Thursday, August 27, 2020

Morality and Obligation Essay

1. Two fundamental advances taken, that might be essential, before one can intui? vely welcome the rightness of an air conditioner? on are considering the results of an air conditioner? on. At the end of the day, think before you act. Additionally give thought (considera? on) to the people engaged with said air conditioning? on or your rela? on(ship) with the people in question. 2. An air conditioner? on is viewed as ethically great in addi? on to being correct when it is the proper activity, while likewise coming from a decent spot. When the individual or â€Å"agent† performs said act since it is right, from a sentiment of obliga? on, an ethically decent act is additionally right. 3. As indicated by Prichard, an air conditioner? on done from a feeling of obliga? on, there is no reason â€Å"consis? ng either in the air conditioner? on itself or in anything which it will produce†. A mo? ve, being something that moves one to act, can be the feeling of obliga? on, an air conditioner? on done from a feeling of obliga? on can to be sure have a mo? ve. 4. Avirtuous act is done from a craving that is naturally acceptable. An ethical demonstration might be done from obliga? on. There can’t be an obliga? on to act prudently, in light of the fact that we can just â€Å"feel an obliga? on to act† or accomplish something. We can't, nonetheless, feel an obliga? on to act from a specific want 5. It is a misstep to anticipate that ethical way of thinking should demonstrate through argumenta? on that we should ful+ll our obliga? ons, on the grounds that ethical rightness â€Å"cannot be illustrated, just captured legitimately by a demonstration of good thinking†. The feeling of obliga? on is a consequence of an ethical idea or musings. Moral way of thinking can give re-ec? on the â€Å"immediacy of our insight into moral rightness† and the intui? ve recogni? on of the decency of the ethics.

Saturday, August 22, 2020

Moral Accountability Essays - Social Philosophy, Philosophy Of Life

Moral Accountability Ethical quality relies upon the capacity of a person to pick among great and abhorrent, in this way, involving opportunity of the will and the ethical obligation of the individual for his activities. It is clear this is so for the individual, however shouldn't something be said about gatherings and governments? Do they can pick between great and underhandedness, do they have unrestrained choice and in this manner are they dependent upon the equivalent standards of ethical quality as the individual or does an independent profound quality apply. Imagine a scenario in which we relate this idea of ethical quality to a current day moral predicament. Such as should the United States government fire voyage rockets at Serbian urban areas in request to drive the administration of Serbia to consent to NATO requests of withdrawal from Kosovo? What good inquiries ought to be posed? Further yet, as we are individuals from a delegate majority rule government, do the residents bear any of the duty of the administration's activities? Am I liable for the legislature I pick? Being that it is the activities of a legislatures we wish to scrutinize the profound quality of, we should recognize what the current support possibly in support of the dispatch of voyage rockets at Serbia and what the results of that choice would be. It very well may be guessed that the official discerning of the US government in its choice to utilize voyage rockets on Serbia is in view of cost/advantage investigation of what might be to the greatest advantage of the country and the world?a utilitarian profound quality. The Serbian government has attacked and tries to subvert the power of Kosovo while utilizing destructive strategies to control the populace. The US is following up on what it accepts to be the best useful for the best number. Be that as it may, who is the legislature to put a advertise an incentive on human life? Is it moral and does the legislature have the privilege to place such an incentive on human life? What's more, who is liable for their choice? The official utilitarian reason of the United States government places a showcase esteem on human life Kant states: Presently profound quality is the condition under which alone a sound being can be an end in himself, for just in this way would he be able to be an enacting part in the realm of finishes, endurance of the individual in a gathering is the end. In the event that we are to treat men in any case, as a methods to an end, we should make that an all out objective and we should regard it as though that activity will be a general law of nature laws to live by). Henceforth, to do damage to other people, to put a market an incentive on man, would be shameless since it would hurt humankind. Moreover, it is unethical for the United States to forfeit ten thousand lives in anticipation of sparing more. It must be asked imagine a scenario where everybody. relinquished ten thousand lives?. As indicated by Kant's hypothesis of the General law, We should have the option to will that a saying of our activity become general law, this is the ordinance for ethically assessing any of our activities (Kant). Maybe it is a touch amusing that the very record the US was established on peruses: We hold these certainties to act naturally obvious: that all men are made equivalent; that they are invested by their Creator with certain unalienable rights; that among these are life, freedom, and the quest for joy. This, similar to Kant's ethical way of thinking of widespread proverbs, broadcasts that man has natural supreme worth. However, so rapidly are we prepared to ignore this presentation as our money saving advantage examination directs. Subjugation was annulled on the rule of the supreme estimation of man. For what reason would it be advisable for us to dismiss this now? Do we suspend the unalienable rights to life at whatever point it would be generally reasonable? The US must ask itself whether it wishes to make an adage of putting esteem on human life. It must be recalled that by bringing down the estimation of life of others, we simultaneously bring down our own worth. Governments and establishments are made out of a totally unexpected dynamic in comparison to that of the person. This leaves man inquisitive with respect to whether to comply with a similar arrangement of ethics. These good issues lead to the subject of whether a man is answerable for what his government does. I am slanted to accept that either scholar would not imagine that the individual is completely answerable for the activities of his legislature insofar as they don't take an interest in the administration's dynamic procedure. It is conceivable to contend that, if all people

