A Worldwide Problem Of Global Warming - 3001 Words

Electric Cars There is a worldwide problem of Global Warming. It is increasing day after day, harming our planet’s atmosphere by reducing the strength of the ozone layer. Global warming is putting all basic human needs in jeopardy. There are various reasons behind global warming. One of the major reasons is fuel engine cars and trucks we use in our everyday lives. Fuel engine cars leave a trail of unhealthy monoxide gas as the result of combustion in the engine. Carbon Monoxide is one of many gases which is harmful to the ozone layer. Global warming is already causing high temperatures, rising sea levels, floods, and droughts. To help reduce the effects of the fuel engine cars on our environment we should start using electric cars. Electric cars run on rechargeable batteries which do not leave a trail of carbon monoxide. Electric cars are fuel-efficient vehicles which use less gas to travel the same distance as their less efficient counterparts. When we burn less fuel, we gene rate fewer emissions. When emissions go down, the pace of global warming slows. Cleaner fuels produce fewer emissions when they are burned. Some fuels such as those made from biofuels can reduce emissions by 80 percent compared to gasoline, and cleaner extraction techniques can ensure that dirty fuel like oil doesn’t get dirtier. Electric cars will also help many countries stop fighting over fuel and also give countries independence. Electric cars should be globalized so that it helps create aShow MoreRelatedGlobal Warming And Climate Change974 Words   |  4 Pagesabout global warming, whether it is true or false. Is there evidence to prove that global warming has impacted the climate due to the rise in the earth’s temperature? Climate change is a problem that is worldwide that should be reviewed. The rise in the earth’s temperature has caused some impact to the weather and climate changes to many places worldwide. This rise in temperature has the poten tial of causing drastic changes to the earth in many ways. It is time to view the global warming concernsRead MoreGlobal Warming And Its Effects On The Global Climate876 Words   |  4 PagesOne of the major problems confronting today society is global warming. Everyone is talking about global warming, which is also known as â€Å"climate change† or â€Å"green is the new black†. However, like Mark Twain once said, â€Å"everyone talks about the weather but nobody does anything about it† (1897 P. 8) According to dictionary.com global warming can be described as â€Å"an increase in the average temperature worldwide believed to be caused by greenhouse effect.† We are the most responsible for this situationRead MoreGlobal Warming Is the Greatest Threat to Our World Today.1206 Words   |  5 Pagesflooded; these and many more are all problems we are facing in our everyday lives due to global warming. â€Å"The warnings about global warming have been extremely clear for a long time. We are facing a global climate crisis. It is deepening. We are entering a period of consequences.† Said Al Gore in a speech at the National Sierra Club Convention in 2005. Many would agree with Gore in taking the side that global warming is the greatest threat to our world today. Global warming has a chain reaction effect, causingRead MoreRenewable Energy And Climate Change1477 Words   |  6 PagesRenewable Energy and Climate Change Global warming and climate change is one of the most pressing issues in the contemporary society given its continued impacts on human life and the world’s ecosystem. The considerable effects of this issue have raised huge concerns among policymakers, governments, and the public. As a result, various initiatives have been developed in attempts to lessen global warming or climate change, especially those related to reducing the emission of greenhouse gases toRead MoreGlobal Warming Is a Universal Problem Essay739 Words   |  3 PagesSimple meaning of global warming is that a progressive increase that takes place in overall climate of earth’s atmosphere this called global warming. Global warming is a universal problem, every country is suffering from it drastic effects. Climate change is mostly due to global warming. The Global warming is mainly caused by greenhouse gases. Carbon dioxide, CFC, nitrous oxide, methane, and many other gases are collectively called greenh ouse gases, carbon dioxide is major among them. The planetRead MoreWhat Are The Risks Of Climate Change And Global Warming?1508 Words   |  7 Pageschange and global warming? Type in your name EDRD plus your Section number Type in the Instructor’s name February 20, 2015 Abstract One of the largest problems fronting the world today is global warming. Many experts believe that our makings of carbon dioxide and extra greenhouse gases have a heating effect on the troposphere, and this can be very hazardous to human life. This research paper will explore the issue of global warming and propose ways to resolve the issue. Introduction Global climateRead MoreNegative Effects of Global Warming on Earth819 Words   |  4 Pagessome regions. Polar ice melting would become another major affect of global warming if it isn’t stopped which could cause problems for many lives on Earth not just human beings. Thesis Statement Global warming is a negative affect on Earth what it affects; are animals to become extinct including polar bears also many other animals, diseases to spread in areas never been/seen before, and sea level rising which could cause problems for living societies, and forest fires to its environment and populationRead MoreGlobal Warming And Climate Change1249 Words   |  5 PagesWithin the past decade, global warming has become an increasingly debated topic. According to the Intergovernmental Panel on Climate Change (IPCC), the global average temperature has risen by one degree Fahrenheit in the last century. Almost all scientists attribute this to human activities such as burning fossil fuels which releases greenhouse gases into the atmosphere. Even though one degree may seem like an insignificant change, it has already been linked to shrinking ice caps, increased sea levelsRead MoreGlobal Warming : Causes And Impacts1716 Words   |  7 PagesGlobal Warming Global warming is the ever growing tension and a controversial issue that is debated widely for the past few years. There are many critics and disbelievers still present in the politics and science field , who do not think that this issue is increasing at such a large scale. It may be due to the lack of evidences in this field, that resulted into this thought that it is the natural process that is evolving on this planet in cycles. In this present era the existence of global warmingRead MoreKyoto Protocol : A Global Problem917 Words   |  4 Pages 1. The problem of Global Warming has been one that has increased dramatically throughout the past 150 years. This is thought to be due to increased industrialisation throughout the world in this time and this is backed up by the fact that approximately 97%(NASA, n.d.) of scientists worldwide believe that it is strongly likely the increasing global climate is due to human activity. International cooperation is required in order to solve the problem of global warming as it takes a global effort to

Child Labor In The Industrial Revolution Essay - 1207 Words

Although children had been servants and apprentices throughout most of human history, child labor reached new extremes during the Industrial Revolution.There was a big impact on the daily life of a child labourer as poor children often worked full time jobs with minimal pay in order to help support their families. Young children worked long hours in factories under dangerous conditions. children were easier to manage and control than adults because their size was perfect as it allowed them to move in small spaces in factories or mines.The practice of child labor continued throughout much of the Industrial Revolution until laws were eventually passed that made child labor illegal. Pre-industrial era Children of poor and working-class†¦show more content†¦The roles available required long hours and supplied little pay. The poverty level became very excessive and each capable member of the family was required to work in order keep the family above deprivation. Families migrated from the rural farm areas to the newly industrialized, crowded towns on the lookout for work opportunities. in the course of this revolution, children became one of the groups that had been extensively affected due to the fact they were referred to as to workers within the factories. A family could no longer be capable of earning enough itself if the children weren t employed. This caused the excessive rise of child labour in factories. Children worked long hours on their family’s farms when they were living in the rural areas but in the cities the children worked extensively hard for very long hours for larger