Medicare Ambulatory Paymant System Essay Example

(Cyp 3.1.2.3)

Clarify how speculations of advancement and systems to help improvement impact current practice (CYP 3. 1. 2. 3) Jean Piaget is the most generally known about every single instructive scholar and maybe the fundamental supporter of current act of training. Piaget made immense commitments to the heading, which means and comprehension of contemporary constructivism. Instances of Piaget's commitments incorporate his thoughts that information ought to be effectively built by a youngster and learning exercises should coordinate the degree of the improvement phase of every kid. Additionally, a few significant ways to deal with the national educational plan and guidance depend on Piaget’s hypothesis. For example, Piaget impacted many showing strategies, for example, the attention on the procedure of the kid's reasoning and the dynamic job of the student. Piaget's attention on the procedure of the youngster thinking advanced the improvement of the phases of psychological turn of events. Instructors utilize the phases in the present study hall as an approach to check a youngster's intellectual working. This allows the advancement of exercises and learning encounters that are at the right intellectual improvement stage for the kid's capacity to learn. Piaget perceived that youngsters must act naturally started and effectively engaged with learning exercises. A present utilization of this idea today can be discovered, a large number of the national educational program material incorporate intelligent exercises and even instructive programming for the kid to take part in self-controlled learning. Another notable, and maybe one of the most disputable scholars to date, is Sigmund Freud. Psychoanalytic speculations of advancement started with crafted by Freud, who accepted that youth encounters lastingly affected further improvement of the individual hence having an enduring impact over the manner in which youngsters are taught today and the brain research behind the manner in which this is executed. For instance, early training through play, making it both an agreeable and positive experience for kids. Abraham Maslow built up a humanistic hypothesis that has impacted training. This wide impact is expected partially to the significant level of reasonableness of Maslow's hypothesis, numerous individuals discover they can comprehend what Maslow says and they can identify with certain highlights of their experience or conduct which they have never articulated. Humanists don't accept that individuals are pushed and pulled by mechanical powers, both of upgrades and fortifications (behaviorism) or of oblivious instinctual motivations (therapy). Humanists center upon possibilities, they accept that people make progress toward an upper degree of capacities and look for the outskirts of imagination, the most elevated scopes of cognizance and knowledge. Maslow calls this level â€Å"self-actualisation† inside his ‘hierarchy of needs’. Maslow accepts that the main explanation that an individual would not move well toward self-actualisation is a result of impediments put in their manner by society. He expresses that instruction is one of these blocks, he suggests ways training can change from its typical individual hindering strategies to individual developing methodologies. JOANNE CORBETT Maslow states that teachers ought to react to the potential an individual has for developing into a self-actualising individual and this has had extraordinary impact over the manner in which instruction is currently educated. Educators are taking a stab at all encompassing individual learning encounters instead of mass class lead draws near, current practice incorporates capacity gathering and assets set up for ‘gifted and talented’ youngsters. The structures for current practice are for the most part based around an all encompassing methodology. Social instructional method underpins improvement and expect an all encompassing way to deal with children’s needs †wellbeing, tutoring, relaxation, family life, otherworldly life, etc †the entire youngster. It works together instruction with every other region associated with how a youngster creates. Albert Bandura has a significant impact in comprehensive improvement today; he is believed to be one of the most powerful scholars of current training, with his social learning hypothesis which accepts individuals learn new conduct through observational learning of the social factors in their condition. For instance, on the off chance that individuals watch positive, wanted results, at that point they are bound to display, impersonate and receive the conduct themselves. Instructors presently comprehend the significance of giving an expert, positive good example for youngsters to gaze upward to. Burrhus Frederic Skinner is the American scholar behind operant molding which manages the change of â€Å"voluntary† (operant) conduct. Operant molding is kept up by its results of fortification and discipline, both positive and negative. One of the particular parts of Skinner's hypothesis is that it endeavored to give conduct clarifications to a wide scope of subjective wonders. For instance, Skinner clarified inspiration as far as hardship and fortification timetables in this manner perant molding has been broadly applied inside educating with the utilization of uplifting feedback especially for inspiration and study hall the board. Which carry us to our last scholar, John Watson who created behaviorism with traditional molding, most questionably with â€Å"Little Albert† a multi month old kid he (alongside Rayner) adapted to fear a white rodent, where the boosts was directed (as restrict to Skinner, who directs the reaction). Instructors can apply old style molding i n the class by making a positive study hall condition to assist kids with defeating nervousness or dread. Blending a nervousness inciting circumstance, for example, acting before a gathering, with charming environmental factors enables the youngster to learn new affiliations. Rather than feeling on edge and tense in these circumstances, the kid will figure out how to remain loose and quiet. This paper isn't thorough of the numerous hypotheses which have improved training and the manner in which it is right now rehearsed however just gives an outline of a portion of the main scholars that are used inside schools today. 901 WordsJOANNE CORBETT

