The analysis of teaching service Essay Example | Topics and Well Written Essays - 1750 words

The examination of showing administration - Essay Example be that as it may, it really starts with prerequisite social occasion, examination, structure, coding, testing and acknowledgment (fundamentally what we have in Agile system also today). I was increasingly engaged with prerequisite social occasion and later on testing some portion of the procedure. In this manner I can say I was additionally associated with such task. Before I utilize one of the undertakings for instance and depict about the Work System that was utilized and its components, I needed to share some of encounters I’ve had with Systems Analysis and Design. Above all else I should I made sense of that regardless of how much a framework is an enormous or little, the hypothesis will consistently work on the off chance that we focus on them. The principles would work in the event that you know yours framework from the start and furthermore in the event that you recognize what the hypothesis is discussing; albeit these need understanding also. Having said that I trust Systems Analysis and Design is one of the most significant parts of any improvement venture. The better the examination the simpler the turn of events and market new items just as distinguish and enter new markets with existing and new items. There are various contemplations I have identified with framework investigation and structure. From a larger point of view I perceive that the frameworks procedure happens in about all situations. Along these lines I perceive that even brain science and family connections have been considered as far as frameworks components. Bronfenbrenner (1979, p. 34) set up Ecological Systems hypothesis as a plaguing method of inspecting human connections in the home and workplace. In such matters I perceive that the structure of workplaces, yet additionally the people interfacing inside these situations fall inside the space of frameworks components. Another significant acknowledgment I have had identified with framework examination and configuration is the connection of methodical sources of info and their working environment usefulness. Surely, Alter (2006, p. 1) demonstrated that one of the essential difficulties of framework investigation and configuration is insufficient plan of contributions inside the framework. Dick and Carey (2009) demonstrated that the absolute most significant factor of whether an orderly preparing information will be consolidated into the working environment condition is the setting of that working environment. Commonly I would say I have gotten preparing in a component that was later not legitimately important or bolstered in the working environment condition. After entering the work environment condition this efficient part was then ignored on account of inadequate structures. Eventually, at that point I perceive that one of the most basic components of frameworks and precise structure is guaranteeing that every one of the segments work together in an utilitarian and robotic manner. Part III. For a phila nthropic venture I was engaged with our particular work framework was a secondary teacher working in government funded training. Clients While there are not clients in the customary sense, there are comparative segments. Along these lines there are understudies accomplishing and accepting the learning. There are guardians inspired by their children’s training. There are executives and state training board individuals keen on guaranteeing the instruction gave thinks about well their expert competency. At long last, there are business associations worried about guaranteeing that there is an informed workforce to browse. Items and Services The items and administration are course explicit. As far as an arithmetic homeroom it is significant that understudies learn mathematical capacities, geometry, and conceivably analytics. Furthermore, they increase basic reasoning and critical thinking capacities. Along these lines the items and administrations are the instruction that is accom modated the understudies. This

The Life And Works Of Frederick Chopin Essays - Frdric Chopin

The Life And Works Of Frederick Chopin The Life and Works of Frederick Chopin The 1830s have been known as the time of the piano in light of the fact that during that period the piano and the music composed for it assumed a predominant job in European melodic culture. The piano had, obviously, as of now been well known for the greater part a century, yet by the third decade of the nineteenth century, changes in the instrument and its crowd changed the piano's job in melodic life. As the Industrial Revolution hit its sweet spot, piano makers created strategies for building a lot a greater number of pianos than had recently been attainable, and at lower cost. Pianos stopped to be the selective area of the affluent; a growing working class could likewise seek to claim them and make music at home. A great many novice piano players started to take exercises, purchase printed music, and go to shows. Virtuosos like Friedrich Kalkbrenner, Sigismund Thalberg, and Franz Liszt turned into the principal melodic hotshots, visiting Europe and amazing crowds with music they had made to show their piano strategy. Frederick Chopin was conceived in a little town named Zelazowa Wola situated in Poland on March first, 1810. His energetic love of music showed itself at an early age. There are stories, for example, of how when his mom and sister played moves on their stupendous piano he would begin crying uncontrollably for the sheer magnificence of the sounds he heard. Before long he started to investigate the console for himself and had a great time testing. By the age of seven he had gotten adequately useful for his folks to attempt to discover him an educator. Their decision fell on Adalbert Zywny, a Bohemian writer at that point matured sixty-one and now recalled exclusively as Chopins first educator. Inside a couple of long stretches of starting his examinations with Zywny, Chopin started to play out in the open, and before the finish of 1817, at seven years old, had just been depicted by numerous individuals as Mozarts replacement. Chopin started to form around this time, and kept on doing as such all through his understudy years, yet just a bunch of these works were printed. In the harvest time of 1826, Chopin started considering the hypothesis of music, figured bass, and creation at the Warsaw High School of Music. Its head was the writer J?zef Elsner. Chopin, notwithstanding, didn't go to the piano class. Mindful of the uncommon idea of Chopin's ability, Elsner permitted him, as per his character and demeanor, to focus on piano music yet was unyielding as respects hypothetical subjects, specifically contrast. Chopin, blessed ordinarily with eminent melodic development, simplicity of free ad lib, and a tendency towards splendid impacts and impeccable agreement, picked up in Elsner's school a strong establishing, control, and accuracy of development, just as a comprehension of the importance and rationale of each note. This was the time of the main expanded works, for example, the Sonata in C minor, Variations, on a topic from Don Juan by Mozart, the Rondo ? la Krakowiak, the Fantaisie, and the Trio in G minor. Chopin finished his instruction at the High School in 1829, and after the third year of his investigations Elsner wrote in a report: Chopin, Fryderyk, third year understudy, astonishing ability, melodic virtuoso. In the wake of finishing his investigations, Chopin arranged a more drawn out remain abroad to get familiar with the melodic existence of Europe and to win distinction. Up to at that point, he had never left Poland, except for two brief remains in Prussia. In 1826, he had spent an occasion in Bad Reinertz (present day Duszniki-Zdr?j) in Lower Silesia, and after two years he had went with his dad's companion, Professor Feliks Jarocki, on his excursion to Berlin to go to a congress of naturalists. Here, very obscure to the Prussian open, he focused on watching the neighborhood melodic scene. Presently he sought after bolder plans. In July 1829 he made a short outing to Vienna in the organization of his colleagues. Wilhelm W?rfel, who had been remaining there for a long time, acquainted him with the melodic condition, and empowered Chopin to give two exhibitions in the K?rtnertortheater. He making the most of his enormous accomplishment with general society, and in spite of the fact that the pundits scolded his presentation for its little volume of sound, they acclaimed him as a virtuoso

