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Automotive Service Technicians and tom essay Mechanics. Automotive service technicians and mechanics, often called service technicians or service techs , inspect, maintain, and repair cars and comparison thucydides essays light trucks. Most automotive service technicians and mechanics work in well-ventilated and well-lit repair shops. Tom Essay? Although technicians often identify and essay contests for teachers fix automotive problems with computers, they commonly work with greasy parts and tools, sometimes in uncomfortable positions. How to Become an Automotive Service Technician or Mechanic. Employers prefer that automotive service technicians and tom essay mechanics complete a formal education program at a postsecondary institution. Industry certification is usually required once the creative writing pieces, person is employed. The median annual wage for automotive service technicians and mechanics was $38,470 in May 2016.

Employment of automotive service technicians and mechanics is tom essay, projected to grow 5 percent from 2014 to about communication, 2024, about as fast as the average for tom essay all occupations. For Teachers? Job opportunities for qualified jobseekers should be good. Explore resources for employment and tom essay wages by state and essay contests area for automotive service technicians and mechanics. Compare the job duties, education, job growth, and pay of automotive service technicians and tom essay mechanics with similar occupations. More Information, Including Links to O*NET. 1992 State? Learn more about automotive service technicians and mechanics by visiting additional resources, including O*NET, a source on tom essay key characteristics of herodotus thucydides, workers and occupations. What Automotive Service Technicians and Mechanics Do About this section. Automotive service technicians and mechanics, often called service technicians or service techs , inspect, maintain, and repair cars and light trucks. Automotive service technicians and tom essay mechanics typically do the following: Identify problems, often by using computerized diagnostic equipment Plan work procedures, using charts, technical manuals, and experience Test parts and systems to papers on california, ensure that they work properly Follow checklists to ensure that all critical parts are examined Perform basic care and maintenance, including changing oil, checking fluid levels, and rotating tires Repair or replace worn parts, such as brake pads, wheel bearings, and sensors Perform repairs to manufacturer and customer specifications Explain automotive problems and repairs to clients. Although service technicians work on traditional mechanical systems, such as engines, transmissions, and drivebelts, they must also be familiar with a growing number of electronic systems.

Braking, transmission, and steering systems, for tom essay example, are controlled primarily by computers and electronic components. Other integrated electronic systems, such as accident-avoidance sensors, are becoming common as well. In addition, a growing number of technicians are required to work on vehicles that consume alternative fuels, such as ethanol and electricity. Service technicians use many different tools, including computerized diagnostic tools and power tools such as pneumatic wrenches, lathes, welding torches, and comparison herodotus jacks and hoists. Tom Essay? These tools usually are owned by their employers.

Service technicians also use many common hand tools, such as wrenches, pliers, and sockets and ratchets. Creative Writing Pieces Short? Service technicians generally own these tools themselves. In fact, experienced workers often have thousands of dollars invested in tom essay their personal tool collection. For example, some invest in essay contests for teachers their own set of tom essay, pneumatic tools—such as impact wrenches—powered by compressed air. For Teachers? The following are examples of types of service technicians: Automotive air-conditioning technicians install and repair air-conditioners and parts, such as compressors, condensers, and controls. These workers must be trained and certified in handling refrigerants. Brake technicians diagnose brake system problems, adjust brakes, replace brake rotors and pads, and make other repairs on tom essay brake systems. Some technicians specialize in both brake and front-end work. (See “Front-end technicians.”) Drivability technicians , also known as diagnostic technicians , use their extensive knowledge of engine management and fuel, electrical, ignition, and emissions systems to diagnose issues that prevent engines from performing efficiently. 1952 1992 State United? They often use the onboard diagnostic system of a car and electronic testing equipment such as scan tools and multimeters to find the malfunction.

Front-end technicians diagnose ride, handling, and tire wear problems. To correct these problems, they frequently use special alignment equipment and tom essay wheel-balancing machines. Transmission technicians and rebuilders work on 1952 state gear trains, couplings, hydraulic pumps, and other parts of transmissions. An extensive knowledge of tom essay, computer controls and the ability to diagnose electrical and hydraulic problems are needed to what should be in, work on these complex components. For information about technicians who work on tom essay large trucks and buses, see the state united, profile on diesel service technicians and mechanics . For information about technicians who work on tom essay farm equipment, construction vehicles, and railcars, see the profile on heavy vehicle and mobile equipment service technicians . For information about technicians who repair and service motorcycles, motorboats, and small all-terrain vehicles, see the creative short, profile on small engine mechanics . Work Environment About this section. Automotive service technicians and mechanics held about 739,900 jobs in 2014.

The largest employers of automotive service technicians and mechanics were as follows: About 1 in 10 automotive service technicians and mechanics were self-employed in 2014. Tom Essay? Service technicians stand for most of the 1952 essay, day, and they typically work in well-ventilated and well-lit repair shops. Although technicians often identify and fix automotive problems with computers, they commonly work with greasy parts and tom essay tools, sometimes in uncomfortable positions. Most service technicians work full time, and a coursework communication many work evenings or weekends. Overtime is common. Automotive service technicians and tom essay mechanics have one of the highest rates of injuries and illnesses of all occupations.

Service technicians must frequently work with heavy parts and a coursework about tools. As a result, workplace injuries, such as small cuts, sprains, and tom essay bruises, are common. How to Become an about, Automotive Service Technician or Mechanic About this section. Employers prefer that automotive service technicians and mechanics complete a formal training program at a postsecondary institution. Industry certification is usually required once the person is employed. High school courses in automotive repair, electronics, computers, and mathematics provide a good background for prospective service technicians. Tom Essay? However, high school graduates typically need further training to become fully qualified. Completing a vocational or other postsecondary education program in automotive service technology is considered the best preparation for entry-level positions. Programs usually last 6 months to herodotus thucydides essays, a year and provide intensive career preparation through classroom instruction and hands-on practice. Short-term certificate programs in a particular subject, such as brake maintenance or engine performance, are also available.

Some service technicians get an associate’s degree.Courses usually include mathematics, electronics, and automotive repair. Some programs add classes in customer service and tom essay other necessary skills. Various automobile manufacturers and dealers sponsor associate’s degree programs. Students in these programs typically spend alternating periods attending classes full time and working full time in service shops under the guidance of an experienced technician. Service technicians who have graduated from postsecondary programs in automotive service technology generally require little on-the-job training. Those who have not completed postsecondary education, however, generally start as trainee technicians, technicians’ helpers, or lubrication workers. Research On California Gold? They gradually acquire more knowledge and experience by working with experienced mechanics and technicians. Licenses, Certifications, and tom essay Registrations. The U.S. Environmental Protection Agency (EPA) requires all technicians who buy or work with refrigerants to be certified in proper refrigerant handling. No formal test preparation is required, but many trade schools, unions, and communication employer associations offer training programs designed for the EPA exam.

Certification from the National Institute for Automotive Service Excellence (ASE) is the standard credential for service technicians. Certification demonstrates competence and usually brings higher pay. Many employers require their service technicians to become certified. ASE certification is available in nine different automobile specialty areas: automatic transmission/transaxle, brakes, light vehicle diesel engines, electrical/electronic systems, engine performance, engine repair, heating and air-conditioning, manual drive train and axles, and suspension and steering. To become certified, technicians must have at tom essay least 2 years of experience (or relevant schooling and 1 year of experience) and pass an exam. Technicians who achieve certification in all of the foregoing areas (light vehicle diesel engine certification is a coursework, not required) may earn ASE Master Technician status. Customer-service skills . Tom Essay? Service technicians must discuss automotive problems—along with options to fix them—with their customers. Because workers may depend on repeat clients for research papers gold business, they must be courteous, good listeners, and ready to answer customers’ questions. Detail oriented . Service technicians must be aware of small details when inspecting or repairing vehicle systems, because mechanical and electronic malfunctions are often due to misalignments or other easy-to-miss causes.

Dexterity . Service technicians perform many tasks that require steady hands and tom essay good hand-eye coordination, such as assembling or attaching components and subassemblies. Mechanical skills . Service technicians must be familiar with engine components and systems and know how they interact with each other. They often must take apart major parts for repairs and be able to put them back together properly. United? Organizational skills. Service technicians must keep workspaces clean and organized in order to maintain safety and ensure accountability of parts. Physical strength. Service technicians must sometimes lift and tom essay maneuver heavy parts such as engines and body panels. Troubleshooting skills . Service technicians must be able to use diagnostic equipment on engine systems and components in order to identify and fix problems in increasingly complicated mechanical and electronic systems. They must be familiar with electronic control systems and the appropriate tools needed to fix and maintain them.

Automotive Service Technicians and a lab Mechanics. Median annual wages, May 2016. Vehicle and tom essay mobile equipment mechanics, installers, and repairers. Note: All Occupations includes all occupations in the U.S. A Coursework Communication? Economy. Source: U.S. Bureau of Labor Statistics, Occupational Employment Statistics. The median annual wage for automotive service technicians and mechanics was $38,470 in tom essay May 2016. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less.

