The Basic Facts of Form 5 Essay Writing

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Who Else Wants to Learn About Companies That Writing Research Papers?

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15 Facts About the Battle of the Alamo

Essay Writing Power Topics

<h1>Essay Writing Power Topics</h1><p>Argumentative expositions are one of the most impressive subjects for paper journalists. When composing, they are compelling in presenting individuals to new thoughts and perspectives.</p><p></p><p>The different force points in paper composing will be examined in this article. Every one of them is deserving of a conversation. On the off chance that you are searching for extraordinary approaches to encourage yourself paper composing or to realize how to compose all the more adequately, you will need to peruse this article.</p><p></p><p>Among the contentious exposition power themes, the subject of people is likely the most every now and again utilized. People can be creatures, plants, or lifeless things. That implies that in the event that you use people, you have to incorporate a proof supporting your cases. People likewise have numerous qualities that you will need to include.</ p><p></p><p>Some individuals accept that life has its own laws, like those which oversee all other living things. They state that if a blossom bloom, it emits an aroma or a vibration, despite the fact that nobody can see that sprout. They additionally state that if the leaves of a tree begin evolving shading, it means that there is something unique about the plant. Along these lines, there is something extraordinary about humans.</p><p></p><p>Another factious article theme is God. The individuals who believe that God made the world make their contentions. A large number individuals accept that there is no God, or possibly not the one they were educated about in school. They guarantee that God didn't make the world and consequently, it didn't exist at the time.</p><p></p><p>It is regularly said that there is nothing of the sort as a free lunch, or a contentious exposition with no proof. A free lunch is a case of a p ugnacious paper with no proof. All things considered, the essayist can feel free to introduce contentions that help their supposition. One approach to do this is to make the contentions as persuading as conceivable without parting with the ending.</p><p></p><p>One of the factious article power themes is environmental change. Numerous individuals today accept that man rolled out this improvement and that it will effectsly affect the world. This subject can be remembered for the composition of a pugnacious article, however many will utilize the presence of scriptural times.</p><p></p><p>The logical strategy is likewise helpful for this situation. A researcher will take tests from an area and dissect them. The individual in question will likewise find a way to concoct an end dependent on what they find.</p>

Writing Opinion Essay Topics

<h1>Writing Opinion Essay Topics</h1><p>You can compose an assessment exposition about a specific theme. It is commonly realized that conclusions will help you in making a decent contention that will be valuable to the peruser and furthermore empower you to give the correct data. At the point when you are composing a conclusion piece, you have to remember a few things that will help you recorded as a hard copy a viable supposition paper. In this article, you will discover the best subjects to compose a conclusion exposition about.</p><p></p><p>There are a few themes that you can look over when you are composing a supposition paper. A portion of the subjects that are mainstream nowadays are the marriage, the profession, the demise of somebody, religion, wrongdoing, the web, the a worldwide temperature alteration, the administration, world occasions, and some more. These themes can be assembled by the crowd that will be intrigued to peruse the essay.</p><p></p><p>Once you have chosen the point that you might want to compose a sentiment exposition about, at that point the time has come to look into the subject. When you do the exploration, you will realize what the best sentiment article subjects are that will assist you with making a decent contention that is worth reading.</p><p></p><p>You can likewise search for the sort of the theme you will compose a conclusion exposition about. The greater part of the occasions, it is beyond the realm of imagination to expect to recognize the kind of the point since it relies upon the crowd that will be intrigued to peruse the essay.</p><p></p><p>If you are the author and you will compose a supposition paper about something fascinating, at that point you will have the option to pick the correct subject that will guarantee you to get the correct reaction from the perusers. You ought to likewise remember that what the peruser likes isn't just significant however it is additionally critical to think about the topic of the paper and pick the correct subject that will consider the theme.</p><p></p><p>If you will compose a sentiment article about something that has got individuals' view, at that point you should think about the author's view. For instance, in the event that you are composing an assessment piece about the demise of an individual, at that point you should consider the perspectives on the essayist who has simply kicked the bucket. Here and there, on the off chance that you will compose a conclusion piece about something fascinating and the author of the exposition bites the dust over the span of the article, at that point the topic is changed and the subject becomes about something negative.</p><p></p><p>Once you have picked the theme for composing a supposition paper, at that point you can feel free to begin composing the paper. Be th at as it may, it is constantly fitting to test your article before distributing it as an essay.</p>

