Predatory Lending and Monthly Payment Free Essays

This module depicted different ruthless practices by organizations. Utilizing insightful assets, portray some particular instances of ruthless practices. With lodging bubble blasting a couple of years back, many state that the current financial issues the United States is at present encountering can be straightforwardly ascribed to the lodging emergency. We will compose a custom paper test on Savage Lending and Monthly Payment or on the other hand any comparative subject just for you Request Now Contingent upon whom you ask the lodging emergency can be accused on individuals taking on more than they could possibly deal with, or savage loaning rehearses by banks and home loan organizations. This is anything but a one measured arrangement fits all answer, the two activities added to the lodging inconveniences we as a nation are as of now encountering. The lodging emergency can be summed up as the over assessment of house estimations in the late 90’s and mid 2000’s,and in no time there after people groups contract obligation increased than the diminishing estimation of their home come 2006. Sub-prime credits can likewise be accused; I will additionally examine ruthless loaning strategies. One kind of ruthless loaning practice that home loan organizations will utilize is to underscore the installment. At the point when this happens the loan specialist centers around a numerical regularly scheduled installment that you can manage. The drawback to this vehicle sales reps like methodology, is that the subtleties of the regularly scheduled installment can be slanted to hurt you not far off later on while seeming like a decent arrangement sooner rather than later. Another ruthless practice is called swelled credits. This sort of loaning gives the borrower a little regularly scheduled installment just covering interest. The last installment covers the head, ordinarily speaking to an enormous obtained figure. You should make one enormous inflatable installment so as to resign the head of the advance. More often than not, nobody gets ready for this installment and premise dispossession on their home(1). Should the indebted person or borrower bear some obligation, in any event in certain examples? Clarify why or why not? Strategies like this leave the borrower at a checked weakness, howeve r who should bear the weight of obligation in conditions like these. I am of the sentiment that deficiency lies in both, the loan specialist and borrower. The moneylender bears the weight of adhering to the law and guidelines put forward, anyway as e’ve talked about this week laws are there as a rule and they don’t spread each moral dynamic circumstance. Moneylenders are in rivalry with different loan specialists to get and keep people groups business, hence they are adept to attempt to figure out how to look for a favorable position over another bank. They may do this by going to savage work on planning to accidentally exploit borrowers. On the opposite side of the contention, the borrower bears the weight of comprehend and perusing the composed agreement understanding and terms of the agreement. In the event that a borrower is to simply sign an agreement without perusing or having an expert go over the subtleties then they at last procure what they sew. Language in these agreements don't actually profit the normal individual, the normal individual in all probability wouldn’t have the option to decide if savage practices are occurring. Eventually, the main guard for an individual with a normal capacity to peruse and comprehend complex agreement verbiage are the guidelines gone ahead to confine the practices the loan specialists may utilize. The most effective method to refer to Predatory Lending and Monthly Payment, Essay models

Challenges in Cyber Security for Business in Australian IT Companies

Question: Examine About the Cyber Security for Business in Australian IT? Answer: Presentation With the expanding utilization of advancements like Internet of Things, Cloud, and Big Data, even the basic foundation of organizations is presented to dangers. The worldwide web entrance today is evaluated to be 3.4 billion. The reliance on innovation is expanding in Australian IT organizations as is expanding the danger of security dangers that the frameworks of these organizations face. These dangers incorporate distinguish robbery, Botnet assaults, recover product assaults, information control, digital fighting, and that's only the tip of the iceberg( Commonwealth of Australia, 2015). In this examination, the security challenges that are looked by the Australian IT organizations would be concentrated so as to comprehend their effects on organizations just as to recognize security arrangements or alleviation procedures that can help defeat these difficulties in IT organizations. The exploration utilizes both auxiliary and essential examination on the security dangers and arrangements. Point and Motivation Digital security occurrences in Australian associations including wholesale fraud, information burglary, and cheats have expanded in recent years which have influenced the picture of the brands in the nation. Hence, digital security has become a national need of Australian government. The national misfortunes in Australia that have happened due to digital security dangers make up 1% of its GDP which is over $17 billion dollars for each year. The legislature has detailed a digital security methodology to make Australia a protected spot for business. The security methodology targets cleaning of digital foundation, solid punishments for digital lawbreakers, and responsibility of CEOs to security, diminished disturbance it benefits due to digital dangers, and expanded certainty of shoppers in digital space(Cisco, 2013). In the Australian IT associations, keeping up security is the internet is a major region of concern. 