companies In what ways did government regulations impact the daily life of child labourers during the industrial revolution? Government regulations had a big impact on the daily life of child labourers during the industrial revolution in many ways, such as Children were often forced to work in difficult conditions for long hours. They received little pay and were harshly disciplined. There were no restrictions on the age of workers or number of hours that could be worked. There were two common forms of child labour which were known as ParishShow MoreRelatedIndustrial Revolution Child Labor Essay2407 Words   |  10 PagesTechnological advances led to child labor; during the Industrial Revolution there were many new machines created. These machines needed someone to work them so the children started working. Although them working brought extra money to their families, they faced death everyday going to work. The machines that they worked at were very dangerous for young kids to work with. It caused the loss of body parts and sometimes led to death. During the Industrial Revolution, child labor unfortunately increased,Read MoreChild Labor during the Industrial Revolution Essay722 Words   |  3 PagesBackground Research Throughout history, children have always worked, either as apprentices or servants. However, child labor reached a whole new scale during the time period of the Industrial Revolution. Throughout the time frame of late 1800s-early 1900s, children worked long hours in dangerous factory conditions for very little wages. They were considered useful as laborers because their small stature allowed them to be cramped into smaller spaces, and they could be paid less for their servicesRead More Child Labor and England’s Industrial Revolution Essay1458 Words   |  6 PagesChild Labor and England’s Industrial Revolution    The Industrial Revolution in nineteenth-century England brought about many changes in British society. It was the advent of faster means of production, growing wealth for the Nation and a surplus of new jobs for thousands of people living in poverty. Cities were growing too fast to adequately house the numerous people pouring in, thus leading to squalid living conditions, increased filth and disease, and the families reliance upon their childrenRead MoreEssay Child Labor During The Industrial Revolution969 Words   |  4 PagesDuring the 18 and beginning of the 19th century in certain regions of the U.S child labor made up more than 40 percent of the population (Wolensky). That’s almost half of the working population. Since the beginning of time children have always been known to help their families with domestic tasks. Most of these kids worked in factories because they were easy to control and paid less than adults. Kids earned less than half of what adults made in the w ork force. In these factories they usually cleanedRead MoreChildren Working In The Factories during the British Industrial Revolution1316 Words   |  6 PagesThe British industrial revolution (1770 - 1850) had a super negative impact on the right of children. Since child labour was already a pervasive problem during the 17th century in Britain, the industrial revolution simply just made child labour even more overflowed. It was extremely unfair compare these thousands of children who worked non-stopping and suffered throughout their whole childhoods with the other normal kids who were at school and lived happily. However there had not been much thingsRead MoreThe Industrial Revolution and the Technological Revolution812 Words   |  3 PagesThe Industrial Revolution and the second industrial revolution were also known as the technological revolution. The technological revolution was a time of change and transformations from had tool and hand made goods to machinery that produced goods faster and better. Patrick Geddes first introduced the concept in [â€Å"Cities in Evolution† 1910]. But David Landes used of the term in a 1966 essay and in the unbound Prometheus 1972 standardized scholarly definitions of the term, which was most intenselyRead MoreChild Labour. . The Industrial Revolution (1760 To 1840)1134 Words   |  5 PagesCHILD LABOUR The industrial revolution (1760 to 1840) was an exciting time, and while Britain and America were transforming modern society there was an incredibly high demand for labor. Children as young as 4 years old were working underpaid in factories to keep themselves and their poverty struck families alive. I will be exploring why it was that so many children were working in factories during the industrial revolution, and how they compare to the child labourers of todayRead MoreThe Effects Of Emotional Appeal On The Population s Perspective Of Child Labour Committee ( 1830-1905 )793 Words   |  4 PagesInvestigation Katerina S. The Industrial Revolution was the era in which machines changed people s lives. The cheapest and easiest way to maximize output was to get children to operate the machines. The role of emotional appeal had a big effect in the abolition of child labour after the Industrial Revolution. Child labour was accepted during the Revolution, as well as child exploitation. A lot of deaths and injuries could have been avoided with proper labour standards. This essay will explain the importanceRead More The Role of Autonomy and Responsibility Held by the Bourgeoisie during the Industrial Revolution1550 Words   |  7 PagesThe Role of Autonomy and Responsibility Held by the Bourgeoisie during the Industrial Revolution During the Industrial Revolution the population was broken up into two classes; the minority was the rich, industrial middle class, the bourgeoisie, and the majority was the poor working class, the proletariat. The bourgeoisie believed in their rights to gain wealth and preserve individuality and in their duty to maintain these rights, which in turn determined the harsh laboring and livingRead MoreEssay on The First Industrial Revolution: Progressing Society1022 Words   |  5 PagesThe First Industrial Revolution: Progressing Society The First Industrial Revolution modified every aspect of daily life. According to Princeton University â€Å"Economic historians are in agreement that the onset of the Industrial Revolution is the most important event in the history of humanity since the domestication of animals and plants† (Princeton par. 6). The First Industrial Revolution brought along machines, a capitalist economy, and trade expansion. Machines increased productivity, capitalist

The Renaissance An Era Of Rebirth And Reformation

The Renaissance was an era of rebirth and reformation, which brought about awareness of various cultures. It was a period of intellectual improvement because there was a new enthusiasm for learning. Also, there was an increasing focus in humanism, which emphasized the importance of individualization. Numerous improvements in literature, art, music, and philosophy led to developments that still influence today’s way of living. The exploration of the new world allowed the natural beauty of the world to be exposed and allowed for the discovery of foreign lands. Music played a huge role during the Renaissance Era. It was an essential part of the religious, political, and economic lifestyles in Europe. Several composers brought about original†¦show more content†¦In contrast to sacred music, there was secular music. Secular music of the Renaissance was the music everyone listened to outside of church. These songs were often written in the form of a chanson or a madrigal. S ecular chansons were poems set to music written in the style of a monophonic or polyphonic harmony. The poetry was typically courtly, and the music included the use of instruments. Madrigals were also poems in the form of music, but they were normally short, lyrical love poems. Either soloists or ensembles would play dance music to accompany the love poems and would typically perform in the court. Madrigals became popular among the aristocrats, and they included humor, satire, politics, and current events. As the years passed, secular music began to influence the sacred music of the Roman Catholic Church. The Council of Trent, who oversaw the Church, thought sacred music had been corrupted by the complex polyphony of secular music. They believed the cantus firmus of the secular music was causing the length of mass to be increased by a significant amount. The Council of Trent wanted the music to return to its simplified state. Sacred music was created for the liturgical celebration of divine worship, and the council strongly believe secular music was disrupting this sense of holiness. One of the most influential composers and musicians of the Renaissance Era was Guillaume Dufay. He was known for both his sacred and secular music.Show MoreRelatedThe Renaissance : A Rebirth Of The Ideas Of Ancient Greece923 Words   |  4 PagesThe Renaissance was a rebirth of the ideas of ancient Greece and Rome that began in the City States of Italy