ICELAND'S FINANCIAL CRISIS Case Study Example | Topics and Well Written Essays - 2000 words

ICELAND'S FINANCIAL CRISIS - Case Study Example During this time period, home values began to fall dramatically and sub-prime rates eventually readjusted so that individuals owed up to double their original mortgage value on homes that were no longer even worth their original market value. A vast variety of the sub-prime mortgages offered to individuals who actually did not maintain quality resources to sustain an adjustable home loan interest rate were suddenly forced into foreclosure, which left lending institutions with a significant inventory of now bank-owned homes worth less than their mortgage values at the time of signing. As the housing bubble burst and grew more fiscally unsound, global investors found that the many derivatives (swaps) associated with home mortgages were no longer viable and lucrative opportunities for investment (Simkovic, 2011). Many investors from the European Union and the United States began looking for better investment opportunities, leaving financial institutions offering these derivatives with c onsiderably less quarterly and annual revenues stemming from mortgage-backed swaps and securities. Because mortgage-related derivatives were, for many years, adequate and lucrative profit opportunities for financial institutions, many offering these securities backed by mortgage guarantees had not diversified their revenue-earning capacities. As such, investment trading partners in the United States witnessed capital depletion rapidly where many institutions required significant fiscal bailouts to keep the entity afloat. Further complicating this situation was what is referred to as a bank run, where nearly five billion dollars in investment resources were withdrawn domestically and internationally in a 48 hour period by concerned and speculating investment firms and independent investors (Altman, 2009). Low-valued credit default swaps, a variety of mortgage related derivatives, and banking facility capital depletion soon hit Iceland and many other European countries. Iceland, after banking privatization had been established, was very dependent on making investments in international capital markets (Olsen, 2010). However, this instability and credit downgrading that occurred during the sub-prime crisis in the U.S. had destabilized multiple investment opportunities associated with mortgage-backed securities and derivatives. Thus, a once lucrative revenue source for Icelandic banks and other financial institutions no longer provided adequate capital infusion for the now-private banking facilities in the country. Since there had not been enough portfolio diversification in Iceland to spark domestic investment opportunity to offset dependencies on international investment losses, the exchange rate of the Icelandic currency value was affected and derivatives relationships with foreign banking partners were largely nullified. As the IMF and the U.S. Central Bank began changing monetary policy and increasing regulation to correct the sub-prime crisis, it inflated the U.S. dollar which only served to further weaken the value of the Iceland currency on the international exchange markets. How could the Iceland Crisis have been Avoided? Firstly, Iceland should have recognized that the U.S. would not necessarily have explosive gains on mortgage-related securities and derivatives that would endure indefinitely. The U.S. had a long history of a volatile housing market which should have provided adequate

Discrimination Of Women Essay Example | Topics and Well Written Essays - 1750 words

Discrimination Of Women - Essay Example As we all know, global society is divided across many epidemiological variables and out of all these variables â€Å"gender† is the most primary one; as gender and equality have been the subject of many heated debates over the years. There are certain lines that are drawn according to one’s sex and these restrictions are particularly imposed upon women. Women all over the world; be it a developed or a developing country, all women endure the problems of harassment, discrimination and ill-treatment. Discrimination of women surfaces in the society in many forms; however, in the workplace, such occurrences are more ostensible and occur in the form of unequal pay, lower workforce participation, and a major disparity in the access that is given to all the male and female employees in the workforce. The problem has been a scourge and as mentioned earlier, it exists in the facet of the society. There has been numerous where women were subjected to intense discrimination; in many circumstances were looked down upon and deemed inferior to men. The bigotry involved in the view of women is a multifaceted phenomenon and its existence gave birth to the concept of â€Å"feminism† that subsequently led to the birth Women Empowerment movements. Its dynamics and prevalence in the society will be discussed in greater details as the substance of the prose progresses. Sex discrimination is a phenomenon that has been around for ages, as it is stated earlier; women were often deemed as the weaker sex and men were at the forefront all activities. This is also largely due to the fact that since women have ability t procreate, they were required to restrict themselves to domestic chores. This led to widespread domestication of women and they had a very restricted role in the society. This was fundamentally because of the physiological differences between men and women, but there were plenty other factors that contributed to the disparity that will be discussed in greater detail in the following parts. In the past, women were treated as â€Å"articles of trade† and were used to settle disputes between two tribes. There was widespread objectification of women, men viewed them only objects of pleasure and they did not have any real position in the society. Indian societal dynamics epitomizes this aspect of the subject and is perfect to further elab orate and compare the role of women in ancient and contemporary society. In India, female infanticide and sex-selective abortions are highly prevalent. (Weisner, 2001, p. 108) Incidents of female infanticide and feticide are particularly common in the rural India, where people are vastly hardwired to their religious and cultural values that are often considered to be quite misogynistic in their teachings. In India, the birth of a female child is considered a bad omen; an aspect that is similar to the Chinese society as well. However, in case f Indian societies there is an economic reason as well due to the widespread trend of dowries and the high costs that are associated with it have often led to disparity between males and females. Sex selective abortions were so prevalent in the early 70’

