Banking :: essays research papers fc

Banking So Much for That Plan "More than 70% of commercial bank assets are held by organizations that are supervised by at least two federal agencies; almost half attract the attention of three or four. Banks devote on average about 14% of their non-interest expense to complying with rules" (Anonymous 88). A fool can see that government waste has struck again. This tangled mess of regulation, among other things, increases costs and diffuses accountability for policy actions gone awry. The most effective remedy to correct this problem would be to consolidate most of the supervisory responsibilities of the regulatory agencies into one agency. This would reduce costs to both the government and the banks, and would allow the parts of the agencies not consolidated to concentrate on their primary tasks. One such plan was introduced by Treasury Secretary Lloyd Bentsen in March of 1994. The plan called for folding, into a new independent federal agency (called the Banking Commission), the regulatory portions of the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of Thrift Supervision (OTS). This plan would save the government $150 to $200 million a year. This would also allow the FDIC to concentrate on deposit insurance and the Fed to concentrate on monetary policy (Anonymous 88). Of course this is Washington, not The Land of Oz, so everyone can't be satisfied with this plan. Fed Chairman Alan Greenspan and FDIC Chairman Ricki R. Tigert have been vocal opponents of the plan. Greenspan has four major complaints about the plan. First, divorced from the banks, the Fed would find it harder to forestall and deal with financial crises. Second, monetary policy would suffer because the Fed would have less access to review the banks. Thirdly, a supervisor with no macroeconomic concerns might be too inclined to discourage banks from taking risks, slowing the economy down. Lastly, creating a single regulator would do away with important checks and balances, in the process damaging state bank regulation (Anonymous 88). To answer these criticisms it is necessary to make clear what the Fed's job is. The Fed has three main responsibilities: to ensure financial stability, to implement monetary policy, and to oversee a smoothly functioning payments system (delivering checks and transferring funds) (Syron 3). The responsibilities of the Fed are linked to the banking system. Banking :: essays research papers fc Banking So Much for That Plan "More than 70% of commercial bank assets are held by organizations that are supervised by at least two federal agencies; almost half attract the attention of three or four. Banks devote on average about 14% of their non-interest expense to complying with rules" (Anonymous 88). A fool can see that government waste has struck again. This tangled mess of regulation, among other things, increases costs and diffuses accountability for policy actions gone awry. The most effective remedy to correct this problem would be to consolidate most of the supervisory responsibilities of the regulatory agencies into one agency. This would reduce costs to both the government and the banks, and would allow the parts of the agencies not consolidated to concentrate on their primary tasks. One such plan was introduced by Treasury Secretary Lloyd Bentsen in March of 1994. The plan called for folding, into a new independent federal agency (called the Banking Commission), the regulatory portions of the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of Thrift Supervision (OTS). This plan would save the government $150 to $200 million a year. This would also allow the FDIC to concentrate on deposit insurance and the Fed to concentrate on monetary policy (Anonymous 88). Of course this is Washington, not The Land of Oz, so everyone can't be satisfied with this plan. Fed Chairman Alan Greenspan and FDIC Chairman Ricki R. Tigert have been vocal opponents of the plan. Greenspan has four major complaints about the plan. First, divorced from the banks, the Fed would find it harder to forestall and deal with financial crises. Second, monetary policy would suffer because the Fed would have less access to review the banks. Thirdly, a supervisor with no macroeconomic concerns might be too inclined to discourage banks from taking risks, slowing the economy down. Lastly, creating a single regulator would do away with important checks and balances, in the process damaging state bank regulation (Anonymous 88). To answer these criticisms it is necessary to make clear what the Fed's job is. The Fed has three main responsibilities: to ensure financial stability, to implement monetary policy, and to oversee a smoothly functioning payments system (delivering checks and transferring funds) (Syron 3). The responsibilities of the Fed are linked to the banking system.