Fall Of The Lehman Brothers And Bean Stearns - Free Essay Example

Sample details Pages: 19 Words: 5746 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Essay any type Did you like this example? The fall of Lehman Brothers and Bean Stearns triggered the financial crisis from 2007 to 2008. In the case of Lehman Brothers, which was one of the largest investment banks with old history in United States, illustrated the importance of appropriate internal risk management with control. Self-interview threat occurred and was leading to the bankruptcy. Don’t waste time! Our writers will create an original "Fall Of The Lehman Brothers And Bean Stearns" essay for you Create order In the event of lacking enough bank reserve for withdrawal, Bank of East Asia (BEA) chose to enter mass of capital and welcome the public to take freely from the account balance. It would like to increase the stakeholder confidence and is finally success and solve the problem. It is s obvious that risk management plays an important role in the financial institutions. Risk management is the management of identification, assessment and prioritization of risks to assess the effectiveness and efficiency of the internal control system and reduce the impact of unexpected events. (ISO 31000, 2009) Without proper risk management, banks are difficult to operate with financial difficulties and survive during the financial crisis. An effective risk management also improves Corporate Governance procedures that help to increase investor confidence, transparency and accountability that helps institutions operate efficiently. If any error or missing occurs in the process of risk management, it caus es a failure of corporate governance and may result in operating difficulty. In United Kingdom (UK), the Financial Services Authority (FSA) provides framework of risk management (Arrow), risk assessment framework and financial risk outlook (FRO) for financial institutions to understand the major risks. In addition, Turnbull provides a guidance of good internal control with implication of UK corporate governance code that focuses on the quality and extent of risk management disclosures in an organization and thus reduces the impacts. Combined Code (1998) requires the board of director (BoD) to maintain a good internal control system that includes risk management that safeguarding the tangible and intangible asset and ensure the effectiveness of system. In United States (US), the Sarbanes-Oxley Act (SOX) 2002 requires that both management and auditor to maintain a sound internal control system. Section 302 requires management to certify the periodic financial reports and disclos e significant internal control deficiencies and section 404 requires management to provide assessment of the internal control and auditors to provide opinion on that assessment. And the generally accepted accounting principles (GAAP) set accounting rules that corporations need to follow, i.e. they need to prepare, present and report the financial statements. In Hong Kong, the international banking regulation Basel III is applicable to banks. And HKMA regulates the economic stability in banking industry. Many large banks, like the Hong Kong and Shanghai Banking Corporation Limited (HSBC), also implement the SOX act, New York Stock Exchange (NYSE) corporate governance rules and USA PATRIOT act of the other countries in the Hong Kong. Internal control plays an important role in enterprise risk management (COSO, 2004 Pagano, 2001) Woods (2008) states the relationship between an effective and efficiently internal control linking with enterprise risk management (ERM). It also claim s that management-based internal control includes conflicts of interest for internal auditors, is extremely risky for the financial institution. Harker and Stvros (1998) shows the efficiency of risk management significantly affect financial performance of financial institutions. Without effective risk management, auditing of financial statement and expense of audit may be affected and cause unreliable reports. In the financial crisis from 2007 to 2009, many corporations include banks liquated due to a weak internal control system without an effective risk management. Therefore, a good risk management programme is important to the firm in the Hong Kong banking industry. Hong Kong and Shanghai Banking Corporation Limited (HSBC) is one of the worldà ¢Ã¢â€š ¬Ã¢â€ž ¢s largest financial institutions and thus its risk management will be identified, analyzed and compared with its competitors. Banking regulations and frameworks will be reviewed and key elements of risk management will be identified and compared. The debates will be reviewed and the strength and weakness of internal control of HSBC will be identified. In addition, recommendations for future improvement in effective risk management will be drawn. Aim and objectives of study The aims of the study are to illustrate the importance of maintaining a good risk management programme in the Hong Kong banks and to draw recommendations for the improvement of weaken risk management. To achieve this aim, the objectives have been established: To review banking regulations and framework (Basel III) apply to Hong Kong banking industry To compare and examine the risk management of internal control systems in HSBC and its competitors To review different comments given by its stakeholders during financial crisis (2008) and era To identify the strengths and weakness of an HSBCà ¢Ã¢â€š ¬Ã¢â€ž ¢s risk management To provide conclusions and recommendations for future improvement in effective risk management in financial institutions 1.3 Proposed Chapter Headings: Introduction Importance of Risk management Background The aim and objectives of the study Structure of the dissertation Literature Review Introduction of risk management Kinds of bank risks Credit risk Liquidity riskà ¢Ã¢â€š ¬Ã¢â‚¬  funding risk Interest rate risk Mismatch risk Market liquidityà ¢Ã¢â€š ¬Ã¢â‚¬  market price risk Market risk Foreign exchange risk Regulations framework Benefit of risk management Weaknesses of risk management Causes of business failure Stress Testing Example of banks: Hong Kong and Shanghai Banking Corporation Limited (HSBC), Bank of China (BOC) Government and authority intervention Conclusion An effective internal audit function of an successful case in Hong Kong The weakness of internal control system cause influence and failure of business performance Research Methods Statistical analysis of annual reports of different corporations to compare their differences with in ternal control systems Data findings Profile of respondents Data analysis Conclusion Recommendation Research direction Recommendations and Conclusions Summary of the actual findings Recommendations for an effective internal control system and risk management Limitations of Corporate Governance Chapter 2 Literature Review 2.1 Introduction of risk management The uncertainty environment leads to financial services products have become more complex and also increase the accountability of regulation. (Collier, 2009) Doyle (2007) shows that there are common material weaknesses in the risk management of complex and rapidly growing. Krishnan (2005) states limited scope of research leads to insufficient disclosure of internal control. Internal control plays an important role in enterprise risk management (COSO, 2004 Pagano, 2001) It includes 4 stages: risk identification, quantitative or qualitative assessment of risks, risk prioritization and response planning. Role of risk management Collier (2009) ALARM 2.2 Kinds of bank risks COSO (2004) defines enterprise risk management as a process applied with strategies to identify and manage potential risks and thus providing reasonable assurance of achieving corporate objectives. Basel I (1999) states banks should use measurement techniques based on robust data. Eccles et al (2001) reviews the US GAAP and SEC and illustrates 4 major risks: market risk, credit risk, operational risk and accounting risk. Then, Fell Devine (2003) demonstrate operational risk should be separated as liquidity risk, insurance risk and group risk. Further, De Wit (2007) recognizes that risks also include legal risk, concentration risk and reputation risk in financial institutions. There is legal risk of possibility of court cases. If they are well-known of providing good service about criminal, more companies would like to create financial relationship them that concentration risk arises. Also, negative publicity, which is uncontrollable and unpredictable, often lead to reputation r isk in money laundering case. Collier (2009) states there are many ways of classification of risks. Recently, Besis (2010) states there are 7 major types of risks in banks: credit risk; liquidity risk (funding risk); interest rate risk; mismatch risk; market liquidity (market price risk) and foreign exchange risk. 2.2.1 Credit risk Credit risk, which is risk of financial loss that creditors fail to execute their obligation of payment, is the main risk in banking industry that potential loss due to counterparty fail to execute payment obligation. (Besis, 2010) Collier (2009) mentioned that credit risk increases the impact of default as it can be transferred to third parties by using securitization. 