To Kill a Mocking Bird - The Contribuition of the Character of Scout :: Kill Mockingbird essays

To Kill a Mocking Bird - The Contribuition of the Character of Scout In the novel To Kill a Mocking Bird, by Harper Lee there are a number of characters in the book. All of them play a very detailed role in the plot of the book, and without them it would not be anything. They story consists of two main plots. The first one is being part of a family which involves a lawyer. Then the second is the mysteries of the Radley house. The Radley house is a home near the Finch's, which is composed of many rumors, mysteries, and people. The narrator of the novel is a girl named Jean Louise, yet everyone in the novel calls her "Scout." Scout is at the age where she is stuck between being a grown up and a child. She is also at the age where she is learning about kindness, courage, and everyday life, every day. Since Scout's mother had passed away when she was two, her father Atticus had hired a housekeeper. Calpurnia had been the children's housekeeper and the mother figure every since Jem was born. Besides Atticus, Calpurnia has also made the largest influence in Scout's life. The story takes place in a small town named Maycomb. It has two basic plots to it. The book is about the Finch family which consists of the a father, son, and daughter. The father, Atticus is a 50 year old lawyer. Atticus is the type of father who does the best for his kids and is always the god figure around the home. Atticus is a very well respected man in the home and outside of it. Jem is the oldest child of him and Scout. He is Scout's primary source of intelligence and fun. Without Jem, Scout would not realize many important things in life. Calpurnia has placed a major role in Scout's life. She has placed many useful thoughts in Scout's mind, that has helped her come a long way. Calpurnia is from the colored community of town. Although she lives in a different home than the Finch's, their house has gradually become Calpurnia's "home away from home." When Scout was only two, Atticus had hires her to help him.