8 Basic Psychology Facts You Should Know

8 Basic Psychology Facts You Should Know August 14, 2019 Hero Images/Getty Images More in Psychology Basics Psychotherapy Student Resources History and Biographies Theories Phobias Emotions Sleep and Dreaming Psychology is a source of fascination for many people, and for good reason. By learning more about the basics of the human mind and behavior, people are able to gain a greater understanding of themselves and others. Psychologists also play a vital role in the health care system by helping individuals experiencing mental health issues, performing psychotherapy, investigating different treatment options, and teaching patients how to manage their symptoms effectively. For some people, an interest in psychology is fueled by a desire to pursue a career in the field. Others may simply want to learn more out of curiosity or because they are thinking about consulting a psychologist for help with a health concern. No matter what the reason, building a better understanding of topics such as emotion, motivation, cognition, love, communication, and research methods will serve you well in many different areas of life. Psychology may seem like a vast and daunting topic at first, but understanding a few basic facts can make it easier to get started. The following are just a few of the important things you need to know about this fascinating subject. Once you have a strong understanding of the basics, you will be better prepared to explore different ways that psychology may help improve your everyday life, health, and well-being. Psychology Is the Study of the Mind and Behavior First, lets start by addressing exactly what psychology involves. Psychology can be defined as the study of mental processes and behavior. The term psychology comes from the Greek word psyche meaning breath, spirit, soul and the word logia meaning study of. Psychology has not always existed as it has today. In fact, it is considered a relatively young discipline, although as one eminent psychologist explained, it has a short past but a long history. Psychology emerged from biology and philosophy and is closely linked to other disciplines including sociology, medicine, linguistics, and anthropology. While psychology may be a young subject in the grand scheme of things, it has grown to play a tremendous role in the world today. Psychologists are employed in hospitals, mental health clinics, schools, colleges and universities, government agencies, private businesses, and private practice and perform a wide variety of tasks and roles ranging from treating mental illness to influencing public health policy. Psychology Relies on Scientific Methods One of the most common myths about psychology is that it is just common sense. The problem with this is that psychological research has helped demonstrate that many of the things that we believe are just common sense are actually not true at all. After all, if common sense were as common as people say it is, then people wouldn’t engage in behaviors that they know are bad for them like smoking or eating junk food. By challenging some of our misconceptions about how and why people behave as they do, psychologists are able to provide answers that help solve real-world problems. Unlike common sense, psychology relies on scientific methods to investigate questions and arrive at conclusions. It is through using empirical methods that researchers are able to discover relationships between different variables. Psychologists use a range of techniques to study the human mind and behavior, including naturalistic observation, experiments, case studies, and questionnaires.?? Psychologists Tackle Problems From Multiple Perspectives Topics and questions in psychology can be looked at in a number of different ways. Lets take the topic of violence as an example. Some psychologists may look at how biological influences contribute to violence, while other psychologists might look at how factors such as culture, family relationships, social pressure, and situational variables influence violence. Some of the major perspectives in psychology?? include the: Biological perspectiveCognitive perspectiveBehavioral perspectiveEvolutionary perspectiveHumanistic perspective Each perspective helps contribute a new level of understanding to a topic. Imagine, for example, that psychologists are trying to understand the different factors that contribute to bullying. Some researchers might take a biological perspective and look at how genetics and the brain contribute to this type of behavior. Another psychologist might take a behavioral perspective and look at the different ways that bullying behaviors are reinforced by the environment. Other researchers might take a social perspective and analyze the impact that group pressure might have on bullying behaviors. No single perspective is right. Each contributes to how we understand a topic and allows researchers to analyze the myriad influences that contribute to certain actions and come up with multi-faceted solutions to combat problematic actions and encourage better outcomes and healthier behaviors. Psychology Subfields Treat Different Problems In addition to many different perspectives, there are many branches of psychology. Psychologists often opt to specialize in a particular area. The type of psychologist that you need may depend upon the type of problem you are facing. Some of the biggest subfields within psychology are clinical psychology, personality psychology, cognitive psychology, developmental psychology, and social psychology.?? If you are experiencing emotional or psychological symptoms, you might need to refer to a clinical or counseling psychologist. If you have a question about whether your child is developing normally, then you might want to ask a developmental psychologist. Some psychologists work in the field of mental health to treat patients experiencing psychiatric disorders and psychological distress. Subfields such as clinical, counseling, and health psychology are focused on helping people with mental and physical health issues. Other psychologists work in applied subfields, such as forensic psychology and industrial-organizational psychology, to solve real-world problems. Still other psychologists focus their work on research to contribute to our understanding of the human mind and behavior. Such psychologists may specialize in a particular area such as development, social behavior, cognition, or personality. Psychology Is About More Than Mental Health When you think of psychology, do you envision a therapist jotting down notes as a client recounts childhood experiences? While therapy is certainly a big part of psychology, it is not the only thing that psychologists do. In fact, many psychologists dont work in the field of mental health at all. Psychology encompasses other areas including teaching, research, and consulting. Psychologists work in a wide variety of settings, including: Colleges and universitiesPrivate corporationsK-12 SchoolsHospitalsGovernment offices Mental health is certainly a major area of interest in psychology, but psychologists also do things such as help athletes hone their motivation and mental focus, help design products that are safe and useful and help businesses understand how to influence consumers. Psychology Is All Around You Psychology is not just an academic subject that exists only in classrooms, research labs, and mental health offices. The principles of psychology can be seen all around you in everyday situations. The television commercials and print ads you see every day rely on psychology to develop marketing messages that influence and persuade people to purchase the advertised products. The websites you visit on a regular basis utilize psychology to understand how people read, use, and interpret online information. Psychology can also play a role in improving your health and well-being. For example, understanding some of the basic principles of behavioral psychology might come in handy if you are trying to break a bad habit and establish new routines. Knowing more about some of the things that motivate behavior can be useful if you are trying to stick to a weight loss plan or exercise regimen. Overcoming phobias, managing stress, improving communication skills, and making better decisions are just a few of the things with which psychology can help. If You Have a Problem, Theres Probably a Psychologist Who Can Help There are many different types of psychologists; each one focused on solving different types of problems in the world. For example, if your child is experiencing problems at school, you might seek advice from a school psychologist who specializes in helping kids deal with academic, social, emotional, and other issues. If you are concerned about an elderly parent or grandparent, you might want to consult with a developmental psychologist who is specially trained and knowledgeable in issues related to the aging process. In order to determine which professional is right for your needs, it helps to understand some of the different training and licensing requirements for different specialty areas. If you are trying to select a psychotherapist, it may also be helpful to learn more about which professionals are able to provide therapy services. If you are thinking about majoring in psychology, then you should be pleased to discover that there are many career paths to choose from. Different career options depend largely on your educational level and work experience, so it is important to research the required training and licensing requirements of your chosen specialty area. Just a few of the possible career options include clinical psychology, forensic psychology, health psychology, and industrial-organizational psychology. Psychologists Focus On Making Human Lives Better Among the major goals of psychology are to describe, explain, predict, and improve human behavior. Some psychologists accomplish this by contributing to our basic understanding of how people think, feel, and behave. Other psychologists work in applied settings to solve real-world problems that have an impact on everyday life. And finally, many psychologists devote their lives to helping people who are struggling with psychological issues. You may find these professionals working in hospitals, mental health clinics, private practices, and other settings to diagnose psychological disorders and provide psychotherapy to people from all walks of life.?? While the work of psychologists may be highly varied, they all share one overriding goal: to help people live better lives. A Word From Verywell As you can see, psychology is a rich and fascinating subject that has practical applications in many areas of life. If you have ever wanted to learn more about why people think and act the way they do, then studying psychology is a great way to gain greater insight into the human experience. Psychology has a powerful impact on the world today, which is why it is so important to understand the role that this discipline plays in areas including academics, research, and mental health. Our daily lives are deeply impacted by the interaction of our biology, our relationships, and our mental processes. Psychologists are skilled at understanding the role these factors play in influencing health, happiness, and overall well-being. By learning more about the basics of psychology, you can gain a richer understanding of the many ways that this subject can affect your own life.

