Bank Bailout 2008

Bank Bailout Outline I. Presentation II. Foundation III. Opposition’s point 1, discredit, first help for proposal. a. Mastercard Act of 2009 b. No Change by any means, Banks despite everything working a similar way IV. Opposition’s point 2, invalidate, second help for proposition. a. Production of TARP b. $12. 2 trillion dollars of expense dollars were spent wrong c. Canvas permitted numerous banks to permit credit again d. A lion's share of banks have taken care of TARP cash e. After TARP, Economy supported V. Opposition’s point 3, discredit, third help for proposition a. Poisonous resources can't be evacuated effectively b. Government takes more cost, at that point expects c.Economy will decrease with expulsion of advantages VI. fourth help for theory a. Expanded national obligation b. Government officials had to sign this bill c. No taking care of issues â€Å"Let’s trust we are for the most part well off and resigned by this place of cards faltersâ₠¬  (Bloomberg, 2007). The acknowledge emergency is known as the â€Å"House of Cards†, for a considerable length of time the financial business has changed numerous American lives, which has brought about a problematic economy. Numerous elements prompted the acknowledge emergency, for example, the ascent and fall of the lodging market, and incorrect FICO assessments assisted with making the sub-prime home loan emergency (Issues and Controversies, 2010).Low financing costs grew simple credit, in which individuals could get a home loan and Mastercards dependent on erroneous FICO scores with the formation of sub-prime home loans. Individuals can claim a home, with no initial installment or fixed pay. In August of 2007, the United States started lost trust in securitized contracts, which brought about the Federal Reserve infusing $20 trillion dollars into the budgetary markets to facilitate the circumstance (â€Å"Obama Sends Warning to Big Banks, 2010).The most significant inq uiry to be replied in the decade is â€Å"How lost $500 billion dollars from the sub-prime home loan brought about a $20 trillion dollar misfortune in value esteems and a whole stun to the world’s money related system† (Woellert and Kopecki, 2007). The United States government ought not have given the budgetary organizations bailout cash, in light of the fact that money related foundations utilizing provisos in the framework to exploit their customers, monetary establishments tasks have remained the equivalent, and the government’s conviction of a tree advertise economy conflicts with the bailout.The credit emergency is a â€Å"worldwide money related disaster, which coming about because of sub-prime home loans, Collateralized Debit Obligations, Frozen credit markets, and credit default swaps† (Jarvis, 2009). The credit emergency unites two individuals, individuals on Main Street and financial specialists. The individuals on Main Street speak to their hom e loans or houses, while financial specialists speak to their cash, which additionally speaks to enormous establishments, for example, annuity reserves, insurance agencies, common assets; sovereign assets (Jarvis, 2009). These gatherings brought through the monetary framework, made out of banks and representatives on Wall Street.As a consequence of the September eleventh assault, Chairman Allen Greenspan brought loan fees just down to 1%, to permit credit to stream; nonetheless, speculators have a low degree of profitability (Snow, 2008). By bringing down loan costs, it takes into consideration banks to just get cash from the Federal Government for 1% in addition to the surpluses from the Asian and Middle East market, which makes getting cash simple for banks and to permit influence (Adding up the Government’s Total Bailout Tab, 2009). The meaning of influence is, â€Å"borrowing cash to intensify the result of a deal† and is a significant way banks bring in their cash (Princeton University, 2010).Wall Street takes out a dominant part of advances and uses influence for their potential benefit, and a substantial progression of capital comes in. In which return, they take care of their unique venture. The speculators notice that Wall Street is bringing in cash quick, and they need to make another item to offer to Wall Street. The home loan interfaces the home purchaser with a home loan moneylender on Wall Street who gives them a home loan, which is incredible in light of the fact that lodging costs all through America have been rising (â€Å"Bailed out banks†, 2010).The home loan specialist gets a call from a venture financier who needs to purchase the home loan; and the loan specialist offers it to him, and the speculation intermediaries purchases a huge number of home loans. Consistently the venture investor gets the installments from all the home loans that he bought from the case and cuts the container into three cuts â€Å"Safe, Ok and Risky†, and afterward he packs the cuts into the case and considers it a Collateralized obligation commitment or â€Å"CDO† (Woellert and Kopecki, 2007).However, covetousness has ascended to the speculation broker and wants’ more home loans; be that as it may, the bank doesn't have additional home loans to sell, since each and every individual who has equipped for a home loan as of now has one; and the introduction of the sub-prime home loan is conceived. With a standard advance, the property holder needed to demonstrate his