A Critical Essay on Theodore Roethke’s “My Papa’s Waltz” Analysis

By what method can a sonnet composed over fifty years prior figure out how to locate an increasingly contemporary perusing, and motivate a solid yet basic conversation among ‘classicists’ and ‘modernist’ perusers or audiences?Such is the appeal shown by the sonnet My Papa’s Waltz composed by Theodore Roethke. Indeed, even before hopping directly to the conversation of the meat and matter, or the substance of the sonnet itself, there is as of now such a great amount to state about the sonnet on the off chance that we are to pass judgment on its abstract legitimacy regarding form.NARRATIVE STRUCTURE, LANGUAGE AND RHYMEThe sonnet is effortlessly comprehended and is introduced in an unmistakable sequential request, from the opportunity the dad gets back home, up to the finish of the ‘waltz’ with the speaker in the sonnet off to bed (Roethke).â  Because of an away from of occasions, the sonnet is light, brilliant, but then, remains thought -provoking.The language utilized is additionally light and proper, as it is observed that the speaker in the sonnet is a youngster and the recipient is the daddy, or the dad of the speaker (Roethke). Such simple jargon is proper for the speaker in the sonnet, along these lines making a significant level of acceptability in the peruser and loaning believability to the speaker in the poem.We see unmistakably and promptly the qualification between the speaker and the recipient, and we can likewise make in our brains the correct profile for both speaker and recipient in the sonnet. The rhyme plot is A-B-A-B-C-D-C-D-E-F-E-F-G-H-G-H.There is a superb blend of manly rhymes; like head-bed in lines 13 and 15 (Roethke), and earth shirt in lines 14 and 16 (Roethke); and ladylike rhymes like mixed up simple in lines 1 and 3 (Roethke), and knuckle-lock in lines 10 and 12 (Roethke) in the sonnet. The couple of ‘sloppy’ rhymes found in the sonnet are additionally fascinating since the y can be, once more, credited to the way that the speaker is an individual of delicate age.IMAGERY AND FIGURATIVE LANGUAGEThe story structure of the sonnet is additionally reinforced by a reasonable and distinctive rendering of pictures. The absolute initial two lines †â€Å"The bourbon on your breath/Could make a little kid dizzy† (Roethke); †obviously and surely presents a reasonable mental picture, where, the mind’s eye, however just as different faculties can take an interest: to be explicit, in these lines, the feeling of smell.Even the ‘mind’s ears’ can take an interest in the tangible experience of the sonnet as prove by lines 5 and 6 †â€Å"We frolicked until the skillet/Slid from the kitchen shelf† (Roethke); where one could undoubtedly hear the racket that these dish sliding off kitchen racks may have caused.This sonnet is essentially a pleasure to the faculties! The utilization of allegorical language is prevalent to o. With lines 7 and 8 †â€Å"My mother's face/Could not unfrown itself† (Roethke), and the last lines †â€Å"Then danced me off to bed/Still sticking to your shirt† (Roethke) †are magnificent and creative utilization of non-literal language, also it being a long way from clichà ©.The sonnet is a splendid pearl of writing that shows authority, of lovely structure, however just as substance. Talking about substance, this is actually what has been subject of warmed discussions and energetic conversation with respect to the topic or the perusing of the poem.DUALITY OF READINGThe sonnet presents a multilayered topic, fit for various readings. This contention of perusing and translation of the sonnets topical or emblematic importance comes from a distinction in peruser reaction to the poem.Most ‘classicists’ see the sonnet as a blameless and nostalgic retelling of a ‘bonding time’ between a gushing dad and a darling child/youngster. On the opposite finish of the range are the ‘modernists’ understanding of the sonnet as one which talks about kid maltreatment by physical discipline of an alcoholic father.The classicists contend that a perusing of a sonnet ought to likewise think about the time or period at the hour of the poem’s composing. They contend that the sonnet ought not exclusively be perused and acknowledged or reprimanded by utilizing inherent data inside the sonnet, yet in addition extraneous components, for example, the reference to line 1’s bourbon breath (Roethke), and lines 7 and 8’s mother’s face (Roethke).The pioneers are in the view this isn't a charming situation for a kid when such a move is considered ‘not easy’ (Roethke) in line 4, just as a ‘hung to death’(Roethke) in line3. Besides, viciousness is recommended by the hand clutching the persona’s wrist in line 9, which is portrayed as hitter in one knuckle in line 10. There is additionally a solid proposal of brutality by the rejecting of the correct ear in a clasp at each stumble (Roethke) in lines 11 and 12. Conveying the last nail to the final resting place of the contention are the last lines 15 and 16’s wandering off to bed despite everything sticking to the injurious father’s shirt (Roethke), which shows hesitance and persuasive taking care of the speaker to the bed.I relate to the pioneers in the perusing and translation of this sonnet. I see viciousness and maltreatment in the sonnet, yet to banter on such issues is altogether overlook what's really important. The point here is that, this work is a brilliant bit of writing since it has the ageless nature of a work of art, just as a multi-faceted and multi-layered interpretation.After each of the, a great sonnet ought to grant a critical human encounter, and it should draw from the peruser, compassion, and a cooperation of the faculties. Regardless of whether this is a nostal gic review of good occasions among father and kid or a fierce scene of kid misuse, the reality remains that the sonnet succeeds both in structure and substance or content, and rises above time, is of pith. Its taking into account numerous readings is just a demonstration of the authentic characteristics of this immortal exemplary.

