Race, Urban Poverty, and Public Policy - 2419 Words

The problems of race and urban poverty remain pressing challenges which the United States has yet to address. Changes in the global economy, technology, and race relations during the last 30 years have necessitated new and innovative analyses and policy responses. A common thread which weaves throughout many of the studies reviewed here is the dynamics of migration. In When Work Disappears, immigrants provide comparative data with which to highlight the problems of ghetto poverty affecting blacks. In No Shame in My Game, Puerto Rican and Dominican immigrants are part of the changing demographics in Harlem. In Canarsie, the possible migration of blacks into a working/middle-class neighborhood prompts conservative backlash from a†¦show more content†¦educational system would be further buttressed by quality child-care provisions which would also included pre-first grade/kindergarten nursery schools modeled after the French à ©cole maternelle. Wilsons other policy recomm endations include suburb-city economic partnerships, many of which coincide with Jargowskys recommendations in Poverty and Place, as well as policies revolving around the earned income tax credit (EITC) and public jobs of last resort, which are part of policy recommendations shared by David Ellwood and Herbert Gans (see below). In No Shame in My Game, anthropologist Katherine Newman attempts to draw greater attention to the plight of the working poor rather than the jobless poor. She and her research team explore the lives of Harlems working poor, primarily focusing on the fast food industry or burger flippers as the subject for her largely ethnographic study. One of the important insights articulated in her study is the extended familial structures/networks that rely on wage and welfare income as a means of survival, in addition to providing resources such as child care: networks she identifies in African-American, Dominican, and Puerto Rican working poor families in Harlem. Thus, welfare reform restructuring will not only impact those families who rely solely on welfare for survival, but also on those working poor familiesShow MoreRelatedInsular Poverty Essay1448 Words   |  6 PagesEnglish 102 Insular Poverty 11/3/2012 Nobody wants to be considered to be below the poverty line. Unfortunately, for fourteen percent of the people in this country, that is their reality. Fourteen percent of the people currently living in the United States’ basic needs for food, clothing, and shelter are not being met. Poverty is experienced at different levels in different parts of the country. The causes and effects of insular poverty are experienced differently in rural and urban areas in the UnitedRead MoreLiberal Individualism And The American Welfare System1324 Words   |  6 Pagesliberalism during President Johnson’s war on poverty. Davies gives careful consideration to the political and authoritative battles of the 1960’s, particularly in the course of seeing the American welfare system differently. There were several important historical events and circumstances that contributed to the transition from opportunity liberalism to entitlement liberalism. These included the White House Planning Conference, Civil Rights Movement, Race and Poverty, National Welfare Movement, and the VietnamRead MoreCommunity School Model And Community Development Essay1404 Words   |  6 Pagesvary. Educational policies have not necessarily been effective in addressing the complex issues which impact students. Anderson-Butcher, Stetler, and Midle, (2006) characterize â€Å"risk factors†, as behaviors such as aggression, antisocial attitudes, poor peer relations, family conflict and instability, and negative community norms and disorganization. According to the author, these factors have been historically attributed to students residing in economically challenged urban communities (Anderson-ButcherRead MoreHabitat for Humanity1727 Words   |  7 PagesHabitat for Humanity Habitat for Humanity International is a nonprofit, world-wide Christian housing ministry. Habitat for Humanity International seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action. â€Å"Habitat for Humanity works in partnership with God and people everywhere, from all walks of life, to develop communities with people in need by building and renovating houses so that there are decent houses in decent communitiesRead MoreCity Schools And The American Dream : Reclaiming The Promise Of Public Education898 Words   |  4 PagesPedro Noguera, a phenomenal urban sociologist and a professor at New York University confronts the problems which exist in our nation’s education system in his book, City Schools and the American Dream: Reclaiming the Promise of Public Education. Noguera describes what he views to be the main problems facing urban education and suggests strategies for improvement. From years of exper ience as a teacher and school board member, he reflects on what he believes to be the real problems. Noguera blamesRead MoreThe American Education System1303 Words   |  6 Pagesdepends on whether they attend an elite school or urban schools. Elite schools are located in upper class neighborhoods. Students who attend elite schools receive high quality education. Demographically, the majority of students who attend elite schools are Caucasian. This does not necessarily have much to do with the skill level of the students who apply to the school. More often than not, the application process for these schools is discriminatory. Urban schools on the other hand, are