentation involves dividing up a whole market so that products and services can then be developed for each part of the market. Some companies divide up a market geographically, while others divide markets according to demographic details such as age, gender or occupation. The criteria used to divide the market is known as the marketing base.. United Airlines uses a form of psychographic segmentation to divide up the market for its services. This involves identifying the social class, lifestyles, opinions, interests, behaviour and attitudes of customers. Modern communication systems play a major part in this information-gathering exercise. With the help of questionnaires, United Airlines classifies its customers by their motivations. For example, some customers choose United Airlines because of price, while others choose the airline because of schedules, frequent flyer programmes or other forms of service. For United Airlines, successful segmentation enables targeting to take place. Targeting provides the focus for the activities of the business. It enables promotions and services to be aimed only at those who are most likely to respond positively to them. Passengers are communicated with through email which is becoming a focus for closely target marketing. The United Airlines business model can be compared to the classic 80:20 rule in Pareto’s Analysis. Based on experience of the airline industry, the model assumes that, for airlines offering a high level of service, 80of profit comes from 20of customers. The profit-generating customers are the ones who are prepared to pay a premium price for a premium service. They are the ones that the airline most needs to attract. There are clear differences between domestic segments and global segments. For example, international segments might differ by hours rather than  minutes in the US, and the cost of domestic travel is also significantly lower. In global segments United Airlines identified nine motivational segment profiles. These are: * Global executives: face frequent business travel and enjoy it because of the high level of service. * Schedule optimizers: must reach their destination by a certain time and select their flights accordingly. * Corporate troopers: use an airline and a class of travel that has been chosen for them by their company * Mile accumulators: go out of their way to take flights that will build up their air miles entitlement. * Reluctant travellers: do not enjoy travel and look for services that will make the experience bearable e.g. special privileges and frequent flyer programmes. * Tour takers: want everything arranged for them. * Quality vacationers: treat the travel as part of the holiday experience and so fly with carriers that provide superior services. * Travel seekers: love to travel and seek out new experiences. They want travel to be comfortable. * Frugal flyers: seek out the lowest cost carriers, but still expect their flight experience to be a good one. Having identified these segments, United Airlines had to decide on which ones to concentrate. One key factor was the potential of each sector to generate not only revenue but also profit. In some segments, such as global executives, the customer profile was clear-cut regarding who they were and  what they required so compiling a package of services for them was comparatively straightforward. However, some segments were less responsive to key benefits and it proved harder to identify precisely what they were most looking for. With global executives as the target segments the airline also developed packages for schedule optimizers, mile accumulators, travel seekers, corporate troopers and quality vacationers. Meeting customer needs In an industry in which the service provided is a major form of competition, the most successful airlines will be those who most accurately identify what different segments of their customer base want and are willing to pay for, and then provide it, usually within one aircraft. The end product is complex. For example, United Economy International provides services such as multi-course meals based upon consultation with celebrity chefs, brands name beverages, multi-lingual flight attendants, Mileage Plus ¨ programmes and entertainment systems. The services offered by United Business International and United First International include built-in entertainment centres and a greater amount of private space. In general, depending on the size of the company market position service providers can modify their offer more quickly than manufacturers can alter their products. United Airlines’ ability to fine-tune its services rapidly in response to changing customer needs enables it to retain its market position. Growth strategies also depend on a capacity for ‘rapid response’. Service adjustments may involve, for example: * expanding the range of services for some segments * modifying how a service is delivered * re-repositioning services in chosen segments * differentiating services even further from those of competitors * finding untapped markets for services. Like the product life cycle the service life-cycle needs constant injections of life to extend the growth phase and increase the profitability of the organization. Conclusion United Airlines recognizes that airlines need to be able to respond rapidly to changing customer requirements in what is a complex service industry. The company understands the role of technology in enabling it to amass the data it requires about customer requirements. In a heavily regulated and increasingly competitive market place with good prospects for long term growth, United Airlines successfully uses market segmentation to target distinct customer groups from whom growth opportunities can be developed