Cognitive Dissonance in Religion and Spirituality

Cognitive Dissonance in Religion Cognitive dissonance theory was developed by Leon Festinger more than fifty years ago as the most influential consistency theory of attitudes (Fanzoi, 2009). This theory argues that we often justify and rationalise our behavior in order to maintain cognitive consistency (Franzoi). In the classical cognitive dissonance experiment conducted by Festinger and J Merrill Carlsmitch, (Festinger, 1959, as cited in Franzoi, 2009) where a group of people were asked to perform two 30-minute mundane boring tasks where some were paid $1 and others were paid $20. At the end of the tasks, one group was asked to relay the message that the tasks were â€Å"very enjoyable† and â€Å"fun† to the next group of participants. There was also control group where they were not required to lie. At the end of the experiment, the entire group of participants were interviewed and asked the question how fun and interesting they actually found the tasks to be. The result of their finding showed that the $1 liars actually showed more enthusiasm in telling others that the tasks were â€Å"very interesting† and â€Å"fun† than the group who said so for $20. The $1 group was experiencing greater discomfort by telling the tasks as â€Å"very enjoyable† when they felt it was actually boring tasks whereas the $20 liars have more justification for their action. The cognitive dissonance experienced by the $1 liars naturally motivated to change their attitude in order to reduce the dissonance. According to Franzoi (2009), there are some strategies commonly employed to reduce cognitive dissonance such as changing one’s attitudes, adding more consonant thoughts, altering the importance of the discrepant thoughts, reducing perceived choice, making selfaffirmations to overlook current dissonance and changing behaviour. Having laid a little ground work on Cognitive Dissonance, I now wish to examine how we can observe cognitive dissonance occurring in one’s religion and spirituality. I will attempt to establish the premise that one’s spirituality may effect dissonance in one’s religious beliefs. â€Å"Religion is a fixed system of ideas while spirituality is the personal views on the fixed system of those ideas† (Ventis, 1995, as cited in LUTZ, L. 2003). â€Å"Given the Cognitive Dissonance in Religion facts that religious beliefs can be challenged by the critical historical studies, and cognitive dissonance would be generated when this occurred resulting in unconscious alteration of beliefs and attitudes† (Burns, 2006).A Study on Religion and the Role of It on People and Media†¦. When situations become inconsistent with one’s belief, dissonance would occur and needs to reduce it become obvious. When one is being perceived as hypocritical, such as â€Å"not practicing what he preaches, one would engage an unconscious strategy to reduce the dissonance often through the misattribution of arousal to a source other than one’s own discrepant behaviour† (Burns). This is an effective way â€Å"to maintain one’s self-concept as a psychologically consistent and moral person† (Fried and Aronson, 1995; Aronson, 1999, as cited by Burns, 2006). In a 1975 study of young women participating in a Christian youth program were first asked to state their beliefs publicly concerning the divinity of Jesus. They were then exposed to information aimed at disconfirming the divinity claim. The study found that those who believed Jesus’ divinity and also considered the disconfirming information as bona fide dealt with the cognitive dissonance by strengthening their belief in the divinity of Jesus. Those who dismissed the disconfirming information as true did not intensify their stance. The study showed that in some cases â€Å"the dissonance can actually reinforce original attitudes† (Burris, Harmon-Jones, and Tarpley, 1997, as cited in Burns, 2006). Kimberly Mahaffy (1996) did a study on religion and how it effects cognitive dissonance (Mahaffy,1996, as cited by MCCLUNG, 1999). â€Å"This study consisted of participants who were self-proclaimed lesbians who were either associated with a Christian church previously or presently† (MCCLUNG). The objective of the study was to determine do these women experienced dissonance when they realized their sexual orientations. Her finding concluded that the pre-evangelical Christians experienced more dissonance than their counter-parts and some women resorted to denying the supremacy of the Bible and thus Cognitive Dissonance in Religion believe that their sexual orientations may not be against their beliefs (Mahaffy, 1996, as cited by MCCLUNG, 1999). My personal association with two friends who are gay who regarded themselves to be committed Christians, high cognitive dissonance appeared to occur when they first realized their sexual orientations; they even attempted suicides. They claimed to have made attempts to change their behaviour, sought medical treatments but to no avail. They eventually conceded their current lifestyle was not by choice. I would like to cite an observation of cognitive dissonance in my personal spirituality. I used to hold strong conviction that God has ordained the church I pastor to be in Mid Valley; its existence there has been ordained. There has been much self-affirmation with providence for the first eight years confirming and intensifying that stance. However, tension started to develop the last two years when financial commitment became burdensome. Cognition dissonance of spirituality became obvious with questions held in great tensions: â€Å"Why do we need to continue paying high rental to stay in Mid Valley? † vs. â€Å"But isn’t God able to provide? † â€Å"How do we justify paying so much with little result to show? † vs. â€Å"But isn’t it worth it if even one soul has been saved? † â€Å"Aren’t we called to be in Mid Valley? † vs. â€Å"May be God is redirecting our path to elsewhere; better use the money to buy own building. The dissonance to remain in current location and the contemplation to relocate became a spiritual crisis. Coping strategies began to emerge. One member has suggested it is alright to relocate with the hope of returning once we consolidated. The same member altered the importance of the discrepancy with his remark, â€Å"It’s crucial to r elocate to conserve resource than to stay on till a crisis looms large. † I personally entertained the notion of financial limitation as sign of divine redirection. As long as dissonance remains high, justification intensifies. Once I embraced new attitudes justifying relocation, dissonance Cognitive Dissonance in Religion seemed to reduce significantly. With newly changed attitudes and beliefs, previous justification supporting old beliefs become irrelevant. From the observation of studies done by Burns (2006), Burris, Harmon-Jones, and Tarpley (1997, as cited by Burns, 2006), Mahaffy (1996, as cited by MCCLUNG, 1999) and from the reflection of personal affect, one could reasonably conclude that cognitive dissonance has been observed to occur in religion and spirituality.

