Becoming An Ecologist Is An Exciting Venture Essay

Becoming an Ecologist is an Exciting Venture nbsp;nbsp;nbsp;nbsp;nbsp;Because of the increasing changes in the environment, a career as an ecologist is an important venture, especially for an earth-science oriented person with a love for nature and animals. With the number of ecological disasters escalating every year there is an ever increasing need for ecologists and people trained in ecology. Along with these disasters there are hundreds of animals and plants that are disappearing off the planet everyday. There is also an increasing demand for a person with the training to take care for, rehabilitate and then return to the wild injure animals, which is the prime responsibility of an ecologist. Ecologists mainly study the ways in†¦show more content†¦nbsp;nbsp;nbsp;nbsp;nbsp;Pre-training occurs when a person volunteers their services to any organization so that they can get the much needed information that they need to perform their job more efficiently. This information would include how to conduct research, how to track animals, and how to clean up disasters in new ways. Getting to see what the animals and nature that a person will most likely be working with or around or would be like is also one of the job details that they must become fluent in. Many organizations, from scouts to the World Wildlife Foundation, can use the services of a ready and able bodied and able minded people to help them out in their conduction of research and concluding hypothesis. Through these organizations a person can make valuable contacts that can help that person get a job in the environmental field or to get a promotion later on in their career. nbsp;nbsp;nbsp;nbsp;nbsp;Because of the changes in the world around us, a person in the field of ecology must stay focused on all of the upcoming and new technologies in the world today. A person needs to have a formal education of at least a bachelor’s degree. A person will also need at least some experience in conducting research so they will be able to take advantage of certain opportunities in the future. While a person is still living at home, they can find new and inventive ways to apply their knowledge of theShow MoreRelatedCase Studies67624 Words   |  271 Pagesnuggets) Thane Pune (lettuce) Oo’ty (lettuce) Baramati (cheese) Hyderabad (mutton patties) Venkatapur (pickles) Cochin Supplier locations Distribution centres Case 8 McDonald’s expansion strategies in India distributors and joint venture partners and employees had to match the restaurant chain’s quality and hygiene standards before they became part of its system. McDonald’s experience in identifying and cultivating the supplier of lettuce provided an excellent illustration of theRead MoreEssay on Silent Spring - Rachel Carson30092 Words   |  121 Pagesso much cheaper an alternative. Chapter 6 Earths Green Mantle Analysis Carson continues to build her case with example after example of the havoc wreaked by indiscriminate application of chemicals to the environment. In this chapter, she also ventures further into her overall argument by beginning to relate examples of natural control of unwanted plants by means of insects that are the plants natural and exclusive enemies. The positive note of this chapter is a welcome change from the barrageRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 Pagesplanning are How to implement productive co st reduction How to recognize when regular audits of quality compliance will not guarantee customer loyalty Businesses are growing more intricate and at warp speed. For example, consider the effects of venture capital financing, multiple marketing channel distribution, and entirely new patterns of employee recruiting, development, and training. In addition, product and services launches increasingly require more effective development initiatives. RapidlyRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pagesglobal history in the twentieth century has often led to its neglect. The fact that the most recent phase of the human experience is usually covered only at the end of a multiterm sequence of world history units has meant that it often ends up becoming a rushed add-on of rather random, abbreviated capsule summaries and general overviews. In view of the fact that no phase of history can begin to match the twentieth century in terms of the extent to which it has shaped the contemporary world,

Money Demand Literature Review Analysis Essay - 1149 Words

