Accident that change My Life Forever

Accident that change My Life Forever An Accident that change My Life Forever â€Å"A little learning can be a dangerous thing.† (-Alexander Pope) Popes statement is explaining having too much knowledge may be dangerous, such as the invention of weapons. I never realize what a simple task my mother has explain to me many times could save my life. I still did not look both ways before going across the street, even though my mom said. â€Å"Look both ways while crossing the street, no matter if it is your turn.† I learned my lesson not listening to my mom. Now every time crossing the street, I look back to the day of the accident. In September 2002, my life change dramatically. On the way to school I got hit by a van while crossing the street. I was only in the 8th grade. From this car accident I experienced a lot of physical problems. This experience has taught me a valuable lesson to teach my daughter when she gets old enough to cross the street, but has took valuable bonding time away from us. On September 2002 the beginning of the school year, I was riding my bike to school. When it was time to cross a busy street I pushed the cross walk button. When it was my turn, I jumped on my bike and started to petal, suddenly I saw an old tan van coming my way. The sun shined through the drivers windshield into his eyes. The vehicle pushed me about fifty feet from the cross walk. The driver stopped and stepped out and said. â€Å"Are you okay?† â€Å"I am very sorry the sun was in my eyes as I was turning.† Two construction guys wearing bright orange shirts came up to me and one of them said. â€Å"Would you like to call your parents on my cell?† They told me that they seen everything that happened. The guy who hit into me called the police. I just wanted to go to school and forget everything. After the police came and took both sides of the story, I started to walk with my bike. My bike had a bent tire and was it was rubbing against the frame. I kicked it to straighten it out and got back on my bike and rode t o school. When I got there the police was talking to the principal about the accident. After they finished talking to the principal, the staff called my mother to pick me up. I was scared of getting into trouble. There were tears rolling down my face. I was going to be grounded forever. After all I did not get any consequences. My mother was to worry that there was anything physically wrong with me. After a few hours later, my mother decided we needed to see a doctor. Six hours after seeing Dr. Chang, he explained how I was going to need some pain medicine for the bruised ribs I sustained. A week prior to my doctor visit, Dr Chang read my X-Ray exams only to find out I had a bulging and deteriorating disk. Disks are the soft gelatinous material that cushions the vertebrae of the spine. In my back where the disk were providing me cushion is now friction between the bony vertebras which creates inflammation. A bulging disk is a condition in the spine. A bulging disk occurs when the disk shifts out of its normal radius and most often occurs with ageing, but happen to me very young. There was a law suit and I closed it in November 2008 for 7,000 dollars. My back causes me to have a lot of pain throughout my body. I have gone through physical therapy. I have gone to the chiropractor many times. I got prescribed pain medication, but no longer take it anymore. I have learned pain medic ation will destroy my body in the long run. My physical problem affects my daughter because it is hard to hold her all the time. She cries when I am not able to hold her under my arm when we are going to bed every night. Once she gets older she will understand why I wasnt able to do certain things for her. We have lost some valuable time together and I hope we can gain it back through the years to come. Even though, she may not able to remember I wasnt able to hold her as much. I would like to explain to her why because it will keep her safer. I will make sure to tell her this story when I am telling her to look both ways before crossing the street. I believe it will help her understand why I am going to tell her a million times every day. I didnt know why. I just crossed the street because I didnt have no knowledge what can happen to me, but she will. Back to Popes statement, knowledge could be a dangerous thing because if vehicles were not invented I most likely would not have thi s physical problem. I would also be able to hold her much as she wants me and be able to do anything for her. The positive thing that came out of this experience, I can tell my daughter about a valuable lesson learned I cannot blame this on technology. I still should have listened to my mother. I hope my daughter does not have to say the same thing.

Motivation and Organizational Culture Essay

Motivation and Organizational Culture Assignment In any given business or workplace environment the employees that work there should be the most valued assets. Research has shown that personnel who are happy and taken care of are much more productive than those who are not, therefore establishing a more pleasing work atmosphere. That being said, business leaders and managers alike play an extremely important role in workplace psychology. According to our text, leadership is the process of leading a group and influencing its members to achieve common goals. All managers are leaders (Robbins, DeCenzo, and Coulter, 2011). In today’s society more managers are leading through empowerment by allowing team members to be involved in the decision making process. More and more employees â€Å"are developing budgets, scheduling workloads, controlling inventories, solving quality problems, and engaging in similar activities that until very recently were viewed exclusively as part of the manager’s job. As mentioned earlier, research has shown that employees who are pleased are far more beneficial than employees who are not. There are many things that managers can do to ensure that their employees feel valued, and remain satisfied. First of all, it is important that managers avoid using intimidation. To intimidate means to make nervous, or instill fear. In some cases an individual can take advantage of their title and turn in to an authoritarian. In a sense this means that the big guys squash the little guys.

