Essays on Income Households

Part 1

Part 2 I agree with Akers & Chingos (2014) that, “increases in lifetime incomes of college-educated Americans have more than kept pace with increase in debt loads.” According to their research, the average household with student debt has experienced an increase in annual income of $7400 while total debt increased by only eighteen thousand dollars. The statistics show that income of educated Americans has been increasing at a faster rate than the increase in student debt and the increased annual income can pay the additional debt within two to three years (Akers & Chingos, 2014). The increase in borrower’s income ...

Introduction

Vermont, Minnesota and Colorado have introduced transformative healthcare payment and delivery system reforms. The three regions have introduced deliberate measures to coordinate the healthcare insurance providers and health facilities to improve disease prevention and management. The reforms in the regions have the aims to lower the basic costs and enhance the desired healthcare results. The healthcare models in Colorado and Minnesota have introduced transformative, accountability and transparent approaches for the patients under the Medicaid program. On the other hand, Vermont has introduced the multi-payer programs with the objective of a consolidated healthcare financial system. This article focuses on the ...

Despite the pioneering efforts of African Americans in social work, their contributions to the profession and social welfare continue to be overlooked. Little is documented about their endeavors and the significant changes they have made over time. Rhonda Wells-Wilbon highlights the racial injustice by exploring the imminent contributions of Ophelia Settle Egypt. The thorough analysis reveals her pioneering efforts as a social worker, researcher, and educator. The author also illustrates potential ways of reaching out to low-income households using social work. In particular, Rhonda’s article pays attention to Egypt’s family planning endeavor amongst low-income African American households. ...

(Student’s Full Name)

According to Peter Capelli, “52% of U.S. employers surveyed say they have difficulty filling positions because of talent shortages” (par. 10). However, at the time that The Wall Street Journal article was written the unemployment rate was around 9%. The writer explains further that American employers are still complaining about “talent shortages” because they would like to employ persons who do not require any “training or ramp-up time” (Capelli par. 10). These employers hardly hire anyone despite having an “abundance of workers to choose from” (Capelli par. 10). The unwillingness of U.S. employers to hire ...

If I had an opportunity to advise a presidential candidate on the preparation of children for college, I would stress the importance of reforming education funding policies. The current policies do not create equitable access to education leading to an amplification of the wealth gap. The tuition fees and other costs have been rising disadvantaging the poor. Lyndsey (2015) reported about the federal data of 2013 stating that for the past fifty years, a majority of the public school students from prekindergarten to the 12th grade came from low-income households with 51% being eligible for the federal program offering ...

Introduction

The Greater Toronto Area has been recognized as one of the most affected provinces in Canada by poverty. This aspect contrasts the distinct image the rest of the world has with regards to the region, especially of Toronto. Stapleton (2015) indicates that Toronto’s economy accounts for almost 11% of the country’s GDP with its exports equaling close to $70 billion in products and services. In addition, it is also a hub for Information and Communication Technology as well as Canada’s media and financial center. As a result, the population in the city is comprised of wealthy ...

Social issues cut across a large spectrum of our daily lives, cutting across from human to local area development. In the exploration of considering topics to research on, the researcher looked at the topics which are most relevant to this generations and future generations and settled on these three areas: these are potential topics that were looked into

Child Abuse

Teenage Pregnancy HIV Child abuse The first topic was Child abuse which is a term used to refer to mistreatment and acts of affliction on children. These are acts conducted by caregivers, guardians and parents of the child that often results ...

Social issues cut across a large spectrum of our daily lives, cutting across from human to local area development. In my exploration of considering topics to research on, looked at the topics which are most relevant to this generations and future generations. Settled on these three areas: this is potential topics looking into

Child Abuse

Teenage Pregnancy HIV Child abuse The first topic was Child abuse is a term used to refer to mistreatment and acts of affliction on children. These are acts conducted by caregivers, guardians and parents of the child that often results to real problems and harm to ...

Introduction

Founded more than 70 years ago, the Westside Community Schools is an award-winning district (District 66) situated in Omaha, Nebraska. The schools serve a broad range of school-going children from pre-school to 12th grade. In the academic year 2013-2014, the district recorded an enrollment of 6, 173 pupils (Westside Community Schools, 2016). Westside comprises ten neighborhood elementary schools (pre-school and kindergarten), a secondary Career Center for grades 10-12, a middle school for grade 7-8, and a high school for grades 9-12 (Westside Community Schools, 2016). Westside also operates Before- and After-School Age programs such as full-day care services, preschool ...

The two articles bring into perspective how the economic position of the United States of America has affected promptly the welfare of workers in the American job market. The question of whether the American Dream is attainable or it is just a perception that most people have in their mind. It is in this regard that the American economy has deteriorated over the years and has emerged to level disappointments among the citizens and migrants who aimed at making it in the country. Income inequality is one of the vices affecting the American economy, leaving the country that was ...

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 ...

Definition of the microcredit

Microcredit is the main tool of the microfinance concept, which is considered to be invented by the Professor Mohammad Yunus, the founder of Grameen Bank in Bangladesh. As it is stated on the Crammen Bank web page, a microcredit is a program of small loans, offered to the poorest people so that they could generate income through self-employment projects (Grameen Bank, 2012). Microcredit can be also defined as a small loan to poorer households or small entrepreneurs, that lack steady employment and a verifiable credit history. In most cases microcredit does not require any collateral, as its target audience ...

Introduction

Although technological revolutions continue to transform the industrialized world, the development of industry has not been without its negative consequences, such as Global Warming. The scientific community has come to view carbon dioxide as one of the main contributors to the phenomenon of global warming. Showing great concern and initiative to tackle this problem head on, the Canadian government has proposed several solutions, including the imposition of the Carbon tax. By taxing companies based on the greenhouse gas emissions generated from the fossil fuels they burn, the government and environmental groups believe this policy can help to control the ...

Education has done little to improve social mobility. To what extent does this statement provide an accurate reflection of the role of education in contemporary Britain?

Introduction

The impact of education on equal opportunities and social mobility has been an important concern thoroughly explored in the field of sociology. An early British sociologist of education, Olive Banks, systematically tackled the issue of how an educational institution that establish hierarchy in schools in accordance to a hierarchical labour market could bring about 'parity of prestige' or, in simple term, equal opportunity (Irvin, 2008). There are conclusive sociological findings which reveal how ...