of a home, for example, work, great standing resident, and resources. In any case, with a subprime contract, it was fundamentally similar to free cash. The individual didn't need to express their pay, nor demonstrate that you had a job.The venture financier and the loan specialist are facing a challenge, in such a case that a property holder defaults on their home loan, the bank gets the house and sells the house for a benefit since home est imations have been expanding (Issues and Controversies, 2010). While home estimations have been expanding, American livelihoods have been plunging for a considerable length of time; and on account of sub-prime home loans, the individual didn't need to demonstrate salary, an individual with a $30 thousand dollar pay; could claim a $300 thousand dollar home. Numerous individuals defaulted on their home loans, and dispossessions have been on the ascent. In the United States, dispossessions were up 81% in 2008 and up 225% from 206†, which equivalents out to 19 for each 1,000 families (CBS News, 2008). Due to there was a tremendous increment in dispossessions, rather than lodging costs expanding; the houses esteems diminished in esteem rapidly and brought about more abandonments. A $300 thousand dollar contracts was currently just worth $75 thousand dollars. So all the home loans that was in the speculation investor CDO, presently are useless, and nobody wants’ to take the C DO, and now the CDO is acting like a bomb (Roney, 2007).The venture broker is currently terrifying in light of the fact that he obtained a great many dollars to purchase the home loan, and now he can't dispose of it; anyway he isn't the one and only one. A huge number of speculation investors all through the world have CDO’s on their hand (Bailed out banks, 2010). In result the world’s money related framework has gotten solidified, and everybody begins failing. Because of the disappointment, the United States government reveals another program called Troubled Asset Relief Program (TARP) to forestall another bank failure.Under the bank bailout, production of new enactment to ensure the shopper has quickly expanded, and supporters of the bank bailout point to the Credit Card Act of 209. Not exclusively were subprime contracts influenced, however because of the freeze in the credit advertise in the United States government required an approach to direct the Visa business, yet additionally to animate spending. Under the Credit Card Act of 2009, they require the money related foundations to give the cardholders 45 day’s notice of any loan fee change and monetary organizations are precluded from utilizing misdirecting terms, for example, â€Å"prime or fixed rate† (The White House, 2009).With this enactment set up, it shields the customer from a significant number of the tricks that the home loan industry utilized as lure to get customers into purchasing houses they couldn't manage, utilizing the subprime contracts (Roney, 2007). Yet in addition it considers Congress to grasp new guidelines put on the monetary foundations. The Credit Card Act of 2009 that has become some portion of the well known bank bailout, notwithstanding, it has been appeared to ensure the shopper, and Congress will control the new standards set on money related institutions.For model, â€Å"there is no top on the loan fee the Mastercard organizations can chargeâ₠¬ , and keeping in mind that Visa organizations can't expand you financing cost yet just in the event that you are late on an installment, â€Å"However future buys loan costs can be raised with no reason† (White, 2010). The Visa organizations can raise the loan cost on any buys, while they should in any case inform you of the higher financing cost, the expanding of the financing cost can occur at any time.This is the very same estimates the money related foundations have used to deceive their purchasers and â€Å"kick them when they are down† and â€Å"corrupt the working class of America† (White, 2010). How the subprime contract blasted, needed to originate from the terms that a large number of the normal shoppers can't comprehend, and a significant fallout of the subprime/credit emergency, happened when numerous individuals defaulted on their homes and Visas (Roney, 2007).Then the home loan and home won't exist for the family any more, and the Mastercard org anizations will expand their financing cost enough with the goal that the card holders won't have the option to pay their Mastercard/contract. In which then the money related organization dogs them and assaults them at their center roots and even calls other relatives to alarm them of the card holder budgetary issues since they can't take care of their tabs. The banking and money related organization have not taken any activities to keep another credit emergency from happening again.Supporters of the bank bailout, generally alluded to as TARP, contend that the bailout cleaned all the awful poisonous resources (CDO’s) which were gathered as aftereffect of the credit emergency and kept the advantages from harming the monetary foundations. The significant beneficiaries were Freddie Mac; and Fannie Mae. Both were government claimed undertakings which purchased a lion's share of the sub-prime home loans (Roney, 2007). Expelling the ba

Information Technology; How It Affects Our Lives Free Essays