Dingoes

NAME: _______________________________________ Persuasive Unit Packet In this persuasive essay you will persuade your reader which of the following inventions is most important (is the most valuable to mankind): 1. Electricity – from the light bulb to the computer 2. Writing – the printing press, books, and literacy 3. Immunization – vaccinations against disease 4. Modern Plumbing – the sink, toilet, shower You will be writing a five paragraph essay persuading your reader to think like you. In this packet are the tools that will lead you to write persuasively.This will be due at various times and must be submitted with your final draft. Write in the due dates below as your teacher tells you: * Rough draft to the INTRODUCTORY PARAGRAPH due * Rough draft to the BODY PARAGRAPH 1 & 2 due * Rough draft to the COUNTER PARAGRAPH due * Rough draft of CONCLUDING PARAGRAPH due * PEER EDITED ROUGH DRAFT due * FINAL, TYPED DRAFT DUE ON Introductory Paragraph Worksheet In the space below write your opinion on which invention you think is the most important. Now, provide six bullets as to why it’s the most important: * * * * * Now combine these thoughts into a rough draft of the thesis: is the invention because (topic)(adjective) (reason #1/body 1) and (reason #2/body 2) Attention Grabber/Active Research An effective persuasive essay includes a hook or attention grabber such as: * Giving some interesting information about your topic * Ask a thought-provoking question * Quote someone knowledgeable about your topic * Share an experience In order to do these, you must research your topic. Chart your research findings below: Fact| Source (website/book)| | | Quote| | Question| |Choosing three of the approaches above, and your research, develop each one into an attention getter: 1. 2. 3. Next, have a peer review these three and have him/her star and initial which one they like best. Introductory Paragraph Rough Draft Now, combine your attention gr abber and thesis and write a rough introductory paragraph. (use the example paragraph on the bottom as a model) Introductory Paragraph Example 1: Last year, our neighbors got a dingo. As a puppy, this Australian wild dog was very friendly. By the time it was six months old, though, the dingo was big and mean.After it attacked our dog, Animal control had to take the dingo away. What if our neighbors buy a baby crocodile next? Exotic pets might be interesting, but they can also cause a lot of trouble. People should think carefully before buying unusual pets because they do not always consider how it grows, they get tired of them, and the pets can even carry exotic diseases. (Write Source, â€Å"Avoiding Exotic Pets† p. 225) THERE IS ANOTHER EXAMPLE OF AN INTRODUCTORY PARAGRAPH ON THE NEXT PAGE Introductory Paragraph Example 2: The final bell rings. It’s the last day of school, and summer has finally come!For America’s students summer vacation means two and a half months without school, but recently many people are asking if this two and a half month break might be a factor in America’s declining education. In his latest interviews, President Obama has spoken about his plan to improve education in America. He has discussed the decline in the education system, and voiced concerns about the ability of American students to remain competitive with nations like Japan. While Obama has discussed changes for several areas of education, he has also proposed lengthening the school year.Although extending the school year is not a wildly popular idea, lengthening the school year will help American students become more competitive by helping to raise student achievement and providing low-income students with equal opportunities for success. Body Paragraph Research #1 Look back at your thesis. Write the FIRST reason you listed why your invention is the best and write it here: Now using this as your guide, research on destiny. sandi. net some evidenc e that proves this claim. Chart your findings below. Fact| Source (website/book)| | | | | | | | | | | | |Body Paragraph #1 Worksheet Write your topic sentence. This should introduce the first reason you listed why your invention is the best (as written in your thesis on worksheet page 2). Example: One problem is that owners often don’t think about what will happen when the animal grows. TS: Now look back at your Body Paragraph Research #1. On that page highlight or circle the two best pieces of evidence that support your claim (listed above). Label them A & B with B being your best (strongest) piece of evidence you have. Write these in a complete sentence below:Example: (CD/A) For example, potbellied pigs are cute when they are little, but they can be hard to handle later on. Your CD/A: Now, provide the commentary (CM) for your concrete