Saturday, November 30, 2019
The Psychologicat Effects of the Dust Bowl Essay Example
The Psychologicat Effects of the Dust Bowl Paper The Psychological Affects of the Dust Bowl The Dust Bowl was an added devastation accompanying the Great Depression. It lasted from 1930 to 1939 and is sometimes referred to as the ââ¬Å"Dirty Thirtiesâ⬠. (Bonnifield) Lack of crop rotation and a heavy drought caused this trying time in American history. Over one third of the United States was swallowed up by dust storms with the concentration of storms being located in northern Texas, the panhandle of Oklahoma, the entire western half of Kansas, south east Colorado, and north east New Mexico. Gazit) One psychological affect experienced as a result of this great historic disaster must have been depression. With over a decade of soil misuse and a severe drought that started in 1930 the top soil virtually turned to dust and blew away with the wind. This catastrophe could have been adverted with the practice of crop rotation. Crop rotation is a technique that has been traced back to Roman times. This method prevents the buildup of pests and/or pathogens. A known occurrence when the same crop is used season after season. Specifically the rotation of deep rooted and shallow rooted crops would have helped to prevent this era in American history. This grave agricultural mistake served to devastate a large population of people. Because of the lack of top soil crops could not grow therefore farmers and their families became stricken with poverty. Soon after the dust started blowing away it created dust storms which their most fierce covered the sky and there was little to no visibility on the ground, even worse than a blizzard of today the storms were given the name ââ¬Å"Black Blizzardâ⬠(Gazit). Entire farm machinery virtually disappeared under a blanket of dust deposits left behind by these storms. Even with the aid of relief programs from the federal government entire families still had to pick up and leave behind their land, homes, and way of life. Most of these families were referred to as ââ¬Å"Okiesâ⬠because the majority came from Oklahoma and nearly all headed west to California to escape the storms. (Ganzel) Meeting basic human needs was a day to day struggle. We will write a custom essay sample on The Psychologicat Effects of the Dust Bowl specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Psychologicat Effects of the Dust Bowl specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Psychologicat Effects of the Dust Bowl specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Because the vast majority of the families were poor they had little to no money for food often fought over food that they may have shared with others just years earlier. Another health concern during this time was the onset of dust pneumonia which is the disproportionate exposure to dust where as dust literally fills the lungs. (Cook) The condition was so common that several musicians wrote song with the most famous being Woody Guthrieââ¬â¢s ââ¬Å"Dust Pneumonia Bluesâ⬠. Lack of employment was another common trauma that could easily lead to depression. Having previously been able to provide food and a place of warmth and wellbeing was no longer possible for males and single mothers of the day. The conditions were so extreme families were sometimes encouraged to give their children to government agencies so they could be better cared for. Not only did the Dust Bowl affect farmers but also white collar and professional workers who now had to fend for themselves in conditions and livelihoods they were not accustomed to. J. D. Bilbro, a child of the Dust Bowl recalls being trapped within a dust storm during a day known as ââ¬Å"Black Sundayâ⬠. He talks about how he, a friend, and their two sisters ran through the storm and it was ââ¬Å"black as midnight, rolling and boiling along the earth like a runaway tidal waveâ⬠. (Westbrook) The Grapes of Wrath written in 1939 by John Steinbeck and published by The Viking Press is a fictional story about a family traveling across the country to California during the Dust Bowl just in hope to find jobs as fruit pickers. In preparation for writing the book Mr. Steinbeck traveled as a migrant worker for two years so that he could get a feel and understanding for how the people of this era felt and survived. Bio) In the PBS history series American Experience: Surviving the Dust Bowl in an interview conducted in 2009 with Margie Daniel-Hooker of Oklahoma, she says that even as a child she could tell her father was depressed. She says it was noticeable by the way he would just stare off into space. In the same series Mrs. Daniel-Hooker goes on to talk about her younger brother who had pneumonia three times. She speaks about how she believes her brother caught pneumonia every time due to the dust storms. Mrs. Daniel-Hooker recalls her mother giving her little brother a spoonful of medicine each night and how the both of them sat up all night with him. Then one time as her mother was giving him a spoonful of medicine he leaned back in her arms and died. She tells how her mother screamed and held him very tightly then goes on to talk about how she had many more children but after the loss of that one child was never the same again. Mrs. Daniel-Hooker spoke about how she cried herself to sleep for an extensive period and how she will never forgive herself for bringing home the Measles and how he caught them. She explains how one could overcome pneumonia but never pneumonia and measles coupled together. Both Mrs. Daniel-Hooker, and her mother suffered long term from these experiences. As with the beginning of national media photography showed and still shows today the affects the Dust Bowl had on America. Dorothea Lange was a photographer who worked for the Farm Security Administration to document the plight of the Dust Bowl and was made famous for six pictures (one in particular) she took of Florence Owens-Thompson. (Dunn) Although the pictures accurately depicted life during this era Mrs. Thompson said she was told the pictures that were taken of her would not be published. But Ms. Lange sent the pictures to the San Francisco News and the Resettlement Administration in the nationââ¬â¢s capital. The most well known was entitled ââ¬Å"The Migrant Motherâ⬠. Over forty years later the nation was enlightened as to whom the Migrant Mother was. In December 2008 Mrs. Owens-Thompsonââ¬â¢s daughter, Katherine who was also seen in the picture at an early age publicly said the picture shamed the family because it pointed out just how poor they were. Gutierrez) Although the famous photos did much for public awareness and government change, they disturbed the family members depicted for a lifetime. As a result of the Dust Bowl and complications of the Great Depression large numbers of families lives were drastically changed. Loss of homes, jobs, and poor healthcare would have encouraged psychological complications such as depression. The day to day struggle to meet basi c family needs and difficulties arising from