The Importance of Credit Risk - Free Essay Example

Sample details Pages: 7 Words: 2160 Downloads: 8 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Credit risk implies a potential risk that the counterparty of a loan agreement is likely to fail to meet its obligations as per the original loan agreement, and may eventually default on the obligation. Credit risks can be classified into many forms such as options , equities , mutual funds , bonds , loans and other financial issues as well , which in extensions of guarantees and the settlement of these transactions. (International Auditing Practice Statement 1006 Audits of the Financial Statements of Banks) IS IT Important For the Banks To manage Their Credit Risks ? Risk is always associated with the banking activities, and taking risk is the important part of any banking operation, there is hardly any banking operation without the risk. Most of the bankers are said to be sound when they have a clear overview of what is the amount of risk involved in the current transaction and they make sure that some of the partly earnings are therefore kept for these risks. The granting of any form of credit is the common form for any bank and this risk is very common and this is the source of risks the banks are always exposed to. (Anderson et al, 2001). Don’t waste time! Our writers will create an original "The Importance of Credit Risk" essay for you Create order By being exposed to credit risk banks have been faced with a lot of problems. The banks couple of years ago realised that credit risk is important and the banks need to monitor, identify, control and measure it is very significant. Due to this the effective management of credit risk has become a critical component of approaching risk management. This approach will be especially important in terms of the long term success of any bank. Banks now ensure that they have large amount of capital against any form of credit risks so that they can be in a position to adequately tackle any risks which will be incurred. (Bank for International Settlement, 1999) The credit risk is in the entire portfolio of any bank and also the risk which is associated in individual credits or any other transactions have to be managed adequately. It is always a ascertained that the relationship between the credit risk and other forms of risks need be to considered very seriously in to account, in order to Increase shareholder value through value creation, value preservation and value optimization Increase confidence in the market place Alleviate regulatory constraints and distortions (Amitabh Bhargava ICICI, 2000) The Basel II Accord specifies that banks must have new procedures for measuring against credit risks. Advantages and Disadvantages of Credit Risk Management The advantages of Credit risk management include: Credit risk management allows predicting and forecasting and also measuring the potential risk factor in any transaction. The banks management can also make use of certain credit models which can act as a valuable tool which can be used to determine the level of lending measuring the risk. It is always better to have some alternative techniques and strategies for transferring credit, pricing and hedging options. The disadvantages of Credit risk management include: Deciding on how good a risk you are cannot be entirely scientific, so the bank must also use judgments. Cost and Control associated with operating a credit scoring system. With the existence of different models, it?s hard to decide which to use, more often than not, companies will take a one model fits all approach to credit risk, which can result in wrong decisions. How Banks Measure Credit Risk The level of credit risk faced by a bank is provided by the structure of a bank?s credit portfolio. If the portfolio consists of large amount of loans in a certain asset class then this might be an indication of an increased risk. Similarly the presence of complex financial transactions such as lending may also indicate a larger risk. In general a risk always comprises of two kinds: One is risk exposure and the other one is the uncertainty element, and for the credit risk and the credit quality represents the uncertainty element and credit exposure represents risk exposure. Therefore a bank can assess its credit risk by analysing the credit quality of an obligation and its credit exposure. While assessing credit quality and exposure a bank must consider three issues: Probability of default or any sort of possibility whether the other party which is the counter party will default on the obligation either over the life of the obligation over a specific period of time. The exposure of credit or the amount of the outstanding obligation which again depends on the size if there is any case of default. Rate of recovery this is the extent towards which the credit can be recovered through some banking processes like bankruptcy and other proceedings of settlements. In the last decade or so many banks have started to make use of models in order to assess the risks for their credit which they lend. The credit risk models are very complex and include algorithm based methods of assessing credit risk. The aim of such model is to help banks in quantifying, aggregating and managing credit risk. Despite the method the focus of credit risk assessment stays credit quality and risk exposure. Analysis of the Quality of Credit (Credit Quality) Credit quality is a measure of the that counterparties?s ability to perform on that obligation?. (Contingency Analysis, 2003) A bank adopts different approaches for assessing credit quality of considering loans to individuals or businesses. If it is for small businesses then the credit quality will be assessed through a process of credit scoring. This is based on information obtained by the bank about the party who want the loan. The information which is gathered tends to be about annual income, existing debts etc. Credit score is generally calculated by a formula which is applied to the information which is obtained which gives a number based on it the score is generated. The credit score is a highly accurate prediction of how likely the party is to pay bills, the higher the score the better it looks to the bank. (Curry, 2007) However, assessing a large party is based on credit analysis of the loan done by specially designated credit analysts. This just like mention above is base on credit scoring but it involves human judgement. It involves an in depth analysis of various aspect of the party in question including balance sheet, income statement etc. Also assessing the nature of the obligation is taken into account as well. On basis of credit analysis the analyst assigns that party a credit rating. This allows the bank to make decisions regarding credit. A bank can also use credit ratings to measure the share of the borrowers with creditworthiness in its portfolio and get a clear indication of default risk. Measuring Credit Exposure Credit exposure also needs to be taken into account when assessing credit risk or risk exposure. If for example a bank has loaned money to a business, the bank may calculate the credit exposure rate as the outstanding balance on the loan amount. However, in case if the bank by any chance has increased or extended the line of credit but none of the line have been drawn down then the approach will be different. In this case the risk exposure may seem to be nil, but it does not reflect any sort of right by itself to draw down the line of credit. If the firm gets into any financial difficulty it can be expected to draw on the credit line before any bankruptcy. Therefore in this case the bank may consider its credit exposure to be equal to the line of the credit. Credit exposure as a fraction can also be used sometimes to calculate the credit exposure for the total line of credit. (Duffie Singleton, 2003) How Banks Mange Their Credit Risk Credit risk management practices differ from bank to bank. Generally these type of practices are dependent on the type and complexity of the credit activities which are taken by the banks. In recent years banks have been using models for credit risk management. Bank Credit Risk Management Practices: Yesterday and Today The traditional approach to managing credit risk has been based on establishing a limit of credit at various levels for the individual borrowers an sometimes also based on geographical are and industry type. Also collateral and relationship exiting hardly seem adequate to cope with the declining economics of loan markets. (Gontarek, 1999) These limits specify the maximum exposures a bank is willing to take. Until the early 1990?s , credit risk analysis was limited only based on the reviews of the loans of individuals and most of the banks kept the loans on their books for maturity. (Bernanke, 2006) In recent years banking industry has made strides in managing credit risk. Managing the credit risks is the main focus of any banking operation these days and many banking?s are looking now from transaction management to portfolio management. And have slowly changed from monitoring to practising and also predicting their performance. Banks are still holding onto traditional credit risk management tools but these are becoming more and more sophisticated. Various forms of tools and models have been generated to measure and predict the performance and management of portfolio risks which in turn build competitive advantage. Despite the differences in the credit risk management practices the credit risk management in any bank rest on four pillar of: appropriate credit risk environment Sound credit-granting process or criteria that includes a clear indication of the bank?s target market Appropriate credit administration, measurement and monitoring process Adequate controls over credit risk. (Basel Committee on Banking Supervision, 2000) Therefore whether traditional or modern, credit risk management in banks involves reviewing creditworthiness of counterparties, setting credit limits for counterparties, evaluation of credit risk and reporting credit limits and exposures to management. (Caouette et al, 1998) Recent Trends in Credit Risk Management by Banks The credit risk management is undergoing an important change in the banking industry. Banks have clearly indicated that centralization, standardization, consolidation, timeliness, active portfolio management and efficient tools for exposures are the key best practice in credit risk management. (SAS, 2004) A bank in America is considering having efficient tools for ?what if? analysis and tools. Also another bank is focusing on stress testing, concentration risk, macro-hedges and capital market risk management. (SAS, 2004) The majority of the world?s large banks agree that integrating environmental and broader social issues into their core credit risk management process is essential to managing credit risk in the 21stcentury. (Huppman, 2005) Leading banks including Barclays now view that these non traditional issues as real credit risk variables that potentially affect their client?s bottom lines as well as their own. Quantitative models are being used by banks to measure and manage credit risk. Most of the Commercial bankers have started to opt for making use of the credit risk models for their credit options especially with relation to consumer lending and mortgage. These models are known as credit scoring models and were developed for consumer lending. On the other hand it has been a few years ago where the use of these credit risks models have been implemented successfully and are integrated these days with almost every bank to manage their risk. (Bluhm et al , 2003) In 2001, the UK?s biggest mortgage bank, Halifax, developed a forward looking credit risk management strategy which made use of quantitative models for risk management. (Algorithmics Incoporate, 2001) Similarly HSBC serves over 125 million customers worldwide and is the one of the world?s largest banking and financial services organizations. The world largest provider of quantitative credit risk solutions to lenders (Moody?s KMV) have decide to provide HSBC with this, which will provides HSBC a methodology for rapid, accurate measurement and benchmarking of credit risk portfolio. (Vyse, 2006) Role Of Management in Managing Credit Risk The board of directors of a bank approve and review the credit risk strategy and significant credit risk policies of the bank. The bank?s strategy reflects the bank?s tolerance for risk and the level of profitability the bank expects to achieve for incurring credit risks. These days banks establish and enforce internal controls and other practices to ensure that exceptions to policies, procedures and limits are reported in a timely manner to the management. Due to this credit risk is constantly monitored by the management. Innovations in Technology and Credit Risk Management Credit risk management in banks is also getting affected by innovations in technology. Innovations in technology have made significant improvements in bank information systems. This has also been encouraged by Basel II. The improvements in bank information systems has certainly increased the abilities of many banks and their management process to measure and identify and also control the characteristics of any kind of risk. For example ICBC (Industrial and Commercial Bank of China) the credit management computer system was further perfected with risk alert and conversion functions and it performed effective real-time monitoring on the quality and operations of the credit assets. (ICBC, 2001)