Hannibal’s Crossing of the Alps

Hannibal’s crossing of the Alps is one of history’s most remarkable military achievements even to this day. There are many accounts of the crossing of the Alps and what happened during those weeks and we can only speculate and use the sources and information that has lived through the decay of time. Our main primary sources that historians use to piece together the crossing of the Alps are by two of Rome’s most famous historians, Polybius and Livy.Polybius was a very rounded and mostly non-biased historian who got out of his way to travel to his locations to document facts and information which he used in his text and who lived during the time of the First and Second Punic Wars. On the other hand we have Livy who was a very pro-Roman historian who had documented his facts based on other historians who were before him as he lived almost 200 years after the Punic wars.When we compare the two accounts by both historians we tend to believe and rely more on the accoun ts made by Polybius as we know him as a reliable and fairly non-biased source whereas Livy was very biased towards Rome and based his information off of other historians. Although we see Polybius as the more reliable source, Livy does come up with some points that concern the crossing that are quite conflicting with the information presented to us by Polybius. By analysing both of these accounts we can get a better understanding of the crossing of Hannibal’s crossing of the Alps.Polybius who was a very reliable historian who we know lived around 200-118 BC during the time of the two Punic Wars provided a very detailed account of both Punic wars and Hannibal’s crossing of the Alps. Polybius is known for his determination to get actual factual evidence and firsthand knowledge of events that occurred. He resided in Rome for most of his life and occasionally undertaking long journeys throughout the Mediterranean to get knowledge on historical sites and interview primary so urces who were actually at the events.Polybius’s works (The Histories) documents the events between 264 and 146 BC which mainly involved the rise of the Roman Empire and the effort in which they went to subdue their rival Carthage. Polybius documents the First and Second Punic wars with incredible detail and is our main source for the wars, although Livy also provides some very important facts and information. Titus Livius Patavinus (59 BC – AD 17) (more commonly known as Livy) we know as to be a very pro- Roman historian who can be seen as very biased towards the Romans and paints them in an honourable and almighty glow within his texts.Some of his texts we can see as just plain lies and so we are reluctant to solely use Livy’s information to base our research and understanding around. Livy wrote a complete history of Rome from its very foundations all the way up to the reign of Augustus in Livy’s own time but the only surviving work of his is the  "History of Rome†. During the reign of Augustus Livy wrote his texts emphasizing the accomplishments and triumphs of Rome, and wrote everything with a pro-Roman view to promote a new type of government which was implemented by the emperor Augustus.With that being said a lot of Livy’s texts and accounts mislead to reader into taking a Roman view and often cut out pieces of information which would downgrade the view on Rome, and so we have come to rely more on Polybius’s accounts than Livy’s, although Livy does also provide many accounts and descriptions of events that are unavailable elsewhere and so his texts and reports are still highly valued is one of the main sources we have. Both Polybius’s and Livy’s accounts of Hannibal’s crossing of the Alps can be seen to have many similarities and so we can determine that the same source and information has been used.Although there are many similarities between the two there are also some dif ferences which can be seen throughout both texts. For example when Hannibal is crossing the Alps and he soon finds his path blocked by a pile of rocks Livy states that he uses Vinegar and Fire to break through the rock. Polybius says nothing of the subject and up to this day there has been no evidence of rock that has been carbonized at the site in which Livy had stated. Livy’s accounts of the crossing were very much the same as Polybius’s although we can see in some parts of Livy’s work that his Roman bias has written the work for him.When Hannibal was making a speech to his men after their crossing of the Rhone Polybius wrote that Hannibal spoke of their past achievements and that the hardest part of their journey was already over, but according to Livy Hannibal told his men that they were going to be fighting against the most powerful and grandest city in the world. This was not the case in Hannibal’s time and so we can clearly see that Livy had just c reated a false fact and account just to paint Rome in a brighter light.Livy’s biased for Rome is something that constantly alters Livy’s accounts. Much of Hannibal’s ascent and crossing of the Alps documented by Polybius and Livy are very similar with only a few minor alterations in the accounts of some events which took place. The main reason why the accounts of some events are different is mainly because of Livy’s biased and attitude towards Rome which makes him document the account and alter it in such a way that it paints Rome in a sense of glory and success.Another main reason which dictates the differences of the accounts is that Polybius who lived during the time of these events could go to places and get a firsthand experience and knowledge of the event by interviewing the people involved and taking notes on the actual location whereas Livy who lived a long time after the crossing had to rely on other peoples accounts and could not get firsthand k nowledge on a lot of the events.The crossing of the Alps is a fairly well documented event during the Second Punic war and one that is the most remarkable. Polybius and Livy both have very detailed accounts of the crossing and we rely on this information to piece together Hannibal’s crossing of the Alps. Although some of the facts of the crossing remain disputed and unknown we have sufficient information between both sources to have a good understanding of the crossing.Both historians give a lot of information on the crossing although we tend to use Polybius’s account as it is more reliable and he had firsthand experience and knowledge whereas we know Livy to be a very pro-Roman and did not live during the event but many years later. Both accounts of the crossing have proved to be very useful for our understanding of Hannibal’s crossing of the Alps.

Donald Trump Quotes From the 2016 Election

Donald Trumps campaign for the 2016 Republican presidential nomination was occasionally perplexing,  often controversial but  always entertaining. Theres a reason some news organizations relegated coverage of the ultrawealthy businessman to its entertainment pages. The milestones in Trumpss campaign, though, were the outrageous and controversial comments he made with the intention of generating news coverage - whether positive or negative. As the old saying goes: All publicity is good publicity. Indeed, Trumps popularity rarely suffered and often surged following many of these remarks. Trumps Most Outrageous Statements During the 2016 Election Heres a list of Trumps 10 most outrageous and controversial statements on the campaign trail for the 2016 Republican presidential nomination. 1. Picking a Fight With the Pope Its not every politician who will take on the Pope. But Trump isnt your  average politician. And he had no trouble taking a shot at the man admired by tens of millions of Catholics and Christians across the worlds. It all started, though, when Pope Francis was asked about Trumps candidacy in February 2016. Said the Pope:  Ã¢â‚¬Å"A person who thinks only about building walls, wherever they may be, and not building bridges, is not Christian.