trying to accomplish these tasks led many Dust Bowl sufferers to develop and suffer with this depraved mental state. Works Cited About The Dust Bowl. Welcome to English à « Department of English, College of LAS, University of Illinois. N. p. , n. d. Web. 28 Nov. 2010. . Biography Page. Welcome to the Official Woody Guthrie Website. N. p. , n. d. Web. 28 Nov. 2010. . Bonnifield, Paul. ââ¬Å"May, it seemed like the wind, and dirt had been blowing for an. 1930 Dust Bowl. cimarron county chamber of commerce. N. p. , n. d. Web. 28 Nov. 2010. . Cook, Ben, Ron Miller, and Richard Seager. Dust storms in the 1930s Dust Bowl. Lamont-Doherty Earth Observatory | . N. p. , n. d. Web. 28 Nov. 2010. . Drought in the Dust Bowl Years. Welcome to the National Drought Mitigation Center website!. N. p. , n. d. Web. 28 Nov. 2010. . Dunn, Geoffrey. New Times San Luis Obispo Cover Story Photographic license. Internet Archive: Wayback Machine. N. p. , n. d. Web. 28 Nov. 2010. . Freedman, Russell. Children of the Great Depression . New York: Clarion Books, 2005. Print. Ganzel, Bill. The Dust Bowl of the 1930s. The Wessels Living History Farm, the Story of Agricultural Innovation. N. p. , n. d. Web. 28 Nov. 2010. . Gazit, Chana. WGBH American Experience . Surviving the Dust Bowl . Complete Program Transcript | PBS. PBS: Public Broadcasting Service. N. p. , n. d. Web. 28 Nov. 2010. . Gerrig, Richard J. , and Philip G. Zimbardo. Psychology and life . 19th ed. Boston: Allyn Bacon, 2010. Print. Gutierrez, Thelma, and Wayne Drash CNN. Girl from iconic Great Depression photo: We were ashamed CNN. com. CNN. com Breaking News, U. S. , World, Weather, Entertainment Video News. N. p. , n. d. Web. 28 Nov. 2010. . Hariman, Robert, and John Louis Lucaites. No caption needed: iconic photographs, public culture, and liberal democracy. Chicago: University Of Chicago Press, 2007. Print. John Steinbeck Biography Biography. om. Biography. co m. N. p. , n. d. Web. 28 Nov. 2010. . Popper, Deborah Epstein, and Frank J. Popper. Outstanding Articles. Internet Archive: Wayback Machine. N. p. , n. d. Web. 28 Nov. 2010. . RuneHQVideos. YouTube-Woody Guthrie Dust Bowl Blues . YouTube. N. p. , n. d. Web. 28 Nov. 2010. . Steinbeck, John. The grapes of wrath . New York: Viking Press, 1939. Print. s The Dust Bowl. United States History. N. p. , n. d. Web. 28 Nov. 2010. . WGBH American Experience . Surviving the Dust Bowl . Timeline | PBS. PBS: Public Broadcasting Service. N. p. , n. d. Web. 28 Nov. 2010. .
Tuesday, November 26, 2019
T he subject of international political economy, e Essays
T he subject of international political economy, e Essays T he subject of international political economy, emphasize on the politics of international economic relations. One can expect to deal with economic issues of trade, finance, production, environment and development, but not from the perspective of economic theory. Instead , this write up seeks to explore International Relations concepts, ideas and literatures on the economic relations among states, and between states a nd non-state actors such as firms, societal groups and international organisations . The focus will therefore be on the political problems tha t arise as a consequence of the increasing density of international e conomic relations. This essay seeks to compare and contrast the realist and liberalist perspective in relation to the international political economy. Realism and liberalism are useful theories when considering international relations, and in fact having the two opposing . International relations can be used to describe the academic pursuit to gain an understanding of how nations interact with each other (Dunne and S Smith 2005). However, it can be argue d that in the globalised and multi - stakeholder world that now exists , a focus purely on the states involved will not be able to fully explain the actions and reactions on the international stage. This paper describe s international relations as the interactions of all stakeholders involved in setting nationally interested policies and the related diplomacy required to execute said policies . This wide view of international relations will test both realism and liberalism since both theories were established to explain the actions and reactions of the individual citizen, but have subsequently been grafted o n to the study of state systems . Therefore, both theories look to extrapolate the individual to the system view. This also suggests that both theories look to the state as the principle actors. It is easy to argue that realism has been the predominant theory in the previous decades, this is most prevalent in the language and naming principles of the epochs throughout time which are always pre- or post- a named conflict. It is also true to say that realism has a natural home in international relations, which has always traditionally focused on the conflicts and tensions between nations, with realism "depicting a world characterised b y security competition and war" . This could be in part due to the large-scale conflicts that have shaped and re-shaped the world in the last century, with realism providing a useful theory to assist in understanding the conflict-led means of ordering the world. The most recent of which was the Cold War which proved realism on the global scale as the bi-polar world between the US and USSR seemingly edged closer to conflict through continuous competition, suggesting a anarchic world competing for survival and dominance. There are three main types of realism which have been developed as the theory is continually challenged by actual events. Classical Realism focuses on the innate desire for humans to dominate one-another and extrapolates this view to states. Neorealism suggests that all states are seeking to survive within an international system, but as that system is anarchic in nature each state must survive on its own( Cooper 2004). Burchill describes this as states being "thwarted by the absence of an overarching authority which regulates their behaviour towards each other." The latest addition to Realism is the Offence- Defence Theory, which suggests that "war was more likely when states could conquer each other easily. When defence was easier than offence, however, security was more plentiful, incentives to expand declined and cooperation could blossom." This line of thought may seem fairly logical, that a state wil l only engage another state where it believes it has the ability to win. However, it could be used to explain why the number of state-on-state actions has decreased without discounting the whole realist way of thinking. It also rather simplistically places nations alongside each other as "like-units' engaging in instrumentally rational decision making." It is both the simplicity of understanding nations as like-units' as well as the notion of states acting perfectly rationally which if often cited as a reason against realism. Realism is certainly an easier theory to define, and provides a simple measure for the casual o bserver
Friday, November 22, 2019
