There are 3 Major Problems that I want to emphasize in this Review. The first was the HOUSING BUBBLE. It affects many housing markets in the economy of United States, and at that time the proportional relationship of bank’s own assets ratio of money borrowed by an investment bank versus the bank's own assets reached the unexpected levels. The credit default swap was the same as the insurance policy. By then the speculators could buy CDSs that they will bet against CDOs that they did not own. Huge number of CDOs was supported by subprime mortgages. One responsible individual that is responsible about this said problem was GOLDMAN-SACHS. in the first half of 2006 they sold more than $3 billion worth of CDOs. This problem was maximized by Goldman because he also bet on low-value CDOs, telling lies about to the investors that it was high quality. And I think that housing bubble has already solved itself, and I think that the question should be the solution to housing implosion. One answer would be to do nothing, let the market find the true price of housing over the next couple of years as foreclosures make their way through the system.
The second problem is the collapse of the MARKET CDOs leaving investment banks with more than hundreds of billion dollars in loan. Thus The Great Recession began, late the bear stern is out of cash. And on the following months, the federal government took over Fannie Mae, and Freddie Mac, which is nearly collapsing, then 2 days later the Lehman Brothers collapsed. The persons or agencies involved in this said problem was the LENDERS because they are not satisfied in just mortgage, they find a way to find a new higher profit. The “subprime” mortgage i.e mortgages of much higher risk, but paying much higher interest rates, made to borrowers with lower levels of credit. With increasing demand from Wall Street to buy subprime mortgages, lenders became motivated to place ever more subprime loans (since they were no longer at risk, should the loans fail), and began to push messages like, “refinance your home, unlock all that equity, pay off your credit card debt, and go on vacation.” Often, lenders convinced those without credit and who can’t afford a mortgage at all to get one anyway.
And the last problem was UNEMPLOYMENT because of what happened, like the global recession many people not only in the Wall Street but the whole world have lost their jobs, people the banking firms and agencies declare bankruptcy, many people have left with nothing and they cannot get their saving. This problem can be solve by the Government, Government support to struggling industries in order to try to save jobs, The Government needs to try to create demand in the economy. It could; Give grants to businesses to produce goods, Have projects such as road building, Cut interest rates to encourage spending, Cut income tax to courage spending.
Thursday, July 19, 2012
Commentary Writing: Social Media changes the ways students write and speak
When the internet became popular, different social media has come out bundled with speculations that it would change the way students write and speak, Social Media continues to persuade students to use it because of some of it’s cool features, like you can chat with your friends around the globe, you can really be more social with friends, and play their games anywhere you want. It would be unfair to single Social Media out for criticism because there is no assurance if it has positive or negative effect on students. A powerful tool, Technology at it is best, Social Media takes advantage on students because they are versatile, for a moment they want it because of their needs, or it is what they want. Students want instant communication and entertainment, that’s why many students are affected by this notion.
In some Social Media settings there’s no limitation, whether you want to elaborate further or just make it shorter, it is your choice, in short they have freedom to abbreviate or shorten they word of choice to emphasize what they are pointing out. A student uses “LOL”, “TTYL” and any other acronym. Students adapt to this easily, when they are chatting with their friends on facebook and they encounter this odd word, they would recognize it easily, it is like they know without their brain processing it. Friends play a big part on this. Because they acquire this new word they would rather use it to their friends also and the cycle repeats again. That’s basically how the world travels, and students are the one of its carrier.
Since we know that twitter has a 140 character limitation, students who use it might have difficulty of trying to convey what their message has for its reader, but this will make students think of other way to make their work more compact in a sense that everybody who read it can understand its meaning. “Who says you must have full sentences or paragraphs of text to make an impact or to drive people to action?”(Sherman, 2010). Indeed what he said was right, students nowadays adapt this skill and change the way they write in to more conducive and productive way that not only whey can be benefited from it even us the reader. ”The real revolution was not the printing press itself it was when everyone learn to read and write” (Mayfield, 2009). Mayfield is trying to emphasize that when something is “in” it is not because many people “use” it, it is because many people “know how to use it”. and Social Media is one and it is growing and it is changing the way we speak, do you experience something that even without speaking through your mouth and telling what is your name someone will recognize who you are, one reason is because of the personal things that you tell the world through internet, well they can basically search for your name and redirect to your blog, or to your wall in facebook where they can see information about you, Social Media can affect the way you communicate to others, but still this is not new to us because at the first place we are the one who posted it there thinking and hoping that it will not to any harm to us.