† Not a Christian? Trump didnt take kindly to the Popes remarks  and said the pontiff would believe differently if ISIS were to attempt violence against the Vatican. â€Å"If and when the Vatican is attacked, the pope would only wish and have prayed that Donald Trump would have been elected president,† Trump said. 2. Blaming Bush for Terrorist Attacks Trump was jeered during a February 2016 Republican presidential debate when he attacked former President George W. Bush, who was in office during the terrorist attacks of Sept. 11, 2001. Its a line of attack hes used many times. You talk about George Bush, say what you want, the World Trade Center came down during his time. He was president, okay? Dont blame him or dont blame him, but he was president, the World Trade Center came down during his reign, Trump said. 3. Banning Muslims From Entering the U.S. Trump enraged when he called for  Ã¢â‚¬Å"a total and complete shutdown of Muslims entering the United States until our country’s representatives can figure out what’s going on† in December 2015. Wrote Trump: Without looking at the various polling data, it is obvious to anybody the hatred is beyond comprehension. Where this hatred comes from and why we will have to determine. Until we are able to determine and understand this problem and the dangerous threat it poses, our country cannot be the victims of horrendous attacks by people that believe only in Jihad, and have no sense of reason or respect for human life. If I win the election for President, we are going to Make America Great Again.   Trumps call for a temporary ban following a claim that he witnessed Arab Americans cheering the fall of the World Trade Center towers in New York City after they were attacked on Sept. 11th, 2001.  Ã¢â‚¬Å"I watched when the World Trade Center came tumbling down. And I watched in Jersey City, New Jersey, where thousands and thousands of people were cheering as that building was coming down. Thousands of people were cheering,† Trump said, though no one else saw such a thing. 4. On Illegal Immigration Another of Trumps controversial remarks of the 2016 presidential campaign came on June 17, 2015, when he announced he was seeking the Republican nomination. Trump managed to infuriate Hispanics and further alienate his party from minorities with these lines: The U.S. has become a dumping ground for everybody else’s problems. Thank you. It’s true, and these are the best and the finest. When Mexico sends its people, they’re not sending their best. They’re not sending you. They’re not sending you. They’re sending people that have lots of problems, and they’re bringing those problems with us. They’re bringing drugs. They’re bringing crime. They’re rapists. And some, I assume, are good people. 5. On John McCain and Heroism Trump got under the skin of the Republican U.S. senator from Arizona by questioning his status as a war hero.  McCain was a prisoner of war for more than five years during the Vietnam war. He also enraged other POWs with these remarks about McCain: â€Å"He’s not a war hero. He’s a war hero because he was captured? I like people who weren’t captured. 6. The Cell Phone Incident One of the goofiest things Trump did was give out the personal cell phone number for Republican U.S. Sen. Lindsey Graham of South Carolina during a rally there. Trump claimed the lawmaker had called him begging for a good reference to be on Fox. Trump, holding up Grahams number on a sheet of paper, read the number before a crowd of supporters and said: He gave me his number and I found the card, I wrote the number down. I dont know if its the right number, lets try it.  Your local politician, he wont fix anything but at least hell talk to you. 7. Mexico and The Great Wall Trump proposed building a physical barrier between the United States and Mexico and then forcing our neighbors to the south to reimburse us for construction. Some experts, however, said Trumps plan to make his wall impenetrable along the  1,954-mile border would be extraordinarily expensive and, in the end, is possible. Nonetheless, says Trump: I will build a great wall. And nobody does walls better than me. Very inexpensively. I will build a great, great wall on our southern border and I will have Mexico pay for that wall. 8. Hes Worth TEN BILLION DOLLARS! Not wanting to put too fine a point on his wealth, the Trump campaign announced in a July 2015 filing with the Federal Election Commission that: As of this date, Mr. Trump‟s net worth is in excess of TEN BILLION DOLLARS.† Yes, the Trump campaign used capital letters to stress his net worth. But we dont really know, and probably never will know, what Trump is really worth. Thats because federal election laws dont require candidates to disclose the exact value of their assets. Instead, they require office-seekers to provide only an estimated range of wealth. 9. Picking a Fight With Megyn Kelly Trump faced some pretty direct questions about his treatment of women from Fox News journalist and debate moderator Megyn Kelly in August 2015. After the debate, Trump went on the attack. You could see there was blood coming out of her eyes. Blood coming out of her ... wherever,  Trump told CNN, apparently suggesting she was menstruating during the debate. 10. Hillary Clintons Bathroom Break Clinton was a few moments late getting back onstage during a December 2015 televised debate with her Democratic presidential rivals because she had gone to the bathroom. Yes, Trump attacked  her for it.  I know where she went. Its disgusting, I dont want to talk about it. No, its too disgusting. Dont say it, its disgusting, he told a cheering crowd of supporters.

REVIEW OF RELATED LITERATURE - Free Essay Example

Sample details Pages: 15 Words: 4624 Downloads: 1 Date added: 2017/06/26 Category Statistics Essay Did you like this example? Introduction However, due to the US housing credit crunch and turbulence in financial markets all over the world immediately took into effect and global economic growth slowed towards the end of the year (OBrien et al., 2007). Given this basic premise of the current financial crisis, this literature review will be guided by exploring studies made on how the US-induced credit crunch affected the Australian economy, particularly the housing market. The first stage of this literature review is attributed to describing the current financial crisis, specifically the events that led to its development such as the collapse of the US housing and banking sectors in 2007. Part of discussing the events that took place after the onset of the financial crisis would be to examine the various mechanisms employed by financial institutions and national governments in order to mitigate the direct and indirect consequences of the financial crisis. The second part of this literature review seeks to determine the effects of the financial crisis to the Australian economy, as well as the various policy responses made by both the Reserve Bank of Australia (herein referred to as RBA) and the Australian government. Finally, this literature review will determine whether studies on the current financial crisis were able to provide sufficient attention to the manner by which it affected the housing market, particularly in the case of Australia. Don’t waste time! Our writers will create an original "REVIEW OF RELATED LITERATURE" essay for you Create order The rationale behind these assertions lies on the need to broaden the scope of examining the consequences brought about by the credit crunch in 2007 and the financial crisis in 2008, from being centered in the US to involve other nations as well. It should always be understood that the effect of the subprime meltdown was not limited to US firms exposed to the subprime mortgage market for the reason that globalization made regional financial markets so interconnected that crisis spread across countries at tremendous speed (Moosa, 2008). Hence, it is just apropos to exhaust scholarly works that have managed to realize that at this point in time, economic activities of nations are intertwined and the development of policy solutions should also undergo the same process. Another reason for this literature review would be to identify research gaps that will in turn serve as a motivation for future studies on the effect of the current financial crisis towards nations economies such as the case of Australia. Since the underlying context for this review of related literature is the 2007 credit crunch and the 2008-present global financial crisis, the period covered for the literature surveyed in this paper will be from 2007 to the present. With these things taken into consideration, the focus of this literature review will be the effect of the 2008 financial crisis to the housing market in Australia. From the broad circumstance of the credit crunch and the financial crisis that happened in the US and inevitably transgressed to the rest of the world, this literature review seeks to identify the relationship from a macroeconomic environment of the global financial crisis to a specific case of the housing market in Australia. The justification for this lies on the