Irish Music Assignment Essay Example for Free

Irish Music Assignment Essay The term Sean-nos or traditional Irish singing in the Irish Language, is a style of singing, which is rooted in the Gaeltacht regions of the Ireland. There are three main styles of Sean-nos, corresponding to the three areas where Irish is still spoken as a community language, the Gaeltachtai of Munster, Connacht and Ulster. Munster Gaeltachtai includes parts of Kerry, Cork and Waterford, the Connemara region of Connacht and the Ulster Gaeltacht in Donegal. Although Sean-nos is practised outside these areas, only in these 3 areas would it be the most popular. Even though all these areas have all share the same interest in singing they all have there own unique ways of performing Sean-nos songs. Sean-nos singing is normally unaccompanied and performed as a solo art. The person who sings a Sean-nos song is usually telling a story through the song by combining many vocal techniques, especially through the use of ornamentation and variation. Sean-nos singers use different techniques to ornament the performance of a song, One syllable in a word can be sung to several notes and the notes can be varies from verse to verse. Sometimes the notes to be ornamented can be adjacent to each other and at other times the gap between them is wide. This style of singing is confined mainly to Munster. Different notes can be stressed for a particular effect, or a note can be held over several beats. for example the famous Sean-nos singer from munster Iarla Ó Lionà ¡ird shows off these techniques of Ornamentation and variation in his most recent album Foxlight which was released in September 2011. Another obvious difference between the Sean-nos style of singing can be seen in the Ulster style. Donegal sean-nà ³s has been heavily influenced by Scots Gaelic song, which is much less ornamented than sean-nà ³s. Donegal singers tend to keep a steady pulse throughout the song. The melody is presented with minimal ornamentation grace notes, and may also contain a steady pulse throughout the song. The Donegal style of Sean-nos singing can be heard through Doimnic Mac Giolla Bhrà ­de who is a well known sean-nà ³s singer from Gaoth Dobhair, Co. Donegal who was the winner of Corn Uà ­ Riada, the Oireachtas sean-nà ³s singing competition, in 2009. Dominic released his own album in 2004 called Saol na Suà ¡ilce, presenting us with the unique Ulster style of Sean-nos singing Like the Munster style of singing Connacht Sean-nos singing in the Connemara area is also highly ornamentated with forms familiar to a traditional instrumentalis and also alot of variation making it difficult to tell the difference between the two, Seosamh Ó hÉanaà ­ from Connemara a famous Sean-nos singer that passed away in 1984 had recorded hundreds of songs using his distinct Connemara style of singing.

Relationship Between Teacher And Students

Relationship Between Teacher And Students Similarly according to Moloi et al. (as cited in Mtika Gates, 2010), group work is one of the strategies that can be useful in student-centered approaches. It does not only help students to discuss and share ideas with each other, but it also helps to improve students understanding of some concepts and develop their communication skills. In the student-centered classroom, the teacher has to think of students needs and the classroom is considered as a place where students work together, in groups and as individuals by encouraging them to take part in the learning process all the time (Jones, 2007). In the student-centered classroom, the teacher should know about their students background. Teachers should consider what they may know or do not know about their students because it helps to create the classroom conditions that are responsive to the learning needs of the students (Hodson, 2002). Furthermore, in social constructivist classrooms the relationship between teacher and students are much more dynamically involved, so that the teachers role is much more demanding to allow and actively promote recognition, evaluation, and reconstruction (Gunstone and Northfield as cited in Hand et al., 1997).   Ã‚  Ã‚  Ã‚  Ã‚   The size for effective student-centered classrooms can be organized into large group (class with 25-30 students), medium size (5-8 students), small group (3-5 students), pair group (2 students) and a teacher and a student (only in special condition) (MoEYS, 2002a). Furthermore, classroom arrangements, especially classroom space and resources like chairs and tables for large group activities are also important because appropriate resources helps to support the effectiveness and efficiency of instruction to the students. 2. 4 Definition of the Student-Centered Approaches to Learning   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The terms student-centered approaches  and learner-centered approaches  to learning are the same and whilst some articles used the term student-centered approaches and other articles used the term learner-centered approaches, the two terms were used interchangeably. Both terms focus on the needs of students who as learners are actively involved in the learning process (Utecht, 2003). The term student-centered approaches is used in this study because this term is formally applied in Cambodian curriculum and ministry educational literature. Moreover, the student-centered approaches are broader for example, a student can be defined as learner, but a learner may not be defined as student. For example, a man wants to know about the educational law in Cambodia, so the man can go to library or search in the MoEYS website to read and learn about the law. The man therefore is not a student, but he is a learner.