السبت، 1 سبتمبر 2012
Short selling
Day care
Children
Western society
It is traditional in Western society for children to be taken care of by their parents or their legal guardians. In families where children live with one or both of their parents, the childcare role may also be taken on by the child's extended family. If a parent or extended family is unable to care for the children, orphanages and foster homes are a way of providing for children's care, housing, and schooling.
The two main types of child care options for employed parents needing childcare are centre-based care (including creches, daycare, and preschools) and home-based care (also known as nanny or family daycare). As well as these licensed option's parents may also choose to find their own caregiver or arrange childcare exchanges/swaps with another family.[1]
In-home care typically is provided by nannies, au-pairs, or friends and family. The child is watched inside their own home or the caregiver's home, reducing exposure to outside children and illnesses. Depending on the number of children in the home, the children utilizing in-home care enjoy the greatest amount of interaction with their caregiver, forming a close bond. There are no required licensing or background checks for in-home care, making parental vigilance essential in choosing an appropriate caregiver. Nanny and au-pair services provide certified caregivers and the cost of in-home care is the highest of childcare options per child, though a household with many children may find this the most convenient and affordable option.
At the same time, a nanny or au-pair is not always the best methods of childcare. It confines the child into a world of their own. It keeps them from interacting with other children a lot of the time. As mentioned the caregivers do not need licenses or background checks so there is no way of telling if a person is really qualified or has a criminal background (unless you live in a country where there is an option of obtaining home-based care through a government licensed and funded agency). These things should be taken in consideration when making a choice.
Family child care is provided from a care giver's personal home, making the atmosphere most similar to a child's home.[2] State licensing requirements vary, so the parent should conduct careful interviews and home inspections, as well as complete a background check on the caregiver's license. Any complaints against the caregiver will be documented and available for public record. Family care (depending upon the relative levels of state subsidy for centre-based care) is generally the most affordable childcare option, and offers often greater flexibility in hours available for care. In addition, family care generally has a small ratio of children in care, allowing for more interaction between child and provider than would be had at a commercial care center.
Characteristics gold
Jewelry
Monetary exchange
Market participants
Market participants include individual retail investors, institutional investors such as mutual funds, banks, insurance companies and hedge funds, and also publicly traded corporations trading in their own shares. Some studies have suggested that institutional investors and corporations trading in their own shares generally receive higher risk-adjusted returns than retail investors.[7]
A few decades ago, worldwide, buyers and sellers were individual investors, such as wealthy businessmen, usually with long family histories to particular corporations. Over time, markets have become more "institutionalized"; buyers and sellers are largely institutions (e.g., pension funds, insurance companies, mutual funds, index funds, exchange-traded funds, hedge funds, investor groups, banks and various other financial institutions).
The rise of the institutional investor has brought with it some improvements in market operations. There has been a gradual tendency for "fixed" (and exorbitant) fees being reduced for all investors, partly from falling administration costs but also assisted by large institutions challenging brokers' oligopolistic approach to setting standardised fees.
Derivative instruments
Financial innovation has brought many new financial instruments whose pay-offs or values depend on the prices of stocks. Some examples are exchange-traded funds (ETFs), stock index and stock options, equity swaps, single-stock futures, and stock index futures. These last two may be traded on futures exchanges (which are distinct from stock exchanges—their history traces back to commodities futures exchanges), or traded over-the-counter. As all of these products are only derived from stocks, they are sometimes considered to be traded in a (hypothetical) derivatives market, rather than the (hypothetical) stock market.
Taxation
According to much national or state legislation, a large array of fiscal obligations are taxed for capital gains. Taxes are charged by the state over the transactions, dividends and capital gains on the stock market, in particular in the stock exchanges. However, these fiscal obligations may vary from jurisdictions to jurisdictions because, among other reasons, it could be assumed that taxation is already incorporated into the stock price through the different taxes companies pay to the state, or that tax free stock market operations are useful to boost economic growth.[citation needed]
السبت، 25 أغسطس 2012
The value of unpaid child care
Parents and mothers especially spend a significant amount of time
raising their children. These mothers nurture and develop their children
into being functional members of society- hard work that is not
motivated by monetary gain. For centuries it has been assumed that women
will stay home and take care of the children while their husbands go
out and work. In most cases, the husbands get all the credit for
providing for the family. However, their homemaker wives deserve just as
much credit for their care work. Caregivers do not receive monetary
compensation and they must pay a ‘care-penalty.[10]’
A care-penalty is the price one pays for doing care work for a family member. Care giving demands a lot out of an individual, and as a result there is a high opportunity cost. The opportunity cost can relate to both time and money. Instead of taking care of a family member, a caregiver could spend time working or performing more leisure activities. Care penalties are not strictly related to childcare- they can also refer to taking care of a sick family member, babysitting a younger sibling, or taking an elderly family member to his/her doctor’s appointments.