6.2% of the information Espionage which is a focused on assault well known with digital lawbreakers have influenced IT organizations in 2015(Bakhtiari, et al., 2015). Social Engineering which is an assault propelled on individuals are advanced to such an extent that they can infiltrate been the most solidified framework to such an extent that any degree of system security can't forestall the assault. According to the web report of Akamai State, 4.18% of the DDoS assaults had begun from Australia in 2015(James, 2016). The point of this exploration is to investigate the difficulties in digital security in Australian IT organizations and distinguish answers for conquer these difficulties with the end goal that security can be improved. Research Questions and Objectives To accomplish the point of this exploration, certain examination questions are required to be addressed including: What are the regular digital security challenges looked by IT organizations in Australia? How digital security challenges are overwhelmed by Management around the world? In what manner can the digital security of an IT association be improved? In light of these exploration questions, certain goals of the examination can be figured as follows: Understanding security dangers that are looked by associations in the internet Investigate digital security dangers looked by IT organizations in Australia Distinguish answers for conquer recognized security challenges Survey security assurance techniques, measure and methodologies to comprehend their potential in improving security or forestalling assaults on IT frameworks. Concoct the suggestions for development of digital security in IT space(Barnett-Page Thomas, 2009) Research Design and Methodology In this exploration, the security challenges looked by IT organizations in Australia would be investigated utilizing a blended research technique including a Literature Review information examination and snowball inspecting, and a requirements appraisal overview strategy in which IT chiefs would be included as respondents who might be noting an exploration survey. The information investigation of the auxiliary information acquired from the writing study would be utilized for making the poll for the essential overview which would along these lines, help in testing the viability of every arrangement distinguished in the snowball examining of the past researches(Bendassolli, 2013). This segment investigates the way toward inspecting, information assortment strategies, factors to be utilized in essential review, examine model, and information examination techniques that would be utilized in this exploration. Test Selection Scientist would take 30 respondents for the review dependent on accommodation and purposive share inspecting methods. The example would incorporate IT Managers and Security experts from Australian IT associations. For recognizing the difficulties that would be investigated in this examination, a snowball testing technique is utilized in which past writing and research considers are investigated to distinguish security challenges and their alleviation procedures. There would be seven sorts of security assaults that would be investigated including Denial of Service, Insider Attacks, Phishing assaults, Web Application assaults, animal power assaults, social designing, and malware assaults. For every one of these assaults, the arrangements would likewise be recognized in the writing audit and would be remembered for the study poll for testing their viability in upgrading security of an organization(Bhattacherjee, 2012). Information Collection Method A portion of the issues are as of now recognized in past looks into and their relief procedures are additionally distinguished and hence, writing audit would initially frame the reason for information assortment on the security issues and arrangements. In light of this writing survey, a snow ball testing would be utilized to gather information on security concerns and arrangement methods(Bickmore, 2012). The papers that would be utilized for snowball examining would be distributed somewhere in the range of 2006 and 2016. This would be done to basically distinguish security issues looked by associations just as arrangements that have been attempted by different organizations over the world(Wisdom Creswell, 2013). Based on this information, the inquiries for the study would be introduced to test if similar issues and arrangements can be applied to its instance organizations in Australia. An essential information would be gathered for additional investigation of the difficulties and relief procedures utilized in IT organizations. This information would be gathered from respondents through an online study that would be posted on Survey Monkey site. On the off chance that respondents don't answer, the scientist would make calls to them to request that they fill the survey or would take the reactions and fill the poll himself(HP Enterprise, 2015). Factors The examination includes an essential information assortment and investigation for which certain factors would be made dependent on the information gathered and the inquiries posed in the survey(Bryman Bell, 2011). These factors would store information on security challenges, their effects on business, and alleviation systems. These three factors would be autonomous while there would likewise be reliant factors that would incorporate security upgrades and security levels that would be examined and estimated along the free factors to comprehend if explicit security relief or danger anticipation strategies were fruitful in improving security in separate organizations(Kumar Ahuja, 2014). Research Model This exploration utilizes a blended research technique that includes assortment of optional subjective information that would be investigated utilizing topical examination and the essential overview information that would be dissected utilizing measurable investigation strategies. The decision of blended strategies is made as this exploration needs to investigate the idea of security in IT organizations to clarify and make translations. As blended research permits investigation of the thought from alternate points of view and at various levels, a more profound comprehension of marvel can be obtained(Cameron, 2009). A blended research technique can utilize any of the examination structure methodologies from the accompanying plans: Consecutive logical: In the successive informative research plan, first the essential information is gathered and broke down and afterward optional information is gathered and dissected in help. Consecutive Exploratory: In the successive exploratory research plan, first the optional information is gathered and broke down and afterward essential information is gathered and investigated in help. Successive Transformative: In this technique, essential and optional information are gathered and dissected independently however the aggregate outcomes are then interpreted(Wisdom Creswell, 2013). Simultaneous Triangulation: In this strategy, two techniques are utilized for cross-approval of discoveries from one another. Simultaneous Nested: In this strategy, one technique might be settled inside the other technique for examination Simultaneous Transformative: In this sort of investigations both technique are utilized for assessment of a hypothetical viewpoint. In this examination, a consecutive way to deal with blended research would be utilized