Alongside the headways of humanity, albeit some may differ it isn't innovation, the message became he phone; the phone turned into the PDA and; wired administrations got remote (pallbearer, college of Phoenix, 2012). It Is an interesting idea that an individual can go to the most distant scopes of earth, yet into space also, and still we can impart data to those on board the International Space Station, or hand-off data to the Hubble Space Telescope, to search for specific articles in space. By and by I think that its interesting; the capacity to speak with loved ones around the globe, the primary expressions of a youngster, seen or heard using sound r video gadgets. We will compose a custom article test on Data Technology; How It Affects Our Lives or on the other hand any comparative subject just for you Request Now Innovation, with it should simply offer, a key component to our future and the eventual fate of our kids. It Is presently conceivable through both sound and visual assistance, and the presentation of PCs, understudies are learning at a to some degree progressively equivalent pace. Kids at home, giving the home makes them use, a PC or even a handheld gadget, are learning the letter set and numbers at a prior age. Yet to state that even numerous computer games the youngsters play utilizing this innovation, assists with creating eye-hand coordination. Data shared between experts In the deiced Industry, both present and past doctors Is incredible as It can decide how a patient may recuperate from a sickness, or partners can investigate a similar data and analyze a patient. Innovation and every one of its headways are valuable in the fields of medication and science and help to spare lives. Through close to home perceptions and research material it is very evident that numerous individuals have become or are getting increasingly reliant on the web and data innovation. We have a need to have contact each waking second with our 964 companions on the web. We want to sit home with our youngsters and investigate the web rather than the outside world. While Information Technology is a key component to our future, unreasonable time squandered can bring about physical and emotional wellness dangers; too hurting us socially and financially. With the presentation of Information Technology, numerous individuals are ending up without Jobs to go to tomorrow. Financially a few significant partnerships are shutting their entryways, as there are numerous spots one can access on the web to buy merchandise, for example, digital books; computerized downloads of films, music and TV; one can even utilize buying their week by week staple goods and having them all conveyed to the doorstep. Data Technology, albeit valuable in the field of instruction, has likewise had some significant disadvantages. Understudies have increased a tremendous measure of information from the web, which whenever looked appropriately can help in the student’s instruction. Anyway what has happened is that ‘Plagiarism’ has indicated an expansion after some time too. Rather than using time shrewdly, numerous understudies are known to have done nothing on their articles except for reorder data another person may have endeavored to acquire to get a reasonable evaluation themselves(What is Plagiarism? , 2012).. Copyright infringement is by a wide margin by all account not the only type of robbery that happens in data innovation either. Robbery including illicit downloading of books, sound and video documents has additionally expanded after some time. Numerous retailers have lost income because of next to zero deals in the market for CDC, DVD’s, and book deals. In any case, here, a portion of that lost income comes from sites that offer downloads for a lesser expense, than it is drive to a neighborhood retailer. The most noticeably awful part in robbery of data in the innovative viewpoint is the burglary of individual data. Everything from a solitary charge card or financial balance number to finish personalities are taken and sold on the underground market and in tremendous amounts each day. People’s lives are demolished. There is no trust in one another any longer. More regrettable yet, a portion of this taken data may occur on a significant scale. Without the correct state-of-the-art security programming, TX Max had data taken concerning various client accounts. This made migraines for the shopper, yet think the amount it cost TX Max after some time. They needed to burn through a large number of dollars to initially remunerate the misfortunes; plan and actualize a superior security program; go through cash in promoting, persuading existing shoppers, however future clients also, this break of security could never happen again (Essentials of Management achieved from the solace of your preferred seat, couch, or lying in bed, with gadgets, for example, a PC, remote console (utilizing your level screen TV as a screen) or your mobile phone. With the presentation of social sites, an embrace is currently a jab; pictures are sent by means of, again from the mobile phone for the whole world to see and offer. Composing letters and sending them to companions and family members, additionally is affecting us adversely. Over-reliance on Information Technology, in light of people’s idleness, can bring about physical and emotional wellness dangers. Sitting at a PC work area a lead to genuine medical problems right off the bat in existence with corpulence