The lowest 10 percent earned less than $21,470, and the highest 10 percent earned more than $64,070. In May 2016, the median annual wages for automotive service technicians and mechanics in the top industries in which they worked were as follows: Many experienced technicians working for automobile dealers and independent repair shops receive a commission related to the labor cost charged to the customer. Herodotus? Under this system, which is commonly known as “flat rate” or “flag rate,” weekly earnings depend on the amount of work completed. Some repair shops may pay technicians on an hourly basis instead. Most service technicians work full time, and many work evenings or weekends. Overtime is common.

Automotive Service Technicians and Mechanics. Percent change in employment, projected 2014-24. Total, all occupations. Note: All Occupations includes all occupations in the U.S. Economy.

Source: U.S. Bureau of tom essay, Labor Statistics, Employment Projections program. Employment of automotive service technicians and mechanics is projected to grow 5 percent from essay contests, 2014 to 2024, about as fast as the average for all occupations. The number of tom essay, vehicles in use continues to creative writing pieces short, rise, and more entry-level service technicians will be needed to tom essay, perform basic maintenance and repair, such as replacing brake pads and changing oil. New technologies, however, such as electric vehicles, may limit future demand for automotive service technicians and mechanics because they will be more reliable and thus require less maintenance and repair. With some employers reporting difficulty finding workers with the right skills and education, job opportunities for qualified applicants should be very good, whether they obtained their knowledge through education or experience. Of these workers, those who have completed formal postsecondary training programs or achieved ASE certification should enjoy the 1952 essay united, best job prospects. Those without formal automotive training or certification are likely to face strong competition for entry-level jobs. Many job openings will be in automobile dealerships and independent repair shops, where most service technicians currently work. Tom Essay? SOURCE: U.S.

Bureau of Labor Statistics, Employment Projections program. Automotive service technicians and mechanics. State Area Data About this section. Occupational Employment Statistics (OES) The Occupational Employment Statistics (OES) program produces employment and wage estimates annually for over 800 occupations. These estimates are available for the nation as a whole, for individual states, and for metropolitan and nonmetropolitan areas. The link(s) below go to OES data maps for what be in report employment and tom essay wages by state and area. A Coursework About? Occupational employment projections are developed for all states by Labor Market Information (LMI) or individual state Employment Projections offices.

All state projections data are available at www.projectionscentral.com. Information on this site allows projected employment growth for an occupation to be compared among states or to tom essay, be compared within one state. In addition, states may produce projections for areas; there are links to each state’s websites where these data may be retrieved. Creative Writing Pieces? America’s Career InfoNet includes hundreds of occupational profiles with data available by state and metro area. There are links in the left-hand side menu to compare occupational employment by state and occupational wages by local area or metro area. There is also a salary info tool to search for wages by tom essay zip code. Similar Occupations About this section.

This table shows a list of occupations with job duties that are similar to short, those of automotive service technicians and mechanics. Automotive Body and Glass Repairers. Automotive body and tom essay glass repairers restore, refinish, and replace vehicle bodies and frames, windshields, and window glass. Diesel Service Technicians and Mechanics. Diesel service technicians and mechanics inspect, repair, and overhaul buses and trucks, or maintain and repair any type of diesel engine. Heavy Vehicle and Mobile Equipment Service Technicians. Heavy vehicle and mobile equipment service technicians inspect, maintain, and repair vehicles and a coursework machinery used in tom essay construction, farming, rail transportation, and other industries. Small engine mechanics inspect, service, and repair motorized power equipment. Mechanics often specialize in one type of equipment, such as motorcycles, motorboats, or outdoor power equipment.

Contacts for a coursework about More Information About this section. For more details about work opportunities, contact local automobile dealers and repair shops or local offices of the state employment service. The state employment service also may have information about training programs. For information about careers, education, and training programs, visit. For information about certification, visit.

For a career video on automotive service technicians and tom essay mechanics, visit. Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook, 2016-17 Edition , Automotive Service Technicians and Mechanics, Publish Date: Thursday, December 17, 2015. The What They Do tab describes the typical duties and responsibilities of workers in the occupation, including what tools and what be in a lab equipment they use and how closely they are supervised. This tab also covers different types of occupational specialties. The Work Environment tab includes the number of jobs held in the occupation and describes the workplace, the level of physical activity expected, and typical hours worked. It may also discuss the major industries that employed the occupation. This tab may also describe opportunities for part-time work, the amount and type of travel required, any safety equipment that is used, and the risk of injury that workers may face. The How to Become One tab describes how to prepare for a job in the occupation. This tab can include information on education, training, work experience, licensing and certification, and important qualities that are required or helpful for entering or working in the occupation.

The Pay tab describes typical earnings and how workers in the occupation are compensated—annual salaries, hourly wages, commissions, tips, or bonuses. Within every occupation, earnings vary by experience, responsibility, performance, tenure, and geographic area. This tab may also provide information on earnings in the major industries employing the occupation. Tom Essay? The State and Area Data tab provides links to state and area occupational data from the Occupational Employment Statistics (OES) program, state projections data from Projections Central, and occupational information from the 1952 state, Department of Labor's CareerOneStop. The Job Outlook tab describes the factors that affect employment growth or decline in the occupation, and in some instances, describes the relationship between the number of tom essay, job seekers and the number of job openings. The Similar Occupations tab describes occupations that share similar duties, skills, interests, education, or training with the occupation covered in the profile. The More Information tab provides the about, Internet addresses of associations, government agencies, unions, and other organizations that can provide additional information on tom essay the occupation. This tab also includes links to relevant occupational information from the Occupational Information Network (O*NET). The wage at which half of the workers in gold rush the occupation earned more than that amount and half earned less.

Median wage data are from the BLS Occupational Employment Statistics survey. In May 2016, the median annual wage for tom essay all workers was $37,040. Additional training needed (postemployment) to attain competency in the skills needed in this occupation. Typical level of education that most workers need to enter this occupation. Work experience in a related occupation. Work experience that is commonly considered necessary by employers, or is a commonly accepted substitute for what more formal types of tom essay, training or education. The employment, or size, of this occupation in 2014, which is the base year of the 2014-24 employment projections. 1952 State? The projected percent change in employment from 2014 to tom essay, 2024.

The average growth rate for all occupations is 7 percent. The projected numeric change in papers on california employment from 2014 to 2024. Tom Essay? Typical level of education that most workers need to research papers gold rush, enter this occupation. Additional training needed (postemployment) to attain competency in the skills needed in this occupation. Tom Essay? Employment Change, projected 2014-24. The projected numeric change in employment from 2014 to 2024.

The percent change of research papers on california gold rush, employment for each occupation from tom essay, 2014 to 2024. The projected numeric change in employment from what a lab report, 2014 to tom essay, 2024. The projected percent change in employment from essay for teachers, 2014 to 2024. The wage at which half of the workers in the occupation earned more than that amount and half earned less. Median wage data are from the BLS Occupational Employment Statistics survey.

In May 2016, the median annual wage for all workers was $37,040.

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Roles of Deregulation on Banking Sector. What roles have deregulation, innovation, and globalization played in changing the character of bank management in recent decades? Has the overall outcome of the changes been greater stability in the banking sector? Discuss the respective roles of asset and tom essay, liability management in modern banking. Deregulation, innovation and research papers on california, globalisation has changed the way banks run from asset management to tom essay liability management, as well as the change from ‘mono’ to ‘multi-tasking’ and the increased competition in the sector as well as risk. We will write a custom essay sample. on Roles of Deregulation on Banking Sector or any similar. topic specifically for a coursework, you. The banking system has evolved drastically from the traditional mono-tasking institution to what it is now. This change in roles of asset and liability management could be one of the main reasons behind the global financial crisis of which the aftermath effects are still being felt. In this essay I will analyse these three trends in turn and so to explain the reasons for the change to liability management.

Traditionally, the role of the tom essay, banks are simple (post war period 1945-60s) there were strict credit controls (or credit rationing) by the state (there were large public sector war debt) to keep repayments obligations on this debt low. The low interest should also be of aid in sustaining a high demand for Gilts (UK government bonds), allowing no competition on the liabilities side of the bank’s balance sheet. The Liabilities side of the bank’s balance sheet is contests for teachers, mainly composed of customer deposits (shows passive banking). They take deposits in, and loans out as the main source of income; this is referred to as ‘mono-tasking’. It should be noted that in more theoretical consensus that regulation in banking has tended to be increasingly destabilizing as the tom essay, economy has become more dynamic. The process of a coursework, deregulation changed all this; deregulation came in tom essay, two forms: first was the a coursework communication, removal of self-regulatory restrictions, those were the regulations established in the financial sector to keep away substandard service providers; second was the removal of tom essay, government restrictions which came in three phases: ) The ending of the traditional/mono-tasking structure of the sector, which is a decisive blow to the traditional framework. Page 2 Roles of Deregulation on Banking Sector Essay. the asset side, we have the lifting of quantitative controls on bank’s assets (deregulating the use of funds); and on the liabilities side they lifted ceilings on interest rates on deposits (deregulating sources of funds) as to promote more competition. The UK began deregulating much earlier than the US; this is because the US is about, more tightly regulated than Europe (due to the large amounts of bankruptcy and tom essay, anti-monopolistic view). The US lifted its “regulation Q” act in 1980 (which limited interest rate payable on deposits) but by that time they deregulated many banks moved to Europe where it has been deregulated for a long time. The UK Heath government (1970s) lifted credit restrictions and enabling banks to expand liabilities competitively.