2.2.2 Liquidity riskà ¢Ã¢â€š ¬Ã¢â‚¬  funding risk 2.2.3 Interest rate risk 2.2.4 Mismatch risk 2.2.5 Market liquidityà ¢Ã¢â€š ¬Ã¢â‚¬  market price risk 2.2.6 Market risk 2.2.7 Foreign exchange risk 2.3 Role of governing bodies in risk management and control International Federation of Accountants Committee (IFAC) concludes the role of governing bodies in risk management and control in public sector. (International Federation of Accountants, 2001, cited in Collier, 2009, p.37) They should ensure to establish an effective risk management in the framework of control. Also, ensuring effective internal audit function includes in that framework. Moreover, they should ensure a framework of internal control is well established with practice and the statement of effectiveness is included in the annual report. Lastly, they should form an audit committee that involves non-executive independent members to provide independent review of the framework of control and external audit process. 2.3 Regulations framework 2.3.1 Basel Basel III is a set of international banking regulations developed by the Basel Committee on banking supervision. It revises Basel I and II that requires a higher level of capital. Basel II, which improves the weakness of Basel I, considers regulatory capital with risks. (Glantz Mun, 2008) Basel II provides three approaches for calculation of risk. A standardized approach is commonly used that requires banks to use standard risk assessment to calculate the risk weightings. Next, internal ratings-based (IRB) foundation approach that is based on internal assessment in probability of default from counterparty (PD), quantified estimates of exposure at default (EAD) and loss given default (LGD) can be applicable. And the third approach is called IRB advanced approach, which is based on own internal assessment in PD, EAD and LGD. 2.3.2 Benefit of risk management Weaknesses of risk management Causes of business failure Fight (2004) states that many industry surveys analysed 5 top causes of business failure. First of all, it states cyclical decline in demand is at the top of the five causes. Recession is not the main factor of failure but the element that helps to show the weakness of risk management in firms. It mentions some examples of weakness, such as poor competitive position, problem in internal control of quality and financial and weak capital and liquidity ratios. With these weaknesses, firms lost competitive advantages and cannot fulfill customer needs and also lead to decline in demand. Next, poor top management is followed. Thirdly, lacking of centralized financial control Fourthly, bad acquisition or inadequate integration strategy. The fifth is inappropriate product or market strategy Except the cyclical decline in demand, the other four causes are related to management. It is showed that management of firms plays an important role of survival in economic downturns. Regarding to the case of Lehman Brothers, the creditor fail to execute their obligation of payment that the demand of mortgage or loan was dropped. 2.5 Stress Test 2.6 Example of banks 2.6.1 Hong Kong and Shanghai Banking Corporation Limited (HSBC) Hong Kong and Shanghai Banking Corporation Limited (HSBC) is a world-wide diversified banking group that involves in different business and activities since 2005. It takes conventional strategy in its entities in different areas, such as Europe, Hong Kong, Rest of Asia Pacific, Middle East, North America and Latin America. HSBC Holdings plc (2009) mentions that there are many factors vary the risks in HSBC, such as environment change. vary the degrees, measurement, evaluation of its risk management. mentions there are 4 main types of risks: credit risk, counterparty credit risk, market risk and operational risk in its business. Its credit risks arise from failure of receiving payment by customers or counterparties in its business, such as direct lending, trade finance, leasing business, guarantees, derivatives and debt securities. It applies 3 approaches in Basel international banking regulations to calculate the counterparty credit risk and determine exposure values. The three approaches are standardized, mark-to-market and internal model method (IMM). HSBC adopt the standardized approach and mainly adopt the IRB advanced approach to eliminate the credit risk. In addition, counterparty credit risk is risk of economic loss that counterparty may default in transactions arises from offer-the-counter (OTC) derivatives and securities financing transactions. HSBC uses the mark-to-market and IMM approaches to reduce the counterparty credit risk. Market risk is the risk of lower income or portfolio value with market risk factors, including foreign exchange rates and commodity prices, interest rates, credit spreads and equity prices. To get rid of it, HSBC applied standard rules of financial services authority (FSA) and value at risk (VAR) models. Lastly, operational risk is a risk of potential loss by imperfect internal processes and systems or external events. Actually, it also includes technological and legal risks. HSBC employed the standardized ap proach to determine its operational risk in group. To control risks in the IT area, 3 ways is implemented. First, it uses risk bases project management (RBPM) and a global HSBC tool that is called clarity tool to control the software development life cycle and ensure the consistency and efficiency of management. Second, a disaster recovery plan (DRP) is implemented. For example, it is used to recover system in the case of disasters to ensure the continuity of system. Third, it maintains a secure and reliable governance structure to control and response to the technological risk in different departments. For instance, senior management committees are responsible for managing the risk. The committees consist of HTS Steering Committee, Risk Management Committee (RMC), Operational Risk and Internal Control Committee (ORICC). In the way of managing legal risk, HSBC concerns with contractual, litigation, legislative or regulatory, reputation and non-contractual rights. In addition, it established policies and procedures, estimates potential losses from the judicial or administrative resolutions, disclose the relevant information. Moreover, it established policies and procedures for the identification, measurement of legal risk to eliminate or reduce the possible loss due to the non-performance of the norms and avoid adverse resolutions. 2.6.2 Bank of China (BOC) Bank of China applied the stress testing. 2.7 Government and authority intervention Woods et al (2009) states without perfect credit risk management, the survival of numerous financial institutions in the financial crisis relies on financial support or taking-over by government. In United States, Lehman Brothers, Bear Stearns and Merrill Lynch collapsed because of no financial support to continue the business. On the contrary, United Kingdom mortgage providers, Northern Rock and Bradford and Bingley, survive in financial crisis as had been taken over by government. In addition, Derbyshire Building Society and the Cheshire Building Society faced substantial problems and then survived as it had been taken over by the Nationwide, a large mortgage lender with a stronger capital base. Starting from summer 2007, accumulating losses on sub-prime mortgage triggered financial tsunami in the global financial system. The paper analyzes that banks and mortgage providers using special purpose entities (SPE), collateralized mortgage obligations (CMOs) or collateralised debt obl igations (CDOs) and illiquidity as the problems Financial Services Authority (FSA) provides operating framework (Arrow II), risk assessment framework and regulations for financial institutions. 2.8 Conclusion Chapter 3à ¢Ã¢â€š ¬Ã¢â‚¬ Research method The research is mainly based on quantitative research by obtaining statistical data, such as complaints or commercial crimes, and related to annual reports and financial statement. Reports from Hong Kong Monetary Authority (HKMA) and Securities and Futures Commission (SFC) will be a part of source to analyze the data as it is easily assessed and convenient in obtaining data. In addition, the risk management system of 10-15 limited companies will be examined and compared. It helps to define the strength and weakness between different risk management systems under sudden events. It supplements questionnaires collection and theoretical research. Questionnaires collection is also used as an instrument in obtaining useful information. To obtain relevant information from stakeholders, questionnaires about satisfaction of financial institutions will be collected and some samples will be further conducted by face-to-face survey. And theoretical research is taken place on reviewing infor mation of theories and practices about an effective internal control system with suitable risk management from academic journals and textbooks. 