The Gospel By Martin Luther - 952 Words

Always preach in such a way that if the people listening do not come to hate their sin, they will instead hate you – Martin Luther. When I first read this quote, a thought of me in high school came to my mind. When I was in high school my catholic religion teacher use to constantly give me detentions because I didn’t want to take flowers to a Virgin Mary statue. I use to end up getting in an argument and actually telling her that one of the commandments say do not worship any idols, and she will fight back saying it is part of the gospel. But did she really know what the gospel was? A very good question to ask a Christian is: What is the gospel? Shockingly many Christian have the same belief, but different answers. Reading this book opened up my eyes and helped me understand more about what the gospel is. In this book it explains in four chapters these four main points: God, Men, Christ, Men. First, it explains who God is, he is the creator of the heaven, earth, human and animals, he is also perfect, almighty, and compassionate. Yes, all those things are true about god, but there is also a view of god that people do not like to hear. God does not leave the wicked unpunished. God loves righteousness and justice. In Genesis 6:11 the bible says that the world was corrupted and full of violence so god said to Noah that he was going to put an end to it and he did. Since god is a perfect god and cannot see sin in order to clean the world of sin he had to send down his wrath. OnShow MoreRelatedMartin Luther And His Influence On Peasant Results951 Words   |  4 PagesDecember 11, 2015 Martin Luther and His Influence on Peasant Results Martin Luther was one of the most influential people in Christian history, when he began the Protestant Reformation in the sixteenth century. 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In fact, he applies it to everyone who approves of racism, and considers the methods of nonviolent struggle to be too radical and far fetched from achieving an actual goalRead MoreMartin Luther King Jr.s States Segregation Not Only Hurts Blacks but also Wh ites597 Words   |  3 PagesMartin Luther King Jr. On April 16, 1963 Martin Luther King Jr. wrote his famous Letter from Birmingham Jail, in which he responded to the Southern Clergy men’s letter appealing to the end of the demonstrations to end the demonstrations against segregation. King responded with his own letter pleading with the clergy to end segregation. In his letter he used examples of pathos, ethos, and logos to express himself to the clergymen. He also used his knowledge as a minister and a leader in his community