to such an extent that the optional information on security dangers and alleviation systems would initially be gathered and broke down to recognize topics of security concerns and arrangements. These subjects would then be utilized for building up a poll for the essential information assortment and investigation. This examination would test the techniques distinguished as answers for security in the optional research(DHS, 2009). Information examination Method Information examination would be led in two sections. In the initial segment, the writing information would be dissected utilizing snowball examining to recognize security dangers and moderation procedures from auxiliary research papers. One the premise of the outcomes got in this examination, a poll would be set up for the essential research and the information got from the overview would then be broke down utilizing factual investigation on SPSS. Various factors would be investigated and read for relationship to comprehend in the event that they affect different factors. Connection would be tried for understanding connection between dangers confronted and safety efforts taken, se

How to Cope With Parenting Stress and Anxiety

How to Cope With Parenting Stress and Anxiety Relationships Violence and Abuse Print How to Cope With Parenting Stress and Anxiety By Vincent Iannelli, MD facebook Vincent Iannelli, MD, is a board-certified pediatrician and fellow of the American Academy of Pediatrics. Dr. Iannelli has cared for children for more than 20 years. Learn about our editorial policy Vincent Iannelli, MD Medically reviewed by a board-certified physician Updated on February 04, 2020 Kohei Hara / Getty Images More in Relationships Violence and Abuse Spouses & Partners LGBTQ Parents, especially first-time parents with a new baby at home, are often expected to feel some anxiety about things. From whether their baby is sleeping too much or getting enough to eat, so if they are crying too much, every little thing can seem like a very big issue when you are a new parent. Fortunately, this parenting anxiety often goes away, or at least gets better with time, and as a parent gets more experience with their baby, especially once they have a few more kids. Common Causes of Parenting Anxiety Some parents continue to be anxious and feel some stress about things though, such as if their child: Is meeting his developmental milestones on timeSpends too much time at a daycare and away from homeHas enough friendsIs exposed to too many chemicals in their environment, such as BPA, phthalates, VOCs, mercury, or second-hand smokeMakes good enough gradesIs a good athleteEats too much junk food and is overweightIs being bullied at school And with everything they might read on the Internet, parents can even be anxious about the decision to get their kids vaccinated and protected against vaccine-preventable diseases. Other Sources of Parenting Anxiety Of course, just about any parenting problem can become a source of parenting anxiety. From a preschooler who starts waking up in the middle of the night to a toddler who doesnt want to become potty trained. While these are normal parenting problems that many of us face at one time or another, the anxiety usually comes when a parent begins to feel that the issue wont ever be resolved. When parents start thinking like this, it is easy to see how they can become stressed out and anxious, especially if they think they will never get to sleep through the night again or that their child is going to start kindergarten and still not be potty trained. Bedwetting, frequent temper tantrums, and picky eating are other parenting issues that often lead to some parenting anxiety. Besides common parenting issues, money is another big source of anxiety. For a long time, parents had to simply worry if they were going to be able to save enough to send their kids to a good college. Today, more and more parents have to worry about keeping their homes out of foreclosure or even keeping or getting a job. Worry about money and the economy also spills over to worry about the future of our children for many parents. Will there be jobs and careers for our kids when they grow up so that they can raise kids to worry about themselves? Strategies to Help You Cope With Stress and Anxiety as a Parent To help cope with the stress and anxiety of parenting, it is important to remember that just about every parent thinks about these types of things and even worries about them from time to time, no matter how smart their kids are, how much money they have, or how bright their futures may seem. And worrying about our kids and their future isnt even a new thing. The book Anxious Parents: A History of Modern Childrearing describes polls in the 1930s in which parents ranked their long lists of worries and describes the 20th century as a century of anxiety about the child and about parents own adequacy. Unfortunately, we havent broken out of that cycle of parenting anxiety in the 21st century. You can get help and try to be a less anxious, stressed parent by starting to: Talk to your partner more, especially about the things you are worried about, but also about everyday issues so that maybe you can catch yourself before you start worrying about them.Talk to other parents, including friends and family members, about the parenting issues you are facing and things you are anxious about. This is especially important for dads who rarely talk about these types of things with their friends or other dads. It is often helpful to simply know that other people are going through the same things and have the same worries.Get professional help, like from your pediatrician, for parenting problems that you arent comfortable handling yourself or that arent getting better, whether it is about potty training, sleep problems, or a biting toddler.Take good care of yourself by eating well, getting a good nights sleep, and exercising, especially when you feel extra worried and anxious.Consider seeking professional help for yourself from your doctor, a psychologist, or a p sychiatrist if your stress and anxiety are causing severe or lingering symptoms so that it is hard to sleep or do your daily activities. Most importantly, remember that there is no magic formula for parenting success. Your child could be the most popular, the smartest in the school, or a star athlete but that doesnt mean that he will grow up to be happier, get in less trouble, or be more successful than any other kid. The best we can likely do is to raise our kids so that they feel loved, are happy and healthy, and develop as much self-confidence as they can so they can then build on their strengths and interests.