Money Demand Literature Review Wienclaw (2015) states that regression analysis allows for the use of variables in mathematical models to determine the value of an unknown variable. This can require several assumptions, including that the information being used is correct. However, as Wienclaw (2015) points out, in reality, data is not always perfect or correct. In the business world this requires great care when analyzing models and using regression analysis (Wienclaw, 2015). Models and regression analysis are best used to assist organizations in developing strategy based on market information. Wienclaw (2015) describes the relationship between variables as â€Å"complex and synergistic†. When using this information for managerial decision making, leaders must consider the use of certain variables over others, and the impacts of leaving out variables on the overall decision (Wienclaw, 2015). Wienclaw (2015) also points out that severe deviations in analysis could demons trate those variables are vital to the analysis. Jawadi and Sousa make a money demand comparison between the United Kingdom and United States. This article uses the Dynamic Ordinary Least Squares (DOLS) method to analyze money demand in the euro area, to include the United States and United Kingdom. The DOLS analysis conducted utilizes several variables: real money demand, real GDP, nominal interest rate, real effective exchange rate, first difference operator, constant, number of leads and lags ofShow MoreRelatedOutline Of An Project On Inflation Essay1141 Words   |  5 Pagessubject that delays the economic development of the country. It is becoming extra hectic to economists, politicians and even people also. Factors on both demand and supply effect the inflation. So the stabilization strategies ought to consequently focus on both demand manipulation as well as supply management. 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Low Interest Rate Long Term Effect Free Essays

Low Interest Rates Long Term Effect â€Å"The prolonged low-interest rate environment is transforming the banking industry from savings and loans to service and loans,† said Dan Geller, executive vice president of research firm Market Rates Insight in San Anselmo, Calif. (Fitzpatrick) Consumers may think that the continued low interest rates are a profound thing, but banks on the other hand think much differently. Consumers are refinancing their houses at rates as low as 2. We will write a custom essay sample on Low Interest Rate Long Term Effect or any similar topic only for you Order Now 875%, while big banks like Hudson City Bancorp Inc. , a mortgage lender, are being forced to sell themselves to MT Bank Corp. These super low interest rates are complicating the industry’s journey to a recovery from the financial crisis. In the article† Low Rates Pummel Banks†, from the Wall Street Journal, Dan Fitzpatrick further explains the negative effect of long term low interest rates. Fitzpatrick describes it as â€Å"Borrowers Benefit, but Industry Lending Profits Hit Lowest Level in Three Years†. (Fitzpatrick) Usually, we would believe it to be true that lower interest rates are a good thing, because they make it cheaper to borrow. Like so, there are those in support of the lower rates for example, the Fed and the consumers. For the past four years, since the 2008 financial crisis, the Federal Reserve Board had been trying to bounce back the US economy. The short term interest rates are extremely low and by purchasing more bonds they are reducing long-term rates. In all this has lowered the Ten-year U. S Treasury yields to 1. 43%, the lowest since World War II. (Fitzpatrick) The Feds see this as a positive because they believe the low rates increase the economic growth along with employment. They support their belief by stating that the low rates make it easier and cheaper for companies and individuals to borrow money. These low rates developed, in part due to the Fed, have sprung a rush in the mortgage refinancing industry. The growth in mortgage refinancing has assisted fee revenue at two major companies, J. P. Morgan Chase Co. and Wells Fargo Co. , which control nearly half of the mortgage market. Wells Fargo decided to keep nearly $10 billion of residential mortgages, which they would normally sell to investors just in search of more yield. Fitzpatrick speaks of a woman in N. Y. , Katherine Karl, which was able to refinance her house at 2. 875%, who expresses that her desire to refinance was because of the istoric low of interest rates. Many others like Karl have also taken opportunities to refinance their homes. Although those companies have survived, and Karl lowered her rate by 2. 5 percentage points, not all are seeing such positive effects. In an article by Robin Sidel of the Wall Street Journal, â€Å"Regional Bank Lands Big-City Deal†, we can see the downside of these low intere st rates. (Sidel) Hudson City, a mortgage lender based in Parmus, N. J. , has 135 branches, and has assets of $43. 