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Basel III Is A Global Standard Of Banking Regulation. Do You Think Essay

Essays on Basel III as a Global Standard of Banking Regulation Essay The paper "Basel III as a Global Standard of Banking Regulation" is an excellent example of an essay on finance and accounting. Basel III is the result of the global financial crisis happened in 2008, where it gives a chance to a basic reformation of the risk and regulation perspective within the international financial market. In this regard, the BCBS (Basel Committee on Banking Supervision) has cooperatively developed a new framework in order to reinforce the liquidity and capital regulations internationally for endorsing a robust baking industry, named as Basel III (Greenley, Kelly, Forgarty, Dutta, 2011). It initiated a conceptual alteration in the liquidity and capital principles. It has become the requirement of firms that are competing on a global basis, and are exposed to the financial and regulatory risks seen in the financial crisis of 2008. However, this framework provides a solution to many issues existing in the contemporary banking industry, but still, it raises some i mplementation concerns that are significant for its application.   Among these concerns, the most important issue is its regulatory effect, where many economies face issues in obtaining the adequate level of liquid assets in the money market for complying with the new conditions, such as in South Africa. Another problem is regarding the calibration of the news agenda, as the banks have obtained assistance from the government during the financial crisis, so it would be insufficient for depending only on the bank’s information (Willink, 2011). In addition, the central bank’s role should also be taken into the account, as this bank can generate liquidity conditions any time, so the requirement of securing extra liquidity would be an injustice for banks. It would result in inadvertent outcomes. This implementation would also affect the central bank’s role in applying the monetary policy. Moreover, such new liquidity regulations would be difficult to apply because of spending short time finance for liquidity in banks (Bech Keister, 2012 ). Thus, it is of high significance to manage and apply the Basel III wisely for circumventing supervisory arbitrage and other issues.

Puritans and Sex free essay sample

In the article, â€Å"The Puritans and Sex†, author Edmund S. Morgan argues that the puritans were much more freethinking than their conservative stereotype. Most of what things said about the Puritans may have been exaggerated and just like all normal people Human sexuality, in the world they would indulge in such things as sex and marriage. Of course according to laws in the 1630s when the Puritans were around, it was required that in order to indulge in such actions of â€Å"pleasure† you must first be married. Many male and women servants would have â€Å"illicit sexual intercourse† and be whipped by their masters. Ironically according to Morgan, most of the time that a woman would have sex, or get raped would be by her master. The reason for many of these illegal sexual actions was because most of the males would already have a wife before settling to the colonies. Most of these males came from England, and left their wives over there in search of money and better living for their families. We will write a custom essay sample on Puritans and Sex or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page So in order to fulfill their sexual needs, the male would have to get married to another woman (sex was only permissible if married). According to laws in the seventeenth century and laws according to today, bigamy and polygamy are both felonies. Now this would leave the man with two choices. Either have illicit sex or get married (illegal) and have legal sex while being in risk for getting caught for both. Truly this left the male with two unlawful decisions that left him with no right choice. As fornication laws got more strict, parents of children decided to marry their children at a very young age, therefore young adults would not participate in illegal sexual activities if the right husband or wife was chosen. Edmund Morgan says that instead of trying to make punishments for people who fornicated and participated in other prohibited acts, they would try to prevent this from happening before they had punished. All the laws and legal threats did not prevent people from illegitimate sex as it wouldn’t happen in our period of time. Morgan’s message in this article is that there are many misconceptions in different life styles. This article proves that even though the Puritans practiced strict religious discipline, there were still flaws and illegal acts committed as there are in almost every society of religious and secular people.

Measuring Short Run and Long Run Relationship Between Gdp Per Capita and Consumption Per Capita of India free essay sample