details (CD). Remember, commentary explains to your reader how the concrete details support your topic sentence (TS) IN YOUR OWN WORDS. Examp le CM for CD/A: This fact proves that ownership of exotic animals becomes more difficult as the animal matures. Your CM: Your CD/B: Example: (CD/B) According to World Book Online, pigs may turn over furniture or dig up the backyard looking for something to eat.Now, provide the commentary (CM) for your concrete details (CD). Remember, commentary explains to your reader how the concrete details support your topic sentence (TS) IN YOUR OWN WORDS. Example CM for CD/B: This clearly proves that ownership of exotic animals becomes more difficult as the animal matures. Your CM: Lastly, you will end this body paragraph with a concluding sentence which will transition into reason number two that supports your topic (the second reason listed in your thesis). Example: In fact, in some cases owners become so overwhelmed with their esponsibilities that they take the drastic measure to give away their pet. Your CL: Body Paragraph #1 Rough Draft Below, this is an example of a body paragraph: One pr oblem is that owners often don’t think about what will happen when the animal grows (TS). For example, potbellied pigs are cute when they’re little, but they can be hard to handle later on (CD1). This fact shows that exotic animals can grow into a potential dangerous problem. (CM) According to World Book Online, pigs may turn over furniture or dig up the backyard looking for something to eat (CD2).This clearly proves that ownership of exotic animals becomes more difficult as the animal matures (CM). In fact, in some cases owners become so overwhelmed with their responsibilities that they take the drastic measure to give away their pet (CL). Below, this is an example of another first body paragraph: In recent years, American students have begun to fall behind their international peers. For example, President Obama has cited the fact that in the United States, â€Å"8th Grade curriculum is two year behind competing nations. † If the United States hopes to remain a world power, it is crucial that we take steps to raise our education standards.In order to raise our curriculum and hold our students to higher standards a longer school year is necessary. Furthermore, Obama stated that one third of 13-14 year-olds in America are not reading at grade level. These facts clearly show a huge problem within the U. S. educational system. The ability to read at an appropriate level is essential to success and understanding in school and life. Our educational system is faced with the job of preparing this countries youth for the future, and clearly our students are not developing the necessary skills.Finally, the US math score on the PISA (Program for International Student Assessment) test was a 487 which is below the international average of 496. With the advances being made in technology and science it is crucial that American student have a strong understanding of math and science principals. While other countries seem to be excelling in these subjects it is unacceptable for US student to be scoring below the international average. For many years the US has been an international superpower. In order to remain a superpower, The US must take steps to improve education and stop our students from falling behind.ON THE NEXT PAGE YOU WILL WRITE YOUR BODY PARAGRAPH ROUGH DRAFT Now, combine your work from PAGES 6 and 7 and write your first rough body paragraph. (use the example paragraphs on page 7 as a model) Body Paragraph Research #2 Look back at your thesis. Write the SECOND reason you listed why your invention is the best and write it here: Now using this as your guide, research on destiny. sandi. net some evidence that proves this claim. Chart your findings below. Fact| Source (website/book)| | | | | | | | | | | | | | | | | Body Paragraph #2 Worksheet Write your topic sentence.This should introduce the second (and strongest) reason you listed why your invention is the best (as written in your thesis on worksheet page 2). Example: T he most serious problem is that owners who grow tired of their exotic pets have trouble finding new homes for them. TS: Now look back at your Body Paragraph Research #2. On that page highlight or circle the two best pieces of evidence that support your claim (listed above). Label them A & B with B being your best (strongest) piece of evidence you have. Write one in a complete sentence below: Example: (CD/A) Often, shelters cannot take these pets, so owners turn them loose.CD/A: Now, provide the commentary (CM) for your concrete detail (CD). Remember, commentary explains to your reader how the concrete details support your topic sentence (TS) IN YOUR OWN WORDS. Example: This example shows how overwhelming owning an exotic pet can be. CM: CD/B: (CD/B) According to the San Diego Tribune, when a woman in Florida reached into her flower garden, a tropical snake that had been turned loose by a neighbor attacked her. Now, provide the commentary (CM) for your concrete detail (CD). Remember, commentary explains to your reader how the concrete details support your topic sentence (TS) IN YOUR OWN WORDS.No example given. See first body paragraph. CM: Lastly, you will end this body paragraph with a concluding sentence which will end the supporting body paragraphs of your paper. Example: In conclusion, exotic animals, while fascinating, do not make the best household pets. CL: Now, combine your work from PAGES 9 and 10 to write your first rough body paragraph. (use the example from body paragraph as a model) Counter Argument Paragraph First, you will acknowledge that other arguments can be made in the defense of alternate inventions. (Immunization, Writing, Modern Plumbing, Electricity)Come up with three arguments used by ONE of the other three inventions discussed: 1. 