In the essay, 1970s the UK was increasingly allowed to use variable rate lending (e. g. LIBOR) instead of sticking to with an unprofitable loan rate when interest rates were volatile; this endowment gave banks higher profit margins. Later on in 1980s the Thatcher government ended all credit and FX exchange controls. Tom Essay! This promoted the essay contests for teachers, change from asset management to tom essay liability management, variable rate lending meant stock of loans could be determined by demand, and effective those who want a loan gets a loan. This was explained by the Net interest margins (NIM=interest revenue on assets-interest revenue on liabilitiesinterest earning assets). This differential actually improves the bank’s profitability. Banks therefore actively create liabilities (borrow from other banks) in ‘money markets’ and thus switch to ‘liability management’ trying to maximise sources of funds.

The asset management of the past where loans was seen as a ‘person to person’ management no longer existed, as banks greatly expanded their balance sheet they reduced their capital to pieces asset ratios (high gearing) and tom essay, mortgages are bundled and not monitored, consequently the risk exposures of banks began to increase (complexity of bundling was a factor which led to the current crisis). ) The second phase sees the ending of the sharp distinction between banks and essay, NBFIs (non-banking financial institutions). In the 1980s, banks were given the right to compete in the mortgage market and building societies allowed to compete in tom essay, the market for herodotus essays, consumer credit; i. e. both allowed in each other’s markets. Whereas in US, banks were not allowed to tom essay compete in the field of investment banking and insurance until 1999. 3) The third phase allowed increased competition within the financial sector and comparison essays, from outside it. NBFIS and other new kinds of financial institutions attached to tom essay other financial operations provided new kinds of services such as online banking (within the financial sector). Firms from outside the essay, financial sector also entered the financial services market including Tesco, Marks and Spencer (UK), and GM and tom essay, GE in essay state, the US (General electric’s financial arm makes 1/3 of its profits! ). The three phases of deregulation is the main driving force for tom essay, banks and NBFIs to compete aggressively and take on excessive risk (through actively searching out liabilities) to herodotus thucydides gain higher profit margins. By expanding their balance sheet through liabilities, they increase exposure to credit risk and become highly sensitive to the state of the economy i. e. more defaults during downturns of the economy. Apart from deregulation, financial innovation also played a role in the shift to liability management.

Since the 1970s, there has been great instability in the financial environment; there were unpredictable swings in interest rates, exchange rates and inflation; there’s increased demand for NEW financial instruments to hedge against this risk. This lead to the development of all sorts of exotic instruments such as currency options/options/exchange contracts, interest rate swaps and credit default swaps. It is no longer adequate for banks to tom essay look at averages over time, investment banks now trade at massive quantities (high-frequency trading) to 1952 1992 essay united profit from the tom essay, narrowest margins. The development of ever more complex instruments is also the solution for the ever increasing sophistication of regulation, as to find loopholes. US banks started to branch out to off shore operations in order to exploit the loosely regulated markets. This is one of the creative short, effects which is tom essay, interconnected to globalisation (discussed later on) Financial innovation also includes technological developments which includes the computerisation of banking, telecommunications and customer’s files. Essay! The introduction of electronic payments (credit cards) and ATMs also saw unit transaction costs fall.

More importantly, there is a growth in automated trading services, allowing banks to process high volume trading comparing to traditional banking. Tom Essay! Lastly we have the factor of Globalisation in writing, the shift to liability management. It follows on the things discussed earlier in the essay; the UK started deregulating far earlier than the US and this became a pull factor; so this is great motivation for the US firms to expand into the European market (funding is restricted by regulation Q which as a push factor), a more profitable and a larger Eurodollar market. This in general shows globalisation in the financial system and the growth of MNCs in general. Securitisation has also increased pace of tom essay, globalisation of banking. This refers to pooling contractual debt (mortgages/car loans) and 1952 essay, selling these in the form of bonds or Asset backed securities. Eventually this lead to the fragility of the bank’s balance sheet; if much of the bank’s assets is no longer ‘mediated’ why should you trust another bank? This lead to the financial crisis we have today, where the fall in house prices in the US lead to the fall in securities (the Asset backed securities) damaging financial institutions globally and created insolvency issues. The collapse of big financial institutions eventually lead to the biggest bailout ever in US history; deregulation, financial innovation and globalisation all played a part in tom essay, this crisis. Based upon the discussion of the three common trends in the banking sector that led to a shift from asset management to liability management above, I will now focus on 1992 united how these contributed to the expansion of bank’s balance sheets. Tom Essay! Interlinking deregulation, innovation and globalization, we see banks fighting harder to compete amongst one another and with NBFIs as well.

As more and more major conglomerates start offering financial intermediation services, it is a coursework about communication, no wonder banks have been driven to expand their balance sheets to remain competitive. Where this was previously unattainable due to strict regulations in the banking industry, the tom essay, deregulation that has taken place now creates a great incentive for banks to take on more risks in research gold, order to expand their balance sheets. Tom Essay! Furthermore, the absolution of the Glenn Seagal Act in the UK has led to a. Banks finance their expansion by borrowing from the inter-bank loan markets, hence leading to the huge increase in financial sector debt over the last 3 decades. This has become a cause of thucydides essays, worry, as increased risk taking and declining liquidity of banks have led to the financial crises of 2008 that has persisted until today, as the European economy becomes increasingly volatile. Due to tom essay increased competition created by the deregulation process, banks have now become more aggressive in trying to win market share by expanding their balance sheets and providing loans or mortgages at high risks. The decreasing number of credit-worthy borrowers has lefts banks with no choice but to lower their underwriting standards and issue mortgages to high-risk individuals, resulting in a leap in subprime lending that led to the global financial crisis of 2008. Essentially, investment banks and hedge funds used financial innovation to enable large wagers to be made, far beyond the actual value of the underlying mortgage loans, using derivatives called credit default swaps, CDO and synthetic CDO. As long as derivative buyers could be matched with sellers, the theoretical amount that could be wagered was infinite. Conclusively, the transition from banks focusing on a coursework about asset management to liability management today, coupled with the various effects of globalization, financial innovation and globalization has led to banks expanding their balance sheets with high risk mortgages and various other risky ventures, resulting in a massive surge of debt held by the financial sector.

As deregulation decreased interest rates in tom essay, the US and people demanded more loans, banks started providing loans to credit-unworthy individuals, resulting in essays, a spike in tom essay, bad debts and essay contests for teachers, eventually bringing about the tom essay, burst of the housing bubble in 2006/2007 which, when coupled with the fact that banks were borrowing from one another to finance risky ventures whilst maintaining a very minimal liquidity requirement has led to a vulnerability of the creative, banking system that resulted in the global financial crisis in 2008. Economists have argued that the trend of tom essay, deregulation has not kept up with the pace of financial innovation that now allowed banks to onduct various unmonitored activities that could lead to an increased vulnerability of the banking system. To prevent a future crisis, the US authorities have to re-evaluate their deregulation trends (introduction of a coursework about communication, BASEL III) and tom essay, ensure that sufficient changes are made to ensure that they keep up with the pace of writing pieces, financial innovation. Tom Essay! Briefly discuss how the concepts of the equity multiplier and the convexity of pay-off to holders of equity may be relevant to some current debates regarding the rewards structure in the financial sector. The reward structure in the financial sector has been affected in recent years by the changing banking/financial sector especially the excessive risks that the banks are taking for more profit.

In this essay I will explore the concepts of the equity multiplier and essay, the convexity of payoffs and affects the reward structure of the financial sector. The high risk aspect of the banking sector could be described by the extremely high gearing banks engage in lending: typically over 95% of funds sourced from tom essay, debt with less than 5% from equity; if we compare those figures with non-financial institutions with 70% equity funded. The asset management side is also full of risk, how do we screen for loan borrowers? If we increase r, then we get a large mix of high risk borrowers. Borrowers also have more information (private hidden actions/intentions) than the lenders, so there will be asymmetric information.

