Baby Boomers Essay Research Paper Our children free essay sample

Baby Boomers Essay, Research Paper Our kids are our hereafter ; our seniors are our foundation ( Wissel L. 2000 ) . Fifty five million Americans are age 50 five and older, harmonizing to the United States Census Bureau, of that figure, 30 five million are age 60 five and older. By the twelvemonth 2030, the 60 five and older population will duplicate to seventy million, and the fastest turning section of the older population is age 80 five and older. The babe boomer coevals will shortly make the retirement age, and expected to redefine old age. Merely as they have redefine every phase of their lives because boomers will be the largest coevals of aged, they will impact everything from lodging to wellness attention as the market and society caters to their wealth, length of service, and involvement in new engineering ( Dytchweld K. 1999 ) . We will write a custom essay sample on Baby Boomers Essay Research Paper Our children or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The babe boomer coevalss besides the first to hold the luxury to analyze personal issues and raise inquiries refering work, wellness attention, engineering, political relations, and societal and moral issues ( USA Today Magazine, November 19, 1999 ) . No other coevals reflects the complex universe we live in today. The babe boomers have left their unerasable grade on America # 8217 ; s societal landscape. The babe boomers created pop civilization and a new signifier of political activism ( Breaux J. November 1999 ) . Education, medical progresss, and engineering afforded more freedom and independency. Soon America will look different ; the mean age of the population will travel up to 55. The babe boomers will hold the benefits and face the challenges of length of service. Can America afford the societal, medical, and political issues the aging babe boomers demand? Will our transit system guarantee more old drivers have safe options? How will our national lodging policy adapt to the senior roar? How about the pension and fiscal programs that allow older Americans to travel in and out of retirement ( Breaux, J. November 1999 ) . The size and distinguishable characters of the babe boomers will non merely make a sense of urgency to c urrent issues, but besides create a whole new set of aging issues. Among the many cultural parts of the babe boomers along with the free love, the drug scenes and Grateful Dead ties, was the construct of coevals spread ( Veith G. ) . In every other civilization and throughout history, kids were socialized to be grownups. When kids grew up they took their parents topographic points, functions and their values. There was no separate subculture, no music and manner to put off the younger coevals from their parents. Children were dressed, for the most portion, like small grownups, but in the mid 20th century, American civilization became stratified along generational lines ( Veith G. ) . The coevals prior to the babe boomers, after World War II, had excess ordinary prosperity and better populating through engineering, may hold spoiled their kids a small. The babe boomer coevals neer concentrated on larning their parent # 8217 ; s accomplishments and subjects, but worked hard on entertaining themselves. This procedure was helped along with non merely te lecasting, but possibly even more significantly wirelesss and record participants, which made possible the mass production and countrywide distribution of music ( Veith G. ) The babe roar coevals has ever been in the limelight reshaping every American establishment. As kids, the public school systems were reinvented to run into their demands. As immature grownups, music and pop civilization was drastically changed by their engagement. As they move towards old age, they will besides redefine and revolutionise the American ripening experience. Baby boomers have reaped the benefits of alteration. They grew up with more instruction and high outlooks, engineering and medical research have blossomed throughout their lives and they have come to anticipate lifestyle betterments in every bend. With their political clout, they will anticipate the authorities, corporate America, the research community and the wellness attention sector to run into their turning demands. Government policies should promote private sector investings in merchandises and services to assist the demands of the aging babe boomers and reflect the diverseness in life style, race and income of the hereafter senior citizens. For the last few decennaries the influential babe boomer section of the population dominated the American civilization virtually in any facet. Television scheduling may non specifically aim babe boomers, but since babe boomers fit into the premier 18 to forty nine twelvemonth old or 20 five to fifty four twelvemonth old demographics that are preferred by most advertizers, the babe boomers are, by default, the biggest portion of many web audiences ( Walther C. 1998 ) . Because the babe boomers capture the king of beasts # 8217 ; s portion of attending from coders and advertizers, programming might alter to pull the demographics. We are now seeing a alteration on today # 8217 ; s overseas telegram scheduling, we now see more overseas telegram web Stationss that cater to go, such as the Travel Network, educational plans like the one # 8217 ; s shown in the Discovery Channel, engineering and information systems like Tech TV and many more. The biggest web that is hiking high following from babe boomers is the Home and Garden Television ( HGTV ) , which profiles people who have undertaken midlife calling or lifestyle alterations ; and holiday life, a plan aiming the more flush and older babe boomer section sing drawn-out holidaies ( Walther C. 1998 ) . Networks will besides utilize on air endowments with # 8220 ; a small grey hair # 8221 ; , utilize older music that is familiar to the boomers, or seek to make or change plans for boomers to fir their life style ( Walther C. 1998 ) . Music pictures are even altering presents, Music Television ( MTV ) still caters