How To Become An Essay Writer - Classi Blogger

How To Become An Essay Writer -
Classi Blogger
1. Step
To get started, you must first create an account on site HelpWriting.net.
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2. Step
In order to create a "Write My Paper For Me" request, simply complete the
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How To Become An Essay Writer - Classi Blogger How To Become An Essay Writer - Classi Blogger

University of West Alabama
University of West Alabama Livingston
Division of Online Programs Business Programs
With a longstanding tradition of offering quality education for over 175 years, the University of West
Alabama branched out in the fall of 2002 and began offering online educational programs. Since then,
online education has taken off at UWA.
With an easily customizable format and flexibility to suit a diverse set of student needs, UWA s
business programs are at the ready to prepare Alabama with future business leaders. In fact, UWA is
the first learning institution to earn the prestigious Integrity Excellence Certification for the quality
and integrity of its online course offerings. This certification is offered through the Trusted Seal
Program sponsored by the International Center for Academic Integrity International.
Bachelor of Business Administration: Accounting
UWA s Bachelor of Business Administration in Accounting is perfect for students interested in
contributing to the business world as dynamic decision makers with financial expertise. According to
the Bureau of Labor Statistics, accounting jobs are expected to grow faster than average for all other
jobs through 2016. Accounting majors can expect to be hired in all job sectors, especially those
accountants who have a degree from an accredited, highly regarded university like UWA. Coursework
for UWA s Bachelor of Business Administration in Accounting involves:
39 semester hours from the Business Professionals component
... Get more on HelpWriting.net ...

Comparing Plato And Aristotle s View Of Democracy
Like the best life, the best system of government is conducted in accordance with excellence.
(Aristotle, N. Ethics 1295a 25)
In terms of Democracy, Plato and Aristotle differ extensively. For instance, Plato considers
Democracy as a fundamentally corrupted form of government, where the possession of power rests
upon the will of the masses, which for Plato are incapable of achieving true knowledge. Conversely,
Aristotle recognizes Democracy among the best forms of governance. However, he argues that
democratic rule, if exercise in the form of Polity, will eventually lead society to pursue the best life.
Moreover, for the purpose of this essay I will concentrate in analyzing Plato and Aristotle s works with
respect to democracy in ... Show more content on Helpwriting.net ...
(POL. 1297b 37)
In addition, Aristotle and Plato fundamentally disagree in the conception of positive outcomes with
democratic governance. Specifically, Aristotle argues that if and only if the majority exercises its
power according to the rule of law, the majority s will is consider as valid, since only by following the
principles of law a society can achieve the best life. (POL 1295a) Conversely, Plato clearly rejects the
possibility of any positive consequence under democratic authority. Since according to him, the
masses possession of political authority in a democracy appears to be the complete negation of social
order and hierarchy. (REP. 556a 10)
Third, there are two major aspects in which Plato and Aristotle criticize democratic freedom. For
instance, Plato criticizes democracy mainly because he argues that the particular way in which a
democratic government exercises freedom allows individuals to behave lawlessly; therefore living
upon their desires. (REP 557a 5)
In contrast, Aristotle recognizes two important elements of freedom in a democracy. First, he
acknowledges as positive the fact that in a democracy freedom can be understood as the possibility of
rule and being ruled in turn. (POL 1317a 40) Next, like Plato, Aristotle criticizes democracy based on
the idea that for him, it symbolizes the rule of the majority that has the liberty to act without
constrains. (POL 1317b 13)

Summary Of A Worn Path By Eudora Welty
2011080257 尹珠英
Book Review
A Worn Path by Eudora Welty
The author, Eudora Welty was an award winning American author who wrote short stories and novels
about the American South. Her first short story appeared in 1936, and gradually she began to e
published in small, then regional and general circulation magazines. She published collections of her
short stories and began publishing novels as well. She was the first living author to have her works
published by the library of America.
A Worn Path written by Eudora Welty is an interesting short story about an elderly African American
woman walking through the woods into town, and the story is also heaving with symbolism and
several themes. First and the most obvious symbol in the story A Worn Path is the Phoenix and
Phoenix Jackson s comparison to the mythological bird, the Phoenix. Phoenix is a mythological bird
that is said to live 500 years or more than 500 years, die in flames and rise again from the ashes. Just
as the Phoenix bird has a cycle of life, death and rebirth, Phoenix Jackson takes a dangerous journey
through the woods n her life time.
Phoenix Jackson is an old, old woman. Actually we do not know exactly how old she is, but we could
know that she is small and frail that have mention from the story, when a black dog comes out of the
... Show more content on Helpwriting.net ...
She distracts him by having him chase away the black dog, and while he isn t looking she thinks she
bends over to pick up the nickel and puts it in her pocket. She immediately feels remorse, noting a bird
that flew by, and senses that this bird was God watching her. Also, this is when the hunter threatens
her with his gun, and when he asks if the gun doesn t scare her, she replies, No, sir, I seen plenty go
off closer by, in my day, and for less than what I done. She is not sure if he saw her, but she knows
that God saw

What Is Maize s Role In North American Culture
1. Maize Cultivation 1. Definition 1. Cultivating corn (planting and harvesting corn) 1. Associated
Group(s)/Tribe(s) 1. Navajo, Cherokee, Mohave and Pueblo Tribes 1. Region(s) in North America 1.
South United States, Northeast USA and the Great Plains 1. Significance 1. Maize (corn) was part of
the Native American everyday diet. Maize was part of the three sister which is squash, beans and
maize. These were eaten by most tribes even if they didn t grow it. They would trade with neighbors
who farmed maize in order to obtain it.
1. Hunter Gatherer Economy 1. Definition Hunter gatherer tribes usually required a large amount of
land. The men would hunt bison, deer or rabbit and the women would gather berries ... Show more
content on Helpwriting.net ...
West Africa 1. Role in early European Exploration 1. Europeans went to West Africa so they can trade
for slaves which were in high demand because Native Americans kept on dying due to disease brought
by the european settlers. The highly profitable plantation of sugar required constant attention and
exhausting labor 1. Role In North American Society 1. Slaves were treated harshly and worked to the
bone. They could not own land and many landowners would not allow them to read and write. The
slaves were used to work in the fields and make life easier for their owners. Some slaves were forced
to have sexual activities with their owners so they can produce more slaves instead of buying them
1. Capitalism 1. Definition is an economic and political system in which the economic market is
controlled by private owners and not the government 2. Positive Impact of Capitalism 1. Gives politics
to the people rather than being controlled by the state 2. Private firms are more efficient and have
higher production rate 1. Negative Impact of Capitalism 1. Can create monopoly which can let
companies increase prices 2. Private firms can pay lower wages to their workers if they control the