6 billion, decided to sell itself to MT Bank Corp. , which is a regional bank. Hudson City’s loan portfolio was largely focused in mortgages, due to the drop in interest rates and the refinancing, the value of the portfolio dropped along with the interest rates. Once Hudson City had started to see a devalue of their portfolio, they had considered transforming themselves into a commercial lender. However, after much thought the Chief Executive Ronald Hermance decided this would take too long and increase their staff tremendously. (Sidel)This then led to the selling of Hudson City to MT Bank Corp. If interest rates continue to remain low we can expect to see more mergers and smaller banks selling out. In Chapter 5 of the book, there is an application called â€Å"Explaining Low Japanese Interest Rates†, which can help better understand the negative effect of low interest rates. In the 1990s and early 2000s, Japanese interest rates became the lowest in the world, in November of 1998, the interest rate on Japanese six-month Treasury bills actually turned negative. In correlation with the extremely low interest rates was a prolonged recession, which was followed with deflation. As we learned in the book, the negative inflation causes an increase in the demand for bonds, because of the decrease in expected return on real assets. This in turn caused the demand curve to shift to the right. The negative inflation also raised the real interest rate, thereby causing the supply of bonds to adjust, moving the supply curve to the left. In the end this led to an increase in the bond price and a decrease of interest rates. In the book it explains to us that the interest rate is negatively related to the bond price. In other words, when the equilibrium bond price rises, the equilibrium interest rate falls and vise-versa. There are other factors which led to the down fall of interest rates in the Japanese market. For example, the lack of profitable investments opportunities in Japan, and the business cycle contraction and the decrease of wealth during the business cycle contractions. These all would lead to the increase in bond price and the decrease of interest rates. This application shows us that low interest rates are not a good thing. In Japan’s case, the low and negative interest rates were a sign that their economy was in trouble with falling prices and a contracting economy. The interest will only rise back to normal levels when their economy returns back to a better economy. Fitzpatrick goes on to explain that because of the low interest rates banks will have to consider new ways to make money like Hudson City considered, by offering other services. However, higher cost of those banking services could lead to losing customers in the financial world which would then in return have a negative effect. He predicts that â€Å"Over time, subdues bank profits are likely to accelerate a shakeout that has halved the number of insured institutions over the past two decades†. (Fitzpatrick) He states this will happen by the pressure for smaller banks to take advantage of new technologies. The banks are suffering from the low interest rates in more ways than one. The low interest rates affect the bank’s benefit of holding depositors’ cash at the low rates. The problem with this is that many banks are stuck with a large increase in money to invest during which returns on securities are decreased. These deposit rates are at their lowest since the 50’s. (Fitzpatrick) Another way banks are suffering is due to the fact that they bet on higher-yielding mortgage bonds before rates fall. To counteract their losses banks are increasing loan prices. They are doing this in hopes of regaining their losses from the low interest rates, or refinancing of mortgages. In conclusion, although the low interest rates show a profit for some, the long term effect of low interest rates is bad for us. The low interest rates are a sign that are economy is in trouble, opposite of what the Fed is trying, just as in Japan. For our economy to return to a healthy economy, the interest rates will need to return to a normal level. Many banks will be forced to merger or sell out. Other banks will be forced to create new services. There will be an increased cost in the banking system, by increasing loan prices. The financial crisis and the Fed attempt to strengthen the economy have proven to be the derivative of the low interest rates which is driving the banking system, and mortgage lenders into chaos. Fitzpatrick describes it perfectly by quoting Mr. Lied saying Many smaller banks will â€Å"throw in the towel† and sell, as Hudson City did, if low rates persist, Mr. Lied said. â€Å"There are no magic bullets and there is no easy answer. † Works Cited Fitzpatrick, Dan. â€Å"Low Rates Pummel Banks. † Wall Street Journal 23 October 2012: A1. Sidel, Robin. â€Å"Regional Bank Lands Big-City Deal. † Wall Street Journal 28 August 2012: C1. How to cite Low Interest Rate Long Term Effect, Essay examples