Tuesday, January 28, 2020

Poverty in children with single parents

Poverty in children with single parents The most difficult thing is not spending enough time with my dad really. He might like expect me to phone him, but hes a parent so he should be taking care of me and phone me. If he really cared hed phone me every weekend and see how I was getting on at school, spend time with me and help me to do my course work (What Children from Single Parent Families Have to Say 13). This is what a typical child living in a single parent family might say when he feels ignored by one of his parents. This could be shocking to some people who believe that single parenthood doesnt greatly affect a childs life or attitude (McLanaham 1). But the fact is that not all children who grow up in single parent families are able to maintain a successful life, most of these children might suffer from great difficulties in making a transition to adulthood (Mather 1). These children are more vulnerable to poverty which increases the dangers of growing up in a single parent household to more than just economical o nes. Poverty might even cause an increase in the risks of dropping out of school, disconnecting from labor forces, and ending up as a thieves stuck in a room with not even a single parent aside (Mather 1). Early studies suggest that growing up with one parent had no long term effects on the child, but more recent reports show that the effects of parental breakup might sometimes extend to having the children intentionally damage their bodies and some might even commit suicide due to major psychiatric diseases (Single-parent Children at Increased Risk of Suicide). Adolescents who had grown up with only one of their parents during their childhood are twice as likely to suffer from poverty, have low academic achievements, and suffer from low levels of social and emotional well-being (McLanaham 1). Poverty is one of the main problems that most single-parent children suffer from. Unlike children living with a regular family, single-parent children usually have only one parent to provide income (Family and Community 10). Without the support of their husbands, single mothers face a difficult challenge in maintaining a stable economy for their family. These mothers have limited financial sources and cant easily afford to cover their childrens education, child care, and health care costs (Mather 2). For this reason, most of them tend to live with their parents or with other relatives to gain their financial support (Mather 2). Some of these mothers tend to find another option which is returning to school and resuming their education in order to find adequate jobs with reasonable salaries (Family and Community 10). If the father was too busy to take care of his recent family, he should at least ensure that his childs mother has a good educational rank and good job trainings to ensure that his children successfully pass to the stage of adulthood (Mather). He cant just leave everything on the mother; he has major responsibilities which he should never ignore towards a child which is in total need of both of his parents. Most parents miss the fact that their children could understand all what is going on around them; these children realize that their parent cant afford all what they need and crave for. As a result, they try to minimize their requests and stick to demanding for nothing but the necessities. In a way or another, the children become the ones nurturing their parent instead of them being the ones nurtured. These childrens parent often has no enough money to afford the cost of school trips or any extra activities which blocks any attempt of being able to build any social relationship, whats amazing and shocking at the same time about most of these children is that they rarely complain and dont ask for more than whats available (What Children from Single Parent Families Have to Say 25). Poverty could thus damage both financial and social aspects of a childs life. Many factors play important roles in the childrens development and affect the way they think and act. These factors include neighborhood characteristics, schools, and peer networks. But the most important factor which affects the childs growth is the parents themselves who provide the major source of social support in the childrens lives (Mather 1). With the mothers busy finding a way to provide income for their children, the child grows not only with a single parent but also with no parents at all, and the bad effects are thus doubled. These children always demand contact with the non-resident parent and complain about the way he/she is ignoring their presence. Their biggest concerns are the problems among their resident parent, their non-resident parent, and themselves (What Children from Single Parent Families Have to Say 13). They always think about every fight that happens and they even sometimes blame themselves. In addition to spending no time with their parents, these childre n also spend no time with their friends. The lack of money they face causes them difficulties in getting along with their peers; they feel excluded when their friends do activities that require money which they themselves dont have (What Children from Single Parent Families Have to Say 25). After having suffered from poverty at an early age, children in single parent households become more vulnerable to mental and psychiatric diseases (Single-parent children at increased risk of suicide). The simplest problems could appear as major ones in their view; they need much more care and attention than other children. But the painful fact is that not only do these children face financial poverty, but also time poverty; they repeatedly complain about how much they need attention from their parent who always comes tired from work and needs a long relaxing sleep (What children from single parent families have to say 14). These parents cant realize the fact that their supervision of their children at this stage is extremely important to enhance their well-being. This single parent has less time to monitor his/her children closely, and eventually he/she knows nothing about where his/her children are, who they are with, and what theyre doing (Why Single Parenthood Affects Children 24 ). Some of these children take advantage of this situation and commit actions like suicide in order to escape from what they think is an unbearable situation (Single-parent Children at Increased Risk of Suicide). This lack of parental monitoring terribly affects the childs behavior and causes him lots of psychological and emotional problems. Whether or not their mother was remarried, these children are susceptible to the risk of depression which increases with the increase of conflicts among their biological parents (Kawachi et al). With all the problems they are facing, single parents obviously have no time to get involved in their childrens school activities and usually have no enough money to set high academic goals for their children. These are the major factors which are well known to endanger the academic achievement of children. The more the parents are involved in their childrens school, the less are the problems that their children face in their education. With the lack of a stable educational background, these children face many difficulties in being enrolled in quality universities and eventually in finding quality jobs (Why Single Parenthood Affects Children 24). The poverty of their parents affects their educational achievements in different manners; the ones who grow up poor mostly have lower literacy rates, higher rates of dropping out of school, and even higher delinquency rates (The Causes and Consequences of Childrens Poverty). The minds of these children are often busy with their parents problems and they have no time to think about their school or about anything related to their education. They are full of nothing but psychological problems and free of academic aspirations. Most of them face difficulties in attending school and thinking about anything other than their parents divorce. With all the stress upon them, their academic achievements become less and eventually end up having them drop out of school. While going through a divorce, parents should pay close attention to their children to make sure that they face a low amount of stress. They have to make sure that their children understand very well that they will do anything to reduce the impact of divorce upon their lives (Hawkins). Anger might overcome these children and lead to severe problems at school, some of them might not be able to control their anger and engage in fights with their schoolmates because they only want someone to argue with to relief themselves; they even sometimes engage in fights with their teachers. The more the time he gets involved in fights, the less the time he spends in classroom (Hawkins). But the fact is that many children raised by single parent mothers grow up to be quite successful. These children are probably the ones who had responsible parents who knew how to treat their children in order to sustain a peaceful life. If this parent took his child out for dinner of even sat with him peacefully on the dinner table in an attempt to listen, his child might happily seize this chance and complain about all what hes suffering from instead of committing suicide or tearing his skin apart. One hour per day is quite enough to solve the childs social issues. As for the parent living in poverty, keep it to yourself and never complain about this problem near your children even if you have to live without many things that you are used to. When the children see their parents suffering, they might blame themselves and think that they are the reason for their parents depression. Try to find ways to afford even the simplest school trips to help your children fit into the outside wo rld and forget about living with a single parent. It would be a responsible act of the parent if he/she gives his/her childs school a visit once per week to ask about his/her academic performance and to check whether he/she is facing problems. Single-parenting is not a disaster if the parents were responsible and knew how to act.