By Rizwan Mushtaq Under supervision of Mumtaz Ahmed ABSTRACT This study is based on examining the relationship between income and consumption series of India covering the period of 1980-2009. Data about certain indicators were obtained from the official web site of World Bank. In first step of data analysis appropriate ARMA model was determined using correlogram and information criteria as well, and applied to the consumption data only. These models (ARMA and ARIMA models) are built up from the white noise process. We use the estimated autocorrelation and partial autocorrelation functions of the series to help us select the particular model that we will estimate to help us forecast the series. Second step of data analysis was comprised of co-integration and Error Correction model. It was found that per capita Gross Domestic Product and final household consumption per capita of India are not cointegrated. It was observed that both the series are integrated at order two I (2). We will write a custom essay sample on Measuring Short Run and Long Run Relationship Between Gdp Per Capita and Consumption Per Capita of India or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page But second condition of co-integration was not satisfied, the residuals were not found stationary. Hence it might be possible to conclude that there is no long run relationship between consumption and GDP series of India. As we know that the series are not co-integrated so we cannot apply Error correction model, but for the sake of understanding more specifically we also applied Error Correction Model. The adjustment co-efficient was not up to the standard it was around zero, it suggest that there is no need to make adjustments. Keywords: Gross Domestic Product, Consumption, ARMA, Co-Integration, Error Correction Model 1 AUTOREGRESSIVE MOVING AVERAGE PROCESS 1. Moving Average Process ARMA assumes that the time series is stationary-fluctuates more or less uniformly around a time-invariant mean. Non-stationary series need to be differenced one or more times to achieve stationarity. ARMA models are considered inappropriate for impact analysis or for data that incorporates random shocks†. More specifically an ARMA (pq) process is a combination of AR (p) and MA (q) models. Such a model states the current values of some series y depends linearity on its own previous values plus a combination of current and previous values of a white noise error term. The model could be written as: Keeping the effect of (Yt-1, Yt-2, Yt-3, Yt-4) fixed. ACF and PACF patterns for possible ARMA (p,q) models are as follows: AR(Process) MA(Process) ACF PACF ACF PACF Geometrically Number of non-zero It is significant at and It declines declines points = order of AR up to order of MA geometrically process, it takes non- process zero value up to order of AR ARMA (p,q) Process ACF Declines geometrically PACF Declines geometrically This methodology used sometimes and have certain flaws and issues. If both ACF and PACF declines geometrically we got ARMA procedures, just see the graphs and decide. BOX-JENKINS APPROACH They provide a methodology to fit an ARMA model to any given data series. It tells how to fit your ARMA model, there approach involves three steps: i. ii. iii. Identification Estimation Diagnostic Step 1: Identification Determining the order of ARMA model. This is done by plotting both ACF and PACF overtime. It tells us what order should we keep. Step 2: Estimation In this ste p we estimate the parameters of the model specified in Step I, using OLS and Maximum Likelihood method, depending on the model. Step 3: Diagnostic In this step model checking takes place. Box and Jenkins suggested two types of diagnostics 1) Over fitting (deliberately fitting a larger model than that is required) 2) Residuals diagnostic (Checking residuals for independence using Ljung-box test). Drawbacks in Box and Jenkins Approach Most of the time plot of ACF and PACF do not provide a clear picture. They do not match with deciding criteria; neither has MA nor AR process. So where we have messy real data we are unable to know which model is to use, and interpretation is very hard in this case. 7 Solution to This Problem Solution to this problem is to use the information criteria. Several criteria are available in literature but the most important criteria are discussed here. 1) Akaike’s Information Criteria AIC 2) Schwarz’s Bayesian Criteria SBIC 3) Hannan-Quinn Criteria AIC = ln(? ^2) + 2k/T SBIC = ln(? ^2) + k/T * lnT HQIC = ln(? ^2) + 2k/T * ln(lnT)) Where ? ^2 = RSS/T-K T= No. of observations, K=No. of regressors HQIC When plots are difficult to interpret and decide. We use information criteria; SBIC is considered the best one. The minimum value of SBIC is acceptable. CO-INTEGRATION 1. Integration To understand co-integration, it is essential to discuss integration first. A series is said to be cointegrated of order (1), if it becomes stationary after taking the first difference. The original series will called integrated at I (1) if it attains staionarity at second difference the series will called integrated at order two which can be written as I (2). And if the series become stationary at order (p) time the original series will be I (p). 