Friday, August 21, 2020

Why Do (Some) Credit Checks Lower Your Score - OppLoans

Why Do (Some) Credit Checks Lower Your Score - OppLoans Why Do (Some) Credit Checks Lower Your Score? Why Do (Some) Credit Checks Lower Your Score?There are two different types of credit inquiries: One type will affect your credit score, while the other wont affect it at all. Why is that?If you are tired of relying on bad credit loans and no credit check loans to make ends meet during an emergency, then you’ve probably looked into ways that you can improve your credit score. And in the course of that research, you’ve certainly come across a note that “recent credit inquiries” make up 10 percent of your overall score.While that might not mean much to you right now, the explanation is fairly simple: If a hard inquiry is run on your credit report, it will affect your score and likely cause it to dip. So why is that? Why would a credit check cause your score to go down? Shouldn’t actively monitoring your credit be a sign that you’re financially responsible.Well, it’s actually a bit more complicated than that. And besides, people checking their own credit doesn’t actually affect their scores. When it comes to hard credit inquiries and how they impact your credit score, here’s what you need to know.Here’s how credit scores (and credit reports) work.In order to explain credit checks, we first need to explain credit reports and credit scores. If this is a subject you’re familiar with, feel free to skip to the next section, as this will all be stuff you already know.Credit scores are based on the information contained in your credit reports, which are documents that track and compile your history as a credit user. Credit reports are created and maintained by the three major credit bureausâ€"Experian, TransUnion, and Equifaxâ€"and they cover the past seven to 10 years of your credit history.Credit reports contain information on how much you’ve borrowed and on what accounts, whether you pay your bills on time, how long all your different accounts (loans, credit cards, etc.) have been open, whether you’ve ever been sent to collections or filed for bankruptcy, and more. The only kinds of loans that won’t show up on your score are no credit check cash advances like payday loans and title loans.The most common credit score is the FICO score, which is scored on a scale from 300 to 850. The higher your score, the better your credit. It takes all the info on your reports and expresses it as a single three-digit number that summarizes your trustworthiness as a borrower. Another credit score is the VantageScore, which was created by the credit bureaus themselves.While the specific FICO formula is kept top-secret, we do know the basic contours. There are five main factors that go into making up your score: Most important is your payment history, which makes up 35 percent of your credit score, followed closely by the amount of debt you owe at 30 percent.The final third of your credit score is divided up between the length of your credit history (15 percent), your credit mix (10 percent), and your recent credit inquiries (10 percent) . So while credit inquiries only make up 10 percent of your overall score, theyre still important enough that a single inquiry could cause your score to drop. Why is that?There are two types of credit inquiries.A credit inquiry (also known as a credit check or credit pull) occurs when information from your credit history, including your credit score, is requested. But not all credit inquiries are the same. In fact, there are two types of credit inquiries: hard and soft.A hard credit inquiry almost always represents a request for new credit, as they occur when a potential lender or landlord is processing a loan or lease application. However, they can also sometimes occur when a person is being hired or considered for a promotion. Hard inquiries return a full copy of a person’s credit report.In order to run a hard pull on your credit, a business or individual must get your permission first. If you are applying for a personal loan and the lender asks you for permission to run a credi t check, then you know it’s a hard inquiry. These require your permission because they are recorded on your credit report and factor into the “recent credit inquiries” category.Soft credit inquiries, on the other hand, return more of an overview of your credit history and do not require your permission. Importantly, soft credit inquiries also do not affect your score. When you receive a “pre-approved” credit card offer in the mail, that means a soft pull has been run on your credit. The same goes for when you check your own credit score.That bears repeating: Checking your own credit score will not affect your credit!Hard inquiries mean requests for new credit. As we mentioned up above, hard credit inquiries are mostly run in situations where a person is asking for more credit, like applying for a new credit card or an online loan or a mortgage to buy a house. And when a person is asking to borrow more money, lenders need to ask themselves why.Lenders care about one thing a bove all else: Getting paid back. The purpose of credit scores and credit checks is to determine whether or not a potential customer is likely or unlikely to pay back the money they are borrowingâ€"plus interest.When a request is made for additional credit, this can be taken as a sign that a person isn’t able to meet their current bills and debt obligations, or that they are looking to spend beyond their means. This is why even a single hard inquiry can ding your score, usually around five points. However, the effect only lasts a year or two.Multiple credit inquiries within a short period of time, on the other hand, can lower your score even more, because it starts to look like you are desperate for more credit. And when someone is desperate to borrow money, that’s usually a sign that something has gone awry with them financially, meaning that they’ll be less likely to pay back the money they’re trying to borrow.There is one exception: Lenders want to encourage borrowers to shop around for the best deal, especially for larger loans. But shopping around means filling out multiple applications which means multiple credit checks which means your score dropping.In order to prevent this from happening, all credit checks for mortgage, auto, and student loans made within the same 45-day span are bundled together into a single inquiry. However, if you are shopping around for a credit card or an unsecured installment loan, you are unfortunately out of luck!To read more about credit scores, check out these other posts and articles from OppLoans:How to Raise Your Credit Score by 100 PointsWill Closing a Credit Card Affect Your Credit Score?Have Bad Credit? Here Are Two Things You Should DoHow to Build Credit When You Have No Credit at AllDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN  |  Instagram