2. 3. You may use a beginning similar to the examples below as your topic sentence: (choose only one of the sentences starters below): Some people will say Some believe An alternate way of thinking Choose the two weakest arguments from above about why this invention is important: 1. 2. Now, write a rebuttal: using research and your own thinking respond to one of the counter arguments above: __________________________________________________________________________________________________ _________________________________________________________________________________________________ Now, using a conclusion sentence, refocus your counter-argument paragraph back to your opinion (topic): SEE NEXT PAGE FOR EXAMPLES OF COUNTER ARGUMENT PARAGRAPHS Counter-Argument Paragraph Rough Draft Below, this is an example of a counter-argument paragraph: (1) Some people would say that owning an exotic pet is a wonderful experience. (2) They might say that exotic pets make the owner stand out in a crowd. (3) They also might say that owning an exotic pet is a unique and rewarding experience. 4) While an exotic pet may be rewarding, a domesticated animal will provide that same if not safer reward. Accordi ng to ABC News Investigations reports of exotic pets attacking their owners have increased dramatically over the recent years. (5) It is clear to see that these unique animals also come with unique challenges especially when they mature. Below, this is another example of a counter-argument paragraph: While President Obama’s proposal has many supporters, not everyone agrees that the school year should be extended. Opponents of this proposal claim that extending the school year is simply too expensive.While budget must be considered, education is the foundation for our countries future. If we are going to invest money in anything it should be education. In a recent interview with Matt Lauer President Obama discusses the cost associated with extending the school year, saying, â€Å"that would be money well spent†. Another point often discusses by the opposition is, that shortening the school year will take away important family and social development time. Unfortunately, many students in our country do not have the ability to participate in summer learning activities.Summer camps and learning programs are a luxury often enjoyed by middle and upper class families. Without these programs many students experience summer learning loss wherein they can lose up to two months of math and reading skills. In summary, although there are arguments against extending the school year, it is important to consider what is best for our children. If we want to give all Americans the opportunity to compete in a global job market, it is important to invest in our students now and extend the school year. ON THE NEXT PAGE YOU WILL WRITE YOUR COUNTER ARGUMENT PARAGRAPH ROUGH DRAFTNow, combine your work from PAGES 11 AND 12 to write a rough counter-argument paragraph. (use the example paragraph above as a model) _____________________________________________________________________________________________ _____________________________________________________________________ ________________________ On Next Page You Will Write Your Concluding Paragraph Write Your Conclusion Paragraph Below: Restate your thesis: Now, write your strongest piece of evidence/support/CD from your first body paragraph: _______________________________________________________________________________________ ______________________________________________________________________________________ Now, write your strongest piece of evidence/support/CD from your second body paragraph: On the lines below write the sentences above as your CONCLUDING PARAGRAPH ROUGH DRAFT: _______________________________________________________________________________________ On the next and last page is an example of a conclusion paragraph. In conclusion, in order to keep our students from falling behind, and provide equal learning opportunities for low-income students, the United States needs to lengthen the school year.The facts clearly show that today’s students are falling behind. It is unac ceptable to allow our students to be falling behind in reading and math. It is unacceptable to allow two months of summer learning loss to occur. Something must be done. Education is the key to our countries future. As a country we need to show our students that we value and support their education. The best way to do this is by making the hard decisions, lengthening the school year, and doing what it takes to make our student competitive in a world market. THIS IS THE LAST PAGE. THERE ARE NO MORE PAGES.