inner city schoolsRead MoreA Ethnographic Work By Jonathan Rieder1223 Words   |  5 Pagesanother which transformed into urban ghettoes with the vast majority of blacks. However, Rieder provides a powerful look at historical Democratic constituency could break from the political party affiliation and support the Republic an candidates as a social rebel to liberal policies geared towards racial integration which invokes perceived threats to their middle-class lifestyle. Elijah Anderson in â€Å"Streetwise† depicts an interesting portrait of the politics of urban change, documenting the lifeRead More21st Century Segregation: Are We Still Divided by Race?1642 Words   |  7 Pages21st Century Segregation: Are We Still Divided by Race? Racial segregation was a concept that began in early history and is still prevalent in some societies today. It is often seen as a destructive forceful tactic of separating individuals based on their racial background. However, many new immigrants voluntarily choose to live in a segregated society. Segregation can be easily seen in certain communities where there is a concentration containing a particular racial group. The area where oneRead MoreThe City / Suburban Divide1405 Words   |  6 Pageschallenging issue. In our text Chapter 6 titled â€Å"The City/Suburban Divide† (Judd Swanstrom, 2015, p. 136) identifies a subject that very well may contribute to the tension. A reference to the â€Å"urban crisis† describes a landscape that is littered with â€Å"high levels of segregation, inequality and poverty, along with racial and ethnic tensions.† (Judd, et al., p. 165) Many scholars argue that the crisis was a result of the demographic changes the nation experienced following World War II as advancementsRead MorePoverty Of The United States1529 Words   |  7 PagesPoverty is an important issue in the United States. In fact, child poverty in the US is at its highest point in 20 years. [Flores Lesley, 2014] The poor are at a disadvantage, because they have an unfulfilled right to a good education. A majority of children attending public schools come from low-income famil ies. It is hypothesized that a low household income correlates with poor achievement in school. A solution to poverty is for everyone to have a good education so everyone can be equally

The Worldwide Influence of St. Thomas Aquinas Essay

The Worldwide Influence of St. Thomas Aquinas Thomas Aquinas was born in the year 1225 into an incredibly Catholic family in a small town in Italy. As Thomas Aquinas grew up, he was very smart and was very interested in the catholic faith and philosophy and ultimately became a teacher of all these things. Thomas Aquinas proved that he was an important historical figure over his life time by being a leader in the Catholic Church , writing The Summa and spreading his beliefs. Thomas Aquinas proved himself as the important historical figure we know him as today with his leadership in the Catholic Church and by helping people understand the religion. Thomas Aquinas was heavily involved in the church and took on smaller behind the scenes†¦show more content†¦One of Thomas Aquinass greatest accomplishments was his book called The Summa, this helped create his place in history because it was one of the first books by a philosopher proving Gods existence. Summa was written for the common people by Thomas Aquinas to help the readers understand that the religion is reasonable. The book also takes Thomas Aquinas researches of philosophy and bring them into his religious beliefs. The book was written sometime around 1265-1272. In The Summa, Thomas Aquinas basically talked about how there is no reason why not to believe in god. He made statements that showed there IS evidence into believing in god but no evidence not to believe in god. The summa is divided into 3 chapters in which Thomas Aquinas gave different sets of evidence. The first summa is the fact that Thomas Aquinas believed in Gods existence. In the Summa, Thomas Aquinas says, God wills good to every being which exists and loves them. Together making love the common denominator of God to the world. Statements like this in the first summa were referring to the fact that god helps everyone and it brings out the best love in them. The second summa was all about ethics and how people should act. Aquinas based a lot of his information of of the information of a man he studied for years, Aristotle. Aristotle was just before Thomas Aquinas time and Thomas Aquinas didnt only learn information from him, he learned how toShow MoreRelatedThe Strengths and Weaknesses of Dualism4580 Words   |  19 Pagesin more recent times. Continuing from Plato, St Thomas Aquinas extended earlier works on dualism in his endeavour to unite philosophy with proof of God. Aquinas agreed with the Artistotlean notion that when the soul entered the body it animated it and gave it life; calling it anima. Moreover according to Aquinas, the soul operates independently of the body and it cannot decay; for only things that can break into parts can decay, Thus, following Aquinas argument, the soul is able to survive deathRead MoreThe Vampire Lestat and the Problem of Eternal Damnation Essay3601 Words   |  15 Pagesfrom his creator. (Saintaquinas.com: 1) If mortal sin is a grave matter, what does the bible constitute as being a grave matter? One idea to look upon is breaking any one of the Ten Commandments, although some are not considered as grave as others. St. Paul offers us a list of such offences, which if committed will not allow the sinner to enter the Kingdom of God: The acts of the sinful nature are obvious: sexual immorality, impurity and debauchery; idolatry and witchcraft; hatred, discord, jealousyRead MoreRelationship Between Religion and Art in Medieval, Renaissance and Contemporary Times2657 Words   |  11 PagesIn a brightly-lit corner of St Peter’s Basilica, sitting behind a clear panel of glass, is Michelangelo’s Pietà  . A marble-white sculpture of the Mother Mary, her eyes downcast, gazes at her Son who lies dead across her lap. She seems both devastated and deep in thought. She is young and beautiful, in line with the old belief that a perfect soul meant a perfect outward appearance (Smart 122). She is famous and celebrated, and is visited by Christians from every nation. In another part of the worldRead MoreThe Vocation of the Business Leader: A Reflection15551 Words   |  63 PagesVeritate: The Logic of Gift and the Meaning of Business† was held at the Pontiï ¬ cal Council for Justice and Peace (PCJP), in collaboration with the John A. Ryan Institute for Catholic Social Thought of the Center for Catholic Studies at the University of St. Thomas and the Ecophilos Foundation. The meeting followed the October 2010 conference â€Å"Caritas in Veritate and the USA†, which the PCJP held in partnership with the Institute for Advanced Catholic Studies of Los Angeles, and continued its study of businessRead MoreThe Origin, Development and Significance of Human Rights10255 Words   |  42 Pageshowever, that natural law became associated with natural rights. In Greco-Roman and medieval times, doctrines of natural law concerned mainly the duties, rather than the rights, of Man. Moreover, as evidenced in the writings of Aristotle and St. Thomas Aquinas, these doctrines recognized the legitimacy of slavery and serfdom and, in so doing, excluded perhaps the most important ideas of human rights as they are understood today--freedom (or liberty) and equality. For the idea of human rights quaRead MoreOrigin of International Law5357 Words   |  22 Pagesphilosophers of third century BC. Rules of Natural Law were rational and logical, and because the ideas and precepts of the ‘Law of Nature’ were rooted in the human intelligence, so such rules can’t be restricted to any group or any nation but of worldwide relevance. Certain Roman philosophers incorporated these Greek ideas of Natural Law into their own legal theories, often as a kind of ultimate justification of Jus Gentium. However the law of nature was held to have an existence over and aboveRead MoreThe Ethical Debate Concerning Cloning Essay6336 Words   |  26 PagesTypically Roman Catholic view of reproductive technologies is negative. In condemning cloning, the Roman Catholic Church stressed that every human has the right to be born in a human way and Pope John Paul II called for an unconditional worldwide ban on the use of cloning. As mentioned earlier, GIFT is one example of a compromise that has been made between Catholicism and technology. However, in examining an issue such as cloning, there are two traditional issues of importanceRead MoreNational Security Outline Essay40741 Words   |  163 PagesPirates that were harassing US ships in Mediterranean) -Resources -Centers around protection of resources necessary for military capabilities -Other resources US willing to use force to protect: Oil (note actions taken by US to protect oil), worldwide economic access -Ideals -Many Americans (since nation was founded) view that protection of certain fundamental values as center of national security -Determining Interest: What Conditions Should We Seek? -Military Sufficiency -Issue is how

Bank Loans - 1538 Words

BANK LOANS- statistics project on bank loans 1. Introduction This study has been conducted in order to obtain some extra information regarding credit retrieval from banks. We have collected data from 120 people which have contracted bank loans, by asking them to answer our questionnaire. The questionnaire consists of 15 interconnected questions we consider relevant and might help interpret the results better. In a loan, the borrower initially receives an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage†¦show more content†¦[pic] 2.4. Children Children seem to play a major role in the decision of getting a bank loan of a person or couple. Out of the selected persons, only 27 did not have any children and most of them were in our youngest age group, fact that is understanble considering the implications that raising a child has. Most people had one or two children, but there were two cases in which the person had more than three children. [pic] 2.5. Education level As expected, the education level had a major impact on the number of loans accesed. The â€Å"wining† category was the bachelor degree one, as people from this group have a higher level of education and are prone to have better jobs, thus having more chances in receiving a loan from a bank. Furthermore, they are the ones that require more money for investments, which usually comes from banks. The sutyd revealed that 67 people with a bachelor degree had a loan, thus more than 50% of the total interviewed subjects. On the other hand, there were 23 people who had finished high school and responded positive, showing that loans for personal needs attract customers. [pic] 2.6. Profession Profession is linked in a way to the income of a person so it has a big impact on the results. Although we tried to offer a large variety of options, many of the interviewed volunteers chose the option â€Å"Other† . The graph speaks forShow MoreRelatedObtaining A Bank