Some People Think That Personal Happiness Is Directly Related to Economic Success. Others Argue That Happiness Depends on Completely Other Factors. Discuss Both of the Views and Give Your Own Opinion

Some people believe that happiness is related to economic success because only money can make people’s life more enjoyable. When it comes to economic success, the majority of people believe that money means a luxurious life. To begin with, if someone owns great success on economic, that means he can spend more money on whatever he likes and spend more time on his hobbies. Emotionally, money can buy happiness at least to some extent.That is to say, you can buy things that you like in order to fulfill your needs and vanities and this makes you feel happier. You can also enjoy the best education and social welfare. Thirdly, economic success implies high social class and status, which can make people feel happy and respectable. Opponents, however, hold the view that happiness does not depend on economic success but completely other factors.First of all, numerous studies show that happy individuals are successful across multiple life domains, including marriage, income, work perfor mance and health. The happiness exists not only because economic success makes people happy, but also because positive affect engenders happiness. What’s more, It is indisputable that there are millions of people who still have a miserable life and have to fact the dangers of starvation and exposure, but some of them sill lead a happy life because they keep the happy spirit.Last but not least, money can not buy everything, such as friendship, true love and health. You can buy things corporeal, but you can never spend money to ask for more time. In the final analysis, both sides have sound foundations. However, if asked to make a choice, I will not hesitate to assent to the latter. I firmly believe that happiness is not only related to economic success but also links to other factors which are much more significant.