Social Media is something that we must learn before we can use it; it is not a talent that if you want to do it you will do it not everybody has the knowledge to use such thing that’s why students are thought how to use our resources which is readily available, it is the Information Technology. One social networking site has triumph over the students because of its popularity and everybody is basically using it nowadays, Facebook. It has benefits “Spend more time indoors, Facebook can keep your personal information, Giving away information to companies, Student get lower grades, Damages real life socialization, Get addicted not only to games but also the web. And it will possibly destroy how you live.”(Fung, 2011). Despite of its cost social media is use by students to share and gather information, they can go to an online discussion and enhance their knowledge, maybe social media don’t just change the ways students think, but it is helping them enhance their writing to be more concise and straightforward, improve their speech because of some insight s from others that they get from the online discussions.
References
Fung, NA. (2011, February 28). Why are people addicted to social networking sites like Facebook? (Project). Retrieved from http://fungslearningblog.blogspot.com/2011/02/why-are-people-addicted-to-social.html
Mayfield, A. (2009, July 16). WOMMA: Do You Speak Social?. Retrieved from http://www.slideshare.net/amayfield/womma-do-you-speak-social
Shermon, Aliza. (2010, April 28). How Social Media Is Affecting the Way We Speak and Write. Retrieved from http://gigaom.com/collaboration/how-social-media-is-affecting-the-way-we-speak-and-write/
In some Social Media settings there’s no limitation, whether you want to elaborate further or just make it shorter, it is your choice, in short they have freedom to abbreviate or shorten they word of choice to emphasize what they are pointing out. A student uses “LOL”, “TTYL” and any other acronym. Students adapt to this easily, when they are chatting with their friends on facebook and they encounter this odd word, they would recognize it easily, it is like they know without their brain processing it. Friends play a big part on this. Because they acquire this new word they would rather use it to their friends also and the cycle repeats again. That’s basically how the world travels, and students are the one of its carrier.
Since we know that twitter has a 140 character limitation, students who use it might have difficulty of trying to convey what their message has for its reader, but this will make students think of other way to make their work more compact in a sense that everybody who read it can understand its meaning. “Who says you must have full sentences or paragraphs of text to make an impact or to drive people to action?”(Sherman, 2010). Indeed what he said was right, students nowadays adapt this skill and change the way they write in to more conducive and productive way that not only whey can be benefited from it even us the reader. ”The real revolution was not the printing press itself it was when everyone learn to read and write” (Mayfield, 2009). Mayfield is trying to emphasize that when something is “in” it is not because many people “use” it, it is because many people “know how to use it”. and Social Media is one and it is growing and it is changing the way we speak, do you experience something that even without speaking through your mouth and telling what is your name someone will recognize who you are, one reason is because of the personal things that you tell the world through internet, well they can basically search for your name and redirect to your blog, or to your wall in facebook where they can see information about you, Social Media can affect the way you communicate to others, but still this is not new to us because at the first place we are the one who posted it there thinking and hoping that it will not to any harm to us.
Social Media is something that we must learn before we can use it; it is not a talent that if you want to do it you will do it not everybody has the knowledge to use such thing that’s why students are thought how to use our resources which is readily available, it is the Information Technology. One social networking site has triumph over the students because of its popularity and everybody is basically using it nowadays, Facebook. It has benefits “Spend more time indoors, Facebook can keep your personal information, Giving away information to companies, Student get lower grades, Damages real life socialization, Get addicted not only to games but also the web. And it will possibly destroy how you live.”(Fung, 2011). Despite of its cost social media is use by students to share and gather information, they can go to an online discussion and enhance their knowledge, maybe social media don’t just change the ways students think, but it is helping them enhance their writing to be more concise and straightforward, improve their speech because of some insight s from others that they get from the online discussions.