Bill Clinton Moral Leadership
For many years there have been people who obtain a high leadership billet, but are not worthy of it.
These leaders who are not worthy of it tend to lack moral standing and responsibility. Mortals are a
person s standards of behavior or beliefs concerning what is and is not acceptable. Although many
people believe that it is acceptable for leaders and politicians to have moral deficiencies, it is
imperative to be of the highest moral standing to be successful.
Let s take our Forty Second President Mr. Bill Clinton for example of poor self knowledge on what s
acceptable and not acceptable when in a leadership position. Certainly he lacked moral standing
because he was impeached from his presidency with two charges, perjury and obstruction

Thousand Cranes Research Paper
The novel Thousand Cranes by Yasunari Kawabata exposes the emerging movement from tradition to
westernization in post war Japan. Kawabata enriches his novel with a variety of intricate relationships
between children and their parents, exposing how the loss of tradition begins at home. Ironically,
Kawabata then depicts how even teachers of tradition manipulate it with their hate and jealousy to
achieve their sinister motives, tainting the new generation s knowledge of tradition and thus moving
them away from it. The movement away from tradition allows the new generation to easily recognize
and be influenced by the newfound westernization in post war Japan. Through parents, Chikako s
poison, and the new generation; Kawabata explores the decaying ... Show more content on
Helpwriting.net ...
From the beginning, Kikuji is portrayed as a non customary individual who Mrs. Ota recognizes as a
perfect example of his father, although he does not perceive himself this way. He states that he had
been led easily into the other world...in which there was no distinction between his father and himself
(Kawabata 62). The other world symbolizes the western world that he was led to by the loss of
tradition, which is provoked by his father s lack of teaching and Chikako s misuse of the tea
ceremony. Kikuji s loss of tradition provokes him to further recognize the westernization surrounding
him as he becomes more familiar to the western culture and less with Japanese tradition. He illustrates
that as the western sun poured into [Tokyo]...[he looked] down from the crowded train, he felt that the
avenue alone floated in this strange time of evening, that it had been dropped here from some foreign
country (Kawabata 45). The western sun represents the western influence on the infrastructure of
Tokyo that is so strong Kikuji feels that he is in a foreign country. Therefore, as Kikuji begins to lose
his tradition and recognize the western influences on Japan s infrastructure, it successfully exposes the
shift from tradition to westernization in postwar Japan. Kikuji is not the only individual of the new
generation to portray and recognize

Informational Speech on Lacrosse Essay
Informative Outline
Topic: Lacrosse
General Purpose: To Inform
Specific Purpose: To inform my audience of the history of lacrosse
Thesis: Lacrosse has been around since the 1400 s, and is coming back today as one of the U.S. s most
popular sports I. Introduction
A. Attention Getter: Lacrosse: Legally beating men with sticks since the 17th century B. Reason to
listen: Lacrosse is one of the oldest sports in history, and it is interesting to see how the sport has
changed since it was created. C. Thesis Statement: Lacrosse has been around since the 1400 s, and is
coming back today as one of the U.S. s most popular sports.
D. Credibility Statement:
1. I have played lacrosse since I was in 6th ... Show more content on Helpwriting.net ...
The Summit, where I played indoor lacrosse during the off season, had around 10 different teams
during the winter league. We had either two or three games, back to back, every Sunday until season
started.
2. A faceoff starts each period of the game, and takes place after every goal. Depending on if you are
male or female, the faceoff is different.
a. A faceoff, or draw, is when two players come to exact middle of the field, which is marked by a
small circle. The rest of the team surrounds them, standing on the edges of the circle.
b. For males, the faceoff takes place on the ground. Both players in the faceoff try to push the ball to
their teammates on the outside of the circle, so they can start with possession of the ball.
c. For females, the draw takes place with both players standing up, and the ball balanced between the
two sticks, at anywhere from waist to shoulder height. Pressure is applied from both players, so when
the referee blows his whistle, the player with stronger force pushes the ball towards their teammates
and gains possession.
3. The referees make lots of calls during the game, because there are many little rules that the players
have to be aware of. Some of the most popular rules for refs to call are shooting space , crease
violations, and dangerous checking.
a. Shooting space refers to the imaginary lane that a shooter has when running towards the goal to take
a shot. If another player steps inside that lane, and is more than a

North Americ The World For Its Excellent Professional Sports
Layne Greeson
Introduction
North America is known around the world for its excellent professional sports. Athletes from around
the world come to the North America with the dream of becoming a professional athlete in their
respective sport. Organized professional baseball in North America was developed in 1876 with the
creation of the American League (AL). In 1901 the National League (NL) was formed in order to
compete with the AL hence Major League Baseball (MLB) was born. From 1901 till now Major
League Baseball has grown into a multi billion dollar industry consisting of 30 MLB teams residing
primarily in the United States with one team in Canada. The AL consists of 15 teams split into three
separate divisions. The NL also consists of 15 teams split into three separate divisions. MLB teams
compete in a 162 game season in order to determine which 10 teams, five from each league, will
compete in an end of the season tournament and have a chance to win a World Series which is the
most prestigious award an MLB team can accomplish. With this goal in mind MLB teams attempt to
hire world class athletes in order to produce a winning team which in turn generates revenue.
Baseball is statistical driven sport more than any other because the game is structured in a way that
allows for easy comparison of players performance through the use of statistical aspects. Baseball
teams pay athletes based on their statistical performance such as the number of homeruns they hit, the
number of

The Red Badge Of Courage
The Red Badge of Courage is a war novel written to exemplify the experiences and emotions of a
young soldier in the American Civil War. The novel details the qualities of maturity and manhood in a
gripping tale of Private Henry Fleming of the Union Army. The author, Stephen Crane wishes to relate
the American public to the emotional and psychological challenges endured by countless men in the
Civil War. Born in 1871, Stephen Crane was raised in a Methodist family. While training to become a
professional baseball player, he eventually chose to write as his career. Throughout most of his life,
Stephen stuck to his commitment that all his work should be backed by personal experience on the
subject matter. However, his most famous work, The Red Badge of Courage was completely based on
his remarkable imagination. He had no war experience; however, his vivid descriptions and details of
war surprised critics with their incredible accuracy. Stephen s approach at writing the novel was to
emphasize the passion, confusion, and growth of the soldiers, as most of the war tales at the time were
merely factual. The Red Badge of Courage presents war in a new light, one of emotional struggles and
mental milestones. In the tense times of today, it is easy to forget the maturity and courage of our
nation s heroes. Many writers and politicians portray war as a battle between good and evil, or as a
fight for superiority. While this may be true, it is necessary to remember the