The Purpose of a Jury †Law 200 Level Course

The Purpose of a Jury – Law 200 Level Course Free Online Research Papers The Purpose of a Jury Law 200 Level Course The purpose of trial by jury, as the Supreme Court itself has noted, is to prevent oppression by the government. To perform that role, jurors must act independently and conscientiously, and they must be prepared to just say no if they believe that a conviction would be unjust. Nothing else satisfies the purpose of trial by jury, or provides the protection to liberty that the Founders intended to provide in our Bill of Rights. cato.org/dailys/12-09-98.html The jury are also to judge whether the laws are rightly expounded to them by the court. Unless they judge on this point, they do nothing to protect their liberties against the oppressions that are capable of being practiced under cover of a corrupt exposition of the laws. If the judiciary can authoritatively dictate to a jury any exposition of the law, they can dictate to them the law itself, and such laws as they please; because laws are, in practice, one thing or another, according as they are expounded. They must also judge whether there really be any such law, (be it good or bad,) as the accused is charged with having transgressed. Unless they judge on this point, the people are liable to have their liberties taken from them by brute force, without any law at all. The jury must also judge of the laws of evidence. If the government can dictate to the jury the laws of evidence, it can not only shut out any evidence it pleases, tending to vindicate the accused, but it can require that any evidence whatever, that it pleases to offer, be held as conclusive proof of any offense whatever which the government chooses to allege. geocities.com/Heartland/7394/lysander.html Criminal and civil juries reflect the differences between the criminal and civil law, and most cases in the United States are settled before they go to trial. In cases that go to trial, a person does not have the right to a jury trial in every instance. Finally, an accused person has the right to a trial by jury but may waive that right in favor of a bench trial before a judge; in civil trials, both parties can agree to a bench trial. Thus a jury trial generally takes place only in those instances where one side in a civil case, or the accused, in a criminal case, believes it is in their best interest. The right to trial by jury, however, influences even the resolution of cases that never go to trial, like the visible cap of an iceberg, expos[ing] but a fraction of its true volume (Kalven and Zeisel, 32). crfc.org/americanjury/introduction.html Research Papers on The Purpose of a Jury - Law 200 Level CoursePETSTEL analysis of IndiaCapital Punishment19 Century Society: A Deeply Divided EraUnreasonable Searches and SeizuresMoral and Ethical Issues in Hiring New EmployeesComparison: Letter from Birmingham and CritoQuebec and CanadaThe Effects of Illegal ImmigrationThe Relationship Between Delinquency and Drug UseHonest Iagos Truth through Deception

Tips for Effective Teacher to Teacher Communication

Tips for Effective Teacher to Teacher Communication Effective teacher to teacher communication is vitally essential to your success as a teacher. Regular collaboration and team planning sessions are extremely valuable. Engaging in these practices has a positive impact on teacher effectiveness. Education is a highly difficult concept for those outside the field to understand. Having peers that you can collaborate with and lean on during tough times is essential. If you find yourself in isolation and/or always having a conflict with your peers, then there is a reasonable chance that you may need to make some changes yourself. What to Avoid When Talking to Fellow Faculty Here are seven things to avoid when trying to build positive relationships with faculty and staff members at school. Do not talk about or discuss your co-workers with your students.  It undermines the authority of that teacher and additionally taints your credibility.Do not engage in conversation or discuss your co-workers with a parent. Doing so is unprofessional at best and will create significant problems.Do not talk about or discuss your co-worker with other co-workers. It creates an atmosphere of divisiveness, mistrust, and animosity.Do not isolate yourself on a regular basis.  It is not a healthy practice.  It serves as a hindrance to your overall growth as a teacher.Avoid being confrontational or combative.  Be professional.  You may disagree with someone engaging them inappropriately is juvenile at best which undermines your role as a teacher.Avoid starting, spreading, or discussing gossip and hearsay about parents, students, and/or co-workers. Gossip has no place in a school and will create long-term problems.Avoid being critical of your co-workers.  Build them up, encourage th em, offer constructive criticism, but never criticize how they do things. It will do more harm than good. How to Build Positive Relationships With Staff Members Here are eleven things to keep in mind when trying to build positive relationships with faculty and staff members at school. Encourage and show kindness and humility. Never let an opportunity to show kindness or encouragement to others to pass. Praise exemplary work, regardless of the person that did it. Sometimes you can turn even the most hardened of your fellow workers into real softies once they realize that you are not afraid to compliment them or give encouraging words, despite how they may perceive you ordinarily. At the same time, when giving criticism, do it helpfully and gently, never spitefully. Show concern for anothers feelings and well being. You will benefit immensely from even the smallest kindness shown.Be happy. Every day you go to work, you need to make a choice to be happy. Making a choice to be happy on a day to day basis will make people around you more comfortable on a day to day basis. Don’t dwell on negatives and maintain a positive attitude.Refuse to engage in gossip or hearsay. Dont allow gossip to rule your life. In the workplace, morale is vitally essential. Gossip will tear apart a staff faster than anything else. Do not engage in it and nip it in the bud when it is presented to you. Let the water roll off your back. Don’t let negative things said about you get under your skin. Know who you are and believe in yourself. Most people that talk negatively about other people do so out of ignorance. Let your actions determine how others see you, and they will not believe the negative things said.Collaborate with your peers – Collaboration is vitally essential among teachers. Don’t be afraid to offer constructive criticism and advice with a take it or leave it approach. Also of equal importance, don’t be afraid to ask questions or to ask for help in your classroom. Too many teachers think this is a weakness when it is truly a strength. Finally, master teachers share ideas with others. This profession is truly about what is best for the students. If you have a brilliant idea that you believe in, then share it with those around you.Watch what you say to people. How you say something counts for just as much as what you say. Tone does matter. Whe n confronted with a difficult situation, always say less than you think. Holding your tongue in a difficult situation will make it easier for you in the long run because it will create confidence among others in your ability to handle a similar situation. If you make a promise, you better be prepared to keep it. If you intend to make promises, you had better be prepared to keep them, no matter what the cost. You will lose the respect of your peers quicker than it took you to gain it by breaking promises. When you tell someone that you intend to do something, it is your responsibility to see to it that you follow through.Learn about others’ outside interests. Find a common interest that you have with others (e.g. grandchildren, sports, movies, etc.) and spark a conversation. Having a caring attitude will build trust and confidence in others. When others are joyful, rejoice with them; when troubled or in mourning, be sympathetic. Make sure each person around you knows that you value them and know that they are important.Be open-minded. Do not get into arguments. Discuss things with people rather than argue. Being combative or disagreeable is likely to put others off. If you don’t agree with something, think your response t hrough and don’t be argumentative or judgmental in what you say. Understand that some peoples’ feelings are hurt easier than others. Humor can bring people together, but it can also tear people apart. Before you tease or joke with a person, make sure you know how they are going to take it. Everyone is different in this aspect. Take into account another persons feelings before you poke fun.Don’t worry about accolades. Do your best. Its the best you can do. Let others see your work ethic, and you will be able to take pride and pleasure in a job well done.