References
Fung, NA. (2011, February 28). Why are people addicted to social networking sites like Facebook? (Project). Retrieved from http://fungslearningblog.blogspot.com/2011/02/why-are-people-addicted-to-social.html
Mayfield, A. (2009, July 16). WOMMA: Do You Speak Social?. Retrieved from http://www.slideshare.net/amayfield/womma-do-you-speak-social
Shermon, Aliza. (2010, April 28). How Social Media Is Affecting the Way We Speak and Write. Retrieved from http://gigaom.com/collaboration/how-social-media-is-affecting-the-way-we-speak-and-write/
Tuesday, June 26, 2012
What really is beauty?
according to Oxford Dictionary
1 [mass noun] a combination of qualities, such as shape, colour, or form, that pleases the aesthetic senses, especially the sight: I was struck by her beauty an area of outstanding natural beauty
As i finish eating my lunch and i sat for a while then this T.V. Commercial was aired and it's about there beauty product and the way they persuade the viewers was somewhat decisive, at the end, they promoter was saying i forgot the line but it's something related to beauty.
But my main point here is that what really is beauty? Well for me beauty is really subjective, thus what i consider beauty maybe not to you, or to others. as my philosophy teacher always tell that we are all beautiful, and i believe him because everyone of us has good side, not all people realize it but even the baddest and meanest person had there soft side.
So, i don't believe in the commercial that if i go to there place and try there beauty products which i will not to, i will be beautiful. this is what i hate about media, that is blinding us to what the real thing is, i understand that people is easy to deceive, just a little talk and were conceive. but the thing here is as our life goes on, how we perceive things change, is it up to us to maintain this? or we let them change the good things to something even worse?
http://oxforddictionaries.com/definition/beauty
Saturday, June 23, 2012
Eureka Seven: Astral Ocean
Eureka Seven Ao
If your a fan of the Eureka Seven Episode and watch the anime series, you'll definitely love this sequel, Ao Fukai looks was similar to Eureka, Well anyway im enjoying this show, its a 24 Episode and almost 24 minutes of show.. so SIT BACK, RELAX and ENJOY :))
Sypnosis
The story is set on Okinawa's isolated island of Iwado, which has seen a
growing movement advocating a return to an autonomous government. Ao
Fukai, a 12-year-old boy with a missing father, lives on the island with
an old doctor named Toshio and is about to enter middle school. Ao's
mother was taken away a decade ago by unknown individuals. Naru Arata,
Ao's 12-year-old childhood friend and the story's heroine, lives with
her father, older sister, and grandmother. She has a "Yuta" power
awakened within her due to an incident when she was young. A mysterious
entity called "Secret" suddenly appears and launches an attack on the
Scub Coral lifeform on the island. Ao launches a certain military FP
called "Nirvash" aboard a Japanese military transport in his fervent
desire to protect the island.
(Source: FUNimation)
(Source: FUNimation)
Monday, June 18, 2012
Matisyahu Madness
Until then, let's Listen to his music.. ^_^
Matisyahu - I Believe In Love
Matisyahu - Sunshine
Matisyahu - Miracle
Sunday, June 10, 2012
Is Procastination A Real Problem..
I've Read and Article Written by Francis Wade About Procrastination and True It's Not A Problem Actually..
Webster’s Dictionary defines the word as follows:
With technology has come an increased number of demands on our time, and a variety of ways in which we allow ourselves to be interrupted, reminded or prompted to make new commitments. The only smart tactic to take is to put things off until later.
Take the simple example of checking your email Inbox.
In fifteen minutes it’s possible to scan 100 new items, while making 30 instant decisions to take further action. It’s impossible to act on all 30 items immediately. Instead, it’s a much better idea to focus on a single item at a time, rather than trying to split one’s attention between multiple tasks.
In other words, it’s better to “put it off from today,” “delay” or “defer to a future time” than to try to do multiple actions at the same time, in the very next moment.
Why is procrastination deemed to be such a problem if, by its definition, the action is such a benign and even useful one? I suspect that when we call a problem by its incorrect name, we prevent ourselves from seeing clear, common-sense solutions. The word “procrastination” is being used to label the wrong problem.
Failure #1 – A Missed Due Date: Sam’s homework was due on Monday morning, and she waited until late on Sunday evening to get started. After she started she found out that the assignment required at least 20 hours of work, which she could not complete in time. The assignment was handed in late, and her tardiness cost her a full letter grade according to the rules stated in the syllabus.