Lyle Alzado View of Steroid Use Free Essays

Likewise I was small contrasted with different players. After graduation no schools gave me grants for playing football. Being small and playing averagely I wasn’t the best competitor. We will compose a custom exposition test on Lyle Alzado View of Steroid Use or then again any comparative subject just for you Request Now I went for the Kilgore Junior College’s football crew in nineteen sixty four, yet they revealed to me that I wasn’t sufficient to play for them. I was at long last acknowledged to Yankton College in South Dakota; I began taking steroids to play football better subsequent to being acknowledged, so as to play better and to safeguard my place on their football crew. In nineteen seventy one I was the Denver Broncos fourth draft pick. I was a cautious lineman equivalent to in secondary school. I turned into an impressive player before the finish of my newbie year. I beat, outsmart, confirmed everyone. From the beginning I was taking steroids and I saw that they made me play better and better. In nineteen seventy seven, I was named the Oaf’s protective player of the year and the cautious lineman of the year. I went from being and normal player in secondary school, to being a dreaded proficient football player in Just a couple of years. I was so crazy about winning, it’s all I thought about, I never discussed whatever else, and steroids helped me continue winning. In nineteen eighty four, I resigned from football because of a physical issue to my Achilles ligament, which I accept was cause by my steroid use. I attempted to make a rebound in nineteen ninety with the Raiders however I promptly had a knee injury that kept me from playing. Before the finish of my football profession I was name all-expert twice and had an aggregate of ninety seven sacks In a single hundred ninety six games. I had done well for somebody who had no expectation In secondary school of playing proficient crackpot. All during my school and expert football profession I was taking steroids. I spent around thirty thousand dollars every year on steroids. All the time on the field I was furious, mean, and resolved to win, however off the field I made some hard memories killing these feelings. One of my partners depicted me as have a part character, â€Å"on the field he anticipated an intense image,† He said. In any case, off the field I resembled a delicate goliath. At the point when the game was finished, I would be tormented with disposition swings from the steroids; I could keep a decent connection with individuals. I was hitched multiple times through the span of my football vocation. When a man sideswiped my vehicle in Denver and I tailed him home and beat him up In his front yard. I couldn’t control my indignation. I manhandled my second spouse so much that she called the police multiple times on me over the span of our marriage. In March of nineteen ninety one, during my wedding to my fourth spouse Kathy, I made some hard memories keeping my equalization while strolling. After a month I was determined to have a chemotherapy treatment, trying to fix the mind tumor. I kicked the bucket longer than a year in the wake of being analyzed in my home in Portland, Oregon. I told Sports Illustrated before my passing that I had begun taking steroids in nineteen sixty nine and never stooped. I needed to advise others to quit taking steroids. It wasn’t justified, despite all the trouble to me, steroids made me become disconnected from my loved ones, I couldn’t keep a decent relationship because of the emotional episodes brought about by my steroid use. Eventually my demise was brought about by steroids, they had made my seem solid outwardly while they destroyed my psyche and body. The most effective method to refer to Lyle Alzado View of Steroid Use, Papers

Book Recommendations to My Past Self Re The Awful Guys I Dated in My 20s

Book Recommendations to My Past Self Re The Awful Guys I Dated in My 20s Im going to be completely honest here- I was a bit of a disaster for most of my twenties. I drank too much,  struggled with anxiety, and was seemingly incapable of making decisions in my own best interest. This was especially true concerning my taste in men. In hindsight, I think I subconsciously expected the right relationship to solve the myriad problems I wasnt ready/willing to tackle on my own. I impulsively started  relationships, bulldozing red flags and clinging to romance well past its natural end point. After all, according to my dysfunctional rationale, who cares if you cant figure out what to do with your life if youre  in love? The quick emotional high of infatuation was a temporary, addictive distraction from the looming chore of figuring my shit out. But eventually, I had to admit that it wasnt working. I quit drinking. For a while, I quit dating. I went back to school and got a job that was both emotionally and professionally fulfilling. Unsurprisingly, it was only after I started taking care of myself that I met a charming fellow history nerd who shares my love of Jeopardy! and Jon Krakauer. When I look back at those years, I feel empathy for that floundering, insecure version of myself. I want to hug her and say, Youre okay! Stop dating guys who make you feel bad! Stop dating -AT ALL- until you take care of yourself! If I could travel back in time, these are the books I would recommend to my past self. Its a grab bag of novels, memoirs, and psychology. Some would help me feel less alone, others would make me laugh, and many would give me the courage to move forward. Id like to think theres an alternate reality somewhere in which Past Me gets an anonymous package with a note in my own handwriting that reads:  Here. Read these. Itll help.   