Fluke, or, I Know Why the Winged Whale Sings Chapter 33 Free Essays

string(105) " when he was losing the point – much the way he was waving in the conversational wind right now\." CHAPTER THIRTY-THREE Could Be Worse, Could Be Dog Years â€Å"Evidently,† said Nate, â€Å"where we screwed up was killing the whales.† â€Å"No way,† said Amy. â€Å"We tipped our hand. We will write a custom essay sample on Fluke, or, I Know Why the Winged Whale Sings Chapter 33 or any similar topic only for you Order Now † â€Å"About being meme machines, right?† â€Å"Yeah. Are you sure you’re not spying for him?† â€Å"Nope. Know how you can tell? When I was spying, did I ever touch you here?† â€Å"No. No, you did not.† â€Å"And did I ever let you touch me here?† She moved his hand for him. â€Å"No, you did not. Especially not in public.† â€Å"Yeah, we should probably go back to your place.† She had called him on his buzzy, bug-winged speaky thing, about which he made a mental note to ask what the name of it was at his first convenience. They’d met for coffee at a Gooville caf that catered to whaley boys. She’d assured him that no one would notice them, and, strangely enough, the whaley boys had completely ignored them. Maybe he was no longer news. â€Å"If they say anything, I’ll just tell them that we’re having sex,† Amy said. â€Å"But you said you didn’t think I should tell the Colonel I’d seen you.† â€Å"Yeah, but that was before he let you in on his secret plan.† â€Å"Right.† â€Å"Although I’m a little ashamed of how old you are. We should talk about that.† â€Å"So should I move my hand?† â€Å"Yeah, down and a little to the right.† â€Å"Let’s head back to my place.† Back at his apartment, standing in the kitchen, he said, â€Å"Hey, what do you call this thing?† He pointed to that thing. â€Å"The phone.† â€Å"No kidding?† He nodded as if he’d known that all along. â€Å"So where were we?† â€Å"Killing whales was where we went wrong?† â€Å"Yes.† â€Å"Or how old you are?† â€Å"So,† he continued, â€Å"killing whales was a big mistake.† â€Å"Which you knew, because that’s what made you want to become a nerd in the first place.† â€Å"No, that’s not right.† † ‘Scuse me, action nerd.† â€Å"You want to know how I got into this field, really?† â€Å"No. I mean, sure. You can tell me about the destruction of the human race later.† â€Å"You have to promise you won’t laugh.† â€Å"Of course.† She looked incredibly sincere. â€Å"My sophomore year at the University of Sasketchewan in the Sticks – ; â€Å"You’re kidding.† â€Å"It’s a good school. You promised you wouldn’t laugh.† â€Å"Oh, you meant even this early in the story I’m not supposed to laugh? Sorry.† â€Å"I mean, I’m sure it doesn’t measure up to Gooville Community College –  » â€Å"Not fair.† â€Å"Home of the Gooville Fighting Loogies – ; â€Å"Okay, you made your point.† â€Å"Thank you. So a friend and I decided that we’re going to go to break out of our boring small-college lives, we were going to take some risks, we were going to –  » â€Å"Talk to a girl?† â€Å"No. We decided to drive all the way to Florida for spring break just like American kids, where we would then drink beer, get sunburned, and then talk to a girl – girls.† â€Å"So you went.† â€Å"Took almost a week to get there, but yes, we drove in his dad’s Vista Cruiser station wagon. And I did indeed meet a girl. In Fort Lauderdale. A girl from Fort Lauderdale. And I talked to her.† â€Å"You dirty little tramp. Like, ‘How’s it going, eh?  » â€Å"Among other things. We conversed. And so she invited me to go see a manatee.† â€Å"He shoots! He scores!† â€Å"But I thought it was an American way of saying matinee. I thought we were going to a movie. You know, you don’t think about those things as being real.† â€Å"But it was.† â€Å"She did volunteer work for a rescue hospital for injured marine mammals, mostly manatees that had been hit by boats. They had a bottlenose dolphin, too. We stayed there for hours, caring for the animals, her teaching me about them. I was hooked. I hadn’t even picked my undergrad major, but as soon as I got back to school, I went for biology, and I’ve been studying marine mammals ever since.† â€Å"Oh, my God, you didn’t get laid, did you?† â€Å"I found a passion for life. I found something that drives me.† â€Å"I can’t believe I fell for such a pathetic loser.† â€Å"Hey, I’m pretty good at this whale stuff. I’m respected in my field.† â€Å"But you’re dead.† â€Å"Yeah, before then, I mean. Hey, did you say that you fell for me?† â€Å"I said I fell for a pathetic loser, if the shoe fits†¦Ã¢â‚¬  He kissed her. She kissed him back. That went on for a while. They both found it excellent. Then they stopped. â€Å"You said you wanted to talk about our age difference,† Nate said, because he always picked women who broke his heart, and, figuring that his heart was now into this whole thing far enough to be broken, he wanted to get on with it. â€Å"Yeah, we probably should. Maybe we should sit down.† â€Å"Couch?† â€Å"No, at the table. You might want a drink.† â€Å"No, I’m okay.† Yep, heartbreak, he thought. They sat. â€Å"So,† she said, curling her legs up under her, sitting like a little kid, making him feel ever more the creepy old guy leching on the young girl, â€Å"you know that the whaley boys have been pulling people in here from shipwrecks and plane crashes for years, right?† â€Å"That’s what Cielle said.† â€Å"She wants you, I can tell, but that’s beside the point. Do you know that they pulled whole crews off sunken submarines, plus they’ve yanked sonar guys out of port for years?† â€Å"I didn’t know that.† â€Å"Doesn’t matter, has nothing to do with what I’m telling you. So you realize that some people who have been lost at sea, like the crew of the American sub Scorpion that sank back in 67, actually ended up here?† â€Å"Okay. That makes sense. More of the Goo looking out for itself. Gaining knowledge.† â€Å"Yeah, but that’s not the point. I mean, those guys helped put together a lot of the technology you saw on the whale ship, the human technology, but that doesn’t matter. The important part is that the world thinks that the crew of the Scorpion is at the bottom of the Atlantic Ocean, even though they’re not. Got it?† â€Å"Okay,† Nate said, really slowly, the way he had spoken to the Colonel when he was losing the point – much the way he was waving in the conversational wind right now. You read "Fluke, or, I Know Why the Winged Whale Sings Chapter 33" in category "Essay examples" â€Å"And you realize that when I applied with you and Clay, that I gave my real name, which is Amy Earhart, and that Amy is short for Amelia?† â€Å"Oh, my God,† Nate said. â€Å"Ha!† Amy said. The ship broker found Clay’s ship in the Philippines, in Manila Harbor. Clay bought it based on faxed photographs, a spec sheet, and a recent hull certification for just under $2 million of the Old Broad’s money. It was a 180-foot-long U.S. Coast Guard fisheries patrol vessel built in the late fifties. It had been refitted several times since then, once in the seventies for fishing, once in the eighties for ocean survey, and finally in the nineties as a live-aboard dive boat for the adventure tourist. It had plenty of comfortable cabins as well as compressors, dive platforms, and cranes to raise and lower support vessels onto the rear deck, although, except for the lifeboats, it came with no support craft. Clay thought they could use the rear deck as a helicopter-landing pad, even if there wasn’t a budget for a helicopter, but – you know – someone with a helicopter might want to land there, and it helped no end to have a big H painted on the dec k. There was a budget for painting a big H. The ship had efficient, if not quite state-of-the-art, navigation equipment, radar, autopilot, and some old but functioning sonar arrays left over from its days as a fishing ship. It had twin twelve-hundred-horsepower diesel engines and could distill up to twenty tons of freshwater a day for the crew and passengers. There were cabins and support for forty. It was also rated a class-three icebreaker, which was a feature that Clay hoped they wouldn’t have to test. He really didn’t like cold water. Through another broker Clay hired the crew of ten men, sight unseen, right off the docks of Manila: a group of brothers, cousins, and uncles with the last name of Mangabay, among whom the broker guaranteed that there were no murderers, or at least no convicted murderers, and only petty thieves. The eldest uncle, Ray Mangabay, who would be Clay’s first mate, would sail the ship to Honolulu, where Clay would meet them. â€Å"He’s going to be driving my ship,† Clay said to Clair after he’d gotten the news that he had a crew and a first mate. â€Å"You have to let your ship go, Clay,† Clair said. â€Å"If he sinks it, it wasn’t really yours.† â€Å"But it’s my ship.† â€Å"What are you going to call it?† He was thinking about the Intrepid or the Merciless or some other big-dick, blow-shit-up kind of name. He was thinking about Loyal or Relentless or the Never Surrender, because he was determined now to find his friend, and he didn’t mind putting that right on the bow. â€Å"Well, I was thinking about – ; â€Å"You were thinking deeply about it, weren’t you?† Clair interrupted. â€Å"Yes, I thought I’d call her the Beautiful Clair.† â€Å"Just the Clair will be fine, baby. You don’t want the bow to look busy.† â€Å"Right. The Clair.† Strangely enough, on second thought, that pretty much encompassed Intrepid, Merciless, Relentless, and Loyal. Plus, it had the underlying meaning of keeper of the booty, which was sort of a bonus in a ship name, he thought. â€Å"Yeah, that’s a good name for her.† â€Å"How long before she gets here?† â€Å"Two weeks. She’s not fast. Twelve knots cruising. If we have somewhere to go, I’ll send the ship directly there and meet it at a port along the way.† â€Å"Well, now that she’s called the Clair, I hope they bring her in safe.† â€Å"My ship,† Clay said anxiously. â€Å"So,† Nate said, â€Å"You’re what, in your nineties? A hundred?† â€Å"Don’t look it, do I?† Amy posed: a coquettish half curtsy with a Betty Boop bump at the end. Indeed, it would have been a spry move for a woman in her nineties. Nate was really glad he was sitting down, but he missed the sensation he would have had of needing to sit down. â€Å"Your whole attraction was based on my age, wasn’t it?† She sat across from him. â€Å"You were working out your male menopause on the fantasy of my young body. Somehow you were going to try to recapture your youth. Once again you’d feel like more than a footnote to humanity. You’d be virile and vital and relevant and all alpha male, just because a younger – and decidedly luscious, I might add – woman had chosen you, right?† â€Å"Nuh-uh,† Nate said. She was wrong, right? â€Å"Wow, Nate, were you on the debate team at Moose Dirt U? I mean, your talent –  » â€Å"Sasketchewan in the Sticks,† he corrected. â€Å"So the age thing? It’s a problem?† â€Å"You’re like a hundred. My grandma isn’t even a hundred, and she’s dead.† â€Å"No, I’m not really that old.† She grinned and reached across the table, took his hand. â€Å"It’s okay, Nate. I’m not Amelia Earhart.† â€Å"You’re not?† Nate felt his lungs expand, as if a steel band around his chest had broken. He’d been taking tiny yip breaths, but now oxygen was returning to his brain. Funny, he was pretty sure that none of the other women he’d been with had been Amelia Earhart either, but he didn’t remember feeling quite so relieved about it before. â€Å"Well, I should have known. I mean, you don’t look anything like the pictures. No goggles.† â€Å"I was just messin’ with you. I’m her daughter. Ha!† â€Å"Stop it! This isn’t funny, Amy. If you’re trying to make a point, you’ve made it. Yes, you’re an attractive young woman, and maybe your youth’s a part of why I’m attracted to you, but that’s just biology. You can’t blame me for that. I didn’t make a move on you, I didn’t harass you when we were working together. I treated you exactly as I would have treated any research assistant, except maybe you got away with more because I liked you. You can’t ridicule me for responding to you sexually down here when you came on to me. The rules had changed.† â€Å"I’m not ridiculing you. Amelia Earhart really is my mother.† â€Å"Stop it.† â€Å"You want to meet her?† Nate searched her face for signs of a grin or a tremble in her throat that might indicate the rise of an Amy Ha! Nothing there, just that little bit of sweetness that she usually tried to hide. â€Å"So somehow, living down here, you haven’t aged. Your mother?† â€Å"We age, but not like on the surface. I was born in 1940. I’m about the same number of years older than you than you were older than me a half hour ago – kinda sorta. You going to dump me?† â€Å"It’s so hard to believe.† â€Å"Why, after you’ve seen all this? You’ve seen what the Goo can do. Why is it so hard to believe that I’m sixty-four?† â€Å"Well, for one, you’re so immature.† â€Å"Shut up. I’m young at heart.† â€Å"But for a second there I was so sure we were doomed.† Nate rubbed his temples – trying to stretch them, maybe – to make his head bigger to hold the whole concept of Amy’s being sixty-four. â€Å"No, it’s okay, we just haven’t gotten to that yet. We’re still doomed.† â€Å"Oh, thank goodness,† Nate said. â€Å"I was worried.† Later, after they had pushed the world away for a while, made love and napped in each other’s arms, Amy made a move to start another round, and Nate awoke to an immediate and uncertain anxiety. â€Å"Are we really doomed?† he asked. â€Å"Oh, goddamn it Nate!† She was straddling him, so she was able to get a good windup before thumping him hard in the chest with her fist. â€Å"That’s just un-fucking-professional!† Nate thought about how the praying mantis female will sometimes bite off the male’s head during copulation and how the male’s body continues to mate until the act is finished. â€Å"Sorry,† he said. She rolled off him and stared up at dim strips of green luminescence on the ceiling. â€Å"It’s okay. I didn’t mean to bite your head off.† â€Å"Pardon?† â€Å"Yes, we’re probably doomed. We’re doomed for the same reason that I look the way I do, that most of the Goos look much younger than we really are. Turn a gene on, you age; turn it off, you don’t. I’ve even seen some people down here who seem to get younger. Flip a switch, pancreatic cancer at age twenty-two; flip another, you can smoke four packs a day and live to be a hundred. If the Goo thinks that the human race is a danger to it, it just has to flip a switch, pick a gene, make a virus, and the human race would blink out. I hadn’t really thought about it as a threat before. My whole life I’ve worked for the Goo. Service, you know? It takes care of us. It’s the source.† He didn’t know what to say. Did he need to actually take the Colonel’s request for help seriously? Did he need to help find a way to kill this amazing creature in order to save his own species? â€Å"Amy, I don’t know what to do. Two days ago I just wanted to get out of here. Now? The Colonel and you both said I was lucky to be alive. Has the Goo killed people who were close to finding out about it?† â€Å"Honestly, I don’t know. I’ve never seen it or heard of it happening, but I – we – each just do our own part down here. We don’t ask a lot of questions. Not because we’re told not to or anything – it’s just that you can live a long time without asking yourself big questions when your needs are looked after.† For the first time Nate could see the experience of years in Amy’s face, marked not by wrinkles but by a shadow in her eyes. â€Å"I’m asking,† he said. â€Å"Do I think the Goo is ethically capable of killing the human race?† â€Å"I guess.† â€Å"I don’t even know if the Goo has ethics, Nate. According to the Colonel, it’s just a vehicle for genes and we’re just vehicles for memes and nature says that a head-on collision is inevitable. What if it’s not? This battle has supposedly gone on for millions of years, and now the Colonel wants to force an endgame? What I do know is that you’ve got to talk him out of trying to kill it.† â€Å"But he’s your leader.† â€Å"Yeah, but he didn’t tell any of us about this. I think he’s doubting his own judgment. So am I.† â€Å"But you said that it could kill everyone on the planet at the flick of a switch.† â€Å"Yeah.† She rolled over and propped herself up on her elbow. â€Å"You hungry? I’m hungry.† â€Å"I could eat.† How to cite Fluke, or, I Know Why the Winged Whale Sings Chapter 33, Essay examples