recorded as number one. In light of 52 free investigations, there is by all accounts measurably, a connection between body bloatedness and TV seeing among kids and young people, because of the expansion of inactive recreation exercises. With the expanded utilization of data and correspondence innovations, so has heftiness in the two youths and kids, arrived at another high over late years. â€Å"This study affirms that the worldwide pandemic of overweight and the utilization of new innovations might be connected marvels: weight tutus is related with PC and perhaps mobile phone use (Lacunae, H. Looks for Reawaken, A. , Plinking, L. , Rose, R. J. , Risen, A. , Capri, J, 2007). † Other dangers may incorporate diabetes, hypertension, squeezed nerves, and even decay of the muscles for absence of activity. Investing an excess of energy in the web can bring about too little rest in the two grown-ups and adolescents. Psychological well-being can crumble, despite the fact that we think we are picking up somet hing and making strides. By remaining alert the entire hours into the night and denying ourselves of required rest, it makes it basically difficult to completely work the following day. Intellectually, we can be influenced likewise in light of the fact that the greater part of the appropriate responses we scan for, are given to us; again all with next to zero exertion, genuinely or intellectually. â€Å"Using electronic gadgets before sleep time was normal, with 60% on normal by and large sitting in front of the TV, 39% utilizing PDAs, 36% workstations or different PCs, 21% telephone, 8% computer games, and 29% music gadgets. Gadgets intended to make life simpler and all the more engaging frequently make us sleepier, as indicated by the most recent survey by the National Sleep Foundation (Kathleen Doyen, 2011). † Having 964 companions on some social site must mean a certain something. We are investing so much energy attempting to get up to speed with their updates, while examining that school paper; downloading the most recent music; viewing our preferred TV appear; at the same time denying ourselves from a genuine embrace and kiss; falling asleep at the console; and maybe sooner than later; ending up in the medical clinic with a blood coagulation in the correct leg before we have arrived at the age of 25. Despite the fact that the Information Technology has many real uses, many have gotten dormant because of over the top time squandered before the PC, on the telephone, or sending writings through a cell phone; in this manner we ought to preclude the time we spend in doing these things. Timeframes ought to be appointed for all individuals from the family unit to dispense with medical issues or mental pain. Get some much needed rest as a family and go through a couple of days at the recreation center or strolling along the sea shore front if that is conceivable. In the event that a Job’s necessities are to sit the entire day before the PC screen, go outside during a mid-day break or quick rest. Natural air will benefit you. It is ideal to have chances to shop on the web, yet by going out, you get outside air; and whatever it is you wish to buy, by being very close goodness get the chance to feel, see, and potentially hear it before you get it. The most effective method to refer to Information Technology; How It Affects Our Lives, Papers

How to Write the Common App Essay Prompt #7, 2019-2020 TKG

How to Write the Common App Essay Prompt #7, 2019-2020 Hello. We made it and we’re back with a final blog post on the 2019-2020 Common App prompts. We’ve analyzed and dissected all of the other Common App essay prompts from this year for you, so we’d highly recommend reading those posts if you haven’t already read them. But let’s get right to it because Prompt #7 is our personal favorite. 7. Share an essay on any topic of your choice. It can be one you've already written, one that responds to a different prompt, or one of your own design.We know. It’s a lot. It’s open, it’s non-specific, and it’s unguided. And that’s exactly why we love it. We want to break it down for you and help you on your journey to a completed Common App by taking you through exactly how to answer this question, step-by-step. We promise it’s not that complicated. Follow our yellow brick road to that green check mark next to “Writing” on the Common App below and you’ll find that you’re excited about and done with your essay. We’ll tak e you through how we tackle this question with each of our students below.TKG’s Three Pre-Writing Steps:Step 1: Resist the urge to submit something you’ve already written. We know it’s *technically* allowed because they literally wrote “it can be one you’ve already written,” but trust us, that creative writing piece that got you into the UPenn Kelly Writers House summer program is not going to cut it for this. We need something new, fresh, and exciting. Step 2: Get your brain out of the world of 5-paragraph essays.It’s kind of insane to us that we’re only taught to write one type of essay for literally our entire education. We’re going to save you some time: it needs to be thrown in the garbage when it comes time for college admissions essays. Rid your brain of the topic sentence, the transition sentence, and the thesis. That’s not where we live now. We’re going to write a story with a beginning, a middle, and an end (though not necessarily