Power and Ambition

William Shakespeare’s ‘Macbeth’, is the story of a usurping General, Lord Macbeth, and his wife Lady Macbeth who are driven to murder their king in pursuit of the throne and power. The tragedy has multiple reoccurring themes and motifs, of which Shakespeare uses many aesthetic features to effectively develop and enhance. One such theme is Masculinity vs. Femininity which resounds throughout the entirety of the play and is a central focus point during many events.Shakespeare uses imagery, symbolism and metaphor very effectively during the course of the play to augment and pinpoint important developments and changes to the characters and their states of masculinity and femininity. At the time that Shakespeare wrote his plays the values and attitudes were vastly different to those of modern society. Women were considered the fairer sex while men were considered the dominant sex. Similar essay: If I Become A Collector EssayIn Macbeth, this view is approached with the idea that masculinity carried with it the ability to kill and commit sin while femininity in its ideal was softer, gentler and comprised of virtue. Shakespeare demonstrates this ideal very early in the play when, in Act 1, Scene 5, Lady Macbeth calls out, â€Å"Come you spirits that tend on human thoughts! Unsex me here, and fill me from the crown to the toe top full of direst cruelty. † This happens directly after receiving notice from her husband that the witches’ prophecy had come true and that the king was to be joining them in their castle.At this point in the play she is asking the spirits to take away her femininity, a literal unsexing, and fill her with a ‘direst cruelty’ that she, as a woman, did not already possess so that she could have the ability to kill her king. This idea of femininity causing an inability to kill, indeed needing to become masculine to be able to commit the crime demonstrates Shakespeare’s ideal of women being pure while men have evil in their very being. The use of this imagery and figurative language, ‘direst cruelty’ and ‘unsex me now’, in this scene underlines this ideal and highlights Shakespeare’s view on femininity and masculinity.Another aspect of Shakespeare’s portrayal of women as incapable of sin relates directly to the view of women at the time the play was written. The medieval view of women, in that they were weaker, less intelligent and meant for menial work and child rearing; and the subsequent opposite view of males, being that they were the money earners, the soldiers, and thus full of courage and honour is very easily seen through Shakespeare’s language throughout Macbeth. In Act 4 Scene 3, Macduff says, ‘O!I could play the woman with mine eyes’ after being informed that his children and his wife had just been murdered in the home that he had run from. By implying that weeping is a womanly attribute and saying that he as a man should not do it, it again highlights the idea that women were weaker and softer in their femininity then men were in their masculinity. This weakness and its symbolized lack of physical strength, shows again, Shakespeare’s view of women as the weaker sex and their subsequent inability to commit murder or other atrocious acts.Yet another instance of Shakespeare’s obvious separation of femininity from sin is in the scene where Lady Macbeth is convincing Lord Macbeth to kill King Duncan. Lady Macbeth cows Lord Macbeth by asking him â€Å"With thou esteem’st the ornament of life, and live a coward in thine own self-esteem, letting ‘I dare not’ wait upon ‘I would’, like the poor cat I’ the adage? † This line and its subsequent imagery of a cat wanting the fish but afraid of the water shows that Shakespeare believes that to be a ma n is to go after his true desires regardless of the consequences.At this point in time, Lady Macbeth has been unsexed and is using her new found masculinity to manipulate and force Lord Macbeth into fulfilling her own desires, something that she was not capable of when she was a woman. This is a doubled example of masculinity’s ingrained sin; Lady Macbeth is manipulating Lord Macbeth by questioning his manhood and as a result to prove his virility and strength he will commit murder. By proving his masculinity in this way, through murder and evil, it shows that Shakespeare believed men to be the only ones capable of sin.Throughout Macbeth, the theme of Masculinity vs. Femininity is developed and expanded upon using imagery and symbolism. Shakespeare manipulates language conventions to demonstrate the idea of the feminine sex being incapable of murder and sin while men and their subsequent masculinity is the root of such evil acts. At the time that Shakespeare wrote his plays t he values and attitudes were vastly different to those of modern society and as such his ideals and views reflect these medieval interpretations of women being the weaker sex while men were dominant.From Lady Macbeth’s plea to be unsexed, to Macduff’s implication of crying being a weak response of women and then to Lady Macbeth’s manipulation of her husband after being filled with the ‘direst cruelty’ of masculinity, Shakespeare’s language shows his view on Masculinity vs. Femininity. Through his imagery and symbolism, his opinion that women are incapable of evil in their feminine state becomes very clear and Macbeth becomes almost a warning to the fairer sex; do not lose your femininity and thus your purity.