during the 14th century. The cultural resurgence began a new style of living in Europe after the horrors of the black death, and is seen as the beginning of the culture of the modern world. As Wassace K. Ferguson put in his book The Renaissance, the Italian artists grew tired of the darkness of Medieval Times and began to turn to the brighter times found in the classical ages (Doc 7). TheRead MoreThe Enormous Growth During the Renaissance1420 Words   |  6 PagesThe term Renaissance in general refers to â€Å"Rebirth† or â€Å"Reconstruction†. To be exact, the meaning came from all the changes experienced and inventiv e ideas that influence during the European history. The Renaissance occurred between the 14th and 17th century when there was revival in both learning and culture in Europe. It began in Florence, Italy and traveled throughout other city-states in Italy. It mainly occurred in Italy due to the history of Rome and Roman Empire. The Renaissance was a culturalRead MoreThe Period Of The Renaissance Period887 Words   |  4 PagesRenaissance literally means rebirth. It refers particularly to the rebirth of learning during this period. There was a tremendous revival of classical literature and art, but in the end it was the joining of this with the intellect of the Italian people that lead to the change of the Western World. This period was definitely more than just a rebirth though, it was also an age of new discoveries, both geographic and intellectual. Both of these resulted in changes of tremendous importance for WesternRead MoreRenaissance Essay920 Words   |  4 PagesThe Rena issance was an era of change in human thought. It was characterized by a new philosophy, which included the rise of humanism, individualism, and secularism. Writers and artists began to focus on the individual man and his potential. The Renaissance movement began in the Italian city-states, especially Florence, and spread northward toward the rest of Europe. The Renaissance was the rebirth of new ideas in all aspects of life such as: science, technology, classical art, and education. Read MoreThe Renaissance Era Essay866 Words   |  4 PagesDuring the Renaissance era, the main concept was that it put human life, security, and religion at the interior. Renaissance literally means â€Å"rebirth† and it is a perfect visualization of what the renaissance was. The renaissance was a era of peace and prosperity which gave people a chance to be creative and passionate about their loves in life; whether it be painting or sculpting of theatre or music or any other thing in life. In the renaissance many inventions and discoveries were made. A fewRead MoreThe Existence Of A Renaissance1404 Words   |  6 Pages Renaissance: a word familiar to many and typically associated with the flourishing renewal of ancient Greek and Roman ideas in sixteenth century European culture. The question is, could that be the only renaissance? Many changes also occurred in twelfth century European intellectual and cultural life that could signify a renaissance. Portions of secula r and religious life changed to some extent and often these changes sprouted from ancient traditions. However, to determine the existence of a renaissanceRead MoreEssay Time Capsule1406 Words   |  6 Pagesarchitecture, philosophy, and literature in the Renaissance and Baroque periods. To find these capsules would be to travel back in time and hold in ones hands the true measure of what the humanities has accomplished during its evolution. Art The Renaissance was perceived as a rebirth of ancient traditions. It breathed new life into the artists of its time with the development of new techniques and new artistic sensibilities. The art created during the Renaissance marks the transition of the worlds evolutionRead MoreThe Medieval period started at the fifth century and end around the fourteenth century. Many900 Words   |  4 PagesThe Medieval period started at the fifth century and end around the fourteenth century. Many historical events took place during this era such as the collapse of the roman empire, deaths of millions from the bubonic plague, a shift in paradigm for european’s world view, trade routes through europe, and the Norman’s conquest. The Roman church became very powerful and dictated peoples live through religion. During this time period, Kings and Queens while working alongside Christianity, gave societyRead MoreThe Religious Authority Of The Catholic Church917 Words   |  4 Pageside as. In 16th century Europe, Catholicism was undeniably the most powerful and influential religions in Europe. Moreover, the church had become greatly involved in the political and social life of Western Europe. This was until the Protestant Reformation began, which challenged the Church not only in it’s hierarchy, practices, and biblical interpretations, but also the widespread following of Catholicism throughout Europe. Many saw this as a threat to the whole structure of society, especiallyRead MoreThe Baroque And The Renaissance Period947 Words   |  4 PagesThe Art period went through many different transitional phases to become what it is now, but the most famous of these phases are the Baroque and the Renaissance period. During the Renaissance saw the appearance of the â€Å"rebirth† of its country. the painters use realistic portrayals of nature and the human figure by artists that were inspired by the ancient Greek and Roman art and culture. However, during the Baroque creative phase,the artwork that seemed to be unrealistic, clear and produced many

Adolescence The Transitional Period Of Teenage Years Essay

1. Adolescence: the transitional period of teenage years of 13 to 19 following the onset of puberty during which a young person matures from a child to an adult. 2. Puberty: the time in life that happens that causes physical changes between 10 and 14 for girls, and 12 to 16 for boys when a they become sexually mature. 3. Secular trend: Largely influenced by genetics, the secular trend in growth is that puberty is starting earlier for boys and girls now than in past generations. At the end of puberty (when girls get their period, for example) is leveling off somewhat beginning at age 10 now vice 13 for older generations, especially for girls. 4. Contrast primary and secondary sex characteristics: When considering the differences between males and females, there are physical trait differences between the sexes which are the primary and secondary characteristics. The examination of primary sexual features are the physical characteristics involved in reproduction, such as the sex organs, which are a broad category of glands and organs involved in reproduction and can have various names depending on the living thing being discussed. Humans have secondary sex characteristics which appear at puberty such as breast development in females, pubic hair, and beards in males. Males become more muscular, grow hair in more places, have less fat, and have deeper voices. Females have less body hair, lighter musculature, wider hips, more fatty tissue, higher voices. 5.Show MoreRelatedAdolescence Is The Most Important Stages Of Human Development1282 Words   |  6 Pagesduring human development; adolescence is one of the most important stages because it is the period that follows humans’ development from child to adult. According to Clause (2013), adolescence is broken up into biological, cognitive, and emotional stages. These aspects of adolescence are individually important because, it defines one’s personality and character as an individual and, it affects their future. Most people do not realize how big of an impact adolescence has; however, this essay willRead MoreAdolescence : The Transitional Period Between Childhood And Adulthood1549 Words   |  7 PagesThroughout these stages come happiness, sadness, and excitement. Adolescence is the time where we may have had the best times and the worst times while going through the stage of life. Adolescence is the time when young adults begin to change mentally and physically. Du ring this stage of life, adolescents are introduced to many things such as the changing of the body, interest in different people, and trying to find themselves. When adolescence occurs they will experience puberty, growth spurts, developmentRead MoreEssay About Teenagers And Teenagers720 Words   |  3 Pages The teenagers in todays society are not much different than the teenagers 30 years ago.Some of the aspects of the teen life have changed but the basics remain the same. Every teen in any era has that awkward phase where they are transitioning from a child to a young adult.In that transitional period teens bodys are changing and hormones are raging. adolescence is the biggest transition period you go through in life. when you are a teenager you have that the pressure to fit it and also having anRead MoreThe Brilliant Club Final Assignment1683 Words   |  7 Pageschanging the meaning and make sure it will have the source links