Naked Economics Essay Example for Free

Naked Economics Essay Baumbach AP Macro Response Paper â€Å"Making money takes time, so when we shop, were really spending time. The real cost of living isnt measured in dollars and cents but in the hours and minutes we must work to live (5). † After reading this sentence, I felt a little confused about what the author meant in this sentence. However, after reading the inflation example about stockings and cell phones, I truly do understand and agree with this quote. As the author explains, just because the price goes up, doesn’t mean that the cost of living has gone up. By factoring in wages people make per hour and comparing that with the price of an item such as stockings or cell phones, the cost of living can in fact be lower than it once was. It all depends on how much time of work is needed to acquire the item desired. Using this method, as the author elaborates, is really how we determine if the cost of an item costs more than it once did. Along with the importance of cost of living, the Real GDP and Real GDP per capita also play an important role in our economic growth. While talking about GDP, the author states the feelings of Americans by stating â€Å"Indeed, if we all believe the economy is likely to get worse, then it will get worse. And if we all believe it will get better, then it will get better (12). † I believe what the author means by this is that we decide whether the economy goes up or down based upon how we feel as a society about spending. The more we spend, the greater real GDP becomes which allows more investments to occur. Because this happens, our economy will continue to expand and do well leading to a respectful amount of inflation along with that. On the other side, when we feel that the economy is likely to become worse, we cut back on spending causing real GDP to go down allowing businesses to invest less forcing them to lay off people (greater unemployment) leading to a worse economy. It’s a continuous cycle; the people determine how the economy performs based on how much consumption, investing, government spending, and net exports occur. Furthermore, the after the national financial crisis of 2008 occurred, President Obama passed a stimulus in 2009, hoping that we could pull ourselves out of the recession. Even though the post-effect wasn’t extremely positive due to speculation of the economy, I thought President Obama did the right thing to pass the Stimulus. As the author says, â€Å"A bad stimulus is better than no stimulus, and a bad stimulus is what we got (18). † Instead of letting Americans live in chaos and fear for many more years, Obama decided to act with a fairly responsive stimulus. Of course, the stimulus wasn’t as effective as many hoped for, but it was a step in the right direction. As a result, the stimulus did little effect on the economy, but I believe that it had a large effect on American morale. The stimulus provided 2 to 3 percent GDP growth and provided millions of jobs to Americans which is perhaps some of the best news many received in the past two years. Even though Americans may have spent or invested in the short spurt of the stimulus, it allowed Americans to become more confident with their spending and investing instead of saving it all again. In addition, the author talks about borrowing and how economists view the budget differently than accountants. Economists seem to be more fluctuating about the amount of spending we do as long as we pay it back while accountants are all about balancing the budget. Based on that being said, the author proclaims that â€Å"As a nation, we are consuming more than we are producing, and we have to pay for the difference somehow (23). I believe this to be a bad thing because there have been no positive signs of our debt becoming any smaller which can cause economic destruction in the future. The author contradicts his previous quote by stating â€Å"countries that have gotten themselves into financial trouble are usually running large current account deficits (24). † I feel that we are one of those countries that have maintained a large current account deficit. If we continue to spend more than we are producing, then it is inevitable that the American economy will collapse.