So Rich, So Poor by Peter Edelman Essay - 1000 Words

While it has proven to be difficult to end poverty in America, Peter Edelman is optimistic. In his book So Rich, So Poor Edelman makes a call to action. There are four prominent ideas that underpin Edelman’s reasoning throughout the book: (1) More people must understand why poverty is still so prevalent in America; (2) extreme poverty must be taken into consideration as a shocking 6 million Americans’ sole income was food stamps in 2011. This fact alone creates a sense of urgency that drives Edelman; (3) increasing income inequality should be treated as a moral issue; and (4) bold political action will be required if substantive progress will be made in alleviating poverty. Unfortunately, despite President Roosevelt’s New Deal and†¦show more content†¦While it is not until his final chapter â€Å"Young People: Improving the Odds† that we read Edelman’s thoughts on American education at length, I argue that the theme of education is one that motivates Edelman’s writing. In order to best understand how the failure of American public education factors into Edelman’s discussion on poverty, we must first pull the curtain away from the his principle focus on the economy. Edelman suggests that the decline of union power, a weak minimum wage, and an increase in the number of people entering the labor market have had a comprehensive deleterious effect on those who are most economically disadvantaged (50-54). To add to Edelman’s understanding, we must consider the underlying negative effects of the structural failure of public schools and how it compounds issues that influence poverty. We can see, for example, how the public education system fails to match student skills with employer needs, which leads to unemployment and limited job mobility. In his argument, Edelman recognizes that a number of employers â€Å"cannot find qualified workers† (57). Rather than focusing on the economy as the principle point of failure, if we dig deeper in to Edelman’s argument, we find that our current system of education fails to provide students with skills sets that match those employers areShow MoreRelatedSo Rich By Peter Edelman1293 Words   |  6 PagesPeter Edelman wrote his most recent novel, So Rich, So Poor in 2012 and it was published in the same year by The New Press. Edelman is a lawyer and policy maker whom specializes in the fields of welfare, poverty, juvenile justice and constitutional law. He received both his bachelors and law degree from Harvard College. After graduation, Edelman served as a law clerk to Judge Henry Friendly on the U.S. Court of Appeals and then as a law clerk for Justice Arthur J. Goldberg on the United States SupremeRead MoreDancing in The Dark by Morris Dickstein1061 Words   |  5 Pagesmoney on bills, so you have no money left for food to feed your family. We consider poverty to be just being poor. One-Third of our population makes less than $38,000. This is not enough to be able to be above the poverty line. Anything below this â€Å"line† is considered being poverty. How do they decide this line? They take the cost of a very basic diet, and they multiply it by three, for a family of three. That being said, One-half of the jobs in America pay below $38,000 a year, so no wonder we areRead Morepoverty in america2346 Words   |  10 PagesAmerica now has, by many standards, the lowest social mobility of all of the high-end countries, meaning that a child born into poverty is likely to grow up as a poor adult. This is surprising for a country that not only prides itself as being a middle class society, but as the society where anyone can make it and where social mobility is so high. In some places now, it is hard to believe that America is an economic giant. â€Å"One in four young children lives in poverty in the richest nation on earth.†Read MorePoverty And Its Effects On Poverty1826 Words   |  8 Pagesthe face. The poor are not only deprived of things like food, water, housing, and education that make up the typical guidelines of life, but they are deprived of luxuries. As we see the world around us evolve in it’s ways of architecture, transportation, and fashion, we also see that the poor are not welcome to this change. They are so busy longing for the necessities of life, that they don t get to take pleasure in the advances of the world. Some areas affected by poverty have been so deprived ofRead MoreBrand Strategy and Imc11643 Words   |  47 Pagesuntil a certain nicotine dependence has been developed, is somewhat less important than other things. Indeed [sic] strength of taste has not been a factor in the current creative strategy for Player s Filter. The brand has been positioned so that people can apply their own taste qualities to it. (1977, p. 12) According to an ITL document entitled 1971 Matinee Marketing Plans, without price differentials and without easily perceptible product differentiation (except for extremes

Service Quality and Client Satisfaction Cases of Multiple...