8 2. Co-Integration After brief explanation of integration, now it is palpable to interpret co-integration. If two variables that are I (1) are linearity combined, then the combination will also be I (1). Two and more series (Xt, Yt) are said to be co-integrated if, i. i. They have same order of integration The residuals obtained from regressing Y on X are stationary. These two conditions must be fulfilled otherwise series will not considered as co-integrated. Engle and Granger, Procedure of Co-Integration Engle and Granger, proposed a Procedure for Co-Integration in (1987). X ? I (1): X is integrated of order (1) Y ? I (1): Y is integrated of order (1) Series X and Y are said to be co-integrated at order One I (1). They are actually non-stationary at level and become stationary at first difference. The combination of series X and Y will also be integrated at order one, it can be expressed as: Z = ? X + ? 2Y Z ? I (0) This process involves four steps: 9 Step I: Test the variables (x, y) for their order of integration using ADF. a) If both (x, y) are integrated of order (0) i. e. both are stationary at level than there is no need to test X, Y ? I (0). b) If both variables (X Y) are integrated of different order, than their will be no cointegration. c) If both variables (X Y) are integrated of same order, than proceeds to step II. Step II: Estimate long run (possible co-integration) equation if, X Y ? I (1). Here one thing should be noted that 95% of the economic series become stationary at order (1). If X Y ? I (0). Than estimate the following equation and get residuals Yt = ? 1+ ? 2 Xt + ? t Step III: Check the order of integration of residuals i. e. residuals are tested for stationary using ADF. It is important here to note that stationarity of residuals is tested by estimating the model without intercept and without time trend. So, estimate the following model. ? ? 10 Note: estimate this model and test the null hypothesis, also note that we have to use different critical values which are more negative than the usual Dickey-Fuller critical values, use critical values proposed by Engle and Granger. Step IV: In step 4 we estimate Error Correction Model (ECM). It gives us both short run and long-run impacts of X on Y, and also provides the adjustment co-efficient. Which is the co-efficient of lagged values of error term i. e. et-1. ERROR CORRECTION MODEL Error Correction Model (ECM) simply corrects the error. Here one thing is important to discuss that if variables X Y are co-integrated than the residuals (et) obtained from regression of Y on X will be stationary. It might be expressed in this way: et ? I(0) So, we can express the relationship between X and Y in the form of an Error Correction Model as: ?Yt = b1 + ? Xt + ? t-1+ Vt†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ (10) Where, b1 = is short run impact of x on y. Vt = is the error term. And ? is the co-efficient of et. It is also called adjustment co-efficient, feedbacks and adjustment effect. If ? = 1 than 100% of adjustment taking place. If ? = 0. 5 than 50% of adju stment taking 11 place, and If ? ? 0 than there is no need to make adjustments. Basically Error Correction Model provides us both short run and long run impacts of X on Y. EMPIRICAL ANALYSIS ARMA 1-Identification Figure: 1 Correlogram Consumption Step I: As we know that the first step of ARMA is identification, it is done through correlogram. Figure: 1 Correlogram consumption denotes the typical processes from the ARMA family with their so called characteristics autocorrelation and partial autocorrelation. These described function of autocorrelation are not derive from relevant formula, rather are estimated using underlying simulated observations with disturbance drawn from a normal distribution. Figure: 1 articulates that the autocorrelation and partial autocorrelation functions are significant at lag 1, while the autocorrelation function declines geometrically, and is significant until lag 3. Plot of the 12 onsumption series (see appendix figure 1) also shows increasing trend which represents that the series is integrated, and we need to proceed with taking logarithms and first differences of the series. Step II: We now in step two because of above behavior of consumption series which we observe through correlogram. Here we take the log of consumption series and then first difference of said series. Below are the comman ds that are used to do so: genr lcons=log(cons)†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. (i) genr dlcons=lcons-lcons(-1)†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. (ii) We get correlogram of newly created dlcons (log-differenced) series, which is portrayed here: Figure: 2

