Saturday, May 23, 2020
Homelessness And The Learning Disabled Student Relationships - Free Essay Example
Sample details Pages: 8 Words: 2420 Downloads: 2 Date added: 2019/03/26 Category Society Essay Level High school Tags: Homelessness Essay Did you like this example? The Relationship between Homelessness and the Learning Disabled Student When we think of homelessness we typically never consider the children that are involved. We see these people in our communities daily. They are often displaced for a variety of reasons. Some have mental illnesses and cannot take care of themselves and others are there for temporary monetary reasons. But what about the children? They are the small victims of something that is out of their control. More than 1.6 million U.S. children are homeless each year and about 40 % of children residing in shelters are under the age of 7 years (National Center on Family Homelessness 2011), (Haskett, M., Armstrong, J., Tisdale, J., 2016). Federal law defines children and youth who are homeless as individuals who lack a fixed, regular, and adequate nighttime residence (McKinney-Vento Act, 2009). Could they overcome their mental, behavioral and emotional obstacles if they had a more structured lifestyle? Donââ¬â¢t waste time! Our writers will create an original "Homelessness And The Learning Disabled Student Relationships" essay for you Create order Poor child health is associated with the timing of homelessness across three specific critical developmental time periods: prenatal only, postnatal only, or both prenatal and postnatal versus never homeless. The hypothesis is that homelessness during any time period would be associated with poor child health outcomes, and those with both prenatal and postnatal homelessness would have the greatest adjusted odds of poor child health compared with those who were never homeless, those with prenatal homelessness only, or those with postnatal homelessness only. (Sandel, M., Sheward, R., Ettinger de Cuba, S., Coleman, S., Heeren, T., Black, M., Casey, P.H., Colton, M., Cook, J., Belker Cutts, D., Jacobs, R.R., Frank, D.A., 2018). Schooling, however, may ameliorate some of the negative consequences of homelessness, and special education programs with more individualized teaching may be particularly beneficial. (Zima, B. T., Bussing, R., Forness, S. R., Benjamin, B. 1997). Youngsters who are homeless are twice as likely to have a learning disability and three times more likely to manifest emotional problems than their classmates who are not homeless. (Gargiulo, R.M., 2006). While we do not have all of the answers, there has been some research done that gives the reader a better sense of knowledge on how children who have learning disabilities may not have such disabilities if their quality of life was better. The research also demonstrates the effects of homelessness and how it effects the learning disabled student. Inadequate transportation may be a barrier in certain geographic areas because families may need to access services that are in more than one physical location, especially in the hypothetical case of a child with physical health needs, behavioral health needs, and educational support needs. (Lynch, S., 2018). When children start to feel the effects of homelessness their self-esteem tends to dwindle. They often feel useless and become depressed. Addressing risk for mental health problems in homeless children requires insights of child development, psychiatry, mental health services, and social and economic development. (Marcal, K.E., 2017). A number of studies suggest that children experiencing homelessness tend to be characterized by low intellectual functioning, developmental delays, and poor school performance. (Haskett, et.al, 2016). More often than not, the student will have to change schools and they could possibly lose what they have gained in retention and comprehension. Research indicates that students who change schools due to unplanned residential mobility, such as that associated with homelessness, score lower on standardized tests and have lower overall academic achievement (Kerbow, 1996; Lash Kirkpatrick, 1990); Mantzicopoulos Kautson, 2000); (Melman Heinlein, Shinn, 2000); (Rumberger Larson, 1998); (Julianelle, P. F., Foscarinis, M.,2003). The children are often misunderstood due to the delay in school records being sent to the newest school. Determination of eligibility for special education, the first step to accessing programs, may be especially problematic for homeless children because of their transiency and lengthy Individualized Education Program timelines for evaluation and placement. (Zima, B. T., Bussing, R., Forness, S. R., Benjamin, B. (1997). In December 2001, Congress reauthorized the McKinney-Vento Act, as part of the No Child Left behind Act. Educators and advocates from across the country, including NLCHP, were directly involved in the reauthorization. In fact, virtually all of the changes in the reauthorization were based on model