Monday, May 25, 2020

The Race Based Affirmative Action - 1649 Words

A person has just obtained their dream ACT score, 34, while maintaining outstanding extracurricular activities throughout high school. After applying to the university of their choice, they are informed that they have not been admitted. Crushed and confused, they go on the university’s website only to discover that the university is looking for people with a more diverse racial background. Standing in the way of their acceptance is a defective policy formally known as race-based affirmative action. Informally called affirmative action, it is a combination of adopted policies that construct an advantage to minority groups, giving them more possibilities to succeed in jobs, education, and other aspects of daily life. The whole concept came†¦show more content†¦As affirmative action has become a simplistic strategy to decrease racial bigotry, it has developed into undermining the minority while producing favoritism. Additionally, the flawed policy has created preference within career fields and an academic mismatch among races. To eliminate this outdated system, financial-based affirmative action would serve as a revolutionary law that would help those suffering in poverty without highlighting the color of an individual s skin. This elementary strategy is actually having the opposite effect of what its main purpose was —to not discriminate against any race. Informally we call it reverse discrimination: colleges or employers will preferably pick minorities due to racial implications. In one university, this term is expressively used within the college admissions process. University of Michigan uses a â€Å"point system† to determine the chances of students getting into their school. The school admits students who receive 100 to 150 points from the university based on what criteria is met. The system gives out 20 points if you have enough of a diverse racial background; however, if you get a perfect SAT score, you only receive 12 points. 20% of the point system is based off of a student’s race compared 12% which is based off a student’s knowledge (Williams, 2001). In 2000, it was challenged and went to the Supreme Court for a landmark case where it was ruled unconstitutional for ha vingShow MoreRelatedThe Race Based Affirmative Action966 Words   |  4 PagesRace-based affirmative action has been challenged by a great deal of objection during the course of it duration. According to its opponents, Affirmative action proves to be inconsistent. Affirmative action based on race increases race consciousness instead of supporting color-blind justice. By giving people special consideration to ensure equality, it contributes to inequality. The constitution of the United States calls for equal treatment, therefore, allowing racial consideration poses a contradictionRead MoreRace Based Affirmative Action On Higher Education Essay1445 Words   |  6 PagesRace-Based Affirmative Action in Higher Education In 1961, President John F. Kennedy issued Executive Order 10925, which created the Committee on Equal Employment Opportunity, or CEEO. One purpose of the CEEO was to â€Å"recommend additional affirmative steps which should be taken by executive departments and agencies to realize more fully the national policy of nondiscrimination† (Kennedy). This executive order planted the seeds that grew into what is today known as â€Å"race-based affirmative action,†Read More Affirmative Action - The Battles Against Race-based Educational Plans2292 Words   |  10 PagesAffirmative Action - The Battles Against Race-Based Educational Plans Californias decision in 1996 to outlaw the use of race in public college admissions was widely viewed as the beginning of the end for affirmative action at public universities all over the United States. But in the four years since Californians passed Proposition 209, most states have agreed that killing affirmative action outright would deepen social inequality by denying minority citizens access to higher educationRead MoreAffirmative Action