Can Green Card Holders Get Financial Aid
Can Green Card Holders Get Financial Aid SAT / ACT Prep Online Guides and Tips If youââ¬â¢re a high school student and a green card holder, you might be wondering if youââ¬â¢re eligible for any financial assistance for college. The short answer to the question, ââ¬Å"Can green card holders get financial aid?â⬠is yes, but whatââ¬â¢s the process for getting it? Weââ¬â¢ll discuss the forms you have to fill out and how to determine your eligibility for financial aid as a green card holder in this article. Can Green Card Holders Get Financial Aid? According to the Department of Educationââ¬â¢s Federal Student Aid division, US permanent residents with a green card (Forms I-551, I-151, or I551C) are considered ââ¬Å"eligible noncitizensâ⬠and can get financial aid from the US government. The financial aid available for permanent residents includes federal student loans and state grants. If your green card has expired, you can still get financial aid as long as your permanent residency hasnââ¬â¢t expired; you just need to make sure you renew your green card. Unfortunately, if your permanent resident status has expired, you canââ¬â¢t get any federal financial aid. Here are some other groups considered to be eligible non-citizens (and therefore can get federal financial aid): US nationals (including natives of American Samoa or Swains Island) Citizens of the Republic of Palau (eligible for Federal Pell Grants, Federal Supplemental Educational Opportunity Grants, and Federal Work-Study) Citizens of the Federated States of Micronesia and the Republic of the Marshall Islands (eligible for Federal Pell Grants only) Holders of an Arrival-Departure Record (I-94) from US Customs and Immigration Services (USCIS) that shows you as "Refugee," "Asylum Granted," "Cuban-Haitian Entrant," "Conditional Entrant" (if issued before 1 Apr 1980), or "Parolee" (paroled for at least a year with intent to become a US citizen or permanent resident) Those with a T nonimmigrant status (T-visa) or whose parents have a T-1 nonimmigrant status Those who qualify as "battered immigrant-qualified aliens" (or their children), as designated under the Violence Against Women Act Find out more about the different types of financial aid out there with our simple guide. Financial Aid for Green Card Holders: How to Get It We've established that the answer to "can green card holders get financial aid?" is yes, but how do you go about it? The process for getting financial aid as a green card holder is almost identical to what youââ¬â¢d do as a US citizen. Weââ¬â¢ve outlined the three steps you need to take here. Step 1: FAFSA for Green Card Holders To get financial aid as a permanent resident, you must fill out the Free Application for Federal Student Aid, or FAFSA, before the deadlines for federal and state financial aid. The federal deadline is generally June 30th (midnight, Central Time) for the following school year. For example, the deadline for the 2017-2018 school year is June 30, 2018. Deadlines for state assistance vary from state to state; for instance, the application for Massachusetts state funding for the 2017-2018 school year was due May 1, 2017 (midnight Central Time), while the state funding for New York for that same year is due the same time as the federal deadline for FAFSA (June 30, 2018). Find out what your state of residencyââ¬â¢s FAFSA deadline is here. As a green card holder, when you fill out FAFSA you must enter your eight- or nine-digit Alien Registration Number, or ARN. You can find more information on how to find your ARN here. Step 2: Contact Your College Colleges and universities, particularly those with large endowments, often offer students grants, scholarships, work-study programs, and loans. Check out our list of colleges that offer 100% financial aid to see the different sorts of aid given at different schools. The best way to find out what kind of financial aid for green card holders is available at your college is to reach out and ask. Look up your collegeââ¬â¢s financial aid office information and contact them directly to get the most accurate information. Step 3: Research Private Scholarships In addition to government-based and school-based financial aid, you may also be able to get private scholarships. Like school-sponsored scholarships, private scholarships do not require repayment and help keep your student debt down. Learn more about what scholarships are out there and how to apply for them with this expert guide. Whatââ¬â¢s Next? Looking for an introduction to what financial aid is? Read this great guide to financial aid and paying less for college. Whatââ¬â¢s the average cost of college tuition, and whatââ¬â¢s not included in it? Find out what the real costs of college are and the best way to keep those costs down. Where are the best schools to get a lower-cost education? We have articles highlighting which colleges have the best financial aid and which US colleges are cheapest overall. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:
Wednesday, November 20, 2019
Critical Thinking Questions Coursework Example | Topics and Well Written Essays - 250 words
Critical Thinking Questions - Coursework Example a teacher leader, the principles which one should use include leading with values, people centered, achievement oriented and managing tensions and dilemmas (Day and Harris, 2012). Changes are of different categories, and they all depend with the teacher leader who wants to implement them. In this circumstance, implementing a permanent change to the institutions will be more beneficial in making the institutions realize their visions. It will involve making necessary adjustment, which matches the need of the institutions. In order to ensure that this becomes successful, it will need evaluation of the areas which needs to be improved (Reeves, 2008). It will also need assessment at ensuring that the critical areas are taken into consideration. Implementation of change begins with assessment of the areas which needs to be changed. As an educational leader, you need to involve all parties including students and other fellows in ensuring that all goes well. This will entail working on programs which will bring change to all stakeholders (Danielson, 2007). However, implementation of change is different from managing change since implementation deals with introducing changes whereas management of change involve making necessary adjustment in the process of already existing
Tuesday, November 19, 2019
Case Analysis of Omega Essay Example | Topics and Well Written Essays - 500 words
