Economics Essay Example | Topics and Well Written Essays - 1000 words - 4

Economics - Essay Example (Simpson, et al., 1) The Federal Reserve System is made up of twelve regional banks located in San Francisco, Dallas, Kansas City, Minneapolis, Chicago, St. Louis, Atlanta, Cleveland, Richmond, Philadelphia, New York, and Boston. Private banks own stock in the twelve regional banks, this is what funds the twelve Federal Reserve Regional banks. The twelve regional banks are made up of regions listed below: Another component of the Federal Reserve System is the Federal Reserve Board of Governors. The Federal Reserve Board of Governors is appointed by the President of the United States of America, but confirmed by the Senate. The seven member board serves can only serve a maximum of fourteen years, with a member serving one term at time of two years. The only exception is the Chairman of the Board and the Vice Chairman, who serve four year terms. However, the fourteen year limit also applies to them. The only way a board member can be removed is by the president for cause. The current board members are Ben S. Benmanke, Chairman, Donald L. Kohn, Vice Chairman, Susan Schmidt Bies, Kevin M. Warsh, Randall S. Krosnzer, and Frederic S. Mishkin (The Federal Reserve Board). This Board of Governors is an independent governmental agency. They oversee the twelve regional banks, plus the numerous private banks owning stock in the regional reserve banks. The Federal Open Market Committee (FOMC) is a committee made up of the Federal Reserve Bank of New York, the Federal Reserve Board of Governors, plus four other Federal Reserve Regional Bank presidents that serve on a alternate schedule. This committee reviews the open market. The open market being the buying and selling of government securities. This way the committee can determine monetary and credit conditions. The FOMC also oversees the foreign currency exchange rate. The FOMC is extremely important part of the Federal Reserve System,

Prison reform in Ghana Thesis Example | Topics and Well Written Essays - 250 words

Prison reform in Ghana - Thesis Example Prisons are housed in old colonial forts. New structures are being built, but not fast enough. Since most of the population is economically poor many end up committing a crime. The poor are at the mercy of the gang members. The prisons are filled with violence, drugs, and corruption. The Ghana Prison Service is in charge of overseeing the prisons. While changes are being made, they are woefully inadequate. The problem becomes that the Ghana people are patterning a prison system after the British. This would be fine if the Ghana government had the resources of the British government. Since the country is one of the poorest in the world, their prison system cannot achieve the same goals as one of the richest countries in the world. The Ghana Prison System needs to create a correctional program based on their resources, culture, and needs. While this seems unlikely I can only hope for a better prison system in the future. I wish that all humans can be treated fairly, even those in West Africa. Ghana deserves to have their culture preserved in every aspect of their life, including their prison

Student Council Essay Example for Free

Student Council Essay To our honorable principal, Mrs. Dianne Derla Atlas, to our hardworking school administrator, Mr. Raymond Go, to our lovable Student Council Adviser, Mrs. Christine Campana Go, to our faculty and staff and to my fellow collegians, a pleasant afternoon to all of you. I’m Marichelle Lubigan, a III- St. Luke student, under the supervision of Ms. Marjorie Aspuria, and I’m running for the position of secretary under VOICE Party. I First started as the English Club secretary. Being new to this campus, I didn’t even know how to start writing the minutes of the meeting. But through the help of our Club President, I survived. When the year was about to end, my sister encouraged me to join the leadership training. Luckily, I passed the screenings and made it ‘till the Leadership training. When the announcement came, I wasn’t hoping that my name will be called. I knew that there are lots of students who are deserving for that positions. It was already summer vacation when Kuya Ron texted me to go to school. When I went to school, I was surprised when I was asked to replace the Filipino Club President. I’ve learned a lot from my experiences during my first year as an SC Officer. I found myself undergoing the leadership training again. I tried my best to prove myself again. Luckily I passed, but this time, I was included to the new batch of SC Officers. I ran as the Business Manager. I wasn’t competitive enough that i will win that time because my opponent is more popular than me, Marc Ryan Clamor. When the results came, I was surprised when I won, i told myself that i won’t waste the trust you’ve given to me and for my last year as a leadership trainee, I was quite nervous for Ms. Tin told us at the screening that there are lots of first year students who are really trying their best. Many of them spoke straight English and want the position of President. When the training came, i actively participated during lectures and group discussions. During the announcement, I felt really nervous because all of the trainees were really deserving to be chosen, that is why I didn’t go to school that day. When my sister told me that I was chosen to have another chance to be an SC Officer, I was really surprised and thankful. I’m actually running for the position of treasurer, but due to the encouragement of my party mates, I’ve decided to run for secretary. The secretary is the one responsible in keeping accurate records of meetings and student activities, programs, and sessions. The secretary also writes the minutes, and takes ideas from students during a meeting. Again, I’m Marichelle Lubigan, running for the position of Secretary under VOICE party. Im hoping that I convinced you to vote for me. Vote wisely. Vote straight, VOICE Party! A pleasant afternoon to all of you. Thank you. :D.