Is The Perfect Plan1173 Words   |  5 PagesAffirmative Action On March 6th, 1955, President John F. Kennedy signed executive order 10925 enforcing that government corporations not discriminate against anyone based off their race and skin color. This became â€Å"positive† discrimination otherwise known as affirmative action. Affirmative action is a method benefiting anyone who have experienced discrimination particular to one’s education and/ or employment (Affirmative Action). In today’s age affirmative action is creating â€Å"reverse racism† dueRead MoreThe Precedency: Supporting the Affrimative Action Essay1486 Words   |  6 PagesAffirmative action is a government policy that gives opportunities to minorities, women, and any group who has been the victim of discrimination in the past. Affirmative action is the outcome of the 1960’s Civil Rights movement, growing out of the Civil Rights Act of 1964 which outlawed discrimination based on race, ethnicity, or gender. It was the 1978 Supreme Court decision , The Regents of the University of California v. Bakke, which allowed for the use of race-based preferences as a means ofRead MoreAffirmative Action Is Important For The Future Of The Diversified Generations Of America Essay1641 Words   |  7 Pages Affirmative Action In Martin Luther King’s I Have a Dream Speech, he states â€Å"I look to a day when people will not be judged by the color of their skin, but by the content of their character† for this reason affirmative action in higher education admission should alter for it creates a perpetual racial preference in admission. Affirmative action is controversial due its issue of whether the generation of today should pay for the past injustices done to certain ethnicities. It questions the constitutionalityRead MoreAffirmative Action Should Not Be A Program1540 Words   |  7 Pagesmodern American government and yet is still very active today. Affirmative action is defined as â€Å"the practice of improving the educational and job opportunities of members of groups that have not been treated fairly in the past because of their race, sex, etc† (Merriam-Webster). Affirmative action creates a blatantly unfair advantage in college and job applications to non-minority races and is ultimately a racist law. Affirmative action is most prominent in the College admission process, where itsRead MoreAffirmative Action And Its Effect On Society Essay1639 Words   |  7 Pagesthe emotions that judging based on a person’s race is wrong. For this reason affirmative action in higher education admission should alter for it creates a perpetual racial preference in admission. Affirmative action is controversial due its issue of whether the generation of today should pay for the past injustices done to certain ethnicities. It questions the constitutionality of its existence and whether it perpetuates racial discrimination. Although affirmative action greatly promotes diversityRead MoreThe Issue Of Affirmative Action Essay1667 Words   |  7 Pagesthe content of their character† for this reason affirmative action in higher education admission should be altered for it creates a perpetually racial preference in admission. Affirmative action is controversial due it s issue of whether the generation of today should pay for the past injustices done to certain ethnicities. It questions the constitutionality of its existence and whether it perpetuates racial discrimination. Although affirmative action is a great start in promoting diversity and exposingRead MoreAffirmative Action Essay968 Words   |  4 Pagescertain race or gender predetermined one’s opportunities in life. African Americans were subjected to slavery and discrimination and women had very little liberty. In the present, the United States is much closer to equality, yet gender and race still play a role in life’s opportunities given the high frequency of affirmative action programs; they attempt to increase the representation of minorities on college campuses and in the office, regardless of virtue. Programs of affirmative action arouse