3.2Limitation: It is difficult to assess information because the internal information is not related to the operation that source is limited and limited samples are not be sufficient to conclude subject to risk management. In other words, recommendations are not be sufficient for the whole banking industry. In addition, the online questionnaires do not have a large number of respondents as the respondent rate is limited due to many reasons. For example, some people do not interest in filling questionnaire and some people feel trouble to complete the questionnaire. Chapter 4 Profile of the respondents A survey was conducted in late 2010, from October to November. Online questionnaires were collected from 30 respondents to understand their confidence level of banks in Hong Kong whether it is influenced by the occurrence of financial crisis and also obtain recommendations of risk management in Hong Kong banks for improvement. There are 25 questions in a questionnaire (see appendix) and it is formed as 3 parts: Personal Details; Before Financial Crisis (2007 -2008); After Financial Crisis (2007 -2008). The first 5 questions are about à ¢Ã¢â€š ¬Ã…“personal detailsà ¢Ã¢â€š ¬?. For question 6 to 8, questions are part of à ¢Ã¢â€š ¬Ã…“before financial crisisà ¢Ã¢â€š ¬?. And questions 9 to 25 are focused on à ¢Ã¢â€š ¬Ã…“after financial crisisà ¢Ã¢â€š ¬? that shows present. The major findings drew from the questionnaires are concluded as below. Personal Details Question 1: What is your gender? Female Male Total 16 14 30 In the online questionnaires, there were 30 respondents that slightly more than half of them are Female while slightly less than half of them are male. Question 2: What is the range of your age? From the questionnaires, it was found that the respondents are mainly youngsters which are most (26 in 30 respondents) in the range of 18 to 29 years old. And there are a small number of respondents (2 in 30 respondents) in the range 30 to 39 years old and (2 in 30 respondents) the range of 40 to 49 years old. Question 3: What is your education level? According to results of questionnaires, no respondents are educated under primary level. Three fifths of respondents achieve the degree education whereas the minority of them, 2 in 30 respondents, reach the master or above education level. And the other two sixths of respondents completed secondary to diploma education. Question 4: What is the range of your monthly salary? It is showed that half of the respondents have monthly income less than $5000 while one fifth of them have over $5000 but lower than $10000 and the other one fifth have monthly income between $10000 and $19999. The minority of respondents got income more than $20000 each month that one respondent got more than $20000 but less than $30000 and two respondents got more than $30000. Question 5: What is your role in bank? The respondents are mainly customers in banks that there are over 90% of them, 28 in 30 respondents, as the role of customers and less than 10%, 2 in 30 respondents, of them as the role of employees in bank. Before Financial Crisis(2007-2008) Question 6: Before financial crisis (2007 2008), what was the percentage of your salary you spend on saving in a bank each month? Before financial crisis (2007 2008), almost two fifth (37%) of respondents expressed that they had habit of saving. Only a few of them spent their salaries mostly on saving while a minority spent much more on saving every month. And one in six respondents spent almost half of salary on saving. In the meanwhile, three fifths of them spent fewer while a few respondents spent slightly fewer or none on saving. Question 7: Before financial crisis (2007-2008), did you invest in stock of Hong Kong banks, such as HSBC? Over 70% of respondents, 73%, said that they had habit of investment in Hong Kong stock before financial crisis (2007-2008) while slightly less than 30%, 27%, had not invested. Question 8: Before financial crisis (2007-2008), what was the percentage of your salary you spend on investment each month? Before financial crisis (2007-2008), most of respondents had habit of investment. Three fifths of respondents had spent much more and majority or all of salary on investments each month. For example, less than half of them, 43%, had spent the majority and almost all of salary (80% 100%) on investment while one sixth had spent 60% to nearly 80% of salary. And a small number of them, 10%, had spent almost half of salary (40% 59.99%) on investment while nearly one quarter (23%) of them had spent fewer (25% 39.99) on investment. But, few respondents, 7%, said that they had not invested or spent slightly fewer on investment. Question 9: Did you have habit of checking your balance in your current accounts /investment accounts in banks? And how often did you check your balance each month? Before financial crisis (2007-2008), none of the respondents never check their current account or investment account balance. One in three respondents showed that they seldom (1 to 7 times per month) checked their balance in accounts while half of them often checked their accounts over once a week and nearly once per two days (8-15 times per month). And one in five respondents usually checked their accounts (16-30 times per month). After Financial Crisis (Present) Question 10: Do you own any current accounts for saving in banks? How many banks do you own current account? All respondents have current accounts for saving in banks in Hong Kong. One-fifth of respondents reported that they only owned current account in one bank while almost most of them, 77%, said that they owned current accounts in from two to four banks. In addition, only one respondent responded that hold current accounts in more than five banks. Question 11: What is the percentage of your salary you spend in saving each month? It is showed that most of the respondents have habit of saving. Almost a quarter of them, 23%, spend much more on saving while about two fifths of them, 41%, spent majority or almost all on it. Also, no respondents spend almost half of salary (40%-59.99%) while a minority of them reported they spent fewer and nearly a quarter of them reported they spent slightly fewer and almost none on saving. Question 12: Do you invest in stock Hong Kong banks, such as HSBC? After financial crisis (2007-2008), three fifths of respondents said that they had habit of investment in stock of Hong Kong banks while two fifths did not invest. Question 13: Do you own any investment accounts in banks? How many banks do you own current account? Most of the respondents own investment accounts in Hong Kong banks. For illustrate, more than half of respondents, 73%, only own investment accounts in a bank while 1 in 10 respondents own an investment account in two to four banks. And one-sixth of them, 17%, do not own any investment account and. However, no respondent hold investment accounts in more than five banks. Question 14: What is the percentage of your salary you spend on investment each month? More than half of respondents reported that they spent their salaries less on investment. One third of them spent slightly few and almost none of their salary on investment while one fifth spent fewer as well as the other one fifth almost spent half of it on investment. On the other hand, a small number of them, 10%, responded that they spent much more while 1 in 6 respondents spent most and almost all on investment. Question 15: Do you have habit of checking your balance in your current accounts/ investment accounts in banks? And how often do you check your balance each month? After financial crisis, none of the respondents never check their current account balance. Nearly three fifths of respondents,57%, reported that they seldom (1 to 7 times per month) checked their balance in account while one fifth of them often checked their accounts over once a week and nearly once per two days (8-15 times per month). In addition, about a quarter of them checked their accounts frequently (16-30 times per month). Question 16: After financial crisis (2007-2008), what do you pay attention to the bank before investment in it? (Answers can be chosen more than one.) The table shows the issues about bank whether respondents pay attention to before investment or not. After financial crisis (2007-2008), the respondents mainly pay attention to the news about the bank and also the banking industry before investment. Nearly three quarters of them, 73%, pay attention to the news about the bank and banking industry to concern about their investment. In addition, one-fifth of them pay attention to the risk management of the bank to concern whether risks are minimized and properly controlled. And the other one fifth also pay attention to relevant court cases while three in ten respondents focus on the changes in its share price. However, only a minority pay attention to the big issues, such as big loss or financial difficulties. Question 17: What element(s) do you think it is important in risk management? The table illustrates that importance of elements in risk management respondents revealed. Regarding to questionnaires, almost two fifths of the respondents thought identification of risk was important in risk management while about two thirds of them did not. About assessment of risks, nearly third fifths (57%) of them agreed it was an important element while more than two fifths of them (43%) disagreed. In addition one third of respondents expressed that internal control is an important element in risk management. However, only a minority of respondents, 4%, totally agreed that identification, assessment, and prioritization of risks and the internal control are important in risk management. Question 18: Do you trust the risk management of bank can ensure steadily operation with lower risks to prevent bankruptcy? Two thirds of respondents reflected they trusted the risk management of bank that can ensure it operating steadily with lower risks and prevent bankruptcy while one third said that they did not trust it. Question 19: What is the level you rely on the risk management of bank? After financial crisis (2007-2008), a small number (10%) of respondents reflected that they extremely relied on the risk management of bank while one fifth said that they more relied on it. Half of them remained neutral whereas a minority less relied and a few respondent never rely on the risk management of the bank. Question 20: After financial crisis (2007-2008), have your confidence in bank been cracked? About two fifths of respondents, 37%, thought their confidence in bank had not be cracked after financial crisis (2007- 2008). Nevertheless, half of them reflected their confidence were partly impaired while a minority (13%) revealed that their confidence were mostly damaged. Question 21: What is (are) the issue(s) that impair your confidence in the bank and make you think that it has weak risk management? The chart