Adverse selection refers to problem where those most likely to be a credit risk are most eager to be selected for a loan; Moral hazard describes the a lab report, problem where after a loan is approved, the borrower has the incentive to tom essay engage in creative short, more risky activities which in turn increases the risk of default. This can be solved by “Information-producing”, that is filling forms that filters people with bad credit scores; or they can build long-term customer relationship that could be mutually beneficial, such that banks knows about the customer and customer knows that the bank knows about their situation. This is known as the “know your customer” (KYC) procedure within financial institutions, which is carried out to allow better assessment of tom essay, level of risk taken. There are four main motives for banks to take on excessive risk: First, it is the pressure on creative writing short the bank’s profits. Banks used to tom essay be mainly asset management based, however since the phases of deregulation and innovation and the introduction of NBFIs into 1992 essay state united, the competition drove down profits of the banks. Banks expanded the tom essay, liabilities side of the balance sheets, and hedging management instruments replaced asset management, so in effective customers’ deposits form a quite small proportion of the liabilities. Assets were transformed from the short-term funds (deposits) to long term, less liquid, high yielding assets.

Risks involved changed from low to how. All of these are aimed to increase the writing, yield and to tom essay increase the returns on 1952 essay united assets. Second, it is on the capital adequacy management and tom essay, the equity management. There is a trade-off between safety and return on essay for teachers equity (low risk/high risk). The return on equity (ROE) is defined as the Net profits/Equity Capital. Tom Essay! If the bank wants to increase their ROE, they have the incentive to reduce equity capital. Recall that Equity Multiplier = Assets/Equity. 1992 Essay State! The increase in ROE holding net profits constant will increase equity multiplier. We make an assumption that retained earnings are 0, which is the entire bank capital is equity capital.

Then: A low capital bank with E:A ratio of 4% will have an Equity multiplier (A/E) = (100/4) = 25 A high capital bank with E:A ratio of tom essay, 10% will have an Equity multiplier of (100/10) = 10 This means, that as we increase the what should be in report, equity multiplier, we also decrease the equity asset ratio, which in turn increases risk of insolvency. A higher equity multiplier implies higher financial leverage, and this will mean the financial instate has to rely more on debts to finance its assets. The third motive involves the analysis of the convexity of returns to holders of equity ? = min (L, Y) is the payout to debt holders. The function is concave: line between any two points on tom essay the curve lies beneath it. ? = max (0, Y- L) is the payoff to shareholders. The function is convex: line between any two points on the curve lies above it.

The idea is that risk transfers value from be in report, debt holders to equity holders and the bigger the spread, the tom essay, bigger the transfer of for teachers, value. This model of convexity represents the principle-agent problem, when the manager takes on excessive risk and could be beneficial to tom essay the shareholders, but due to limit liability, shareholder bares little to no risk. The last motive is the reward structure in the financial sector. Managers typically take a performance bonus (e. g. 20%) of excess return on funds. This creates a rather large problem, managers can take on a huge ‘tail risk’ (or a huge bet) that is hidden from others, and research papers rush, also managers receives his reward/bonus long before the fund gets hit. This is tom essay, especially damaging not to one self but also the report, institution. Tom Essay! For example the rogue trader at Barings lost $1.

3billion speculating that brought down the bank that was founded over 2 centuries ago. Another rouge trader at Societe Generale lost 4. What Should Report! 9billion Euros, severely weakening the French bank; he claimed that his superiors knew of tom essay, his trading activities and it was common practice to essay state united take huge gambles for large profits, this is especially worrying. Conclusively, all of the factors discussed above have driven the financial sector to take on larger risks that has rendered the banking system vulnerable to shocks and prone to insolvency, which is exactly what happened in tom essay, the 2008 global financial crisis. Steps that can be taken to improve upon about, this include introducing a new rewards structure in the financial sector that ties management’s gains to the firm’s long-run performance to tom essay minimize risk-taking. Furthermore, new regulations requiring banks to a coursework about hold a minimum amount of equity or any other “cushion” (higher Capital adequacy ratio) that will reduce the vulnerability of banks becoming insolvent can be implemented. All in all, the financial sector requires regulations that can minimize the trade-off between gaining revenue and maintaining a “safe” position in the economy.

Although many such actions have been taken in the US after the 2008 crisis, it is tom essay, still not enough to eliminate the high debts that have plagued the country for the past few years.

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3 Resume Formats: How to Choose the Best One [Examples] Especially if it’s your first one? Your hands are hovering over tom essay, the keyboard. You look at the blank Word document with the cursor pulsing in your face Now, what? What do you write? Where do you put the information?

Wouldn’t it be great if there were road maps for resumes? Choosing the format of a resume is key to what be in a lab, starting the tom essay, resume writing process. A Coursework! But it’s not as easy as it sounds. Tom Essay! So, how do you choose a resume format put you ahead of the herodotus essays, other job seekers? This article will tell you which resume format is right for you, and how to use the format of a resume to your advantage so that you stand out in a sea of other resumes. Want to save time and have your resume ready in 5 minutes? Try our resume builder. Tom Essay! It’s fast and easy.

Plus, you'll get tips while writing your resume. See templates and create your resume here. How Do I Choose a Good Resume Format? Choosing the what should a lab report, format of a resume is like shopping for an outfit for prom. Tom Essay! Both the outfit and the format need to accomplish two things: Show off your best assets. Be unique and within a certain dress code at the same time. Just like everything else with resume writing, there are no black and white rules when it comes to choosing the on california rush, format of a resume. To make things easy, there are three main types of tom essay recognized and accepted resume formats. Each takes a different approach to the organization of the information on your resume. Essay! And each resume format has strengths and weaknesses.

The three types of tom essay resume formats are: How do you know which one is best for you? The reverse-chronological resume format is for comparison herodotus thucydides, everyone. Your mom, your little sister, and your uncle can all use a reverse-chronological resume format. Tom Essay! The combination resume format is for people who want to show off their skills a little bit before jumping into their experience because they are either a career changer or a high-level professional. The functional resume format , aka the skills-based resume format, is controversial and creative writing pieces short, should be avoided by everyone. More on that later.

Bonus: Download FREE ultimate checklist of 54 things you need to do before you send your resume. “Resume 101 Checklist.” Speaking of skills, find out what skills are the most desirable and tom essay, how to put them on a resume. The guide has a great infographic too: What Skills to Put on a Resume? [Examples+ 6 Tips] The Usual Choice - The Reverse-chronological Resume. The reverse-chronological resume format is the most common format and can be used by contests virtually anyone applying for a job. It is the bread and tom essay, butter of about communication resume formats. Benefits of the tom essay, Reverse-chronological Format. 1. It’s standard. Recruiters are used to herodotus thucydides essays, scanning this easy-to-read resume format. They will automatically know where your information is, and that you’ve sent a complete resume.

2. Tom Essay! Applicant Tracking Systems (ATS) can read it too . It is easy for the robots to find the different sections of your resume when you use the reverse-chronological format. 3. The reverse-chronological resume format puts an emphasis on a coursework, work history and experience . If you are an average job seeker, your work history is where most of your relevant skills will be located. Weaknesses of the Reverse-chronological Resume Format. 1. It’s standard. Choosing this standard resume format is safe, but it will look like all of the other resumes in the pile. So you will need to make an extra effort to catch a recruiter’s eye and showcase your skills and tom essay, achievements. Writing Short! 2. The reverse-chronological format puts an emphasis on tom essay, work history and creative writing short, experience.

If you have large gaps in your work history or no experience then it may not be the best format for tom essay, showing off your skills. The reverse-chronological resume format places an emphasis on your job history by a lab putting it at the top of the tom essay, resume under the contact information. 1952 State! You start by listing your most recent work and tom essay, follow with past jobs in comparison herodotus thucydides a reverse chronological order - thus the name of the tom essay, format. Think of it like eating dessert before you get your main course followed by an appetizer. And it’s great because starting with dessert at the top of your resume is essay for teachers a good way to catch the attention of the tom essay, recruiter.

Here is what a reverse-chronological resume format sample looks like. We created it in our resume builder (you can make your resume here): As you can see in the resume format sample, the experience section comes first followed by the education section and research on california gold, other additional sections. Are you struggling with how to write a resume? Read our complete guide: So how do you dress up this standard resume format so that it works best for you and attracts attention? How To Improve Your Resume By Adding These 3 Sections. Here are three ways that you can dress up a boring, old reverse-chronological resume format: Add a resume summary or resume objective.

Add achievements to your experience section. Add a Hobbies and Interests Section. Tom Essay! I recommend starting with a carefully constructed resume objective or a resume summary. Choose the essay, resume objective if you are an entry-level applicant, changing your career, or have very little experience. All other professionals should opt for the resume summary.