Negative Effects of Collusion in Business and Politics

Negative Effects of Collusion in Business and Politics Collusion is an agreement between two or more entities to limit open competition or gain an unfair advantage in the market by means of deceiving, misleading, or defrauding. These types of agreements are - not surprisingly - illegal and therefore are also typically very secretive and exclusive. Such agreements can include anything from setting prices to limiting production or opportunities to kickbacks and misrepresentation of the party’s relationship to one another. Of course, when collusion is discovered, all acts affected by the collusive activities are considered void or having no legal effect, in the eyes of the law. In fact, the law ultimately treats any agreements, obligations, or transactions as though they had never existed. Collusion in the Study of Economics In the study of economics and market competition, collusion is defined as taking place when rival companies who otherwise would not work together agree to cooperate for their mutual benefit. For instance, the companies may agree to refrain from participating in an activity that they normally would in order to reduce competition and gain higher profits. Given the few powerful players within a market structure like an oligopoly (a market or industry that is dominated by a small number of sellers), collusive activities are often commonplace. The relationship between oligopolies and collusion can work in the other direction as well; forms of collusion can ultimately lead to the establishment of an oligopoly. Within this structure, collusive activities can make a significant impact on the market as a whole starting with the reduction of competition and then the likely possibility of higher prices to be paid by the consumer. In this context, acts of collusion resulting in price fixing, bid rigging, and market allocation could place businesses in jeopardy of being prosecuted for violations of the federal Clayton Antitrust Act. Enacted in 1914, the Clayton Antitrust Act is intended to prevent monopolies and protect consumers from unfair business practices. Collusion and Game Theory According to game theory, it is the independence of suppliers in competition with one another that keeps the price of goods to their minimum, which ultimately encourages overall efficiency of the industry leaders in order to remain competitive. When this system is in effect, no one supplier has the power to set the price. But when there are few suppliers and less competition, as in an oligopoly, each seller is likely to be acutely aware of the actions of the competition. This generally leads to a system in which decisions of one firm can greatly influence and be influenced by the actions of other industry players. When collusion is involved, these influences are typically in the form of clandestine agreements that cost the market the low prices and efficiency otherwise encouraged by competitive independence.​ Collusion and  Politics In the days following the tumultuous 2016 presidential election, allegations arose that representatives of the Donald Trump campaign committee had colluded with agents of the Russian government to influence the outcome of the election in favor of their candidate. An independent investigation conducted by former FBI Director Robert Mueller found evidence that President Trump’s National Security Adviser Michael Flynn may have met with the Russian ambassador to the U.S. to discuss the election. In his testimony to the FBI, however, Flynn denied having done so. On February 13, 2017, Flynn resigned as national security director after admitting he had misled Vice President Mike Pence and other top White House officials about his conversations with the Russian ambassador. On December 1, 2017, Flynn pleaded guilty to charges of lying to the FBI about his election-related communications with Russia. According to court documents released at the time, two unnamed officials of the Trump presidential transition team had urged Flynn to contact the Russians. It is expected that as part of his plea agreement, Flynn promised to reveal the identity of the White House officials involved to the FBI in return for a reduced sentence. Since the allegations surfaced, President Trump has denied having discussed the election with Russian agents or having directed anyone else to do so. While collusion itself is not a federal crime - except in the case of antitrust laws - the alleged â€Å"cooperation† between the Trump campaign and a foreign government may have violated other criminal prohibitions, which could be interpreted by Congress as impeachable â€Å"High Crimes and Misdemeanors.† Other Forms of Collusion While collusion is most often associated with secretive agreements behind closed doors, it can also occur in slightly different circumstances and situations. For instance, cartels are a unique case of explicit collusion. The explicit and formal nature of the organization is what differentiates it from the traditional sense of the term collusion. There is sometimes a distinction made between private and public cartels, the latter referring to a cartel in which a government is involved and whose sovereignty likely shields it from legal action. The former, however, are subject to such legal liability under the antitrust laws that have become commonplace around the world. Another form of collusion, known as tacit collusion, actually refers to collusive activities that are not overt.  Tacit collusion requires two firms to agree to play by a certain (and often illegal) strategy without explicitly saying so. Historical Example of Collusion One particularly memorable example of collusion occurred in the late 1980s when Major League Baseball teams were found to be in a collusive agreement to not sign free agents from other teams. It was during this period of time when star players like Kirk Gibson,  Phil Niekro, and Tommy John – all free agents that season – did not receive competitive offers from other teams. The collusive agreements made between team owners effectively erased competition for players which ultimately severely limited the player’s bargaining power and choice.

Management Information Systems Article Example | Topics and Well Written Essays - 500 words