Case Analysis of Omega - Essay Example As a result the bottom line corporate profits suffered in relation to a more efficiently structured performance management system. The measures that follow constitute an in-depth analysis of the steps that were taken to develop a more efficient performance management system, as well as a recommendation on the means by which Omega, Inc. can continue to move towards a more efficient model. The performance management system at the Omega corporation began with a training program designed to coach the sales professionals to a level of proficiency The individual subsidiaries then agreed and collaborated on the development of a performance management and evaluation system. The first step in the initiation of this system was to develop a thorough job description of the saleââ¬â¢s position and distribute it to the saleââ¬â¢s professionals at all the subsidiary branches. Furthermore, a mission statement was developed about the corporate aims and the intended goals of the sales professionals and distributed in the same manner as the job descriptions. The mission statement was also included prominently among the saleââ¬â¢s offices and meetings were held were subsidiary managers informed the sales professionals about the mission statement and company goals. In addition to these measures, formal performance management steps were taken to institute a performance evaluatio n program. Specific performance goals were set for each employee. The sales professionals were also required to attend thorough training sessions. During the training course the sales professionals received feedback about their performance. Feedback mechanisms were also instituted on the job as managers continued to inform the sales professionals of their performance. While these methods were a step ahead of the past method, they ultimately were unsuccessful as the sales professionals had no means of keeping track of their own
Saturday, November 16, 2019
Advanced Microeconomics Essay Example for Free
Advanced Microeconomics Essay Question 1: Consumer Theory 1.1: In both the Marshallian and Hicksian consumer optimisation problems, it is assumed that consumers are supposed to be rational. The main focus of these problems are cost minimisation and utility maximisation, which play a huge part in consumer demand, but in real life, these are not the only problems that are considered. Also, it is assumed that every consumerââ¬â¢s indifference curve for two goods would be the same ââ¬â they are very generalised models, and do not take into account other factors. For example, not many consumers would spend their entire budget on said goods ââ¬â one thing to consider would be a consumerââ¬â¢s marginal propensity to consume and save. Though both of the problems provide a framework and model of consumer decisions, they are not plausible when applying them to real-life terms, because we have imperfect knowledge. 1.2: The expression given in the question, is the rearranged derivative of the Hicksian demand being equal to the Marshallian demand, when income from the budget constraint is equal to minimised expenditure, whereby m=ep, à ¼. This is given by: dDdp= dHdp- dDdm . dedp using m = e. Shephardââ¬â¢s Lemma provides us an alternative way of deriving Hicksian demand functions, using e. It is given by: dedp= x* It is important to note that e is strictly increasing in p, due to Shephardââ¬â¢s Lemma, and x* 0,by assumption. Substituting this into the above expression gives: dDdp= dHdp- dDdm x*à This expression now represents a complete law of demand, as it has combined both Marshallian and Hicksian demand, whereby income from the budget constraint of Marshallian demand, is equal to minimised expenditure of Hicksian demand. Therefore, it has maximised utility and minimised cost simultaneously, to create an optimal quantity of demand in x*. The first term, dDdp, means that Marshallian demand (maximising utility) increases, relative to the price of the good. dHdp represents the Hicksian part of the expression, whereby expenditure is minimised, relative to the price of the good. Question 3: Adverse Selection, Moral Hazard and Insurance 3.1: Insurance markets are needed when risk is present. Risk occurs when there is uncertainty about the state of the world. For example, car drivers do not know if they will crash their car in future, and suffer a loss of wealth ââ¬â so they would purchase insurance to eliminate this risk of loss, and protect them if they were to ever crash their car. Agents (buyers of insurance) will use insurance markets to transfer their income between different states of the world. This allows insurance markets to trade risk between high-risk and low-risk agents/states. These can be described as Pareto movements. A Pareto improvement is the allocation, or reallocation of resources to make one individual better off, without making another individual worse off. Another term for this is multi-criteria optimisation, where variables and parameters are manipulated to result in an optimal situation, where no further improvements can be made. When the situation occurs that no more improvements can be made , it is Pareto efficient. A condition for efficiency is the least risk-averse agent bears all the risk in an insurance market. If a risk-averse agent bears risk, they would be willing to pay to remove it. A risk-averse agent has a diminishing marginal utility of income; whereby his marginal utility is different across states, if his income is different across states. The agent would give up income in high-income states, in which his marginal utility is low, to have more income in low-income states (e.g. bad state of the world causing a loss of wealth), where his marginal utility would be high. If the insurance market is risk neutral, they will sell insurance to the customer, as long as the payment received is higher than the expected value of pay-outs that the insurer is contracted to give to the customer in different states of the world. Whenever the agent bears some risk, unexploited gains from trade exist. Absence of unexploited gains from trade is a requirement in an efficient insurance market, therefore the situation must arise, whereby the agentââ¬â¢s income is equalised across the states of the world. A risk neutral insurance company can charge a premium to equalise the agentââ¬â¢s income across states of the world, in the best interests of the risk-averse agent. Also, for an insurance market to beà efficient, a tangency condition is implied. The tangency of the indifference curves of a risk-averse agent, and a risk-neutral agent, is where efficiency occurs. At this point, one cannot be made better off, without the other being made worse off (Pareto efficiency). However, an insurance company will never be completely efficient in real life, as information asymmetry exists. The first type of information asymmetry to arise in an insurance market is moral hazard, whereby the actions that an agent may take after signing the contract cannot be observed. This gives the company a trade-off decision between giving full insurance or offering incentives for the agent. Full insurance is first-best in the absence of asymmetric information, when the insurance company is risk-neutral and the agent is risk-averse. However, if the agent is fully insured by the company, they have no reason to prevent a bad state of the world from happening. To solve this problem, the insurance company will not offer full insurance, in order to provide the agent with an incentive to avoid losses. The second type