The Piano Lesson Essay -- essays research papers

Defend Boy Willie’s Scheme for Buying Sutter’s Land.   Ã‚  Ã‚  Ã‚  Ã‚  In The Piano Lesson, written by August Wilson, Boy Willie devises a scheme for buying Sutter’s land. Boy Willie has one part of the money saved up. He will sell the watermelons for the second part. Then he will sell the piano for a third part. The only debating issue in Boy Willie’s scheme is the piano. Berniece does not want to sell the piano. This is the only reason for a defense in Boy Willie’s scheme. Therefore, I will defend Boy Willie’s issue of selling the piano and how that liberates him in reference to his scheme for buying Sutter’s land.   Ã‚  Ã‚  Ã‚  Ã‚  The first defense is the usage of the piano. In Wilson’s novel, Berniece never uses the piano, Boy Willie: â€Å" You can’t do nothing with that piano except sit up there and look at it†, Berniece, â€Å"That’s just what I’m gonna do† (p.50). The piano is a â€Å"sentimental value† (p.51) to Berniece. Her father died over the piano (p.42-46). Boy Willie argues even though the piano is of sentimental value, Berniece is not using it. He wants to sell it in order to buy land, seed, and workers, which will in turn produce a crop, and something will come out of that (p.51).   Ã‚  Ã‚  Ã‚  Ã‚  The second defense is that of equality. Boy Willie believes how a certain individual perceives himself determines what that individual really is in reality (p.92). He also believes that white men have one advantage over black men and that ... The Piano Lesson Essay -- essays research papers Defend Boy Willie’s Scheme for Buying Sutter’s Land.   Ã‚  Ã‚  Ã‚  Ã‚  In The Piano Lesson, written by August Wilson, Boy Willie devises a scheme for buying Sutter’s land. Boy Willie has one part of the money saved up. He will sell the watermelons for the second part. Then he will sell the piano for a third part. The only debating issue in Boy Willie’s scheme is the piano. Berniece does not want to sell the piano. This is the only reason for a defense in Boy Willie’s scheme. Therefore, I will defend Boy Willie’s issue of selling the piano and how that liberates him in reference to his scheme for buying Sutter’s land.   Ã‚  Ã‚  Ã‚  Ã‚  The first defense is the usage of the piano. In Wilson’s novel, Berniece never uses the piano, Boy Willie: â€Å" You can’t do nothing with that piano except sit up there and look at it†, Berniece, â€Å"That’s just what I’m gonna do† (p.50). The piano is a â€Å"sentimental value† (p.51) to Berniece. Her father died over the piano (p.42-46). Boy Willie argues even though the piano is of sentimental value, Berniece is not using it. He wants to sell it in order to buy land, seed, and workers, which will in turn produce a crop, and something will come out of that (p.51).   Ã‚  Ã‚  Ã‚  Ã‚  The second defense is that of equality. Boy Willie believes how a certain individual perceives himself determines what that individual really is in reality (p.92). He also believes that white men have one advantage over black men and that ...