practices in schools and school districts. Educators, advocates, attorneys, and policymakers united behind these successful practices, working to ensure they would be incorporated into the law for the benefit of schools and students across the country. (Julianelle, P. F., Foscarinis, M., 2003). The McKinney Act did not establish separate educational program for homeless children, rather it reinforced their right to participate in existing public school programs. (Gargiulo, R.M, 2006). Most of the other changes in the reauthorization of the McKinney-Vento Act were designed to limit the negative effects of school mobility on children and youth experiencing homelessness. They strengthened and clarified the Acts historic emphasis on educational stability, access, and success. (Julianelle, 2002). Past federal initiatives tailored to address the complex needs of IDEA eligible students suggests that the federal government is equipped with the legislative tools to respond to the plight of homeless students meaningfully. (Abdul Rahman, M., Turner Jr., J. F., Elbedour, S., 2017). The following are some of the key elements of the reauthorization. (Julianelle, P.F., Foscarinis, M., 2003). The McKinney-Vento Act requires school districts to allow students in homeless situations to remain in their schools of origin for the entire time they are homeless, regardless of their residential mobility. The McKinney-Vento Act requires schools to enroll homeless students immediately, even if they lack documents typically required for enrollment. This provision enables unaccompanied youth to enroll in school without a legal guardian. The key provision ensuring educational success is a new requirement that every school district designate a McKinney-Vento liaison to work with children and youth experiencing homelessness. (Julianelle, P.F., Foscarinis, M., 2003). Effective programs that serve youngsters who are homeless and disabled typically address not only the childs educational needs but also their physical and emotional needs as well. (Gargiulo, R.M., 2006). Where the McKinney-Vento Act is being implemented, children and youth are reaping immense rewards. School provides the obvious benefits of intellectual, emotional, and social stimulation, and academic achievement. By offering educational stability and access, the McKinney-Vento Act helps children and youth experiencing homelessness realize these benefits. Yet, even beyond these school-based opportunities, the Acts education provisions are also a critical element in ending the root cause of the students mobility: homelessness. (Julianelle, P.F., Foscarinis, M., 2003). Bronfenbrenners ecobiodevelopmental framework elucidates the physiological mechanisms namely, stress reactions by which adverse household conditions negatively impact child development and mental health. (Marcal, K.E., 2017). Few studies, however, have described the level of need for special education services among homeless children, the first step toward designing interventions that may improve access to special education programs. (Zima, B. T., Forness, S. R., Bussing, R., Benjamin, B. 1998). Almost one half of sheltered homeless children have been found to have acute and chronic health problems, including elevated blood lead levels, placing them at additional risk for learning problems (Alperstein, Rappaport, Flanigan, 1988; Miller Lin, 1988). Frequent school changes and poor attendance may make it impossible to differentiate an adjustment reaction from signs of an emerging behavioral or learning problem. (Zima, et., al. 1998). Children who are homeless are a heterogeneous group; therefore, it is difficult to anticipate every need or situation that may arise within the educational environment. (Yamaguchi, B. J., Strawser, S. 1997). In Los Angeles, almost one half of sheltered homeless children (46%) screened positive for at least one disability requiring special education services, with BD being the most prominent (30%). (Zima, et. al.1998). Less than two percent of the states demonstrated adequate services for promoting the physical and mental health well-being of children and less than 30% met minimum standards for advancing the educational well-being for children in their systems. (Rouse, H., Fantuzzo, J., LeBoeuf, W., 2011). Children experiencing homelessness often had high rates of grade retention and school mobility and lower than average grades or test scores. (Masten, A.S., Fiat, A.E., Labella, M.H., Strack, R.A., 2015). The average homeless school-aged child experiences a number of emotional challenges. (R.A.Hall, 2007). High levels of psychiatric disorders such as anxiety, depression, posttraumatic stress disorder (PTSD), substance abuse, and psychosis have been identified in populations of homeless youth (Kamieniecki, 2001). Family situations such as displacement of mother and fathers can also be traumatic for these children. The unbalanced lifestyle of the homeless youth can often lead to more dire circumstances as