at the bottom of the essay. It will show images o f the brain at different ages. It will show; development of the brain, consequences of adolescence for example drink driving, what is fMRI, sMRI, PET and EEG. Main During adolescence the teenagers become more risky (take more risks), the frontal lobe (the brakes) are not fully developed so it can’t cope with the temporal lobe (accelerator) which can’t control itself, energetic, adventurousRead MoreHow The Body Development Effect Individual Self Esteem And Peer Acceptance884 Words   |  4 Pagesthey see themselves. They have reached the period of peer acceptance, self-conscious, and being adventurous. These years normally come in during the late elementary years and early middle school years. Adolescents will go through social, psychological, hormonal, and physical changes/ growth which allows them to reach sexual maturity early. Both males and females adolescents would experience a great amount of height and weight change through their teenage years. Rapid growth spurts and puberty changeRead MoreWithout Prescription. According To The Center For Disease1040 Words   |  5 PagesWithout Prescription According to the Center for Disease Control and Prevention, â€Å"a total of 249,078 babies were born to women aged 15-19 years† in United States. (2014) Adolescence is a difficult period not only for the teenager but for the parents as well. A period of physical and mental changes. It can be â€Å"considered the transitional stage from childhood to adulthood.† Teenagers do crazy things without thinking in consequences, like go out without permission in the night, get a tattoo, fight atRead MoreRisk Factors For Adolescent Drug Abuse1462 Words   |  6 Pagesadolescents. The primary risk factors can be divided into two main categories: social and emotional triggers. Social factors play an important role because during the adolescent years it can be an extremely emotional and physically tough time for teens to transition through. Adolescent phases are one of the biggest transitional stages in a person’s life because their bodies are going through changes they canà ¢â‚¬â„¢t control and they are trying to find themselves. By feeling out of control emotional or mentallyRead MoreUnderstanding Youth And Adolescence Fall Into Five Main Perspectives Essay1552 Words   |  7 Pagesperspectives towards defining youth and adolescence fall into five main perspectives which help to portray and provide a thorough guide to gain an understanding on what is youth and adolescence. The perspectives are psychological sociological philosophical biological and cultural Youth and adolescence are words which often get confused with each other. The term can get crossed over with one another as they cover a timeframe that is sometimes viewed as the same transition period. Pierre Bourdieu (1978) claimsRead MoreWild Swans Analysis2040 Words   |  6 Pagesï » ¿Year 11 Short Story Unit Writing Task How does â€Å"Wild Swans† explore the central character’s experience of adolescence? In Alice Munro’s short narrative Wild Swans, the female adolescent narrator, Rose, travels alone on a train ride to Toronto. On the train she is sexually harassed by a minister and through Rose’s reactions to the harassment, readers are given a vivid image of how Rose experiences adolescence. Throughout the story, Rose experiences fear and confusion about growing up, promptingRead MoreAdolescent Interview Essay1282 Words   |  6 PagesAdolescent Interview Teenage years can be a challenging time for many individuals. Beginning at the age of 11 through 20, adolescence is defined as a â€Å"transitional period in the human life span, linking childhood and adulthood† (Santrock 2009). At this point, the person is no longer a child, but not yet an adult. This makes it a very critical and sensitive time frame for identity formation. According to Erik Erikson, adolescence is marked by the child’s questioning his or her identity during

The Autobiography By Frederick Douglass - 1632 Words

The autobiography by Frederick Douglass is very interesting. It talks about his life and his contribution to the abolition movement. This is an incredible tell perseverance to be with his love that is free in the north and to help others that have been in captivity. Before the book starts he gives a pretty face by William Lloyd Garrison and a letter from Wend ale Phillips. He s done this because he wants people to know that he is a runaway slave that is smart and able to write in his book is his own book. And the pre-face when Lloyd Garrison describe his first encounter with Fredrick Douglas at and it is labor convention in and Tackett Massachusetts in 1841. This led to a longtime friendship between Douglas and the antislavery Clytie. Douglas spoke to the audit about his life undersleeves very and already responded well to Douglas impressions and the intellectuals. Also Garrison says that he fully supports the narrative by Douglas and declared that this narrative is Douglass’ s own work and is entirely truthful. It gives the book its merits to become a bestseller. Garrison also gives a story about a white man that was ship wreck and became a slave or Africa for three years. After he was found he was unable to remove his language and his power a reason. This concluded that the Detroit deterioration of the man s mine to a result of slavery you and not to a certain race. Garrison off so discusses the issues of slave-owners Kelly slaves and being not punished. DouglasShow MoreRelatedLife as a Slave in the autobiography, Narrative of the Life of Frederick Douglass, an American Slave834 Words   |  4 Pageslife is of interest to you, as far as I’m concerned, I didn’t do anything miraculous, like raise the dead or cure cancer. But if my story will motivate someone to fight against human injustice, then I will tell you all about it. My story began as Frederick Augustus Washington Bailey, on a cold February day around 1818, in Talbot County, M aryland. I was born into slavery, to a black woman, Harriet Bailey, and a white father, who I would never know. They took me from my grandmother at six years ofRead MoreEssay Frederick Douglass and Slavery1448 Words   |  6 PagesFrederick Douglass and Slavery Frederick Douglass the most successful abolitionist who changed America’s views of slavery through his writings and actions. Frederick Douglass had many achievements throughout his life. His Life as a slave had a great impact on his writings. His great oratory skills left the largest impact on Civil War time period literature. All in all he was the best black speaker and writer ever. Douglass was born a slave in 1817, in Maryland. He educatedRead MoreFrederick Douglass, An American Slave1114 Words   |  5 Pages Frederick Douglass is well known for many of his literary achievements. He is best known, now, as a writer. As a writer, Frederick Douglass shined. As a speaker, he was the best. There was no abolitionist, black or white, that was more for his speaking skills. (McFeely, 206) So impressive were Frederick Douglass’s oratorical and intellectual abilities that opponents refused to believe that he had been a slave and alleged that he was a impostor brought up on the public byRead MoreNarrative Of The Life Of Frederick Douglass1405 Words   |  6 PagesLife is always compared to be like a roller coaster ride, having its ups and downs. The book Narrative of the Life of Frederick Douglass is an autobiography written by Fredrick Douglass. The book is written from his perspective of being a slave who hoped to be free someday. This autobiography occurs in the years 1835 to 1845 in Boston, Massachusetts. This book shows the roller coaster ride of going from slavery to freedom. In the beginning of this book, there is a preface which is told by a whiteRead MoreFrederick Douglass and the Abolition of Slavery600 Words   |  3 PagesFrederick Douglass and the Abolition of Slavery There were many influential people who fought for the abolition of slavery in the 1800s. Among these people are Harriet Tubman, William Lloyd Garrison, and our sixteenth president, Abraham Lincoln. Frederick Douglass is one of these people. As a former slave, Frederick Douglass believed he could not enjoy his freedom while the rest of his people suffered under the burden of slavery. Therefore, he spent much of his adult life working to abolishRead MoreNarrative Of The Life Of Frederick Douglass1257 Words   |  6 PagesBook Review By Mary Elizabeth Ralls Narrative of the life of Frederick Douglass: An autobiography written by Frederick Douglass Millennium publication, 1945edition 75 pages Frederick Douglass whose real name was Frederick Augustus Washington Bailey approximately birthdate is in1818, the month or day is not known, he died in 1895. He is one of the most famous advocates and the greatest leaders of anti-slavery in the past 200 or so years.Read MoreNarrative Of The Life Of Frederick Douglass1155 Words   |  5 PagesEmily Tovar Mr. Obadiah English 3.1+, Period A 15 December 2014 Douglass Essay The Narrative of the Life of Frederick Douglass by Frederick Douglass was an autobiography published in 1845. This story is from an outspoken past slave about the injustices of slavery to African Americans. As it is an autobiography he describes his own experience and what he witnessed as a slave. Author, Frederick Douglass, uses rhetorical and literary devices to prove his point that slavery was an injustice and a cruelRead MoreEliot s Influences On Literature1013 Words   |  5 PagesFrederick Douglass and T.S. Eliot’s Influences On Literature The nineteenth and twentieth century were pivotal times in the world of literature. Many new elements of writing and style were evolving and authors all over the world were finding ways to present what they felt most passionate about. Some writers opened their readers up to newer ideas by the means of, as Ezra Pound once stated, â€Å"making it new.