Assignment Unit 5

Unit 1 Assignment E1: The main three different types of settings which are provided with care and education for all children in my area are, firstly the statutory area would be†¦. , because it is funded by the government, so they didn’t want to play for their children to go to a private school. Secondly the voluntary sector in my area are mainly activities like sports/ football teams and playschools and afterschool clubs where you donate money but none of the staff get paid any money because they volunteered to help run and work for it.Finally, there can be very few private schools in my area because people disagree to pay for their child’s education instead of it being funded by the government and so there aren’t many private schools in my area but one near my area †¦.. is the main private school which a lot of people know around by my area. E2: The way in which the types of setting from E1 has aims to support children and their families are; Statutory settings can help families is they can’t afford much so this way the government is funding for them so their children can still go to school with no big price to get the child’s education complete for their stages.On the other hand private settings are the opposite where the families pay for their children to get their education, and they are not funded by the government, the children are paid to go to private schools so they can get a better education. And voluntary settings are helping by getting everyone involved and by raising money for schools or other charities. E3: The main legislations in our country that supports the rights of children are the Human Rights Act and the UN Convention on the Rights Of The Child.The Human Rights Act helps to protect all of us and children and gives us our own right within ourselves so we can have our own opinions and to avoid discrimination. Whereas the UN Convention on the Rights Of The Child supports the rights of children by s tating what each child has the right to do in life, also by getting the whole world involved to show that everyone has a right to, for example, ‘You have the right to give your opinion, and for adults to listen and take it seriously. http://www. unicef. org. /crc/index. 30229. html E4:The recognised principles and values that underpin working with children on the Early Years Foundation Stage the CACHE statement of value and the foundation phase framework are; A Unique Child, Positive relationships, Enabling Environment, and Learning and development. The principles for ‘A Unique Child’ are all about being a competent learner from birth who can be resilient, capable, confident and self-assured. Positive relationships describe that every child can learn to be strong and independent from a base of loving and secure relationships with parents and a key person.Enabling environment describes how the environment can play a key role in supporting and extending childrenâ₠¬â„¢s development and learning. Learning and development describes that children develop and learn in different ways and at different rates, all areas of learning and development and equally important and inter-connected. The values that underpin working with children are most importantly putting the children first by ensuring the child’s welfare and safety to keep them safe from any harm as possible, showing compassion and sensitivity so this way they may respect you and treat you fairly.Respecting the child as an individual, meaning to treat them each the way they would want to be treated and respect each of the children’s different needs upholding the child’s rights and dignity, enabling the child to achieve their full learning potential. Also never use physical punishment, this is because as an early years practitioner the only way to punish the child civilly is to get down to their height and make eye contact and tell them off gently when you a TA as an ear ly years practitioner.Another big one is to respect the parent, or those in a parenting role, as the primary carer and educator of the child this way you can earn their trust. Honour the confidentiality of information relating to the child and their family, unless its disclosure is required by law or is in the best interest of the child. http://www. EYFS. co. uk Uphold CACHE’s equality and diversity statement. And finally respect the customs, values and beliefs of the child and their family and also respect the contribution of staff in the childcare and education field and other professions with whom they may be involved.E5: Diversity means to be unique and to be your own person and this shows the importance of valuing and respects all children in the setting in the setting of the early year’s practitioner. The reason why Early Years practitioners should listen to children’s views and values their opinions because we need to listen to their needs because they kn ow more about their needs and views, this way we can respect their needs more, this is linked to child centred approach. Also it all counts with the main 3 C’s, Communication, Confidence, and Choice. E6:Three professional skills that will support your work with children are being a good listener so that you can join in with the group discussions and also it’s important to become a good listener because when in a working placement you will need to listen to the rules and regulations in a team so that you can follow your orders and follow the correct rules also you need to listen about what each of the child’s needs are so this way you can support the child. For example if a child has a certain allergy or has diabetes, then you need to understand what they need each day.Another professional skill you may need to support your work with children can be to have good communication towards the children and especially your team, this is important because you need to com municate well with your team members and also because you need to communicate well with your team members because you need to communicate well with the children also because for example if a child in your class can’t speak English then you need to communicate easily and slowly and make eye contact to them so that they can easily understand what you are saying and also this could develop their English more.Also communication towards your supervisor and manager is highly important because if you suddenly notice a child is acting strangely or different then you need to have good communication skills to be able to report this to the supervisor or manager. Finally another professional skill you could need that will support your work with children can be confidence. You need the confidence to actually work in a team and co-operating well in a team and to be able to ask questions to learn more about what you have to learn about being a early years practitioner and to learn to report things.If you don’t have confidence then the children will see it in your body language and facial expressions and take advantage of you and make it harder if they see you don’t have the confidence and the team/supervisor/ or manager will do the same. So you need confidence to stay strong when working in the placement, also if you have confidence then the children will respect you and they will see that you can be confident when working and communicating with them to they can still be confident with you. E7:Study skills can support your learning during your training because there are so many study skills which different people prefer to help them to revise or learn. Firstly some or most people do note taking, for example they do short simple sentences to help them to remember they key points in the topic. But when doing this make sure you understand what you have written down. Highlighting is the most common study skill which people use to revise or remember things. T hey do this to show what the main points they need to know from the topic is.Also using different inks or colours of high lighters can make the page stand out more so when you’re coming to revising that topic it will stand out to you and catch your eye so this way you can only notice and pay attention to these main points. Listening to calm or gentle music is not a common one but some people like it because it makes them feel all relaxed, but I think a lot of people prefer revising or studying in a room which suits them and makes them feel relaxed and safe.Like for example, I enjoy being in a quiet room because I don’t like getting distracted. Also they like to be equipped so surrounded by sticky notes with information on and books and the internet to collect data or other information, The main one is to take your time, because if you rush then you’ll make yourself panic which will put you off the subject and make you less concentrated. You need to use your time wisely and not put yourself under pressure. D1:Some reasons why the practitioner should develop and maintain appropriate relationships with parents and other professionals because one reason should include meeting each of the children’s needs because they need to know what each child is aiming for when in school or nurseries, the way to meet their needs could be, for example, the practitioner can meet the child’s needs by involving each child and being inclusive with them and they can support each child with their rights by giving them the right education.Other rights to look for are health and shelter, food and water. You need to have good co-operation towards helping your team and involving the children. Trust issues, parents need to trust the one that is supervising their child; otherwise they won’t think of anything positive of you. Warm, trusting relationships with knowledgeable adults support children’s learning more effectively than any amount of resources.The reasons why good relationships are important when coping with transitions is because firstly children will feel more relaxed towards you. Having good communication otherwise the children will suffer. Having bad communication can mean a lot of repetition, meaning important information is lost or easily forgotten. Children can learn to be strong and independent from a base of loving and secure relationships with parents or a key person.A key person has special responsibilities for working with a small number of children, giving them the reassurance to feel safe and cared for and building relationships with their parents. Also parents and practitioners need to know the needs and care for the child because one day they could be acting differently and become different in their body language or actions for example they could become violent, so to solve this you need to know what goes on at home and how you see their parents act with them, just so you can provide them with mo re care. D2:The characteristics of working in a team with other agencies professional colleagues are, for example to have a good and effective communication using this to show you can listen and follow orders towards helping team because that way it shows good skills and that they can always come to you for help or guidance. Need to have inclusive practice to include everyone. Have effective consistency. To be more efficient and to have belonging also finally is to be your own person. This shows all of the characteristics and benefits of working in a multi-agency team. C:Firstly, the early year’s practitioner should listen to their needs because they know more about their needs and views, this way we can respect their needs more. But always put their needs first before anything. They will also gain a sense of belonging in the setting and realise they are being valued and respected. As a result children may reflect the practitioner’s attitude towards them in the behavio ur towards others. Showing children that they are valued and listening to their views allows them to respect themselves and be more confident, not just in their work but their daily routines too.They will be increasingly open minded and out spoken, therefore making it easier for practitioners to understand a child’s needs and successful providing them. Children should be allowed to have their say and be included in decision making when planning so practitioners can ensure that children have equal opportunities, feeling involved and successful in their learning and play. They should be given activities that suit their interests and strengths. Therefore children would feel a greater sense of achievement when they recognise that their opinions were the source of their success.B: It is important that practitioners understand the limits and boundaries of their role when working with children because you need to understand the policies and procedures, like you may get a policy to h ave acceptable behaviour or the health and safety policy and procedure to give the practitioner and idea of how to act and the know they learn at the placement the easier they can learn about the childcare surroundings and how to act in that surrounding. Also if you some how find it rather difficult to read then you need to tell your tutor or your supervisor.There are four main areas that are important when thinking about the role you need to take as a practitioner and the boundaries: health and safety, managing children's behaviour, child protection and confidentiality. Health and safety is important role and boundary when being a Level 3 early years practitioner because its yours and who evers in charge of a child, it is their responsibility to keep that child safe, so the parents need your trust to take care of that child, for example once all children are in the placement settings you need to make sure that all the doors/gates anywhere they can get out of needs to be shut.Also i f a fire alarm goes off then you need to do a head count or register to make sure that you still have all students in the class all together. Also if you see something in the setting room you are placed in that is not safe or is risky around the child, or when you spot that a child has had an accident then you need to report it to a trained supervisor. Managing children's behaviour means that you need to make sure that you are certain about the settings policy about managing a hild's behaviour problems and where or who you should report it too. You need to be aware of you own actions and take responsibility of you own actions when working with younger children. There can be a big situation when you are playing with a child nicely then getting them too excited which can be encouraging them to become overly distracted when it comes to doing an activity with the class.You don't only need to notice your actions but also how the supervisor or someone who is particularly experienced and s ee how they manage a childs behaviour, you could learn from their method if they have their own method to calm a child down or to settle a child when he/she needs to crack on with an activity. Children could start to feel secure if they have someone managing their behaviour. Child protection is important role and boundary when being a Level 3 early years practitioner because you need to be aware of how to keep children safe and away from abuse.Every single setting will have a child protection policy. Also when you turn up to every setting you will need to be shown and learn how to sign in, also will need to wear a badge to prove who you are to everyone and also will probably find out which situations you will be working in with children. It's very normal that the practitioner should never be alone with a child just to follow the child protection policy, and it is also for your protection too.It is very likely that the practitioners will learn that young children will hug and touch t hem when they need them, but its very unlikely for this to happen with older children, because they are more developed whilst the young children and still developing and growing older, you will learn and see how the other staff react and use a big amount of physical contact with a child. Some practitioners may find that some of the children may tell some information that can concern you, you will need to know at your placement who you need to tell about what you have been told and how to deal with it.Finally, confidentiality is a important role and boundary when doing Level 3 early years practitioner because some information that you are given at a setting will be very confidential that must not be shared with friends or anyone outside of the college. Some examples of information that you need to keep confidential may include the child's family personal life information. If you are not sure whether informtaion in the setting is confidential then you need to ask your supervisor.