in that order). Not an essay. When we explain this to students, they get defensive because a 5-paragraph essay is all they’ve ever known. But it’s structured and rigid, which is exactly the opposite of what we want the admissions reader to feel when they read your college essay. Step 3: Have fun.Get into the headspace of easy, fun, and authentic. Your reader is already on your sideâ€"you don’t need to prove anything or defend the story that you’re presenting. Take a couple of hours and go watch Finding Nemo. It’s a great story. If you don’t know it, it’s the story of a fish-child named Nemo who is raised by a single dad. Nemo gets lost and his dad goes on a wild adventure to find him. His dad makes friends along the way and ultimately finds Nemo. Their collective community and support network is stronger as a result of his journey. We all clap. Nemo’s dad didn’t need to prove that Nemo was lost. He was just lost, and his dad had to find him. The story was in the journey. That’s what your essay is. A paragraph is just a paragraph about exactly what it’s about. Nothing more, nothing less. Take a breath. Let’s continue onto the writing portion of this process. TKG’s Three Phases of Writing:Phase 1: BrainstormingWe complete the brainstorm phase in different ways with different students. Complete these writing prompts (don’t overanalyze word count, sentence structure, or grammarâ€"just write). Here are some options:  You’re hosting a dinner party with 6 guests. Who are you inviting and what’s on the menu? Every day when you get home, you rant to your pet about how your day was. You just had a horrible day, were in the middle of your rant, and all of a sudden it started talking back to you. What did it say?You have a whole day to yourself with no budget or rules. How are you going to fill your day, from start to finish? Starting withâ€"what time will you wake up? Tell us everything. Would you rather be feared by all or loved by all? Explain.You’re leav ing your house with one item and you can’t ever return. What’s the item and why?Make a list of the things that make you happy. Nothing is too small.Make a list of the things that make you unique. Nothing is too silly.Text three friends and ask them to describe you in three adjectives. Talk to them about examples of when you displayed these characteristics and why. Ask your family, too.  We want to emphasize this last point before moving on. This process cannot exist in a vacuum. We encourage you to talk to your friends and family throughout your brainstorming process to get an idea of how you operate in this world. We have no doubt that your family has stories about you that you might not immediately remember that could lead to great essay topics. These are all meant to get you into a creative and calm headspace and to provide yourself with an abundance of content.Phase 2: Writing  Pick something from the above brainstorming process that is simple, straight-forward, and speaks to you. Remember: you have nothing to prove. A great story isn’t necessarily defined by what happens, but rather by how it’s told. The simplest story is often best because it leaves the most room for creativity. So, we guide our students towards choosing something that is small to expand upon that highlights something crucial about their personality. For example, your breakfast ritual, your love of dogs, how your friends rely on you for sage advice, treasured alone time. Think small and bring the reader deep. Use your word count to include strategic and compelling details as opposed to explain to the reader the context of the event or story.Looking at the contents of your brainstorming efforts, there should be a few options at this point. When you do the brainstorming work, which includes having conversations and asking questions to those around you, what matters becomes clear rather quickly. Always keep your reader in mind when you’re writing. Your reader, in this case, is a person who probably isn’t more than 10 years older than I am (my picture is right next to this post, for reference). They’re also incredibly bored by 96% of essays and are begging to be jolted out of the mental fog that forms after reading 133 essays about a “revelation that occurred during a volunteer trip to [insert country here].”Phase 3: Re-writing, editing, and editing moreDon’t be afraid to play with form once you understand the story that you want to tell. If you see your life as a movie, write a scene. See how it feels. Put it down and re-visit your essay tomorrow. There’s no rush (unless you’re reading this on October 30). It’s going to look different and call for more of this and less of that. Keep tweaking it. You can also write more than one essay. Very little is wasted in this process because nearly every sentence or paragraph can be re-purposed for somethingâ€"a supplement, the additional information section, your resume…the list goes on. We know that this can seem overwhelming, but know that if you follow these steps and take the time to have some great conversations, you will find yourself with a great essay topic. If you still feel stuck, we have lots more to say on this topic. Any essay that is genuine, thoughtful, and well-written is going to knock the admissions readers’ socks off. You’re great! Now get writing.  And as always, let us know if you have any questions or want us to help you brainstorm. That’s why we’re here.