PR1MA Group Housing Affordability

PR1MA Group Housing Affordability AFFORDABILITY RATE AMONG PR1MA RECIPIENTS IN PUTRAJAYA, MALAYSIA Nur Aini Syafawani Binti Umar1 ,Shirley Tan2 and Mohd Zairul bin Mohd Nor3 Master of Architecture (M. Arch) Faculty of Design and Architecture University Putra Malaysia, 43400 Serdang, Selangor Abstract A house is one of the basic important needs for humans. According to Universal Declaration of Human Rights (UDHR), Article 17, Everyone has the right to own property alone as well as in association with others. Affordable housing is housing that balance with the average household income and as the rule of thumb, housing is considered affordable if the costs is less than 30% of gross household income. The increasing in housing prices cause imbalance between housing affordability and household income which has becomes the dilemmas for the young starters to buy their first house. Malaysian government has introduced several affordable housing policies to facilitate home ownership among different groups of household income. However, the policies which only benefit the low-income household group have neglected the needs for affordable housing for middle income group. PR1MA housing policy is one of the methods of policies aimed at ensuring that all eligible Malaysians are given chance towar ds home ownership. Therefore, this study is to investigate the rate of affordability among young home owner of PR1MA in Federal Territory of Putrajaya using the survey method; pilot survey, a preliminary survey to gather information in smaller scale and personal interview survey to explore the responses of the respondents to gather deeper information towards understanding factors influencing rate of affordability. The findings establish that the main housing issue faced by the middle-income groups are housing price and household expenditure. Hence, it is recommended to address these issues in designing an affordable scheme for the middle-income groups based on the findings of the study. Keywords: housing, affordability 1.0 INTRODUCTION In the recent years, rapid economic development has leads to population growth and this has resulted in the increasing demand for residential housing at urban city in Malaysia. The increasing of housing prices has become the dilemma of the young starters which falls under middle income group to buy their first house. Most of the young starters are having difficulties to secure a mortgage from the final institution. Despite many assistance from the government to assist the young starters to own their dream house, the affordable issue still haunting the target group for realizing their dreams. The main purpose of this paper is to study the rate of affordability among eligible young starters for PR1MA program. The Government of Malaysia aware that housing is a basic need for every citizen and is an important element in contributing for the urban economy. PR1MA housing policy is one of the methods of policies aimed at ensuring that all eligible Malaysians are given chance towards home ownership. According to general PR1MA guidelines, those eligible to apply for PR1MA homes are Malaysians owning not more than one home and having a gross household income of not more than RM7, 500 per month. The PR1MA apartments in Putrajaya were certainly popular with over 7,000 applications received for 560 apartments (PR1MAs website, 2017). As a result, PR1MA housing in Putrajaya was chosen as our pilot study and this study aims to investigate the rate of affordability among the young starter who are eligible for the PR1MA housing program. Therefore, the objectives of the present study are: To identify the average household income expenditure among young starter who are eligible to apply PR1MA houses. To identify the affordability issue over PR1MA housing price among young starter 2.0 LITERATURE REVIEW Affordability means differently to renters and owners. Although every group in the housing market is affected by the mortgage rates, owners are affected much more as compare to the renters (CVRDs Regional Growth Strategy, 2016). Several studies or research have been done to understand what does affordable housing mean in this context. The definition of affordable housing is the subject of different analyses and debates among experts (Baqutaya, 2016). Upon the debates, definition of affordable housing is a housing that is considered affordable if the debt service ratio is 30% of the income expenditure (Zairul, 2017). Families that pay more, especially lower and medium income families, are considered cost burdened because they may have difficulty paying for non-housing needs such as food, clothing, transportation, childcare, and medical care (Gary Pivo, 2013). Rate of affordability was measured by house price to income ratio according to Median Multiple methodology (Cagamas, 2013). The definition of affordability is essential before further analyzing the root cause of housing affordability. Issues relating to affordable housing has becomes a dilemmas among low and middle income group. The root cause of affordability among the group was due to the increase of non-housing expenditure by 4.7% based on the Consumer Price Index (Cagamas, 2013). Affordability is mainly defined by the relationship between household expenditure and income. Many authors (Yates and Gabriel, 2006; Carney and Boyle, 2004) argues that housing affordability is affected by the distribution of house prices, household incomes and the structure of financing costs.  