of information asymmetry to occur in an insurance market, is adverse selection. This is when the agent has private information about his risk type and characteristics, and agents in the market are heterogenous. As the insurer doesnââ¬â¢t know which agents are high-risk or low risk, the company will not offer different types of full insurance to match risk-types, as high-risk agents will prefer contracts that are designed for low-risk agents. To solve this, the insurer will offer low-risk agents less insurance ââ¬â this ensures that high-risk types do not have the incentive to choose a contract for low-risk customers, as they will want more insurance, because they know they will need to claim more. This ensures that the insurance company maintains non-negative profit, as high-risk individuals cost more to insure. However, these solutions carry agency costs, because the result is less efficient than if symmetric information was present. I believe that risk neutrality of an insurance company is a sufficient condition for insurance to take place. Insurance companies are risk-neutral to maximise expected profits, therefore as the principal, will design contracts to achieve this, as well as making certain that the agent picks the desired effort (i.e to prevent a bad state of the world) for that contract, and to make sure that the agent even picks theà contract in the first place. Making sure incentives are compatible, and ensuring participation by the correct risk types, are constraints on maximising expected profits. If an insurance company was risk-averse, without the availability of symmetric information, they cannot differentiate between different risk-types, and therefore would not want to take on the risk of possible high-risk agents buying low-risk contracts. They would charge a higher premium to offset this, which would discourage low-risk customers to sign a contract with the company, as it would not be maximising their own utility. This would lead to a missing market, where trade would be prevented, because other risk-neutral companies would offer better contracts, and they would be able to steal all the low-risk customers. The magnitude of this would depend on the number of low- and high-risk people in the population. This leads me to believe that risk neutrality is also a necessary condition for insurance to take place. 3.2: An insurance company will sell a policy, c, r, if it makes non-negative profits, then:à ââ â r-pic âⰠ¥0,à where c = payout, pi = probability of the loss state, r = premium. Competition in the market drives profit down to zero, therefore r-pic = 0 in equilibrium. For the contract to be at equilibrium, it must satisfy two conditions: the break-even condition, whereby no contract makes negative profits; and absence of unexploited opportunities for profit, because if there was a contract outside of the offered set, with non-negative profit, would mean the offered set is not in equilibrium. If all agents are homogenous, if all agents face the same probability of loss, pi=p, insurance companies would know each buyerââ¬â¢s pi. The firm must maximise each agentââ¬â¢s utility subject to the firm breaking even. This would be at the point of tangency of the agentââ¬â¢s indifference curve and zero-profit constraint. This would be in equilibrium as another profit-making polic y could not be offered. Therefore, as they can observe agentââ¬â¢s risk types, they can offer different policies, to different types: à ¸i= ri, ci. It follows that each is offered full and fair insurance. In real life, heterogeneity is usually the case. This is when pi varies with all individuals. Assuming that there are two types: high-risk types, H, and low-risk types, L, where the probabilityà of loss for H is higher than for L. Individuals know their own probability of loss i=H, L, but insurance companies are unable to observe this. In this case, there are two different kinds of equilibria that insurance companies could opt with: the candidate pooling equilibrium and the candidate separating equilibrium. The pooling equilibrium is where all risk types buy the same policy. In contrary, the separating equilibrium is based on each risk type buying a different policy. In the pooling equilibrium, if both H and L risk-types choose the same policy, the probability of loss is p and the probability of no l oss is 1- p. Therefore, the slope of the ââ¬Ëaggregate fair-odds line is -1-pp. The pooling contract must lie on this line to be in equilibrium, to ensure the firm breaks even exactly. The contract must also ensure both types want to buy it ââ¬â it must take both L and H to higher indifference curve than the indifference curve they would be on if they stayed uninsured. Agent L ends up below his fair odds line, and H above his, which means L pays more than expected costs, and H pays less ââ¬â both pay the fair pooled premium, but H claims on the policy more. So if L prefers to buy the contract, so will H. This leads me to believe both L and H will be able to get full insurance, though itââ¬â¢s not completely fair, as the firm does not need H to choose a different policy to remain breaking even. However, this brings to mind the notion that if full insurance is offered, the agent will not have the incentive to prevent a loss state. Therefore, less insurance will probably be offered, and as both risk types are paying the same premium of the same policy, neither will receive full insurance, as it impossible to differentiate between the two ââ¬â they will both choose the same policy offered. In the separating equilibrium, one contract would be offered to L, and another to H. Each risk type must prefer the contract designed for that type (i.e. the incentives must be compatible). The contracts offered should give each type the highest possible utility, subject to the firm breaking even. If full insurance contracts were offered to both L and H, where their respective indifference curves are tangent with their respective zero-profit constraints/fair-odds lines, low risk customers would prefer the policy designed for them, but high-risk customers would also prefer the same policy, not the policy designed for them. So they would not both be offered full insurance, as this gives rise to the problem of preventing H from imitating L ââ¬â low-risk agents are cheaper to insure for the firm (claim lessà often) so they get a better rate. Therefore, instead of offering L full insurance, they are offered C, which is still on their fair odds line, but on a lower indifference curve, still ensuring the zero-profit constraint. Now, if the high-risk agents were to choose between the policy designed for them, and C, they will choose the policy designed for them, because they prefer to have more insurance for less money. So, in conclusion, in the separating equilibrium, high-risk (H) customers receive full insurance, and low-risk (L) customers only receive partial insurance ââ¬â they pay the price to prevent H from imitating them. L is worse off than if there was symmetric information in the market, but no difference to H.