Book Recommendations to My Past Self Re: Guys I Dated in My 20s   The College Boyfriend Americanah by Chimanda Ngozi Adichie What Its About: As teenagers, Ifemelu and Obinze fall in love. Because of Nigerias military dictatorship, many people are leaving the country. Ifemelu moves to the United States to study. Obinze initially plans to join her, but his plans are thwarted when hes denied entry. Instead, he moves to England without legal status. Years later, they reconnect in Nigeria and face tough decisions. Why Past Me Should Read It: This story offers one of  the more realistic portrayals of young love that I have read. At the same time, Ifemelus relationship with Obinze doesnt define her. While their love is genuine, Ifemelu moves to the U.S., becomes a successful writer, dates other men, and is a happy and whole person on her own. To All the Boys I’ve Loved Before by Jenny Han What Its About: Laura Jean hasnt told any of her crushes that she has feelings for them. Instead, she writes letters to them and hides them in a box under her bed. One day, Laura Jean finds out the letters have been mailed, causing each of the boys to confront her about her feelings. Why Past Me Should Read It: When my college boyfriend and I broke up, I took it pretty hard. Like, falling asleep to the dvd commentary of  Love Actually  every night for months hard.    The letters that Laura Jean writes are less confessional and more like goodbye letters that give her closure when she moves on from her crush. When the guys receive the letters, she has some explaining to do. Its the kind of light, sweet what if book that can be comforting after the First Big Breakup. Modern Romance by Aziz Ansari What Its About: The amazing, hilarious Aziz Ansari teams up with NYU sociologist Eric Klinenberg and designs a research project that focuses on how people find love in the digital age. They conduct hundreds of interviews and focus groups around the world. The results are as insightful and relatable as they are funny. Why Past Me Should Read It: At one point in this book, Aziz describes the ideal initial flirty text exchange. His example was remarkably similar to the actual first texts between my husband and me four years before this book came out. I could have saved myself so much time and effort if this book had been around when I was twenty-two. Plus, it explains things that didnt exist when I was in college, like smart phones, emojis, and Tinder. Just think of the possibilities The Cad The Paperbag Princess by Robert Munsch What Its About: Princess Elizabeth has an ideal life. She lives in a castle and is engaged to the lustrously-coiffed Prince Ronald. That is, until a dragon comes, burns down her castle, kidnaps Prince Ronald, and leaves Elizabeth with nothing to wear but a paper bag. Through a series of clever maneuvers, she defeats the dragon and saves Prince Ronald. Instead of the romantic reunion Elizabeth anticipates, Prince Ronald exclaims that Princess Elizabeth is wearing a paper bag and should come back when shes dressed like a real princess. Elizabeth basically tells Ronald to bugger off and lives happily  ever after on her own. Why Past Me Should Read It: Honestly, this book could fit equally well in any of these categories. Princess Elizabeth is fierce and independent. Prince Ronald is a total dud. Elizabeths confident self-sufficiency is an especially resonate message if youre recovering from a relationship with someone who refused to acknowledge your true value. Bridget Jones’s Diary by Helen Fielding What Its About: I will not fall for any of the following: alcoholics, workaholics, commitment phobics, people with girlfriends or wives, misogynists, megalomaniacs, chauvinists, emotional fuckwits or freeloaders, perverts. Bridget Jones is a single thirty-something who hilariously chronicles her romantic adventures, professional mishaps, and attempts to cultivate inner poise. Why Past Me Should Read It: Daniel Cleaver, Bridgets colleague and sometimes romantic interest, is the ultimate charming scoundrel. The cad I dated had a similar ability to make me feel singularly captivating while texting other girls on the sly.  Bridget Joness Diary  reminds me that the early spark from a charismatic admirer might be short-lived, but thats okay. I will find someone trustworthy and reliable, even if it doesnt feel like it at the moment. The Mothers  by Brit Bennett What Its About: Nadia Turner is in her last year of high school and grieving the death of her mother when she begins secretly dating Luke Sheppard, a twenty-one year-old former football player whose injury has left him waiting tables at a diner. Their short-lived and complicated romance impacts both of them well into adulthood. Why Past Me Should Read It: This haunting and lyrical novel is told from multiple perspectives, including Nadias and Lukes. On the surface, Luke seems like a textbook cad. However, the author takes us beyond Lukes exterior and shows us