The History of Riverview essays

The History of Riverview essays Riverview Park was an amusement park that ran from 1904 to1967. It was Chicagos first amusement park. It was billed as the worlds largest Amusement Park throughout its 64-year popularity. To many it was a rite of passage and their earliest child hood memories. It was a place of fabulous family outings, a magical kingdom where good friends could go for a terrific time, and eventually a romantic spot. Riverview was located on Western and Belmont Avenues in Chicago. It was surrounded by the Chicago River and Lane Tech High School. The Der Nord Chicago Schuetzenverien, a spin-off group of the Kriegs Verein of Chicago, purchased the land bounded by the Chicago River and the above avenues in order to use it as a shooting range. They later changed their name to the North Chicago Sharpshooters Association. The 22-acre park was dubbed Schuetzen Park by the Germans, and Sharpshooters Park by the locals, who began asking the private association if their grounds could be rented for picnics . Around the turn of the century, the Sharpshooters Association dissolved and two members purchased the land. The two members were Wilhelm (William) A. Schmidt, a baker, and his partner George Goldman. Wihelm Schmidt put in swings and some rides for the ladies and children and Riverview was born. After it had opened Wihelms son George began to expand the park with ideas he had picked up in Europe from such parks as Tivoli Gardens. He suggested that they add rides to grounds and with the help of a financial backer Riverview became a full-blown amusement park in 1904. With the opening of the new Riverview Amusement park came three substantial rides. The three great rides were the Strat-O-Stat plane, the Carousel, and The Chutes. The first ride, the Start-O-Stat was also known as the Aero-O-Stat Plane. It was a plane that circled around the center tower and began to pick up speed and height as the rid...

Words in Context Key SAT Reading and Writing Strategies

Words in Context Key SAT Reading and Writing Strategies SAT / ACT Prep Online Guides and Tips There are no more sentence completion questions on the SAT, so your vocabulary knowledge will be tested with questions that fall under the umbrella of the Words in Context subscore. In this article, I'll give you the inside scoop on what these questions are, what forms they might take in both the Reading and Writing sections, and which strategies work best for solving them accurately. What Are SAT Words in Context Questions? Words in Context is a subscore category on the new SAT that includes questions in both the Reading and Writing sections of the test.Your Words in Context subscore is calculated by adding up the points you earn from answering all the questions in this category.There are 18 of these questions per test (ten in the Reading section and eight in the Writing section), so your raw score will range from one to 18. This raw score is converted to a subscore out of 15. The SAT has seven subscores spanning the different sections of the test that are all converted to scaled scores out of 15. These scores can help identify each student's specific strengths and weaknesses.Here’s a raw score to subscore conversion chart to show what I mean: Since there are no more Sentence Completion questions on the new SAT, all vocabulary questions on the new SAT fall into the Words in Context subscore category.Words in Context questions focus on understanding the different meanings of common words and choosing words that are most appropriate for the given circumstances. They won't test your knowledge of advanced vocabulary that you would rarely (if ever) use in daily life like the old SAT did. On the Reading section, these types of questions will ask you to: Use context clues to decide which meaning of a word or phrase is being used in a specific instance (vocabulary in context) Decide how the author’s word choice affects meaning, style, and tone in the passage (purpose of words in context) On the Writing section, they will ask you to: Alter word choice to convey the appropriate style or tone (improving word choice) Improve syntax of the passage (combining sentences) Improve word choice to make the sentence more precise (fill in the blank) Words in Context questions are important to master because they make up nearly 20 percent the Reading and Writing sections.To give you an idea of exactly what to expect, I’ll provide examples of two Reading questions and three Writing questions that represent all the different types of Words in Context questions you might see on the test. What Do Words in Context SAT Questions Look Like? This section includes examples ofthe various types of words in context questions that you'll come across in both the Reading and Writing sections. Reading Section Example #1: Vocabulary in Context These are the most common types of Words in Context questions on the Reading section.If you’ve ever taken the ACT, you may notice that these are very similar to the vocabulary questions on ACT Reading.They will ask you to choose the best synonym for a given word in the passage based on its context. Here’s an example: In this sentence, we can see that â€Å"credit† means something like â€Å"trust† because the demographers are the ones giving us data to suggest that the public transportation is on the upswing.If we trust them, the trend is real. Now that it's clear what we are looking