Management Information Systems - Article Example For the establishment of the online business, we can purchase the land and establish a shop or mall for the business and deal with physical world products. Through deep assessment of overall online network, I have decided to sell online multimedia products. Our business will deal with physical multimedia products. In this scenario, we will plan to establish the terms of the online payment details. This will ensure that online user will perform the transaction in a better way. The website of eBay offers the Second Life Land 4096 Sq Met, 937 prim, Beachfront for the auction. Here we also find the books and multimedia for the sale and auction. This offers a great opportunity for the online dealing and business on the sponsor website. Second life offers a great opportunity for the online users to have the sense of the real world existence. The online social networks such as YouTube, MySpace, and Amazon offer the better opportunity for sharing the knowledge, news, videos, and for carrying out the business activities. However, there is no feeling of real world. The business and community on the Second-Life offer a feel of the real world dealing and online interaction. Therefore we can expect that the future of the Second-Life is really bright and hope that this online business and community platform will offer a great opportunity for enhancement and market domination. There are lots of different obstacles in the way of the Second-Life. These can be related to the online marketing and operations. The business and community of the Second-Life need to be more attracted to the other market businesses because a lot of different big business such as Toyota has established its online shops but still it is not operational. This happens due to less market coverage and marketing opportunities. Here Second-Life needs to attract more people regarding the enhanced experience of the new Physical World experience on the web.

Engineering Ethics Essay Example | Topics and Well Written Essays - 500 words - 1

Engineering Ethics - Essay Example The chapter discusses the moral complexity in engineering, its ethics and the importance of studying it. Deborah would not agree with Plant Manager Edgar Owens that the excess should be regarded as a merely technically. Meanwhile, would examine them about their moral values. Moral values in engineering projects are not considered as external burdens, but as standards of excellence. Combining the design constraints and goals, engineering projects involves multiple moral values connected to those constraints and goals (Martin and Roland 12). For example, efficiency, safety and respect to people and environment. Technical skills are most importance in solving ethical issues and making moral decisions. Engineers consider macro and micro issues when pursuing their projects. Micro issues are the ones concerning an individual or a company while macro issues are the ones concerning the whole world. Engineering ethics is the rights and responsibilities of engineers and personal commitments and desirable ideals in engineering. Ethic is also a study of morality. After studying engineering one bec omes a profession or a professional in public good, self-regulation or advanced experts. The local parents of the children who swim in the lake would not agree that the excess is merely technicality. Instead, they would wish the lake not to be polluted. Ethical dilemmas would be created among Marvin and Plant Manager Edgar Owens whether to control the pollution or not. Moral dilemmas are comprised of moral reasoning and choices. The chapter discusses how moral choices are useful in technological development, aspects in resolving moral dilemmas and extra roles of professional codes of ethics (Martin and Roland 27). Moral values results to decision making of engineers and their managers who make purely technical and economic decisions. Economic and technical decisions have moral dimensions in four directions, which include environmental protection,