The Importance Of Proactive Compliance Analyst Who Ensures...

PROFESSIONAL SUMMARY ________________________________________ Proactive Compliance Analyst who ensures the company operations are in accordance with the industry regulations and standards. Performs tasks which include: reviewing new regulations, informing other departments of industry guidelines and requirements while developing regulatory procedures. Additionally, possesses extensive experience in regulatory compliance, QC auditing, underwriting guidelines, and research. SKILLS SUMMARY ________________________________________ ï  ¶ Excellent written and oral communication skills with the ability to rate and categorize risk ratings in a clear and concise manner ï  ¶ Comprehensive knowledge of RESPA/TILA,HMDA, all agencies/ investor guidelines, including, FNMA, FHLMC, FHA, USDA, and VA ï  ¶ Knowledge of DU, and LP underwriting procedures and guidelines ï  ¶ Ability to review audit documentation, perform analysis, validate and document potential risk to determine course of appropriate corrective action and/or make recommendations ï  ¶ Familiar with Conforming Nonconforming Loans, Arms, and Jumbo Loans ï  ¶ Underwriting and quality control review/audit experience of mortgage loans and the ability to analyze risk as relating to investment quality loans ï  ¶ Experienced with government-insured loan sites, including AllRegs ï  ¶ Familiar with proprietary mortgage-processing software ï  ¶ Proficient in investor programs, software, and internal systems: QCIQ, BOX, Prime Alliance, DNA, MS,Show MoreRelatedRecruitment Plan2305 Words   |  10 Pagesorganization. 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