they get older. The students are not functioning as the typical student their age does and that too can lead to exacerbate the emotional unwellness of the child and impede their learning capability. Some caregivers accept a wide range of behaviors as normal, and might not consider a particular clinical threshold as necessarily worthy of intervention, because other more pressing need for food, shelter, or work may take precedence. (Lynch, S., 2018). The self-esteem of children who are h omeless must be considered in the design of educational programs within the school environment. Findings indicate that homelessness occurring during the first 2 years of life is worse for academic outcomes and school attendance, compared to homelessness first occurring after children are 2 years of age (Perlman and Fantuzzo 2010). Children who are homeless may feel alienated from schoolmates. (Yamaguchi, B. J., Strawser, S. 1997). Homeless children have significantly higher rates of psychiatric symptom and disorders, predominantly anxiety and mood disorders. (Yu, M., North, C.S., LaVesser, P.D., Osborne, V.A. Spitznagel, E.L. 2008). Check in/check-out (CICO) often is used as a targeted intervention for youth who display problematic behavior at school and might benefit from receiving additional attention and opportunities for positive reinforcement (Hulac, Terrell, Vining, Bernstein, 2011). Early intervention partnerships between educators, social service providers, homeless shelter services, and other public health providers create a capacity for better access and better coordination of services for children experiencing multiple risks to their educational success. (Rouse, H., Fantuzzo, J.W., 2009). However, the lack of knowledge about service availability along with confusion with navigating the healthcare system may prevent homeless youth from seeking services. (Sulkowski, M., Michael, K., 2014). Other factors can include the embarrassment from lack of adequate clothing and personal hygiene needs. Children who do not have the means to take care of their own personal hygiene needs often develop mental health problems. Since personal care is such a basic need, the students often become withdrawn and develop emotional problems. With consent from a custodial guardian or a recognized caregiver, a school psychologist or counselor can identify homeless students who have elevated levels of anxiety and recruit them in a therapy group that follows an evidence-based cognitivebehavioral therapy (CBT) treatment protocol. (Sulkowski, M., Michael, K., 2014). Interventions to address mental health problems in the schools often involve proving individual counseling of therapy. Because of the w ide range of psychiatric and mental health problems that homeless youth display, a large percentage of these youth likely could benefit from receiving indicated intervention services. (Sulkowski, M., Michael, K., 2014). Educators must also be prepared to translate their assessment results into immediate instructional goals and objectives due to students poor attendance. (Yamaguchi, B. J., Strawser, S. 1997). There is also a cultural and racial disadvantage to homelessness. In one study of the United States, the population of homeless families is different from the population of homeless individuals. Fewer than half (45.4%) of the overall homeless sheltered individuals in the United States are White and not Hispanic, whereas the largest proportion of homeless sheltered families is African American (47.9%). (Lynch, S.,2018). The largest population are the black families. They are 55.9 percent of the shelter population. (Jones, David, R., 2015). Children from economically disadvantaged and minority families consistently perform below their non-poor, non-minority peers in both reading and mathematics. (Rouse, H., Fantuzzo, J.W., 2009). There are other risks the children face associated with homelessness that may impede their overall cognitive skills. Some of the risks include crime and the mal-treatment of the child because the family is in dire circumstances. For young children living in vu lnerable environments, multiple biological and social risk factors interact bi-directionally with the development of early academic and behavioral skills. (Jaffee, S., Caspi, A., Moffitt, T., Dodge, K., Rutter, M., Taylor, A. 2005), (Tremblay, R.E., Nagin, D.S., Seguin, J.R., Zoccolillo, M., Zelago, P.D., Boivin, M., 2004), (Rouse, H., Fantuzzo, J.W., 2009). The parents of the homeless childs mental state can also factor in how a child gains perspective. If the homeless child has a cognitively impaired parent, the results for the child gaining access to academics can be little to none. Lower educational level of mothers is associated with disruptive behavior disorders in their children. (Yu, M., et.al, 2008). There are also higher rates of psychiatric disorders (especially substance use disorders and PTSD) among homeless than domiciled mothers. (Yu, M.et, al., 2008). Family issues, such