Based on the growth of current housing scenario in Malaysia, the issue has been underpinned by the interface of three forces; growing population, high rates of urbanization and growing economy. The imbalance between demand and supply, particularly in the affordable housing segment, has contributed to a high increase in housing prices. This has compounded housing affordability issues, particularly for the low and middle income population (Eco nomic Developments, 2015). Malaysian government has introduced several affordable housing policies to facilitate home ownership among different groups of household income. However, little is done to attend the needs of the middle income group. Despite economic growth, 60% of the middle income group is young starters and majority of their income level falls under lower middle category (Dr. Azriyati, Dr. Rosly and Dr Kuppusamy, 2013). The increasing in housing prices, household expenditure and the lacking of more affordable housing policies AFFORDABILITY RATE AMONG PR1MA RECIPIENTS IN PUTRAJAYA, MALAYSIA Nur Aini Syafawani Binti Umar1 ,Shirley Tan2 and Mohd Zairul bin Mohd Nor3 Master of Architecture (M. Arch) Faculty of Design and Architecture University Putra Malaysia, 43400 Serdang, Selangor Abstract A house is one of the basic important needs for humans. According to Universal Declaration of Human Rights (UDHR), Article 17, Everyone has the right to own property alone as well as in association with others. Affordable housing is housing that balance with the average household income and as the rule of thumb, housing is considered affordable if the costs is less than 30% of gross household income. The increasing in housing prices cause imbalance between housing affordability and household income which has becomes the dilemmas for the young starters to buy their first house. Malaysian government has introduced several affordable housing policies to facilitate home ownership among different groups of household income. However, the policies which only benefit the low-income household group have neglected the needs for affordable housing for middle income group. PR1MA housing policy is one of the methods of policies aimed at ensuring that all eligible Malaysians are given chance towar ds home ownership. Therefore, this study is to investigate the rate of affordability among young home owner of PR1MA in Federal Territory of Putrajaya using the survey method; pilot survey, a preliminary survey to gather information in smaller scale and personal interview survey to explore the responses of the respondents to gather deeper information towards understanding factors influencing rate of affordability. The findings establish that the main housing issue faced by the middle-income groups are housing price and household expenditure. Hence, it is recommended to address these issues in designing an affordable scheme for the middle-income groups based on the findings of the study. Keywords: housing, affordability 1.0 INTRODUCTION In the recent years, rapid economic development has leads to population growth and this has resulted in the increasing demand for residential housing at urban city in Malaysia. The increasing of housing prices has become the dilemma of the young starters which falls under middle income group to buy their first house. Most of the young starters are having difficulties to secure a mortgage from the final institution. Despite many assistance from the government to assist the young starters to own their dream house, the affordable issue still haunting the target group for realizing their dreams. The main purpose of this paper is to study the rate of affordability among eligible young starters for PR1MA program. The Government of Malaysia aware that housing is a basic need for every citizen and is an important element in contributing for the urban economy. PR1MA housing policy is one of the methods of policies aimed at ensuring that all eligible Malaysians are given chance towards home ownership. According to general PR1MA guidelines, those eligible to apply for PR1MA homes are Malaysians owning not more than one home and having a gross household income of not more than RM7, 500 per month. The PR1MA apartments in Putrajaya were certainly popular with over 7,000 applications received for 560 apartments (PR1MAs website, 2017). As a result, PR1MA housing in Putrajaya was chosen as our pilot study and this study aims to investigate the rate of affordability among the young starter who are eligible for the PR1MA housing program. Therefore, the objectives of the present study are: To identify the average household income expenditure among young starter who are eligible to apply PR1MA houses. To identify the affordability issue over PR1MA housing price among young starter 2.0 LITERATURE REVIEW Affordability means differently to renters and owners. Although every group in the housing market is affected by the mortgage rates, owners are affected much more as compare to the renters (CVRDs Regional Growth Strategy, 2016). Several studies or research have been done to understand what does affordable housing mean in this context. The definition of affordable housing is the subject of different analyses and debates among experts (Baqutaya, 2016). Upon the debates, definition of affordable housing is a housing that is considered affordable if the debt service ratio is 30% of the income expenditure (Zairul, 2017). Families that pay more, especially lower and medium income families, are considered cost burdened because they may have difficulty paying for non-housing needs such as food, clothing, transportation, childcare, and medical care (Gary Pivo, 2013). Rate of affordability was measured by house price to income ratio according to Median Multiple methodology (Cagamas, 2013). The definition of affordability is essential before further analyzing the root cause of housing affordability. Issues relating to affordable housing has becomes a dilemmas among low and middle income group. The root cause of affordability among the group was due to the increase of non-housing expenditure by 4.7% based on the Consumer Price Index (Cagamas, 2013). Affordability is mainly defined by the relationship between household expenditure and income. Many authors (Yates and Gabriel, 2006; Carney and Boyle, 2004) argues that housing affordability is affected by the distribution of house prices, household incomes and the structure of financing costs.  Based on the growth of current housing scenario in Malaysia, the issue has been underpinned by the interface of three forces; growing population, high rates of urbanization and growing economy. The imbalance between demand and supply, particularly in the affordable housing segment, has contributed to a high increase in housing prices. This has compounded housing affordability issues, particularly for the low and middle income population (Eco nomic Developments, 2015). Malaysian government has introduced several affordable housing policies to facilitate home ownership among different groups of household income. However, little is done to attend the needs of the middle income group. Despite economic growth, 60% of the middle income group is young starters and majority of their income level falls under lower middle category (Dr. Azriyati, Dr. Rosly and Dr Kuppusamy, 2013). The increasing in housing prices, household expenditure and the lacking of more affordable housing policies  for the middle group declining the rate of affordability for home ownership. Towards resolving affordable housing issues, the National Housing Policy (NHP) has been established to outline the direction and form the basis for the planning and development of the housing sector at the federal, state, and local levels (10th Malaysia Plan, 2009). The NHP is introduced to provide sufficient and affordable houses to improve the well-being of the people as well as tackling the issues and challenges faced by the housing industry today (Dato Ahmad, 2009). However, the NHP targeting on the affordability issue for all level of income group which is the low and middle income group. Targeting on the middle income group, the type of available affordable housing scheme by the government is as follows: Table 1: Schemes for middle income group in Malaysia. Adapted from: Zairul (2017) My First Home Scheme (SRP) PR1MA PPA1M Eligibility Income limit for individual loans from RM 3,000 to RM5,000 per month or joint household incomes for up to RM10,000 per month. Eligibility to own property costs up to RM400,000 Malaysian citizen Total individual or household income (husband wife) between RM2,500 to RM15,000 monthly Single or Married Owns no more than 1 property between the applicants and applicants spouse, if any RM90,000-RM120,000 (joint income and not more than RM6000) RM150,000-RM220,000 (joint income not more than RM10,000) RM221,000-RM260,000 (joint income not more than RM10,000) 18-35 years old and first-time buyers 21 years old and above 18-60 years old (for government servant only) Table 1 shows the available schemes for middle income group in Malaysia. Most of the middle income group consists of young starters who could not afford to buy their first house and at the same time, they are not eligible for low cost housing. This study will focus on the PR1MA housing policy which is aimed at ensuring the middle income group are given chance towards home ownership. In conclusion, affordability expresses the challenge each household faces in balancing the household income and household expenditure. Affordable housing schemes launched by the government was to promote affordability in all levels of income group. Towards realizing of home ownership, little has been done to cater the needs of housing for the middle income group. Even though the middle income group are eligible for purchasing affordable house from the affordable housing scheme, but their affordability does not depends only on the eligibility but also influenced by the household expenditure. It is important for the government to revise the term affordability to ensure the affordable housing scheme is able to balance with the income level of the group. 