† Two writers in particular who did a fantastic job of this were Frederick Douglass and T.S.Read MoreFrederick Douglass And The Abolitionist Movement1337 Words   |  6 PagesFrederick Douglass’s Contributions to the Abolitionist Movement Throughout the nineteenth century there was a movement that swept the upper south. This movement was the abolitionist movement which made an effort to emancipate all slaves and stop racial segregation along with discrimination. This movement led to many renowned historical figures contributing through speeches and writings with the goal of seeking an end to slavery. One of these individuals was Frederick Douglass who escaped slaveryRead MoreNarrative Of The Life Of Frederick Douglass1126 Words   |  5 PagesAbigail De Rousselle Narrative of the Life of Frederick Douglass Critique Douglass, Frederick. Narrative of the Life of Frederick Douglass. Boston: Anti-Slavery Office, 1845. Ibiblio.org. Elegant Ebooks. Web. 29 Nov. 2015. Narrative of the Life of Frederick Douglass is an autobiography about Frederick Douglass a fugitive slave from Maryland. The book follows Douglass as he grows up under slavery and begins to recognize the cruel institution to which he is subject to, and ultimately leading to his

Report about the Market Phenomena

Question: Write a report about the market phenomena. Answer: Changes in the market phenomena of Keystone Pipelines can enhance the number of business opportunities of the organization. The most effective and crucial change in the market phenomena of the company that can increase the business opportunities in the oil pipeline industry is the technological change. The marketing transformation is underway as people spend their most of times on their laptops, tablets as well as mobiles (Meissner 2012). Thus, the challenge for the brands is for connecting customers through all the devices in real time as well as creating campaigns that can work over the e-commerce systems, displays advertising and social media as well. The huge technological advancement can be the most capable factor that can enhance the opportunities for the business of the organization. Promotional Activities Keystone Pipelines can follow several promotional activities in accordance with the budgetary requirements and the marketing objectives of that organization such as Direct Marketing As Keystone prefers this particular promotional activity as involves direct communication with the chosen target customers on the one-to-one basis for cultivating lasting customer relationships and an immediate response. Advertising Any paid form of promotional ideas such as newspaper, direct main, TV, radio, magazines, posters, banners and others can be utilized to promote the Keystone services (Lasswell, Casey and Smith 2012). Sales Promotion In this promotional activity, promotion can be done by various short-term incentives for encouraging trial or purchasing the products of Keystone by remembering the budgetary requirements. Publicity this particular promotional activity incorporates demands non-personal promotion by obtaining publicity with the help of the magazines, TV, media and others. Public Relation It incorporates establishing good relations with people by obtaining favourable publicity, avoiding unfavourable publicity and building a good corporate image. Responsibilities of Monitoring Marketing Activities The marketing activities as well as the promotional activities should specify who is responsible for the entire implementation of the marketing plan for the promotion of Keystone Pipelines service. On the other hand, it would also specify who is responsible to achieve each objective and goal (Ginevius, Podvezko and Ginevius 2013). Most importantly, it is also responsible for monitoring the plan implementation as well as took decisions depending on the outcomes. Records of the marketing activities of Keystone Pipelines should be kept by tracking several aspects of the initiatives taken by the marketing department of Keystone Pipeline such as generated sales, generated responses, reach, cost, and media used as well as promotion timing. Evaluation of Business Performance It can easily be determined how well Keystone Pipeline is performing by making a comparison of the outcomes of the initiatives to the goals and evaluating to what extent the organization can meet the targets. Thus, the financial indicators can also be used in this case for evaluating the business performance of the company and comparing it to that of various other organizations in this oil-pipeline industry (Zhu 2014). Both of the techniques or methods are valuable and important to evaluate the performance of the organization in an objective manner. Hence, in this situation, few variables can play a significant role in order to evaluate the business performance of the company, Keystone Pipelines such as operations, market, customers, products, internal variables, as well as financial variables. The successful implementation of marketing activities of Keystone Pipelines should meet the following requirements (Terpstra, Foley and Sarathy 2012). Legal and ethical Requirements and cultural considerations These particular requirements can be fulfilled by including the following factors Societal expectations Social responsibilities Privacy and security issues safety issues codes of practice and regulations guidelines and policies Legislation such as Trade Practices Act Ethical Principles Environmental Issues Cultural influences and expectations Safety Requirements These requirements can be met with the help of the occupational health and safety considerations. These are as follows: Building staff security and safety procedures at the events of promotion the arrangements of health and safety for the contractors safe handling of substances and equipment Staff safety who are working in isolated and remote location such as communication arrangements. Monitoring Performance of the Marketing Plan The marketing plan is the blueprint or a comprehensive document that can outline the marketing and advertising efforts of an organization for the up-coming year. The marketing plan of Keystone Pipeline incorporates typically the assessment of the competition and the market of the company, short and long-term marketing objectives and the operating budget break-down of the company (Gordon 2012). As the marketing plan of Keystone Pipeline is essential for the promotion of products and services of the company, thus, monitoring as well as controlling the marketing plan of that company is also necessary. Monitoring the marketing plan can be done with the following steps: Creating a plan for the review dates Development of a tracking system Coordinating the marketing and the business plan Making changes while required Performance Gap Analysis By analyzing the performance gaps within Keystone Pipelines, where gaps exist in the organization or with the overall staff and with the individual staffers as well can be determined. The performance gap analysis can also be done by determining what aspects are lacking in the employee performance in a specific position or of the organization compared to its competitors (Kollmann and Stckmann 2014). The process of analyzing Performance gap can also determine what extra skills and training may be required for bringing individual employees or that entire organization up to a standard that is acceptable while the particular job aspects change. Addressing Performance Gap The most effective way to mitigate the performance gap is providing additional training to the staffs of Keystone Pipelines. Manufacturing plant or making alterations in the logistics and designs of the office or purchasing new equipment can be another effective way to resolve the performance gap on the organization. Over Performance against targets for trends and set new targets Over-performance analyses as well as target-setting, both are crucial to the process of development for an organization. Hence, in case of Keystone Pipelines, the