to younger viewing audiences, but Video hits One ( VH1 ) has change their focal point. Rather than concentrate on a general audience, they are specifically aiming babe boomers with their shows. They are having creative persons that the babe boomers listened to while turning up. Artists like the Beatles and the Beach Boys merely to call a few. The supermarket of the hereafter will be redesigned ; they will transport more assortments of nutrients and merchandises that will be geared towards the demands of the babe boomer section. Prepared take-out nutrient, more organic fruits and veggies, specially prepared and raised meat merchandises are some of the assortments that we can anticipate to be a chief basic on future food market shop. Servicess such as banking and wash services will besides be provided to consumers to maximise the consumer # 8217 ; s shopping experience. The babe boomers will act upon how our nutrient will be manufactured, the concern on wellness and moral values will coerce the nutrient makers to reshape the manner they prepare and select their ingredients ( Saccomano A. 1999 ) . They have to offer nutrients that will profit wellness or fortified merchandises that contain vitamins and foods. Since the boomers will be the taking border of outlook and penchant, with their demands on quality and convenience, will besides profit all consumers, immature and old. One impact that the boomers might hold on the following coevals is household values. Because the boomers have singularly devoted to their personal demands and wants one effect on that attitude of egoism is the high divorce rate of babe boomers ( Monaldo, F. 2000 ) . The high divorce rates of the babe boomer coevals have deprived their kids parental counsel and love. Unfortunately payback possibly looming. A new survey led by Lilliana Pezzin, a Professor of medical specialty at John Hopkins University, documented what common sense would hold predicted. Children learn from their parents, even the unintended 1s ( Monaldo F.2000 ) . The kids of divorced parents offer far less attention for their ripening parents than other kids whose parents stayed together ; they besides receive far less fiscal aid from their kids. A big figure of babe boomers may happen themselves in a alone old age cared for by establishments and uncomforted familial ties. The coevals that thought largely of themselve s may happen themselves populating on their ain with out any household support ( Monaldo F. 2000 ) American # 8217 ; s longer life span mean that many will go on to put, and they will be passing more money during their retirement old ages. From age 65 to seventy five, they will be passing every bit much money as usual ( Fahey M. 2001 ) . From age 75 to eighty five to eighty five they will be decelerating down and may desire to get down assisting their kids and grandchildren. After age 85 they will be passing more of their money for medicative intents. Investing securities firms, banking establishment and fiscal services will profit from the extract of nest eggs and fiscal planning that they will be involved in. The turning Numberss of babe boomers with medical state of affairss are on the rise. In the article, A Baby Boomer Boom ( Kirchheimer, B. 2001 ) Trent Healthcare Corporation ( A For Profit Hospital ) , during the six month period which ended November 30, 2000, say that volume at the infirmary rose 12 per centum for people aged fifty one to sixty old ages old. They expect that the use of the infirmaries by the aged will increase in even greater Numberss in the old ages to come. With this cognition they plan to concentrate on handling the types of medical jobs they are most likely to see: cardiology, gynaecology, orthopaedicss, oncology and neurology. Other Fieldss of health care will be in optometry and audiometry. As people grow older, eyesight and hearing are normally the two senses that will deteriorate before the organic structure gives manner. Pharmaceuticals, and drug shop ironss will be affected greatly by the outgrowth of the babe boomer into the retirement age. The young person obsessed babe boomers will desire to keep a vernal visual aspect, long life rhythms of anti-aging picks, hair colour interventions, nutritionary addendums, and a host of future merchandises that can assure to do people look and experience younger. Retirement communities will be turning enormously, for those who are physically and mentally independent. There are more people now that are into physical fittingness these yearss, as a consequence future seniors will be more healthy and capable on caring and supplying for themselves. They will hold future demands for recreational activities, so concerns that cater to different types of physical activities and leisure for the ripening will make really good. There is a downside to this. After age sixty-six, the likeliness of a individual developing Alzheimer’s Disease doubles about every five old ages ( Dytchwald, K. Dec. 18. 2000 ) . Unless a remedy is found in our life-time, it is estimated that the disease will strike 14 million babe boomers by the center of this century, up from four million today. Dytchwald besides notes that the continuance of the disease, which presently averages 8th to ten old ages before decease will go on to be prolonged to fifteen to twenty more old ages or more. One of the first support groups concerns will be interested in are the kids of the retiring people. Most retired persons will non desire to or can non afford to populate in a retirement place, particularly with the addition of aged maltreatment in retirement places that are ever featured on the intelligence media. The kids of retired persons will non desire to put their loved 1s in such installations, therefore concerns should look for ways to assist or alter the state of affairss to do the kids of the aging population to experience more at easiness on puting their loved 1s in retirement installations. In place attention for those who are handicapped and populating with their loved 1s, will be something that the household will necessitate so that their normal life activities, will