Essay on The Visual Analysis of The Gleaners
The Gleaners (Des glaneuses) is an oil painting, 83.8 cm × 111.8 cm (33 in × 44 in), created by French
realist painter Jean Francois Millet in 1857. The piece of oil painting vividly depicts the nineteenth
century French rural life, with a rich flavor of harvest.
Jean Francois Millet arranges the farm as the main scene of background, and aims at three women
gleaners being bent to pick up ears of wheat. Through the observation of the painting, we can see three
peasant women occupy in the center of the screen, each bending with different angles, while their eyes
all raking down to the ground. To contrast with the distant crowd, they wear coarse clothes and clunky
wooden shoes, having robust statures. It is not appropriate to say that they ... Show more content on
Helpwriting.net ...
As some parts of background are closer to the light source than the front, they are applied with
brighter hues, high in value. In addition, Millet places things like haystack, trees and farmhouse in the
back, and peasant women in the front. Hence. On the basis the positions of objects, the principle of
line perspective, and the relative distance to the viewer, three gleaners visually appear within a larger
proportion on the painting. In other words, the front figures sizes are bigger than the back objects .
Further more, in the painting, the Gleaners , the entire screen is filled with contrast elements. First of
all, the main figures in the front labor scene are full of rich vigor, contrasting to the background with
silent objects such as hay, trees and farmhouse. Secondly, the color brightness of the front contrast to
the back, as well as the comparison of relative sizes between figures and scenery, applying the
principle of perspective. What s more, the most classic is the horizontal line, the intersection of the
sky and the ground, contrasting with the light source, from the top left. Consequently, 2D and 3D
spatial effects are combined precisely. Meanwhile, the sense of space of the image is strengthened as
well.
For this oil painting on canvas, the painter Jean Francois Millet did use concise expression means,
instead of complex techniques. Hence,

Basketball Temperature Lab Report
The experiment had four different temperature 12 ̊, 51 ̊, 75 ̊, 111 ̊. In the experiment it was about how
temperature effects the air pressure of a basketball. The one thing that would change the experiment is
recording the bounce because participants had to get the bounce and the measurement. The highest
bounce was the hot ball that was 111 ̊it bounce high. The lowest bounce was the frozen ball that was
12 ̊ because it barely bounced.
Introduction
Many athletes use basketballs, soccer balls, and volley balls to play their sports. The balls need to
have the right temperature and air pressure inside in order to work best. When a ball drops gravity
pulls it down to the ground. After the ball hits the floor the ball gains motion that is ... Show more
If the ball was heated the air pressure within it increased. The ball felt more inflated. The increased air
pressure resulting in a higher bounce. Different types of inflatable and non inflatable could be used in
this experiment to see if the results were comparable to the basketball. Different surfaces could also be
tested. Further research could benefit athletes as they could expect more consistent performance in
sports balls. The research could be expanded to improve the quality reliability, safety and performance
of vehicle tires as well. The next problem addressed could be whether different surfaces could affect
the rebound of a ball or the performance of a tire. More research in this question could result in better
athletic performance indoors and out. It could provide valuable information for manufacturers of
sports equipment. Vehicle tires and other devises that require a constant air pressure in order to
perform

The Minister’s Black Veil
The Minister s Black Veil Characterization
This essay will demonstrate the types of characters present in Nathaniel Hawthorne s The Minister s
Black Veil, whether static or dynamic, whether flat or round, and whether portrayed through showing
or telling.
R. W. B. Lewis in The Return into Rime: Hawthorne states: ... there is always more to the world in
which Hawthorne s characters move than any one of them can see at a glance (77). This is especially
true with such flat or two dimensional characters as are generally found in The Minister s BlackVeil.
These type characters are built on a single idea or quality and are presented without much
individualizing detail (Abrams 33). The sexton, ... Show more content on Helpwriting.net ...
Commenting on the realism of Hawthorne s characters, literary critic A. N. Kaul says: A deeply
American writer, Hawthorne is also a peculiarly modern writer. It is true that often he deliberately,
even perversely, shrouds his narratives in a sort of nameless, dateless archaism, and delights too in
calling up figures that seem to belong anywhere but in the real world (1). Hawthorne, after exposing
the surprised people to the sable veil, develops the protagonist through a description of some of his
less exotic, less curious characteristics:
Mr. Hooper had the reputation of a good preacher, but not an energetic one: he strove to win his
people heavenward by mild, persuasive influences, rather than to drive them thither by the thunders of
the Word. The sermon which he now
delivered was marked by the same characteristics of style and manner as the general series of his
pulpit oratory.
However, on this first day of wearing his black veil there is some peculiar difference in Hooper s
sermon:
But there was something, either in the sentiment of the discourse itself, or in the imagination of the
auditors, which made it greatly the most powerful effort that they had ever heard from their pastor s
lips. It was tinged, rather more darkly than usual, with the gentle gloom of Mr. Hooper s temperament.
The subject had reference to secret sin. . . .

Human Resource Professionals And Human Resources
Organisations of all kinds face changes in their environment, and there is a need for individuals who
are capable of turning strategy into reality. This change agent role is often located within the Human
Resource function. There are several reasons for this trend: Human resource professionals have
become business partners over the past decade, demonstrating the value they can add to the business
Leaders are looking for where the change process can best be managed Most business strategies
require major changes in people related issues, Human Resource professionals develop and manage
the key people systems needed to support organisational change Organisations that demonstrate a
flexible workforce who embrace the change will adapt more efficiently and effectively, and therefore
developing the skills, knowledge and behaviours of the human capital is crucial. Learning and
development initiatives are a key tool to encourage this culture of life long learning, and will
ultimately lead to a work force with the ability and desire to grow and adapt with the organisation. The
role of HR has changed from being a mostly administrative role to becoming a force that helps shape
company s aims and objectives. Whilst all HR strategies should be aligned and support each other
(horizontal integration), in order to provide the best possible service all HR strategies must be aligned
with organisational strategies (vertical integration) to support the company in achieving the