over-performance of the organization should be analyzed against targets for trends (Bititci et al., 2012). The over-performance of Keystone Pipelines can be analyzed with the help of the following ways, Managing information Getting the most from the KPIs of the company Selecting KPIs Using and selecting KPIs Utilizing standardized measures After analyzing the over-performance, the company should determine SMART targets. The target of Keystone Pipelines should be set on the basis of five factors such as specific, measurable, achievable, realistic and time-bound. The targets must be ambitious that would motivate the employees of the company. Methods of Encouraging Staffs In order improve the marketing performance of the employees who are involved in the marketing activities, it is very important for Keystone Pipelines to follow some methods to encourage the employees. The company can inspire the employees for sharing recommendations, knowledge, suggestions, skills and their experience by creating an environment inside the workplace that can encourage innovative action and thinking (Lzroiu 2015). By encouraging the staffs of Keystone Pipeline, competitiveness can be increased, efficient use of resources would be enhanced as well as staff retention would be maintained properly. Therefore, the methods through which the company can motivate the employees who are associated with the marketing activities are as follows: Encouraging an innovative culture inside the organization Rewarding employees creating more opportunities for the employees Have a space for collaboration Offering training Investment in resources Gathering Information about Customer Reaction to all aspects of Marketing Mix Marketing mix is such a marketing tool that is utilized by marketers and in marketers. It is crucial while determining a brand or a products offer and is associated with four Ps such as product, price, promotion and place. Based on the factors of marketing mix, Keystone Pipelines should gather information regarding the customer reaction (Homburg, Kuester and Krohmer 2013). The most effective and significant way to gather information regarding the product, price, place and promotion is the review or the feedback system. Customer can give their feedback with the help of the review system by providing specific ratings as per all the four aspects marketing mix. These feedbacks are very important for the organization because, according to the feedbacks, the organization can make changes in their services. Business Requirements to identify opportunities for change Organizational changes are important for Keystone Pipeline in order to become successful in the oil pipeline industry. There are mainly two forces of changes such as the internal and external environments. This is because, the systems of the company depend on the external environment, any factor that interferes with the capability of the company for attracting the resources it requires, or its potential for producing and marketing its products can be viewed as the change force (Benn, Dunphy and Griffiths 2014). The change opportunities based on the customer requirements are simply the processes of changing needs and preferences of customers. It comes under the external forces of change. On the other hand, Person focused changes, knowledge and skills, technological change, individual or group expectations, inadequate administration process are simply the business requirements for identifying the change opportunities in the company. Reference List Benn, S., Dunphy, D. and Griffiths, A., 2014.Organizational change for corporate sustainability. Routledge. Bititci, U., Garengo, P., Drfler, V. and Nudurupati, S., 2012. Performance measurement: challenges for tomorrow.International Journal of Management Reviews,14(3), pp.305-327. Competition and Consumer Act 2010. (2016).Legislation.gov.au. Retrieved 22 June 2016, Customs Legislation Amendment and Repeal (International Trade Modernisation) Act 2001. Dawson, R., 2012.Developing knowledge-based client relationships. Routledge. Ginevi ius, R., Podvezko, V. and Ginevi ius, A., 2013. Quantitative evaluation of enterprise marketing activities.Journal of Business Economics and Management,14(1), pp.200-212. Goedhuis, D., 2013.National Airlegislations and the Warsaw Convention. Springer. Gordon, R., 2012. Re-thinking and re-tooling the social marketing mix.Australasian Marketing Journal (AMJ),20(2), pp.122-126. Homburg, C., Kuester, S. and Krohmer, H., 2013.Marketing management: A contemporary perspective. McGraw-Hill Higher Education.

Msc Financial Management Services for Crises- myassignmenthelp

Question: Discuss about theMsc Financial Management Services for Financial Crises. Answer: Describing the new market model for online/marketing lending depicted in the article and depicting the major difference from conventional banking: From the evaluation of the overall article, new market model for online/marketing lending measures can be identified, where relevant online lending measures are conducted by organisations. The relevant article directly indicates the possibilities that have increased the possibility of fulfilling the borrowing needs. The overall possibility of new marketplace lending directly reduces the extra cost and inefficiencies of the bank. Moreover, the article also states that online/marketing lending model mainly commenced the work after the when the banks were not able to providing relevant provisions for the borrowers. Moreover, the financial crisis also forced the FED to reduce interest rates at zero level, which promoted the activities of online/marketing lending. Emekter et al. (2015) mentioned that due to the zero interest rates lenders were able to provide adequate loans to borrowers, where no costs is incurred from operations. From the evaluation of the article, it was also identified that total advanced outstanding increased from $1 billion in 2010 to $12 billion in 2014, which directly indicates that rising demand for the services of online/marketing lending. Moreover, the article also depicts that Lending Club and OnDesk Capital US operators directly raised $1.23 billion from the stock market, which provided online/market lending more capital for their business. This rising trend of online/market lending mainly increases the risk, which could be identified from operations. The old ways of lending mainly has a complicated process, from which the actual credit worthiness of the individual is evaluated to identify viability of the borrower. Hence, the relevant online/market lending process directly needs only three months of banking statement for providing adequate loans to the borrowers. This mainly increases the overall business capacity of online/market lending as compared from the traditional conventional banking. Jimnez et al. (2014) mentioned that different finance providing companies after the financial crisis have sprung, which directly provides capital for different individuals. Moreover, from the evaluation, it could also be identified that online/market-lending process has increased in recent years due to the availability of funds in the market. The article directly highlights Household or GE Capital Companies who are currently dependent on market funds to support their overall operations in US. This relevant availability of funds is mainly due to the absence of alternatives, which could provide higher returns from investment to an investor.The article also indicates negative attribute, where the history of liquidity is reminded, as shrinkage of spreads, sudden spike in loan losses, and regulations could directly liquidate or trigger a liquidity squeeze in the overall market. The identified negative attribute could directly affect operational capability of the organisation, which is providing financing support to the borrowers. An adequate example of lending club is presented, which directly depict the overall condition of companies lending money to the bo rrowers (Everett 2015). The company's overall revenue was $96 million from which only $86 million came from transaction fees, whereas the organisation has an expense of $100 million. Therefore, it could be identified that if the company is not lending more money than the losses incurred by the organisation will quickly pile up and increase the insolvency condition. However, the evaluation of the article it could be identified that Online/Market lending process is an innovative technology that have directly reduced cost and increased quickness in assigning the loan. Moreover, it is also indicated that increasing competition in the market for directly for the lending organisation to increase the risk by providing loans to adverse credit individuals. Hence, it could be identified that lending companies are currently in greater risk, which could need to insolvency condition (Guo et al. 2016). The relevant difference between online/marketing lending and conventional banking are mainly