Resume objectives and summaries are confusing, and they are hard to write. So, we’ve written complete guides about writing resume summaries and objectives so that you don’t have to struggle anymore. Tom Essay! We’ve also made examples for almost any profession so you can see a sample from your own field of expertise. The Only Way to Use Resume Objectives [20+ Examples] (read now) 7 Resume Summary Tips That Will Get You the Job [INFOGRAPHIC] (read now) Adding your achievements within the a coursework communication, experience section as bullet points is tom essay a way to get your top accomplishments at the top of your resume. Pro Tip: Use the PAR (Problem Action Result) approach to writing about your achievements: In situation P (Problem) I did A (Action) which led to R (Result) . So to pick a completely random and made up example: My previous employer wanted to increase revenue (P) so I created a new marketing campaign on Facebook (A) which led to a 15% increase in sales and a 10% increase in 1952 essay revenue (R) . Finally, adding a hobbies and tom essay, interests section will give recruiters a fuller image of you as a person. Comparison Thucydides! While it may seem unprofessional to include such an informal section in the format of a resume, a lot of businesses are beginning to tom essay, look for comparison thucydides essays, candidates who will fit in with their office culture.

Your personal interests can make you more attractive and memorable to a recruiter, and signal that you would be a good fit for the company. Tom Essay! If you want to find out more about the benefits of a hobbies and interests section and how to add one to your resume, you can read the article below. The Only Way To Put Hobbies Interests on a Resume [5 Tips] (read now) How to Use a Combination Resume Format to Boost Skills. Research On California Gold Rush! A combination resume format is the only real alternative to the reverse-chronological resume format. Tom Essay! As the name implies, the combination resume format combines aspects of the other two resume formats, focusing on papers on california rush, skills without throwing out the experience section.

The experience section is still important and near the top of your resume just like in a reverse-chronological resume format. You start a combination resume format with a resume summary (aka Qualifications Summary). Your resume summary can be formatted as a paragraph or as a list of bullet points, and is a short, snappy introduction that highlights your career progress and skill set. Your experience section comes next. Here is where the reverse-chronological and combination resume formats differ.

With the tom essay, combination resume format , you can emphasize your skills by grouping the bullet points under specific, skill-based subheadings. As you list your roles and responsibilities under each job, you can organize the bullet points like this: Cinderella Bootcamp (2009-01 - present) Her Royal Highness, Princess Event Organizer. Spearhead team building activities for groups of for teachers up to 10 housekeeping princesses. Head up and tom essay, manage a team of 15 mice responsible for kitchen and housekeeping duties. Project management involving the motivation of a team of creative writing pieces 20+ bluebirds responsible for camp laundry, with a 10% increase in productivity after two months. Conduct webinars on how to wash dishes in glass heels. Orchestrate the creation of tom essay internal communications between different departments. Responsible for organizing, writing, and communicating the daily schedules and comparison essays, activities of tom essay both staff and bootcamp participants. Pro Tip: Grouping your bullet points under such subheadings is also good for providing ATS with keywords . State! The emphasis that the combination resume format places on skills is what makes it a good choice for tom essay, talented professionals, who have a lot of should be in skills and experience, and career changers. Career changers are able to focus on skills that will translate from their old role or profession to their new one. After the skills-based experience section, the combination format continues in the same way as the reverse-chronological format: education and tom essay, additional sections.

Why the Functional Resume Format is gold Dysfunctional. A functional resume format takes the pressure off of your job history and refocuses on your skills and abilities. Tom Essay! Sounds great right? In fact, the format of a functional resume just throws job history out of the window. On a functional resume, an creative pieces experience section is reduced to a list of tom essay old, dusty employers at the bottom of the resume. You can eliminate dates and creative writing pieces short, your roles and responsibilities.

The bulk of the resume becomes a place for showcasing your skills in any order you see fit. If you aren’t careful, it can look like a jumble of random skills listed under vague headlines like “customer service skills” or “leadership skills.” You do not have to link these skills with job experience or explain how you got them. So your leadership skills could come from being the oldest sibling in your family. And your awesome customer service skills could go all the way back to that time when you were five years old with a lemonade stand in your front yard. The fact that there is no specific information or proof that you learned your skills in any sort of job setting is the tom essay, real weakness of the functional resume format. The lack of proof alone makes you look suspicious and could result in a recruiter simply throwing out your resume. There are experts that will tell you that it is a good format for students , people who have gaps in their work history, or people who are changing their careers.

But it just makes you look sneaky - like you’re hiding something. It is also not good for ATS because the robots can't scan your resume for essay state, dates or specific sections. I would recommend not using the functional resume format if you can avoid it. Here's How to Choose a File Format - PDF Resume Vs. Tom Essay! Word Resume. A Coursework About! Should you save you create a PDF resume or a Word resume?

The benefit of creating a PDF resume is that your resume formatting will not get messed up when it is opened by tom essay a recruiter. It also gives you more creative freedom as you'd use platforms such as Photoshop or InDesign to create a PDF resume. At the research on california gold, same time, your resume may need to tom essay, pass through Applicant Tracking System (ATS) software. And some ATS software may have trouble reading a PDF resume. ATS does not like graphs or tables and requires plain text. In that case, a Word resume is probably a better choice.

In any situation, having both formats on hand is best practice. Papers Gold Rush! Bonus: Download FREE ultimate checklist of tom essay 54 things you need to do before you send your resume. “Resume 101 Checklist.” While there are not many resume formats to choose from, the choice is important. The format of a resume really comes down to whether or not you want to focus on your skills or your career progression. Either way, you have to find ways to overcome the cookie cutter nature of resume formats without coloring too far out of the lines. You also have to make sure that a recruiter doesn’t take one look at the format of your resume and decide that you are trying to hide something. The best way to enhance a standard resume format is to improve each section and to what should a lab report, place your most important skills and achievements near the top third of your resume. If you can open with a great resume summary, followed by strong skills, experience, and tom essay, achievements sections, then you can make any old resume format work for you. Creative Short! Do you have any questions about choosing the right resume format for your position? Is there anything else that should be included in the article?

Leave a comment. Natalie is a writer at tom essay Uptowork. Communication! She loves writing about resumes and eating tacos more than life itself. She spends her free time reading complicated novels and binge watching TV series.

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essay toefl topic TOEFL Writing Topics. 1. People attend school for many different reasons (for example, expanded knowledge, societal awareness, and enhanced interpersonal relationships). Why do you think people decide to go to school? Use specific reasons and examples to tom essay support your answer. 2. Do you agree or disagree with the following statement? Coaches are the best teachers.

Use specific reasons and examples to support your answer. 3. Nowadays, with the invention of the microwave and with the popularity of fast food restaurants, food has become easier to prepare than ever. Creative Pieces? Do you think microwave ovens and fast food restaurants are beneficial to society? Use specific reasons and examples to support your answer. 4. It has been said, Not all learning takes place in the classroom. Tom Essay? Compare and contrast knowledge gained from personal experience with knowledge gained from classroom instruction. 1992 Essay State United? In your opinion, which source is more important? Why?

5. Your government has announced that it wishes to tom essay build a military base near your community. Discuss the advantages and disadvantages of this new influence on your community. Do you support or oppose the military base? 6. Creative Writing Short? If you could change one important thing about your country, what would you change? Use reasons and tom essay specific examples to support your answer. 7. How does advertising influence people's behavior? Use reasons and specific examples to support your answer. 8. Essay Contests? Do you agree or disagree with the following statement? The invention of the Internet has had negative effects on your civilization. Tom Essay? Use specific reasons and examples to short support your opinion.

9. Some students prefer to attend a small university. Others prefer to attend a big university. Tom Essay? Discuss the advantages of each. Then indicate which type of university you prefer? Use specific reasons and details to support your answer. 10.When people succeed in life, it is because of hard work. Being lucky has nothing to writing do with success in life. Do you agree or disagree with the quotation above? Use specific reasons and examples to explain your position.

11. Do you agree or disagree with the following statement? Universities should give the same amount of money to their students' sports activities as they give to their university libraries. Use specific reasons and examples to support your opinion. 12.

Many people visit museums when they travel to new places. Why do you think people visit museums? Use specific reasons and examples to tom essay support your answer. 13. Some people prefer to eat at food stands or restaurants. Other people prefer to prepare and eat food at home. Which do you prefer? Use specific reasons and examples to support your answer. 14.

Some people believe that university students should be required to attend classes. Others believe that going to classes should be optional for on california gold students. Which point of view do you agree with? Use specific reasons and details to explain your answer. 15. Neighbors are the tom essay people who live near us. In your opinion, what are the qualities of a good neighbor? Use specific details and pieces short examples in your answer.

16. It has recently been announced that a new restaurant may be built in your neighborhood. Do you support or oppose this plan? Why? Use specific reasons and tom essay details to support your answer. 17. Some people think that they can learn better by be in report, themselves than with a teacher. Others think that it is always better to have a teacher. Which do you prefer?

Use specific reasons to develop your essay. 18. What are some important qualities of tom essay, a good supervisor (boss)? Use specific details and examples to gold explain why these qualities are important. 19. Should governments spend more money on improving roads and highways, or should governments spend more money on improving public transportation (buses, trains, subways)? Why? Use specific reasons and details to develop your essay. 20. Some people prefer to cook at home. Other people prefer to eat out.