non be affected with the load of an incapable aged remaining in their place. The demand for more nurses and physicians for in-home and hospital attention will be greatly in demand, for there will be many more people in the hereafter because of the inflow of the aging boomers, that will necessitate specializers to care for them. There will besides be demands for more wellness attention installations such as nursing places, infirmaries and retirement places for those who are ill and do non hold the support of their households to care for them. Healthcare insurance is another concern that will gain greatly as the boomers enter the retirement phase of their lives. There will be a great demand for medical specialties, most, of which will far transcend the income of the aged. Peoples will be looking for the best and cheapest manner of make fulling prescriptions, doing them shop smarter for insurance bearers doing these companies to vie and give better aid to the consumers. Private transit companies are another concern section that will be positively influenced by the demand of the aged for mobility. We have seen recent studies on Television on the jobs of the aged drive and commanding their vehicles. At a certain age people lose their ability to run motor vehicles, and people are still diffident of public transit particularly topographic points like Southern California where people are dependent on driving around by themselves. Once driver # 8217 ; s licence are taken off from the aged do non intend that they will lock themselves up into isolation. There will be a great demand for alternate transit for the one # 8217 ; s that need mobility and do non desire to be dependent on other people to acquire them to topographic points that they need to travel, like medical installations, recreational installations and food market shops. Homosexuals and sapphic babe boomers are another group that specialized concerns will provide to. The demand for lodging communities, societal organisation installations and tonss more will be lifting because the homosexual and sapphic communities will mean to contrive their ain manner of retirement, one that celebrates being portion of a like-minded community ( Rosenberg, D. Jan. 15, 2001 ) One alteration that the babe boomer population has changed is the manner they do and cover with political relations. The babe boomers will be really influential in the political sphere, alterations that they have demanded are more directed to jobs of the population as a whole. The babe boomers have brought together all races to the bargaining tabular array. Recognizing the past coevals # 8217 ; s misdirection and damaging incompetency, the babe boomers are now exerting their ain opinion to repair the thought and past patterns of the pervious coevals in political relations. Baby boomers no longer believe in follow the leader, they will oppugn whatever they think is incorrect or they will necessitate accounts and justifications on issues that will impact them. The boomer coevals has enacted Torahs sing favoritism in the work force, child care and safety Torahs, environmental issues, merely to advert a few. Baby boomers know that in order to hold a strong and united state, we must larn to alter our thought, attitudes and behaviour on diverseness. This attitude of the babe boomers will be an illustration for the coevalss to come, who in bend can do any type of bias a thing of the yesteryear. To truly demo the attitudes and places of the babe boomer coevals, an article from the Suburban Baby boomers Take on City Hall from Macomb Township to Westland ( Detroit News Oct. 10, 2000 ) showed their activism in political relations. They are voicing out their sentiments and experiencing to the metropolis hall politicians about their discontent on the manner things are enacted on their metropolis. The article besides claims that the babe boomers have been awakened and are despairing for alteration on issues like environment and authorities, it says that the babe boomers are now in the driver # 8217 ; s place and they will do alterations harmonizing to their demands. ( Celente G. ) . Baby boomers are taking control of their lives. They will be altering political relations for the good of everyone else. Changes in universe trade, globalisation, societal security, Medicare and human rights will be enacted as they take control of the vote bulk. The babe boomer coevals is acquiring old and wiser, alterations in policies toward wellness attention and other needed reforms will be expected to conform to their retirement demands. They grew up independent and would wish to remain that manner and non depend on the following coevals for their retirement demands. To lucubrate more on the topic of wellness attention concerns of the babe boomers, an article written by Amy Turnbull, ( Morning Star November 15, 1999 ) Quoted Mr. Patrick Brady, who is the executive manager of Citizens for Long Term Care ( CLTR ) , a non partizan Washington D.C. based non-profit-making organisation that wants to raise consciousness of jobs in the long term attention system. He talked about jobs that can be exacerbated as babe boomers age. Mr. Brady told occupants and others at the Manorhouse that in 30 one old ages, more than twenty per centum of the population will be 60 five or older and the cost of long term attention will be astronomical. By 2030, unless important alterations are made in America # 8217 ; s entitlement plans, societal security disbursement, Medicare and federal civilian and military pensions, disbursement will transcend the authorities # 8217 ; s grosss. In decision, The babe boomer coevals will be the largest retiring population that our society will see. They will impact determinations that in bend will be the footing on how society will populate in the close hereafter. Because of their political clout and voting power the babe boomers will fundamentally make up ones mind the hereafter of the state, how society will see beliefs, how Torahs will be enacted and make more Torahs that will be made for the demands of the retiring babe boomers. Because of their wealth