Cell Phone Etiquette Essay
Cell Phone Etiquette Jasmyne Ness Montana State University Billings Today, cellphones have now
became a support for the lives of many Americans. This has caused a struggle for some users to
approach the social norms and etiquette of cell phone usage. When I was younger, I remember going
to my parents company Christmas parties and hardly ever seeing a cell phone being used. Now, when I
go to my own company Christmas parties, all I ever notice is people on their cellphones constantly.
Checking on Facebook, surfing Instagram, or taking selfies to put on Snapchat. In my opinion, I feel
like cell phones have taken over face to face conversations and rely more on their digital screen. When
I m trying to have a face to face conversation with someone, I find it frustrating when the other person
is on their phone while I m talking. Another example, when people are having a dinner with a
significant other or even just a good friend and you find them constantly on their phone. Today, this is
a common sight to see when dining out. I believe that this should come to a stop. When I go out to
dinner with my family or just friends I always put my phone in the middle of the table, face down, to
avoid being tempted to use it. By doing this I am able to have an actual conversation with my family. I
have always obeyed this, but you always seem to have one, two, or even more that don t follow this
rule. It s rude when you are watching a movie, you payed a good

Text Presentation
Text presentation of the extract Anne meets her class
Prepared:
Lolita Romanyuk
201st group
Language and literature (Modern Greek)
The title of the text is Anne meets her class . The author s name is Dora Jessie Saint, best known by
pen name Miss Reed, she is an English novelist. The text is extract from the novel Fresh from the
Country , the story of a young country girl who has taken a first teaching job in the big city.
The text tells us about first day of a young teacher at school. She was introduced to her new class by
the headmistress. At that moment Anne felt helpless and embarrassed. The headmistress, Miss
Enderby, is imperious and strict person, she spoke in an imperative tone and with children and with
Anne. When ... Show more content on Helpwriting.net ...
When Miss Enderby gave Anne final instructions I think Anne felt reassurance because Miss Enderby
was very polite and she said that she could depend on her. In my opinion in school Anne was attentive
and diligent student, she was active and had good relations with teachers. When the headmistress went
out and the noise grew in volume, because the children communicate with each other very animatedly,
Anne remembered advice given her at college in such a situation: to stand still and to be calm and
gradually children will notice that you are waiting. Such advice could give her one of her teachers.
Plot structure of the text is direct. It consists of the exposition: Anne meets her class ; the beginning of
the plot: Miss Enderby goes out of the class ; plot complications begin with the phrase Anne gave
watery smile and end with the phrase Anne advanced into action ; the climax of the text is considered
in the following phrase: To your desks! she roared, And quickly. and the denouement: Anne s self
esteem crept back .
My attitude to Anne is positive. Reading this extract I understood that she is good natured and modest
person and treats with respect to other people. What about the text itself? Unfortunately we don t
know the continuation of the story, but

The Possibility Of Evil By Shirley Jackson And The Fall Of...
Secrets Uncovered
Power and Status are Lost as Secrets are Uncovered in The Possibility of Evil by Shirley Jackson and
The Fall of the City by Alden Nowlan
In The Possibility Of Evil by Shirley Jackson and The Fall of the City by Alden Nowlan, Miss
Strangeworth and Teddy experience the loss of their town as a secret is discovered. The protagonist,
Miss Strangeworth, in The Possibility of Evil portrays herself as a sweet and caring old lady, though
her exterior does not mimic her interior. Miss Strangeworth s one duty and job is to rid her town of
any possible evil. She believes she has power and status in her town. However, once her secret duty is
revealed, the town sees Miss Strangeworth as the possibility of evil and destroy ... Show more content
on Helpwriting.net ...
Likewise, Teddy also has very high status and power as he is the ruler of the Kingdom of Upalia. He is
Majesty King Theodore I, resplendent in the red and black of a generalissimo where he lives in a
winter place in Theodoresburg, capital of the Kingdom of Upalia (Nowlan 130). Like Miss
Strangeworth, Teddy takes his role very seriously. Not only does he use complex military words such
as generalissimo , he also takes awhile to make his decisions. While he is eating dinner, Teddy
contemplated his choice, pondering on the tactics that he needs to use in relieving the siege of the fort
by the river (Nowlan 131). Teddy weighs the pros and cons and thinks about what might happen, If the
Upalian army crossed the Tabelian marches, they might succeed in encircling the Danovans. On the
other hand, if they scaled the Theodoran mountains ... [sic] (Nowlan 131). He plans careful and
thoughtful while making decisions. With this knowledge and power, both Miss Strangeworth and
Teddy take their roles in the town very seriously.
In contrast to Miss Strangeworth and Teddy s power and status in their towns, the respect and value of
voice in their own lives are unsimilar. Miss Strangeworth is highly respected in her life, as she is quite
old and carries wisdom. Everyone knows who she is and turns to wave while she is on her morning
walk to the store. When she comes to the grocery store, half a dozen people turn away from the
shelves and the

The Beauty Of Women
Beauty is in the eye of the beholder; however, does the appearance of women affect their success in
the workplace or socially? In today s society, there has been an increase of women who want to attain
the Instagram body. The women who choose to have surgery feel that achieving the perfect Instagram
body will benefit them in the long run by allowing them (in most cases) to become a model or receive
other jobs related to their bodies. Getting a job is only one benefit of a better appearance. Permanently
or temporarily changing their appearance, to fit a certain beauty standard, allows women to positively
benefit socially or in the workplace.
There is this idea that beauty sells, however, people have found a loophole in this theory. In a study
conducted in 2006, evidence suggested that The unbecoming... profit from their lack of looks
[because] people... expect less from the unattractive, so when they surpass those low expectations they
are rewarded (Tucker). Society holds attractive people to a higher standard. People expect them to
have superior qualities and outperform less attractive people. However, when attractive people fail to
meet the standards society has set for them, they are labeled as a disappointment. Because standards
for attractive people are set lower, it allows them to achieve success easier, eventually resulting in
higher pay or promotions. Although appearance for certain people may not affect them in the
workplace, that is not deemed true for everyone. For

Netflix Vs. Netflix, Hulu, And Hulu
By the end of 2017, over 15.4 million people in the US will cut their cable. Who can blame them?
Cable hasn t evolved in last 10 years and cable is becoming increasingly more expensive annually.
Nevertheless, several individuals are still paying for cable, when we have streaming services like
Netflix, Hulu, and Amazon. Streaming services are a superior alternative to cable because they are
cost effective, more accessible, interactive, and uses an advanced algorithm to learn about the viewer,
and they don t have any commercials. Streaming services cost consumers about $12 a month,
including taxes and other fees. In contrast, cable cost my family approximately $130 per month
excluding taxes and other fess and cable is not getting cheaper any ... Show more content on
Helpwriting.net ...
Streaming services platforms are much more interactive compared to cable. The viewer can pause,
rewind or fast forward through the content; viewers can change the language if they demand. The
streaming services video player remembers the exact time the viewer stopped watching, so the viewer
can resume their program from where they were left off. Also, Consumers have the freedom to watch
anything from the streaming services diverse content catalog, and they can rate and write a review of
the shows and movies. Also, consumers can conserve their favorite shows and movies in my list
section to watch it later. Netflix, Hulu, and Amazon also offer far more than cable does. People can
watch a wide variety of movies, from comedies to documentaries, which may never air on the TV.
Netflix subscribers can also choose among a range of different TV shows as many times as they want,
even if it has been taken off the original channel it aired on (Binge or Bust? Netflix Vs. Cable TV 1).
Streaming services use an advanced algorithm. This algorithm collects data from the viewers to learn
about viewer s interest. As an example, let say the viewer just watched a comedy movie and if the
viewer gives the movie a positive rating, this algorithm will remember that and in the future, it will
suggest the same kinds of movies to the viewer. This same algorithm helped Netflix create their
original hit series House of Cards. In the