need to determine whether policy responses used in the US are effective or otherwise in mitigating the direct consequences of the crisis, and vice versa. The credit crunch and the global financial crisis As it had been previously mentioned, this portion of the literature review is allotted to discuss the credit crunch as well as the occurrence of the global financial crisis. Both the credit crunch and the financial crisis are crucial concepts in this review for the reason that it will be impossible to present and examine the effects of the financial crisis to the Australian economy, specifically the housing sector if these concepts are not understood properly. According to the National Institute Economic Review (2008), the 2008 financial crisis is rooted in the US subprime mortgage defaults. Moosa (2009) defines subprime mortgages to encompass all activities involving the granting of loan to borrowers with inferior credit worthiness creating complex financial products. Meanwhile, Honohan (2008) in his study defines a credit crunch as credit related crises suffered by banks and other intermediaries which is often the cause of contraction in lending market especially if these are triggered by exogenous economic shocks. The positive attribute of the definitions provided by these authors lie on the fact that these are lifted from actual events and circumstances, more specifically the 2007 credit crunch and the current financial crisis. Another interesting point with regard to the financial crisis was given by Barrell and Hurst (2008) who stressed that financial crises are episodic and frequent and are difficult to address without major impacts in the prospect for financial growth. Based on this observation by Barrel and Hurst (2008), it becomes evident that it is inevitable under conditions of financial crises that economic growth will not be affected, especially with globalization as the underlying condition. With regard to the direct cause that led to the development of the financial crisis, Ben Bernanke (2008), believe that the period of financial turbulence on the part of the US began in 2006 when there were uncontrollable contractions in the US housing market that were caused by the inability of certain individuals to pay for subprime mortgages. Moreover, this was reinforced by increasing constraints on credit availability, which has dramatically slowed down the economy and has made it less responsive to market changes. Honohan (2008) supports this further in his discussion on the evolution of the 2008 financial crisis by asserting that the origin of the crisis was especially pronounced in the housing market wherein credit losses are so massive that it cannot be replenished anymore. The fall of house prices in the US and other major economies such as the UK directly affected economic growth in other countries. In his study, Honohan (2008) also believes that although the current global financial crisis was triggered by the 2007 credit crunch in the US banking sector brought about by the bursting of the housing bubble, definitions such as those presented by Moosa (2009) and Barrell and Hurst (2008) should not be confined to the US experience. The explanation behind this is that other nations might have responded differently upon the advent of financial crisis. In this case the positive aspects of the study by Honohan (2008) lies on the fact that it was able to present a coherent discussion of the origin of the 2008 financial crisis as something that did not happen overnight. Instead, Honohan (2008) attributes the occurrence of the financial crisis to ineffective risk management and lax monetary and fiscal policies in the US and eventually the rest of the world. Although Honohans (2008) article was focused on the banking aspect of the financial crisis and how mortgage problems in the US, his discussion of the detrimental effects of the crisis such as the closure and bankruptcy of banks and lending institutions were effective in stressing the importance of coherent monetary policies. On the other hand, the research gap identified in the article presented by Honohan (2008) is that it was highly concentrated on the banking sector in the US, thus, ignoring the direct consequences of the credit crunch and the financial crisis to the housing sector. It should always be taken into account that the financial crisis originated in the housing sector. Hence, potential solutions should first be geared towards addressing the negative consequences brought about by the crisis in the housing sector. Another gap in the study made by Honohan (2008) was that it was not able to present recommendations that will serve as a guide to policy makers as to how to mitigate the direct and indirect consequences of the current financial crisis. In a similar study, Barrell and Davis (2008) observed that the evolution of the 2007-2008 financial crises was brought about by low global interest rates arising in turn from high levels of global liquidity. This can be explained further by the case of the US wherein bank lending to households grew at unprecedented rates leading to the point that people can no longer pay their monthly dues. In addition to this, Barrell and Davis (2008) also indicated that banks are expected to hold increasingly low levels of balance sheet liquid assets, given low interest rates, and they undertook aggressive wholesale liability management to maintain funding levels. Without these initial actions taken to address the earliest manifestation of a credit crunch particularly the collapse of the housing market, countries would not have survived the crisis and will be forced to close down major financial institutions. Again, in order to understand the financial crisis and its effects towards nations and economies, it should be taken into consideration that the asset price bubble in the US in 2007 was perhaps the most noticeable occurrence in the housing sector and this has led to irreversible consequences in the financial sector. Given this event, Barrell and Hurst (2008) supports this by stating that it is the short-term fluctuations in house prices that affected consumption in countries like the US and the UK, therefore fostering slow growth in the rest of the developed world—and eventually, the rest of the world. In their discussion of the present financial crises, as well as the prospects for recession, Barrell and Hurst (2008) stated that the best way to address the negative consequences of the crisis would be through effective monetary policy through interest rates reduction which should be set by the central bank in order to prevent bubbles like the housing bubble in the US from bursting and damaging economies at larger scales. The low global interest rates contributed to rapid credit expansion and rise in asset prices which greatly contributed to the US financial crisis (Barrell Davis, 2008). The benefits provided by the study made by Barrell and Hurst (2008) and the article written by Barrell and Davis (2008) would be that in both instances, the authors were able to recognize the collapse of the housing sector as the root cause of the financial crisis. Hence, in both articles, the authors believe that solutions for the current financial crisis should not neglect making changes in the structure of the housing sector. As for the gaps in the studies presented by Barrell and Davies (2008) and Barrell and Hurst (2008), the authors in both articles failed to establish a strong relationship between the policy recommendations that they have made to counteract the negative effects of the financial crisis from worsening and the need to direct solutions at improving the housing sector to prevent another collapse in the future. Also, like most of the scholarly works reviewed in this paper, the articles presented by Barrell and Davies (2008) and Barrell and Hurst (2008) were both centered on the case of the US and the UK, without taking into account that these cases cannot be used to generalize the responses of other nations to the financial crisis. Perceived solutions to the credit crunch and the financial crisis After presenting the various definitions and understanding of the ongoing financial crisis, it is just apropos to also present the perceived solutions to the credit crunch as well as the financial crisis based on the literature reviewed for this study. According to Harris and Davidson (2009) governments have a huge role in addressing the credit crunches and financial crises through the enforcement of effective fiscal policy. The government holds