Loan Crisis3102 Words   |  13 PagesObtaining a bank loan, just as any debt, increases a government’s aggregate amount of debt. Additional debt is of concern for bondholders as it can weaken a government’s debt position. Knowledge of a government’s entire debt burden is essential in credit and risk analysis. Contingent liquidity risk Some bank loan agreements may have covenants or terms that may be more favorable to loan agreements over existing bonds. In some cases banks may be able to effectively prioritize repayment of a bank loan overRead MoreStudent Bank Loans? Essay576 Words   |  3 Pagesfinancial organizations like student bank loans. Different banks are coming up with financial assistance to the graduate students and post graduate students. They have different options for student loans repayment so that a student can pay student loans back to the financial organization in a timely manner without any extra pressure on their shoulders. That’s why government institutions are also supporting these financial institutions regarding student loans and other student welfare management asRead MoreMultiple Loans Options Of Banks That Offer Personal Loans Essay2182 Words   |  9 PagesMultiple loans options of banks that offer personal loans Description: banks that offer personal loans create different loan schemes under which a wide variety of loan exists and if you do not know about them, then proper selection will not be made. If you think that all banking loans are secured, then you are wrong as some of them are also unsecured. If you visit those banks that offer personal loans then you will come to know regarding how loans are categorized into secured and unsecured formsRead MoreEssay about Bond and Alternative Bank Loans606 Words   |  3 Pagessavings be? Assume the bank fee will be $2,000 per month. 2. St. Luke’s Convalescent Center has $200,000 in surplus funds that it wishes to invest in marketable securities. If transaction costs to buy and sell the securities are $2,200 and the securities will be held for three months, what required annual yield must be earned before the investment makes economic sense? 3. Your firm is considering the following three alternative bank loans for $1,000,000: a) 10 percent loan paid at year end withRead MoreSummit Community Bank s Commercial Loan Portfolio840 Words   |  4 PagesSummit Community Bank’s Commercial Loan Portfolio has a 2.9 billion total comprised of the following type loans and life cycles: Start- Up: 8.44% of our portfolio is considered in this life-cycle. While we define or categorize our loans differently, collectively, we have classified our Construction and Development Tier to this life-cycle stage. Because this is the highest-risk category, it obviously reflects why it is such a small portion contributing to our portfolio. -Family Housing Construction-Read More2. Outline the Advantages and Disadvantages of the Securitisation of Bank Loans.1764 Words   |  8 PagesAdvantages 1. Gap Management In general, banks and other financial intermediaries have longer durations of assets than liabilities. This duration mismatch exposes them to interest rate risk whenever rates are volatile. Specifically, if the duration of a banks assets is longer than its liabilities, rising interest rates will reduce the net worth of the bank and could threaten its capital adequacy position. One obvious way to manage this duration mismatch is for the bank to either lengthen the duration ofRead MoreThe Trend Of Bad Loans Of The Bank During The Past Five Years Essay1324 Words   |  6 PagesResearch question one sought to establish the trend of bad loans of the bank during the past five years. The study shows the trend of loans for the past five years, the types of loans that Societe Generale advances to its customers as identified by the study respondents. Personal Loans, Auto Loans, School Fees Loans and Finance Lease. The study shows that the bank recorded the lowest bad debt ratio in 2013 and hi ghest in 2015. It was attributed to the current economic volatility in the country. TheRead MoreLoan Disbursement and Recovery System of Ific Bank Limited18002 Words   |  73 Pagesâ€Å"Loan Disbursement and Recovery System of International Finance Investment and Commerce Bank Limited† Internship Report â€Å"Loan Disbursement and Recovery System of International Finance Investment and Commerce Bank Limited† Submitted to: Md. Shajul Islam Assistant Professor Department of Business Administration Stamford University Bangladesh Submitted by: Md. Razib Ahamed ID No: BBA 03712192 An internship report submitted in partial fulfillment of the requirement for the DegreeRead MoreThe Effects Of Bad Loans Of The Bank During The Past Five Years Essay2380 Words   |  10 Pageshave worked for the bank for over 20 years. These findings show that sampled respondents are people with experience in the banking industry as a whole and Societe Generale in particular and therefore qualifies to give credible responses to questionnaire instruments. Krietner (1995) states that more experienced workforces are able to impact knowledge to co-workers and even clients thereby improving efficiency and effectiveness. 4.3 Analysis of the trend of bad loans of the bank during the past fiveRead MoreLoan Bank Should Not Be Paid From A Large Well Known Company Like Aeon Essay967 Words   |  4 Pageswhen bank borrows this big amount of money to a large well known company like Aeon, however, in case of not being able to pay back the loan bank will face risks such as: †¢ Not being able to get the money back on time †¢ The extra costs and effort in selling the securities †¢ Aeon might make problems or slow the process of the selling securities †¢ Not being able to recover whole money in short period †¢ Some of the assets might be damage by the time In case that Aeon is not able to pay off the loan bank