The Pros and Cons of Obamacare Essay Example For Students

The Pros and Cons of Obamacare Essay The topic that I am choosing to do is on Obama Care. I chose this topic because the idea of the government forcing people to obtain insurance is wrong in my eyes. I am interested in analyzing the validity for what has been said about this topic in order to increase my understanding about Obama Care. I am not an expert when it comes to Obama Care. I know that this is an insurance that is being provided through the government for the general public. I have read that President Obama never initially read the whole bill itself. I also know that people who cannot afford it, but make too much money to qualify for Medicaid are being heavily encouraged to get this insurance. Some of the common knowledge that I have found that the general public has about this subject is that some people are for Obama Care and think that it is a wonderful idea and that there are some people that are dead set against Obama Care. Younger adults, specifically college age and individuals that are in their twenties tend to be for Obama Care. The insurance is being forced upon individuals that may or may not want it. It also seems as though that the insurance being offered is pretty generic in terms of coverage. We will write a custom essay on The Pros and Cons of Obamacare specifically for you for only $16.38 $13.9/page Order now Some of the questions that I have that I believe will aide me in writing this paper would be the following: What are the pros and cons of Obama Care? What are the thoughts of Obama Care with the people of the government? As well as what are the basics of Obama Care? What is Obamacare? Describing What Obamacare is. What is it for? It is call the â€Å"Affordable Healthcare Act,† to make it affordable for everybody in the United States to afford doctors, hospitals and prescriptions. Also that the government can control. .cine Ethic, 20-37. Investors, B. D. (2014, Janurary 8). Health Reform Wal-Marts Way. Investors Business Daiky, p. A14. Moncrieff, A. R. (2013). The Individual Mandate as HealthCare Regulation: What the Obama Administration Should Have Said in NFIB Sebelius. America Journal of Law Medicine,39, 539-572. Norton, E. H. , Jacobus, C., Clifton. (2013, December 30). Capitol Strategies Presdent Interview. Fox News. (C. Payne, Interviewer) PR, N. (2011, January 18). ACLJ: More Than 70,000 Americans Urge Congress to Appeal Obamacare. PR Newswire US. Shapiro, I. (20013). Like Eastwood Talking To A Chair The Good, The Bad, And The Ugly Of The Obamacar Ruling. Obamacare Final , 1-23. Turner, G.-M. (2013, September 24). A Resistances Movement Rises Up Against ObamaCare. Business Wire. www.ehealth.com. (2014, March 26). Retrieved from ehealth: www. ehalthcare.com

Comparing the accuracy of the volatility forecasting models, GARCH, SV and EWMA under different scenarios The WritePass Journal

Comparing the accuracy of the volatility forecasting models, GARCH, SV and EWMA under different scenarios Comparing the accuracy of the volatility forecasting models, GARCH, SV and EWMA under different scenarios Introduction Because of the rapid development of new and complex financial instruments in financial markets, the forecasting volatility of assets is playing a central role on risk management tasks and evaluating asset in finance. However, interestingly, the ability of forecasting accuracy of stochastic volatility always catches people’s eyes, because nobody wants loss his/her profits by inaccurate predictions. Opportunities might be lost due to overestimating of volatility; investors bear risk due to underestimating of volatility. In addition, risk control strategies and profitable portfolio are deeply influenced by accuracy of volatility forecasting models. After the financial crisis happened in 2008, generally, investors concentrate on risk-free investment rather than a risk one. Therefore, my paper is going to examine three different models, GARCH (see, for example, Bollerslev (1986)), SV (Taylor, 1986) and EWMA (see McAleer (2005)), under diverse volatility scenarios. By using those vo latility models, a simulation experiment will take a wide series of volatility scenarios representatives, which are typical in financial market or real assets market, to test their rates of return separately. My dissertation is consisted of 5 chapters including the introduction, literature review, methodology and empirical research, as well as the conclusion. Different chapters focus on different key points, but there are tight relationships within each other and they are constructed as follows. The introduction presents my personal ideas and understanding of fundamental concepts about negative relation between investment return and volatility, as well as three volatility forecasting models mentioned above. Generally, Generalised Autoregressive Conditional Heteroscedasticity (GARCH) and Stochastic Volatility (SV) are main two forecasting volatility methodology, nonetheless, considering the diversification of data source would have different effects on different models, it would be better to employ other forecasting volatility model, like EWMA model, to perform the simulation experiment which makes my results more convincing. Employing other people’s ideas of forecasting volatility from journals and papers, literature review will provide the historical developments of volatility forecasting models in asset markets. Simultaneously, several sparking ideas will be explained with the frame work of previous approaches of volatility forecasting models. Moreover, the problems founded in previous researches can also be avoided. For example, the inherent problem of the conditional variance indirect observed in using models measuring volatility, GARCH family models, SV models or EWMA have been advocated widely in literatures related (Michael, M. (2010)). Fundamentally, the journal of Autoregressive Conditional Heteroscedasticity with Estimated of the Variance of United Kingdom Inflation illustrated the frame work of ARCH model (Engle (1982)) that helps us deepen understanding of negative correlation between stock return and volatility, as well as the basic frame of forecasting volatility model. Other academi c journals, like Answering the sceptics:Yes, standard volatility models do provide accurate forecasts (Andersen, T. Bollerslev, T. (1988)), ARCH modelling in finance: a review of the theory and empirical evidence (Bollerslev, T. Chou, R. Kroner, K (1992)), Return to RiskMetrics: The Evolution of a Standard (RiskMetrics Group, Inc. (2001)), Forecasting accuracy of stochastic volatility, GARCH and EWMA models under different volatility scenarios (Nigel, M D. Jie (2010)), which provides strong fundamental theoretical evidences, will be referred to my dissertation and support my original hypothesis accuracy comparison of three different volatility forecasting models in the dissertation. From those academic journals or papers with different approaches with volatility forecasting models, some drawbacks of models can be modified. For instance, as observed by Bollerslev, T. (1987), several stylized facts cannot be predicted precisely by a majority of the latent volatility models. Nonethe less, those factors can be caught effortlessly on financial time series. The methodology discusses briefly empirical demonstration of GARCH, SV and EMWA models separately, including notations and data sources, the results of simulation experiment will also be shown in this section. As mentioned by Nigel(2010), â€Å" for the simulated data, we contrast the accuracy of volatility estimated in-sample and out-of sample using a range of error measures.† Besides, another critical point is to make suitable definition of the volatility space according to three different volatility forecasting models with a triplet of coefficients, for instance, CV2garch is determined by coefficients (). Afterwards, applying the process of realized variance, 100 examples of length=500, 1000, 3000 will be generated corresponding to each parameters. Utilizing 100 examples with T=1100 realization, an SV model, a GARCH model and an EWMA model are used to assess volatility with the decay factor suggested (RiskMetrics, 2001). The front 1000 data points are used for in-sample for ecasting, while the remainder is served as out-of-sample estimation. In order to achieve effectively comparison within three models with observed and estimated volatilities (Brailsford and Faff, 1996), three measures of forecasting accuracy are used (RMSE, MME(U),MME(0)). Empirical research section illustrates the findings employing real data source, which is consisted of 16 financial data sets. The data source is comprised of four equities, four commodities, four FX series and four equity indexes. All data are collected between 1 January 2000 and 31 December 2010 from data-stream. With difference logarithms of consecutive closing prices, the rates of return of different assets are figured out. In consideration of covering sufficient volatility scenario as much as possible, therefore, in diversified main financial markets, especially, small number of samples with frequent floating price in asset markets would be included. In addition, cross-section data with capturing examples would be chosen and then examined in the simulation experiment. In a word, the empirical research will present strong evidence, with real-financial data source, to prove the original ideas about accuracy comparison of three volatility forecasting models. Meanwhile, due to the im perfection of data source and the volatility forecasting models, which would affect the results of simulation, some acceptable biased results of the simulation experiments will be explained exhaustively. The final section (conclusion) will give a succinct summary of the simulation experiments under a series of volatility scenarios defined with persistence and volatility of volatility. Furthermore, unavoidable drawbacks of the simulation experiments will be explained, and feasible improvements will be promoted in this part, as well as bringing up further research about this topic and its trend of development. For example, analysing typical high frequency data with the seasonal changes, the results of accuracy of these three forecasting volatility models would show any empirical change or not. Reference Anderson, T.G. and T. Bollerslev (1998) Answering the skeptics: yes, standard volatility models do provide accurate forecasts, International Economic Review, 39, 885-905. Bollerslev, T. (1986) Generalized autoregressive conditional heteroscedasticity, Journal of Econometrics, 31,307-27 Bollerslev, T. (1987) A conditionally heteroscedasticity time series model for speculative prices and rates of return,   Review of Economics and Statistics, 69, 542 – 547. Bollerslec, T., R. Chou and K. Kroner (1992) ARCH modeling in finance: a view of the theory and empirical evidence, Journal of Econometrics, 52, 2-59 Brailsford, T. and R. Faff (1996) An evaluation of volatility forecasting techniques, Journal of Banking and Finance, 20, 419-38 Ding J. and N. Meade (2010), Forecasting accuracy of stochastic volatility, GARCH and EWMA models under different volatility scenarios, Applied Financial Economics, 20, 771-783 Engle, R. (1982) Autoregressive conditional heteroscedasticity with estimates of the variance of United Kingdom inflation, Econometrica, 50, 987-1008 McAleer, M. (2005) Automated inference and learning in modeling financial volatility, Econometric Theory, 21, 232 – 261. McAleer, M. (2010) Modelling and Forecasting Noisy Realized Volatility, Department of Economics and Finance, College of Business and Economics, University of Canterbury RiskMetrics Group, Inc. (2001) Return to Risk Metrics: The Evolution of a Standard, New York Taylor, S.J. (1986) Modelling Financial Time Series, Wiley, Chichester.