Thursday, November 14, 2019
Beat Poets :: English Literature Essays
Beat Poets The "Beat Movement" in modern literature has become an important period in the history of literature and society in America. Incorporating influences such as jazz, art, literature, philosophy and religion, the beat writers created a new and prophetic vision of modern life and changed the way a generation of people sees the world. That generation is mow aging and its representative voices are becoming lost to eternity, but the message is alive and well. The Beats have forever altered the nature of American consciousness. The Beat Generation of writers offered the world a new attitude. They brought to society a consciousness of life worth living. They offered a method of escape from the stultifying, unimaginative world we live in, through the exploration of one's intellect. Beat has had many different contemporary implications in music, poetry and literature. Literature has been liberated considerably. The poetic form has been changed to inaugurate a new poetic form, an American form. "There was less emphasis on tradition and more emphasis on the individual talent. (www.rohan.sdsu.edu)" One of the most important contributions to contemporary verse was to take poetry out of the classrooms and into non-academic settingââ¬âcoffee houses, jazz clubs, large public auditoriums and even athletic stadiums. Poetry is more popular and more read than anytime in history, not only spoken poetry but also sung poetry of a high order. "The literature, coordinated by pop music, with a way of dressing, with a way of life, it something that has influenced the youth of the world not only in Western countries but Eastern countries as well. (www.charm.net)" Music has been influenced greatly by Beat writing. The lyrics of many great songs have forever been changed by the writing of the Beat Generation. "Bob Dylan's favorite poet was Allen Ginsberg. Ginsberg became one of Dylan's greatest friends. He worked on many projects with Dylan...The band Rage Against the Machine has many of Ginsberg's poems and words show up in their songs. For instance the song 'Bulls on Parade' includes Ginsberg 'Hadda Been Playing on the Jukebox' (www.charm.net)" Generation X writers are compared to the Beat writers. Many people say that the "generation coming to age has the potential to bring a new vision to society. The Beats thumbed their noses at the corporate world just like Generation X does today. (www.altx.com/io/beatgeneration.html)" Many writers of Generation X have been influenced by the writing like Andy Clausen, Eliot Katz, Geoffrey Manough and Ed Sanders.
Monday, November 11, 2019
ââ¬ÅFifth Businessââ¬Â by Robertson Davis Essay
Paul Dempster was born on December 28, 1908 to Amasa and Mary Dempster. He was suspected to be premature by about 80 days, but that was an estimate made by Dr. McCausland. Paul was described as ââ¬Å"Red, of course, as all babies are red. But he was wrinkled like a tiny old man, and his head and back and much of his face was covered with weedy long black hairâ⬠(page 13), and ââ¬Å"his cry was like the mew of a kittenâ⬠(page13). Dunnyââ¬â¢s mother was pleased with the progress he was making, ââ¬Å"I think little Paul is going to pull through. Heââ¬â¢ll be slow, the doctor says, but heââ¬â¢ll be alrightâ⬠(page 17), but Dr. McCausland was very wrong. Though Paul could neither read or write when he got older, he was very interested in the tricks that Dunny would show him ââ¬Å"taking the coin from me and preforming the pass perfectlyâ⬠(page 33). Paulââ¬â¢s home life was not one of the best. His mother was, what the town referred to as, simple and his father blamed her condition on his birth. He was also tormented by the other children in the town because of an incident in the gravel pit involving his mother and a tramp. This took a mental tole on him and shortly after the death of his father Paul ran away and joined the circus. Though his experience in the circus made him into Magnus Eisengrim, ââ¬Å"The Great Magicianâ⬠, he was still unable to free himself from his past. Paul also had much hostility towards Percy, the boy who was also a contributing factor in his premature birth. Paul was blamed by his father for the mental state of his mother but Paul found out as a child from Dunny that it was not his fault, but the fault of himself and his friend Percy. This hostility resulted in the mysterious murder of Percy and though it was never said that Magnus actually committed this act of violence it was pretty clear to the reader that the coincidence was to staggering to be anyone else. Though Paul does not play the role of that main character in The Fifth Business he does play an important role in the life of the character in which the novel revolves around. His is life alone gives meaning to the whole novel and defines Dunny. His birth and his legend are far from what would be expected of a Parsons son, but he lived his life the way he wanted and made the most of a talent with magic and congering.
Saturday, November 9, 2019
Compare Traditional Radio Listening with Listening to a Station Via a Mobile App. How Are They Different?
Hayden Cremeens COM 200 Chapter 8 Essay 6. Compare traditional radio listening with listening to a station via a mobile app. How are they different? When the radio became a popular past-time in America, it changed society. The radio industry is a rapidly growing business; the number of stations increased 100% from 1970 to 2010 (Dominick, 2013, p. 189). Traditional broadcastings like talk-shows and National Public Radio announcements eventually shifted into a majority of music-orientated stations; however both formats still remain.Traditional FM radio stations that are available nationally or locally have limitations of the genre of music that one listens to; opposed to mobile app, such as Pandora, that allows you to choose specific genres. Traditional radio stations have more commercials than mobile apps; therefore constant interruption during music streaming. Some traditional radio stations have embraced the apps.Clear Channel, a radio company, has had success with the merge of trad itional radio to a mobile app. Clear Channel has developed the IHeartRadio app; which allows users to listen to local radio stations in over 150 stations where ever their location (Dominick, 2013, p. 188). I prefer mobile apps because they stream directly to a computer, smartphone or other portable device (Dominick, 2013, p. 194).Apps offer choice-based stations like Pandora (Dominick, 2013, p. 194). Choice-based stations ââ¬Å"â⬠¦let listeners choose their favorite artists and types of music to create their own playlists. In effect, listeners program their own unique radio station (Dominick, 2013, p. 194). â⬠References Dominick, J. (2013). The dynamics of mass communication: Media in the digital age (12th ed. ). New York: McGraw-Hill.