Which do you prefer? Use specific reasons and examples to support your answer. 21. Tom Essay? It is what a lab report better for children to grow up in the countryside than in a big city. Tom Essay? Do you agree or disagree? Use specific reasons and examples to 1952 1992 essay united develop your essay. 22. In general, people are living longer now. Discuss the tom essay causes of creative writing, this phenomenon.

Use specific reasons and details to develop your essay. 23. Tom Essay? We all work or will work in our jobs with many different kinds of people. In your opinion, what are some important characteristics of a co-worker (someone you work closely with)? Use reasons and specific examples to explain why these characteristics are important. 24.

In some countries, teenagers have jobs while they are still students. Should A Lab? Do you think this is a good idea? Support your opinion by using specific reasons and details. 25. Tom Essay? A person you know is planning to move to comparison essays your town or city. What do you think this person would like and dislike about living in your town or city? Why?

Use specific reasons and details to tom essay develop your essay. 26. It has recently been announced that a large shopping center may be built in your neighborhood. Do you support or oppose this plan? Why? Use specific reasons and details to support your answer. 27.

It has recently been announced that a new movie theater may be built in your neighborhood. Do you support or oppose this plan? Why? Use specific reasons and details to support your answer. 28. Do you agree or disagree with the following statement? People should sometimes do things that they do not enjoy doing. What Should Be In Report? Use specific reasons and examples to support your answer. 29. Do you agree or disagree with the following statement?

Television, newspapers, magazines, and other media pay too much attention to the personal lives of famous people such as public figures and celebrities. Use specific reasons and details to explain your opinion. 30. Some people believe that the tom essay Earth is being harmed (damaged) by human activity. About Communication? Others feel that human activity makes the Earth a better place to tom essay live. What is your opinion? Use specific reasons and examples to support your answer. 31. It has recently been announced that a new high school may be built in your community. Do you support or oppose this plan?

Why? Use specific reasons and details in your answer. 32. 1992 Essay State United? Some people spend their entire lives in tom essay one place. Others move a number of times throughout their lives, looking for a better job, house, community, or even climate. Which do you prefer: staying in one place or moving in search of herodotus thucydides, another place?

Use reasons and specific examples to support your opinion. 33. Is it better to enjoy your money when you earn it or is tom essay it better to save your money for some time in the future? Use specific reasons and examples to support your opinion. 34.

You have received a gift of money. The money is enough to buy either a piece of jewelry you like or tickets to a concert you want to attend. Creative Pieces Short? Which would you buy? Use specific reasons and tom essay details to support your answer. 35. Essay? Businesses should hire employees for their entire lives. Do you agree or disagree? Use specific reasons and examples to support your answer. 36.

Do you agree or disagree with the following statement? Attending a live performance (for example, a play, concert, or sporting event) is more enjoyable than watching the same event on television. Use specific reasons and examples to support your opinion. 37. Choose one of the following transportation vehicles and explain why you think it has changed people's lives. 38. Use specific reasons and examples to support your answer. Do you agree or disagree that progress is always good? Use specific reasons and examples to support your answer. 39.

Learning about the past has no value for those of us living in the present. Do you agree or disagree? Use specific reasons and tom essay examples to support your answer. 40. Do you agree or disagree with the following statement? With the help of technology, students nowadays can learn more information and learn it more quickly. Report? Use specific reasons and examples to support your answer.

41. The expression Never, never give up means to keep trying and never stop working for your goals. Do you agree or disagree with this statement? Use specific reasons and examples to support your answer. 42. Some people think that human needs for farmland, housing, and industry are more important than saving land for endangered animals. Tom Essay? Do you agree or disagree with this point of view? Why or why not? Use specific reasons and examples to support your answer. 43. What is a very important skill a person should learn in writing pieces short order to be successful in the world today?

Choose one skill and use specific reasons and tom essay examples to support your choice. 44. Why do you think some people are attracted to dangerous sports or other dangerous activities? Use specific reasons and research on california rush examples to support your answer. 45. Some people like to tom essay travel with a companion. Other people prefer to 1992 essay united travel alone. Which do you prefer? Use specific reasons and examples to support your choice.

46. Some people prefer to get up early in the morning and start the day's work. Others prefer to get up later in the day and work until late at night. Which do you prefer? Use specific reasons and examples to support your choice. 47.

What are the important qualities of a good son or daughter? Have these qualities changed or remained the tom essay same over time in your culture? Use specific reasons and research papers gold rush examples to support your answer. 48. Some people prefer to work for tom essay a large company.

Others prefer to a coursework about work for a small company. Which would you prefer? Use specific reasons and tom essay details to support your choice. 49. Communication? People work because they need money to live.

What are some other reasons that people work? Discuss one or more of these reasons. Use specific examples and tom essay details to support your answer. 50. Do you agree or disagree with the following statement? Face-to-face communication is better than other types of communication, such as letters, E-mail, or telephone calls. Use specific reasons and about communication details to tom essay support your answer.

51. Some people like to do only research papers gold rush what they already do well. Tom Essay? Other people prefer to try new things and take risks. Herodotus Essays? Which do you prefer? Use specific reasons and tom essay examples to support your choice. 52. Some people believe that success in life comes from taking risks or chances. Others believe that success results from careful planning. In your opinion, what does success come from? Use specific reasons and examples to support your answer. 53.

What change would make your hometown more appealing to people your age? Use specific reasons and examples to support your opinion. 54. Do you agree or disagree with the following statement? The most important aspect of a job is the money a person earns. Use specific reasons and examples to support your answer. 55. Do you agree or disagree with the papers rush following statement? One should never judge a person by external appearances.

Use specific reasons and tom essay details to support your answer. 56. Do you agree or disagree with the following statement? A person should never make an important decision alone. Use specific reasons and gold rush examples to support your answer. 57.

A company is tom essay going to give some money either to support the arts or to protect the environment. Which do you think the creative writing pieces short company should choose? Use specific reasons and examples to support your answer. 58. Some movies are serious, designed to make the tom essay audience think.

Other movies are designed primarily to amuse and entertain. Which type of writing short, movie do you prefer? Use specific reasons and examples to support your answer. 59. Tom Essay? Do you agree or disagree with the following statement? Businesses should do anything they can to make a profit. Use specific reasons and examples to support your position. 60. Some people are always in a hurry to go places and get things done. Other people prefer to essay take their time and live life at a slower pace.

Which do you prefer? Use specific reasons and examples to tom essay support your answer. 61. Essay? Do you agree or disagree with the following statement? Games are as important for adults as they are for children. Tom Essay? Use specific reasons and examples to support your answer. 62. Do you agree or disagree with the following statement?

Parents or other adult relatives should make important decisions for their older (15 to 18year-old) teenage children. Use specific reasons and examples to support your opinion. 63. What do you want most in a friend someone who is intelligent, or someone who has a sense of humor, or someone who is reliable? Which one of these characteristics is most important to you? Use reasons and specific examples to explain your choice. 64. Do you agree or disagree with the following statement? Most experiences in our lives that seemed difficult at research papers gold rush, the time become valuable lessons for the future.

Use reasons and specific examples to support our answer. Some people prefer to work for tom essay themselves or own a business. 65. Others prefer to work for an employer. Communication? Would you rather be self-employed, work for someone else, or own a business? Use specific reasons to explain your choice. 66. Should a city try to preserve its old, historic buildings or destroy them and replace them with modern buildings?

Use specific reasons and examples to support your opinion. 67. Do you agree or disagree with the following statement? Classmates are a more important influence than parents on a child's success in school. Use specific reasons and examples to support your answer. 68. Tom Essay? If you were an employer, which kind of research on california gold rush, worker would you prefer to hire: an inexperienced worker at a lower salary or an experienced worker at a higher salary? Use specific reasons and details to support your answer. 69. Tom Essay? Many teachers assign homework to students every day.

Do you think that daily homework is necessary for students? Use specific reasons and details to support your answer. 70. If you could study a subject that you have never had the opportunity to study, what would you choose? Explain your choice, using specific reasons and details. 71. Some people think that the automobile has improved modern life. Others think that the automobile has caused serious problems. What is your opinion? Use specific reasons and examples to support your answer.

72. Which would you choose: a high-paying job with long hours that would give you little time with family and friends or a lower-paying job with shorter hours that would give you more time with family and friends? Explain your choice, using specific reasons and details. 73. 1952 1992? Do you agree or disagree with the following statement? Grades (marks) encourage students to learn. Use specific reasons and examples to support your opinion. 74. Some people say that computers have made life easier and tom essay more convenient.

Other people say that computers have made life more complex and research papers on california stressful. What is your opinion? Use specific reasons and examples to support your answer. 75. Do you agree or disagree with the following statement? The best way to travel is in a group led by a tour guide. Tom Essay? Use specific reasons and examples to support your answer. 76. Some universities require students to be in take classes in many subjects. Other universities require students to specialize in one subject.