Analysis: Most might call Sam a procrastinator, but I only see that she has a weakness in scheduling her time. The failure started by not properly estimating the size of the task, and continued when she didn’t use her calendar to determine the best time to start the assignment.
In this case what we call procrastination is actually a problem with the discipline that time management experts would call “personal scheduling.”
Failure #2 – Several Delays: Mike has made an internal decision to cut the lawn on Saturday, an activity that he despises. On the appointed day, other events intervene, and he decides to cut the lawn on Sunday instead.
Sunday rolls around and once again he decides to postpone his date with the lawnmower until Wednesday.
On Wednesday he decides that next Friday would be better, and he once again foregoes the much needed chore.
On Friday he finally cuts the entire lawn in one effort.
Analysis: Was Mike procrastinating? Many would say yes, and they might strongly imply that he was just being lazy.
If I add in the fact that it rained on Friday, Monday and Tuesday nights rendering the ground soft and unsafe for a cut, would it be said that he was still being lazy, and procrastinating?
If I add in the fact that his neighbour cut his lawn under similar conditions would you change your mind? And if I add in the fact that the neighbour is known to be a drunkard who sometimes does crazy things help you to change your mind again?
The problem with the way we use procrastination is that it has come to mean much more than the dictionary definition, and now brings with it an accusing tone filled with blame.
If we were to use the dictionary definition of the word we’d conclude that he was simply re-scheduling. The fact is that he deferred the activity, and according to the dictionary, he was procrastinating. According to our common-day usage of the word, it all depends on whether or not he was to blame for the delay.
The charge of being a “procrastinator” that we lay against ourselves and others has a become a way to cast blame.
What can we do about these negative thoughts? What can we do if we continue to blame ourselves and others for procrastinating?
There are a variety of approaches that we can use, but this is my personal favorite. Byron Katie’s methods of dealing with stressful thoughts is the method that I have used for the past 4 years. (Her entire approach can be found at her website.)
Her thesis is simple, and is a good match for the problem of blame.
Stress is never caused by life circumstances, but instead it originates in the thoughts that we have, and whether or not we believe them.
In the example above, Sam’s assignment was late (a fact,) but her thought that “I’m a procrastinator” would only cause stress if she believed it.
On Katie’s site, there is a powerful and simple process. It involves dealing with stressful thoughts by first writing them down and then applying 4 questions and what she calls a turnaround statement (an opposing thought.)
The result of using her process on stressful, judgmental thoughts about procrastination is a sense of relief in which statements like “I should stop procrastinating” might still recur, but without the stress that usually comes.
While this kind of habit might not seem to be related to time management, there are so many who struggle with thoughts of procrastination that if they could get past their own thinking, it would help bring peace of mind — which is the goal of every time management system.
So, if you think you have an issue with procrastination, start by separating your actions from your thoughts. Deal with your skill at scheduling if you need to. According to the dictionary, you are probably doing the right thing by procrastinating.
If you find that you have blaming thoughts that keep returning, and that they are causing stress, use Katie’s method to free yourself to be as productive as you can be without this harmful habit.
Source: (http://www.lifehack.org/articles/productivity/procrastination-not-a-problem.html)
Procrastination: Not a Problem!
Perhaps procrastination simply isn’t the problem we think it is.Webster’s Dictionary defines the word as follows:
procrastinate: To put off from day to day; to delay; to defer to a future timeAnyone who is skillful at managing their time will tell you that the act of “putting off from day to day,” “delaying” and “deferring to a future time” are required skills in today’s information age.
With technology has come an increased number of demands on our time, and a variety of ways in which we allow ourselves to be interrupted, reminded or prompted to make new commitments. The only smart tactic to take is to put things off until later.
Take the simple example of checking your email Inbox.
In fifteen minutes it’s possible to scan 100 new items, while making 30 instant decisions to take further action. It’s impossible to act on all 30 items immediately. Instead, it’s a much better idea to focus on a single item at a time, rather than trying to split one’s attention between multiple tasks.
In other words, it’s better to “put it off from today,” “delay” or “defer to a future time” than to try to do multiple actions at the same time, in the very next moment.