and length of service, many concerns will provide to their demands, alterations on nutrient fabrication will be affected for the better, and we will see more alimentary nutrient and many more installations offering convenience. The medical Fieldss will be impacted the most by the retiring babe boomers, the demand for more installations, better services and attention, and effectual prescription drugs will be in high demand in the close hereafter. Future callings of people wi ll besides be impacted by their retirement ; people will acquire occupations that are related to straight or indirectly to the demands of the retiring babe boomers. Research and engineering will besides profit from their retirement ; their usual demands for better things will foretell what new ways people will be making or doing in the close hereafter. Everyone should be made cognizant of the effects of the retiring babe boomers. There will be tonss of technological progresss and exciting alterations that will go on, but there are besides issues that the state as a whole should get down thought and happening ways to work out right now, issues like societal security benefits, Medicare, aging society issues, medical attention and many more. Confronting issues at an early phase will non merely profit the retiring population, but the state as a whole. The close hereafter can be an exciting topographic point to be the benefits that the aging babe boomers will demand can besides do everyo ne # 8217 ; s life better. They will impact all facets of life ; political relations, concerns and societal life will alter to conform to the aging babe boomers # 8217 ; demands. So acquire ready, The babe boomers are coming. Mentions Walther, C. October 12, 1998. Cable News Network Play to Baby Boomers. Multi Channel News Lucas, F. July 17, 1999. Food Market of Future Affluent Boomer # 8217 ; s Influence Grows. Washington Times, Business Section Monaldo, F. March 21, 2000. What Goes About Comes Around. [ Online ] Available. hypertext transfer protocol: //www.suite101.com/aricle.cfm/392/35287 Breaux, J. November 9, 1999. The Baby Boomers Are Coming. [ Online ] Available. hypertext transfer protocol: //www.senate.gov/breaux/columns/991108a.html Dytchwald, K. September18-5, 1999. How the twenty-first Century will be Ruled by the New Old. Chicago, Putnam Thatcher. USA Today Magazine. November 1999. Aging Baby Boomers May Help Decelerate Down Society. [ Online ] Available. hypertext transfer protocol: //findarticles.com/cf_0/m1272/2654/jhtml Fahey, M. January 29, 2001. ( Almost ) Ready to Retire. Insight on the intelligence ; Washington Kirchheimer, B. January 15, 2001. A Baby Boomer Boom. Modern Healthcare ; Chicago Griffin, M. December 18, 2000. Gear Up for the Coming Aging Wave. Drug Store News ; New York Rosenberg, D. January 15, 2001. A Topographic point of Their ain. Newsweek Magazine ; New York Hoagland J. November 5, 2000. Baby Boomers Politics. The Washington Post ; Washington D.C. Kurth, J. October 10, 2000. Suburban Baby boomers Take on the City Hall From Macomb Township to Westland. They are acquiring into political relations. Detroit News. Detroit, Michigan. Saccomano A. October 18, 1999. Finical Eaters. [ Online ] Available. hypertext transfer protocol: //www.findarticles.com/cf/_0m0voo/3/article.jhtml Turnbull, A. November 15, 1999. Tar Heel Politics. Morning Star News. Wilmington, NC

Using Response Cost in Classroom Behavior Management

Using Response Cost in Classroom Behavior Management Response cost is the term used for removing reinforcement for an undesirable or disruptive behavior. In terms of Applied Behavior Analysis, it is a form of negative punishment. By removing something (a preferred item, access to reinforcement) you decrease the likelihood that the target behavior will appear again. It is often used with a token economy  and is best used when a student understands the implications. An Example of Response Cost Alex is a young child with autism. He often leaves the instructional setting, requiring the teacher to get up and leave. He is currently working on sitting in the instructional setting while participating in an imitation program. He is given tokens on a token board for good sitting during instruction, and earns a three minute break with a preferred item when he earns four tokens. During trials he is given constant feedback on the quality of his sitting. Even though his leaving the site of instruction has decreased, he does occasional test the teacher by getting up and leaving: he automatically loses a token. He quickly earns it back when he returns to the table and sits well. Eloping from the classroom has been extinguished. Leaving the instructional site has dropped from 20 times a day to three times a week. With some children, like Alex, response cost can be an effective way to extinguish problematic behavior while supporting other behavior. With others, response cost can present some serious problems. Response Cost as Part of an ABA Program The basic unit of instruction in an ABA Program is the Trial. Usually, a trial is very brief, involving an instruction, a response, and feedback. In other words, the teacher says, Touch the red one, John. When John touches the red one (response), the teacher gives feedback: Good job, John. The teacher may reinforce each correct response, or every third to fifth correct response, depending on the reinforcement schedule. When response cost is introduced, the student may lose a token for an inappropriate behavior: the student needs to know that he or she can lose a token for the target behavior. Are you sitting nicely John? Good Job or No, John. We dont crawl under the table. I have to take a token for not sitting. You need to constantly be evaluating the effectiveness of response cost. Does it really reduce the number of inappropriate behaviors? Or does it just drive the inappropriate behavior underground, or change the misbehavior? If the function of the behavior is control or escape, you will see other behaviors popping up, perhaps surreptitiously, that serve the function of control or escape. If it does, you need to