A competitive world of numerous public and private service providers placed perceived quality as one of the crucial determinant in selecting a product or service. With the aim of determining service quality present study investigate multiple public and private agricultural extension service providers in Bangladesh. SERVQUAL model was employed to measure service quality using face to face interview with 391 respondents. This study was also complimented with qualitative methods like key informant interviews, focus group discussion and informal interviews. Z statistics revealed that there was a significant difference between the perceived and expected ratings on all of the service quality dimensions. It was also confirmed that highest gaps†¦show more content†¦Several other studies posit that the performance of agricultural extension is unsatisfactory and a remarkable proportion of potential clients remain out of extension service (Haq, 2011; Porimol et al., 2008; Daily Star, 2 008). In addition public agricultural extension is often criticized for being too top-down as well as large and medium farmer centered (Swanson, 2011; World Bank, 2005; Sobhan, 1995). In general extension services offered by private organizations is conceived as better than public extension service although empirical evidences are scarce. Rather extension service offered by private companies can logically be criticized for high profit making intension and ignoring development motive (Haque, 2010). On the other hand NGOs may be little ahead in terms of contact frequency (ASIRP, 2003) and dealing with special farmer groups such as landless, marginal, etc. (Birner et al., 2010; Haque, 2010) but the quality of service and skill of extension of worker is not out of the question. Nonetheless NGOs are commonly criticized for working in fashionable locations, limited capacity for agricultural technology development and dissemination, more accountable to funding agencies than clients (Farrington, 1997). A service deemed to be of high quality when the customer’s expectations are corroborated by subsequent service delivery. Service quality is important and strategic aspect inShow MoreRelatedService Quality and Client Satisfaction: Cases of Multiple Providers of Agricultural Extension Service in Bangladesh763 Words   |  4 Pagesthe early 1980s customer satisfaction surveys have maintained a conspicuous place in the research agenda (Allen Rao, 2000). Quality is the core strategy that organizations execute to bring better values to customers for gaining a competitive advantage. Quality is conformance to requirements (Crosby, 1979). However Juran et al. (1974) see quality as fitness for use while according to Kanji (1990) quality is satisfying the customer’s requirement continually. Service quality is the ability of the organizationRead MoreCases of Multiple Providers of Agricultural Extension Service in Bangladesh833 Words   |  3 Pages1.2 Agricultural Extension Syst em: the Bangladesh case In Bangladesh a multitude of agencies from private and public origin offer extension support to the farmers (ASIRP, 2006). Although recent years witness a noticeable change in agricultural extension service providers, the public institutions still remain the dominant. The new entrants to the field include non-governmental organizations (NGOs), the private sector agribusiness enterprises and grass-root institutions eg. Self-Help and micro-creditRead MoreProshika Ngo12465 Words   |  50 PagesNGOs in Bangladesh have been recognized as effective change agents in the socio-economic arena throughout the world. Their contributions in micro credit, non-formal education and primary health care are widely known. NGOs play a significant role in society. As a result accountability and importance of NGOs has become a critical issue. But, regardless of motivation the theoretical issues related to the accountability of NGOs remain largely neglected in Bangladesh. 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Maxis was granted licences to operate a nationwide GSM900 mobile network, a domestic fixed network and an international gateway in 1993. It commenced its mobile operations in August 1995 and launched its fixed line and international gateway operations in early 1996. Since its establishment, Maxis has been providing a full suite of services on multiple platforms to fulfil the telecommunicationsRead MoreMarketing Management 14th Edition Test Bank Kotler Test Bank173911 Words   |  696 PagesDefining Marketing for the 21st Century 1) Which of the following statements about marketing is true? A) It is of little importance when products are standardized. B) It can help create jobs in the economy by increasing demand for goods and services. C) It helps to build a loyal customer base but has no impact on a firms intangible assets. D) It is more important for bigger organizations than smaller ones. E) It is seldom used by nonprofit organizations. Answer: B Page Ref: 4 Objective:Read MoreFinancial Intermediation and Economic Development in Nigeria9795 Words   |  40 PagesHowever, despite the fact that Nigerian banks have undergone series of restructuring/reforms aimed at strengthening the banks’ ability to efficient service delivery and fund the real sector, problems such as; inefficiency in allocating funds to the real sector, lack of long-dated funding, neglect of the core private sector in terms of credit extension, weak capacity of the banks to fund the real sector, low-level activities of banks, and illiquidity still lingers. This study therefore, examines empiricallyRead MoreTraining Need Analysis and Evaluation of Training Effectiveness13780 Words   |  56 Pagesin NOIDA. Besides, 3700 Act Apprentices and 1300 Technician Apprentices were also provided with training at BHEL’s Units, as part of fulfillment of its social obligation towards the society. Also, towards its ongoing efforts for higher customer satisfaction, around 1100 customers personnel were provided training inputs on its products at Training Centers in the Units. Thus an opportunity to study at BHEL will be both enlightening and enriching. INTRODUCTION An organization either Business

