Acharya College Essays Samples For Students

Global Financial Crisis in the US

Introduction
It was hard for the economists, professional analysts and policymakers among other players in the financial industry to foresee the crisis in the US mortgage lending industry in 2007 that resulted in the world's worst economic recession in two years' time (Sher and Iyanatul 2010). Initially, there was a housing bubble characterized by high house prices, low-interest rates, more support for subprime mortgage and increased speculation by the buyers (Acharya and Schnabl 2010). Eventually, there were decline of house market prices, increased lending rates and increased default and foreclosures by the mortgagors (John 2009). Notably, by mid-2008 the ...

The major financial crisis of 2007-2008 was caused by vending Fannie Mae-backed hypothecation packages, commercial real estates and the misuse of credit default swaps. Under the commercial real estate, the speculative real estate bubble in those years went beyond residential homes to affect all kinds of commercial real estate’s (Conserverpedia, 2013). To the extreme the bubble also affected office buildings, shopping centers, apartment complexes, casinos and hotels. This was characterized by people buying high with expectations of selling even higher. Contrary to their expectation, the market collapsed. The real estate creditors were expecting to get a 20% return but ...

Introduction

The financial crisis of 2007/9 was the worst in the U.S. since the Great Depression of the 1930s. It was the cause of the failure of some of the biggest financial institutions including Washington Mutual which was closed in 2008, and its assets transferred to JP Morgan. In 2008, the crisis reached its peak with loans dropping dramatically to the lowest levels to be witnessed in a half a century. For example, new loans to large borrowers fell by 47 percent in the fourth quarter of 2008 as compared to the previous quarter and by 79 percent relative to ...

The air travel remains to be the most preferred means of transport in the world today. However, managing the operations in the air industry is one of the most challenging tasks given. This due to the fact that there are several challenges that affect a smooth running of the daily operations including technical failures, human errors and unforeseen natural calamities. Problems caused by human factors include technical failures as a result of an improperly fixed aircraft or a runway collision resulting from ground operator errors among other factors.
Naturally caused woes, on the other hand, involve weather related problems such as ...

Dreams have continued to marvel human conscience since antiquity retaining their mystical attraction. They have continued to remain a mystery to human beings sometimes having a pleasing, as well as scaring and terrorizing effect. It has been estimated that an average human being spends a third of his/her life asleep. However, while sleeping the human brain stays active sorting various issues, filing and discarding the thoughts and images gathered, while active during the day. This happen involuntarily, creating sensations, emotions, ideas and images when one is asleep (Acharya para 2).
These dreams have an effect on individual various aspects of life ...

Creativity Fails: How To Wreck The Housing Market

On June 5, 1995, at 11:50 A.M., in the East Room at the White House, President Bill Clinton delivered his speech “Remarks on the National Homeownership Strategy”, in which he stated: “The goal of this strategy, to boost home ownership to 67.5 percent by the year 2000, would take us to an all-time high, helping as many as 8 million American families across that threshold” (Peters, G., & Woolley, J. T., 1995). To facilitate such goal, President Clinton eliminated regulatory barriers and stimulated the financial sector to find creative ways of increasing home ownership of low-income Americans (Rajan, 2010, p. ...

Human Genome Evolution and Disease

Genome evolution is one of the key aspects that have helped determine the overall position of human beings from a scientific perspective, as it focuses more on providing scientists with an understanding of the changes occurring within the human body (Tomkins, 2016, p.261). The study of genome evolution has focused more on evaluating the changes in structure, otherwise referred to as a sequence, and size of the human gene within a given period. The study provides scientists with a better understanding of the changes occurring within the human body as well as some of the changes that human beings ...

Objective one

Data integrity to the ability of the data collected to be complete, accurate and consistent. In other words, the data remains unaltered and intact. The health records need to depict such characteristics for they serve a lot of purpose concerning detecting trends which in turn are used to implement policies and guidelines for improving health care practices (Perkins & Schmidt, 2012). The health records are electronic, and so there is need to update the information regularly to ensure accuracy. Therefore, the first policy is to provide the accurate identity of the patients either via their identity cards or driving licenses. ...

Introduction

Promoting democracy is not a new phenomenon to many countries. Developed democracies all over the world appreciate the significance of promoting democracy because of its importance in developing foreign policies. Moreover, democracy is much related to politics because it is linked to authority and legitimacy in the world of politics. Politics are linked to international conflicts by global governance and global civil society address issues. More so, the democratic level of the decision-making process within international organizations determines the relationship between democracy and politics (Ribeiro-Hoffmann). The issue of promoting democracy on the international level has not been taken seriously by ...

Power Distance

After the study of 88,000 IBM employees working in sixty-six countries in different parts of the world, Hofstede Geert—a Dutch cultural anthropologist—ranked countries in a scale of one to a hundred on individualism versus collectivism, uncertainty avoidance, power distance, and masculinity-femininity (Hofstede, 2001).

Through his research, Hofstede Geert developed four cultural dimensions, which are very useful when analyzing a country’s cultural value. This research paper provides an in-depth discussion into one of the cultural dimensions developed by Hofstede, power distance. In addition, this research paper investigates the implication of power distance on the attitudes and behavior of learners.

Power ...