The End Of Poverty By Jeffrey Sachs - 807 Words

â€Å"The End of Poverty, How Can We Make It Happen In Our Lifetime† is written by Jeffrey Sachs and published in 2005. He is a Director of the Earth Institute, Professor and Economic adviser. The rock star Bono, wrote the foreword and campaign for AIDS prevention. Multiple strategies and fourteen interesting chapters were explored by the book on how to stop extreme poverty. He argues, act of goodwill from rich countries can help the poorer nations to subdue global absolute poverty by 2025. Donations and debt cancellations are some factors to suppress poverty. â€Å"The time to end poverty has arrived† Sachs proclaimed. This book is intended for everyone and related to worldwide destitution. Alternatively, Sachs believes, donations from various sectors such as Oxfam are necessary to eliminate penury. The funds will be distributed in different areas, especially health care. He successfully argues that health care in Ethiopia and AIDS can be prevented by announcing publicly. His argument was supported by UN Millennium, the International community and the Ethiopian Government are working together to meet the goal (Sachs, 2005a). In fact, he was victorious in extending health problems to several sectors including the World Health Organization. They successfully treated many diseases and a few donors increase their donations to show solidarity to the people in Africa and other nations. â€Å"Over US$ 12.9 billion was pledged for the next three years, nearly US$ 1 billion more than at theShow MoreRelatedTaking a Look at the China-Africa Relation1563 Words   |  6 PagesSection 7. LESSONS FROM CHINA Are there lessons for Africa from China? The China-Africa relation has been going on for a while, and the way the Chinese achieved lifted many out of poverty and created a middle class is something from which Africans can learn. Africa is in the quest of developing its economy, eradicating poverty and learning from its partners. Dollar’s (2008) analysis on lessons that other developing nations could learn from China’s experience can be summarized in four points: 1) economicRead MoreThe End of Poverty: Economic Possibilities of Our Time665 Words   |  3 PagesPoverty was originally inevitable as a result of world affairs, such as slavery, wars and battles for independence. After world affairs has settled, majority of countries recovered from their despair and hardship. Today, the worldwide rate of poverty has dropped dramatically except in sub-Saharan Africa. Jeffery D. Sachs has spent 25 years working in indigent countries of Africa in effort to understand the cause o f their endeavors with extreme poverty. Sachs, then, provided an analysis of why extremeRead MoreEnd Poverty And Economic Opportunities Of Our Times1731 Words   |  7 PagesEnd poverty and economic opportunities of our times. Jeffrey D. Sachs. 2006. Press, London. . XVIII pp + 397 US $ 16.00, ISBN: 0-14- 303658-0, Paperback. 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Jeffrey David Sachs One of the most youthful tenured economics professor ever at Harvard university (at age 28), Sachs got to be referred to for his part as a guide to Eastern European and developing country governments duringRead MoreA Controversial View Of Development Discourse863 Words   |  4 Pagesthe issue based on three different perspectives of three well-known references- The End of Poverty: How we can make it happen in our lifetime by Sachs (Sachs, 2005); The Bottom Billion by Collier (Collier, 2007) and Easterly’s The White Man’s Burden (Easterly, 2007). Each of these three writers has different notion regarding the view that development of poor countries depends upon the western countries support. Sachs supports the discussion topic that development of Third World countries is only possibleRead MoreMonitoring and evaluation1235 Words   |  5 Pagesinvestments that are needed [to end poverty]; found ways to plan and implement them; [and] shown that they can be affordable. 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The reason for craving is confounded to state. Starvation has many elements; however, neediness is the best risk. So with a specific end goal to address the issue of world yearning, we should first take a gander at the issue of worldwide neediness. In my paper I will address the three primary driver I trust adds to the issue of destitution and world appetite, monetary issues, socialRead MoreThe World Economy Is The Busiest Fire Extinguishing Essay1776 Words   |  8 PagesJeffrey Sachs, director of the Institute of Evans, the world economy is the busiest fire extinguishing. Those who are in the last twenty years, I have taken the liberty of the planned economy in the former Soviet bloc and persistent hyperinflation of America Sachs, and finally at the end of poverty in economic problems of our goods, time1, and laid it in the counsel of the eyes of a number of years, and to eradicate extreme poverty, the billionaires of a multinational, malaria control, and that he

The Rational For The Hr Business Partner Model - 2065 Words

1.) The rational for the HR Business Partner Model by which HR works closely with other C-Suite and managers achieve the business strategy, by precisely utilizing HR systems and techniques that assist in strategic development. Definitions and Examples of Effective Business Partner: 1. Creditable Activist: build relationships of trust, establishing their business savvy allowing them to express a point of view on both business and HR. These HR leaders are able to negotiate looking for integrative solutions, not avoiding conflicts, instead they build programs and policies that build the team to collaborate. 2. Strategic Architect: commit to the advancement of a strategy by delivering the communication across the company. Diagnosis local, national, and global markets, while also looking at economics and social constructs in the industry. Depending on industry this can be a company’s advantage in giving back to the community, also important to know local laws, as well as national, 3. Culture and Change Steward: they assist in analyzing and promote necessary changes that the organization sees as their core competencies to compete in their internal and external business strategy. Onboarding and the ability to shift people will be important in this role, also generating an open door policy will be detrimental (not only in word, getting out and shaping employee perception by showing them interest). 4. Talent Manager and Organizational Designers: provide influential guidanceShow MoreRelatedInternational Human Resource Management Practices1205 Words   |  5 PagesThe problematic of this essay is the opening of many observations made on economic comparison between USA and Europe. Human resources management (HRM) practices and model depends on the actual extensions of national business. Indeed local business with the ambition of being multinational will export their model and corporate culture to a targeted country. 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According to Mayo(1997) â€Å" SHRM is the alignment of the human resources function to the overall core business objectives.† This advanced level to the traditional HR; can be a more effective tool in showingRead MoreSynopsis Of A Business System Analyst With 13 Years Of Diverse Experience Through Information Technology With Focus On Business1265 Words   |  6 Pages SYNOPSIS †¢ Business System Analyst with 13 years of diverse experience in Information Technology with focus on Business Analysis, Business Modelling Requirement Gathering. †¢ Excellent verbal and written communication skills. 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The prime trepidation of the bank should be to bring in appropriate amalgamation of human resource management strategies with the business strategies. It should foster unified team work and build commitment to