Politics in Education Free Essays

string(161) " evaluations of teachers thus improving effectiveness based on students achievement \(2\) raising the limit of charter schools \(League of Women Voters, 2011\)\." Politics in Education Can education exist without politics? The answer is simply put no. While many would love to see the political scene leave education, it is inherent that the two remain together. The key is how they work together in the best interest of the students. We will write a custom essay sample on Politics in Education or any similar topic only for you Order Now Public schools are responsible for two precious entities- children and tax dollars (Farmer, 2012). This is one of the reasons that â€Å"today, education is perhaps the most important function of state and local governments† (Brown v. Board of education, 1954). While we are progressively seeing federal mandates in education more now than ever, it is mainly the state and local levels where politics are inseparable (Farmer, 2012). Since education is highly imperative to the future of our country, it is and will always be subject to political scrutiny. From the beginning, a well educated American was deemed necessary to protect independence and the general welfare of the citizens (League of Women Voters, 2011). It has been stated this type of citizen will â€Å"rule themselves through elected officials† (Brademas). Education, especially higher education, at one point was considered a luxury; however, in today’s world a â€Å"high-quality† education often including the collegiate level is believed to be both a â€Å"universal right and a necessity for individual welfare† (Farmer, 2012). For this reason education will remain important topic of political debates between politicians as well as local townspeople. Politics in education goes dates as far back as the Land Ordinance of 1785 and the Northwest Ordinance of 1787. Federal support was given at this time and later in 1841 with the Land Grand Act in the form of land designated for a system of public education to be established. During this time the federal government began to grant money. This money was often used to clean up from war expenses; however, some funds were used for education even though congress did not stipulate that such funds could be used for education (League of Women Voters, Oct. 2011). It is well aware this funding continues today although the state and local government share the majority of the responsibility. In 1791, the 10th Amendment guaranteed rights to all citizens by stating â€Å"the powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people. † This amendment entrusted authority over education to the states by having state constitutions assign specific responsibility and legal authority for public education (Usdan, M. , McCloud, B. , Podmostko, M. , and Cuban, L. , 2001). Today, state and local revenue fund approximately 87% of the money for elementary and secondary education. It is estimated that only 10% comes from federal funding (The Federal Role in Education). In 1867, the original Department of Education was established to collect data on schools and teaching in order to help create an effective school system (League of Women Voters, 2011). One major turning point for federal education was the GI bill of 1944. The government allotted for nearly eight million World War II veterans to have education assistance to attend college. Until this point, the federal government basically only did research and created policies for an effective system. Financing of education was not highly supported through the department. Then in 1958, Congress passed the National Defense Education Act (NDEA) in response to Russia’s Sputnik. This created money available to students willing to study in science, mathematics, and foreign languages (Dow, 1991). In 1965, the Elementary and Secondary Education Act was created which included Title 1 funding to the disadvantaged. In 1983, A Nation at Risk was released calling for a refocus on an education reform in order to compete with other countries as it appeared that America was falling behind (Farmer, 2012). Even though the Department of Education has grown drastically, their mission still remains â€Å"to promote student achievement and preparation for global competitiveness by fostering education excellence and ensuring equal access† (Department of Education, 2012). Today, every educator is familiar with most of the current federal mandates including- No Child Left Behind (reauthorization of ESEA), Race to the Top, and common core standards. While most of the funding, administrating, and accountability falls on the state and local governments, these are all federal policies which are often the main topics in a political education debate. One must ask why the federal government has most of the control over our educational system if it is primarily funded by state and local governments. Is it possible that different areas with different demographics might need a different policy than that mandate from federal level. Being successful is teaching the students in the best possible environment and demonstrating success through achievement. What works in one small town may not work in the next small or large town. Why, then, does the federal government upport equality by mandating yet not funding criteria. One thing does remain true- all of these do have a common census-equality in education for each student. The debate question that rises: â€Å"is equality for everyone possible? † Under President George W. Bush, No Child Left Behind was designed to â€Å"close achievement gaps, particularly for minority children† (League of Women, 2011). It was set that by year 2014, 95% of students would be meeting state st andards in reading and math. Many educators, politicians, and