Monday, January 20, 2020

How to Solve the Foreclosure Crisis Essay -- Economics

There should be a bifurcated targeting of the housing market. The first and main target of the housing recovery needs to be the cautious restructuring of the government sponsored entities—GSE’s—Fannie Mae (FNM), Freddie Mac (FRE) and to a lesser extent FHA. Recent news headlines put the combined total mortgage market share for the FNM, FRE and FHA at seventy-two percent (72%) [i] of the entire industry. The restructuring of those three entities will be a process of dividing their combined debt into at least ten smaller portfolios which individual investors can either incorporate into the existing businesses or form entirely new businesses made up of all or any part of the portfolio(s) they purchase. Each portfolio ideally will represent no more than a 5% to 7% share of the mortgage market so that we no longer have behemoths that are â€Å"too large to fail†. Further, the government will in all likelihood have to guarantee—for a limited period of time and with expectations of profit sharing similar to that of the banking bailouts and in fact the funds the banks are now paying back could be used for the purpose of guaranteeing so as not to offend the public—part of the initial funding that the private enterprises will need and want in order to get their respective pieces of the mortgage market launched. The breakup of these three GSE’s into numerous pieces will help manage the ability of success as it is not likely that all ten pieces will fail and as smaller players are easier to manage this will help increase the likelihood for success. In order for the government to get both the best price/value for each portfolio created from the breakup each of these portfolios should have different levels of mortgage debt risk. This will incr... ...o handle or avert another crisis should one come our way in the future and to return to the tax payer the monies it has already paid to bailing out these institutions. Works Cited [i] A combined market share of 72% for Fannie Mae, Freddie Mac and FHA as indicated by Mortgage Market Note—CIRE Magazine: http://www.ciremagazine.com/article.php?article_id=307 (04/01/2009; 09/14/2009) also see the NPR report at http://www.npr.org/templates/story/story.php?storyId=98285028 (12/17/2008; 09/14/2009) [ii] BretWhissel Mortgage Calculator http://www.bretwhissel.net/cgi-bin/amortize (09/14/2009) [iii] American Institute for Economic Research report http://www.aier.org/research/commentaries/583-update-on-the-house-price-trends (10/16/2008; 09/14/2009) also see the iTulip report http://www.itulip.com/housingbubblecorrection.htm (01/20/2005; 09/14/2009)