illustrates the issues whether it can impair their confidence of respondents and affect their investment decision in the bank. According to the responds, a majority of respondents, 90%, thought occurring liquidity problem and big loss can impair their confidence in the bank. And 70% of them expressed that weaken defense of risks and without experience of facing financial crisis can lead to bank have a weak risk management and also impair their confidence. Besides, slightly more than a quarter of them, 27%, considered human resources problem was one of the elements of weak risk management. For example, improper authorization and delegation policies lead to conflict of interest exists in the bank. Moreover, nearly one-fifth thought operating without following regulation, such as Basel framework, is more likely to maintain weak risk management. Finally, only a few of them, 7%, responded that involving in court case impair their confidence in bank and they might think it had weak risk management Question 22: Do you read the annual report of bank to understand its risk management before investment? The above chart shows that one third of respondents responded that they saw annual report of the bank before investment to understand its risk management. However, two thirds of them expressed that they did not. Question 23: Do you think these banks have good risk management? In five Hong Kong banks, respondents expressed which banks they think have good risk management. As a result, most of them commented HSBC had a good risk management while only one third thought Bank of China had a good risk management. Also, half of them expressed that Hangseng Bank had good risk management while the other half disagreed that. Concerning to standard chartered bank, only one fifth thought its risk management was good. Moreover, slightly less than twenty percent of them reflected that Citibank had good risk management. Question 24: What rank do you give for the risk management of HSBC? (Please rank from 1to 5: 1 is weakest; 5 is best) Rank of HSBC Number of respondents 1 1 2 3 3 13 4 9 5 4 Total 30 Mean 3.4 Medium 3 Gathering the data from the questionnaires, the mean of rank of risk management of HSBC is 3.4 and the medium is 3. More than two fifths of the respondents (43%), gave 3 of risk management in HSBC while almost one third gave 4 and a small number of them gave 5. And only a few respondents (3%) ranked 1 while a minority ranked 2. Question 25: What is (are) the problem(s) of risk management in HSBC you think? According to the comments from respondents, there are some problems of risk management in Hong Kong and Shanghai Bank (HSBC). First of all, it is difficult to accurately predict the risks under the uncertain environment. Second, the company structure of HSBC is too huge that the monitoring between different countries would include some gap. For example, HSBC has different business in different countries that standard of monitoring is less effective and efficiency. Thirdly, it had a weak risk management in credit risks during the sub-prime mortgage crisis. For instance, it had written off large amount since the Lehman Brother in United States. Lastly, HSBC more focus on globalization but less in customer. Summary Chapter 5 Data findings and analysis 5.1 Questionnaire 5.2 HSBC According to the risk management framework of HSBC, Capital and risk management pillar 3 disclosures (2009) illustrates the figures of credit risks in HSBC Holding plc. It is measured by 3 methods: IRB advanced approach; IRB foundation approach and standardized approach. The appendix 2 demonstrates the figures of risk-weighted assets analysis by geographical region. At 31 December 2009, the risk weighted assets in Hong Kong accounts for 119.5 billion US dollars where total risk-weighted assets are 1133.2 billion US dollars. It is shown that entity in Hong Kong own 11% in HSBC group. At 31 December 2008, it was 102.1 billion US dollars in Hong Kong out of 1148.0 billion US dollars in total risk-weighted assets. In 2008, Hong Kong accounts for 9% in HSBC group. Comparing 2008 and 2009, it is obvious that the weighted average in Hong Kong is raised from 11% to 9%. To maintain good risk management, HSBC holds more capital base to support the development of its business than Ba sel regulation requires. Although Basel requires 8% minimum total capital, HSBC holds 13.7% in 2009 to withstand future risks. Appendix 2 Table 1 shows the figures of capital requirements that total amount accounts for 90.7 billion US dollars. It shows that credit risk accounts for 80% (72.3 billion US dollars) while counterpart credit risk accounts for 5%, market risk 5% and operational risk 10%. Clearly, credit risk is the main risk in HSBC and a threat during sub-prime mortgage crisis. Without accurate prediction of risks, it is more likely to write off huge amount and lead to big loss in bank and easier to bankruptcy. Regarding to maintain a healthy risk management, HSBC is monitored by its group audit committee to independently review the effectiveness of its internal control and also its risk management system. Its group audit committee is formed by non-executive directors to meets regularly with HSBCà ¢Ã¢â€š ¬Ã¢â€ž ¢s senior financial, internal audit, risk, legal and complia nce management and the external auditor to consider HSBC Holdingsà ¢Ã¢â€š ¬Ã¢â€ž ¢ financial reporting, the nature and scope of audit reviews and the effectiveness of the systems of internal control, compliance and risk management When considering risk matters, Group Management Board (GMB) convenes as the Risk Management Meeting (RMM), chaired by the Chief Financial Officer, Executive Director, Risk and Regulation. RMM is the Groupà ¢Ã¢â€š ¬Ã¢â€ž ¢s senior à ¢Ã¢â€š ¬Ã‹Å"designated committeeà ¢Ã¢â€š ¬Ã¢â€ž ¢ as defined by the FSAà ¢Ã¢â€š ¬Ã¢â€ž ¢s rules, and has responsibility for setting risk appetite and approving definitive risk policies and controls. It formulates high-level Group risk management policy, exercises delegated risk authorities and oversees the implementation of risk appetite and controls. It monitors all categories of risk, receives reports on actual performance and emerging issues, determines action to be taken and reviews the efficacy of HSBCà ¢Ã¢â€š ¬Ã¢â €ž ¢s risk management framework Internal assessment of capital adequacy remains sufficient to support the Groupà ¢Ã¢â€š ¬Ã¢â€ž ¢s risk profile and outstanding commitments; exceeds the Groupà ¢Ã¢â€š ¬Ã¢â€ž ¢s formal minimum regulatory capital requirements by an agreed margin; is capable of withstanding a severe economic downturn stress scenario; and remains consistent with the Groupà ¢Ã¢â€š ¬Ã¢â€ž ¢s strategic and operational goals, and shareholder and rating agency expectations. HSBC Holdings plc (2009) mentions that there are many factors vary the risks in HSBC, such as environment change. vary the degrees, measurement, evaluation of its risk management. mentions there are 4 main types of risks: credit risk, counterparty credit risk, market risk and operational risk in its business. Its credit risks arise from failure of receiving payment by customers or counterparties in its business, such as direct lending, trade finance, leasing business, guarantees, derivatives and debt securities. It applies 3 approaches in Basel internati onal banking regulations to calculate the counterparty credit risk and determine exposure values. The three approaches are standardized, mark-to-market and internal model method (IMM). HSBC adopt the standardized approach and mainly adopt the IRB advanced approach to eliminate the credit risk. In addition, counterparty credit risk is risk of economic loss that counterparty may default in transactions arises from offer-the-counter (OTC) derivatives and securities financing transactions. HSBC uses the mark-to-market and IMM approaches to reduce the counterparty credit risk. Market risk is the risk of lower income or portfolio value with market risk factors, including foreign exchange rates and commodity prices, interest rates, credit spreads and equity prices. To get rid of it, HSBC applied standard rules of financial services authority (FSA) and value at risk (VAR) models. Lastly, operational risk is a risk of potential loss by imperfect internal processes and systems or external events. Actually, it also includes technological and legal risks. HSBC employed the standardized approach to determine its operational risk in group. To control risks in the IT area, 3 ways is implemented. First, it uses risk bases project management (RBPM) and a global HSBC tool that is called clarity tool to control the software development life cycle and ensure the consistency and efficiency of management. Second, a disaster recovery plan (DRP) is implemented. For example, it is used to recover system in the case of disasters to ensure the continuity of system. Third, it maintains a secure and reliable governance structure to control and response to the technological risk in different departments. For instance, senior management committees are responsible for managing the risk. The committees consist of HTS Steering Committee, Risk Management Committee (RMC), Operational Risk and Internal Control Committee (ORICC). In the way of managing legal risk, HSBC concerns with contr actual, litigation, legislative or regulatory, reputation and non-contractual rights. In addition, it established policies and procedures, estimates potential losses from the judicial or administrative resolutions, disclose the relevant information. Moreover, it established policies and procedures for the identification, measurement of legal risk to eliminate or reduce the possible loss due to the non-performance of the norms and avoid adverse resolutions.