citizens argued that this was an unrealistic goal which would in return be punishing or threatening the low-performing schools. Under this law, parents could be given a voucher to send their child to a different higher performing school. Although every educator had to obtain â€Å"highly qualified† status, teachers working at the schools deemed needing improvement often had negative feelings toward their job and thus the students suffered (League of Women Voters, 2011). Race to the Top was signed into law by the current President Barack Obama in 2009. This federal mandate came with promises of funding, and as everyone knows â€Å"money speaks volumes. † This approach would award funds to states who would meet the necessary requirements. Two of these requirements are (1) improve evaluations of teachers thus improving effectiveness based on students achievement (2) raising the limit of charter schools (League of Women Voters, 2011). You read "Politics in Education" in category "Essay examples" Race to the Top has several supporters because it comes with necessary funding to move our current classrooms into the 21st century; however, it also comes with unrealistic research. Several argue that standardized testing is not a fair way to evaluate teacher performance. The most current federal request is the use of common vs. state standards The idea here is that not only will each child receive an equal education within their state, but they now will receive the same equal education within their country and hopefully one day within the nation. The use of common core standards allows children to master through higher order thinking within broad life skills instead of basic memorization of state specific standards. It opens up a new way of thinking for children and teachers. It also does create a more equal playing field as far as what children learn within their elementary and secondary education career. Most political debates in education often revolve around these federal policies, but even more often than that the main debate is: funding. Who is going to pay for education? The answer brings up the other highly political debate- us, the taxpayers. It is true that all three levels of government- federal, state, and local- contribute to education. States typically provide a little less than half, local governments about 44%, and the federal government only funds 10% . The interesting fact is that within the federal government’s10% it includes Title 1, NCLB, RttT, Special Education, child nutrition, and Head Start (Federal Education Budget, 2012). Also, overall the U. S. Department of Education accounts for less than 3% of the total federal budget (Federal Education Budget, 2012). As a nation, we must ask ourselves is the value of education really worth only 3% of the entire federal budget? Excellence is given symbolic prominence, but not sustained financial support† (Usdan, et al, 2001). The political debate is that most politicians will not support efforts to increase funding for education because it will raise taxes- something very few citizens support. However, if the federal government gives only 10%, the state of Tennessee is left with majority of the responsibility to fund education in order for it to succee d. States rely mainly on income and sales tax to fund elementary and secondary education. It is the legislature who determines the level and distribution of the funding. Tennessee uses the Basic Education Program (BEP) in order to determine the cost specifications for each component in our system. In Tennessee, the share is roughly 70% which is average when compared with our country (Tennessee Basic Education Program, 2011). In some states it is as high as 86% and as low as 31%. The variation exists because some states rely heavily on local property taxes instead of state funding (Federal Education Budget, 2012). The last and probably one of the most political entities is that of the local school board. The funding for local schools is usually provided by property taxes. Thus the wealthier areas have the ability to collect more taxes which allows for them to keep tax rates lower. Unfortunately, the poorer communities may have higher tax rates but still not reach the needed funding for the local school district. Therefore often times children with the highest needs are often sent to the schools with less resources and less qualified teachers. This is why education can never be created equal for every child. Another political argument is that in present times education leadership in America is not withheld to high enough standards. Instead some argue that we have fifty â€Å"education governors† (Usdan, et al, 2001) or some even go as far as to say, â€Å"Governors and presidents are no better suited to run schools than they are to run construction sites† (Thomas, 2012). Truthfully, yes many governors could be doing a better job in education, but most are willing to fight for it. Most support the importance as honestly we must all agree that â€Å"what, after all, could be more important than a proper education for the state’s most precious asset, its children? † (Usdan, et al, 2001). This argument holds very true at the local level. It is correct to say that from the ladder of the president to the governor to the superintendents of education to school board chairs and members: often some of these educational leaders have little to no background or expertise in education. From the federal to the state level, most appointed leaders in education branches bring the required knowledge. However, the local school board is composed of a diverse group of members with different backgrounds and knowledge. While they all bring unique characteristics and a broad base of knowledge, it is often the case that they do not bring an educational background. Education needs a reform in which it is driven by educators who have lived within the field. These are the people who need to be in charge of forming and implementing