Thursday, May 14, 2020

Book Review Divided Highways Essay - 520 Words

Since the beginning of the United States the American people have been on the move. Public transportation has played a major role in the development of this nation and in bringing its citizens together. In the book â€Å"Divided Highways†, author Tom Lewis takes the reader on a journey of the building of the Interstates and the consequences(good and bad) that came from them. Lewis believes that the Interstates are a physical characteristic of America and that it shows â€Å"all our glory and our meanness; all our vision and our shortsightedness†(xiv). Throughout the book Tom Lewis goes back and forth between the good and bad that came about from building highways. While the paved roads connected our country, made travel time faster, provided†¦show more content†¦Overall, I thought this book had great arguments about why or why not highways have been a good thing. It includes enough history and evidence for the reader to take what their reading and to form their own logical opinion about the highways. The book also does a great job at showing both sides of the perspective and not just going against or for highway system. An area in the book that I think Lewis could have done a better job at is giving the reader more of a before hand history of what life and transportation was like before the spread of the automobile. Also, another weakness of the book was that the author went into too much detail about the personalities and characters of the men involved in the building of the highways. I found these parts of the book unnecessary and quite a bore to read. This book changes the way people should think about the Interstate highways because it shows how much people do rely on them; maybe even too much. The book also makes one think about how much money we spend on gasoline and our reliance on foreign oil companies. The highways are a statement of what the American people are. The Interstate system was a great engineering feat, and it changed the landscape of the United States. It is a controversial subject, but it does reflect us as Americans. Lewis say, â€Å"the Interstates have reflected our shifting attitudes about technology, landscape, community, race relations, and the quality of our lives. Indeed,Show MoreRelatedResearch Methodology For The Research1255 Words   |  6 Pagesone of crucial part in research, in order to ensure the research can be done in the systematic way Overall, this chapter will discuss on the research frame and the methodologies used in order to meet the research objectives. Research process been divided into three main parts there are preliminary research part, data collection and last one data analysis. Research Methodologies Research methodology is a way how the research is conducted step by step and in order. There are two methods used for dataRead MoreWhat Did The Farms? A History Of Development?1606 Words   |  7 Pagesoldest English settlements in New Jersey and all of America. Its strategic placement along the Raritan Valley led to the â€Å"later establishment of towns like New Brunswick, Bound Brook, Somerville†¦ and even Princeton,† according to Walter Meuly in his book The History of Piscataway Township: 1666-1976. Piscataway, which started off as a largely agricultural community, now embodies the quintessential American suburb. It has a mix of residential, commercial, and industrial zoning that has made it moreRead MoreThe Government Into A Viable Operating Legislation1345 Words   |  6 PagesIf James Madison were here today he would be pleased to see how his thinking has molded the government into a viable operating legislation. Using the policy procedures depicted in All Roads Lead to Congress: the $300 billion fight over highway funding by Costas Panagopoulos and Joshua Schank, this essay will identify key areas within the amendment process of the â€Å"Safe, Accountable, Flexible, and Efficient Transportation Equity Act – A Legacy for