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The student-centered approaches to learning are defined as teaching methodologies associated with an approach to learning where students are the main characters in the learning process, and actively learn in a socially interactive way (Brush Saye, 2000). The student-centered approaches are designed to assist students to learn best from meaningful life experiences, social interactions, and scientific experimentation (Pedersen Liu, 2003).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The student-centered approaches to learning focus on individual students needs and growth, because these approaches are intended to develop the potential of every individual student and encourage their personal growth and interests (Morris, 1996). The student-centered approaches are also considered effective alternatives to the traditional teacher-centered approaches. Similarly according to Courtney (2008), it looks very different from the traditional didactic teaching methods that are widely applied in Cambodia. These traditional teaching methods depend on the direct instruction of the teacher and verbal and written repetition with little emphasis on understanding but strong emphasis on memory and recall. Kember (as cited in ONeill McMahon, 2005) and Hirumi (2002) stated the student-centered approaches are in contrast to the traditional teacher-centered approaches. In the teacher-centered approaches, teachers are at the center of the learning and teaching p rocess and provide instruction to students; the students are the empty vessels into which the teacher pours their knowledge. This view contrasts sharply to that of constructivist theory where we see that students are central to the learning process, they are not viewed as empty vessels but rather actively participate in making knowledge by thinking and solving problems for themselves, and developing their self-esteem that is essential for learning and decision-making throughout life (American Psychological Association, 1993; Hirumi, 2002; MoEYS, 2005).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The core principle of the student-centered learning approaches is that students have different abilities, needs, and interests for how they learn, and they construct knowledge and meaning and learn in different ways (Brady, 2006; Murdoch Wilson, 2008; Hirumi, 2002). The American Psychological Association (1993) stated that students have various capabilities and interests for learning. Individuals are born with and develop unique capabilities and talents and have acquired through learning and social acculturation different preferences for how they like to learn and the pace at which they learn (American Psychological Association, 1993, p. 9). According to Meyer Jones (as cited in Hirumi, 2002), in the class students talk, listen, write, read, and reflect on content, ideas, issues, and concerns in order to construct their own meaning. In student-centered environments, learners are given direct access to the knowledge-base and work individually and in small gr oups to solve authentic problems (Hirumi, 2002, p. 506). Similarly, according to Jones (2007), a student-centered class is a place where students needs are considered, as a group and as individuals, and students are encouraged to participate in the learning process all the time. At different times, students may work alone, in pairs, or in groups.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   As a theory of epistemology, constructivism proposes that students bring their existing experiences and beliefs, as well as world views and their cultural histories, into the learning process when they internally build knowledge by interacting with the environment (Yilmaz, 2008). Constructivism is considered as a process that students actively construct their knowledge upon knowledge that they already have (Motschnig-Pitrik Holzinger, 2002). Social constructivist, Vygotsky believed that learning is a social process in which learners developed understanding through interaction with the environment around them (Brush Saye, 2000, p. 5). According to Jonassen; Duffy Jonassen (as cited in Brush Saye, 2000), the need for more student-centered learning activities have been promoted by the supporters of the constructivist epistemology of learning.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In short, the key characteristics of the student-centered approaches to learning emphasize students  prior knowledge and experience, developing Bloom Taxonomy thinking skills, especially critical thinking and problem solving, exploring individual learning needs and interests, promoting active student involvement, and developing motivation for life-long learning (American Psychological Association, 1993; Brush Saye, 2000; Hirumi, 2002; Mtika Gates, 2010). However, there is no single strategy that helps students to have effective learning all the time and there is no teaching strategy that is better than others in every circumstance. Each teaching strategy has its strength and weakness, so teachers need to make decisions and chose teaching strategies that help their students to achieve the learning outcomes (Killen, 2003). Similarly according to Hab Em (2003), to choose and effectively apply a teaching strategy the teacher has to judge many times because s electing an appropriate teaching strategy is based on the decision whether we provide knowledge to students through direct instruction (teacher-centered approaches) or indirect facilitation (student-centered approaches). 