Biography of Thomas Jefferson, Third U.S. President

Thomas Jefferson (April 13, 1743–July 4, 1826) was the third president of the United States, after George Washington and John Adams. His presidency is perhaps best known for the Louisiana Purchase, a single land transaction that doubled the size of the United States territory. Jefferson was an anti-Federalist who was wary of a large central government and favored states rights over federal authority. Fast Facts: Thomas Jefferson Known For: Third president of the United States; Founding Father; drafted the Declaration of IndependenceBorn: April 13, 1743 in the Colony of VirginiaDied: July 4, 1826 in Charlottesville, VirginiaEducation: College of William and MarySpouse: Martha Wayles (m. 1772-1782)Children: Martha, Jane Randolph, Unnamed Son, Maria, Lucy Elizabeth, Lucy Elizabeth (all with wife Martha); a rumored six with his slave Sally Hemings, including Madison and EstonNotable Quote: The government is best that governs least. Early Life Thomas Jefferson was born on April 13, 1743, in the Colony of Virginia. He was the son of  Colonel Peter Jefferson, a planter and public official, and Jane Randolph. Jefferson grew up in Virginia and was raised with the orphaned children of his fathers friend, William Randolph. He was educated from ages 9 to 14 by a clergyman named William Douglas, from whom he learned Greek, Latin, and French. He then attended Reverend James Maurys School before matriculating at the College of William and Mary. Jefferson studied law with George Wythe, the first American law professor. He was admitted to the bar in 1767. Political Career Jefferson entered politics in the late 1760s. He served in the House of Burgesses—the legislature of Virginia—from 1769 to 1774. On  January 1, 1772, Jefferson married  Martha Wayles Skelton. Together they had two daughters: Martha Patsy and Mary Polly. There is also speculation that Jefferson may have fathered several children with the slave  Sally Hemings. As a representative of Virginia, Jefferson argued against British actions and served on the Committee of Correspondence, which formed a union between the 13 American colonies. Jefferson was a member of the Continental Congress and later was a member of the Virginia House of Delegates. During part of the Revolutionary War, he served as the governor of Virginia. After the war, he was sent to France to act as a foreign minister. In 1790, President Washington  appointed Jefferson to be the United States first official  Secretary of State. Jefferson clashed with Secretary of the Treasury  Alexander Hamilton on how the new country should deal with France and Britain. Hamilton also desired a stronger federal government than Jefferson. Jefferson eventually resigned because he saw that Washington was more strongly influenced by Hamilton than himself. Jefferson later served as vice president under  John Adams  from 1797 to 1801. Election of 1800 In 1800, Jefferson ran as the Republican nominee for president, with  Aaron Burr  as his vice president. Jefferson ran a very contentious campaign against John Adams, under whom he had previously served. Jefferson and Burr tied in the  electoral vote,  leading to an electoral controversy that was ultimately resolved in Jeffersons favor by a vote in the House of Representatives. Jefferson took office as the countrys third president on February 17, 1801. Thomas Jefferson called the election of 1800 the Revolution  of  1800 because it was the first time in the United States when the presidency passed from one party to another. The election marked a peaceful transition of power that has continued to this day. First Term An important early event during Jeffersons first term in office was the court case  Marbury v. Madison,  which established the Supreme Courts power to rule on the constitutionality of federal acts. From 1801 to 1805, America engaged in a war with the Barbary States of North Africa. The United States had been paying tribute to pirates from this area to stop attacks on American ships. When the pirates asked for more money, Jefferson refused, leading Tripoli to declare war. This ended in success for the United States, which was no longer required to pay tribute to Tripoli. However, America did continue to pay the rest of the Barbary States. In 1803,  Jefferson purchased the Louisiana territory  from France for $15 million. Many historians consider this the most important act of his administration, as the purchase doubled the size of the United States. In 1804, Jefferson dispatched the Corps of Discovery, the expedition party famously led by Meriwether Lewis and William Clark, to explore the new territory Reelection of 1804 Jefferson was renominated for the presidency in 1804 with George Clinton as his vice president. Jefferson ran against Charles Pinckney from  South Carolina and easily won a second term. The Federalists were divided, with radical elements leading to the partys downfall. Jefferson received 162 electoral votes and Pinckney got only 14. Second Term In 1807, during Jeffersons second term, Congress passed a law ending Americas involvement in the foreign slave trade. This act—which went into effect January 1, 1808—abolished the importation of slaves from Africa (it did not, however, end the sale of slaves within the United States). By the end of Jeffersons second term, France and Britain were at war and American trade ships were often targeted. When the British boarded the American frigate  Chesapeake, they forced three soldiers to work on their vessel and killed one for treason. Jefferson signed the  Embargo Act of 1807  in response. The legislation stopped America from exporting and importing foreign goods. Jefferson thought this would have the effect of hurting trade in France and Great Britain. It ended up having the opposite effect and did more damage to America. Death After his second term in office, Jefferson retired to his home in Virginia and spent much of his time designing the University of Virginia. Jefferson died on July 4, 1826, the 50th anniversary of the Declaration of Independence. Legacy Jeffersons election marked the beginning of the fall of federalism and the Federalist Party. When Jefferson took over the office from Federalist John Adams, the transfer of power occurred in an orderly manner, setting a precedent for future political transitions. Jefferson took his role as party leader very seriously. His greatest achievement was perhaps the Louisiana Purchase, which more than doubled the size of the United States. Sources Appleby, Joyce Oldham.  Thomas Jefferson. Times Books, 2003.Ellis, Joseph J.  American Sphinx: The Character of Thomas Jefferson. Alfred A. Knopf, 2005.â€Å"Thomas Jeffersons Family: A Genealogical Chart.† Thomas Jeffersons Monticello.