Personal Statement On The American Dream
The American dream is a well known phrase. Working hard is the key to being blissful and successful.
My personal American Dream is to be truly prosperous. True happiness for me would include
fortunate marriage, my dream career, an impeccable house, and two healthy kids. I heard my aunt say
this before and I agree wholeheartedly: Everything good in life is worth working for . In order to attain
my American dream I have set goals for myself. My first goal is to have a blissful marriage. A truly
blissful marriage to me would have trust, honesty, communication, love, and so much more. Of course
to achieve true happiness in marriage is forgiveness and being able to let go of the little things. In my
happy marriage, my husband would have to share responsibilities and at the same time, try not to
expect too much from me and I would do the same. In addition the ideal marriage for me would have
cuddling, sex, booty grabbing, laughter, vacations, and slews of hugs and kisses. Another important
thing to remember is no marriage is perfect. Furthermore my husband would never ever go to sleep
mad at me and he will always say I love you before leaving and before bed. Additionally, he will
remember to thank me, he will also think about what he says before he says it, and he will show that
he appreciates me and will never take anything for granted. With this in mind, making each other
happy is very essential in any marriage so I would ask myself what I can do to make my partner

Santo Domingo Research Paper
Staycation or vacation? These two types of past times for the holidays always have many people
playing this question. They weigh out the pro and cons to each one and try to figure out which would
befit their family the best. For people who live in Santo Domingo, Dominican Republic this question
always arises in different families because of the different situations Christmas brings to this capital.
People who live in Santo Domingo have to take into consideration if they stay the streets will turn
empty, they can count on good food for the holidays and the cost benefit. However, they also have to
take into consideration that just two hours away lies beautiful beaches the they could also spend the
holiday at though the beach would have many people and empty the money for one s pocket. Even
though many people vacation away from the city, a staycation in Santo Domingo provides a smarter
option for the holidays. To begin with, the obvious advantage shows up in the money saved in a
staycation. If a family stays at their house they save much money on housing otherwise gets spent on
hotels or rented apartments. This particularly shows up in the Dominican Republic since so many
tourist go there for vacation causing the price of ... Show more content on Helpwriting.net ...
This capital has a reputation for horrible traffic and right before holidays the traffic gets worse and
worse. Santo Domingo had the 2 highest traffic fatality in the world because of the crazy drivers and
foolish motorcyclist in 2010 D.R). With these people on the rode driving in this small, dense, capital,
driving usually becomes very stressful and dread on a daily basis. However, once the actual holidays
start the people completely disperse from this city and then the traffic lightens up and it becomes a
pleasure to drive instead of a misery. For this reason, many people should take the advantage of
driving with much few traffic and cars on a staycation in this

Essay On Greenhouse Gas Emissions
As emitter in chief Donald Trump pulls out of the Paris Climate Accord, the time has come for a top
down approach to reducing global greenhouse gas emissions. Jack Close explains.
Environmentalists are quick to sing out about New Zealand s excessive greenhouse gas emissions and
rightly so. In the large part, we are a gas guzzling, river polluting, plastic bag wasting country. But the
rules of international trade means cutting back on production in our worst emitting industry probably
won t work, or at least not yet.
New Zealand is the world s largest dairy exporter, making up about 35 percent of international trade
and sells nearly half of the world s traded lamb. Agriculture accounts for 5.1 percent of our GDP, and
directly employs 7 ... Show more content on Helpwriting.net ...
And we keep getting better at it in the last two decades, we ve reduced the amount of emissions per
unit of lamb, milk solids and beef by up to 33 percent.
If anyone should be producing dairy products, lamb, and beef, it should be us, right?
The NZ Agricultural Greenhouse Gas Research Centre uses the term leakage to describe what would
happen if we cut back on agriculture. If we reduce the amount of milk solids we export, for example,
people across the world will still want milk.
Instead, another country will seize the opportunity to fill the hole in the market, and feed the alley cat
that is global greenhouse gas emissions.
Not only will New Zealand be missing out on the revenue from those exports, but the countries that
attempt to capitalise on New Zealand s newfound environmental stewardship may not have anywhere
near the emission productivity that we do. Parts of Africa and South East Asia produce seven times
more methane per kilogram of edible protein than us.
In theory, we d be leaving the world in a worse environmental state than it was beforehand, and we d
be out of pocket.
Unless the whole world goes vegan, the demand for animal protein will only increase as exponential
population growth continues, with the United Nations expecting an extra 2.4 billion mouths to feed by
2050.
No country wants to lose out if they over commit to reducing climate change. There s a very good
reason the Government conveniently left off

David Callahan s The Cheating Culture
Americans have decided to trade in their dreams of a white picket fence, for the dream of white fenced
in mansions. No longer are people going to settle for the success of middle America. People want to
be at the top and they will do whatever they need to get there. This desire of luxury over moderation is
shown in David Callahan s book The Cheating Culture. In this example Callahan shows how Sullivan,
a newcomer to the elite business world, lets his desire for luxury to override his integrity. In the text
Callahan states Plans called for eight master bedrooms, nearly all with Jacuzzi bath. The gigantic
master suite featured his and hers showers and toilets, as well as a minipool. There was to be and
eighteen seat movie theater, a storage ... Show more content on Helpwriting.net ...
He started to deceive investors and his coworkers to keep the company profitable. When the scandal
was finally brought to light Sullivan lost everything. His desire to be on the top eventually made him
fall the whole way down. Sullivan was not alone in his behavior either. Also stated in Callahan s book
It was easy for Americans to hate Sullivan that August day. Enron s demise the previous fall had been
followed by months of shocking revelations about criminal greed in the executive suites of many
corporations (Callahan 100). The company Enron was another used as an example in Callahan s book.
Callahan explains to the reader that Sullivan was not alone in his act, but is joined by many other
corporate leaders that attempted the same route to prosperity. After a certain point in a persons career
there seems to be a point of no return. They are in the most elite social groups, live in lavish houses,
and are at the top of their respective corporation. Any movement would be downward movement and
seeing as many of these business people built their way to the top, they know exactly what the bottom
looks