as family violence, parental alcohol or other drug use, and parental mental health, also may play a role in causing and prolonging homelessness and, in their interplay, compound poor outcomes for children and families. (Moore, T., McArthur M. Nobel-Carr, D., 2011). The newest research models are constantly striving to find the best practices for children who are homeless. The students who have learning disabilities are at the most disadvantaged but there are steps that the educators and administrators are taking to ensure that every child succeeds. Contemporary research has attempted to isolate the effects of homelessness on education, with mixed results. (Tobin, K.J., 2016). New research linking stress to learning difficulties is relevant because the homeless experience is often correlated with great stress. (Tobin, K.J., 2016). While stress can certainly cause a host of problems for individuals, being homeless without knowledge of where you may sleep that night would be one of the toughest problems facing someone. Academics can often be the last thing on a childs mind when they have no idea where their basic needs such as food is coming from. With all of the necessary luxuries life can be touch to manage, it can be tougher if you feel as if y ou have to fight, prostitute, or haggle someone for a meal or a place to rest. Homeless children are the most vulnerable people. They often face crime, addictions, poverty and feel as if they have little if any chance of survival. Schools need the resources to be able to instill into children the means to get themselves off the streets and integrated into society as productive members. But for some school, the resources to help the disabled homeless child may be too great a feat unless more laws are enacted.
Tuesday, May 12, 2020
Income Inequality And Educational Achievement Essay
ââ¬Å"Income inequality: How NZ is one of the worst in the worldâ⬠(Fyers Kirk 2015) ââ¬Å"Income inequality stunts NZ growth ââ¬â OECDâ⬠(Fallow, 2014) Income inequality, we hear about it on the news and read about it in the papers but what does this mean for New Zealand. ââ¬Å"Income inequality refers to the extent to which income is distributed in an uneven manner among a populationâ⬠(Institute for Policy Studies, 2016). Since the 1980ââ¬â¢s New Zealand gap between the rich and poor that has been increasing faster than anywhere else in the world (Rashbrooke, 2013). How is this affecting the future of our country through our next generations, our children? Income inequality affects educational achievement for children while they are involved in early childhood education and school education. I am going to be focusing on how income inequality affects educational achievement however I cannot fully focus on income inequality without looking at poverty. I will be developing an argument about how income inequality affect educational achievement overall in New Zealand. I will bring facts and statistics to support my argument. I will suggest way to improve to income inequality so that children can increase educational achievement. New Zealand is a part of The Organization for Economic Cooperation and Development (OECD) which is a unique forum where the governments of 34 democracies who have market economies work together (United States Mission, 2016). Brian Easton (2015) has put out a graph ofShow MoreRelatedThe Societal Influences on the Educational Impact of Students731 Words à |à 3 Pagesinfluences on the educational impact of students are numerous. Two of the most important are income inequality and technology Income inequality and the effects on education have been at the heart of a contentious debate. 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It is an absolute necessity for economic and socialRead MoreThe Issue Of Teacher Quality1322 Words à |à 6 Pagesthat are filled with low-income colored students across the country are far more likely to have inexperienced teachers, bad grades, very little opportunities for economic funding and racial segregation compared to schools in wealthier areas. The issue of teacher quality is considered significant to growing efforts to understand and decrease gaps in achievement between students of color and students that are white. Students of color in schools with high population of low-income are more likely to haveRead MoreTh e Effect Of Educational Inequality1332 Words à |à 6 PagesThe Effects of Educational Inequality Introduction Education is an institution that was originally put in place to allow individuals the equal opportunity to achieve their dreams. 