the reason for his behavior. Rather than relying on stereotypes, Bennett presents us with a fully-formed human with his own motives and regrets. This book would remind me that everyone is more complex than their worst moments. We Should All Be Feminists by Chimamanda Ngozi Adichie What Its About: Adichie’s essay, based on her Tedx talk of the same name, explores feminism in a simple and conversational manner. She describes the chauvinism she has experienced and provides straightforward anecdotes of sexism to which many of us can identify. Why Past Me Should Read It: A cad, by definition, acts dishonorably toward women. Nobody needs that. Adichies slim book would be  a reminder that I can do better. The One Who Broke My Heart   Hyperbole and a Half: Unfortunate Situations, Flawed Coping Mechanisms, Mayhem, and Other Things That Happened  by Allie Brosh What Its About: Based on Broshs hilarious blog, the book is a compilation of drawings and stories of Broshs weirdness as a child, her odd dogs, and her struggles with anxiety and depression. Why Past Me Should Read It: This isnt a book about heartbreak. However, one of the worst parts of going through a breakup is feeling isolated. You cant talk to the person that used to be one of your closest friends. Sometimes, the two of you had mutual friends and youre not sure how to talk to them anymore. Broshs book is so emotionally honest and funny, its hard to feel alone while youre reading it. Anyone whos ever felt like the weird one in a social situation- or who has battled depression or anxiety- will relate to Broshs stories.   Tiny Beautiful Things: Advice on Love Life from Dear Sugar  by  Cheryl Strayed What Its About: The compilation of Strayed’s once-anonymous advice column from The Rumpus website provides wise and empowering advice on everything from sex to relationships to pursuing your dreams. Why Past Me Should Read It: Reading this book is like spending the evening with your empathetic but unflinchingly honest best friend. And Strayeds no-bullshit approach would really have resonated at a time when I felt like everyone had it together except me. An Untamed State by Roxane Gay What Its About: Mireille  is visiting her parents in Haiti with her husband and infant son when shes kidnapped in front of her fathers Port-Au-Prince estate in broad daylight by a gang of heavily armed men. As it becomes clear her father intends to resist the kidnappers, Mireille must endure the torments of a man who resents everything she represents.  An Untamed State  tells the story of Mireilles thirteen days in captivity, as well as her subsequent struggle to regain her sense of self. Why Past Me Should Read It: After my first heartbreak, I desperately needed to get out of my own head. I was too focused on my unfolding personal drama. An Untamed State  is the kind of novel that will transport you from wherever you are into Mireilles world. This powerful story of devastation and redemption  will also put into perspective any typical romantic quarterlife crisis. The One Whose Heart I Broke   The Missing Piece Meets the Big O by Shel Silverstein What Its About: The Missing Piece is a triangle who is searching for the piece that will complete him. Some pieces are too small, some are too large. One fits at first until the Missing Piece begins to outgrow him. Eventually, the Missing Piece meets the Big O, who teaches him that no other pieces are required. Why Past Me Should Read It:   Breaking up with someone often comes with  so much guilt. Its terrible to know that  youve hurt someone. In my twenties, I would sometimes try to make a relationship work well past the point when I knew I was unhappy. This book serves as a reminder that sometimes, in order to be whole, we have to roll on our own. Written on the Body by Jeanette Winterson What Its About: This all-consuming novel explores the passionate highs and devastating lows of being in love. The narrator, who has neither name nor gender, chronicles an affair with Louise, an unhappily married woman with a terrible secret. The story is a cathartic meditation on love lost. Why Past Me Should Read It:   This book  more fully encompasses an obsessive love affair better than any other story Ive ever read. Im not saying that level of intensity is sustainable or even always desirable. But when I was hanging onto  lackluster relationships because I couldnt muster the energy to end them, this book would have made me say, Okay-  that. I need to feel more of that in my life. The Mutually Assured Destruction Gone Girl by Gillian Flynn What Its About: Amy and Nick are preparing to celebrate their fifth wedding anniversary when Amy disappears. Mired in lies and deceit, Nick is the obvious suspect. But Amys diary reveals a woman more complicated than she initially seemed. This book (and the subsequent movie) have been everywhere over the last few years- for good reason. Why Past Me Should Read It:   Sometimes you break someones heart. Sometimes you get your heart broken. And sometimes, you find yourself caught in a twisted, dysfunctional dance with someone you think you might have liked at some point. Typically considered a psychological thriller, this is also a cathartic read for anyone whos a disaster- and has recently gotten out of a relationship with a fellow hot mess. Zelda: A Biography  by Nancy Milford What Its About: Zelda Sayre Fitzgerald, best known as wife and muse to F. Scott Fitzgerald, was an author and artist in her own right. Zelda was passionate and rebellious- the flapper who symbolized the roaring twenties. Her desire to be creative often conflicted with F. Scotts appropriation of their lives for his work. Milford masterfully portrays their booze-y, tumultuous relationship. Why Past Me Should Read It:   F. Scott and Zelda seemed to really love it each other. Regardless, they often werent very good for one another- the quintessential mutually assured destruction couple. In my twenties, I romanticized the idea of tempestuous relationships among artists. This book shows the toll her marriage took on Zelda Trainwreck: The Women We Love to Hate, Mock, Fear And Why by Sady Doyle What Its About: She’s everywhere once you start looking for her: the trainwreck.  She’s Britney Spears shaving her head, Whitney Houston saying, “crack is whack,” and Amy Winehouse, dying in front of millions. But the trainwreck is also as old (and as meaningful) as feminism itself. From Mary Wollstonecraftâ€"who, for decades after her death, was more famous for her illegitimate child and suicide attempts than for  A Vindication of the Rights of Womanâ€"to Charlotte Brontë, Billie Holiday, Sylvia Plath, and even Hillary Clinton, Sady Doyle’s  Trainwreck  dissects a centuries-old phenomenon and asks what it means now, in a time when we have unprecedented access to celebrities and civilians alike, and when women are pushing harder than ever against the boundaries of what it means to “behave.” Why Past Me Should Read It: Theres no shortage of people/media sources/comment sections ready to label a woman crazy- especially those of us who feel things strongly, struggle with addiction, or behave outrageously in public.  Many of us subconsciously internalize the message that were somehow irrevocably damaged. Doyles funny and insightful book gives us a social and historical context for our societys need to provoke, witness, and condemn women for their behavior. The Happily Ever After Quiet: The Power of Introverts in a World That Cant Stop Talking by Susan Cain What Its About: In Quiet, Susan Cain argues that society undervalues introverts and shows how much we lose in doing so. She charts the rise of the Extrovert Ideal throughout the twentieth century and explores how deeply it has come to permeate our culture. She also introduces us to successful introvertsâ€"from a witty public speaker who recharges in solitude after his talks, to a record-breaking salesman who quietly taps into the power of questions. Passionately argued, superbly researched, and filled with indelible stories of real people, Quiet has the power to permanently change how we see introverts and, equally important, how they see themselves. Why Past Me Should Read It: This book was released when my now-husband and I had been dating for about six months. I was serious about him and I had never been so happy. But there was one consistent issue that bothered me. After a long and frustrating day, he wanted to go out and unwind with friends. Meanwhile, all I wanted to do was sit in my pajamas, each carbs, and watch Jeopardy! This doesnt sound like a big deal, but I sometimes wondered if this fundamental difference would divide us: Was I too antisocial to fit into his life well? And what was the deal  with his constant drive to be around other people? Reading Cains book was a serious aha! moment for me. It helped me realize that he gets the same sense of catharsis out of socializing  that I do from pizza and Alex Trebek. Were going for the same physiological response, but our bodies have different ways of getting there. That realization helped us tremendously- we found it much easier to encourage one anothers versions of self-care. The Year of Yes by Shonda Rhimes What Its About:   Greys Anatomy. Scandal. How to Get Away with Murder.  Shonda Rhimes is a creative force who has had an enormous impact on the entertainment industry over the decade. This book explores the impact of a decision Rhimes made when,  over Thanksgiving dinner, her sister muttered something that was both a wake up and a call to arms: You never say yes to anything. Shonda knew she had to embrace the challenge: for one year, she would say YES to everything that scared her. This poignant, intimate, and hilarious memoir explores Shonda’s life before her Year of Yesâ€"from her nerdy, book-loving childhood to her devotion to creating television characters who reflected the world she saw around her. The book chronicles her life after her Year of Yes had begunâ€"when Shonda forced herself out of the house and onto the stage; when she learned to explore, empower, applaud, and love her truest self. Yes. Why Past Me Should Read It:   This book is a good balance to  Quiet. While self-care in any form is a necessity, so is occasionally moving out of your comfort zone. My husband is really good at saying yes to novel experiences- and getting me to do so as well. With his encouragement, Ive challenged myself by moving across the country, hiking a cloud forest in Panama, and reading my middle school journals in front of 500 strangers at a Mortified performance. After years of learning to take care of myself by saying no: To the wrong boys, bad choices, and self-doubt, its important to remember when to say yes.