Freedom And Learning The Philosophy And Theory Within...

Freedom is the most important condition in almost any aspect of life. Freedom in itself is a main issue in human affairs. History is full of movements and protests of different people from different walks of life at all social levels, who were looking for freedom in various aspects of their lives. Learning is amongst those issues which has always been a hot topic in the literature of freedom. As Lankshear argues: â€Å"Freedom and learning have been linked in educational philosophy and theory within the western tradition since the time of the Greeks, and was especially significant in Anglo-American educational debate throughout much of the twentieth century.† Association of American Colleges Universities (AACU) mentions that: â€Å"The academic freedom implies not just freedom from constraint but also freedom for faculty and students to work within a scholarly community to develop the intellectual and personal qualities required of citizens in a vibrant democracy and participants in a vigorous economy.† My philosophy of education is embodied in a set of principles based on a combination of my experience as a student and as a teacher. These principles are neither exhaustive nor entirely mutually exclusive but represent in summary fashion what I consider to be the key ingredients of effective teaching and effective learning. I believe for both teachers and students, academic freedom is the most important part of education. The aim of education isShow MoreRelatedGreek Philosophy And The Greek Creation1593 Words   |  7 Pages The word â€Å"philosophy†, comes from the Ancient Greek word (Phileo), meaning â€Å"to love† or â€Å"to befriend† and (Sophia), meaning â€Å"wisdom†; making philosophy stand for â€Å"the love of wisdom†. Philosophy is about understanding the fundamental truths about ourselves, the world in which we live in, and our relationships to the world and amongst each other. It is the study of general problems connected with existence, values, language, and mind. Those who study philosophy (philosophers), engage in askingRead MoreEssay about Philosophy and Education: From Elitism to Democracy1999 Words   |  8 PagesPhilosophy and Education: From Elitism to Democracy ABSTRACT: From its first appearance in western culture, philosophy has been considered able to build up reality, to educate people, and to disclose truth. Plato proposed philosophers as governors in life-long pursuit of philosophical learning. 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Deafness - 805 Words

As a group we all learned about the positive and negatives of what is offered for people who are dealing with deafness/ hard of hearing in the San Diego County. For starters, Deaf people are members of a small and close-knit community. The shared sense of community brings deaf people together in ways that are enriching and rewarding. For example, because many deaf people have friends across the country, they are avid travelers. Often they travel for activities such as the National Association of the Deaf conference, deaf softball and basketball games, and other well-attended events. Rare is there a deaf person who hasnt left his or her state. Just as there are deaf people all over the world, there are international clubs and events as†¦show more content†¦We were surprised to learn that as educators and service providers work to improve their understanding of multicultural issues and their own intercultural competence, their courses, text-books and even life experiences, do not often include or recognize the American Deaf communi-ty as a distinct linguistic and cultural group. For the deaf individual this means, unfortunately, that every time they engage in a service system, the chances are high that they will encounter a complete novice who has no experience working with the deaf and no understanding of the com-plex communication and identity issues that pervade the â€Å"Deaf-World†. Furthermore, the chances are good that the hearing professional will hold a â€Å"pathological† or â€Å"disability† view of deafness, as opposed to a â€Å"cultural view†, which is how deaf people view themselves. Mami was surprised to learn that there are deaf people with multiple disabilities. They have several disabili-ties, such as mental retardation, learning disabilities, ADD/ADHD, visual impairments with hearing loss. This is why we need to create a team to create the appropriate education plan for deaf children with multiple disabilit ies, which consist of parents, teachers, support personnel, etc. Not only must health care providers, social service providers, and the educational systemShow MoreRelatedThe Is A Cure For Deafness1090 Words   |  5 Pages ​​​​Imagine a life without hearing, waking up everyday in silence. Would you embrace your deafness, have a hearing aid, or have a cochlear implant? Surely, all of these options are personal preferences; however, one is better than the others: the cochlear implant operation, in a way, is a cure for deafness. 