2. 5 Student-Centered Learning as Adopted by the Cambodian Ministry of Education   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   2.5.1 Vision of learning and teaching   Ã‚  Ã‚  Ã‚  Ã‚     Learning has many styles such as learning by seeing, listening, writing, reading, watching television, self-experiment, practice, thinking, playing games, study tour and so on. These styles of learning provide knowledge to the learners. However different learning can have different result. Learners may produce different learning outcomes with a different learning style to another student (MoEYS, 2002b). For example, those who learn by listening will forget all or remember a little after several days. Those who just stand and see people swimming cannot swim, but if they learn to swim themselves, they can swim effectively. People therefore can do something when they involve themselves. According to Confucianism, it is believed that If you tell me, I will forget. If you show me, I may remember. But if you involve me, I can do and understand (MoEYS, 2008).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The Cambodian governments vision of the purposes for learning and teaching roles has gradually changed between societies and from one a period of time to another (MoEYS, 2002a). Previous teaching methods considered effective and appropriate was when teachers were considered to be the knowledge providers. Teachers provided knowledge and told students, and students listened to teachers and followed teachers without developing their own ideas or understanding. In this context teachers had the power because they had the knowledge that students needed to be able to progress through the education system. This vision was later officially abandoned because the learning outcomes were considered unsuitable to both the needs of the country for skilled thinkers and they compared poorly to the wider international educational context.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In the following period, another new teaching method was integrated called question and answer method. The teacher raised questions and the students answered. This method was adopted in the belief that it would bring better results for students. The question and answer method was later changed and reformed to what was known as the active method because this method required much relationship between teacher and students. For the last vision, it was believed that creation only relationship between teacher and students was not enough. To have better result for students, relationship between students and students must be created in the teaching and learning process. Teachers have to prepare students to work in groups, so students can exchange their ideas, work cooperatively, and help each other in learning. This last vision is a very important part of student-centered approaches (Hab Em, 2003; Inspector, 2002; Ung, 2008). These approaches to learning and teachin g shifted the power reposition of the teacher from one who held all the knowledge to a more equal one where teachers partner with, sometimes lead, their students into new understanding and knowledge.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   2.5.2 Principle and theory   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Theories that are applied and relevant to teaching and learning in the current Cambodian school system are: Learning is creating new knowledge Learning is exchanging experience (Inspector, 2002)   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The theories of learning above are also clearly identifiable as concepts of constructivism. Although constructivism is not a theory of learning, the principles have been applied by many educators in teaching and learning, especially, but not only, in science education (Han et al., 1997; Yilmaz, 2008). Constructivism emphasizes that knowledge and meaning are constructed by the human mind; in effect learners create links between their existing knowledge and new experience and make new knowledge structures and meaning (Yilmaz, 2008).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The role of teachers and students are changed by the adoption of the student-centered approaches to learning. Students are given greater responsibility for their learning and the teachers roles change where they become more coordinators or facilitators of the learning experiences. Students are encouraged to explore the knowledge by themselves and with other learners and the teachers help the learning process by showing students paths of knowledge. In this new role in the classroom, the teachers become part of the learning process and acts as a guide and a resource for the students (Utecht, 2003). Furthermore, the importance of school is to provide multiple opportunities to students to create knowledge and understanding by themselves through research, real experience and solving problems.