Study Gurus Outstanding Essay Writing Tips

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Legal And Bureaucratic Accountability Of The Army Corps Of...

While the catastrophic failure of the levees in New Orleans during Hurricane Katrina can be attributed to the Army Corps of Engineers (â€Å"Corps†), the Corps’ failures can be attributed to fundamental flaws within the accountability environments they were operating in during both the building and the maintenance of the levees. Legal and bureaucratic accountability were the primary and secondary accountability approaches at work, with legal accountability most notable during their planning and construction process, and bureaucratic accountability taking precedence during their oversight process. Ironically, while these are the forms of accountability that should contain the highest degrees of control, critical failures resulting from each of these accountability environments led to the Corps, in practice, having an extremely low degree of control and ultimately led to the failure of the levees during Hurricane Katrina . As defined by Romzek and Dubnick, legal accountability is based on the relationship between an agency and an external party that controls the agency’s actions using legal or contractual orders. In 1965, as part of the Lake Pontchartrain and Vicinity Louisiana Hurricane Protection Project (â€Å"Project†), Congress authorized the Corps to build a system of levees to protect New Orleans from hurricane damage. With this authorization and the federal government paying 70 percent of the costs, the Corps was legally accountable to Congress and dependent on them for bothShow MoreRelatedThe Classical Theory of Organisation and Its Relevance4143 Words   |  17 Pagesprocess, defined tasks, defined accountability, and formalized procedures and practices to avoid any conflict in their relationship. 2. Workers have been treated as economic man who can be motivated by means of money only. International Research Journal of Finance and Economics - Issue 41 (2010) 61 3. 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History 1301 Exam 1 Review - 1673 Words

Prompt 1: Migration * According to anthropologists, where did the first human beings live? Why did they leave that place? How did they get to North America? According to anthropologists the first human beings lived in Ethiopia, Africa around 2 million years ago for example: Lucy known as the oldest human found there. The most probable reason why the first human left Africa is because of the Ice Age. The cold made life so difficult to survive and somehow reduced in their population. They went through a land bridge, which existed to connect North America and Asia during the Ice Age. * What was the Columbian Exchange? How did the Columbian Exchange affect Europe? How did it affect North America? The Columbian Exchange is†¦show more content†¦So the Europeans have to trade with Asian countries to get spices. The 2 continents are connected by the Ottoman Empire (in the Middle East) lied between them. Of course this empire would tax whatever trade is going through their land. After a while, the Europeans can’t afford to keep the Ottoman Empire happy with the tax, so they decided to explore a sea-route to get to these Asian countries. * Which commodity sparked the economy of colonial Virginia in the early 17th century? What social problems resulted from the success of that commodity? Tobacco was introduced and imported by John Rolfe. This triggered huge waves of settlers in Jamestown to plant tobacco’s seeds as well. So the more of them growing tobacco, the better the economy improving due to high demand in consumptions. On the other hand, growing tobacco resulted in the Indians being kicked out of their lands, forced the African slaves brought to America and work in the tobacco fields. * Which industry sparked the New England economy at the end of the 17th century? Who was unhappy with the success of that industry, and why? Shipbuilding was a fast growing industry created a boom for New England economy. They also gain profit out of transporting trading goods back and forth from and to England, and also for transporting slaves out of Africa and into North America. The New England settlers were so success at their shipbuilding business that actuallyShow MoreRelatedCissp Study Guide67657 Words   |  271 PagesISC CISSP ISC CISSP Certified Information Systems Security Professional Practice Test Version ISC CISSP: Practice Exam QUESTION NO: 1 All of the following are basic components of a security policy EXCEPT the A. definition of the issue and statement of relevant terms. B. statement of roles and responsibilities C. statement of applicability and compliance requirements. D. statement of performance of characteristics and requirements. Answer: D Explanation: Policies are considered the firstRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesOrganizational behavior / Stephen P. Robbins, Timothy A. Judge. — 15th ed. p. cm. Includes indexes. ISBN-13: 978-0-13-283487-2 ISBN-10: 0-13-283487-1 1. Organizational behavior. I. Judge, Tim. II. Title. HD58.7.R62 2012 658.3—dc23 2011038674 10 9 8 7 6 5 4 3 2 1 ISBN 10: 0-13-283487-1 ISBN 13: 978-0-13-283487-2 Brief Contents Preface xxii 1 2 Introduction 1 What Is Organizational Behavior? 3 The Individual 2 3 4 5 6 7 8 Diversity in Organizations 39 Attitudes and Job Satisfaction 69 EmotionsRead MoreMedicare Policy Analysis447966 Words   |  1792 Pagespurposes. 1 Be it enacted by the Senate and House of Representa- 2 tives of the United States of America in Congress assembled, 3 SECTION 1. SHORT TITLE; TABLE OF DIVISIONS, TITLES, rmajette on DSK29S0YB1PROD with BILLS 4 5 AND SUBTITLES. (a) SHORT TITLE.—This Act may be cited as the 6 ‘‘Affordable Health Care for America Act’’. VerDate Nov 24 2008 12:56 Oct 30, 2009 Jkt 089200 PO 00000 Frm 00001 Fmt 6652 Sfmt 6201 E:\BILLS\H3962.IH H3962 2 1 2 Read MoreInnovators Dna84615 Words   |  339 PagesW P R E S S BOSTON, MASSACHUSETTS 100092 00 i-vi r1 rr.qxp 5/13/11 6:52 PM Page iv Copyright 2011 Jeff Dyer, Hal Gregersen, and Clayton M. Christensen All rights reserved Printed in the United States of America 10 9 8 7 6 5 4 3 2 1 No part of this publication may be reproduced, stored in or introduced into a retrieval system, or transmitted, in any form, or by any means (electronic, mechanical, photocopying, recording, or otherwise), without the prior permission of the publisher

Traditional Classroom Learning and Online Learning- myassignmenthelp

Question: Discuss about theTraditional Classroom Learning and Online Learning. Answer: Introduction As people seek and institutions seek to improve the learning experience major shifts have been experienced in the education field especially the adoption of technology in learning. This paper aims at analyzing the similarities and differences between Classroom and online learning Similarities Assignments One of the basic similarities between online and traditional classroom learning is the fact that in both modes of learning the concept of class assignments is a reality. Whether one chooses to attend a classroom in a traditional setting, or in an online setting, they will be required to do course-related assignments from time to time (Hallam,2015). Class discussions and collaborations Discussions and collaborations are an important aspect of the learning process. In both traditional based and online class formats .team work, and discussions are practiced. While under the traditional class setting students have a chance to ask questions and offer ideas in lecture halls. Online, learning gives an opportunity for students to engage in an online discussion with fellow students and lectures. Apart from group assignments in the traditional classroom context, online learners are also given group assignments in which they communicate through mobiles phones and emails (Brosche Feavel,2011). Use of textbooks and online resources Both online learning and traditional class set up involve the use of textbooks and online resources for studying and undertaking assignments. Texts books used by both Online and traditional classroom learners studying similar courses are similar which eliminates any discrepancies in the learning process. While traditional classroom learners may be in possession of hardcopy books. Online learners may be provided with electronic books, but the content is similar (Hallam,2015). Differences Classroom setting There is a major difference in the setting of the traditional classroom and online learning. In the traditional classroom learning, several people gather together in specific classes or lecture halls at specified times to learn in a teacher driven style. The learning process may also involve Students learning through face to face discussions with their peers. In contrast, Online learning allows the learner to have a flexible learning schedule where they can choose their most convenient time and at the place of their choice. Online learning is, therefore, more user-driven in which students have control over their learning times and paces(O'Neil,et al,2009) Learning styles Both the learning styles used in traditional and online classroom setup vary. In traditional classroom setup, collaborative learning approaches which involve face to face interactions within an outside the classroom are mostly used as. This approach is quite useful for students who require academic support from time to time. Online learning, on the other hand, is based more on an independent style of learning where learners have the sole responsibility of balancing between their school and personal lives. Online programs also have a high reliance on technology as compared to the traditional classroom context (O'Neil,et al,2009) In-depth Feedback Feedback is an important component of the learning process. While feedback is used by instructors in both traditional and online learning, its levels differ in the two methods. For online courses, the level of feedback given by Instructors is higher as compared that given in a normal classroom setup. Instructors may go to the extent of providing online learners with detailed written or visual critiques of assignments. Perhaps the lack of detailed feedback in traditional classes is because the frequency of feedback in such setups is high (Information Resources Management Association,2010). Conclusion In conclusion, both similarities and differences exist between online and traditional classroom learning. The most notable similarities are assignments in the learning process, use of discussions and collaborations and use of online resources and textbooks. Major differences have to do with the type of feedback, classroom setup, and learning styles. Reference List Brosche, T. A. M., Feavel, M. (2011). Successful online learning: Managing the online learning environment efficiently and effectively. Sudbury, Mass: Jones and Bartlett. Hallam, J. (2015). Blended Online Learning versus Traditional Classroom Learning: A Comparison of Mathematics Content Mastery for High School Students of Homeowners and Non-Homeowners. Information Resources Management Association. (2010). Web-based education: Concepts, methodologies, tools and applications. Hershey, Penn: Information Science Reference. O'Neil, C. A., Fisher, C. A., Newbold, S. K., Newbold, S. K. (2009). Developing online learning environments in nursing education. New York: Springer.