3.0 METHODOLOGY The study was conducted by three methods: 1) desk review; 2) process analysis; 3) in-depth interview. This paper started by first understanding the definition of affordability through the method of desk review by searching relevant information on the meaning of affordability in local context. The definition of affordable housing is the subject of different analyses and debates among experts (Baqutaya, 2016). The source of reading materials was also searched through desk review. Types of affordable housing scheme available, the eligibility of the policies related, and the current issue of housing affordability was focused in this method. The second method was process analysis which involves the collection of data through questionnaire survey and in-depth interview. The questionnaire survey were done among the young home owners of PR1MA in Putrajaya to determine age, occupation, and income bracket. In-depth interview was carried out to further study and is essential to review on factors influencing housing affordability among young starters. Thus, the questions were more detail and specified on the household expenses and in-depth understanding about affordability. 4.0 DATA ANALYSIS This survey divided the study into two sections; The income category of current young starters as home owners of PR1MA affordable house unit and, The category household size of the young starter. The survey with young starters involved two sessions, starting with a pilot study conducted among the young home owners of PR1MA house in Putrajaya. The next session involved an in-depth interview with the young starters to study the factors that would influence the rate of affordability. The pilot study was conducted to determine age, occupation, and income bracket. Criteria for the selection of the respondents included the following: 1) young professionals age between 21 to 35 years old; household income or combined income not exceeding RM7500 monthly; 3) home owner of PR1MA house in Putrajaya. Total number of young starter respondents from the current PR1MA home owners according to income category surveyed is as shown in Table 1. From the survey conducted, 60% of the respondents with household income range from RM2500 to RM4000, 20% range from RM4001 to RM6000, 10% with income ranging RM6001 to RM7000 and 10% from RM7000 to RM7500. Table 2: Distribution of Young Starter Survey PR1MA Respondents by Household Income Income Category Number of response Percentage RM2500-RM4000 6 60% RM4001-RM6000 2 20% RM6001-RM7000 1 10% RM7001-RM7500 1 10% Total 10 100% The second session with the young starters involves an in-depth interview. During the interview session, the emphasis was on the factors influencing the rate of affordability. The category of household size of the young starter determines the percentage of household expenses from household income monthly. The interview feedback was used to study 1) the price of PR1MA house bought, 2) types of household expenses involved monthly, 3) alternative used by the young home owners to lessen mortgage burden. Table 3 shows the household size of the current young starter of PR1MA home owners. 50% of the young respondents are single, 20% of them are married without having children and 20% are with married status and blessed with one children. Only 10% of the respondents with higher household size with two or more children in a family. Table 3: Distribution of Young Starter Survey PR1MA Respondents by Household Size Household Size Number of response Percentage Single 5 50% Married with no children 2 20% Married and have 1 children 2 20% Married and have 2 or more children 1 10% Total 10 100% 5.0 FINDINGS AND DISCUSSIONS According to a study from Azriyati (2013), middle income households can be categorized into three sub-categories; Low-Middle Income, Middle-Middle Income and Upper-Middle Income. Table 4: Categorization Income for Middle Income Group. Extracted from Azriyati (2013) City Income Category Lower-Middle Middle-Middle Upper-Middle Kuala Lumpur RM2001-4000 RM4001-RM6000 RM6001-RM8000 Table 4 shows the sub-categorization of middle income group. The income category for lower-middle group is RM2001 to RM4000; middle-middle group is RM4001 to RM6000; and upper-middle is RM6001 to RM8000. In relation to table 1, 60% of the respondents falls under lower-middle income category; 20% falls under middle-middle income category; and the remaining 20% falls under upper-middle income category. It can be concluded that majority of the young starters income category falls under lower-middle income category which is near to the bottom line of low income group. Table 5: Calculation of affordability rate among Malaysians. (Source: flexZhouse, Zairul (2017)) CASE 1 CASE 2 CASE 3 CASE 4 PROPERTY PRICES RM500,000 RM400,000 RM280,000 RM150,000 Net pay (household) RM7,500 RM7,000 RM8,000 RM5,500 Less: statutory deductions Income tax RM225 RM210 RM240 RM165 EPF contributions (8%) RM825 RM770 RM880 RM605 Net take-home pay RM6,450 RM6,020 RM6,880 RM4,730 Less: monthly commitment Mortgage Installments (6% for 30 years) RM2,700 RM2,160 RM1,512 RM810 Utilities RM300 RM300 RM300 RM300 Car hire-purchase (one car) RM800 RM800 RM800 RM800 Petrol and maintenance for one car RM1,000 RM600 RM600 RM600 Food and other expenses RM1,000 RM1,000 RM1,000 RM1,000 Childcare (one person) RM800 RM800 RM800 RM800 Insurance plan (RM200 per pax) RM200 RM200 RM450 RM450 Parents (RM200 per pax) RM400 RM400 RM400 RM400 Net savings (-RM600) (-RM490) RM1,018 RM430 Household to income ratio 5.56 4.76 2.92 2.27 From the table above, the calculation was based on the Consumer Price Index (CPI), 2013 which has increased by 4.7% (Cagamas,2013). The calculation above illustrates the typical monthly expenses of young starters in Malaysia. Against this scenario, the acceptable range for affordability current middle income home owners is between RM150,000 and RM280,000 (Zairul, 2017). Table 6 shows the price to income category determining the affordable rate. Table 6: Ratio of House Price to Household Income (Source: Cagamas Berhad, 2013) Category House Price to Income Ratio Severely Unaffordable 5.1 Above Seriously Unaffordable 4.1 to 5.0 Moderately Unaffordable 3.1 to 4.0 Affordable 3.0 Below The house price for PR1MA house unit at Putrajaya are based on two prices, RM120,000 for 815 sqft and RM150,000 for 1,006 sqft according to the feedback through interview conducted. Table 6 shows the calculation of affordability rate among young home owners of PR1MA house in Putrajaya based on the data analysis section. It was learned that 60% of the young home owners income range falls under lower-middle income category. From table 7, both case shows negative disposable income of the PR1MA young home owners which is -RM1,174 and -RM1,218. In relation to data obtained and showed in table 3, the household size of the respondents contributes to household expenditure base on the feedback from the interview. As the rule of thumb, the housing is considered affordable if the debt service ratio is 30% of the income expenditure (Zairul,2017). Table 7: Calculation of affordability rate among young home owners of PR1MA house. Adapted from Zairul (2017) CASE 1 CASE 2 PROPERTY PRICES RM120,000 RM150,000 Net pay (household) RM2,800 RM4,000 Less: statutory deductions Income tax RM120 EPF contributions (8%) RM224 RM288 Net take-home pay RM2,576 RM3,312 Less: monthly commitment Mortgage Installments (6% for 30 years) RM670 RM810 Utilities RM80 RM300 Car hire-purchase (one car) RM800 RM800 Petrol and maintenance for one car RM600 RM600 Food and other expenses RM1,000 RM1,000 Childcare (one person) RM800 Insurance plan (RM200 per pax) RM200 RM200 Parents (RM200 per pax) 400 RM400 Net savings (-RM1,174) (-RM1,218) Household to income ratio Figure 1: Non-Affordability Rate among Young Starter of PR1MA Figure 1 shows data analysis derived from the relationship between income category (table 1) and affordability rate calculation (table 7). Based on the results obtained, 60% of the middle-income group falls under lower-middle income category and the rate of affordability was calculated based on the income range of this category which is between RM2500 to RM4000. The results show the non-affordability for this income category. Figure 1 demonstrates the PR1MA young home owners under income range from RM2500 to RM4000 shows the highest percentage of non-affordability whereas the income category from RM6001 to RM7500 shows the least percentage. Figure 2: Types of Alternative to Increase Household Income Figure 2 demonstrates different alternatives taken by the young owners of PR1MA despite the non-affordability burden. Freelance is the most common way to increase household income and shows the highest percentage which is 70%. Other alternative such as renting out room, part-time insurance agent, and overtime stands 10% respectively. Base on the findings, the rate of affordability was affected by the monthly household income. However, based on the survey conducted, the household expenditure which has incl

Roman Empire Essay -- essays research papers

In the Early 19th Century Romanticism, man becoming one with him self and nature, was a reaction against the Enlightenment of the 18th century. With such people as William Wordsworth, William Blake and Johann Wolfgang von Goethe fueled romanticism with their writings and poems. William Wordsworth, for example, wrote many poems about nature and his beliefs on how life and nature are closely related to one another.   Ã‚  Ã‚  Ã‚  Ã‚  In Wordsworth’s Tables Turned stated, in other words, that the human can archive goodness by becoming one with nature. The poem heavily stated that the human should throw down the books, stop â€Å"wasting† your life on learning and becoming knowledgeable and book smart when all you have to do is go outside and enjoy nature. This would help you achieve all that is needed in life. Wordsworth thought that nature had a huge impact on the human’s imagination. He felt that nature was humanity’s teacher. That it brought out the human imagination because that all the living organisms inner meaning made man think and put meaning into forming there own ideas instead of accepting those of others. The way Wordsworth’s philosophy, as well as others of this time period, differs from that of the Enlightenment is that the philosophers of that time felt you should return to the classics. Meaning read the works of the Greeks and Romans become wel l rounded.   Ã‚  Ã‚  Ã‚  Ã‚  William Blake, another poet whose beliefs of romanticism were expressed ...