Which is better? Use specific reasons and examples to support your answer. 77. Tom Essay? Do you agree or disagree with the essay following statement? Children should begin learning a foreign language as soon as they start school. Use specific reasons and examples to support your position. 78. Do you agree or disagree with the following statement? Boys and girls should attend separate schools.

Use specific reasons and examples to support your answer. 79. Is it more important to be able to tom essay work with a group of people on a team or to 1952 1992 essay united work independently? Use reasons and tom essay specific examples to support your answer. 80.

Your city has decided to build a statue or monument to honor a famous person in your country. Who would you choose? Use reasons and specific examples to contests support your choice. 81. Tom Essay? Describe a custom from essay for teachers your country that you would like people from other countries to adopt. Tom Essay? Explain your choice, using specific reasons and examples. 82. Do you agree or disagree with the following statement? Technology has made the world a better place to live. Use specific reasons and examples to support your opinion.

83. Do you agree or disagree with the following statement? Advertising can tell you a lot about a country. Use specific reasons and contests for teachers examples to support your answer. 84. Do you agree or disagree with the tom essay following statement? Modern technology is creating a single world culture. Comparison Herodotus Thucydides? Use specific reasons and examples to support your opinion. 85. Some people say that the Internet provides people with a lot of tom essay, valuable information.

Others think access to so much information creates problems. Which view do you agree with? Use specific reasons and examples to a coursework support your opinion. 86. A foreign visitor has only tom essay one day to spend in your country. Where should this visitor go on that day? Why? Use specific reasons and details to support your choice. 87.

If you could go back to 1952 1992 some time and place in the past, when and tom essay where would you go? Why? Use specific reasons and details to support your choice. 88. What discovery in the last 100 years has been most beneficial for creative writing people in your country? Use specific reasons and examples to support your choice. 89.

Do you agree or disagree with the following statement? Telephones and tom essay E-mail have made communication between people less personal. Use specific reasons and communication examples to support your opinion. 90. If you could travel back in time to meet a famous person from history, what person would you like to meet? Use specific reasons and examples to support your choice. 91.

If you could meet a famous entertainer or athlete, who would that be, and why? Use specific reasons and tom essay examples to support your choice. 92. If you could ask a famous person one question, what would you ask? Why? Use specific reasons and details to support your answer.

93. Some people prefer to live in places that have the what should be in a lab same weather or climate all year long. Others like to live in areas where the weather changes several times a year. Tom Essay? Which do you prefer? Use specific reasons and examples to support your choice.

94. Many students have to live with roommates while going to school or university. What are some of the for teachers important qualities of a good roommate? Use specific reasons and examples to explain why these qualities are important. 95. Do you agree or disagree with the tom essay following statement? Dancing plays an on california gold important role in tom essay a culture. Use specific reasons and examples to support your answer. 96. Short? Some people think governments should spend as much money as possible exploring outer space (for example, traveling to the Moon and to other planets). Other people disagree and think governments should spend this money for our basic needs on Earth.

Which of tom essay, these two opinions do you agree with? Use specific reasons and details to support your answer. 97. People have different ways of escaping the stress and difficulties of modern life. Essay For Teachers? Some read; some exercise; others work in their gardens. What do you think are the best ways of reducing stress? Use specific details and examples in your answer.

98. Do you agree or disagree with the following statement? Teachers should be paid according to how much their students learn. Give specific reasons and examples to support your opinion. 99. If you were asked to send one thing representing your country to an international exhibition, what would you choose? Why? Use specific reasons and details to explain your choice.

100. You have been told that dormitory rooms at tom essay, your university must be shared by two students. Would you rather have the university assign a student to share a room with you, or would you rather choose your own roommate? Use specific reasons and details to explain your answer. 101. Some people think that governments should spend as much money as possible on developing or buying computer technology. Other people disagree and think that this money should be spent on more basic needs. Which one of these opinions do you agree with?

Use specific reasons and details to gold rush support your answer. 102. Some people like doing work by tom essay, hand. Others prefer using machines. Papers Gold Rush? Which do you prefer? Use specific reasons and examples to support your answer.

103. Schools should ask students to evaluate their teachers. Do you agree or disagree? Use specific reasons and examples to support your answer. 104. In your opinion, what is the tom essay most important characteristic (for example, honesty, intelligence, a sense of humor) that a person can have to be successful in life? Use specific reasons and 1952 essay united examples from your. experience to explain your answer. When you write your answer, you are not limited to the examples listed in the question. 105. Tom Essay? It is generally agreed that society benefits from the work of its members.

Compare the contributions of artists to society with the contributions of 1992 state united, scientists to society. Which type of contribution do you think is valued more by your society? Give specific reasons to support your answer. 106. Students at universities often have a choice of tom essay, places to live. They may choose to comparison thucydides live in tom essay university dormitories, or they may choose to live in apartments in the community. Compare the advantages of living in university housing with the advantages of living in comparison herodotus thucydides an apartment in tom essay the community.

Where would you prefer to live? Give reasons for your preference. 107. You need to travel from your home to a place 40 miles (64 kilometers) away. Research Papers Rush? Compare the different kinds of tom essay, transportation you could use. Tell which method of 1952 state united, travel you would choose. Give specific reasons for your choice.

108. Some people believe that a college or university education should be available to all students. Others believe that higher education should be available only to good students. Discuss these views. Tom Essay? Which view do you agree with? Explain why. 109. Some people believe that the best way of learning about life is by listening to the advice of family and friends.

Other people believe that the best way of learning about life is through personal experience. Compare the advantages of these two different ways of learning about life. Which do you think is preferable? Use specific examples to support your preference. 110.

When people move to another country, some of them decide to on california follow the customs of the new country. Others prefer to tom essay keep their own customs. Compare these two choices. Which one do you prefer? Support your answer with specific details. 111. Some people prefer to 1952 essay united spend most of their time alone.

Others like to be with friends most of the time. Do you prefer to spend your time alone or with friends? Use specific reasons to support your answer. 112. Some people prefer to spend time with one or two close friends. Others choose to spend time with a large number of friends.

Compare the advantages of each choice. Which of these two ways of spending time do you prefer? Use specific reasons to tom essay support your answer. 113. Some people think that children should begin their formal education at a very early age and should spend most of their time on school studies. Creative Pieces Short? Others believe that young children should spend most of their time playing. Compare these two views. Which view do you agree with? Why? 114.

The government has announced that it plans to build a new university. Some people think that your community would be a good place to locate the tom essay university. Compare the advantages and disadvantages of establishing a new university in your community. Comparison Herodotus? Use specific details in your discussion. 115. Some people think that the family is the most important influence on young adults. Other people think that friends are the most important influence on young adults. Which view do you agree with? Use examples to support your position. 116. Some people prefer to tom essay plan activities for their free time very carefully.

Others choose not to make any plans at all for 1952 1992 essay their free time. Compare the benefits of planning free-time activities with the benefits of tom essay, not making plans. Which do you prefer — planning or not planning for your leisure time? Use specific reasons and examples to explain your choice. 117. People learn in different ways.

Some people learn by 1952 1992 united, doing things; other people learn by reading about things; others learn by listening to people talk about things. Which of these methods of learning is best for you? Use specific examples to support your choice. 118. Some people choose friends who are different from themselves. Others choose friends who are similar to themselves. Compare the advantages of having friends who are different from you with the advantages of having friends who are similar to you. Tom Essay? Which kind of friend do you prefer for yourself? Why? 119. Some people enjoy change, and they look forward to new experiences.

Others like their lives to stay the same, and they do not change their usual habits. Research Gold Rush? Compare these two approaches to tom essay life. Which approach do you prefer? Explain why. 120. Do you agree or disagree with the following statement? People behave differently when they wear different clothes. Do you agree that different clothes influence the way people behave? Use specific examples to support your answer.

121. Decisions can be made quickly, or they can be made after careful thought. Do you agree or disagree with the following statement? The decisions that people make quickly are always wrong. Use reasons and specific examples to support your opinion. 122. Some people trust their first impressions about a person's character because they believe these judgments are generally correct. Other people do not judge a person's character quickly because they believe first impressions are often wrong. Compare these two attitudes.

Which attitude do you agree with? Support your choice with specific examples. 123. Do you agree or disagree with the essay state united following statement? People are never satisfied with what they have; they always want something more or something different. Tom Essay? Use specific reasons to creative short support your answer. 124.

Do you agree or disagree with the following statement? People should read only those books that are about real events, real people, and established facts. Use specific reasons and details to support your opinion. 125. Do you agree or disagree with the following statement?

It is more important for students to tom essay study history and on california gold literature than it is for them to study science and mathematics. Use specific reasons and examples to support your opinion. 126. Do you agree or disagree with the following statement? All students should be required to study art and music in tom essay secondary school. Use specific reasons to research rush support your answer. 127. Do you agree or disagree with the following statement? There is nothing that young people can teach older people. Use specific reasons and examples to support your position. 128.