Oral Language and Reading Comprehension Essay Example for Free

Oral Language and Reading Comprehension Essay This paper is intentionally made to show the comparison between oral language and reading comprehension. Oral language and reading comprehension are both essential to every individual. All of us had undergone oral language when we are still young and as it develops and as we grow and mature, it enables us to be more knowledgeable and prepares us to a more needed comprehension in reading. This two are significant and are interrelated to each other. As a parent, talking to the child helps expands vocabulary, develop background knowledge, and inspire a curiosity about the world. The more a child engages into certain experiences and more learning that starts from parents and then to teachers, it will widen their minds and permits them into a more broad understanding of different things. Oral language is the very learning that each of us has gone through and we still have it up to now. This paper will broaden your knowledge with regards to the comparison between oral language and reading comprehension. Background of the Study: Oral language means communicating with other people. On the other hand, reading comprehension is the act of understanding what you are reading. The definition can be simply stated the act is not simple to teach, learn or practice. Reading comprehension is an intentional, active, interactive process that occurs before, during and after a person reads a particular piece of writing. Oral language and reading comprehension are both essential because in oral language we are trained on how to communicate well with other people. Reading comprehension, on the other hand, is also a way of understanding the book that we read; it could be just a simple magazine, newspaper, or even the books we used in school. A person must be able to understand what he or she is reading. It is necessary that we know how to talk or communicate but one thing that is very useful as well in our everyday lives is the ability to read and understand what we read. There is a complete difference between â€Å"reading† and â€Å"reading with comprehension†. Now, as you go and read this paper, you will be fed with more ideas with the comparison between spoken language and reading comprehension and how these two work together for a more fluent practice of communication. It will develop your communication and reading skills; that it is not enough to know how to speak and read but being able to speak and at the same time realize what you are reading and even apply these in real life situations. Related Study: Oral language A great deal of research has been done in the field of oral language acquisition. As a means of attempting to negotiate their environment children actively construct language (Dyson, 1983; Halliday, 1994; Sulzby,1985). From a childs earliest experience with personal narrative development, oral language acquisition must be continually fostered. (IRA and NAEYC, 1998). This becomes the building block for establishing success in all areas of literacy. Oral language begins to develop at a very young age as children and parents interact with one another in the natural surroundings of the home environment (Teale, 1978; Yaden, 1988). A childs home environment greatly impacts the rate, quality and ability to communicate with others (MacLean, Bryant and Bradley, 1987; Martinez, 1983; National Research Council 1999). Factors related to language growth in the home environment include parent interaction, books, being read to, modeling; home language and literacy routines all closely parallel those of the classroom and school. The development of oral language is an ongoing natural learning process. Children observe oral communication in many contexts – home, preschool, prekindergarten, and begin to develop concepts about its purposes (Dyson, 1983; Halliday,1994;Martinez, 1983). Target skill areas such as sequencing, classification, and letter sounds oral language skills are all components of early childhood educational programs (Kelley and Zamar, 1994). Meaning is a social and cultural phenomenon and all construction of meaning is a social process. Developmental stages of child language development: Phase I – Protolinguistic or â€Å"Protolanguage†, Phase II – Transition, Phase III – Language. The Protolanguage Stage (which is associated with the crawling stage) includes noises and intonation, physical movement, adult/infant interaction – this exchange of attention is the beginning of language. During the Transition Stage (which is associated with the developmental stage of walking) there is a transition from child tongue to mother tongue. During this stage the â€Å"pragmatic† mode develops; a demand for goods and services that seeks a response in the form of an action. In Phase III – Language Stage, the child moves from talking about shared experience to sharing information with a third person. The child realizes that reality is beyond their own experience; they invite confirmation, enjoy shared experience. From the ontogenesis of conversation we are able to gain insight into human learning and human understanding. Meaning is created at the intersection of two contradictions – the experiential one, between the material and the conscious modes of experience, and the interpersonal one, between different personal histories of the interacting taking part (Halliday,1994). Properly developed oral language enables a child to effectively communicate their thoughts and viewpoints with others. It is also important for young children to have developed listening skills as they begin to experience the power of communication. The environment influences ones desire to communicate as well as the frequency of communication. Oral language develops through authentic experiences (Harste, Burke and Woodward, 1994). Kindergarten classroom environments that are alive with social interaction are ideal environments for nourishing speaking and listening skills. As children participate in communicative events, they slowly acquire an understanding of the relevance of these forms. Students need to be provided and encouraged to participate in environmental literacy activities, as those experiences are indispensable to language development (Brown and Briggs, 1987). Development of oral language skills must be addressed in Kindergarten as an integral part of the daily curriculum in order for students to be able to succeed throughout schooling and in todays society (Goodman, 1992; IRI and NAEYC,1998). Kindergarten programs need to be structured but not formal. Classrooms that are carefully structured allow for maximum oral language acquisition through authentic literacy activities that take place in natural ways during a school day (Ellermeyer, 1988). Education is inquiry based, and as such the focus with education becomes learning, and the task of teaching becomes the inquiry process. The learner is central, in the process of the learning-inquiry cycle (Harste, Burke and Woodward,1994). Students need to be provided and encouraged to participate in environmental literacy activities, as these experiences are indispensable to language development. Dyson (1983) conducted a study of the role early language plays in early writing. Through observations of children at a Kindergarten writing center she concluded that oral language is an integral part of the early writing process. Talk provided both meaning and for some children the systematic means for getting that meaning on paper. The child as a language learner progresses along a developmental continuum. Language acquisition is fundamentally a social process in which language is used to make and share meaning of experience (Corter and Park, 1993). Children require opportunities to interact with both peers and adults in a wide variety of settings as they learning and practice language and literacy knowledge, skills, and strategies (Brown and Briggs 1987; Coohn, 1981; Dyson, 1983; Ellermeyer, 1988). Children like to talk about themselves, their friends, their families, their pets, their hobbies, etc. Engaging young children in conversation about things with which they are familiar affords them a comfort level to experiment with ways to express themselves. Opportunities to increase oral language abilities and applications are embedded within the literacy program. Conversation, collaboration, and learning through others are integral to learning. A childs oral language ability is the basis for beginning literacy instruction, and as such initial informal assessments as well as ongoing assessment during the school year would provide key information regarding a childs oral language abilities.