discontinue response cost and attempt differentiated reinforcement. Response Cost as Part of a Classroom Token Economy Response cost can be part of a Classroom Token Economy, when there are certain behaviors that can cost a student a token, a point (or points) or money (a fine, if you are using play money, School Bux or whatever). If it is a classroom program, then everyone in the class has to be able to lose points at a set rate for a certain behavior. This reductive method has been shown to be effective with students with ADHD, who often never get enough points for positive behavior, so they end up very quickly bankrupt in the classroom economy. Example: Mrs. Harper uses a token economy (point system) in her Emotional Support Program. Each student gets ten points for each half hour that he/she stays in their seat and works independently. They get 5 points for each completed assignment. They can lose 5 points for certain infractions. They can lose 2 points for less severe infractions. They can get 2 points as bonuses for exhibiting positive behavior independently: waiting patiently, take turns, thanking their peers. At the end of the day, everyone records their points with the banker, and at the end of the week they can use their points in the school store. Cost Response for Students with ADHD Ironically, the one population for whom cost response is effective are students with Attention Deficit Hyperactivity Disorder. Often they fail at classroom reinforcement schedules  because they can never quite earn enough points to get the prize or the recognition that comes with earning points. When students start with all their points, they will work hard to keep them. Research has shown this can be a powerful reinforcement regimen for students with these behavioral disabilities. Pros of a Response Cost Program When you have real clarity about the behaviors for which a student can lose points, tokens or access to reinforcers, it is likely that you will see very little of those behaviors. At the same time, you are reinforcing the desired behavior.Response cost is easy to administer,When the student has a behavior that prevents his or her peers from learning, creates a danger to himself or others (eloping, climbing on furniture) response cost can provide a swift punishment without actually applying any aversive. Cons of a Response Cost Program If the ratio of positive reinforcement is not at least 3 to 1, your students may never get out of the hole. It will merely be punitive, and never really take hold.If response cost is not consistently applied in a non-emotional way, it will become the source or recrimination and bad blood between students and staff or students and teacher.If it builds dependence on punishment, it will be counter-productive. Reinforcing replacement behavior is still the most effective way to change undesirable behavior. Resources and Further Reading â€Å"Behavior Modification in the Classroom.† Learning Disabilities and Challenging Behaviors: A Guide to Intervention and Classroom Management, by Nancy Mather et al., 3rd ed., Brookes, 2008, pp. 134-153.Walker, Hill M. â€Å"Applications of Response Cost in School Settings: Outcomes, Issues and Recommendations.† Exceptional Education Quarterly, vol. 3, no. 4, 1 Feb. 1983, pp. 47-55.

Critical Summary of a recent journal article in cognitive psychology Essay

Critical Summary of a recent journal article in cognitive psychology. The aim of this is to help students in their critical reading and note taking - Essay Example This article describes the different psychological aspects of how children tend to lie and whether the adults are able to determine if the child is lying or not. It explains a child’s psychology that with age a child starts to determine the concepts and thinking of adults and hence he can successfully lie. In this respect a lengthy research was conducted in which children from the age group of 10 to 13 were chosen and they were interviewed. These interviews were videotaped and shown to observers who were then questioned and data was collected from them to reach to a final result to determine the different verbal and non verbal aspects of a child’s lying and whether the adults could accurately find out if the child was lying or not. The results of the research showed that prepared lies were difficult to be caught than unprepared ones and the reason for this being that the children are able to think and plan the details before lying. It also showed that they could more easily know that the child is telling the truth but it is difficult for them to judge whether he is lying. And last but not the least adults were not good at determining the child’s deception. Regarding the children it was seen that they were equally nervous when they were telling a lie or the truth when facing the interviewer so this could not be considered to be a major factor. One interesting thing which was seen was that the lying patterns of children were somewhat similar to adults as they tried to remain calm and cool while lying and also they were actually trying to relate their lies with real life incidents. The final conclusion that we get is that it is very difficult for an adult to know if a child is lying or not. This poses a serious problem especially when children facing criminal charges are to be questioned. Factors that adults more often consider to check a child’s lie for example the

Mans dark past Essay Example | Topics and Well Written Essays - 1000 words