responsibility to help manage the nations resources in order to foster growth and present more job-creating opportunities. In the same article, Harris and Davidson (2009) also raised that the initial response to the credit crunch was reliant on the role of the government to intervene and take action to prevent the consequences from worsening into a financial crisis and a global recession. The example given in the article was the case of the US, whose immediate response would be Paulsons initial $700 billion bail-out package that was envisioned to foster government spending through state and local governments spending. The research gaps identified in the studies presented above, namely the lack of coherent recommendations to address the financial crisis at the practical level were addressed by Harris and Davidson (2009). The reason for this is that Harris and Davidson (2009) stressed on the need for fiscal policies to counteract the immediate effects of the credit crunch. Although the focus on government intervention can be considered both as a positive and negative aspect of the study for the reason that in order to fully control both the financial and the social effects of a credit crunch, it is not sufficient to simply rely on fiscal policy but have a combination of both monetary and fiscal policy. With these things taken into account, the only identifiable gap in the study by Harris and Davidson (2009) is that it was not able to discuss existing and potential monetary policies that may go hand in hand with fiscal policies in managing the negative consequences of the financial crisis. The research gaps identified in the study by Harris and Davidson (2009) were effectively addressed in the study by Belke (2009) for the reason that it may have proposed the use of fiscal stimulus to counteract the direct effects of the credit crunch and that of the crisis as well but Belke (2009) also explored the option of having a combination of both monetary and fiscal policy in order prevent the credit crunch and the financial crisis from initiating a move towards a global economic meltdown. According to Belke (2009) the generic answer to prevent the generic economy from collapsing is that use of fiscal policy to sustain demand, since monetary policy with its main concentration on interest rates approaching zero is no longer effective. The strength of the study made by Belke (2009) is that it was able to cite concrete situations that will illustrate the effectiveness of using both fiscal and monetary policy. For instance, the case of the European Union (EU) specifically the UK wherein tax cuts are implemented in order to effectively increase demand and to foster higher levels and consumption were cited by Belke (2009) as an example of fiscal policy to boost the economy. With these examples and conditions taken into account, the research gap in the study presented by Belke (2009) lies on the fact that it was not able to fully exhaust the potential options that will aid nations, especially those that are not dependent on credit consumption, to handle the immediate impact of the financial crisis that has been triggered by the credit crunch in the US in 2007. Moreover, even if the most suitable cases to illustrate the proposed solutions would be that of the US and other developed EU countries, it would have been better if Belke (2009) used a comparative method between countries that relied on both fiscal and monetary policy and those that did not. It is only through comparison that Belke (2009) could further justify the assertions and recommendations that she had made in her study. As it had been previously raised in this literature review, Belke (2009) was not able to establish a relationship between fiscal policy, monetary policy and the housing sector. The reason for this would be that the housing sector was the triggered the financial crisis. Thus, it is just apt that immediate solutions be directed toward the housing sector as well. Furthermore, the fact the Belke (2009) also focused on the case of the US and the developed countries in the EU is also considered as a gap in the research for the reason that the effectiveness of both fiscal and monetary policy cannot be generalized in the case of only the US or the UK. The financial crisis and the housing sector This portion of the literature review briefly presents the effect of the financial crisis on the housing sector, where it is believed to have originated. It is already given that the credit crunch and eventually the financial crisis emanated from the housing industry in the US, but this does not mean that research should be confined in the case of the US and other economic superpowers such as the UK. The academic literature available regarding the effect of the financial crisis on the housing market and vice versa was once again confined to the case and experiences of the US. For example, in a speech delivered by Ben Bernanke (2008) he stated that housing markets remain weak, with low demand and the increased number of distressed properties on the market contributing to further declines in house prices and ongoing reductions in new construction. The observation made by Bernanke was reinforced by the arguments raised by Barrell (2008) wherein he pointed out that one of the significant factors that affected the worsening of the credit crunch into a full blown financial crisis would be the inability of the US government to respond to the need to intervene to economic activities. Based on these statements, it can be said that homeowners are affected by the decline in demand for houses because they cannot sell at a loss given that the current market prices for the house are low. In addition to this, homeowners cannot make further investments because their money has been trapped in the real estate property that they hold and their inability to shoulder the dept payments. In another scenario, homeowners who are facing debt for their mortgage are facing high risks of losing their property since they may not have the proper mechanism to generate additional income in order to finance for the payment. This was supported by Miron (2009) when he stated that if government redistributes income by intervening in the mortgage market it will however, it creates the potential for large distortions of private behavior. The financial crisis and the Australian Economy Prior to examining available literature on the effect of the present global financial crisis to the Australian housing sector, it is necessary to present the broader picture by determining the effect of the financial crisis to the overall Australian economy as well as immediate policy responses employed to control its negative consequences. The need to examine the effect of the financial crisis on the economy lies on the fact that the contagious effect of the subprime crisis has hit financial institutions in Europe and Australia, therefore, damaging health of s significant number of financial institutions and reducing the ability of others to run their business properly (Moosa, 2008). Under these conditions, Moosa (2008) presented a study that was driven by the need to clearly identify the effect of a US induced credit crunch and financial crisis towards the Australian economy, particularly in terms of the underlying policy decisions implemented by both the RBA and the government. The bursting of the US housing market bubble in 2007 led to the rapid decline in the house prices and the downgrades of related asset-backed securities as well as the collapse of the banking and lending institutions in the US and most of the EU (Moosa, 2008). The same cannot be said in the case of Australia, where the housing market was not particularly overvalued as in the case of the US, but was nonetheless vulnerable to the harsh effects of the credit crunch. The explanation behind this is that there are still large portions of subprime loans granted to borrowers in Australia, hence there is still the risk that they may not have reliable credit records. The only difference between the case of the most countries like the US and Australia in terms of the extent to which the financial crisis affected the economy are in terms of policy initiatives and effective regulation. Given this basic premise, Moosa (2008) asserted that one of the reasons why Australia was not subjected to massive losses after the financial crisis in 2008 was due to the fact that the housing sector did not experience massive shocks as in the case of the US, the UK and most countries in the EU. Typically, mortgages in