The Jefferson County Egan Murders Summary
The book The Jefferson County Egan Murders is about the three Egan s who were murdered on New
Year s Eve in 1964. Barbara (age 24), Peter (age 27), and Gerald (age 19, and younger brother of
Peter) Egan were criminals. All of Jefferson County knew about them. The Egan s were burglars. They
were well known to the police, especially in Watertown. At this time, they were under investigation
for a string of burglaries. The police knew it was them, but knowing is not proving. Peter was wanted
for 13 car theft investigations. His license was suspended when he and Barbara got into a high speed
chase with police. Peter and Barbara switched spots, so she was driving, so Peter would not get
charged with driving without a license. This was a well known ... Show more content on
Helpwriting.net ...
Peter, Barbara, and Gerald were all shot twice in the head. However, Gerald was also shot in the right
hand as if he was pleading mercy. The way the bullet went through his left ear, it appeared that Peter
had turned around to look at the assailants and likely saw the murder weapon pointed at him. A major
suspect in the Triple Murder Egan Case is Joseph Leone. The Egans broke into his father s home and
stole from him. Leone knew it was the Egans and would not allow them to get away with it. Leone
told James Pickett that he was going to have to kill Peter Egan to keep him quiet and keep us all for
several years. However, Pickett did not believe that Leone meant what he said. Pickett said that Leone
told him he needed his assistance to lure the Egans to a rest area along the new interstate highway to
keep the Egans from being suspicious. James Pickett was the first to be arrested in the case, however,
he denied carrying out his assigned role in the conspiracy. He said he only became aware of the triple
homicide when a special bulletin was aired that night on Watertown s television station. Pickett said
Leone tried acting surprised when he told him about the murders, but Joseph knew that it was Leone.
Pickett claimed that Leone had admitted to the killings to keep

Richard III Soliloquy Analysis
Ellie Malchione ENGL 201 TA: Craig Eklund 19 October 2014 TITLE TK INTRODUCTION [300]
Thesis: PART I [300+400] Both plays begin with meta theatrical aspects that make the audience
acutely aware that it is watching a performance. In Richard III, these theatrical aspects come across in
the opening soliloquy by King Richard. In this soliloquy, Richard functions like a Chorus by neatly
framing the action to come. He sets the scene of the play by describing that the civil war has ended
and that peace has been restored under King Edward IV. But he also sets the tone and hints at what is
to come: Plots have I laid, inductions dangerous, By drunken prophecies, libels, and dreams, To set
my brother Clarence and the king In deadly hate the one against the other. (1.1.32 35) Much like a
Chorus prologue, Richard s speech summarizes what the audience ... Show more content on
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This direct address effectively reminds the audience of its relationship with the players on the stage:
they are not anonymous observers of an unfolding history but rather TK. As the Chorus continues its
preemptive apology, it degrades the performance to come by calling the actors flat unraised spirits and
the stage an unworthy scaffold. These degradations, furthermore, are part of a periodic sentence that
ends by calling the subject of the play so great an object. By delaying the object of the sentence in this
way, the Chorus heightens the grandeur of it, further emphasizing the difference/inferiority TK. The
apology serves to remind the audience of nature: performance is an attempt to replay history but one
that inevitably falls very short ... Having acknowledged the performance s shortcomings, the Chorus
then emphasizes the fact that the play is a performance that requires the audience s mental cooperation
in order to succeed. The Chorus calls upon the audience

The First Bubonic Plague Pandemic
Journal Article Review
The Initial Years of the Third Bubonic Plague Pandemic I believe that Echenburg was trying to tell us
of how the plague was spread throughout the countries, globally and how it even started. Echenburg
went very in depth in this piece of writing about the initial years of the third bubonic plague pandemic.
I personally thought that this happened just once, but that tells you how much I know. I also thought
that it took place in just one area, which it took place more than one time and more than one country
or continent, but all seven continents. The plague taught the world many new things and new
advancements in our medical world with new vaccinations that do and do not work. The third bubonic
plague pandemic is said to have killed up to 15 million people, with mass of those people were killed
in India, China, and Indonesia. It spread to every continent with a few years. Globally the plague was
a distinctive historical marker in the development of glaring health inequalities, because of the
nationalism in India, The Great Fire in Honolulu, the persistence of anti Asian prejudice in the United
States and Australia, the rise of apartheid in South Africa, and the growth of public health in Brazil.
Echenburg tells us that three things must happen in order for the plague to happen. First of all, there
needs to be many varieties of rodents and small animals like rabbits and such have to be all infected
with fleas. The most effective flea vector is the

72 Hour Hold By Bebe Moore Campbell Essay
Life is a daring adventure. Throughout the lifespan, one will encounter many rewarding and
challenging experiences. For example, during one s youth, balancing academics and maintaining
healthy relationships with both family and friends is perplexing. Nevertheless, imagine adding another
element on top of the boat load of responsibilities and expectations that growing up beckons mental
illness. In 72 Hour Hold by Bebe Moore Campbell, the main character, Trina, truly defines how much
of a rollercoaster life can be. As told through her mother s perspective, one will learn that Trina is a
eighteen year old female of African American decent and resides with her mother in Los Angeles,
California. Trina s parents, Keri and Clyde, provide their daughter with an upper/upper middle class
lifestyle due to her father s sudden successful career and her mother s successful resale clothing
business in Los Angeles. This well rounded and beautiful adolescent has recently graduated from high
school with high grades and was accepted to Brown University, however, due to her summer manic
episodes, Trina has not attended college yet. After her high school graduation, Trina began
experiencing manic episodes. These episodes consisted of Trina lashing out in various ways. Some
moments within the book described Trina as verbally and physically abusive towards her mother,
destructive by smashing glass cups, extreme paranoia, and wild nights out involving joints or alcohol.
In June, Trina was