Aurora- Light of Mystery Essay -- Papers

Aurora- Light of Mystery Text Box: This shuttle image shows the characteristic oval shape of the aurora.i What is aurora? Auroras, or polar lights, are the luminous phenomenon of the upper atmosphere occurs in high latitudes of both hemispheres. Auroras in the northern hemisphere are called aurora borealis and those in the south hemisphere are called aurora australis. Aurora (Latin for 'dawn') is beautiful and amazing lights which are visible in the dark sky in the poles. It can appear as many different forms, but usually it is a greenish quivering glow near the horizon. In 1621 the term 'aurora' was coined by the French astronomer. More and more observations were done and a concrete description was archived soon afterwards. Many theories were developed this phenomenon. Some suggested that it was the reflection of sunlight of artic light and some believed it was the firelight at the edge of the world; however both hypotheses are rejected because it was found that aurora was found 100-400km above the earth surface which is well beyond the atmosphere. Around the 17th century it has been discovered that it is caused by the interaction between energetic plasma particles from outside atmosphere with atoms of higher atmosphere. Till now, not all the questions about aurora have been answered, but with the escalating astronautic technology, we have a much better understanding on this puzzling phenomenon. How does aurora form? At every moment the sun is giving out charged particles in solar wind. Some of these particles are captured by the earth magnetic field and the bombardment of the solar wind with the atmospheric particles... ...aurora_e/index.html The Exploration of the Earth's Magnetosphere. http://www-istp.gsfc.nasa.gov/Education/wmap.html Learning about Aurora. http://sprg.ssl.berkeley.edu/~cyclopi/lesson1.html Applied physics laboratory site. http://www.jhuapl.edu/newscenter/pressreleases/1998/auroras.htm NASA website. http://www-istp.gsfc.nasa.gov/ Web Exhibits site. http://webexhibits.org/ Britannica Online. http://www.britannica.com/ Hyperphysics. http://hyperphysics.phy-astr.gsu.edu/hbase/hph.html Evaluation on resource: My source information comes from books, journals and internet. The information about most topics is quite consistent except the formation of voltage drop in the aurora acceleration region. There are many theories explaining the phenomenon, but I only concentrated on the two main ones.

How does Shakespeare Create Atmosphere Essay

William Shakespeare creates atmosphere in this scene by using a number of effective techniques, in this essay I will be discussing how these techniques create such a tense and suspenseful atmosphere that truly captures and engages the Elizabethan audience. Firstly, Shakespeare uses dramatic irony in this scene by the entrance of Romeo, the audience are aware that he has just came from marrying Juliet, however the characters on stage are not. The fact that the characters are unaware of this information has a strong influence over their actions that would be different if they knew the truth. This thought will raise the tension in the audience. Another example of dramatic irony being used in this scene is when Romeo tries to explain to tybalt that he loves him and wants to make peace,† But love thee better than thou canst devise , till thou shalt know the reason of my love.† Here the audience understand why Romeo loves Tybalt because he has just married his cousin, however T ybalt thinks Romeo is being sarcastic and this angers him further, while Mercutio perceives Romeos words as giving into tybalt and not defending the family name, he finds this disgusting. â€Å"O calm, dishonourable, vile submission!† Shakespeare shows how words can be interpreted in many different ways, another clever device. Dramatic irony is also used when Tybalt says â€Å"Here comes my man,† as Romeo enters, this reveals that Tybalt has no interest in conflicting with Mercutio, he is here to fulfil his revenge against Romeo for crashing the party. The audience realise this because they have heard Tybalt plan his revenge in Act 1 scene 5, â€Å"Now seeming sweet, convert to bitt’rest gall.† As the characters on stage do not know of this plan, the dramatic tension is increased. Secondly, Shakespeare emphasises the contrasting themes of this play to create atmosphere within this scene; the first example is the stark contrast between the calm and loving cool night setting and the tense, violent, stifling hot setting of this scene. The sharp change of setting would automatically create a sense of uncertainty and give the play more suspense and the audience have now witnessed that the play coul d twist unexpectedly. The main themes of the play, love and hate, contrast heavily in this scene. We witness Romeo tenderly approach Tybalt with love and peace â€Å"And so, good Capulet, which name I tender as dearly as mine own, be satisfied.† The  harshly contrasting words of Tybalt help to emphasise how deep the feud is between the two families â€Å"Thou art a villain.† Romeo enters the scene in a bubble of bliss and new love for his bride but he flees the scene after slaying Tybalt in a state of blind furious revenge. As Mercutio dies, Romeo blames his love for Juliet for making him weak and unable to save his friend.