banks and lending institutions was hit hard by the collapse in the subprime housing market in the US, in the case of Australia, the effect was not severe by the bursting of the housing bubble. In his study, Moosa (2008) began by discussing the reason why the subprime crisis in the US took effect in June of 2007. Moosa (2008) identified two critical areas in order to explain this. First would be the lax monetary policy as indicated by the low interest rates; second, reckless lending of banks to dodgy borrowers and excessive securitization. Although Moosa (2008) indicated in his study that the Australian economy is still susceptible to the effects of the subprime crisis brought about by liquidity situations that push investors to stay away from private sector securities, the only difference is that the Australian financial sector had the necessary policies to balance this out. The positive aspect of the study presented by Moosa (2008) is that it was able to showcase the difference between the effect of the current financial crisis in the US and other nations and Australia. Through Moosas (2008) study, it becomes clear that even though financial crises have a common shape, its consequences are not always the same for every nation. The explanation behind this is that each nation has its own set of fiscal and monetary policy. Consequently, nations, such as Australia respond differently to the same conditions set by the global financial crisis. Regarding the research gap in Moosas (2008) study, it had failed to establish the elements that were present in the Australian economy that enabled it to respond differently and optimally to the shock that was brought about by the financial crisis, as well as the credit crunch which preceded it. What could have been done by Moosa (2008) in order to address this gap would be to cite concrete instances in the Australian economy wherein the implementation of effective policies was able to overcome the negative consequences of the financial crisis. Malcolm Edey (2008), Assistant Governor of the RBA, was able to articulate reasons on why the Australian economy was able to withstand the detrimental consequences of the 2008 financial crisis. The arguments raised by Edey (2008) directly address the research gap identified in the article by Moosa (2008). According to Edey (2008), the reason why the Australian economy was able to minimize the losses despite the financial crisis and the looming threat of recession was due to the following reasons. First, subprime loans are essentially loans that do not meet standard criteria for good credit quality. In Australia, a different policy was employed to address non conforming loans. Ellis (2009) supports this by stating that in Australia, citizens pay the interest in their homes mortgage against their tax, so they are encouraged to keep their mortgage balances low. Second, unlike in other countries such as the US, the Australian government was able to develop coherent fiscal and monetary policy that will encourage households and business sectors to be more risk averse by having higher levels of savings and investment. An example of this would be the AUD 42 billion stimulus package that was called the National Building and Job Plan (Edey, 2008). To further support the points raised by Edey (2008) and Ellis (2009), Steven Kennedy (2009) from the Australian Treasury presented three reasons on why the Australian economy was one of the few who managed to overcome the negative consequences brought about by the 2007 credit crunch and the existing global financial crisis. The primary reason identified by Kennedy (2009) was that the Australian government and the RBA had timely policy responses to the occurrence of the financial crisis. Second, being at close proximity with Asian countries, such as China, Australia was able to benefit from the continuous growth rates of these Asian economies. Finally, the Australian banking system has remained in good shape throughout the crisis which meant that it has effectively operated with sound rules and regulations. The benefits offered by the studies made by Ellis (2009) and Kennedy (2009) is that both were able to acknowledge the unique characteristic of the Australian economy, which are deeply rooted in effective policy making and regulatory ability on the part of both the RBA and the government. In addition to this, income growth in Australia was already strong prior to the crisis which means that policy makers have to option to concentrate on weaker sectors of the economy that will experience the consequences of the crisis in a different scale. Again, the research gap in the observations given by Ellis (2009) and Kennedy (2009) is that the practical examples and illustrations on how these policies were translated into actual practice are once again insufficient. Another problematic aspect of these articles is that the authors only presented the positive aspect of effective monetary and fiscal policies, thus, disregarding the fact that these might also manifest flaws that might jeopardize the success of the regulation. Ellis (2009) and Kennedy (2009) in their separate articles mentioned that Australia had an edge over other nations in terms of counteracting the direct effects of the financial crises, but both scholars failed to provide stronger basis to support such assertion. The financial crisis and the housing market in Australia The final section of this literature review is allotted in examining the available studies made with regard to the current state of the housing market in Australia and how it responded towards the occurrence of the financial crisis. With regard to the overall condition of the housing market, Edgerton (2008) presented a detailed discussion of the through the pricing, purchasing and selling trends in major Australian cities namely, Sydney, Melbourne, Brisbane, Adelaide, Perth, Darwin, and Canbera. The method used by Edgerton (2008) was to analyze trends in housing price increase and/or decrease as well as trends for sales and purchases of houses in these major Australian cities. The findings from the study made by Edgerton (2008) indicate that it is not only the international factors such as the 2007 credit crunch and the existing financial crisis that may affect the overall performance and condition of the housing market. Instead, national factors may also affect the formation and eventually the bursting of housing bubbles. In order to support his claims Edgerton (2008) cited that Australia employ better lending standards compared to other countries, specifically the US. To illustrate this further, in Australia, there are no recourse loans unlike in the US where many mortgages are non-recourse. Non-recourse loans mean that the borrower in financial difficulty to pay their debts has the option of handing their house back to the bank without incurring any liability for any shortfall when the house is sold. It is a different scenario in Australia because borrowers, regardless of whether they give back the house or not (Edgerton, 2008). Hence, unlike in the US and other markets, the borrowers in Australia remain liable for any shortfall. With this, the housing markets as well as banking and lending institutions in Australia are not tasked to shoulder the losses from subprime mortgages. The strength of the study by Edgerton (2008) is that he was able to stress that Australia employs rather different regulatory practices compared to the US, particularly in handling mortgage. From a description of the quick acting policies in the housing, banking and lending sector, the Australian economy, most specifically the housing sector was able to survive and overcome the detrimental elements of the financial crisis. It is also important to point out that Edgerton (2008) is one of the few scholars who gave attention to the importance of the housing market in determining the overall performance of the economy, specifically in the case of Australia. Besides, the housing market can serve as an avenue for added investments and new business opportunities; hence it should not be taken for granted, particularly during times of crises. It was also helpful that the paper presented had visual illustrations such as graphs in order to illustrate further the performance of the economy relative to the financial crisis and its effect on the housing sector. On the other hand, the research gap in the study by Edgerton (2008) is that it was not able to establish the reasons that serve as motivation for the government to implement stricter mechanisms.