depicted as follows. Qualifications: From the valuation, it could be identified that conventional banking directly increases difficulty for small businesses where their product does not qualify to provide relevant returns to the banks. Moreover, there is a need of conventional banking for the loan process, where the organisation needs to be running for at least 2 years, which will directly enable them for the loan. The adequate score of 700 or more for FICO is also required for the business for attaining for the relevant loan. However, the qualifications for the Online/Market lending are mainly lenient, where only it requires 3 months for the business to attain adequate loan. Furthermore, the Online/Market lending does not put any kind of problems, which might reduce commencement of the loan process (Subrahmanyam, Tang and Wang 2014). Paperwork: There are relevant paperworks that is conducted by banks in comparison to Online/Market lending process. The overall paperwork directly includes financial data, investment information, and business summary, which directly increases the loan completion process. Furthermore, through the traditional approach lenders need to provide all the relevant business income tax returns, legal documents and other information to the bank (Lin et al. 2013). Moreover, the Online/Market lending process does not involve high documentation, where is it requires less documents for passing the loan. For example, Fundbox invoice financing only provides online accounting services only needs 6 months of accounts for providing relevant funds to the organisation. Funding times: The difference between conventional banking and online/marketing lending is the overall time that is taken for providing the relevant funds to the lender after the approval. The conventional banking system could take few weeks to few months for notifying regarding the decisions taken for the loan process. This high time that is needed by the conventional Bank major difference, which could be seen from online/marketing lending process. The overall online/marketing lending process provides adequate capital for daily expenses and investment that is necessary for equipments. Therefore, it could be identified that online/marketing lending process could provide decisions as fast as one business day. For example, companies like Lending Club and OnDesk Capital directly provides lender with the loan amount in one day after scrutinising their credit rating (Ingram, Littlewood and Lau 2013). APRs: Moreover, one of the major downfalls for online lending is the APRs, which is relatively higher despite the union requirements and fast funding address provided online lending. Moreover, the overall online reading process could have APRs well above 90%, which could directly have impact on the operations (Gilchrist and Mojon 2014). However, conventional banks have a low rate APRs, which directly help in improving their overall credit rating for. Moreover, conventional banks can provide single digit APRs, when borrowers are qualified for the loans. For example, one of the online lending companies such as OnDeck directly provides single digit APRs the lenders who have the excellent credit scores. The Bottom Line: Therefore, from the evaluation it could be identified that the use of Online/Market lending process is mainly for small organisation, which are in need for capital to expand their business. Therefore, from the valuation with the identified those small businesses are not able to qualify for the traditional loan requirements. These rejected borrowers were directly using the Online/Market lending process for gaining relevant capital, which will help in their business process. However, the traditional banking approach could provide funds at lower rates, which is not possible for Online/Market lending process (Acharya, Drechsler and Schnabl 2014). Therefore, from the evaluation it could be identified that companies who needs short-term loan on high interest rates can take loan from online/market place, while the companies that needs low interest rates loan could take loan from conventional banks. Depicting the financial risk present in online lending and stating the effects of economic financial stability if marketplace lending substantially increases: There are financial risks that are present from the use of online lending process, which could directly affect the overall economic stability. Moreover, the financial stability of the economy mainly declines due to the risks that are involved in the online lending process. The major financial risk presented from online lending process is depicted as follows. Credit risk: There is relevant credit risk involved in the online lending process, as borrowers that are unqualified for traditional loans mainly select the online lending process. Moreover, the online lending system has low requirements, where maximum of the borrowers are provided loans on high interest rates. This relevant accumulation of low credit rated borrowers could eventually increase risk of the online lending company, which in turn might raise the chance of credit default (Jagtiani and Lemieux 2017). Hence, the relevant credit risk could boost the financial risk, which could be boosted by the online process companies. Government protection: Moreover, from the evaluation of the government protection program it could be identified that the relevant online lending process does not get the protection. This relevant non-protection could eventually reduce the overall guarantee for the online lending process. Hence, the investments in the online lending process without government protection could result in high-risk situations (Malekipirbazari and Aksakalli 2015). Therefore, it could be identified that online lending process provides loans to borrowers with high risk and low credit rating, where the default chance of the loan is relevantly high. Therefore, the high risk could result in financial risk, which might affect the stock market. High APR: Moreover, the online process has high APR, which result in high cost loans and forces the borrowers to pay more interest on their borrowing. However, the high APR is mainly a risk, which is directly imposed on the capability of borrowers to support their financial obligations. This relevant imposing of higher interest rate increases the financial cost for individuals, which could lead to loan default. Freedman and Jin (2017) mentioned that us of high ARP could directly result in increased cost for the borrowers, which in turn might affect their ability to support their financial obligations. Hidden fees and terms: There are different types of hidden fees and terms, which could be identified that online lending process. This process could directly affect the overall financial cost of the borrowers, which in turn might increase their expenses. Bertay, Demirg-Kunt and Huizinga (2015) stated that high hidden fees and terms could directly increases expenses of the borrowers for both late and early payment of the loan. The online lending companies have different types of terms and rights, which could affect expenses of the borrowers. This hidden cost could force the borrowers to continue with high interest loans and in turn raise the relevant chance for expenses. Increasing fraud risk: There is relevant risk from fraud, which could directly have negative impact on the operations of the company. These adequate rising fraud and default of high interest bearing loans could also raise the problems for the financial sector. The high defaults in loan were the main reason behind the financial crisis of 2007, which could eventually increase the relevant risk from operations (Dell'Ariccia, Laeven and Suarez 2017). This identified risk could directly have negative impact on the overall economys financial stability if the practise of marketplace lending substantially increases in future. This adequate risk could also directly affect the economy, where relevant problems could be raised, which in turn might affect the capital market. DeYoung et al. (2015) argued that increment in instability of the economy during 2008 led to the financial crisis, which nearly liquidated the financial sector of the whole world. Depicting the relevant view on the statement they can weather a downturn because they do not own the loans they originate: From the overall evaluation of the article relevant view on the statement could be identified, which directly indicates the overall perception of online lending companies. The relevant statement directly indicates that online lending companies do not have any kind of obligations against the loans, as they do not own the relevant loans. This directly states that the overall loans originated by the online lending process are directly sold in the market in form of bonds and hedging products. Furthermore, adequate statement directly indicates that online lending companies mainly transfer the overall risk from