for, it's time to go through the choices. Choice A is incorrect because â€Å"endow† means to equip or furnish someone with something, which isn’t a good replacement for the form of â€Å"credit† being used here. Choice B is also incorrect because â€Å"attribute† would mean â€Å"cite,† which makes a little bit of sense, but still doesn’t match up with what the original sentence is saying. Choice C seems to fit pretty well. If we â€Å"believe† the demographers, the growing popularity of public transportation is a reality. Choice D is wrong because â€Å"honor" isn't a synonym for â€Å"trust,† and taking the demographers at their word is not the same as actively â€Å"honoring† them. Final Answer: C Example #2: Analyzing Word Choice Rhetorically You’ll also see questions that ask why certain words are used.Here’s an example along with the section of the passage it references: Rather than choosing the correct definition of a word, you must determine why the author uses certain words and how they affect the reader’s perception of the passage. The three words mentioned in the question all indicate hopeful uncertainty, so that's something we should look for in the description of the tone. Also, upon rereading the paragraph, it's clear that this is a very dry, scientific reporting of facts. This clinical quality combined with the words listed seems to indicate that they're used as a means of stating aspects of the authors' hypothesis while clarifying that their beliefs are not yet scientifically confirmed. Ok, time to look at the choices. Based on the unemotional writing style of the paragraph, Choice A doesn’t fit. There is no descriptive language to suggest either an optimistic (or pessimistic) tone. It simply states the central tenets of the authors' hypothesis along with several supporting facts. Choice B can also be eliminated because there is nothing to indicate a "dubious" or doubtful tone. Again, the authors are stating their hypothesis in scientific terms without giving us any clear insight into their deeper feelings about it. Choice C is the most promising so far. It reflects the measured, scientific tone of the paragraph. The authors believe in their hypothesis to a certain extent, but they can’t state their beliefs as facts because they haven’t conducted any experiments to test them. Finally, Choice D is definitely out. The elaboration in the second part of the sentence is overly specific, and once again, the passage doesn’t have strong enough language to establish a critical tone. Final Answer: C We need to keep the bees healthy so we can put their sweet puke in our tea. Writing Section Example #3: Choose the Best Word These questions are similar to vocabulary in context Reading questions, but they ask you to think in a slightly different way. You have to choose the word that fits best in the passage rather than just determining what the word in the passage means.Here’s an example: Let's look at what the sentence is trying to say. The officials recently ordered six original paintings of cats from an artist. If the museum privately hired someone to paint the cats, it wouldn't be necessary for any sort of public announcement or "decree" to be issued. Based on this understanding of the sentence, choice A, "NO CHANGE", doesn’t quite work. We're looking for a word that means the same as "ordered" in the sense of "the officials ordered Chinese food" but in a more formal, artistic context. Choice B is a very promising answer. If you're familiar at all with the art world, you'll know that people and institutions often "commission" works from artists. This is just a fancier way of describing the process of submitting an order for a specific painting that you would like an artist to create. Makes sense considering what we know so far, so we'll keep it in the mix. Choice C, â€Å"forced,† indicates that there was resistance to the creation of the paintings, and there’s no evidence for that.This answer can be crossed out. Choice D, â€Å"licensed,† implies that the paintings already existed and the museum went through a legal process to make them official. This doesn't jive with our understanding of the sentence at all; any licensing, if applicable, would be done after the paintings were completed. Final Answer: B Example #4: Improving Word Choice In some Writing questions that fall under the Words in Context category, you have to choose the word that makes the most sense given the tone of the passage.Here’s an example: What type of word are we looking for? Let's examine the context. Well, the food was described as being of "terrible quality" earlier in the passage, so we want a synonym for unpalatable or gross. The passage is also a formal historical account, so we're looking for a word that matches with the serious tone. Choice A can be ruled out because â€Å"sinister† isn’t an appropriate word choice based on what the sentence is describing.