Discrimination, Policies, And The Gender Wage Gap

Discrimination, Policies, and The Gender Wage-Gap For decades, the gender wage-gap has been an ongoing issue in Canada. Since then, women’s rights have changed and allowed them to obtain career positions much like men. Although women have successfully fought for their rights, the issues of the gender wage gap, and sexist stereotypes continue in Canada. The Canadian Government needs to strengthen its discrimination policies so it can rectify and allow for equal opportunity, support parental leave, and narrow the gender wage-gap. Gender-based stereotyping in the workforce informs societal perceptions and assumptions of what is accepted as a typical ‘male’ or ‘female’ roles within the workplace. Experts still disagree as to which variables inform each stereotype. One expert, Morley Gunderson suggests that the difference in preference towards the chosen occupation is the key indicator, not gender profiling (M. Baker, M. Drolet 2010). Another opinion is that women are more likely to pursue careers within health and education sectors, whereas men are more inclined to pursue engineering and other related technological fields (J. Cool, 2010). This shows a strong sense of gender bias, and harsh stereotyping of the gender roles in society. Both men and women have a place within technological, and educational fields of work. Gender-based stereotyping is also present in the expectations of women outside of the workforce. Employers and executives may anticipate aShow MoreRelatedWomen’S Rights: Gender Wage Gap. Problem, Solution, And1298 Words   |  6 PagesWomen’s Rights: Gender Wage Gap Problem, Solution, and Barriers Paper Problem The wage gap is the difference in men’s and women’s median earnings, usually reported as either the earnings ratio between men and women or as an actual pay gap. The median value is the middle value, with equal numbers of full-time workers earning more and earning less (Hill, 2011). 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Determinants of Health for Nutrition - Health - myassignmenthelp

Question: Discuss about theDeterminants of Health for Nutrition, Health Aging. Answer: Individual determinants of health: Many of the authors have indicated time and time again at the predominance of various health determinants associated with the health care scenario. And the impact of these determinants is profound on determining the health status of the vulnerable populations. In this assignment, the vulnerable population chosen are the visually impaired and in order to explore and evaluate the health determinants for this population, red lotus model of health is selected. In this structure, the stem and roots of the plant are considered to be the construct of values and principles within the health promotional system [1]. Now, the first layer of petal structures of the health model is representative of all the kinds of environmental health determinants, where as the second petal layer of the model is representative of needs assessment for the vulnerable population. The third, fourth and fifth petal layer represents planning, implementation and evaluation respectively. The leaves of the model are rep resentative of sustainability practices, the stamens signify the biological and socio-economic status of the vulnerable population and lastly the pod represents the people and their health status. Considering biological factors, there are three key determinants, age, sex and genetics. According to the recent statistics, visual impaired-ness associated disabilities have been observed to be intricately linked with aging. Close to 500,000 Australians over 40 have been identified to live with some or the other kind of visual disability[2]. And despite of vision loss preventable the rate of the vision loss as a direct result of aging processes in Australia continues to increase. Based on the recent data published, there are close to 50% of the adults aged 40 or higher have been observed to develop AMD with growing age, 16% have been observed to lead to glaucoma, 5% to diabetic retinopathy and 22% to other cataract problems, all with growing age. Considering the gender related influence, the rate of women suffering from visual impaired ness is 64% of the total number of visually disabled in the world and the statistics for this data is no exception for Australia. A contributing fact or to this may be the fact that the men get twice as much accessibility to eye care services as women and it is heavily influenced by the social standing of the women in the rural and remote areas as well. Other, the genetic predisposition of visual loss is primarily for the aging population, whereas the children suffering from disabilities can also be influenced genetically. Both glaucoma and AMD have been identified as heavily genetically influenced visual disorders and the probability of this genetic disorders occurring also increases with growing age in the majority[3]. The next sector of determinants is the socio-economic influence of the visual disabilities; considering the income, the rate of vidual impaired- ness has been discovered to be higher than the high income background. In Australia, the socio-economic standing s crucially related with the percentage of visual disabilities, and it is reflected in the rate of prevalence of blindness in the aboriginal communities as compared to the non native individuals residing in Australia. According to the recent statistics, the native and economically background ethnic communities experience 6 times more vision loss and 3 times more visual impairment as compared to the rest of the populations[4]. A contributing factor to this might be the fact that low income is associated crucially with social status and accessibility to good lifestyle, healthy and hygienic living conditions and social privileges, the lack of a stable financial background therefore, interlinked with the rest of the variables limits t he chances of healthy living and increases the possibility of visual disability. Considering the last two sectors of determinants, cognitive determinants refers to the values, principles, thoughts and attitudes that affect the living conditions of visually impaired and how it contributes to the further deterioration of the their condition. It has to be mentioned in this context that there still is a significant level of discrimination and prejudices in society regrading the disabled and it restricts their right to good health and good living most times. There are various socio-cultural restrictions for the visually impaired population and their access to good health care, be it racial, gender or age-related or religious and ethnic prejudices[5]. As per the recent data, a vast majority of the visually impaired get inconsistent access to the Home and Community Care services for the visual aids and these socio-economic determinants are the major contributing factor leading to this. The last sector of determinants, the behavioural characteristics, physical, mental, a nd spiritual contribute significantly to the health and wellbeing of the visually impaired. The lack of compassion and support in the behaviours of the family, care environment and the rest of the society has been detected to be the underpinning reasons behind the lack of self worth and self esteem in the visually impaired individuals[6]. Discussion of the contribution of determinants: Considering the physical environment of the individuals, it has to be understood that the aging population dealing with visual disabilities are twice as likely to experience falls, and along with that they are much more likely to face lack of social independence and thrice as likely to develop depression. The lack of supportive care services in the demographic imparts a significant detrimental effect on their basic health and wellbeing. Considering