Mans dark past - Essay Example This paper explores this literature by focusing on three short stories to determine the significance of literature in illuminating on the shadowy plane of humanity. Good Men Are Hard To Find In â€Å"Good men are hard to find† the author initially portrays a horror story, but in the end it becomes a religious tale in which there is a determination of how good and evil are distinguished. The story is seen through a grandmothers’ point of view, the lead character in the story. She represents the old generation who are religious, and is tormented by the modern world, and thus, hard to please in any way. Every person around her appears to be flawed as she says that they lack respect or just because they are tired of dealing with her high expectations. However, what the grandmother does not realize is that her old judging ways were also flawed, for if she stopped dwelling in the past and opened her eyes to life realities she could have saved the whole family from the misfit. Therefore, the title of the story is the representative of the grandmother’s assertion of then changed society, and this is evident when Red Sam’s wife states; â€Å"It isn’t a soul in this green world of God’s that you can trust†¦ And I don’t count nobody out of that, not anybody, as she is looking at her husband† (O’Connor 370). Therefore, the story has more to just a family going for a vacation away from home, for it contains prefigures that allude to the conclusion of the story. This is depicted in the conversations of characters, especially the grandmother and children’s mother whom have been used as symbols of the old and the new to bring out lessons to the human kind (DiYanni, 322). This show how good and evil has continued to have a never ending battle through the eyes of O’Connor. Greasy lake The second short story â€Å"Greasy Lake† is characterized by rape, death, alcohol and drugs all of which ar e attributes held by the bad boys in the story (Walker, 257). The main character who is the author begins the story by the description and that of his friends as a bad character. This is depicted in the way they dress: â€Å"we wore torn-up leather jackets, slouched around with toothpicks in our mouth, sniffed glue and ether and what somebody claimed was cocaine† (Walker, 250). Therefore, in as much as the narrator has described the greasy lake to be a dangerous place, it is where they chose to spend their days and late nights just to be termed as bad boys (Boyle, 130). However, as it turns out, this lake seems to be a symbol that is used to convey the deterioration of morals in the society. This is because as the narrator says, the current waters of the lake were not the same as in the past, which made the Indians who were the original inhabitants of the place name it Wakan in reference to the clarity of its waters. Therefore, this change of waters from the time of Indians a s clear to murky is a sure enough example to communicate the corruption of the current morals of the societal context. The lake symbolizes the decadence in morals, especially the youth culture. This is a depiction of how man can only look back into his history to derive lessons. This is so because during the time the Native Americans lived there, they took care of the

JPMorgan Chase Paper Essay Example for Free

JPMorgan Chase Paper Essay In the summer of 2012, JPMorgan Chase, the largest leading U. S. bank, announced trading losses from investment decisions made by its Chief Investment Office (CIO) of $5. 8 billion. The Securities and Exchange Commission (SEC) was provided falsified first quarter reports that hidden this massive loss. Discuss how administrative agencies like the Securities and Exchange Commission (SEC) or the Commodities Futures Trading Commission (CFTC) take action in order to be effective in preventing high-risk gambles in securities / banking, a foundation of the economy. In the summer of 2012, JPMorgan Chase, the largest leading U. S. bank, make known trading losses from investment verdict made by its Chief Investment Office (CIO) of $5. 8 billion. The Securities and Exchange Commission (SEC) was provided falsified first quarter reports that concealed this enormous loss. The duty of the U. S. Securities and Exchange Commission is to protect investors, uphold fair, organize, and efficient markets, and facilitate capital formation. Obligatory public companies to disclose meaningful financial information to the public is an effective move toward the SEC takes in order to assure the securities of this nation (U. S. Securities and Exchange Commission). These assist investors prevent high-risk gambles and allows them to make the right decisions when deciding on which companies to invest in. The Commodity Future Trading Commission regulates the product futures and options markets. Its target includes the promotion of competitive and efficient futures markets and the protection of investors against manipulation, abusive trade scheme and fraud (U. S. Securities and Exchange Commission). Both the SEC and the CFTC played a role in investigating the massive trading losses in the case of JPMorgan Chase. The SEC’s investigation could only focus on the suitability and completeness of JPMorgan Chase financial reporting and other public disclosures. However; SEC Chairman Mary Schapiro stated that her agencys investigation is limited, because the trades happened in divisions of the banking giant that arent subject to SEC regulation (CNN Money). The leader of CFTC, Gary Gensler, give an opinion that â€Å"JPMorgans losses are worth looking into, because as a U. S. bank, it is an entity with direct admission to the Federal Reserves discount window and federal deposit insurance (CNN Money). Determine the elements of a valid contract, and discuss how consumers and banks each have a duty of good faith and fair dealing in the banking relationship. A contract is a legally obligatory promise or set of promises (Bagley, C. 2013). If this promise is broken, either party involved can be legally responsible and take the other party to court. There are four basic elements in the creation of a valid contract. The first consist of an agreement between the parties involved, by an presented offer and acceptance. The second states that the parties’ promises must be supported by something of worth, known as consideration. The third advises both parties must have the ability to enter into a contract. The fourth element states the contract must have a legal purpose (Bagley, C 2013). The duty of good faith and good dealing is implied in every contract. In recent years the mortgage industry has been seen as a prime example of how consumers and banks need to better understand and adhere to duty of good faith and good dealings. Consumers