Studies have been done to get an annual salary estimate for a female caregiver. One reputable survey suggested that the value of a female caregiver’s work would be $117,867 per year.[11] The reason for the high salary is because mothers typically perform about 10 different job functions throughout the week. These job functions can include: cooking, cleaning, driving, and laundry among other duties. A nanny wouldn’t make nearly as much money, but they would be putting in fewer hours and performing fewer duties.
It is important to assess the value of caregivers because they are what truly make society function,[12] and oftentimes their work is under-appreciated. They prepare the next generation for school, work, and decision-making. A child’s entire future largely depends on how he/she was nurtured. Not only does the child depend on this care, but the schools and employers also depend on the childcare. The government also benefits because these children will eventually become taxpayers, congressmen, and voters. Eventually, they will be the ones running the country. The value of unpaid childcare is also an important figure in various legal entities. Expert witnesses (most often economists) are occasionally brought into court cases to give estimates on the value of unpaid labor. By giving estimation, the plaintiff or defendant can be fairly compensated for their labor.
A care-penalty is the price one pays for doing care work for a family member. Care giving demands a lot out of an individual, and as a result there is a high opportunity cost. The opportunity cost can relate to both time and money. Instead of taking care of a family member, a caregiver could spend time working or performing more leisure activities. Care penalties are not strictly related to childcare- they can also refer to taking care of a sick family member, babysitting a younger sibling, or taking an elderly family member to his/her doctor’s appointments.
Studies have been done to get an annual salary estimate for a female caregiver. One reputable survey suggested that the value of a female caregiver’s work would be $117,867 per year.[11] The reason for the high salary is because mothers typically perform about 10 different job functions throughout the week. These job functions can include: cooking, cleaning, driving, and laundry among other duties. A nanny wouldn’t make nearly as much money, but they would be putting in fewer hours and performing fewer duties.
It is important to assess the value of caregivers because they are what truly make society function,[12] and oftentimes their work is under-appreciated. They prepare the next generation for school, work, and decision-making. A child’s entire future largely depends on how he/she was nurtured. Not only does the child depend on this care, but the schools and employers also depend on the childcare. The government also benefits because these children will eventually become taxpayers, congressmen, and voters. Eventually, they will be the ones running the country. The value of unpaid childcare is also an important figure in various legal entities. Expert witnesses (most often economists) are occasionally brought into court cases to give estimates on the value of unpaid labor. By giving estimation, the plaintiff or defendant can be fairly compensated for their labor.
الجمعة، 24 أغسطس 2012
Gold
Gold (
/ˈɡoʊld/) is a dense, soft, shiny, malleable and ductile metal. It is a chemical element with the symbol Au and atomic number 79.
Pure gold has a bright yellow color and luster traditionally considered attractive, which it maintains without oxidizing in air or water. Chemically, gold is a transition metal and a group 11 element. It is one of the least reactive chemical elements solid under standard conditions. The metal therefore occurs often in free elemental (native) form, as nuggets or grains in rocks, in veins and in alluvial deposits. Less commonly, it occurs in minerals as gold compounds, usually with tellurium.
Gold resists attacks by individual acids, but it can be dissolved by the aqua regia (nitro-hydrochloric acid), so named because it dissolves gold. Gold also dissolves in alkaline solutions of cyanide, which have been used in mining. Gold dissolves in mercury, forming amalgam alloys. Gold is insoluble in nitric acid, which dissolves silver and base metals, a property that has long been used to confirm the presence of gold in items, giving rise to the term the acid test.
Gold has been a valuable and highly sought-after precious metal for coinage, jewelry, and other arts since long before the beginning of recorded history. Gold standards have been the most common basis for monetary policies throughout human history[citation needed], being widely supplanted by fiat currency starting in the 1930s. The last gold certificate and gold coin currencies were issued in the U.S. in 1932. In Europe, most countries left the gold standard with the start of World War I in 1914 and, with huge war debts, failed to return to gold as a medium of exchange.