Saving behaviour of Malaysian university students

Saving behaviour of Malaysian university students The purpose of doing this research is to determine the factors that influence the saving behavior towards private and public university students in Malaysia. There is an introduction regarding the research background about the factors influence the saving behavior towards private and public university students in Malaysia. For information, it determines the objectives of entire research and also justifies significant of research which outlines the purpose of this research. In addition, it also provided the definition for important terms throughout the research. With the rapid development of the financial system and the broader array of financial products and services available to consumers, there is an increasing need for Malaysians to make wise savings and investment decisions that will have lasting implications for their financial well-being. Due to the many peoples lack of the skill to manage their financial status, financial problems increase day by day. As a result, the understanding of the important of saving behavior and a clear picture of this matter is an important element to us. We are required to get a full answer from the problem. Previously there are a lot of researches had been done by other researcher. However, the studied is not well enough to give an insight or the key for the problem. The research is going to identify research problems by gathering all relevant and appropriate sources to support the statements and see how other researchers have perceived regarding the topic area. All data collected from previous studies are used to demonstrate the relationship between independent and dependent variables and it will show how independent variables make impact on the dependent variable. Chapter 2 Literature Review 2.2 Independent Variables 2.2.1 Demographic Factors Soo (2009) explained that demographic variables played a significant role in explaining attitude toward saving. However, when demographic variables were not considered, characteristics of saving goals and individual regulatory orientation were significantly related to attitude toward saving. In addition, the effect of saving goals was moderated by a households regulatory orientation. Moreover, it was concluded that saving goals affect attitude towards saving and saving behavior among peoples. Based on Jehad (2007), understanding the demographic problem behind the saving patterns is benefits for designing effective public policy. Age According with Joe, Hadley Balasundram (2002), many college students were unworried about their own financial status, future wealth, and retirement planning. Thus, the attitudes of the preschool children toward saving can consider an important personal characteristic because it may give an impact to them for their future life. (John Andrew, 2002). Nowadays young generation have low level of financial literacy, which due to their uncontrolled expenditure behavior. In the advancing ages, it would be quite difficult for an individual to develop the habit of systematic manage their financial planning (Pillai, Rozita Rachel, 2010). Due to the age factor, youth lack of the skill of financial literacy compared to middle-aged and older adults who have more experienced in financial planning (Pillai et. al., 2010). Besides, based on Elsa, Annamaria Chiara (2009), older individuals may have little discretionary saving the reason is because the amount of saving is already providing for their future retirement needs. From the research of Mohamad Maurice (2010), students who had late enrolled in their childhood consumer experience were considerably less likely to report financial problems. Moreover, Students are never required to educate themselves on personal finance. Once they enter the workforce, they will likely not take the time to become more financially literate and will not adequately prepare for their retirement (Chris Oliver, 2011). In contrast, the younger generation and the elderly save very little primarily due to their lower income, respectively. Thus, the life cycle hypothesis implies that private saving rises with a higher percentage of the working population, and falls with a higher percentage of the younger generation and aging population .According to the life cycle hypothesis, the middle age groups were categories to be the best in managing their saving. The life cycle hypothesis also suggests that young and old groups are the least likely to save because of their situation (Jehad 2007). A positive relationship between age and saving has been reported in many studies (Chang, 1994; Johnson Widdows, 1985; Browning Lusardi, 1996). Browning andLusardi documented a complex relationship between age and saving. Using crosssectional data, they concluded that elderly savings can be complicated by a cohort effect. Generally, people reaching maturity at different times might vary their attitude toward risk and borrowing, consequently affecting their saving rate. Using panel data, Hurd (1990) reported a decline in wealth among the elderly, suggesting a negative relationship between age and saving. Other studies compared the actual saving rate of different age groups with the expected saving rate based on economic models. Browning and Crossley (2001) concluded that while the elderly dissave, their actual dissaving rate is not as large as that predicted by an economic model. Avery and Kennickell (1991) found that age groups older than 65 saved more than what would be expected ba sed on an economic model. Gender According with Maria Stephanie (2002), studies in the field of psychometrics had found out that female attitude toward risk differs from male and demonstrates that gender is a powerful determinant of risk attitudes and judgments. The Study of John Andrew (2002) had show that the mothers attitudes are systematically both more important and than man. It can be said that female students were more likely to engage in savings behavior than male students (Maria et. al., 2002) In addition, according from Mohamad, Maurice, Jariah, Tahira Mohd (2008), female students had greater financial well-being than male students. From Angela, Urvi Erik (2008), it stated that women wealth has historically been lower than men. Moreover, the results of the current study had showed that there has an existing of the differences within saving behaviors between men and women (Angela et. al., 2008). Patti (2010) had reported that women who were in poor health condition were seldom to make their saving in the short period, while poor health condition did not significantly