Thursday, November 7, 2019
Huckleberry Finn Essays (664 words) - English-language Films
Huckleberry Finn Essays (664 words) - English-language Films Huckleberry Finn In his latest story, Huckleberry Finn (Tom Sawyer's Comrade), by Mark Twain, Mr. Clemens has made a very distinct literary advance over Tom Sawyer, as an interpreter of human nature and a contributor to our stock of original pictures of American life. Still adhering to his plan of narrating the adventures of boys, with a primeval and Robin Hood freshness, he has broadened his canvas and given us a picture of a people, of a geographical region, of a life that is new in the world. The scene of his romance is the Mississippi river. Mr. Clemens has written of this river before specifically, but he has not before presented it to the imagination so distinctly nor so powerfully. Huck Finn's voyage down the Mississippi with the run away nigger Jim, and with occasionally other companions, is an adventure fascinating in itself as any of the classic outlaw stories, but in order that the reader may know what the author has done for him, let him notice the impression left on his mind of this lawless, mysterious, wonderful Mississippi, when he has closed the book. But it is not alone the river that is indelibly impressed upon the mind, the life that went up and down it and went on along its banks are projected with extraordinary power. Incidentally, and with a true artistic instinct, the villages, the cabins, the people of this river become startlingly real. The beauty of this is that it is apparently done without effort. Huck floating down the river happens to see these things and to encounter the people and the characters that made the river famous forty years agothat is all. They do not have the air of being invented, but of being found. And the dialects of the people, white and blackwhat a study are they; and yet nobody talks for the sake of exhibiting a dialect. It is not necessary to believe the surprising adventures that Huck engages in, but no one will have a moment's doubt of the reality of the country and the people he meets. Another thing to be marked in the story is its dramatic power. Take the story of the Southern Vendettaa marvelous piece of work in a purely literary point of viewand the episode of the duke and the king, with its pictures of Mississippi communities, both of which our readers probably saw in the Century magazine. They are equaled in dramatic force by nothing recently in literature. We are not in this notice telling the story or quoting from a book that nearly everybody is sure to read, but it is proper to say that Mr. Clemens strikes in a very amusing way certain psychological problems. What, for instance, in the case of Huck, the son of the town drunkard, perverted from the time of his birth, is conscience, and how does it work? Most amusing is the struggle Huck has with his conscience in regard to slavery. His conscience tells him, the way it has been instructed, that to help the runaway, nigger Jim to escapeto aid in stealing the property of Miss Watson, who has never injured him, is an enormous offense that will no doubt carry him to the bad place; but his affection for Jim finally induces him to violate his conscience and risk eternal punishment in helping Jim to escape. The whole study of Huck's moral nature is as serious as it is amusing, his confusion of wrong as right and his abnormal mendacity, traceable to his training from infancy, is a singular contribution to the investigation of human nature. These contradictions, however, do not interfere with the fun of the story, which has all the comicality, all the odd way of looking at life, all the whimsical turns of thought and expression that have given the author his wide fame and made him sui generis. The story is so interesting so full of life and dramatic force, that the reader will be carried along irresistibly, and the time he loses in laughing he will make up in diligence to hurry along and find out how things come out.
Tuesday, November 5, 2019
Assess the impact by 1939 of Nazi Essay Example for Free (#1939)
Assess the impact by 1939 of Nazi Essay The National Socialist Party came to power through a series of swift, ruthless and devastating actions which firmly established Germany as a fascist state. The centralisation of power in Germany, known as ââ¬Ëco-ordinationââ¬â¢ (Gleichschaltung), was initiated on the day of the election and was carried out with such clinical efficiency, that the German state was completely transformed within a matter of months. Hitlerââ¬â¢s Gleichschaltung was extremely successful in altering the cultural and economic landscape of Germany in the years between 1933 and the commencement of the Second World War in 1939. National Socialism touched every aspect of life; youth culture, the role of women, education, the economy and the effect it had on employment, the working class, as well as religion in the domination of the Christian Church. As this essay will explain, each of these individual developments in German society, which were initiated by the Nazi regime, came together to precipitate a complete cultural transformation for the lives of German people by 1939. Nazi Seduction of the German People The attraction of the Third Reich was compelling for the German people and strong feelings of national pride were instilled in the mass population. Germans were moved by wave after wave of brilliantly staged nationalistic promptings in the form of spectacular public rallies and stirring speeches. The totalitarian state model, which was so important to the Nazi Partyââ¬â¢s grip on its people, was achieved through a mix of persuasion, motivation and discrimination. Individualism was quickly replaced by a way of life steeped in collective gestures and symbols; mass rallies, uniforms, public commemorations and in particular, the gesture synonymous with the Nazi era ââ¬â the ââ¬ËHeil Hitlerââ¬â¢ salute. Although these public messages became tiresome to many Germans, they were a constant theme throughout the Nazi era, and were therefore inescapable. They were successful in convincing the German masses of the power of the Third Reich as an all conquering, superior phenomenon. The mobilisation of German youth was a vital cog in the National Socialist propaganda machine. The drive towards creating a fiercely dependent and loyal German youth was formed on the basis of a rejection of the old bourgeois world in favour idealistic notions of a new and more egalitarian society.The lengths to which the Naziââ¬â¢s went, in order to harness the loyalty of the German youth were great and centred on the creation of a rival organisation to the formal education system called the Hitler Youth (Hitler ââ¬â Jugend). When Hitler came to power in 1933, the Hitler Youth organisation had only 107,956 members. By the end of 1933 however, under the leadership of Baldur von Schirach, most youth movements were under the influence of the Nazis and the few remaining nonconformists such as Catholic organisations were feeling the Nazi influence. Two laws, which came into effect in December 1936 and March 1939 made participation in the Hitler Youth (HJ) mandatory, driving up membership of the organisation to 8,870,000 at the beginning of 1939. The Hitler Youth indoctrinated young Germans with Nazi concepts of race, discipline and obedience. Summer camps were set up, in which political ideological teachings, physical fitness, rifle practice, endurance and team-building games were core activities. The aim was to breed a new type of German, one which was loyal to National Socialism and would thus ensure the future existence and expansion of Germany as a Nazi state. The family was an institution of supreme importance to the Nazis, being regarded as crucial to the future success of The Third Reich. Much was done to raise the popularity of marriage and increase birth-rate, as mothers who stayed at home to bring up large families were put on a pedestal and treated with utmost respect. On 12 August ââ¬â the birthday of Hitlerââ¬â¢s mother ââ¬â every mother who had given birth to a large number of children was awarded a Motherââ¬â¢s Cross. Rewards for raising large families were also financial, as special welfare benefits were awarded to encourage marriage and motherhood.