Users† (SAFETEA-LU), where James Madison’s beliefsRead MoreJohn Perkins Is An American Novelist1088 Words   |  5 Pagesreflected his experience as EHM responsible for economic colonization of Third World Countries working undercover as instructed by U.S Government. He is also known to portray difficult aspects of aboriginal cultures including shamanism. His famous books include Shape Shifting, The World Is As You Dream It, Psycho-navigation, The Stress- Free Habit Spirit of The Shuar. Confessions of An Economic Hitman By John Perkins, United States, Berrett-Koehler, 2004, Pages- 250, ISBN: 9780091909109, NZ$19Read MoreThe Swimmer, by John Cheever1513 Words   |  7 PagesJohn Cheever develops the theme of the passage of time in his short story, â€Å"The Swimmer†, through the use of symbolism, characterization, and motifs. Symbolism is a major literary element in â€Å"The Swimmer†, with the highway being a notable symbol in the latter half of the story. The highway represents an obstacle in Ned Merrill’s life, a challenge that he has no choice but to overcome. In the story, Cheever writes, â€Å"†¦ he [Ned Merrill] found himself unprepared†¦. At what point had this prank, this jokeRead MoreEssay on TASK 2 Develop Options for CI MICI 1664 Words   |  7 Pagesstudy present in the text book in which the main target is the Innovation and improvement. All minute specifications and details about the strategies and enhancing polices are discussed under this literature review. Concluding with the suggestions and recommendations to improvise the existing business policies to make it a profitable venture for the organizations. 2. GOAL AND OBJECTIVES: The main goals and objectives of this research report is to analyze a detail review regarding the task ofRead MorePraying for Sheetrock: A Work of Nonfiction2027 Words   |  9 Pagessynonymous in the state with good-old-boy political chicanery. For example, one of the effective ploys to keep the black citizenry in line was to allow them to plunder wrecked transport trucks on busy U.S. 17. From the aftermath of just such a wreck, the book gets its title, and for a people as dependent on miracles as on the economy to get by, God took on the epithet of Sheetrock- Deliverer. Finally one man, a disabled black boilermaker named Thurnell Alston, decided his community could no longer dependRead More Serial Killers Essay1890 Words   |  8 PagesSerial Killers Introduction to Psychology Introduction In the past two decades, the creature known as the serial killer has captured the attention of the American culture. With the dozens of books and movies centered around serial killers the term has become a trendy catch phrase, replacing earlier terms such as homicidal maniac. Fiction and screenwriters use the term serial killers with such casual abandon that is seems the meaning of the term escapes them. Acknowledgements IRead MoreThe Difference Between Products And Brands Essay1885 Words   |  8 Pagesmarket for smartphones. Nevertheless, this case approaches the Greek yogurt producer, Chobani, and the Greek yogurt submarket in the United States. The trajectory of the company allows for a well-rounded analysis of corporate development and is divided into three time frames: the founding years (2005-2010), the years of increased competition and struggle (2011-2013), and finally the present years of relative stability (2014-2016). Chobani has shown since its founding that a company can truly thriveRead MoreTen Principles of Economics2000 Words   |  8 Pagesgiven up to obtain it. It is the relevant cost for decision making. HOW PEOPLE MAKE DECISIONS Principle #2: The Cost of Something Is What You Give Up to Get It Examples: The opportunity cost of†¦ †¦going to college for a year is not just the tuition, books, and fees, but also the foregone wages. †¦seeing a movie is not just the price of the ticket, but the value of the time you spend in the theater. TEN PRINCIPLES OF ECONOMICS 6 TEN PRINCIPLES OF ECONOMICS 7 HOW PEOPLE MAKE DECISIONS Principle #3:

Wednesday, May 6, 2020

Standardized Test Argument Essay - 843 Words

Argument Essay Standardized tests are defined as the test directed and given in a standard way. From the 1800s, the standardized test has been an important aspect of the education sector and has been a primary factor to evaluate academic proficiency and sole criteria for admissions as well as scholarships. There are millions of international students like me who are forced to give TOEFL and SAT to fulfill the criteria for admissions as well as scholarships in America. But as soon as I finished the testing, I realized how unfair, subjective and unreliable these tests are. Therefore, I believe standardized tests should not be a sole measure to evaluate the academic competency of a student as it is unreliable due to its faulty format and†¦show more content†¦Standardized tests are also unfair to the students have disabilities and special needs as they are not accommodated with special priorities and support and are often disregarded during the standardized tests. As per the article Is the Use of Standardized Tests Improving Education in America? , standardized tests are not objective as sometimes scores of standardized tests also vary due to subjective decisions made during test design and administration ( Standardized testing can result in extreme stress in students and ultimately can lead to low scores in these tests. Some students are terrible test takers because they get anxious and cant attentively focus on tests. Despite the fact that the test should be standard and ought to give fair outcomes, the terrible test takers are at a major drawback as they have no other way to prove their knowledge except standardized tests. Desiree Bottigliero states that test-related jitters among students are so common that the Stanford-9 exam comes with instructions on what to do with a test booklet in case a student vomits on it. While some students who don’t have test anxiety routinely, they feel tremendous strain to do their best when standardized tests like the SAT, the ACT, the GRE, the GMAT are compulsory for admissions and scholarships. People who are in favor of standardized tests like Katherine Schulten saysShow MoreRelatedThe Pros And Cons Of Standardized Testing1458 Words   |  6 Pagesor ACT. The ACT and SAT are both standardized test used by colleges to determine the knowledge of a student and predict what their performance will be in their first year of college. An immense amount of pressure is put on student to receive certain scores in order to obtain scholarships and admission into college. Even just one point on a student’s score can determine if they will be accepted into their dream college. However, the results from standardized tests, such as the ACT and SAT, are oftenRead MoreStandardized Testing And Its Impact On The Classroom1633 Words   |  7 Pagesare even apparent in standardized testing and academia as test writers and teachers can unintentionally degrade students with a seemingly innocent statement. Standardized tests are allegedly supposed to test student’s knowledge of wha t they have learned or previously known. The tests also reflect the academic progress of the school to determine the quality of education that the school provides. Standardized tests seem to be an unbiased way of determining skill, but the tests do not take into accountRead MoreAnalysis Of The Cartoon I Looked At My Cartoon ``976 Words   |  4 Pagesthat could be applied. One After further analyzation, I found that Kal’s most significant claims were about the â€Å"difficulty students face during standardized testing† but also about the way that â€Å"modern-day school systems are working to ensure the passing of their students in standardized testing while not preparing their students for higher-level tests such as college entrance and college-level exams.† (Rhetorical Analysis, Gabriela Brooks). When examining symbolism, I tried to look at more thanRead MoreThe Shortcomings of Standardized Testing1636 Words   |  7 PagesChild Left Behind program, standardized testing has become the norm for American schools. Under this system, each child attending a school is required to take a standardized test at specific grade points to assess their level of comprehension. Parents, scholars and all stakeholders involved take part in constant discussions over its effectiveness in evaluating students’ comprehension, teachers’ competency and the effects of the test on the education system. Though these tests were put in place to createRead More The Debate Over Standardized Testing Essay1287 Words   |  6 Pagesstudents sit perched over their desks in the process of taking standardized tests. As the students take the