Do you agree or disagree with the following statement? Reading fiction (such as novels and short stories) is more enjoyable than watching movies. Use specific reasons and examples to explain your position. 129. Some people say that physical exercise should be a required part of every school day. Tom Essay? Other people believe that students should spend the whole school day on academic studies.

Which opinion do you agree with? Use specific reasons and details to support your answer. 130. A university plans to develop a new research center in your country. Some people want a center for business research. Other people want a center for research in agriculture (farming). Thucydides Essays? Which of these two kinds of tom essay, research centers do you recommend for your country? Use specific reasons in your recommendation.

131. Some young children spend a great amount of their time practicing sports. Discuss the advantages and disadvantages of this. Use specific reasons and examples to should be in support your answer. 132. Do you agree or disagree with the tom essay following statement? Only people who earn a lot of money are successful.

Use specific reasons and examples to support your answer. 133. If you could invent something new, what product would you develop? Use specific details to explain why this invention is essay contests for teachers needed. 134. Tom Essay? Do you agree or disagree with the following statement? A person's childhood years (the time from be in a lab report birth to twelve years of age) are the most important years of a person's life. Use specific reasons and examples to support your answer. 135. Do you agree or disagree with the following statement?

Children should be required to help with household tasks as soon as they are able to tom essay do so. Essay United? Use specific reasons and tom essay examples to support your answer. 136. Some high schools require all students to what be in report wear school uniforms. Other high schools permit students to tom essay decide what to wear to school. Which of these two school policies do you think is better? Use specific reasons and examples to support your opinion. 137.

Do you agree or disagree with the following statement? Playing a game is fun only when you win. Use specific reasons and examples to support your answer. 138. Do you agree or disagree with the following statement? High schools should allow students to study the courses that students want to study. Use specific reasons and examples to support your opinion. 139. Comparison Herodotus Essays? Do you agree or disagree with the following statement? It is better to be a member of a group than to be the leader of a group.

Use specific reasons and examples to support your answer. 140. Tom Essay? What do you consider to be the most important room in a house? Why is about this room more important to you than any other room? Use specific reasons and examples to support your opinion. 141. Some items (such as clothes or furniture) can be made by tom essay, hand or by machine. Which do you prefer — items made by hand or items made by machine?

Use reasons and specific examples to explain your choice. 142. If you could make one important change in a school that you attended, what change would you make? Use reasons and 1952 1992 united specific examples to support your answer. 143. A gift (such as a camera, a soccer ball, or an animal) can contribute to tom essay a child's development. Pieces Short? What gift would you give to tom essay help a child develop? Why?

Use reasons and specific examples to support your choice. 144. Some people believe that students should be given one long vacation each year. Others believe that students should have several short vacations throughout the research gold year. Which viewpoint do you agree with? Use specific reasons and examples to support your choice.

145. Would you prefer to live in a traditional house or in tom essay a modern apartment building? Use specific reasons and what should details to tom essay support your choice. 146.Some people say that advertising encourages us to buy things we really do not need. Others say that advertisements tell us about new products that may improve our lives. Which viewpoint do you agree with? Use specific reasons and examples to support your answer. 147. Some people prefer to spend their free time outdoors. Contests? Other people prefer to tom essay spend their leisure time indoors. Would you prefer to be outside or would you prefer to be inside for your leisure activities?

Use specific reasons and examples to explain your choice. 148. Your school has received a gift of money. What do you think is the best way for your school to spend this money? Use specific reasons and details to support your choice. 149. Do you agree or disagree with the following statement?

Playing games teaches us about life. Use specific reasons and creative writing examples to support your answer. 150. Imagine that you have received some land to use as you wish. How would you use this land? Use specific details to explain your answer. 151.

Do you agree or disagree with the following statement? Watching television is bad for tom essay children. Use specific details and examples to support your answer. 152. What is the most important animal in your country? Why is the animal important? Use reasons and specific details to research papers rush explain your answer. 153. Many parts of the world are losing important natural resources, such as forests, animals, or clean water. Choose one resource that is disappearing and explain why it needs to be saved. Use specific reasons and examples to support your opinion.

154. Do you agree or disagree with the tom essay following statement? A zoo has no useful purpose. Use specific reasons and examples to for teachers explain your answer. In some countries, people are no longer allowed to smoke in many public places and office buildings. Do you think this is tom essay a good rule or a bad rule?

Use specific reasons and details to support your position. 155. Plants can provide food, shelter, clothing, or medicine. What is one kind of plant that is important to you or the people in your country? Use specific reasons and details to explain your choice. 156. You have the opportunity to visit a foreign country for two weeks.

Which country would you like to should a lab report visit? Use specific reasons and details to tom essay explain your choice. 157. In the future, students may have the choice of studying at comparison thucydides essays, home by tom essay, using technology such as computers or television or of studying at traditional schools. Which would you prefer? Use reasons and creative writing specific details to explain your choice.

158. When famous people such as actors, athletes and tom essay rock stars give their opinions, many people listen. Do you think we should pay attention to these opinions? Use specific reasons and examples to should a lab report support your answer. 159. The twentieth century saw great change. In your opinion, what is one change that should be remembered about the twentieth century? Use specific reasons and tom essay details to explain your choice. 160. When people need to complain about a product or poor service, some prefer to creative writing pieces short complain in writing and others prefer to complain in person.

Which way do you prefer? Use specific reasons and tom essay examples to what be in a lab report support your answer. 161. People remember special gifts or presents that they have received. Why? Use specific reasons and examples to support your answer. Some famous athletes and entertainers earn millions of dollars every year. Do you think these people deserve such high salaries?

Use specific reasons and examples to support your opinion. 162. Is the ability to read and write more important today than in the past? Why or why not? Use specific reasons and examples to tom essay support your answer.

163. People do many different things to creative stay healthy. What do you do for good health? Use specific reasons and examples to support your answer. 164. You have decided to give several hours of your time each month to tom essay improve the community where you live. What is comparison one thing you will do to improve your community? Why? Use specific reasons and tom essay details to explain your choice.

165. People recognize a difference between children and adults. What events (experiences or ceremonies) make a person an adult? Use specific reasons and examples to explain your answer. 166. Your school has enough money to purchase either computers for students or books for the library. What A Lab Report? Which should your school choose to buy —computers or books? Use specific reasons and examples to tom essay support your recommendation. 167.

Many students choose to attend schools or universities outside their home countries. Why do some students study abroad? Use specific reasons and comparison thucydides essays details to explain your answer. 168. People listen to tom essay music for 1952 1992 essay state different reasons and at different times. Tom Essay? Why is music important to many people? Use specific reasons and examples to support your choice. 169.

Groups or organizations are an research papers on california rush important part of some people's lives. Why are groups or organizations important to people? Use specific reasons and examples to explain your answer. 170. Imagine that you are preparing for tom essay a trip. You plan to be away from a coursework about communication your home for a year. In addition to clothing and tom essay personal care items, you can take one additional thing.

What would you take and what be in why? Use specific reasons and details to support your choice. 171. When students move to a new school, they sometimes face problems. How can schools help these students with their problems? Use specific reasons and examples to explain your answer. 172. It is sometimes said that borrowing money from tom essay a friend can harm or damage the should a lab report friendship.

Do you agree? Why or why not? Use reasons and tom essay specific examples to explain your answer. 173. Every generation of people is different in a coursework important ways. How is your generation different from your parents' generation? Use specific reasons and tom essay examples to explain your answer. 174. Some students like classes where teachers lecture (do all of the creative short talking) in class.

Other students prefer classes where the students do some of the talking. Which type of class do you prefer? Give specific reasons and tom essay details to support your choice. 175. Holidays honor people or events. If you could create a new holiday, what person or event would it honor and how would you want people to celebrate it? Use specific reasons and details to gold support your answer. 176. A friend of yours has received some money and plans to use all of it either. • to go on vacation.

Your friend has asked you for advice. Compare your friend's two choices and explain which one you think your friend should choose. Use specific reasons and details to support your choice. 177. The 21st century has begun. What changes do you think this new century will bring? Use examples and details in your answer. Tom Essay? What are some of the qualities of a good parent? Use specific details and examples to 1952 1992 state united explain your answer. 178.

Movies are popular all over the world. Explain why movies are so popular. Use reasons and specific examples to support your answer. In your country, is there more need for land to be left in its natural condition or is there more need for tom essay land to be developed for housing and industry? Use specific reasons and contests for teachers examples to support your answer. 179.

Many people have a close relationship with their pets. These people treat their birds, cats, or other animals as members of their family. In your opinion, are such relationships good? Why or why not? Use specific reasons and examples to support your answer. 180.

Films can tell us a lot about the tom essay country where they were made. What have you learned about a country from watching its movies? Use specific examples and details to support your response. 181. Some students prefer to research gold rush study alone. Others prefer to study with a group of students. Which do you prefer?

Use specific reasons and examples to tom essay support your answer. 182. You have enough money to herodotus purchase either a house or a business. Which would you choose to tom essay buy? Give specific reasons to explain your choice.