Raymond George Neher :: essays research papers fc

Because roads, streets, highways, boulevards, and freeways are an everyday part of our life, they understandably are part of our art. In the foreground or the background, they secure our art to reality, serve as symbols, or twist and turn in ways never dreamed by the imagination. Raymond Neher used roads and highways as his subject in many of his paintings. He began painting for his own benefit, because he â€Å"Enjoyed putting brush to canvas.† Raymond George Neher was born in Orange, New Jersey on September 14, 1943; he was the only child to Rudolph Neher and Evelyn Posadzki. Neher was awarded his Bachelor of Architecture form the Carnegie Mellon University and his Masters from the Columbia University. He began his career as an architect in New York City. In 1973 he transferred to San Francisco, California, where he worked on the Master Plan for a New Community in Ahwaz, Iran. He was well known and appreciated for his work in historical restorations and adaptive reuse. His projects included work on art and science museums, hotels and spas, hospital and medical school, as well as construction administration. As an artist his career spanned nearly 40 years. Neher worked mostly in acrylic paint on canvas. His works have been shown in exhibitions all across the United States of America and are in private collections throughout the United States, as well as Amsterdam, Rome and Santorini, Greece. Neher joined the Fort Mason Prin tmakers in the early 1980’s and created etchings and monoprints that often complemented his canvas work. Many of his subjects sprang from his travels around California’s Central Valley Interstate 5 highway. His roadscapes paintings he created were on photo quality. The images he creates, whether it is a highway, a bridge or a suburban street, are always free of pollution, road kill and litter. The paintings are full of colour which makes the painting a bit surreal, as if the image is just too good to be true. All his roadscapes are from the perspective a person in a vehicle on the road, making the viewer feel more engaged with the painting, as if they are actually there. The painting above is called Mount Hood Highway. Neher has used such contrasting colours to layer the painting. His use of straight lines and angles on the road, pine trees and the snow covered mountain in the background brake up the painting causing the painting to be easier to take in by the viewer.

Essay on Climate Change

Climate is the average condition of temperature, amount of water vapor in air that is humidity and rainfall that has persisted over years and centuries and millenniums. Does climate ever change? Yes! It had changed! Earth, when newly made, was hot and red! Eventually it cooled and biological life started. Then Ice age eclipsed whole of the Earth, with chilled winds blowing all over the place. Gradually, the climate again changed to normal. Then the question arises, â€Å"What is actually normal temperature? † It might be the range of level of mercury in which life can persist.The climate, therefore, has changed, starting from hot to normal to cold and then it began reversing to normal and then what? What is going to be the next? Are we moving to the starting? The Earth may get that hot again. As we are seeing, these days, the issue of Global warming, green house effect is becoming the primary talk. But which force is changing the climate? The earlier stages of climate change w ere supposed to be caused by natural phenomena such as meteor strike, volcanoes, air currents and many others.But presently, what is causing climate change? None of the natural effects is taking place. But still, the temperature is rising, the Ice at the poles is melting, carbon dioxide levels are increasing and the ozone layer is being damaged. These all disasters are taking place due only one parasite, the HUMAN RACE. Humans are setting up industries, power plants, using excess of air conditioners, burning fossil fuels and flourishing cities just for the sake of the rise of temperature and increase of toxins in the air.A person driving a car, relaxing in the cool air of ACs and listening to the radio does not realize that he is emitting thirty seven grams of highly toxic carbon monoxide every four kilometers and amounts of sulfur dioxide. A youngster spending time on social networking on a computer doesn’t realize that he is emitting two hundred fifty kilograms of Carbon di oxide every year. These all will invite doom. Sulfur dioxide will combine with clouds and sulfuric acid would rain. The reaction of sulfuric acid with life would turn the latter into pillars of carbon. Due to rise in temperature, our lakes and seas would evaporate.Our monuments would fall. To prevent ourselves from doom, we should use everything sustainably. Now, what is sustainability? It means the use of resources judiciously so that they sustain for the generations to come. Let’s map a dream city that is sustainable and comfortable. The main issue that is swallowing most of the natural resources and emitting a huge amount of heat and harmful gases is the production of electricity from power plants. These days, most of the electricity for domestic and industrial use is being created from the combustion of coal. Coal is a fossil fuel and may end up soon if used in excess.Besides when burnt, it gives out many poisonous fumes including oxides of sulfur, nitrogen and carbon mon oxide. It also gives out CO2, a greenhouse gas. We can use nuclear energy to reduce the emissions of poisonous fumes but may not be able to reduce CO2 content. The other options that arise are solar and wind energy, but they are a diffused source and not permanent. Hydroelectric energy and tidal energy is also getting famous and are also good alternatives. Then arises the second most alarming issue, that is, pollution by automobiles. Petroleum is quite polluting and limited fossil fuels.One good alternative of this may be hydrogen. Hydrogen is one of the most abundant element on Earth and the fuel with one of the highest caloforic value. But it may seem bulky plus it is highly explosive. CNG and LPG are also good fuels but are also a part of fossil fuels. Third issue is the increase in usage of non – biodegrable materials such as plastics and synthetic fibres. Currently, usage of paper bags and jute bags is suggested to be the best. The last prominent issue is the scarcity of water. Water is being used in excess and soon potable water may perish.Good options are usage of special toilets designed to use less water in flush and usage of renewed water. So, my dream city would be like this: Everyone use electrical equipment judiciously. Electricity would be produced from Solar, Wind, and Tidal & Hydroelectric energy. Everyone would use jute and paper bags and won’t do unnecessary shopping. Every bit of paper would be recycled. Cars would run on hydrogen, battery and car pool would persist. Cycles would be preferred more. Toilets would use less water and no tap would be kept open unnecessarily. Luxurious, Global warming free, green and sustainable, a dream city would be†¦..