Four Types of Experimental Designs Essay Example | Topics and Well Written Essays - 4000 words

Four Types of Experimental Designs - Essay Example This report examines four fairly common research methodologies: survey research, case study research, ethnography, and mixed design. The pros and cons of each design are assessed, and examples are given. A survey or questionnaire is considered to be a relatively accessible, flexible research option. Generally, flexible designs offer benefits to research that is willing to change as new variables come up throughout the process, whereas fixed or quantitative designs such as will be mentioned later, offer benefits to research that is about stabilizing and controlling a certain state of variables or predictions. The quantitative or qualitative survey method is a popular choice among researchers. This methodology differs from explicit ethnography in that it is more rationalized and quantitative in nature, and primarily seeks to answer research questions through the proposition that scientific research cannot be proposed without substantive or grounded data to back it up. This makes the us e of statistical information very popular with other type theorists, but getting statistics on the future is difficult, and therefore this is another appropriate reason for the research subject to be covered in a quantitative survey manner, rather than grounded theory or ethnographic methods. When researchers use a survey, they often wind up finding out new research questions and directions, while measuring the opinions and attitudes of subjects. At the same time, they can present their data in a scientific way, through the use of ANOVA, SPSS software, and other methods.

Gastrointestinal Disorders I Essay Example | Topics and Well Written Essays - 250 words

Gastrointestinal Disorders I - Essay Example H. pylori is transmitted through contaminated food and water, and spreads through contact witth the stool, vomit and saliva of infected persons. The second common cause of petic ulcers is the long-term use of non-steroidal antiinflammatory drugs (NSAIDS), such as aspirin and ibuprofen. Ulcers are also rarely caused by stomach tumors. The sever abdominal pain and vomiting exhibited by the man are typical symptoms of petic ulcers. (NDDCH web site). A serious health complication resulting from a peptic ulcer is a perforation, or hole, in the wall of the stomach or duodenum, which develops when the ulcer penetrates right through the wall. A perforated peptic ulcer leads to peritonitis, an inflammation of the thin tissue which lines the abdominal organs. Bacteria enter the peritonial cavity. The fact that the patient has a significant drop in blood pressure, along with the vomiting and abdominal pain, indicates peritonitis. (PubMed Health web site). Surgery to remove the infected bowel may be necessary in this case. This may be followed by a course of medication to eradicate the H. pylori bacteria, reduce the presence of stomach acids, and protect the lining of the stomach and duodenum. (NDDCH web