Sunday, January 12, 2020

Biopure Solution

Biopure Corporation has two new products that are Oxyglobin and Hemopure. Oxyglobin is the first new blood substitute for the veterinary market and is ready for consumer use. Hemopure is another new blood substitute for the human market and it will take two years to launch the product from now on. Ted Jacobs, vice president for Human Clinical Trials, is concerned about creating an unrealistic price expectation for Hemopure by marketing Oxyglobin before Hemopure. On the other hand, Andy Wright, vice president for Veterinary Products, believes that selling Oxyglobin has benefits for the company in terms of generating revenues for the use of launching Hemopure and learning how to market and make mistakes prior to the launch of Hemopure. Carl Rausch, the president and CEO of Biopure Corporation, has to decide if the release of Oxyglobin would be beneficial for the company without jeopardizing the potential of Hemopure. The Solution: I think that launching Oxyglobin has many benefits for the company. For this reason, I agree with Andy Wright’s decision to begin by selling Oxyglobin. Ted Jacobs indicates that the veterinary market is small and price sensitive. He also believes that if the company prices Oxyglobin around $150, it will be very difficult to price Hemopure at $800 because of the huge difference in price for the same product. I disagree with Ted Jacobs because although the production processes and physical characteristics of these two products are identical, Oxyglobin is targeted for the animal market whereas the target customer for Hemopure is the human market. Just because products are identical does not mean that the company prices separately; it is all about the supply and demand. The determining factor of price is the market itself, so Ted Jacobs thinks that Biopure can achieve the price points of $600 to $800. He can only estimate these price points based on the market price. Additionally, even though the veterinary market is small and price sensitive, being the first in any market will make a huge difference and impact the company’s reputation in a positive way if the product satisfies the needs and wants of the consumers. 84% of veterinary doctors complained about the lack of alternatives to the blood transfusion in the marketplace. I believe that this is a big opportunity for Biopure to enter the veterinary market because Oxyglobin has already passed an FDA – approval process specific to the veterinary market. If the competitors want to get a share for animal blood substitutes, they have to wait at least for two years. Waiting for Hemopure to launch both products at the same time will also put the company in a risk because of the possibility of competitors’ entrance to the veterinary market. Once Oxyglobin achieves its purpose for animals and satisfies the veterinary doctors and pet owners, the success of this product will help Biopure to easily launch Hemopure and attract the human market. The Implementation: Andy Wright and his team can have a successful launch for Oxyglobin by implementing the followings: †¢ The Pricing Strategy: Even though the surveys show that veterinarians recommend less-expensive treatments over more-expensive, 90% of pet owners are willing to be informed about all the available alternatives to treat their pets. For this reason, giving the many advantages of Oxyglobin relative to donated animal blood and being the only animal blood substitute in the market, Oxyglobin should carry a premium price of up to $200 per unit. The Distribution Strategy: Instead of making a contract with one of the distributors, Biopure should consider of distributing Oxyglobin by using its salesforces. By doing so, the company does not have to pay 20% of the selling price on a more-established product and 30% of the selling price on a new product. Since the estimated cost of distributing Oxyglobin is $10 to $15 per unit, Biopure would save money compared to the cos t of contracting with one of the distributers which would be $60 per unit.

Friday, January 3, 2020

Influence Of Religion On International Trade Essay

Introduction Today’s world economy is changing drastically and as a result trade between countries is emerging. International business is constantly growing. Culture has proven to have a huge influence on trade. Religion can be defined as a system of shared beliefs and rituals that are concerned with the realm of the sacred. Religion is a system that guides people’s behaviors and influence them in the way they interact with other people and the world. Religion is one important source of a society s beliefs, attitudes, and values. It teaches people how to develop qualities such as love, peace, long-suffering, kindness, and goodness. Those qualities make them an asset to society. Religion practices also affect the way one’s can do businesses (e.g. in Europe during the Catholic holidays many days are close for business). This research paper will discuss the influence of religion on international trade and also the impact that most influential religions such as Christianity, Hind uism, Judaism, Buddhism, and Islam have on trade. Religion has a significant role international trade. It set fundamental principles and values which govern the way its adherent behave and influence their daily decisions. Examples abound of religious tenets, holidays, and practices directly impacting the way people of different faiths react to global marketing and advertising activities (Keegan Green, 2008). Religious beliefs can impact world trade in many ways. People sharing the same religiousShow MoreRelatedWhat ´s Psychic Distance? Essay1518 Words   |  7 PagesAmbos, 2010, p. 195) and therefore has an impact on the success of internationalizing. There are several factors that make up psychic distance. 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