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Because U.S. employers prefer individuals to be educated on increasingly higher levels in order to secure employment and competitive wages, those with high achievement will be trained for the most important jobs and in reward, be given the highest incomes, while those who achieveRead More Achievement Gap Essay1447 Words à |à 6 PagesThe achievement gap is defined as the disparity between the performance groups of students, especially groups defined by gender, race/ethnicity, ability and socio-economic status. The achievement gap can be observed through a variety of measures including standardized test scores, grade point averages, drop out rates, college enrollment and completion rates. The Black-White achievement gap is a critical issue in modern societyââ¬â¢s education system. Although data surrounding the issue clearly indicatesRead MoreRace And Education : Education1442 Words à |à 6 PagesThe ESEA authorizes grants for elementary and secondary school programs for children of low-income families (mostly minorities) school library resources, textbooks and other materials needed for instruction. (Leon-Guerrero, 2014) Education reform scholars argue that racial segregation, fundi ng, inequity and educational inequality go hand in hand. In the 1990s courts began to examine whether the achievement gap between minoritiesââ¬â¢ and whites was a vestige also known as the former segregated school
Wednesday, May 6, 2020
Investment Patterns in India Free Essays
Changing Trend of Investment Pattern in India and Emergence of Mutual Fund Industry ABSTRACT: This project is about how the Investorââ¬â¢s Behavior is changing and they are now leaving behind the sacred investment options like the fixed deposits, company deposits, gold etc. Investors are now looking towards equity linked investment options. Like most developed and developing countries the mutual fund cult has been catching on in India. We will write a custom essay sample on Investment Patterns in India or any similar topic only for you Order Now There are various reasons for this. Mutual Fund makes it easy and less costly for investors to satisfy their need for capital growth, income preservation. And in addition to this a mutual fund brings the benefit of diversification and money management to the individual investor, providing an opportunity for financial success that was once available only to a select few. In this project I have given a brief about economy, inflation, and equity and debt market. Then it is explained how to cope with the inflation and how mutual fund is one of the best investment options today. A brief about mutual fund industry and the some information about HDFC Mutual Fund and its various products are given INTRODUCTION: Many individuals find investments to be fascinating because they can participate in the decision making process and see the results of their choices. Not all investments will be profitable, as investor wills not always make the correct investment decisions over the period of years; however, you should earn a positive return on a diversified portfolio. In addition, there is a thrill from the major success, along with the agony associated with the stock that dramatically rose after you sold or did not buy. Both the big fish you catch and the fish that get away can make wonderful stories. Investing is not a game but a serious subject that can have a major impact on investorââ¬â¢s future well being. Virtually everyone makes investments. Even if the individual does not select specific assets such as stock, investments are still made through participation in pension plan, and employee saving programme or through purchase of life insurance or a home. Each of this investment has common characteristics such as potential return and the risk you must bear. The future is uncertain, and you must determine how much risk you are willing to bear since higher return is associated with accepting more risk. In 1986, Microsoft Corporation first offered its stock to the public. Nine years later, the stockââ¬â¢s value had increased over 5,000 percent- a $ 10,000 investment was worth over $ 5,00,000 in the same year, worlds of wonder also offered its stocks to the public. Nine years later the company was defunct- a $ 10,000 was worth nothing. These are two examples of emerging firms that could do exceedingly well or fail. Would investing in large, well establish firms generate more consistent returns? The answer depends, of course, on which firms were invested in. Over the years some investments have generated extraordinary gains, while others have produced only mediocre returns, and still others have resulted in substantial losses. The individual should start by specifying investment goals. Once these goals are established, the individual should be aware of the mechanics of investing and the environment in which investment decisions are made. These include the process by which securities are issued and subsequently bought and sold, the regulations and tax laws that have been enacted by various levels of government, and the sources of information concerning investment that are available to the individual. An understanding if this financial background leads to three important general financial concepts that apply to investing. Toady the field of investment is even more dynamic than it was only a decade ago. World event rapidly-events