them to other investors whose money is used to finance their activities (Mills and McCarthy 2014). The statement directly justifies the current condition of the online lending companies in US, which could be identified from the article. Hence, from the evaluation of the article it could be identified that different financing companies have taken money from the market to support the overall operations. This relevant transfer of money from investors to the financing companies is directly depicting the overall statement. The statement further states that financial lenders such as Lending Club and OnDeck Capital directly raised adequate capital from the market to support its rising capital needs. There are many instances where different lenders have relevantly taken money from the market by providing attractive return from investment. Gonzalez and Loureiro (2014) mentioned that investors use the highly risky online lending process for the investment, as there is no more lucrative options provided currently in the market. Therefore, the online financing companies get all the adequate returns from investment, which could help in improving its operational feasibility. Furthermore, seeing the rising trend Online lending process could eventually trigger a financial meltdown if adequate measures are not taken by the companies. The relevant statement is mainly conceiving a dangerous situation in which the current online lending process is increasing the risk of potential economic crises. The current situation of the online lending process is relatively in mess, which is directly affected conventional banking system. The rising default rates in online lending process are directly affecting the conventional banking system where adequate regulation needs to be imposed. Moreover, the financing means of individuals are relatively increasing, which is forcing the online lending market to increase the operational capability. In this context, Chaibi and Ftiti (2015) stated that operations conducted by the financing companies mainly increases the risk of insolvency due to acceptance of proposals from low credit rating borrowers. Currently from the evaluation it could be understood that the online loan providing companies are using different types of financial products to generate the relevant capital for the operation.Moreover, the online company is selling the relevant loans to investors who are willing to invest in the booming market and increase the returned from investment.However, from the studies conducted in US, it is seen that online loan providing companies are charging high amount of interest, which is drastically increasing overall chance of default among borrowers. Therefore, the relevant statement directly support the actions that is currently being conducted buy all the online lending companies. Depicting how online/marketplace lending practices within a regulatory framework, while providing some practical recommendations: From the overall evaluation of the article it can be seen that there are different types of regulator actions that is being imposed on the online lending companies. The adequate regulation could eventually help in controlling the online lending process and reduce the chance of an economic crisis. Moreover, it is mainly identified that the rapid growth in online lending process is mainly due to the low impact of regulations which is faced by the conventional banks. This is the main reason, which is driving the overall growth in online lending place. However some of the regulations are being imposed in the online lending process, where the US Treasury Department directly issued a request for providing all the information on online lending companies. Moreover, the Consumer Financial Protection Bureau has started accepting complaints regarding online lending companies, which is directly implicating that the government is taking active steps to ensure safety of the US citizens (Forbes.com 2017). Furthermore, the US government is currently involved in a court case which would help in changing the interest rate that is imposed by the online lending companies. This could eventually help in maintaining a certain slab for both interest rates and credit rating for protecting the investors money. Therefore, adequate regulations needs to be imposed on the online lending companies which might help in improving the financial stability of the economy and reduce defaulters. The rising Interest rates that are imposed by the online lending companies and the evaluation of their financial report directly indicated the weak financial position. Hence, the US government needs to implement adequate regulations on the online lending company for reducing the risk from investment and complying with all the financial commitments. First of all the reduction in interest rate needs to be imposed, where adequate interest rates starting from loan amount to the time needs to be calculated. Is second resolution that needs to be imposed on the online lending companies is credit rating measure. The companies are lending money to individuals who have bad credit rating and are not able to repay the loan amount and interest to the company (Ft.com 2017). Therefore, adequate credit rating slab could eventu ally allow the online lending companies to select investors who have adequate credit rating and are reliable to pay the loan amount. Lastly, an adequate auditing needs to be conducted of all the online lending companies, as it might help identifying whether they are complying with all the regulations imposed by the US government. References: Acharya, V., Drechsler, I. and Schnabl, P., 2014. A pyrrhic victory? Bank bailouts and sovereign credit risk.The Journal of Finance,69(6), pp.2689-2739. Bertay, A.C., Demirg-Kunt, A. and Huizinga, H., 2015. Bank ownership and credit over the business cycle: Is lending by state banks less procyclical?.Journal of Banking Finance,50, pp.326-339. Chaibi, H. and Ftiti, Z., 2015. Credit risk determinants: Evidence from a cross-country study.Research in international business and finance,33, pp.1-16. Dell'Ariccia, G., Laeven, L. and Suarez, G.A., 2017. Bank Leverage and Monetary Policy's Risk?Taking Channel: Evidence from the United States.the Journal of Finance,72(2), pp.613-654. DeYoung, R., Gron, A., Torna, G. and Winton, A., 2015. Risk overhang and loan portfolio decisions: small business loan supply before and during the financial crisis.The Journal of Finance,70(6), pp.2451-2488. Emekter, R., Tu, Y., Jirasakuldech, B. and Lu, M., 2015. Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending.Applied Economics,47(1), pp.54-70. Everett, C.R., 2015. Group membership, relationship banking and loan default risk: the case of online social lending. Forbes.com. (2017).Forbes Welcome. [online] Available at: https://www.forbes.com/sites/marcprosser/2016/04/11/regulation-online-marketplace-lending/#5deb25516f78 [Accessed 9 Oct. 2017]. Freedman, S. and Jin, G.Z., 2017. The information value of online social networks: lessons from peer-to-peer lending.International Journal of Industrial Organization,51, pp.185-222. Ft.com. (2017).Online lenders stuck on a hamster wheel. [online] Available at: https://www.ft.com/content/caf06b3e-548c-11e5-8642-453585f2cfcd [Accessed 9 Oct. 2017]. Gilchrist, S. and Mojon, B., 2014. Credit risk in the euro area.The Economic Journal. Gonzalez, L. and Loureiro, Y.K., 2014. When can a photo increase credit? The impact of lender and borrower profiles on online peer-to-peer loans.Journal of Behavioral and Experimental Finance,2, pp.44-58. Guo, Y., Zhou, W., Luo, C., Liu, C. and Xiong, H., 2016. Instance-based credit risk assessment for investment decisions in P2P lending.European Journal of Operational Research,249(2), pp.417-426. Ingram, R.N., Littlewood, D. and Lau, A., Neobanx Technologies, Inc., 2013.System and method for assessing credit risk in an on-line lending environment. U.S. Patent 8,560,436. Jagtiani, J. and Lemieux, C., 2017. Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information. Jimnez, G., Ongena, S., Peydr, J.L. and Saurina, J., 2014. Hazardous Times for Monetary Policy: What Do Twenty?Three Million Bank Loans Say About the Effects of Monetary Policy on Credit Risk?Taking?.Econometrica,82(2), pp.463-505. Lin, M., Prabhala, N.R. and Viswanathan, S., 2013. Judging borrowers by the company they keep: Friendship networks and information asymmetry in online peer-to-peer lending. Management Science,59(1), pp.17-35. Malekipirbazari, M. and Aksakalli, V., 2015. Risk assessment in social lending via random forests.Expert Systems with Applications,42(10), pp.4621-4631. Mills, K. and McCarthy, B., 2014. The state of small business lending: Credit access during the recovery and how technology may change the game. Subrahmanyam, M.G., Tang, D.Y. and Wang, S.Q., 2014. Does the tail wag the dog?: The effect of credit default swaps on credit risk.The Review of Financial Studies,27(10), pp.2927-2960.