influence the short term saving of men. Furthermore, Patti et. al., (2010) has shown that the economic wellbeing and financial behaviors of male and female differ significantly. Female hold lower levels of wealth and have significantly lower earnings than male. Gender based differences in behavior that are systematic and widespread can influence consumptions, savings, investment and the level of risk taking at aggregate level were mentioned by (Szekeres et. al., 2010). The researches on developing countries proved that women may have a stronger preference than men for buying goods and services that contribute to the human capital of their children, such as food, education, and health care (Valeria, 2010). The study of Szekeres (2010) show that the term of gender refers to socially learned behaviors that are associated with females and males. Parents Marital Status David (2010) the analysis indicates that marital-status transitions play an important role that can impacts on personal saving decisions especially in the cases of widowhood and divorce. It stated that, when people get married, form a family, or separate through divorce or widowhood, they can experience dramatic changes in their financial positions. Therefore, the marital status and children almost certainly affect household resources, preferences, and background risk, and these elements lie at the heart of any analysis of optimal asset allocation and wealth buildup over the life cycle. In addition, households experience an increase in wealth due to the merging of the spouses assets after they marriage. Moreover, household heads of each gender must engage one of five states at the beginning of each age. They can be married, divorced, widowed, never married, or deceased. According to Berkay (2010), it suggested that the legalization of divorce led to a significant increase in the propensity to save by married individuals, which is consistent with individuals saving more as a response to the increase in the probability of marital breakup. Moreover, from the same research, some theoretical work has made a challenge to introduce marriage and divorce explicitly in a model of savings. It argued that different channels through which marital transitions can have an effect on consumption and savings. Avery and Kennickell (1991) reported that during a three-year period the wealth of those married or single (for the entire period) increased, which indicated saving. However, wealth decreased for those whose status changed between 1983 and 1986. Rha, Montalto, and Hanna (2006) discovered that households with single heads and children, households with married heads and children, and households with single female heads without children were less likely to save, relative to households with single male heads without children. Households with children tend to save less (Douthitt Fedyk, 1989; Bosworth et al. 1991; Browning Crossley, 2001; Freyland, 2004; Deaton, 2005). Ethnicity According to Yusof, Erik Bart (2000), there were large fraction of the ethnic Malay work in low-wage industries, whereas the ethnic Chinese and Indians frequently work in high-wage industries. For information, Mohamad Maurice (2010) were found that it has a negative coefficient indicating that Chinese students were substantially less likely to have effective financial behavior than the reference category such as Malay, Indian and others. Perry and Morris (2005) used data from the 1999 Freddie Mac Consumer Credit Survey to examine responsible financial behaviors, such as saving money. They found low-income African Americans were more likely to engage in responsible financial behaviors than their low-income White counterparts. The research did not find a significant interaction effect between race and income with respect to responsible financial behaviors for the Asian and Hispanic groups. Rha, Montalto, and Hanna (2006) found that households with a White respondent were more likely to save than those with Black or Hispanic respondents. They also found that Black households were significantly less likely to save than White households. However, Hogarth and Anguelov (2003) found that Hispanics were more likely than Whites to be savers. Their results showed no differences among Blacks, Whites, and other races in likelihood of being a saver. 2.1.2 Family Structure An additional child might cause a negative influence on a familys ability to save while. On the other hand, it may boost up the parents desire to save more (Tim, Sandra, Roslyn, Robert, 2006). The studies of Kathy (2009) had mentioned that the geographical redistribution of financial infrastructure, away from lower income communities, has resulted in geographical pockets of financial exclusion, economic decline, poverty and deprivation, as low-income households often do not have access to financial institutions and savings incentives. Additionally, low-income consumers often have to suffice with lower quality goods and services. They may have no choice but to purchase second hand goods, an option that is almost always viewed as second best (Joseph et. al., 2009). Besides, Additionally one can speculate about whether students from wealthy families might have had more and earlier consumer experience and greater financial socialization, so that those who scored higher on those predictors might also be able to rely more on their parents to assist them after graduation (Mohamad Maurice,2010) From the research of John Andrew (2002), it shows that parents wealth residuals are correlated to childrens wealth residuals. In other words, parents who save more than expected are more likely to have children who also save more than expected even after controlling for parental wealth. In addition, the first prediction of the model of the research were the savings behavior of children should be similar to that of their parents, controlling for income, age and other demographic variables. Thus, children observe parents consumption and planning behavior and may learn, or simply absorb, particular attitudes that affect savings behavior. Furthermore, homogeneity within communities and heterogeneity across communities could lead to relationships between parents and childrens behaviors. In between, the parental wealth may have direct effects on childrens behavior. Household income or lifetime earnings are positively associated with increases in household savings (Browning Lusardi, 1996; Chang, 1994; Rha, Montalto, Hanna, 2006; Hurd Zissimopoulus, 2003). Perry and Morris (2005) found that people with higher incomes were more likely to engage in responsible financial management behaviors, such as saving money. Avery and Kennickell (1991) reported that individuals with incomes more than $50,000 saved more than economic theory would suggest. Chang (1994) noted that income had a positive effect on saving. Rha, Montalto, and Hanna (2006) found a positive relationship between household income and the probability of saving. Browning and Lusardi (1996) noted that households with greater income uncertainty possessed higher savings from current income. 