that alter the values of specific assets the individual has so many assets to choose from, and the amount of information available to the investors is staggering and continually growing. Furthermore, inflation has served to increased awareness of the importance of financial planning and wise investing. In this project I will first talk about economy, inflation, equity markets and debt markets to understand investments behavior. INFLATION: Inflation is a situation where there is ââ¬Ë too much money chasing too few goodsââ¬â¢. In such times buyers bid up prices of scarce products/services The scarcity could be caused by supply issues or a faster than expected rise in demand. Irrespective of what causes inflation, the impact is the same. The value of the currency you are holding declines. Letââ¬â¢s explain this with the help of an example. Suppose the Indian Rupee was freely exchangeable with only one commodity- crude oil. Letââ¬â¢s assume the conversion rate is Re 1= 1 barrel of crude (wish it were true! ). Now there is tension in the Gulf region resulting in reduced supply. Due to the subsequent rise in price of crude oil in international markets, we would now have to pay more Rupees for every barrel of oil. Suppose crude prices rise by 10%. The new exchange rate will be Rs. 1. 1 = 1 barrel of declined from 1 barrel of crude per Rupee to only 0. 91 barrel of crude per Rupee this is the erosion in the value of the currency that we are talking about. Also note that while the Indian Rupee may be appreciating vis-a-vis other currencies, in the ââ¬Ë real senseââ¬â¢ there is erosion in value. Another important fallout one can expect due to rising inflation is higher interest rates. The central banks aim to reduce demand in the economy by rising the cost of money. When making fresh investments or evaluating your existing holdings in potentially inflationary times you need to keep two things in mind: The possibility of higher interest rates The erosion in the value of the currency CONCEPT OF MUTUAL FUND: A mutual fund is a pool of money, collected from investors, and is invested according to certain investment objectives. A mutual fund is created when investors put their money tighter. It is therefore a pool of the investorââ¬â¢s funds The most important characteristic of a mutual fund is that the contributors and the beneficiaries of the fund are the same class of people, namely the investors. The term mutual means that investors contribute to the pool, and also benefit from the pool. There are no other claimants to the funds. The pool of fund mutually by investors is the mutual fund. A mutual fundââ¬â¢s business is to invest the funds thus collected, according to the wishes of the investors who created the pool. In many markets these wishes are articulated asà à ââ¬Å"investment mandatesâ⬠. Usually, the investors appoint professional investment managers, to manage their ââ¬Å"productâ⬠, and offer it for investment to the investor. This product represents a share in the pool, and pre-states investment objectives. For example, a mutual fund, which sells a â⬠money market mutual fund ââ¬Å", is actually seeking investors willing to invest in a pool that would invest predominantly in money market instruments. IMPORTANT CHARACTERSTICS: A Mutual fund belongs to the investors who have pooled their funds. The ownership of the mutual fund in the hands of the investors Investment professional and other service providers, who earn a fee for their services, from the fund, manage the mutual fund. The pool of funds is invested in a portfolio of marketable investments. The value of the portfolio is updated every day. The investorââ¬â¢s share in the fund is denominated by ââ¬Å"unitsâ⬠. The value of the units changes with change in the portfolioââ¬â¢s value, every day. The value of one unit of investors is called as the Net Asset Value or NAV. The investment portfolio of the mutual fund is created according to the stated investment objectives of the fund. PHASES IN THE HISTORY OF MUTUAL FUND: The history of mutual fund in India can be divided into 5 important phases: A 1963-1987: The Unit Trust of India was the sole player in the industry. Created by an Act of Parliament in 1963, UTI launched its first product, the unit scheme 1964, which is even today the single largest mutual fund scheme. UTI created a number products such as monthly income plans, childrenââ¬â¢s plans, equity-Oriented schemes and offshore funds during this period. UTI managed assets of Rs 6700 crore at the end of this phase. B 1987-1993: In 1987 public sector banks and financial institutions entered the mutual fund industry. SBI mutual fund was the first non-UTI fund to be set up in 1987. Significant shift of investors from deposits to mutual fund industry happened during this period. Most funds were growth oriented closed ended funds. By the end of this period, assets under UTIââ¬â¢s management grew to Rs 38247 crore and public sector funds managed Rs 8750 crore. C 1993-1996: In 