tests, teachers pace nervously up and down the rows of their classroom, hoping and praying that their students can recall the information which they have prese nted. Some children sit relaxed at their desks, calmly filling in the bubbles and answering essay questions. These children are well prepared and equipped to handle their tests. Other children, however, sit hunched over their desks, ponderingRead MoreThe Importance Of Standardized Testing In Education1140 Words   |  5 PagesThe standardized test has become the staple of the United States K12 education system. Students at all levels are routinely tested, and schools evaluated based on the scores. It’s easy to look at this as a necessary part of the system, a needed way of assessing both school and individual student performance to ensure quality across all schools. These tests are regarded as a tried-and true way of doing this, when in reality they are neither old nor accurate in assessment. I move in this essay thatRead MoreStandardized Testing and Curriculum Standards Essay1188 Words   |  5 PagesStandardized Testing and Curriculum Standards It cannot be said that all assessments are unnecessary and academically limiting for students. If teachers are to know their students’ strengths and weaknesses, they must formulate a way in which to assess their knowledge. In order to create a curriculum adherent to the most specific needs of a teacher’s class, assessment must play a role when devising the course of action for the academics taught. This does not mean that all standardized testing isRead MoreResearch Paper over Standardized Testing1330 Words   |  6 PagesCatherine Burgess 1 Burgess 1 Mrs. Edmonds English 3 AP 2/20/2013 Standardized Testing The current period of learning is being determined by standardized testing, and has become the main focus of many arguments within the education system. Students all over the United States are being subjected to standardized tests often throughout their years in school due to legislation that has been set by Government over the past several years. While there are many upsides to the reasonsRead MoreThe Effect Of Fine Arts On Standardized Tests Scores993 Words   |  4 PagesOne of the largest issues with fine arts implementation is the narrow effects. Garcia et. al conducted research that attempted to determine the effect fine arts have on standardized test scores. The researchers found that specific students attending schools with dense fine arts programs scored higher on the state standardized test; however, this improvement does not imply that fine arts will effectively cure the education decline. When analyzing the results, one sees that the fine arts mainly affectRead MoreDi sadvantages Of Standardized Testing Essay1143 Words   |  5 PagesAdnanur Chowdhury Alex Kurian English 1301 9 November 2017 Disadvantage of Standardized testing system American Education has remained a work in growth for the earlier century. Standardized testing has been used to compare state, nation and school. The main focuses being tested as a worldwide measure are science, mathematics and reading. The impression behindhand statewide or national testing is mostly that all students are learning the similar stuffs at the same period so every student are on the

Tuesday, May 5, 2020

Theory and Investment

Question: We have seen over long periods of time, Stock Investments have tended to substantially outperform bond investments. However, it is not at all uncommon to observe investors with long horizons holding entirely bonds. Are such Investors Irrational? Answer: It is true that the investment in shares have increased substantially in the recent past years. The investors are now switching the conventional investment options such as bonds and fixed deposits. The share market provides variety of investment options with high returns which attracts the investors more. However, there are investors which still prefer the conventional investment options such as bond and fixed deposits. These investors are risk averse investors and they hesitate in taking high risk. The share market provides high return but at the same time it also exposes the investor to high risk (Elton et al., 2009). Conversely, the investment in bond provides lower returns but it also reduces the risk. Further, the investment in bond adds to the stability to the income of investor as it provides periodical returns in the form of interest. Therefore, it could be inferred that the investors who still prefer investment in the bonds are not irrational rather they are risk averse. Reference Elton, E.E., Gruber, M.J., Brown, S.J., Goetzmann, W.N. 2009. Modern Portfolio Theory and Investment Analysis. John Wiley Sons.