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Even in the not so distant past, the future was typically very bleak for individuals who were born or became deaf. However, the future of an individual who is Deaf has become much brighter due to the development of American Sign Language. As the name describes, this language relies solely on visible movements and facial expressions with no auditoryRead MoreDeafness And Other Communication Disorders984 Words   |  4 Pagesfive senses often take for granted their ability and sometimes even marginalize people who do not have the same abilities. This research paper will focus on the issues that those who cannot hear face every day. According to the National Institute on Deafness and Other Communication Disorders â€Å"2 to 3 out of every 1,000 children in the United States are born with a detectable level of hearing loss in one or both ears...and one in eight people in the United States (30 million) ... has hearing loss in bothRead More Tone-Deafness Essay1560 Words   |  7 PagesTone-Deafness Few people know the range of the different types of tone deafness. However, many people think they have it. Tone deafness is does not refer to a problem with the ears, but to a lack of training. Tone deafness is easy to fix by training the ears and the vocal muscles. Lancet is a music professor in Boston who is tone-deaf (Lancet 2001). Lancet express, tone deafness is a term that tends to be applied indiscriminately to a constellation of music processing, perceptual, and productionRead MoreDeafness And Other Communication Disorders Essay1761 Words   |  8 PagesAccording to the National Institute on Deafness and Other Communication Disorders (NIDCD), approximately 2 to 3 out of every 1,000 children in the United States are born with hearing loss in one or both ears. (Quick Statistics About Hearing, 2016) Children who have impaired hearing face a unique set of challenges, and as with many disabilities, early intervention is vital to their success both academically and socially. There are a few different categories of hearing loss in young children. DamageRead MoreThe Cause And Effect Of Deafness1231 Words   |  5 PagesAbout 10% of the Global population is affected by some percentage of hearing loss with hundred twenty four million people affected from a moderate level to a severe deafness. Deafness is caused by different situations. Research shows that two to three out of thousand children in US are born deaf. There is no actual cure for deafness, but in 1982 the invention of cochlear implants gave profoundly deaf and severely hard of hearing individual the chance to experience sound in a completely new way. ThisRead MoreIs Deafness a Disability or a Way of Living?1593 Words   |  7 Pagessociety as a linguistic minority. Members of this community share a particular human condition, hearing impairment. However, the use of American Sign Language, as their main means of communicating, and attendance to a residential school for people with deafness also d etermine their entry to this micro-culture. Despite the fact that Deaf activists argue that their community is essentially an ethnic group, Deaf culture is certainly different from any other cultures in the United States. Deaf-Americans cannotRead MoreDeafness Has Been A Negative Label. Being Deaf Is Considered1528 Words   |  7 PagesDeafness has been a negative label. Being Deaf is considered to be a disability solely on the belief that an individual who is Deaf is not â€Å"normal† due to their hearing loss. Most individuals do not believe that there are any benefits or positives from being Deaf, nor do they believe that a Deaf individual will ever be able to live a happy and fulfilled life. However, Deaf individuals do not view themselves as disabled nor do they view their lives lacking anything, rather they view their DeafnessRead MoreThe Separation Brought from Deafness in A Loss for Words by Lou Ann Walker642 Words   |  3 PagesIn the book, â€Å"A Loss for Words † by Lou Ann Walker, the reader gets a glimpse into the life of a family that is somewhat separated by deafness and hearing. The author Lou Ann Walker, does an excellent job at showing the reader all that she has to go through as she grows up. The reader can see all that is going on as she describes everything that is happening in depth to them. This gives the reader a chance to see how many children that are born to deaf parents are used to be interpreters for them

Lowering The Drinking Age Essay Example For Students

Lowering The Drinking Age Essay Drinking Age Limit I. A. HOOK A-1. Everyone knows that it is illegal to consume alcohol until the age of 21 in the United States. Many people are in agreement with this legal restriction. Some would even say that it should be raised. However, the legal drinking age sometimes causes more problems then it prevents. B. I am here today to persuade you that drinking age limit should be lowered. C. Words/ Pages : 408 / 24