2.2 Spending Pattern Pillai et. al., 2010 With availability of generous pocket money, personal credit cards, access to credit cards of family members or high-paid jobs at prime age, young people are faster becoming impulsive spenders and prove reckless often. Moreover, strategic marketers are designing products and services targeting young generation. With the ease of information access through the Internet and web technology, marketers have managed to capture a significant market of youth through online store sales. In the Asian subcontinent, new trends in fashion, electronic gadgets, sports, video games, mall culture and music are important contributors to wasteful spending among the youth. Most of todays young adults, although smart and independent, scarcely understand the value of money because of the desire to adopt extravagant lifestyles, in addition the above mentioned factors. Young adults under the age of 30 are now the fastest growing age group filing for bankruptcy. Besides, evidences show tha t college students tend to spend their discretionary income on instant gratification of their wants rather than save money for their further education. Hibbert, Beutler Martin (2004) examine the influence of parental financial prudence on the attitude and behaviors of the next generation toward their finances. The study underscores the importance of family atmosphere to inculcate the necessity of being rational in personal financial management from the very early life of a person. Moreover, keeping personal financial records makes one to keep track of his or her various expenses and also develop the qualities of a cautious spender because one is constantly aware of how much he/she has spent probably during the last week, month or year. For information, spending in excess of their earnings is one of the most common problems faced by young adults today. The youth are following the I want philosophy, that is, they are more interested in accumulating material possessions than saving money and this leads to the domino effect of making impulsive purchasing decisions resulting in overspending and shortage of money. In addition, credit car d use habit has grown phenomenally among young adults. This increase in the number of youth holding credit cards and incurring credit card debt has generated concern that these young people are over extended and unaware of the long-term consequences associated with severe indebtedness. Moreover, John Andrew (2002) had mentioned that children are always be able to observe parents spending and planning behavior and learn the behavior from them. Mohamad Maurice (2010) stated that more than half of the respondents did not save any money when they received their scholarship or education loan. More than half of the students used their money for shopping. The data showed that 45 percent of them spent all their money before the end of the semester. 2.3 Educational Qualification It is obvious that people who are educated would be more aware about their future life. Thus, the important on saving might be one of the factors that make them taking into their consideration (Joseph, Clifford Annette, 2011). In addition, Masud, Husniyah, Laily, Sonya (2004) had pointed out that it is possible for educators to offer a course that teaches the financial skills necessary to overcome the financial problems among university students. For information, John Marco (2000) explored that the parents education levels would have a causal effect on childs education. Moreover, Mohamad Maurice (2010) stated that those students with higher financial knowledge were more likely to engage in saving behavior. Furthermore, the research said that the college-educated parents are strongly associated with higher residuals, it may effect that survives controlling for wealth (John Andrew 2002). Angela, Urvi Erik (2008) predictable a bargaining model of household saving behavior and found out those households where the husband had more education than the wife had lower levels of net worth. Higher rates of tertiary education which could perhaps be counted as another form of investment have also contributed to increasing debt (Janice,2007) 2.4 Sibling Rank Keister (2003) found that the number of siblings a person has is a significant predictor of the importance one places on saving for retirement. The more siblings one has, the less time each child has devoted exclusively to them from their parents. Parents with more children tend to save less and have less time to educate each child about saving. Also, the more siblings one has the less likely their parents are to pay for college, give them a car, or put the down payment on their first home. This causes them to have to pay for these items with no financial assistance from their parents. They are forced to start their finances off in debt and once someone is in debt, they often remain there for the rest of their lives. In addition, the more siblings one has the less likely they are to receive an inheritance when their parents pass away. In addition, it also finds that overall, the more siblings one has the less wealth accumulation they are likely to achieve. 2.5 Place of Origin Masud, Husniyah, Laily Sonya (2004) had mentioned that when the place of origin was compared, a higher percentage of those from rural areas reported experiencing more problems compared to those from urban areas. Students from rural areas may have a limited amount of resources in comparison to urban area students. Soo(2009). A students residential status can also influence the problems he or she faces. A higher percentage of those living off campus did not have sufficient money to last until the end of semester compared to those living on campus. Students living off campus spend more money on items that students on campus do not have to pay for, such as gasoline for commuting. Yet, a higher percentage of students living on campus reported skipping meals to save money. Since their money was not sufficient to last until the end semester, several students have to borrow money from friends. Thirty percent of males and no females indicated that they plan to pay off their debt when they get the money.