More Fallacies Quiz free essay sample

More Fallacies Quiz I (See related pages) Results Reporter| | Out of 3 questions, you answered 2 correctly with a final grade of 67%| | | | | | 2 correct (67%)| | | | 1 incorrect (33%)| | | | 0 unanswered (0%)| | | Your Results:| The correct answer for each question is indicated by a . | - Top of Form Please answer all questions. | 1 CORRECT| | It is fair to say that all rhetorical devices tempt us to accept a claim or modify our position on an issue without our having a good reason for doing so. | | | A)| True| | B)| False| | | | | | Feedback: Reason is not the only thing that affects beliefs, attitudes, and feelings. Rhetorical devices employ everything but reason to influence someones acceptance of a claim. | | 2 INCORRECT| | An appeal to ignorance is an ad hominem attack where the intelligence of the arguer is impugned. | | | A)| True| | | B)| False| | | | | | | | 3 CORRECT| | It is fallacious to conclude that a persons claim should be dismissed if it is determined that they are hypocritical on the subject. | | | A)| True| | | B)| False| | | | | | Feedback: To do so would be to commit an ad hominem fallacy. Whether the person making the claim is a hypocrite, an ax murderer, omniscient, or more devoted to the imperative not to lie than Immanuel Kant, should be irrelevant in judging the argument they are forwarding. | More Fallacies Quiz II (See related pages) Results Reporter| | Out of 27 questions, you answered 13 correctly with a final grade of 48%| | | | | | 13 correct (48%)| | | | 14 incorrect (52%)| | | | 0 unanswered (0%)| | | Your Results:| The correct answer for each question is indicated by a . Top of Form | 1 CORRECT| | From the list below, select the name of the rhetorical device that attacks the arguer instead of the argument. | | | A)| Slippery slope| | | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: When analyzing an argument, the internal claimsmdash;premisesmdash;are fair game for attack. The qualities of the person making the argument are not fair game because they arent pertinent to the argument itself. | | 2 INCORRECT| | From the list below, select the name of the rhetorical device that unfairly places the onus of providing evidence for a position on the wrong side of an issue. | | | A)| Slippery slope| | | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | | | 3 CORRECT| | From the list below, select the name of the rhetorical device that ignores an opponents actual position and instead presents and attacks a distorted, oversimplified, or misrepresented version of that position. | | | A)| Slippery slope| | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: This is, arguably, the most frustrating fallacy to combat when its hurled at you. To stay engaged in the debate, you must first untangle and correct the distortions, oversimplifications, and misrepresented versions your opponent is working with. Then, you may proceed with your rebuttal. Of cou rse, all your opponent has to do is continue creating straw men out of everything you say and youll remain occupied for as long as he wants you to be. It is often best to refuse to deal with people who have no qualms about using this rhetorical technique (if at all possible). | | 4 CORRECT| | From the list below, select the name of the rhetorical device that limits consideration to only two alternatives when there are, in fact, more than two. | | | A)| Slippery slope| | | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: If the flight attendant told you that you could have cream or sugar in your tea, when there was also milk and honey available, then s/hed be presenting you with a false dilemma. | 5 CORRECT| | From the list below, select the name of the rhetorical device that claims we must continue a certain course of action since we have already begun that course. | | | A)| Slippery slope| | | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: If, for instance, y ou say Thats OK when someone accidentally steps on our toes, then the next time they carelessly bump into you and step on your toes and you say Thats OK, then the next time they (intentionally? ) step on your toes, you also say Thats OK continue to gradually escalate the examples until} they beat youup and you say Thats abuse. , if they say Well youve always said it was OK before and put up with it, so you cant suddenly say it isnt. You must continue to put up with it. , then they have committed the slippery slope fallacy. | | 6 CORRECT| | From the list below, select the name of the rhetorical device that tempts us to believe there is a necessary connection between one thing happening and some other thing happening when, in fact, there is no such necessary connection. | | | A)| Slippery slope| | | B)| Begging the question| | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: If someone uses a slippery slope fallacy to convince y ou that there is a necessary connection between trying marijuana once and ending up strung out on heroin, their reasons will gradually build on the marijuana use to the use of harder substances to the addiction thereof, until finally they conclude with the worst scenario. Be cautious of dismissing all slippery slopes out of hand because some do have necessary connections from the least to greatest eventa nuclear meltdown, for example. | 7 CORRECT| | From the list below, select the name of the rhetorical device that asks us to accept premises that are as controversial as the conclusion being argued for and which are controversial on the same grounds. | | | A)| Slippery slope| | | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: g. the argument God exists because God exists is logically valid, however it is circular because the very thing we are trying to prove is being assumed in the premise. There fore, although valid, it is fallacious. Although this is such an obvious example of circularity, or begging the question, most cases are not. | | 8 CORRECT| | Poisoning the well and argument from inconsistency are versions of which of the following types of rhetorical devices? | | | A)| Slippery slope| | | B)| Begging the question| | | C)| False dilemma| | | D)| Ad hominem| | | E)| Burden of proof| | | F)| Straw man| | | | | | Feedback: This is due to the fact that the attack is not within the scope of the argument, but at the person delivering the argument. | Choose the fallacy at work in these examples. | 9 CORRECT| | Either join in political life or resign yourself to a lonely and meaningless existence. | | | A)| False dilemma| | | B)| Circumstantial ad hominem| | | C)| Appeal to ignorance| | | D)| Poisoning the well| | | E)| Genetic fallacy| | | | | | Feedback: There are, in fact, other choices for living a meaningful life, and doing so with company. | | 10 CORRECT| | You have to discount Mr. McGills views on abortion. As a member of the Pre-Natal Liberation Organization, he cant help being prejudiced. | | | A)| Appeal to ignorance| | | B)| Burden of proof| | | C)| Circumstantial ad hominem| | D)| Line-drawing fallacy| | | E)| Perfectionist fallacy| | | | | | Feedback: A persons circumstances do add dimension to their views, however, arguments themselves should stand or fall on their own merit, and not by how the proponent of the view came to believe in it. | | 11 CORRECT| | You should bathe three times a day in a tub of whole milk to keep your skin looking young. No one has ever proved tha t it doesnt work. | | | A)| Genetic