Lack Of Funding For Public Schools - 1652 Words

We have seen the economy suffer due to financial problems over the last couple of years. The financial struggles are affecting more than just the citizens of the United States but also the Public School system. â€Å"Americans have seen the economy slow significantly. Over the past 10 years, the unemployment rate has more than doubled† (Sherk). â€Å"Many states reported limited and diminishing funds for public schools as a result† (Hungerford and Wassmer). The lack of funding for public schools are requiring schools to redo there education systems, and causing them to change curriculum. The schools are trying to keep a well-rounded educations but are having a hard time keeping everything that they have had before. They are playing the which class should we cut game and they all are deciding to keep the usual English, Math, Science and of course History. But, they are cutting the music education program that has huge impacts on the students. Some schools are offering a small amount of music class but most of them ended up cutting all of them as a whole. Music is not a cheap program for students to get involved in they have to purchase their own instruments and supplies such as books, music and other supplies. When schools had budgets for their music education they supplied most of the tools needed for the students needed to succeed. Now that there is no money in schools are relying on private donors. If a school still does not have enough money they are making students either pay aShow MoreRelatedExecutive Summary : Funding For Education1543 Words   |  7 PagesExecutive Summary: Funding for Education Introduction In 1836 Texans listed the failure of the Mexican government to provide education as one of their grievances in the Texas Declaration of Independence from Mexico (Texas Education Agency). Since the founding of Texas, education has been an extremely important part of the state government. 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In 1836, one of the reasons Anglo-Texans wanted to become independent from Mexico was Mexico’s lack of a public school system (An Overview of the History of Public Education in Texas, 2016). This drove the desire of President Mirabeau B. Lamar of the Republic of Texas to create legislation that wouldRead MoreProblems Faced By The Public School System1135 Words   |  5 Pagesdiscrimination within the public school system, due to differences in funding for schools. Children who attend schools in poor communities are receiving less funding while the opposite is true of wealthy children. This situation is resulting in a glass ceiling effect that stops poor children from pursuing a higher education. A lack of quality education results in a population that fails to overcome t he boundaries that maintain them within a chain of poverty. As a result this lack of opportunity resultsRead MoreHow Sports And Extracurricular Activities1165 Words   |  5 PagesAnother obstacle that public high schools face is their budget allocation. Many times schools are either under funded by their district, which is mainly found in low income communities, or they just do not manage their funds in a way that maximizes their efficiency. The latter of the two usually occurs in schools that have a large focus on their athletics, campus construction, or unnecessary field trips or extracurricular activities. This is where the situation gets tricky. There are many that seeRead MoreThe Nclb Act Is The Largest Intervention By The Federal Government1366 Words   |  6 Pagesextension of the federal role into the realm of local educational accountability. High school graduation rates are also a requirement as an indicator of performance at secondary level. 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