Physics of Gymnastics :: physics sport sports gymnast gymnastics

Gymnasts use physics everyday. As a gymnast I never realized how much physics went into every motion, every back handspring, every mistake on the bars. If gymnasts were physicists (or at least knew more about physics) they would be better equipped to handle the difficult aspects of gymnastics. As a gymnast I learned the motions that were necessary to complete the tricks that I was working on, and as a coach I taught others the same. I never truly understood why a particular angle gave me a better back handspring or why the angle that I hit a springboard at really mattered when completing a vault. We are going to explore some of the different apparatuses in gymnastics and a few of the physics laws that are involved in them. We will not even barely scratch the surface of the different ways that physics can explain gymnastics. Newton's Laws Newton's Laws can be found in the textbook, Physics for Scientists and Engineers by Serway. Newton's First Law An object remains at rest, or in motion, unless an external force acts upon it. Newton's Second Law The acceleration of a body or object is directly proportional to the net force acting on the body or object and is inversely proportional to its mass. F = ma Newton's Third Law For every action force, there is an equal and opposite reaction force. The Floor There are many aspects of physics found on the floor. The gymnast performs on a floor that "measures 12 x 12 meters, with an additional safety border of 1 metre. The performance area must have a surface elasticity, to allow for power during take-off and softness for landing." (FIG) The surface elasticity found in the floor mat gives the gymnast extra bounce which increases her momentum. Let's examine a basic tumbling run. All three of Newton's Laws can be seen in this one tumbling run. We can see Newton's first law before the gymnast takes even one step. Until she takes a step, the gymnast is at rest. When she is ready to tumble the gymnast applies the force. A gymnast takes a running start when approaching a tumbling run, and as she is moving across the floor she is increasing her momentum. This is a demonstration of Newton's second law.

Quilting - Foxes in the Poetry of Lucille Clifton Essay example -- Bio

Quilting - Foxes in the Poetry of Lucille Clifton  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚   In 1942 Virginia Woolf read a paper to the Women’s Service League about "The Angel in the House." For Woolf, this "Angel" represented the voice in the back of the mind of a woman that was saying, "Never let anybody guess that you have a mind of your own" (1346). During Woolf’s time a woman was not supposed to write critically. Rather, a woman was supposed to "be sympathetic; be tender; flatter; deceive; use all the arts and wiles of her sex." Woolf writes of the need to "kill" this angel. She says, "Had I not killed her, she would have killed me" (1346). Thankfully today it is no longer considered improper for a woman to write critically and truthfully, but Lucille Clifton has her own "angel to kill" in some of her poetry. Clifton is a woman artist who uses her past experiences and those of her ancestors to write her poetry. Clifton uses the ideas of light and foxes to convey the joy she finds in being a woman poet, as well as the fear that an artist sometimes feels when first struck with an idea for a poem. The poems "telling our stories" and "the coming of fox" reveal the feelings of fear an artist may have when creating a work. In "telling our stories" Clifton compares a fox to a poet: the fox came every evening to my door asking for nothing. my fear trapped me inside, hoping to dismiss her but she sat till morning, waiting. at dawn we would, each of us, rise from our haunches, look through the glass then walk away. did she gather her village around her and sing of the hairless moon face, the trembling snout, the ignorant eyes? child, i tell you now it was not the animal blood i was hiding from, it was the poet in her, the poet and the terrib... ...ht some "terrible stories." By bringing to light these "terrible stories" a poet in effect slays the "angels" that kept her from writing. Every author has his/her own "angel" to slay. Lucille Clifton sees past the fear she has about what she might write about using her gift of poetry to "slay her angel." Works Cited Clifton, Lucille. Good Woman: Poems and a Memoir: 1969-1980. Rochester, NY: BOA, 1987. ---. Quilting: Poems 1987-1990. Rochester, NY: BOA, 1991. ---. The Terrible Stories. Brockport, NY: BOA, 1996. Rushing, Andrea Benton. "Lucille Clifton: A Changing Voice for Changing Times." Contemporary Literary Criticism. Ed. Roger Matuz. Detroit, MI: Gale Research Inc, 1991. 79-81. Woolf, Virginia. "Professions for Women." The Norton Anthology of Literature by Women. Ed. Sandra M. Gilbert and S. Gubar. New York, NY: Norton, 1996. 1345-48.   