our country’s educational policy. Educational leadership is important at all levels including the local school board. For over 200 years, politics has played a part in our educational system. From the federal government all the way down to the local politics talked about in gas stations or at a high school football game. Politics and education will always be entwined together. Both are vital for the future of our nation as our future is in our children. As the vision for Tennessee states, â€Å"it is to prepare all Tennessee children for successful post-secondary work, education, and citizenship. † The state’s master plan is to â€Å"ensure equal access to the education constitutionally guaranteed to all Tennessee children† (Master Plan). Without politics, schools will not exist. Without schools, knowledge to become a successful, active citizen will not exist. Thus both politics and education will always hold a vital role. Resources: Brown v. Board of Education. (1954) Civil Rights Organization. Retrieved October 2012, from http://www. civilrights. rg/education/brown/ Department of Education. (2012) Mission Statement Retrieved October 2012 from http://www2. ed. gov/about/overview/mission/mission. html Dow, P. B. (1991). Schoolhouse politics: Lessons from the Sputnik era. Cambridge, MA: Harvard University Press. Farmer, T. (2012, January 12). Politics of Local Education. Retrieved from the Connexions Web site: ht tp://cnx. org/content/m14432/1. 10/ Federal Education Budget Project. (September 13, 2012). Retrieved October 2012 from http://febp. newamerica. net/background-analysis/school-finance Federal Role in Education. (2012). U. S. Department of Education. Retrieved October 2012 from http://www2. ed. gov/about/overview/fed/role. html League of Women Voters of the United States. (October 2011). The Role of the Federal Government in Public Education Part Two. Washington D. C: Author. League of Women Voters of the United States. (2011). The History of Federal Government in Public Education: Where have we been and how did we get here? Washington D. C: Author. Master Plan (2008). Master Plan FY 2008-2012. State Board of Education. Retrieved October 2012, from http://www. state. tn. us/sbe/masterplan. htm Tennessee Basic Education Program. (October 2011). State Board of Education. Retrieved October 2012 from http://www. state. tn. us/sbe/BEP%20Booklet%20FY12. pdf Thomas, P. L. , (2012). Politics and Education Don’t Mix. The Atlantic. Retrieved October 2012 from http://www. theatlantic. com/national/print/2012/04/politics-and-education-dont-mix/256303/ Usdan, M. , McCloud, B. , Podmostko, M. , and Cuban, L. (2001). Leadership for Student Learning. School Leadership for the 21st Century Initiative A Report of the Task Force on State Leadership. Washington, D. C. Retrieved October 2012 from http://www. iel. org/programs/21st/reports/staterole. pdf How to cite Politics in Education, Essay examples

Jackie Robinson Essay free essay sample

After he retired room baseball, he was awarded High Honors from civil and human rights organizations, religious groups and the United States government. (Source 2) Jackie attended Pasadena City College. He earned average grades in school but excelled at sports. He beat his brother Mack in the broad jump. He was voted MAP on the football squad. Then he was named the greatest base runner on a junior college team by sportswriters. Later he attended UCLA and led the Pacific Coast Conference for basketball. He was the National Champion in Long Jump and an all American Halfback in Football.After that he was the varsity shortstop in baseball. Jackie became the first athlete at UCLA to Letter in four sports in a single year. When Jackie was a senior he met his future wife, Rachel Sum. His first professional baseball team was the Kansas City Monarchs for the Negro League. As he was playing for the Monarchs, the president and General Manager Branch Rickety sent out scouts to the Negro Leagues to look for a man to desegregate the Major Leagues. We will write a custom essay sample on Jackie Robinson Essay or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page When the scouts came back that had a list of potential talent but they all talked about Jack Roosevelt Robinson.Rocky listened and did his own research before he brought in Jackie for a face to face meeting. This historic meeting took place in his Brooklyn office on August 28, 1945. Rocky described the stressful conditions he would face in the Majors. He said that he wanted a player that has the guts NOT to fight back. Jackie agreed to fight back to be a better player. Two months later he signed with the Montreal Royals, the Dodgers farm team. After, he helped the Royals win the pennant the Dodgers signed Jackie to the Dodgers on April 10, 1947.After Jackie retired from the Majors he and Rachel moved to Stamford, Connecticut where they built a house and raised their three children: David, Jackie Jar. And Sharon. He raised money for the NAACP (National Association for the Advancement of Colored People). He joined protests, marches, played golf, wrote books and newspaper columns. He also hosted radio shows and supported political candidates. And like any other Father cut the lawn. He loved his family and his legacy lives on. There are lots of things that happen in our nations history and they stay with us which makes them history.Jackie Robinsons courage, strength and ability to make change are one Of them. Jackasss Story is not only about baseball but about a movement in America and our acceptance of African Americans playing sports and being a part of society. Many people who knew Jackie personally had a deep admiration for him; he was loved. He wanted everyone to have a fair chance at life, no matter what color or religion you were. He wanted fairness and acceptance. He cared about America and showed that by joining the Army. He once said that, A life is not important except for the impact it has on other lives. (Source 2)