Nietzsche And Nietzsche On The Rationality Of Religious...

Explain and evaluate the views of Freud and Nietzsche, on the rationality of religious belief. Freud believes that religion belongs to a childish stage of human evolution with no purpose and that these religious beliefs lack a rational and strong foundation. He thought mature people approach a rational reasoning on religion Freud believes that there is no place for religion in our modern world today since it is already corrupted with evil. His view of our psychological role of beliefs and religion brings attention to a guilt feeling one feels helpless and the first though that comes to his mind is that God is a just reflection of the subconscious mind. On the other hand, Nietzsche believes that there are no rules to the life of human beings and only the coward cling to religion in the hope of finding something which is not there. He believes that truth is all that is needed and nothing is more powerful than self belief in truth. Explain and evaluate the views of Tolstoy and Kierkegaard, on the rationality of religious belief. Kierkegaard focuses almost exclusively on answering the question how to become a Christian . He thought that people were not leading fulfilling and meaningful lives, so he wanted to show how people can find this, and be happy hence satisfied. This believes that truth does not come to a person from outside the self, but is contained within. It comes to a person from within, as an innate or in born idea which we recall. The other religiousness is aShow MoreRelatedNietzsche997 Words   |  4 Pagesalong with other maxims in our rationality. However, Nietzsche ascribed to neither of these views. Born in 1844, Nietzsche was influenced by Darwin and philosophers such as Schopenhauer. His moral theory mirrored more that of Humes in sticking to the tenants of naturalism than it resembled deontological theories such as Kants. 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Modernist Modernism1335 Words   |  6 Pagesimportant works in class. For instance, you cannot study Marx thought without mentioning The Communist Manifesto. Similarly, Freud cannot be mentioned without his Outline of Psychoanalysis. Marx and Freud, after World War I, began to question the rationality of mankind. The difference being Marx focused primarily on political issues and Freud on psychology. Still, both were very influential at this time. Marx clearly displayed an interest in the nature of man. In his work Theses of Feurerbach, heRead MoreExistentialism And Its Impact On Society1816 Words   |  8 PagesIntroduction Existentialism developed in the more extensive feeling to twentieth century rationality that is focused upon the investigation about presence and of the best approach people discover themselves existing or their existence as a whole. Existentialism takes its name from those philosophical topic of existence , this doesn t involve that there will be homogeneity in the way presence will be on be comprehended. On simpler terms, existentialism will be an logic worried for finding selfRead MoreCompare And Contrast The Views Of John Searle And Rene Descartes On The Mind1832 Words   |  8 Pagesevaluate the views of Freud and Nietzsche, on the rationality of religious belief. Sigmund Freud applied his psychological theories to religious belief. He views that believing in God is a mere wishful thinking to escape from a â€Å"cold brutal reality.† Lacking any kind of empirical proof, Freud called the belief in God a wish fulfillment. In other words, it gives people a sense of hope and protection as well as something to look forward to after death. 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It also involves arguing vividly and providing appropriate grounds and evidence on a topic or matter to some people so that they can adopt or reject some course of life or some systems of faith or belief (Cahoone 6). On the hand, postmodernismRead More Marx and Nietzsches Theories Essay3981 Words   |  16 Pagespitilessly torn asunder the motley feudal ties that bound man to his natural superiors, and has left remaining no other nexus between man and man than naked self-interest, than callous cash payment. It has drowned the most heavenly ecstasies of religious fervor, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value, and in place of the numberless indefeasible chartered freedoms, has set up that single