The relevance of the International Financial Crisis - Free Essay Example

The financial disasters of the late 2008 and the period since can be attributed to a false understanding of risk by the institutions because they forgot to apply it. Management of risk is one of the canons of their business but rather than apply it in their dealings, they allowed greed for more profit to becloud their judgement. Banks and other financial institutions are indeed in business to make profit and add to shareholders value. By so doing, they confront all manner of potential risks all firms must face in order to achieve the goal of profit maximization and shareholders added value. It is in the pursuit of these twin objectives, that banks and other financial institutions ignored risks inherent in the various transactions that took place during the financial crisis of 2008. There were so many risk factors the financial institutions failed to take into consideration in their quest for profit maximisation. Outlined below are some of the relevant risk issues associated with the financial crises which they failed to consider and apply. 1] Concentration risk 2] Portfolio risk 3] Default risk 4] Liquidity risk 5] Systematic risk Concentration risk Most of the banks and other financial institutions in that period failed to diversify their loan portfolio. They became heavily involved in mortgage lending because of its high yielding returns and because they were fully secured by the underlying tangible asset. It is well known that concentration in one product market is dangerous hence, the massive downward adjustment in global real estate market prices that led to massive losses. Had the institutions diversified their portfolio, the losses would have drastically reduced. Portfolio risk Asset Based Lending During the period, most of the financial institutions were encouraged to be involved in mortgage lending and other complex collateralised debt obligations forgetting that collateralised assets do not pay debts except cash flow and the ability of the debtor customers to pay their debt obligations when they fall due. Moreover, in a period of crisis and defaults, collateral values tend to decline and that calls for lenders to seek additional collateral with a view to correcting the collateral deficiency of the debt or demand to be repaid or seize and sell the collateral pledged. During the crisis, wave of foreclosures forced down prices of all manners of collaterals. The repercussion was that, the foreclosure of the properties drove down liquidity. According to Davis (2008 p.15) in his explanation in his DIIS working paper, unsecured lenders saw that money was being lost by secured lenders (when their properties were put on sale) and began to withdraw their often short-term funding too thereby creating liquidity problem. Another was the Collateralised Debt Obligations: Banks involvement with CDO raised so many questions as to if the CDOs were what caused the crisis, although it served as a good reason for the banks to keep on lending along with investors who also saw a positive way of increasing returns in events of a drop in interest rates (Marinescu, 2010 p.1). These CDOs were categorised under three segments which were; Junior, Mezzanine and Senior. The Junior level involved high risks and returns, along with mezzanine which stood in the middle, while the Senior level was regarded as the safest with low risks and returns. This however did not stop the investors from wanting to gain higher returns especially in the year, 2002 and 2003, which made banks create what Tett (2009 p. 110) referred to as a CDO of CDOs (meaning) instead of the company purchasing a bundle of loans, it would possess pieces of debt issued by other CDOs and then issue new CDO notes, all with the main purpose of making bigger profits. Liquidity Risk Liquidity was another major risk that the banks and other institutions faced which later became a critical issue in 2008. They took it for granted and were attracted by the fees available in a high-churn business of extending new loans, selling them on and lending again. They also presumed continually that rising asset values would protect them against any borrower difficulties. With what was known as the Structured Investment Vehicles (SIVs) not being able to sell their commercial notes, in addition to the leverage of the banks, default of payments on the part of the customers, investors being too afraid to invest anymore in what they were not sure of and a bank-run on the part of the customers, all if not more contributed to a decrease in liquidity in the process. Also the Collateralised mortgage obligations contributed to this because they were assets and generally not cash at hand which made them somewhat difficult to be sold on a quicker pace and led to the problem of liqui dity which pushed the unfortunate banks to insolvency. Default Risk This risk later became a reality when the customers defaulted in payment which may have come about because of a crash in house prices and not wanting to end up paying back the loans they took, or as a result of the unemployment and the increase in interest rates, the average rate on an adjustable mortgage rose from 3.5% in late 2005 to 5% by autumn of 2007 (Tett 2009, p. 226). Tett (2009) also mentions the unkempt nature in which some of the houses were left by the defaulters who moved out, making it difficult for the institutions to sell them for a good price- which was also impossible because of the fall in prices as mentioned above. Systematic Risk The Financial Institutions were interested in moving assets from their portfolios by spreading them out that they failed to look at what might happen in the future concerning those risks. They were focused solely on idiosyncratic risk and were blind to the record build up of systematic risk that had happened right in front of their eyes, partly with their permission (Kapoor, 2010 p.31) CONCLUDING REMARKS Operational risk played a major role in showing how some of the Financial