The Shadow Of The Crescent Moon By Fatima Bhutto
The shadow of the crescent moon is a debut novel of Fatima Bhutto published by penguin publications
in 2013.
Fatima Bhutto was born in Kabul, grew up in Damascus, and lives in Karachi. She is a member of one
of the most famous families in Pakistan, Bhutto family a family that has produced two prime
ministers, her aunt Benazir Bhutto and her grandfather Zulfikar Ali Bhutto. In her debut novel she
talks about Pakistan s socio political issues. She doesn t only talk about the politics but has much more
to tell about the families relationships and all that stuff we are involved in. Mainly novel highlights the
issues like: war on terror its effects, Sunni s violence over Shia muslims the insurgency of tribal men.
The plot is not structured ... Show more content on Helpwriting.net ...
Pakistan is a country that demands a sacrifice from its people. ... And I don t know if that s specific to
Pakistan. I think any violent place demands a certain amount of sacrifice from its people. (Fatima
Bhutto)
Bhutto s novel is not just a portrait of Pakistan s dark days wrought by fundamentalism war on terror
but it also serves as a window of Pakistan s bright side. In the scenes set in markets, bazaars, dining
tables funerals we glimpse the Pakistani culture so vividly especially of Pakistani foods that we re
compelled to admire Bhutto s affectionate depiction of her homeland. Moreover her use of Pashto
Urdu words in novel shows her understanding affection with all the regions.
The Shadow of the Crescent Moon is a disturbing but very readable book that tells the story of Kings
(military political officials) Fakirs (people of FATA). Love hates, sincerity betrayal, loyalty treachery,
bloodshed peace, are at the heart of this very book. Though this is the imperfect but a worth reading
book which I highly recommend, because give the actual situation of the FATA, is a very daring work.
And probably, only someone coming from the Bhutto dynasty can afford to write about

The Prolonged Identity Crisis Economic Difference Of East...
Jessie Sisavat
Professor Agocs
History 114
May 3, 2015
The Prolonged Identity Crisis Economic Difference of East and West Germany
In February of 1945, the Nazi Germans got defeated and soon surrendered to the allied powers.
Germany s nation was split between the four allied powers: United States, Great Britain, Soviet
Union, and France. In addition, the capital city of Berlin was also divided amongst the Allied Powers
into four sections. However, tensions among the Western Powers and Soviet Union caused a shift into
a Cold War. In 1949, Germany and the city of Berlin got divided into two nations in which became
known as the West and East Germany. West Germany is known as the Federal Republic of Germany
(FRG) and is supported by the three Western Powers. East Germany is known as the German
Democratic Republic (GDR) and is governed by the Soviet Union. The Western Powers and the Soviet
Union created different philosophy within the territories that they governed. Each of the territory has
its own identity, economy outlook, and lifestyle.
East Germany and West Germany struggles to identify their social identity because of the
reconstruction of the German society guided by the Western Powers and Soviet Union. The GDR was
closely monitored by the Soviets and FRG was overseen by the Western Powers. As tensions increased
more and more during the Cold War, the major powers sought to form a national identity to the divide
not only Germany, but also the people. The German

Informal Counselling Styles
Secondly, telephone, email, and online counselling, are all types of informal counselling styles (Lester
and Rogers, 2013). There are many advantages for individuals who chose to seek guidance and
support through the use of informal counselling. Informal counselling can be extremely helpful for
people who do not have much money or people who have a demanding lifestyle (King et al., 2006).
According to Mariampolski, (2002) informal styles are easier to access, they are more affordable, are
flexible in regards to time, and they are genuinely more convenient for most people as many
individuals do not have time to attend sessions or group meetings. In addition, informal counselling is
entirely set up by the client, allowing them to access it at ... Show more content on Helpwriting.net ...
For example; according to Claringbull, (2010) for individuals who do not have a lot of money this
type of counselling can be exceptionally expensive also, there may be a limitation on transport. Clients
may live in remote areas, where they find it difficult to find counsellors and may not have any
transport to get to their sessions (Lynch, 1998).
Overall, the most suitable style of counselling in regards to this case study would be a more structured,
formal style of counselling. This is because the client has multiple issues, meaning that the client will
have a vast amount of mixed emotions and will need a counsellor s full attention. However, it is
important that the client receives counselling sessions that are local to her with a price she feels is

Disadvantages Of Tablet Computers
III EXECUTIVE SUMMARY Tablet computers are compact wireless mobile computing device which
is in the size of a book which replaces the use of computing devices. Tablet computers can let us
replace many things which computers can do. Other than surfing net, playing games for entertainment
tablet computers has developed to a higher level where it is used in corporate world too for business
purposes. However, definitely tablet computers also have both good and bad sides. Among the
advantages of tablet computers for travelling salespeople is rather carrying the heavy packed laptop
everywhere they go for business purpose , they can actually carry this hand held ... Show more content
on Helpwriting.net ...
Apart from tablet using a different operating and productivity system and input devices many of the
component contain within a tablet computer are similar to what is found in today s computer or
laptops. More tablets have only few physical buttons such as the power, back and volume buttons and
everything else can be made using our fingers which is on touchscreen. Tablet computers are most
oftenly and commonly used for browsing the internet, check e mails, browsing social media networks,
watch videos/music and many more other extra activities which why most people consider to use
more. It is also lighter in weight comparing to laptops hence it is most demanded and easier for
business travelling salespeople to use it as for their convienience for their business

International Finance
Question 1 a. The dollar is presently weak and is expected to strengthen over time. These expectations
affect the tendency of U.S investors to invest in foreign securities because the value of U.S dollar
decrease will lead to the U.S company get less profit and earn less money. Consequently, U.S
companies will pay fewer dividends for investors who invest in these companies. So, investors will
tend to invest in foreign securities where they can get higher dividend. On the other hand, a weak
currency can reduce unemployment but maybe it can lead to high inflation, and simultaneously it may
reduce U.S imports and boost U.S exports or buy more goods than it sells abroad (imports exceed
exports). Another thing, in the long run, trade deficits ... Show more content on Helpwriting.net ...
And when it is expected to strengthen against, owns or earnings from the foreign securities can
periodically be converted back to more dollars when they were sold. Question 2: In my opinion, a
financial manager of Chapman Co. recommends that it wait until the world stock market recover
before it issue stock. He is correct because this is the first time Chapman Co. engage in an initial
public offering (IPO). And IPO is very important so it is the first challenge for company to issue stock.
Consequently, when Chapman Co. waits until the world stock market recover before it issues stock,
this will make Chapman Co. s stock price increase according to the world stock marker recover, then,
Chapman Co. can gain more profit. Because at the beginning, Chapman Co. issued stock with initial
price, and the world market recover will make the Chapman Co. s stock price increases more than
initial price. Consequently, Chapman Co. gets more profit from IPO and can finance its international
expansion. On the other hand, if Chapman Co. follows the other managers to issue stock now even if
the world stock market s price would low, the Chapman s stock price would be low and tend to more
decrease according to weak world stock market. So the low stock price at this time will not encourage
people to buy. Moreover, the world stock market is still not recovered, the other companies stock may
also get problems and lead to decrease their stock price. And investors will