In Situ Hybridization Radiolabeled

Question: Discuss about theIn Situ Hybridization forRadiolabeled. Answer: Introduction: In Situ hybridization can be defined as a technique which involves labeling of a probe consisting of one or more than one genes with radiolabeled or fluorescent dye or a reporter molecule is hybridized to specific cells resulting in a coloured product. This technique uses a labeled complementary DNA, RNA or any other nucleic acid strand in order to localize a particular DNA or RNA sequence (1). The probes generally used in this technique are dsDNA probe, ssDNA probe, RNA probe and synthetic oligonucleotides probe. This report aims to focus on the application, advantages or disadvantages and control measures involved in the technique (2). Application: In Situ hybridization have high significance in the application of locating specific nucleic acid sequences on tissues or chromosomes in order to understand the regulation, organization and specific gene function (5). The various applications of In Situ Hybridization are as follows: To identify the population structure and morphology of microorganisms. This technique is also used in the pathological study such as abnormal gene expression and pathogen profiling. In Situ Hybridization is also applied in phylogenetic analysis and karyotyping. It is also involved in the study of developmental biology such as gene expression profiling. This technique is used in physical mapping (5). Figure: Generation of Riboprobes using In Situ Hybridization (Source: www.ncbi.nlm.nih.gov) Advantages or Limitations: The main advantage of In Situ Hybridization is that, the technique aids to determine the distribution of specific nucleic acids in relation to the protein products of the gene target. It also enables to identify the relation of the nucleic acids with cellular structures with the application of immunochemistry (4). Moreover, EFTEM technique produces images that can give quantitative information. However, the major disadvantage of In Situ Hybridization is the difficulty in the process of determining targets with low DNSA or RNA copies. Moreover, its time consuming and costly. Data Collected From the Approach: The data generated by FISH depends on the sources of variability during the analysis process (3). The sources of variation might arise from the differences in probe used, sample preparation, hybridization protocols, heterogeneity of intrasample, filters and counting criteria. The fluorescently labeled probe that has hybridized to the nucleus in the cell of interest will appear as specific fluorescent dot. This implicates the success of the hybridization technique using Fluorescent In Situ Hybridization (FISH). Analytical validation allows the interpretation of the outcome of the FISH data. In addition to this the high degree of probe specificity aids in better interpretation of data in terms of FISH (2). Controls Used: In terms of In Situ Hybridization controls although controls are inclusion of such experiments, they are not used properly. Controls for tissue mRNA quality are added to verify the status of mRNA and tissue (5). In Situ Hybridization controls are of two types, positive and negative controls. Polyd (T) is generally included in the control. Sometimes in certain experiments in situ hybridization is performed using the proper oligonucleotide probe on a new, positive control tissue which is known to contain the sequence of interest (1). Conclusion: In Situ Hybridization is a powerful tool used for localizing of a particular nucleic acid targets within a cell or tissue that helps in the obtaining information about the gene expression and gene loci. The fluorescently labeled probe that has hybridized to the nucleus in the cell of interest will appear as specific fluorescent dot and this data re interpreted to validate the required outcome. There are various applications of In Situ Hybridization such as in the field of microbiology, immunology and pharmacogenomics. However, the limitation of this technique is it is costly and time consuming. References: Murray PR, Rosenthal KS, Pfaller MA. Medical microbiology. Elsevier Health Sciences; 2015 Oct 28. Nagarajan K, Loh KC. Molecular biology-based methods for quantification of bacteria in mixed culture: perspectives and limitations. Applied microbiology and biotechnology. 2014 Aug 1;98(16):6907-19. Nikolakakis K, Lehnert E, McFall-Ngai MJ, Ruby EG. Use of hybridization chain reaction-fluorescent in situ hybridization to track gene expression by both partners during initiation of symbiosis. Applied and environmental microbiology. 2015 Jul 15;81(14):4728-35. Stender H, Williams B, Coull J. PNA fluorescent in situ hybridization (FISH) for rapid microbiology and cytogenetic analysis. Peptide Nucleic Acids: Methods and Protocols Second Edition. 2014:167-78. Wagner M, Haider S. New trends in fluorescence in situ hybridization for identification and functional analyses of microbes. Current opinion in biotechnology. 2012 Feb 29;23(1):96-102. Wright ES, Yilmaz LS, Corcoran AM, kten HE, Noguera DR. Automated design of probes for rRNA-targeted fluorescence in situ hybridization reveals the advantages of using dual probes for accurate identification. Applied and environmental microbiology. 2014 Aug 15;80(16):5124-33.