the demographic data of build environment, it has to be mentioned that there is no certain national policy services or program dedicated to people older than 65 and dealing with visual impaired and this blatant negligence is also reflected on the restrictions that the visually impaired face, be it educational institution, occupational sector or residence area[7]. Considering the influence of the social determinants, it must not escape notice that the depression rates in the aging population with visual disabilities is thrice as higher in A ustralia as compared to the rest of the populations, and the rate of deoresion is even higher with people aged 65 and higher. The lack of societal support and compassion and the predominance of social rejection and discrimination is the most influential contributing factor. Considering the impact of economic environment, the lack of financial stability affects the lifestyle, nutritional patterns and health literacy and awareness, the lack of which is heavily linked to the deteriorating visual impairments with growing age. Along with that, the cost for vision loss prevention an adequate health care services for the visually impaired as estimated in Australia is close to $16000, a out of pocket amount that the socio-economically backward classes cannot afford and hence the health condition continues to escalate for the visually disabled. Lastly, considering the political impact on the health status of the disabled, it has to be understood that there is a gaping lack of attention towards improving the life visually disabled, and that is reflected conspicuously in the lack of any national policy of the visually impaired over the age of 65. There are no considerable efforts from the government towards the implementation of advanced treatments like bionic eye treatments, laser therapies and furthermore, the costs for what basic treatment is available for the visually disabled is obstinately expensive and completely out of reach for the aging population who are the majority vulnerable population for visual impaired-ness. Social justice and Ottawa health chart: The effect of the determinants on health cannot be denied and that is reason why a variety of different model of health have been Identified to overcome the detrimental effect of the determinants and facilities Health Promotion to improve the life of the vulnerable population. It has to be understood that Social Justice can only be implemented when is in every individual of the society has equal rights towards good health and wellbeing, However, unfortunately the disabled available population often restricted from these basic human rights[8]. According to the health promotional model of Ottawa charter that has been developed to address each and every Health Care needs on a global scale, a few strategies can be developed which can be the solution for rising discriminative and disparities for health and wellbeing in the vulnerable population of disabled. According to the first area of action of the Ottawa charter, building healthy public policy can be the first strategic initiative in order to improve the health and wellbeing of the vulnerable population. However, care should be taken by the national authorities to maintain the optimal inclusiveness of the policies, so that no age group will be left out of the coverage of the policies and each age group can have the benefits equally[9]. The next strategy will involve the principle of creating supportive environments from the Ottawa charter, it has to be understood that there are many restrictions prevalent in both natural and build physical environment, and therefore there is need for ergonomically designs and constructs that will promote better health and wellbeing of the visually disabled. Considering the care environments, there is a significant lack of advanced treatments that are economic and accessible by the majority of selected vulnerable population. Bionic eye treatments, laser therapies and visual disability care services need to be made easily accessible for all the age groups of visually disabled. Lastly, as mentioned in the Ottawa charter, strengthening community action is prerequisite promotional strategy, as without compassionate effort from all the sectors of the entire community there cannot be improvement in the lifestyle of the visually disabled. Therefore, there is need for awareness programs arranged by national authorities so that community as a whole understand the care needs of the visually disabled and can participate with co-operation and compassion so that visually disabled individuals can be included in the society as well[10]. Future implications: It can be stated that success of the strategies discussed are circumstantial, due to the presence of the key external and internal variables that potentially alter the effect of the determinants. Therefore, the future implications of the strategies devised will also rely on honest effort and cooperative participation from all the key stakeholders involved with this condition[11]. We must not overlook the fact here that there are various environmental restrictions associated with visual disability; and it being a sensory disability the prejudices regarding the viability and validity of visually disabled are magnified as well. However, these strategies can be a strong initiatives attempted to improve the living standards and health status of visually impaired and tesetratgeies will be able to lay the foundation based on which the health status of visually impaired population can be improved drastically, regardless of age, gender or other socio-cultural variables[12]. References: Steinman BA, Vasunilashorn S. Biological risk of older adults with visual impairments. The journal of nutrition, health aging. 2011 Apr 1;15(4):296-302. Schlvinck AF, Pittens CA, Broerse JE. The Research Priorities of People with Visual Impairments in the Netherlands. Journal of Visual Impairment Blindness. 2017 May 1;111(3). Tutuncu O, Lieberman L. Accessibility of hotels for people with visual impairments: from research to practice. Journal of Visual Impairment Blindness (Online). 2016 May 1;110(3):163. Brooks GI, DiNitto DM, Schaller J, Choi NG. Correlates of substance dependence among people with visual impairments. Journal of Visual Impairment Blindness (Online). 2014 Sep 1;108(5):428. Shaw B, Coyle A, Gatersleben B, Ungar S. Exploring nature experiences of people with visual impairments/Vivir la naturaleza con una discapacidad visual. Psyecology. 2015 Sep 2;6(3):287-327. Leissner J, Coenen M, Froehlich S, Loyola D, Cieza A. What explains health in persons with visual impairment?. Health and quality of life outcomes. 2014 May 3;12(1):65. Bourne RR, Flaxman SR, Braithwaite T, Cicinelli MV, Das A, Jonas JB, Keeffe J, Kempen JH, Leasher J, Limburg H, Naidoo K. Magnitude, temporal trends, and projections of the global prevalence of blindness and distance and near vision impairment: a systematic review and meta-analysis. The Lancet Global Health. 2017 Sep 1;5(9):e888-97. Cupples ME, Hart PM, Johnston A, Jackson AJ. Improving healthcare access for people with visual impairment and blindness. BMJ. 2012 Jan 30;344:e542. Tracie Harrison PhD, R.N., Guy, S., Walker, J. and Pound, P., 2012. A study of the health literacy needs of people with visual impairments.Research and theory for nursing practice,26(2), p.142. Schliermann R, Heydenreich P, Bungter T, Anneken V. Health-related quality of life in working-age adults with visual impairments in Germany. Disability and rehabilitation. 2017 Feb 27;39(5):428-37. Foxlin SC. Designing for people with visual impairments. Journal of Visual Impairment Blindness (Online). 2014 Jul 1;108(4):342. Wahl HW. The psychological challenge of late-life vision impairment: concepts, findings, and practical implications. Journal of ophthalmology. 2013 Apr 17;2013.