Institutions took the coming of a crisis for granted. Majority of the banks were not prepared for the shock, which brings us to the question of asking if no careful attention was put in place to reduce these levels of risk. At first, the banks felt they were diversifying their risks by embarking on projects they considered safe which were indeed not, although some rating agencies declared them safe, it was later observed that there was no transparency on the part of these agencies which meant there was a high rate of information asymmetry which served as a disaster to Lehman Brothers who invested in these bad assets (Stiglitz, 2009). The Mortgage assets held by Lehman Brothers and their involvement in sub-prime mortgage lending, along with the belief that they could earn high returns on investment with the continuous rise in house prices, took a turn-about when the prices fell and they were highly leverage d. In an attempt to move assets off its balance sheet, Lehman brothers before its collapse transferred assets worth 5 billion dollars (Merced and Sorkin, 2010 p.1). Never the less, no one was able to come to its rescue, mainly because institutions didnt trust each other anymore. Another risk which was misunderstood was the default risk. The diversification of the risks were held under the notion that because they were being spread out, the risk of one defaulting would not affect the others, but the diversification was not going as planned in the sub-prime mortgage sector, and since these asset backed securities (ABS) were somewhat grouped together even though spread around, a default in one simultaneously led to a default in the other. SIVs were believed to be safe, but the Institutions did not take into consideration that since SIVs were completely off the rules of the regulators, the central banks were in no position to bail them out in the event of a crisis which eventually ar ose when SIVs were no longer able to sell their commercial notes. The leverage of Financial Institutions and the dependence on ABS, particularly mortgage backed securities caused so much havoc which pushed some of them on the verge of bankruptcy, For example; Bear Stearns the company was involved in mortgage backed securities, paid for by debts with short maturities and these mortgage backed securities were difficult for them to sell at a fast pace (Tett 2009, pp. 203- 236). Roles of Regulators There have been several debates as to whether the bank regulators could have contributed more in terms of monitoring the banks, supervising and scrutinizing these financial institutions in order to detect any illegal devices. Epstein (2008) commented on the fact that supervisors should have gone the extra mile in monitoring the risk of banks. He further went on to point that majority of the problems associated with the financial crisis originated from not paying full attention to the operational risk. The lackadaisical attitude in the financial system arose as a result of how the system regained balance after the Internet bubble and the collapse of Enron and Amaranth in 2006. By 2007, the dominant creed at the Washington Federal and US Treasury was that credit risk had been so widely dispersed via credit derivatives and CDOs, that any blows would be absorbed (Tett, 2009, p. 179). Again the regulators relied solely on the risk assessment techniques of the financial institution s which were not exactly error free. The banks on the other hand, felt they were doing a good job at managing their risks through rating agencies, diversification and many more, so also, risk assessment models and these mathematical models approved to be safe were indeed not because they failed to look at all other underlying factors associated with risk and could not clearly see the implications of excessive leverage, default risk on the part of the customers, the risk of sub-prime mortgage loans, the general misguided opinion of a constant rise in the house prices and the greed to earn higher returns on investment.

The Survival By Change By Charles Darwin - 1341 Words

The Survival By Change Charles Darwin once said, â€Å"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change.† He implies the strongest most intelligent man will not survive, but the one who can adapt will. Adaptation in the Holocaust glowed not when the victims were treated like animals and not humans, but when the only way to survive was to adapt to the change. In the books Maus and Night the characters were forced to adapt new behaviors in order to survive. The prisoners of the Holocaust exhibited behaviors that didn’t follow ordinary character traits because they would be killed if they didn’t do everything necessary for survival. When victims of the holocaust had to lie in order to survive this could mean that someone else wouldn’t survive. The Nazis brutally kept Jewish men, women and children in horrible conditions. The Jews were abused, forced to work, murdered and persecuted like never before. The harsh conditions made prisoners desperate to survive this atrocity. They did whatever was necessary to survive this horror. These prisoners utilized skills never before seen because this was a Holocaust like never before. Lying was an attribute which helped many people in the Holocaust to survive and obtain rare commodities such as food and shelter. Vladek Spiegalman is one of these Jews during the Holocaust and desperate to survive he was forced to lie and cheat to get the best job possible. He did this when heShow MoreRelatedThe Theory of Evolution and Survival of the Fittest Essay1046 Words   |  5 Pagesrelated and has descended from a common ancestor. The theory of evolution and survival of the f ittest has been around since the time of the ancient Greeks and maybe earlier. Evolution has provided people of the world with an explanation of how everyone and everything got here. Although, this theory has sparked a lot of debate, the factual side of evolution is quite interesting. 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