had the responsibility of understanding the contracts involved in borrowing the money needed for their homes. Banks had the responsibility of knowing who they should lend money to, and the conditions of the rates involved on the loans provided. Relationships between banks and consumers could have been avoided if the duty of good faith and good dealing was implemented on contracts granted between the banks and consumers. Compare and contrast the differences between intentional and negligent tort actions A tort is a body of rights, and obligations that is applied by courts in civil proceedings to provide relief for persons who have suffered harm. Tort means civil wrong resulting in injury to a person or property (Bagley, C. 2013). An intentional tort action is when there is intent to cause harm to a person or property . Intentional torts include things like assault and battery, slander, false imprisonment, libel, and intentional infliction of emotional distress. These torts are often, but not always, the case that an intentional tort is also a criminal act (Bagley, C. 2013). A negligent tort action is when a person is careless to his or her own actions and did not intend to cause harm to a person or property. Even though that person is negligent, he or she is still held legally responsible because of their careless actions. To illustrate the difference between negligence and an intentional tort, let’s look at an example with two different scenarios. The plaintiff is a woman named Ramona, and in both cases, she is suing because of a broken leg. state of affair #1: Ramona is walking down the aisle of Wal-Mart store when she slips and falls on a puddle of cooking oils. The owner of the store was negligent for not cleaning up the spill. Even though the store owner did not intend for Ramona to get hurt, he is still liable for her broken led because his negligence lead to her injury. Scenario #2: Molly is walking to her car when she is assaulted by a man who wants to steal her wallet. The assailant shoves her to the ground, and she breaks her wrist as a result of the attack. The police later catch the assailant, and Molly sues him for her injuries. In both cases the end result is the same; Ramona end up with a broken leg. Both defendants can be held liable for Ramona injuries, but for different reasons. The store owner is liable because he failed to clean up the spilled of oils, which a reasonable person would have done. The assaulter is liable because they intentionally caused harm to Molly by pushing her. Discuss the tort action of â€Å"Interference with Contractual Relations and Participating in a Breach of Fiduciary duty† and, if the bank you’ve chosen were to behave as JP Morgan did, would you be able to prevail in such a tort action. The interference with contractual relations defends the right to enjoy the benefits of legally binding agreements (Bagley, C 2013). The existence of a contract at the time of the assumed interference is what separates tortuous interference with contract from the more complicated to establish tortuous interference with prospective contractual relations. If good grounds exist for the interference, such as the case with JP Morgan, then the defendant would not be liable. With the advent of mobile banking, discuss how banks have protected the software that allows for online transaction to occur through automation. The majority banks inform consumers that they are protected by the Online Banking Security Guarantee, which covers the security of your information and bank accounts. Banks hold a liability of making sure the consumers security is protected, and if dishonored most banks will guarantee up to a 100 percent against theft of your funds from online banking services. While many worry about online banking, there’s good news that mobile banking is to some extent secure just for the reason that there are so numerous variations of banking apps and methods in the market. A thief has no way of predicting which technique a possible victim might use. Cited Work U. S. Commodity Futures Trading Commission. (n. d. ). Retrieved March 1, 2013, from U. S. Commodity Futures Trading Commission: http://www. cftc. gov/index. htm CNN Money (n. d. ). Retrieved March 1, 2013, from http://money. cnn. com/2012/05/22/news/economy/jp-morgan-senate/index. htm U. S. Securities and Exchange Commission. (n. d. ). Retrieved March 1, 2013, from U. S. Securities and Exchange Commission: http://www. sec. gov/ Bagley, C. (2013). Managers and the Legal Environment: Strategies for the 21st Century, 7th Edition. Mason: South-Western, Cengage Learning.

Chilly Morning. Essay -- essays research papers

There is a place where the chill of the morning air cuts through a person like a knife. To stand up would take every muscle of the body, but even that would take too much energy. Thus, one sits upon the icy pond called the floor. Is this a dream? Somewhere a voice answers that it is more like a nightmare, so one just makes the most of it.   Ã‚  Ã‚  Ã‚  Ã‚  All around the sights and sounds of the morning begin to take affect. Very few people are there in the beginning. They all are in a sleepy haze, yearning to be back in the sweet comforts of their own bed. There they can wrap themselves in a blanket of never ending warmth and dream a never ending dream. In the harsh reality of the morning, they are here in the chilly morning air. There are very few sounds in the twilight of the day. All that one can hear is the buzz of what is the beginning of talking. Far off there is the sound of an early morning basketball game. There the players can hear the cheering of the crowd of a championship ball game in its fourth quarter. Will they win? Who knows?   Ã‚  Ã‚  Ã‚  Ã‚  There is some strange aroma that starts to wake the senses. In a nearby room there is a fresh, hot pot of coffee brewing. It begins to wake the senses and the mind, however, one still would rather be at home in bed. An awful stench begins to take the place of the coffee. The smell of breakfast begins to drift down from the kitchen. It has the aroma of mom cooking scrambled eggs. One begins to ...