Why is procrastination deemed to be such a problem if, by its definition, the action is such a benign and even useful one? I suspect that when we call a problem by its incorrect name, we prevent ourselves from seeing clear, common-sense solutions. The word “procrastination” is being used to label the wrong problem.
The Real Problem
To understand the real problem, let’s look at some cases in which actual failures occurred, and why they had nothing to do with procrastination.Failure #1 – A Missed Due Date: Sam’s homework was due on Monday morning, and she waited until late on Sunday evening to get started. After she started she found out that the assignment required at least 20 hours of work, which she could not complete in time. The assignment was handed in late, and her tardiness cost her a full letter grade according to the rules stated in the syllabus.
Analysis: Most might call Sam a procrastinator, but I only see that she has a weakness in scheduling her time. The failure started by not properly estimating the size of the task, and continued when she didn’t use her calendar to determine the best time to start the assignment.
In this case what we call procrastination is actually a problem with the discipline that time management experts would call “personal scheduling.”
Failure #2 – Several Delays: Mike has made an internal decision to cut the lawn on Saturday, an activity that he despises. On the appointed day, other events intervene, and he decides to cut the lawn on Sunday instead.
Sunday rolls around and once again he decides to postpone his date with the lawnmower until Wednesday.
On Wednesday he decides that next Friday would be better, and he once again foregoes the much needed chore.
On Friday he finally cuts the entire lawn in one effort.
Analysis: Was Mike procrastinating? Many would say yes, and they might strongly imply that he was just being lazy.
If I add in the fact that it rained on Friday, Monday and Tuesday nights rendering the ground soft and unsafe for a cut, would it be said that he was still being lazy, and procrastinating?
If I add in the fact that his neighbour cut his lawn under similar conditions would you change your mind? And if I add in the fact that the neighbour is known to be a drunkard who sometimes does crazy things help you to change your mind again?
The problem with the way we use procrastination is that it has come to mean much more than the dictionary definition, and now brings with it an accusing tone filled with blame.
If we were to use the dictionary definition of the word we’d conclude that he was simply re-scheduling. The fact is that he deferred the activity, and according to the dictionary, he was procrastinating. According to our common-day usage of the word, it all depends on whether or not he was to blame for the delay.
The charge of being a “procrastinator” that we lay against ourselves and others has a become a way to cast blame.
Solutions
The negative judgements and feelings related to procrastinating don’t come from the delays, the putting off or the postponements. Instead they come from our judgemental minds which have decided that something or someone is to blame. A close look at the examples above reveal that it’s actually the negative thoughts that are producing the guilty feelings and the blame, and NOT the actual rescheduling.What can we do about these negative thoughts? What can we do if we continue to blame ourselves and others for procrastinating?
There are a variety of approaches that we can use, but this is my personal favorite. Byron Katie’s methods of dealing with stressful thoughts is the method that I have used for the past 4 years. (Her entire approach can be found at her website.)
Her thesis is simple, and is a good match for the problem of blame.
Stress is never caused by life circumstances, but instead it originates in the thoughts that we have, and whether or not we believe them.
In the example above, Sam’s assignment was late (a fact,) but her thought that “I’m a procrastinator” would only cause stress if she believed it.
On Katie’s site, there is a powerful and simple process. It involves dealing with stressful thoughts by first writing them down and then applying 4 questions and what she calls a turnaround statement (an opposing thought.)
The result of using her process on stressful, judgmental thoughts about procrastination is a sense of relief in which statements like “I should stop procrastinating” might still recur, but without the stress that usually comes.
While this kind of habit might not seem to be related to time management, there are so many who struggle with thoughts of procrastination that if they could get past their own thinking, it would help bring peace of mind — which is the goal of every time management system.
So, if you think you have an issue with procrastination, start by separating your actions from your thoughts. Deal with your skill at scheduling if you need to. According to the dictionary, you are probably doing the right thing by procrastinating.
If you find that you have blaming thoughts that keep returning, and that they are causing stress, use Katie’s method to free yourself to be as productive as you can be without this harmful habit.
Source: (http://www.lifehack.org/articles/productivity/procrastination-not-a-problem.html)
Thursday, May 24, 2012
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