Colonial Synthesis in-Class Essay

Colonial Synthesis In-Class Essay The literature of the Colonial Period has left a positive mark upon American culture. The connotations of the literature are sometimes hypocritical, and are often contradictory to other works at the time. As a result, the messages conveyed through writing have not been overlooked. Source A’s narrative of an enslaved African American arriving in America would just be one of many that would take place over the course of 200 years.I remember in the vessel in which I was brought over, in the men's apartment, there were several brothers, who, in the sale, were sold in different lots; and it was very moving on this occasion to see and hear their cries at parting. â€Å"O, ye nominal Christians! might not an African ask you, learned you this from your God, who says unto you, Do unto all men as you would men should do unto you? † (Source A). The excerpt bluntly criticizes more prominent works at that time, from the staunch Puritan literature of Taylor. Make me O Lord, Thy spinning wheel complete. † (Source E) Taylor preached goodwill to men and stressed religious freedom, but he owned slaves at the same time. Jonathan Edwards, whom preached â€Å"So that, whatever some have imagined and pretended about promises made to natural men's earnest seeking and knocking, it is plain and manifest, that whatever pains a natural man takes in religion, whatever prayers he makes, till he believes in Christ, God is under no manner of obligation to keep him a moment from eternal destruction. (Source F) Many slave owners throughout the 18th and 19th century believed this, fueling conflicts like the Civil War and in some respect, the Civil Rights Movement. Racial persecution in the south can be attributed to blacks not necessarily being deemed by the Bible, as Puritans such as Edwards had preached. As a result, much of the negative bigotry had been sparked by Puritan work.On the other hand, Eqiuano influenced a much more positive as pect of American culture, as his autobiography can be deemed one of the earliest Abolitionist works. It depicted the cruel and bitter environment of a slave ship, and the often futile fate of being a slave. By being one of the first AfricanAmerican authors, many more African Americans after him would be inspired to write themselves.For better or for worse, early Abolitionist writings like Eqiuano’s and religious works like Taylor’s both have a significant impact for centuries after they have been written. They model conflicting sides of a society condoning secularism and one that promotes it. Whatever the case may be, these writings have given us a glimpse of early society in America, and better our understanding about the ways people responded to controversial subjects like slavery.

CIO Interview Questions

What shortcomings have you experienced with your management style? How do you use metrics to manage IT? What are some common metrics pitfalls? How do you balance tactical business demands with the need to stick to a long term strategy? What project are you most proud of? Can you give me a example of a project you were involved in that failed? How do you ensure a fair and competitive procurement process? How will you market IT to your peers on the executive team and to the CEO? Can you give me an example of a long term IT strategy you successfully implemented?How do you stay abreast of what your competitors are doing In the IT space? The focus of this paper Is to provide Insight on the role of Chief Information Officer In his day-to-day life In the office. It appears that at Cants the CIO has to deal with strategic and operations aspects of IT In a way that Is aligned with the business goals and strategies. It became clear that the CIO must be a good communicator and must have a busin ess background mixed with knowledge of Information Technology to be able to understand the business process exhaustively and find solutions to enable the business to operate efficiently.Overall, CIO needs to have three major skills: business skills, communication skills and leadership skills. No doubt there will be Internal and external challenges down the road as the CIO tries to change the perception of IT from Just keeping the lights on to providing a strategic value. At the end of the day, the CIO will have a great Impact Implementing the company's strategy and achieving Its goals. By balletomane How do you stay abreast of what your competitors are doing in the IT space?The focus of this paper is to provide insight on the role of Chief Information Officer in his day-to-day life in the office. It appears that at Cants the CIO has to deal with strategic and operations aspects of IT in a way that is aligned with the business goals internal and external challenges down the road as t he CIO tries to change the end of the day, the CIO will have a great impact implementing the company's strategy and achieving its goals.