1993, the mutual fund industry was open to private sector players, both Indian and foreign. SEBIââ¬â¢s first set of regulations for the industry was formulated in 1993 and, substantially revised in 1996. Significant innovations in servicing, product design and information disclosure happened in the phase, mostly initiated by private sector players. D 1996-1999: The implementation of the new SEBI regulation and the restructuring of the mutual fund industry led to rapid asset growth. Bank mutual fund was re-cast according to the SEBI recommended structure, and UTI came under voluntary SEBI supervision. E 1999-2003: very rapid growth in the industry and significant increase in market shares of private sector player marked this phase. Assets crossed Rs. 100,0000 crore. The tax break offered to mutual funds in 1999 created arbitrage opportunities for a number of institutional players. Bond funds and liquid funds registered the highest growth in this period, accounting for nearly 60% of the assets. UTIââ¬â¢s share of the industry dropped below 50%. 2. 3 ADVANTAGES OF MUTUAL FUND: The following are the important advantages of mutual funds to investors: Portfolio diversification Professional management Reduction in risk Reduction of transaction costs Liquidity Convenience and flexibility DISADVANTAGES OF MUTUAL FUND, The following are important disadvantages of investing through mutual fund: No control over costs: Since investors do not directly monitor the fundââ¬â¢s operations they cannot control the costs effectively. Regulators therefore usually limit the expenses of mutual funds. No tailor- made portfolio: Mutual fund portfolio is created and marketed by AMCs, into which investors invest. They cannot create tailor made portfolios. Managing a portfolio of funds: As the number of mutual funds increase, in order to tailor a portfolio for himself, an investors may be holding a portfolio of funds, with the costs Of monitoring them and using them, being incurred by him. NEED FOR INVESTMENT: Increasing household expense. Creation of wealth Increasing cost of living. Financial needs according to life stages. Regular income Combination of all above INVESTMENT OPTION AVAILABLE: Physical and Financial assets. Equity and Debt Govt. securities and non-govt. securities Other option Public provident fund RBI Relief Fund. Mutual Fund Others like Indira Vikas Patra, Kisan Vikas Patra CP FD, and Debenture. à |FDs |FI BONDS |Mutual Fund | |Accessibility |Low |Low |Low | |Tenor |Fixed (medium) |Fixed (Long) |No lock in period | |Tax Benefit |Noneà à à à à à à à à à à à à à à à à à à à à à à à à à à à à à à à à à à |Under section 80C |None | |Liquidity |Low |Very Low |none | |Convince |Medium |Tedious |Very high | |Transparency |None |None |Very high | CONCLUSION: The unique investment strategy of letting the maturity of the debt investment run down with time and targeting equity investments to capture dividends is targeted to deliver positive returns over medium time frame. The investment strategy of the fixed income portfolio is designed to remove the impact of interest rate movements over the medium term. The strategy of targeting dividends in equities over a period is expected to improve the yield of the fund. The above investment strategy expects to minimize capital loss in adverse market condition and deliver moderate returns in stable/positive market conditions. So, if you are looking for an investment product that offers you low risk of capital loss and the potential to earn reasonable returns in the uncertain environment of today, HDFC Multiple Yield Fund might be the right fund for you. How to cite Investment Patterns in India, Papers
Friday, May 1, 2020
Hobbit (200 words) Essay Example For Students
Hobbit (200 words) Essay HobbitThe main conflict in this novel is ultimately the acquisition of the losttreasure of the dwarves hoarded by Smaug (the great dragon under the mountain). This treasure actually has great physical and sentimental value. The dwarves towhich most of this horde belonged to loved gold and all fine physical thingssuch as jewels and precious metals, but they also were very emotionally attachedto this cache once kept by Thrain the great king under the mountain. It seemsthat as the author of the novel Tolkien is attempting to reveal that the dwarvesare very fond of this treasure but also feel almost a since of need for thisgreat legendary horde. As a whole the conflict is developed over a time periodof a year or so. The main way that it is developed is by the ingenious use ofsmall side quests and troubles dotted until the final conflict is over. In thisnovel Tolkien uses many smaller conflicts to add to the already heaping portionsof adventure and intrigue contained within the covers. Some are very thrillingsuch as the time all of the dwarves and the hobbit are captured and taken downto the goblins lair, or the time Bilbo comes in contact with that strangecreature Gollum.
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