How to Take Good News Interview Notes

How to Take Good News Interview Notes Even in an age of digital voice recorders, a reporter’s notebook and pen are still necessary tools for print and online journalists. Voice recorders are great for capturing every quote accurately, but transcribing interviews from them can often take too long, especially when you’re on a tight deadline. (Read more about voice recorders vs. notebooks here.) Still, many beginning reporters complain that with a notepad and pen they can never take down everything a source says in an interview, and they worry about writing fast enough in order to get quotes exactly right. So here are five tips for taking good notes. 1. Be Thorough – But Not Stenographic You always want to take the most thorough notes possible. But remember, you’re not a stenographer. You don’t have to take down absolutely everything a source says. Keep in mind that you’re probably not going to use everything they say in your story. So don’t worry if you miss a few things here and there. 2. Jot Down the ‘Good’ Quotes Watch an experienced reporter doing an interview, and you’ll probably notice that she isn’t constantly scribbling notes. That’s because seasoned reporters learn to listen for the â€Å"good quotes† – the ones they’re likely to use - and not worry about the rest. The more interviews you do, the better you’ll get at writing down the best quotes, and at filtering out the rest. 3. Be Accurate - But Don’t Sweat Every Word You always want to be as accurate as possible when taking notes. But don’t worry if you miss a â€Å"the,† â€Å"and,† â€Å"but† or â€Å"also† here and there. No one expects you to get every quote exactly right, word-for-word, especially when you’re on a tight deadline, doing interviews at the scene of a breaking news event. It IS important to be accurate get the meaning of what someone says. So if they say, â€Å"I hate the new law,† you certainly don’t want to quote them as saying they love it. Also, when writing your story, don’t be afraid to paraphrase (put in your own words) something a source says if you’re not sure you got the quote exactly right. 4. Repeat That, Please If an interview subject talks fast or if you think you misheard something they said, don’t be afraid to ask them to repeat it. This can also be a good rule of thumb if a source says something especially provocative or controversial. â€Å"Let me get this straight – are you saying that†¦Ã¢â‚¬  is something reporters are often heard to say during interviews. Asking a source to repeat something is also a good idea if youre not sure you understand what theyve said, or if theyve said something in a really jargony, overly complicated way. For instance, if a police officer tells you a suspect made egress from the domicile and was apprehended following a foot chase, ask him to put that into plain English, which will probably be something to the effect of, the suspect ran out of the house. We ran after him and caught him. Thats a better quote for your story and one thats easier to take down in your notes. 5. Highlight the Good Stuff Once the interview is done, go back over your notes and use a checkmark to highlight the main points and quotes that you’re most likely to use. Do this right after the interview when your notes are still fresh.

Importance Of Understanding Cultural, Ethnic, And Gender Differences Research Paper

Importance Of Understanding Cultural, Ethnic, And Gender Differences By Managers And Professionals In A Business Setting - Research Paper Example This is because these differences highlight the basis of potential troubles that might surface at the workplace and that need to be looked upon at with a sense of comprehension. Without a shadow of a doubt, this has come to the fore for the sake of the organizations that the cultural, ethnic and gender differences arise because the employees are not being handled in a proper way. If these employees know that they are bound by the organizational contracts, terms and conditions, and are time and again told about it, there would be fewer instances of rifts and differences cropping up at the workplace realms. There is a need to set things right, and that too in the most apt manner possible. Adequate levels of analyses and suggestions should be made use of in order to get acquainted with the changing norms and conditions of the time because this is the needed within the globally changing business dynamics (Bell, 2006). What remains significant is how the top management manifests its due r ole and what steps are undertaken by the human resources management department in the wake of the cultural, ethnic and gender differences arising at the workplace settings within these organizations. Research has proven that it would be sound to state that diversity within organizations is a good omen and thus asking the employees to stay away from the cultural, ethnic and gender differences is sane and reasonable. The employees’ role is therefore exponentially enhanced within the related settings and the managers need to supervise where they are going wrong, and what could be done to correct them. The managers and professionals under such constructs should know exactly what they would like the employees to do and to commit to a... Without a shadow of a doubt, this has come to the fore for the sake of the organizations that the cultural, ethnic and gender differences arise because the employees are not being handled in a proper way. If these employees know that they are bound by the organizational contracts, terms, and conditions, and are time and again told about it, there would be fewer instances of rifts and differences cropping up at the workplace realms. There is a need to set things right, and that too in the aptest manner possible. Adequate levels of analyses and suggestions should be made use of in order to get acquainted with the changing norms and conditions of the time because this is the needed within the globally changing business dynamics. What remains significant is how the top management manifests its due role and what steps are undertaken by the human resources management department in the wake of the cultural, ethnic and gender differences arising at the workplace settings within these organiz ations. Research has proven that it would be sound to state that diversity within organizations is a good omen and thus asking the employees to stay away from differences is sane and reasonable. The employees’ role is therefore exponentially enhanced within the related settings and the managers need to supervise where they are going wrong, and what could be done to correct them. The managers and professionals under such constructs should know exactly what they would like the employees to do and to commit to a collective good.