à Newly married couples were offered a 1,000 mark loan, repayable at three per cent interest, which was reduced by 25 per cent after the birth of each child. This loan effectively turned into a free gift from the state following the birth of four healthy children. The role of women in Nazi Germany was clearly defined, encouraging them to embrace their ââ¬Ënaturalââ¬â¢ role as mothers. As already mentioned, women were the focus of the Nazi drive to boost birth rate, and were ushered away from the idea of a full-time career in favour of starting or extending a family. Furthermore, within education, girls would be directed away from developing their academic ability and independence, in favour of training for future maternal roles through compulsory courses in domestic science and biology. Upon reaching adulthood, the indoctrination of Nazi ideals continued through membership of three womenââ¬â¢s organisations, all created by the Nazi party ââ¬â the German Womanââ¬â¢s Enterprise, the National Socialist Womanhood and the Reich Mothersââ¬â¢ Service. By March 1939, over 1.7 million German women had attended one of these Nazi organised courses. In its crusade to win over the working class, the Nazis offered a vast array of publicly funded leisure activities. The Nazi Kraft durch Freude (KdF) (Strength through Joy) organisation was officially founded to promote the physical prowess of the individual, although in reality its essential purpose was to educate and socialise the German population into National Socialism. The Nazi leisure policy was initiated with the hidden intention of rallying the German people towards active voluntary participation in National Socialist Germany. An active, thriving leisure movement it was believed would contribute to the thrust of National Socialism as a whole, enhancing the vitality and all round commitment to the German cause. The economic success of the Nazi regime is remembered most for its remarkable success in reducing unemployment. The cornerstone of this recovery was the implementation of the many work programmes, which created jobs for the phenomenal number of unemployed Germans at the beginning of Hitlerââ¬â¢s reign. German economists had recognised that the abandonment of narrow fiscalism in favour of counter-cyclical strategies based upon investment in the infrastructure and public housing was essential in order to reduce levels of unemployment. Job creation schemes, such as the construction of the Autobahn ââ¬â the major motorway network ââ¬â and house building schemes resulted in a fall in unemployment from 34% in January 1933 to 13.5% in July 1934. Upon coming to power, Hitler embarked on a crusade to eradicate Christianity, as he believed it to be a product of Jewish culture ââ¬â a religion he perceived as a corrosive influence on the German population. The process of gradually reducing the influence and presence of the church in Nazi Germany was achieved in a number of ways. The establishment of the Reich Church, the German Christians organisation and the German Faith movement introduced a new Christian religion based on the core ideals and beliefs of National Socialism. This was yet another example of the iron grip with which the Nazis sought to control the German population. Nazi economic and social policy had a phenomenal effect on the German mass population by 1939. The levels of propaganda used to capture the loyalty of the German people were deeply influential, effectively brainwashing the population. The focus on the future strength and solidarity of The Third Reich as a totalitarian state saw key aspects of the German lifestyle subjected to significant changes between 1933 and 1939. The effect that Nazi social and economic policies had were seen most significantly in their effect on women, youth, education, the economy with regards to employment, the motivation of the working class, and religion. Nazi propaganda went further than this in its influence on the German way of life, as the press,à industry, art and culture, and all forms of entertainment were transformed into mere puppets of the Nazi regime. The gradual erosion of individualism and devotion to The Third Reich amongst German people could not have been achieved without the changes imple mented in these fundamental aspects of daily life. Assess the impact by 1939 of Nazi. (2016, Jul 07).
Saturday, November 2, 2019
Consumer behaviour and marketing Essay Example | Topics and Well Written Essays - 2500 words
Consumer behaviour and marketing - Essay Example Generally, marketing to such a consumer base has to be made depending upon certain strategies. However, in an era of globalisation, serving consumers worldwide is what most marketers and producers have to do. Global consumer culture hence implies, the expansion of businesses and organisations all over the world in order to serve people belonging to different cultural backgrounds (Arnould, 2009, p. 3). Such a strategy involves a huge research to study the innate characteristics of consumers and this is where the importance of the present research lies. Outline In this era of globalisation, the concept ââ¬ËGlobal Consumer Cultureââ¬â¢ has its own significance. It would not be wrong to say that the multinational organisations have to invest money as well as time to frame up strategies for each of their destination countries. Global consumer culture is a relief for them to let them think the world as a global village and a single market. However, evidences show there are a number o f obstacles resisting the spread of this concept. The segment ââ¬ËGlobal Consumer Culture: The Limitations of the Conceptââ¬â¢ has discussed these points taking reference from books and journals. At the end, a conclusion has been inferred from the discussion and analysis, carried in the earlier segments. The analysis and evaluation section is primarily associated with the different kinds of consumers that the marketers have to deal with and the strategies that they adopt to handle each according to their cultural backgrounds. Global Consumer Culture: The Limitations of the Concept ââ¬Å"Consumer culture can be defined as a social arrangement in which the relations between the [lived cultural experience of everyday life] and social resources, between meaningful [valued] ways of life and the symbolic and material resources on which they depend, is mediated through marketsâ⬠(University of Wyoming, n.d., p.1). Consumer culture is a system, in which the behaviours found in t he consumption process and in all times and places it is dominated by the consumption of commercial products. This also enables the transmission of existing cultural values, norms and habitual ways of doing things from generation to generation. The consumer behaviour is largely influenced by the free personal choice in the private arena of daily lives. In this modern era, the consumer culture is no longer governed by tradition rather it is more influenced by instability in the economy. Globalisation culture positioning is a strategy, used to cover various consumer segments emerging with the global consumer culture (Warren, 2009). As the globalisation has spread its wings; companies do not bother to cross the boundaries of the countries. In such a case, global consumer culture is driven by the expansion of the organisations and its marketing principles across the globe. In theoretical terms, global culture can be described as the process wherein the global consumers would be united i n way to make this world as a single market place. As per Belk, introduction of global culture would lead to homogenisation of global consumption. Global consumer culture facilitates the same consumption behaviour of the consumers, which means that consumers in every corner would have the opportunity to eat the same food items, wear the same fashionable clothes, drive the same types of cars, watch the same television programs, stay
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