Essay on Child Development Observation
In this assignment I am going to describe a child observation that I have done in a nursery for twenty
minutes in a play setting. I will explain the strengths and weaknesses of naturalistic observation
through the key developmental milestones based in Mary Sheridan (2005) check list and provide a
theoretical explanation to support the naturalistic observation.
First of all I would like to explain why the child observation is important for social workers. It is
important because it focus on the problems that arise when a child s situation is not taken seriously
and consequently have harsh consequences for both worker and child (Climbié Report, 2002).
Observation is something that leads to formation of hypotheses and gives new insights ... Show more
At this stage, the child s thinking changes over time.
The observation made me reflect and discover the child s interests, I could assess his developmental
levels and I have observed what strategies were being used to attain their goals. After the observation I
reflected upon it and realised that I have learned a lot about their personalities and skills that they need
to practice.
Secondly, it is important to consider the strengths of naturalistic observation as a method. This was
identified when the child was consistently moving and doing different activities that allowed me to
understand how he communicates with other children, how he behaves and what he learns from
others. In the play setting the child was able to develop his thinking and according to the Framework
for the Assessment of Children in Need and their Families (DOH, 2000) through social relationships,
the child was encouraged to express his feelings, emotions, which was achieved by the setting creating
an enjoyment environment.
Cognitive developments allow the child to begin to understand and interact with the environment and
see things from the carer s point of view, adjusting behaviours accordingly and understanding that the
carer has goals and plans, therefore, and the relationship is seen as partnership. Cognitive skills are
necessary in adapting to the environment. As Hendey and Kloep (2002)

Essay about Introduction of HIPPA Standards for Employees
Using the Foundation of Knowledge Model, I would explain to the vice president that knowledge
acquisition, which occurs through education and research, occurred in our department during a
morning huddle, where HIPPA standards were first introduced to members of our department
(McGonigle Mastrian, 2012). Through an introduction of what HIPPA meant for healthcare providers,
staff learned that HIPPA meant confidentiality of protected health information ( Health insurance,
2013). This meant staff were to only access patient information for patients they were taking care of
and they needed to be cautious with whom and where patient information was discussed. All staff
were required to complete a learning module and pass the module and ... Show more content on
Helpwriting.net ...
Knowledge processing is the final step where knowledge is gathered or collected, perceived,
transmitted, and stored (McGonigle Mastrian, 2012). Staff gathered information about the importance
of HIPPA and the consequences of not following HIPPA. Knowing the importance and consequences
and what steps need to be taken to protect patient information, nurses are consciously aware of ways
to prevent violation of HIPPA. As new knowledge is acquired, techniques to prevent violation of
HIPPA will continue to arise and practice to prevent violation with continue to change to maintain
patient privacy.
Dear Vice President,
I would like to reassure you that my staff are very compliant with HIPPA. Since HIPPA was
introduced, staff have completed an annual HIPPA competency and signed a form stating their
understanding and willing to comply with HIPPA. It is evident that staff are taking measures to
prevent violations of HIPPA. In the hallways if a computer happens to be logged in with no user in
sight, staff members passing by will immediately log off the computer. Even though staff are
constantly reminded to never keep their computers logged in, there are instances where users are
logged in, yet they are no where to be found. We will continue to remind staff of the importance of
logging off. With the implementation of bedside reporting and interdisciplinary

Business Work
OCR Cambridge TECHNICAL (Certificate/Diploma) in IT
Unit 23 Database Design
P7: Explain how you have met the end user requirements
Task 7 (P7.1) Explain how you have met the end user requirements. Explain how the functionality and
operations work.
With Microsoft Access I have created a database. The Database has been made to help staff and
Equest systems to carry out then business sales operations effectively and efficiently. The Database
which I have created is a computer based Database; it is produced for EQuest System. In this Database
you can discover that I have made it easy so it user friendly. Firstly I have created tables; the first table
which I have created is a customer table. In this table there is information ... Show more content on
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The logo in each of the different forms should be in the top right hand side and the font size should be
the same (size 11) | All of the customer s with their data shows and can then be edited | There was no
need to take any action as the report works | Reports | Labels CustomerTBL | This report needs to
match the address labels from my customer table. In a report view. | The outcome of the test was that
some address labels did not match | I fixed the errors which were shown on the outcome of the test. |
Navigation | Testing the Next form buttons | The buttons that allows the user to go to the next record |
All of the buttons within this database which allows the user to go to the next record works as it is
designed to do | No action is needed from the outcome of this test. The buttons responded correctly. |
Switchboard | I am testing if the button which closes the application Microsoft Access | The option on
the main menu part of the switchboard Exit Access | It closed the whole application | No Actioned
need for this test. | | I am testing the Close Equest Database button | I am expecting the Button to close
the Database | The outcome was when I pressed this button it closed the whole MS Access Application
| I need to make a Macro that will Exit Access on command. and delete the original macro which is
already on the button I do this by modifying in the

The Success Of The Great Crash
Generally, there was a calm period of the economy known as the Great Moderation where Central
banks around the world claimed that it was due to increasingly competent use of interest rate policy
(Garnaut, 2009). However, it was not long until the market failure makes its way into the economy in
2008. The period was known as the Great Crash where combination of several failures in the economy
contributed to the collapse.
The Great Crash
Real estate had significantly grown in popularity because as it is considered as a good consumption as
well as investment (Malpezzi, 1990). Financial institutions start to offer easy credit to many, including
the non credit worthy ones, mainly the underprivileged. Credit history, financial ability and ... Show
more content on Helpwriting.net ...
Unfortunately, the opposite happens, where payments increase sharply coupled with decrease house
value leaving the subprime borrower in dire position to meet monthly payments (Ebrahim, 2009).
Thus, due to negative equity, many defaulted as they do not have any option causing a domino effect
in the economy (Ebrahim, 2009). The property became an underwater investment triggering further
strategic default (Foote, et. al., 2008) mainly by the prime borrowers. The house value became lower
than the loan value at this time of the economy, spreading more defaults as borrower felt that it is not
worth to continue payment.
The Economic Collapse
The effects of subprime mortgage were horrendous, as it causes domino effect in the entire chain. The
risky ARMs loan had become a toxic debt, causing financial fragility (Ebrahim, et. al., 2014) which
leads to economic collapse. There were too many debt in the economy and financial institutions starts
to fall out. Large financial institutions in the United States like Bear Stearns, Merrill Lynch, Goldman
Sachs, Morgan Stanley and Lehman Brothers, were either taken over, bailed out by the government or
went bankrupt (Wikipedia, 2015). The collapse of Lehman Brothers and government s refusal to bail
out had been the starting point for extraordinary downturn in global economy (Garnaut, 2009).
Stemming from that, financial institutions now believe that no one is safe. Government

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