Perkin Warbeck Essay

Explain why Perkin Warbeck remained a threat to the security of Henry VII for so many years. Perkin Warbeck was the second Yorkist pretender to the English throne after Lambert Simnel was defeated at the Battle of Stoke in 1487. Between the years 1491-99, he posed a significantly destabilising threat to Henry VII in dynastic terms, impersonating Richard of York, the younger son of Edward IV. The successes of Warbeck, which led him to remain a threat to the King’s security, may be largely categorised into the support from foreign powers during this period and discontent existing in England due to Henry’s methods of ruling with relation to sustaining an authoritative and respected status both within his own country and abroad. Whilst it is possible to challenge such a concept of a threat, Warbeck was eventually executed in November 1499, demonstrating in a modern context that the King’s perception of this pretender was one of great concern for his position. Steven Gunn has suggested that ‘Henry was a usurper and carried with him the problems of this title’. Upon taking the English throne, it was inevitable that Henry would face opposition to his rule, particularly in consideration of his lack of familiarity with English politics and those supporters of the Yorkist claim. With the knowledge that Richard III intended John de la Pole to inherit the crown and having already fought at the Battle of Stoke to secure his position, it would seem almost equally likely that Henry would be a paranoid character by the time that Perkin Warbeck came to attention, and he could not predetermine the reactions of the De la Pole family, who were largely responsible for the pretenders. It is significant not only that Warbeck was the second embodiment of discontent within Henry’s reign, but also that political unsettlement had been apparent under his predecessor – also a usurper. Henry is likely to have feared reaching the same fate as Richard III, whose reign had been plagued with suspicions surrounding the Princes in the Tower controversy and indeed, the dating of his coronation to appear three days before his victory at Bosworth suggests paranoia existing even before his rule. Thus Warbeck is best viewed in one sense as a non-military threat, being an encouragement of this paranoia through the exploitation of Henry’s potentially weak position. He reminded the King of the existence of dissatisfaction within his own country and later among foreign powers. The princes had never been seen again and were presumed murdered by their uncle, Richard III. In this way, there was an immediate simplicity for Warbeck to exploit the lack of clarification as to what had happened to them. Whereas Lambert Simnel’s claim was flawed in that Henry was able to parade the true Earl of Warwick through London during the crisis, Warbeck was imitating Edward IV’s younger son, Richard of York. Hence this crisis was much more serious, for Henry was unable to prove the existence of the true Richard and if Warbeck truly was the prince he impersonated, his claim to the English throne would have been superior to that of Henry. The threat of Warbeck was enlarged by the context in which it occurred – those behind the pretender were able to follow a potentially fatal method by which Henry’s position could be destabilised. In order to ascertain why any pretender to the throne would become a prolonged threat, the nature of the monarch’s rule must be evaluated. The view of Steven Gunn could be expanded upon to maintain that Henry’s rule naturally had characteristics of that of a usurper: unlike a hereditary monarch, he required more stringent methods of discipline to enforce his position as a ruler. In addition to passing attainders against those involved with the pretenders (Edmund de la Pole was fined à ¯Ã‚ ¿Ã‚ ½5000 to inherit some of his brother’s lands and never inherited the dukedom of Suffolk for his involvement with Simnel) Empson and Dudley greatly assisted in coordinating the increased use of bonds and recognisances against subjects. Then in 1497, Perkin Warbeck’s forces rallied the rebels during the second Cornish Rising in protest against raised taxes to support the invasion of Scotland and together, they nearly took the city of Exeter. In this way, it can be observed that Warbeck becoming a threat was in a paradoxical sense – Henry needed to use more powerful methods of rule to secure his own position and dynasty than an ordinary monarch due to his status, though the discontent which such methods brought about led to resentful individuals turning to the diversion of Warbeck. Threats in military terms from Perkin Warbeck during this period may be largely attributed to foreign support. Indeed, Warbeck potentially had concern also from nobility such as Sir William Stanley, as Margaret of Burgundy, sister of Edward IV, proclaimed him as her long-lost nephew. The role of France was crucial in causing Warbeck to remain a threat to the security of Henry’s position. In 1491, he moved to the French court and was treated similarly to a prince by Charles VIII, which illustrated to Henry a possibility of an invasion – the French had funded his own invasion of England in 1485 to overthrow Richard III, and the case could potentially have been that this claimant was genuine. The threat was heightened by Charles’ discontent in 1492 after Henry’s assistance of the Duchess of Brittany in an attempt to retain her independence from France, whilst the 1489 Treaty of Medina del Campo with Spain led the French to encourage James IV of Scotland to invade England. It was Henry’s invasion of France in 1492 which appeared to be a very drastic action with regard to this pretender – it was clear that with foreign military backing, his position could be significantly threatened. However, in this respect, it must be noted that the threat was not Warbeck as an individual, but rather the concept of the proceedings and those supporting him. He became a focus for French discontent with Henry VII in the same way that he had been a Yorkist focus in England. A prolonged threat from any pretender to any throne can always be attributed to discontent with a monarch’s rule. Conformingly, Perkin Warbeck was often able to exploit this to enlist support and increase opposition to the King. It is clear that the level of foreign support given to the pretender ultimately was the greatest contributing factor in threatening Henry’s security due to the possibility of a successful invasion, though the paranoia and the methods of rule enlisted to secure his dynasty were equal factors in causing Warbeck to remain a threat. In contrast, it is very significant that Warbeck was never a primary threat as an individual, but merely a strong secondary threat behind the foreign powers and nobility that supported him – it was the concept that destabilised the position of Henry VII.