History musicMichael Jackson Essay Example | Topics and Well Written Essays - 1000 words

History musicMichael Jackson - Essay Example He was won more than a dozen Grammys, had multiple albums go platinum, and made millions of dollars in sales and merchandising. However, there was more to the story than just a tale of success and wealth. Michael Jackson used his celebrity to draw attention to important issues that needed addressing, as well as, humanitarian and charitable causes worthwhile of being noticed. In this, Michael Jackson’s career transcended musical genres, he evolved himself and his music to the needs and causes that were relevant to the times. Michael Jackson was born in August of 1958. He was the 7th of 9 children. Raised in a large and musical family he became the headliner of the family’s musical group, â€Å"The Jackson Five.† Unfortunately, the experiences in the earliest years of his career were some of the most difficult. The group’s father was rather strict and difficult to please. Regardless the â€Å"Jackson Five† went on to great fame and the Jackson boys became a household name to fans all over (Rolling Stone 1). However, Michael’s greatest success would come when he began his solo career in the late 1970s. In the early 1980s the music produced by Wham and The Bangles were phasing the last of the Disco dance hits out. It was here that Michael Jackson fit in to the upbeat pop of the era. He released Thriller in 1982, which changed the way people perceived the potentials of music videos for generations to come (CNN 1).These songs reflected the more fun loving, almost decadent, times that defined the early 80s decade. The lyrics reflect the fun of dance and creativity. However, while life was good in the United States, other nations around the world were struggling just to survive. Michael Jackson co-wrote â€Å"We Are the World† in order to draw attention to the famine, disease, and suffering occurring in Africa (CNN 1). It was here that much of Jackson’s work began to reflect a message of universal unity and peace, ,making changes in one ’s self, and

The Downside to Land Use and Urban Development Essay example -- Enviro

The Downside to Land Use and Urban Development    Excessive land use and urban development are a problem, because it causes pollution and it robs animals of their homes.   When man extends his boundaries into nature, nature has no choice but to go somewhere else.   Expansion and population are the cause of this environmental problem.   I propose to set a standard for land development for every city.   In that I also propose that each city should impose a set number of persons to live in that city.   Each city must impose stricter guidelines for waste management.   Finally I propose that the city set limits for development, and expansion. Land development causes danger to the environment by polluting the air and disrupting geological and animal status.   Air pollution is a big problem with urban life.   Large cities have the characteristic of having polluted skies.   The Environmental Protection Agency passed an act, through legislation, called the Clean Air Act.   The CAA set standards for all cities (Environmental Politics and Policies, 195).   Some of these cities that do not meet such standards include Los Angels, New York, Chicago, Milwaukee, Baltimore, and Houston.   These limits are called National Ambient Air Quality Standards (189).   The NAAQS sets a limit on the amount of Carbon Dioxide, Hydrocarbons, Air born Particulates, nitrogenoxides, lead, and sulfur oxides, and Ozone in the cities air.   Such standards apply for 7 (192).   The definition for Ozone: A strong oxidizing agent with disinfecting properties similar to chlorine; also used in odor control and sludge processing (Environmenta l Engineering, 219).   Ozone is present in the high atmosphere, but at lower levels can be one of the most harmful gases on Earth (Our Poison... ...constantly influenced by their social ruling.   We don’t have except this way of living, there needs to be a change.   We need to prepare for the future, and save what we still have.   We have to, before it’s all gone.            Works Cited 1.) Beyond the numbers; Edited by Laurie Ann Mazur Published by Island Press, Washington DC; 1994 2.) Environmental Politics and Policy; Written by Walter A. Rosenbaum Published by Congressional Quarterly; 1998 3.) Our poisoned Sky; Written by Edward F. Dolan Published by Cobblehill books; 1991 4.) Endangered Environments; Written by James Colgney Published by Apple Tree Inc.; 1994 5.) Dennis Plunkett (American Reality, Phoenix Az) Interviewed: 11-14-98   6.)U.S. Census Bureau (WWW.census.gov/main/www/popclock.html)   7.)Q and A’s About Land Fills (WWW.awma.org/awma/educate/outreach/landfill.html)   

What Is the Difference Between Sequence of Development and Rate of Development? Essay

To begin to answer the question of what is the difference between development and rate of development it is vital that we completely understand the meaning of the words. A sequence of development is the order in which the development of t6he child would happen; for example a child will sit before crawling and would then go on to walk. The rate of the development is the speed in which it would happen, for instance; by four to six months the child will have control of their head and arm movements, and by seven to nine months they should be able to sit without support and may have begun crawling. It is extremely important to remember that all children develop at different rates and that the sources or information that we receive or are told are only guidelines of the developmental rates. We are able to use these as a reference to monitor what children can or cannot do at specific stages in their lives. Although they aren’t one hundred percent accurate for each child they are stil l effective tools to help us plan to ensure they get the attention they need for areas they find challenging. The development of the physical skills of the child follows a definite sequence; to show an example would be that of a baby; when they would firstly have to learn to hold their head and upper body up before they are able to sit with only the lower back supported. However, whilst the sequences are common amongst most children, the rate in which they develop these skills are often different. It is vital to monitor a child’s sequence and rate of the development in order to determine what type of help they may or may not need in the future and to ensure they are referred to the correct people to aid in development were possible so they don’t fall too far behind. Often the child’s developmental sequence can differ between children, for example one baby’s physical development may begin with rolling over, followed by sitting up, then crawling, walking and finally running, whilst another may sit up, walk, and then running missing out rolling over and crawling. Although elements are missed from the development process, it still proceeds in what is viewed as an unexpected pattern. The rate can often differ like this too, one child being able to walk at ten months and another at sixteen, all children are different which is wh y the rate differs so frequently. With so many factors in a child’s life affecting their development, the rate and sequence of their develop it’s not surprising that the variance between each child can be so big. Everything from a childs health status to their family background can affect various stages of their development.

Frankenstein Romanticism Essay - 1610 Words

Romanticism began to make a great influence on art and literature during the eighteenth to the nineteenth century. Frankenstein was first published in 1818 during that period and the novel is flooded with Mary Shelley’s feelings of extreme good and bad emotions. English literature during the romanticism period is believed to be the most expressive in style, subject, and content. The discrepancy and chaos concerning the essential principles and competing philosophies were believed to be fascinating for several famous novelists along with poets that cited the Romantics as being their most eminent motivational voices. Romanticism in literary context means a movement in art and literature that depicts an emotional matter within an imaginative†¦show more content†¦Mary Shelly sets her novel up in an exotic atmosphere with the entire novel taking place in the foreign and scenic country of Switzerland. In the novel, Victor Frankenstein tells us about the scenery of Switzerla nd when Victor said â€Å"The road ran by the side of the lake which became narrower as I approached my native town. I discovered more distinctly the black sides of Jura, and the bright summit of Mont Blanc; I wept like a child: ‘Dear mountains! My own beautiful lake! How do you welcome your wanderer? Your summits are clear; the sky and lake are blue and placid. Is this to prognosticate peace, or to mock at my unhappiness? which shows the romantic side of Victor as he views nature. However, the exotic nature also reveals the misery of the monster whose condition deteriorates along with Victor when the beautiful nature is no longer tranquil to them. This is shown when the monster says â€Å"The labours I endured were no longer to be alleviated by the bright sun or the gentle breezes of spring†. The contrasting differences of misery even in exotic places prove that romanticism has the beliefs that imagination and devotion to beauty is inferior to reason. Mary Shelley’s sense of nationalism and beliefs are apparent in the novel so we can safely say that she is highly aware of the political issues around her. The monster Victor created has many critical comments in the novel on human society and individual behavior during hisShow MoreRelatedRomanticism In Frankenstein Essay740 Words   |  3 Pages Mariah McCoy Dr.Bardot His-102 16 June 2017 Historical Relevance Within Frankenstein Imagine a world without Enlightenment, the Industrial Revolution,and Romanticism. Mary Shelley uses these topics in her novel to expose the effects that each of these had on society. Frankenstein is a novel that was published in the early 1800’s and tells a story about a man by the name of Victor Frankenstein. 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There is the desert and there is theRead MoreCritical Analysis of Mary Shelleys Frankenstein974 Words   |  4 PagesThe essay discussed in this document is Said I. Abdelwaheds The Gothic, Frankenstein and the Romanics, which was published in 1997 in An-Najaj N. J. Res. The author is the assistant professor of English literature at Gazas Al-Azhar University. These credentials are fairly impressive considering the international reputation of the university the author was working at during the time of publication. Additionally, the authors status as an assistant professor helps to imbue this work with a degreeRead MoreFrankenstein, by Mary Shelley1078 Words   |  5 PagesMary Shelley’s Frankenstein has undoubtedly withstood the test of time. Frankenstein’s direct association with fundamenta l Gothic literature is extremely renowned. However, the novel’s originality is derived from the foundational thematic values found within the relationship (or lack there of) between Victor Frankenstein and the monster he had created, in combination with a fascinatingly captivating plot. Understandably, Frankenstein can often be associated with a multitude of concepts; however,Read MoreWhy Did I Choose A Passage From Frankenstein?1504 Words   |  7 PagesWhy did I choose a passage from Frankenstein? It is a work which portrays a lot of themes, symbols, motifs and it is contextualized in a period with a lot of changes in the society. In this essay I will explore the many aspects of Frankenstein that influence in the society for its later staging of horror films. Mary Shelley was a British novelist and she was best known for her novel Frankenstein or, The Modern Prometheus; this science-fiction novel was published in 1818 and it was set in 1789 in