†Thy beauty hath made me effeminate†, this reflects the view of women at the time, as Elizabethan’s believed that if a man was too much in love this made him weak. The importance of masculinity in those times is also shown in Mercutio’s disgust when Romeo refuses Tybalt’s challenge for a duel- a traditional masculine act of protection and defence of nobility. This would create atmosphere as masculinity and femininity are another contrasting theme. Shakespeare uses the role of fate to create atmosphere throughout the play, it appears as fate has choreographed the ev ents to happen in a certain way to result in the tragic end to Romeo’s and Juliet’s love story. Romeo mentions fate and fortune frequently he seems have trust in it and hopes he will be guided into something good. â€Å"But he hath the steerage of my course direct my sail!† After Mercutio’s death Romeo refers to the incident as â€Å"This days black fate.† Again the belief that this greater power has control over the sequence of events is presented to the audience. If fate is this ruthless who will be its next victim? This question of the audience will contribute to the suspenseful atmosphere. Fate is personified when Romeo cries after slaying Tybalt â€Å"O, I am fortune’s fool.† This shows that Romeo feels that fortune is playing around with his life and he has no control over his actions and choices, I think Romeo’s belief in fortune relates to how his character is revealed in this scene. Relating to fate, some of the characters seem to have premonitions of the future, Romeo feels that there will be more trouble to come â€Å"This days black fate on Moe days doth depend.† This gives an eerie hint to the audience on the black fate that will strike Romeo and his Juliet. Benvolio at the beginning of the scene ca n sense that trouble will start because of the heat and suggests to Mercutio that they retire â€Å"And if we meet we shall not scape a brawl, for now these hot days, is the mad blood stirring.† The reference to â€Å"mad blood† hints of the blood that is shed in a Romeo’s mad frenzy of violence, and gives the audience the effective image of the heat and anger boiling Romeo’s blood. Finally, fate seems to find a voice in dying  Mercutio who claims â€Å"A plague a’ both your houses!† which ominously forecasts the plague of death which strikes the lovers at the end of the play. Atmosphere is visually created by the quick and action packed fight scene, two lives are lost in a relatively short time this would have been very dramatic and emotional too watch, having a dazed effect on the audience. The fight scene would have presented Tybalt’s swords skills and Romeo’s furious passion, showing that the battle could go either way, creating a very excited but suspenseful atmosphere. One of the main contributions to the atmosphere is Shakespeare’s choice and style of language; we must remember that Elizabethans went to hear a play and how effective the language was had a key role in gaining their support of the play. Shakespeare uses rhyming couplets to creative an effective atmosphere, when lady Capulet discovers that Romeo has killed tybalt she says â€Å"I beg for justice which thou, Prince, must give: Romeo slew Tybalt, Romeo must not live.† This is effective because rhyming couplets conclude a thought and seal it as definite; this foreshadows the future as Romeo does not live, as a result of killing tybalt, because if not for this action the next sequence of events leading to his death wouldn’t have occurred. Atmosphere is also created by Mercutio’s style of lines, Mercutio speaks in prose a line that is usually given to a common or small character, but Mercutio is a gentlemen from a wealthy background therefore he is not using prose to reflect his social class, but to reflect a negative and lowly view of a subject. In this case Mercutio describes Benvolio’s temper â€Å"Thy head is as full of quarrels is and egg is full of meat.† The audience will realise that it is not the peacemaker Benvolio Mercutio is describing, but that he is describing his own troublemaking characteristics. Talking in prose shows that he feels this lowly and shameful part of his characteristics. Wordplay was another technique used to create atmosphere that was very popular with the Elizabethans, Shakespeare inputs this in Romeo’s response to Tybalt’s challenge as Romeo answers changing the words only slightly. â€Å"The love I bear thee† Romeo responds with â€Å"the reason that I have to love thee†, while â€Å"Thou art a villain† becomes â€Å"villain am I none†. â€Å"Boy, this shall not excuse the injuries†¦Ã¢â‚¬  is met with â€Å"I do protest I never injured thee†. Finally the direct challenge: â€Å"Therefore turn and draw† is countered with â€Å"And so†¦be satisfied†. The revelation of characters in this scene is a one  of the aspects of the atmospher e created, firstly Romeo reveals his impulsive and irrational nature when he chooses to avenge over a friends death rather than spare Juliet the loss of losing him and her cousin. It is also revealed that Romeo is very immature and cannot handle the concept of taking responsibility, only has he just been married and he blames Juliet for his weakness causing Mercutio’s death, linking back to his quote on fortune, Romeo seems to think he cant control anything and that it is all fates fault. Never once does he admit his mistake in killing Tybalt, instead he says fortune is controlling him for fun â€Å"O, I am fortunes fool.† He also personifies fury as if it is not his own actions but as if they are being controlled by fury. â€Å"And fire-eyed fury be my conduct now!† In conclusion all of these techniques I have discussed, tie together a fantastic knot of suspenseful and captivating atmosphere, that advances the plot and provides the first exciting twist of the play.