â€Å"Sinister† means ominous or foreboding.It would be weird to describe train food as â€Å"sinister† because this word is reserved for things that are subtly unsettling, not outwardly gross. Choice B, â€Å"surly,† is an adjective that describes a person’s behavior. It can’t be applied to an inanimate object like food, so this choice should be eliminated as well. Choice C, â€Å"abysmal,† seems like a promising choice.Abysmal is a direct synonym for terrible, and it'sformal enough to fit with the tone of the passage. Keep this one. Choice D is incorrect for different reasons than the other answers we eliminated. While "icky" makes sense as a synonym for unpalatable or gross, it doesn't set the right tone. It's way too informal to work with the rest of the passage. Final Answer: C Example #5: Combining Sentences This is another type of question that the SAT puts in the words in context category, though it is a bit different from the other types that I've gone through. In these questions, you just have to decide the best way to combine two sentences that are separate in the original passage. It's still categorized as a Words in Context question because you're asked to modify the phrasing of the sentences so they fit together seamlessly in the context of the paragraph. It requires you to understand how to use language effectively.Here’s an example: First, let's make sure we understand the content of the original two sentences. The passage has already established that artificial lights lower worker productivity. The purpose of these two sentences is to add another reason to dislike artificial lights: their excessive cost. We're looking for a combination of the two sentences that preserves this purpose and maintains its grammatical integrity. Choice A looks pretty good. It avoids misplaced modifiers and maintains focus on the costliness of the lights. We can keep this one. Choice B is incorrect because it indicates that the cost of artificial light sources lowers worker productivity. This is an inaccurate statement because we know from the rest of the passage that the quality of the light source used in the office impacts productivity, not its cost. Choice C is wrong because it is worded awkwardly and doesn’t emphasize the central point of the two sentences. It gives equal attention to the two negative attributes of artificial light sources when cost is the main focus of this paragraph. Choice D is wrong because, like choice C, it misses the point of the original sentences.It emphasizes a supporting detail about the lights' energy use while only briefly touching on the subject of their costliness. Natural lighting makes for a cheerier and less expensive office. Fluorescent lights will steal your soul if you work under them for long enough. Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! 4 Tips for Words in Context SAT Questions Tip #1: Read the Whole Paragraph These questions are about words (and sentence structure) IN CONTEXT, which means you shouldn’t focus solely on the sentence in which the word appears.This is especially true for questions that ask you to choose the word that fits the tone of the entire paragraph or passage.Always read the surrounding paragraph so that you don’t get an inaccurate impression of the meaning of the word or the author’s intentions. Tip #2: Predict the Answer One strategy I would recommend for vocabulary in context questions is to formulate your own idea of what the word means in context before looking at the answer choices.Sometimes looking at the choices can make things more confusing.If you already have an idea in your head of what the answer should be, your thought process is less likely to be disrupted. Tip #3: Plug It In A good method for testing out answer choices on Words in Context questions is plugging each of your options back into the sentence.This tip applies to vocabulary in context questions and improving word choice questions.It’s much easier to see the flaws in answer choices if you read the sentence over again using the proposed replacement word.If you plug in the word and it doesn’t feel right, you should reconsider your choice. Tip #4: Reading, Not Flashcards Finally, as you're preparing for the SAT, the best thing you can do to improve your performance on these types of questions is to practice your overall reading comprehension. The more you read, the easier it will be for you to discern the various meanings of words based on their contexts. You're far more likely to have seen the word used that way before if you've been reading a lot. See this article for some greatways to develop better reading comprehension in conjunction with studying for words in context questions. The more you challenge your brain with advanced reading materials, the simpler the passages and vocabulary words on the SAT will seem to you. Conclusion Words in Context is a subscore category on the SAT that encompasses all questions related to vocabulary knowledge and appropriate word choice. On the Reading section, these questions will ask you to use context clues to choose the correct synonym for a word or to identify the purposes of certain words.On the Writing section, Words in Context questions ask you to improve word choice and combine sentences smoothly. The strategies I would recommend for solving these types of questions include: Reading the whole paragraph containing the word(s) in the question Predicting the answer before reading the choices Plugging in the answer choices to test them out Practicing reading comprehension, not vocab memorization Unlike the old sentence completion SAT questions, words in context questions don’t require knowledge of advanced vocabulary.If you take a thoughtful, analytical approach to these questions, you should be able to answer them correctly without spending hours studying flashcards. What's Next? Struggling with SAT Reading? Here are six strategies that will help you increase your scores to a more competitive level. You can also check out these five tips to excel on the Writing section if you're more concerned about that part of the test. If you're looking for some review books to help you out with your studying, check out our reviews of the best books for each section of the SAT. Want to improve your SAT score by 160 points? Check out our best-in-class online SAT prep program. We guarantee your money back if you don't improve your SAT score by 160 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. If you liked this Reading lesson, you'll love our program.Along with more detailed lessons, you'll get thousands ofpractice problems organized by individual skills so you learn most effectively. We'll also give you a step-by-step program to follow so you'll never be confused about what to study next. Check out our 5-day free trial:

Market Segmentation by Coca Cola Case Study Example | Topics and Well Written Essays - 1000 words

Market Segmentation by Coca Cola - Case Study Example Factors influencing consumer choice such as psychological, socio- cultural, economic government, lifestyles, perception, motivation, attitudes, consumer behavior toward a cold drink, family preference reference group, disposable income, discretionary income and other relevant factors have to be taken into account for segmenting the market and penetrating into different niche markets. For last 5-6 years many banks and other financial companies targeted low-income groups with bad credits for sub-prime mortgages. These debtors were risky on the standard of credit rating below 6 and were expected to default one day or other. The real motive of the banks to extend credits to such borrowers were to earn quick profits in the background of flush of liquidity with then after the stock market bust in 2001 and the craze of many people to have his own house at any cost. This two supply and demand poles met each other. Financial companies became aggressive in targeting this segment for loans so much so that liquidity with them started falling, thereby creating pressure on lending rate and the resultant credit control by banks. There were numerous defaults in repayments causing credit crisis. In recent years housing prices in USA, were so steeply high that there was speculation of house bubbles. In research paper published in the Journal of Housing research v... This two supply and demand poles met each other. Financial companies became aggressive in targeting this segment for loans so much so that liquidity with them started falling, thereby creating pressure on lending rate and the resultant credit control by banks. There were numerous defaults in repayments causing credit crisis. In recent years housing prices in USA, were so steeply high that there was speculation of house bubbles. In research paper published in the Journal of Housing research volume 6, Issue to by Robert Quercia, George W. Mccarthy & Michel A Stegman similar opinion has been expressed on Mortgage default among rural, low income borrowers. "When mortgage risks are not well understood households are forced to pay mortgages insurance premiums or mortgage interest rates that are higher than necessary to compensate for the higher risk involved.that lenders perceive them to represent" Data from 2000-01 on foreclosed homes at Utah has used by Amber Gallagher Utah State university points out the fact of defaulting of payments and the following fore closer of the houses of the first time home buyers against loans. They were also subjected to specific segment targets for marketing loans but they were not fit for the mortgage. Payment to income ratio and loan to value ratio were at low level. No ethics support such target marketing on lower income groups who are either ignorant about the risk or poor enough to afford on their own but have craze to have a house, which is the primary need for everyone. Financial companies with their own motives to earn quick profit target these people and for this they impose unsolicited terms in the garb to squeeze them. When the borrowers fail to repay the loan or interest in time their houses

Finance Case Study Example | Topics and Well Written Essays - 500 words

Finance - Case Study Example It should be noted that the selection of the family members for their respective positions are due to their being the relative of the founder and cannot be credited to their skills or experience in the industry. The current poor financial performance of G-III might be attributed to this set-up. Even though some of the important executives of G-III are not family members, the Goldfarbs are still in the highest ranks which place them in the position of making the final decisions even though some lower level executives disagree or might recommend otherwise. The efficiency of the management team is indicated by the financial position of G-III in comparison to other industry players. The case stated that in general, G-III has expanded market share from 2% to 10% with a compounded increase in revenue of 68% from 1986-1989. The market has grown faster at a rate of compounded 75% making G-III quite slow to respond to market expansion. Financially speaking, most of the company's resources are financed by riskier short term debt instead of long-term ones. As G-III is cash strapped, the company is illiquid and cannot pay its current obligations if they become due immediately. It also becomes apparent that the remedy for this will be from the capital which will be raised from the IPO.