fallacy| | | B)| Slippery slope| | | C)| Appeal to ignorance| | | D)| Line-drawing fallacy| | | E)| Perfectionist fallacy| | | | | | Feedback: This appeal to ignorance, i. . the fact that we dont know that it doesnt work, operates by shifting the burden of proof from the person making the claim to anyone who would care to refute it. | | 12 CORRECT| | Defense lawyer Robert Baker at O. J. Simpsons civil trial: This isnt a fight for justice, its a fight for money. | | | A)| False dilemma| | | B)| Slippery slope| | | C)| Begging the question| | | D)| Line-drawing fallacy| | | E)| Perfectionist fallacy| | | | | | Feedback: It could be a fight for both or neither (in which case there would be a third alternative, or more, to choose from). | | 13 INCORRECT| | Letter to the editor: Now the Dallas Police have dismissed the rape charges against Michael Irvin and Erik Williams. Excuse me if Im suspicious of the Dallas Police Department. Im old enough to remember Lee Harvey Oswald being shot to death with the Dallas Police escorting him. | | | A)| Poisoning the well| | | B)| Genetic fallacy| | | C)| Burden of proof| | | D)| Perfectionist fallacy| | | E)| Line-drawing fallacy| | | | | | | | 14 CORRECT| | Before you go getting all excited about the ancient Greek ideal of leisure and learning, remember that it was built on the backs of slaves. How do you think they liked the sight of all those philosophers? Not much. | | | A)| Poisoning the well| | | B)| Genetic fallacy| | | C)| Slippery slope| | | D)| Begging the question| | | E)| Straw man| | | | | | Feedback: If the philosophical ideal of leisure and learning was built on the backs of slaves, then thats a good reason to criticize the ideal as it played out in ancient Greece. However, the philosophical ideal, as it plays out now, is immune from such criticism unless an argument can be made for present day slave support. | | 15 INCORRECT| | Once your kids are watching cartoons, theyre also watching those toy commercials. If they see the commercials theyll want the toys; before you know it, theyre obsessed with the toys and youve lost all control over them. So dont let children watch cartoons. | | | A)| Genetic fallacy| | | B)| Slippery slope| | | C)| Burden of proof| | | D)| Begging the question| | | E)| Straw man| | | | | | | | 16 INCORRECT| | Tomorrow night you will watch my opponent on these same channels. Hell try to defend all the exhausted ideas that have landed this state in the gutter. You wait, hell pretend hes saying something new. But thats the way it goes in politics, and Ill let him make his little speech. Freedom of choice is what America is all about. | | | A)| Circumstantial ad hominem| | | B)| Burden of proof| | | C)| Begging the question| | | D)| Poisoning the well| | | E)| Perfectionist fallacy| | | | | | | | 17 INCORRECT| | Either you floss daily or your teeth look pathetic. | | | A)| Genetic fallacy| | | B)| False dilemma| | | C)| Burden of proof| | | D)| Line-drawing fallacy| | | E)| Perfectionist fallacy| | | | | | | | 18 INCORRECT| | I beg to differ, Officer, but sometimes you people go overboard talking about the dangers of fast driving. If you can prove that theres actually a child near the street right now, and that the child would have stepped out in front of my car, then Ill grant you that going fifty-five was dangerous. | | | A)| False dilemma| | | B)| Slippery slope| | | C)| Begging the question| | | D)| Burden of proof| | | E)| Perfectionist fallacy| | | | | | | | 19 INCORRECT| | The life on other planets must be highly intelligent. After all, weve never documented a single case of aliens landing on Earth—which proves that they realize how dangerous it would be to make contact. | | A)| Appeal to ignorance| | | B)| Burden of proof| | | C)| Begging the question| | | D)| Perfectionist fallacy| | | E)| Line-drawing fallacy| | | | | | | | 20 INCORRECT| | Ms. Turnier gave me extra homework for running in class. She has a rule against it. But I told her, I wasnt running, I was walking. One foot was in front of the other. Maybe I went fast, but where is it in her book of rules that suddenly thats running? | | | A)| Line-drawing fallacy| | | B)| Poisoning the well| | | C)| Slippery slope| | | D)| Begging the question| | | E)| Perfectionist fallacy| | | | | | | 21 INCORRECT| | Dont stay in the Army. You were ROTC instead of going to one of the academies, and that means they might promote you for a while, but youll never get above lieutenant colonel. Why bother? | | | A)| False dilemma| | | B)| Circumstantial ad hominem| | | C)| Slippery slope| | | D)| Line-drawing fallacy| | | E)| Perfectionist fallacy| | | | | | | | 22 INCORRECT| | Ms. Ng said to tell you Im not reading enough. But I dont think you should worry. Shes a teacher, so she has reading on her mind. | | | A)| False dilemma| | | B)| Appeal to ignorance| | C)| Circumstantial ad hominem| | | D)| Burden of proof| | | E)| Begging the question| | | | | | | | 23 INCORRECT| | How do you like those developers trying to raise the sales tax to pay for the new stadium? They say its going to be profitable for the city. If its so prof itable, why dont they build it out of their own money and really get rich? | | | A)| Appeal to ignorance| | | B)| False dilemma| | | C)| Slippery slope| | | D)| Burden of proof| | | E)| Line-drawing fallacy| | | | | | | | 24 INCORRECT| | Do I want the police department to take charge of writing parking tickets? You mean, do I want to get shot if I pull up next to a fire hydrant? What do you think? | | | A)| False dilemma| | | B)| Appeal to ignorance| | | C)| Begging the question| | | D)| Perfectionist fallacy| | | E)| Straw man| | | | | | | | 25 CORRECT| | Madam President, I dont see how we can go ahead with this curricular revision. The committee is worried about students not getting a good liberal arts education; but when you look closely at the details of the proposal, you see that a shrewd student can still worm through with the right course selections and wind up uneducated. | | A)| Circumstantial ad hominem| | | B)| Burden of proof| | | C)| Begging the question| | | D)| Line-drawing fallacy| | | E)| Perfectionist fallacy| | | | | | Feedback: If the proposed curriculum is the best one critiqued by the committee, then the fact that it is possible that a very small percentage of students might get through the system without taking advantage of the educational opportunities is an accep table risk. It would be irrational to reject it for not being perfect (especially since nothing better is on the table). | | 26 INCORRECT| | What do you mean, I broke my curfew? All I did was walk to the curb. You wouldnt cite me if I stood on the porch, would you? And if Id just stepped off the porch, that wouldnt be any different. So whats so magical about the curb? | | | A)| False dilemma| | | B)| Genetic fallacy| | | C)| Line-drawing fallacy| | | D)| Burden of proof| | | E)| Perfectionist fallacy| | | | | | | | 7 INCORRECT| | Ladies and gentlemen of the jury: My clients civil rights are at stake. Its true that he pointed at the victim and told the other men with him, Thats the one who cost you your jobs. Get him! But that was only his expression of his opinion. You have to either let a man speak his mind, or admit that were living in a police state. | | | A)| Slippery slope| | | B)| Burden of proof| | | C)| False dilemma| | | D)| Perfectionist fallacy| | | E)| Straw man| | | | | | | Bott om of Form Bottom of Form