A total of 165,000 tonnes of gold have been mined in human history, as of 2009.[2] This is roughly equivalent to 5.3 billion troy ounces or, in terms of volume, about 8500 m3, or a cube 20.4 m on a side. The world consumption of new gold produced is about 50% in jewelry, 40% in investments, and 10% in industry.[3]
Besides its widespread monetary and symbolic functions, gold has many practical uses in dentistry, electronics, and other fields. Its high malleability, ductility, resistance to corrosion and most other chemical reactions, and conductivity of electricity led to many uses of gold, including electric wiring, colored-glass production and even gold leaf eating.
It has been claimed that most of the Earth's gold lies at its core, the metal's high density having made it sink there in the planet's youth. Virtually all of the gold that mankind has discovered is considered to have been deposited later by meteorites which contained the element. This supposedly explains why, in prehistory, gold appeared nuggets on the earth's surface[4][5][6][7][8].
/ˈɡoʊld/) is a dense, soft, shiny, malleable and ductile metal. It is a chemical element with the symbol Au and atomic number 79.Pure gold has a bright yellow color and luster traditionally considered attractive, which it maintains without oxidizing in air or water. Chemically, gold is a transition metal and a group 11 element. It is one of the least reactive chemical elements solid under standard conditions. The metal therefore occurs often in free elemental (native) form, as nuggets or grains in rocks, in veins and in alluvial deposits. Less commonly, it occurs in minerals as gold compounds, usually with tellurium.
Gold resists attacks by individual acids, but it can be dissolved by the aqua regia (nitro-hydrochloric acid), so named because it dissolves gold. Gold also dissolves in alkaline solutions of cyanide, which have been used in mining. Gold dissolves in mercury, forming amalgam alloys. Gold is insoluble in nitric acid, which dissolves silver and base metals, a property that has long been used to confirm the presence of gold in items, giving rise to the term the acid test.
Gold has been a valuable and highly sought-after precious metal for coinage, jewelry, and other arts since long before the beginning of recorded history. Gold standards have been the most common basis for monetary policies throughout human history[citation needed], being widely supplanted by fiat currency starting in the 1930s. The last gold certificate and gold coin currencies were issued in the U.S. in 1932. In Europe, most countries left the gold standard with the start of World War I in 1914 and, with huge war debts, failed to return to gold as a medium of exchange.
A total of 165,000 tonnes of gold have been mined in human history, as of 2009.[2] This is roughly equivalent to 5.3 billion troy ounces or, in terms of volume, about 8500 m3, or a cube 20.4 m on a side. The world consumption of new gold produced is about 50% in jewelry, 40% in investments, and 10% in industry.[3]
Besides its widespread monetary and symbolic functions, gold has many practical uses in dentistry, electronics, and other fields. Its high malleability, ductility, resistance to corrosion and most other chemical reactions, and conductivity of electricity led to many uses of gold, including electric wiring, colored-glass production and even gold leaf eating.
It has been claimed that most of the Earth's gold lies at its core, the metal's high density having made it sink there in the planet's youth. Virtually all of the gold that mankind has discovered is considered to have been deposited later by meteorites which contained the element. This supposedly explains why, in prehistory, gold appeared nuggets on the earth's surface[4][5][6][7][8].
Stock market
A stock market or equity market is a public entity (a
loose network of economic transactions, not a physical facility or
discrete entity) for the trading of company stock (shares) and derivatives at an agreed price; these are securities listed on a stock exchange as well as those only traded privately.
The size of the world stock market was estimated at about $36.6 trillion at the beginning of October 2008.[1] The total world derivatives market has been estimated at about $791 trillion face or nominal value,[2] 11 times the size of the entire world economy.[3] The value of the derivatives market, because it is stated in terms of notional values, cannot be directly compared to a stock or a fixed income security, which traditionally refers to an actual value. Moreover, the vast majority of derivatives 'cancel' each other out (i.e., a derivative 'bet' on an event occurring is offset by a comparable derivative 'bet' on the event not occurring). Many such relatively illiquid securities are valued as marked to model, rather than an actual market price.
The stocks are listed and traded on stock exchanges which are entities of a corporation or mutual organization specialized in the business of bringing buyers and sellers of the organizations to a listing of stocks and securities together. The largest stock market in the United States, by market capitalization, is the New York Stock Exchange (NYSE). In Canada, the largest stock market is the Toronto Stock Exchange. Major European examples of stock exchanges include the Amsterdam Stock Exchange, London Stock Exchange, Paris Bourse, and the Deutsche Börse (Frankfurt Stock Exchange). In Africa, examples include Nigerian Stock Exchange, JSE Limited, etc. Asian examples include the Singapore Exchange, the Tokyo Stock Exchange, the Hong Kong Stock Exchange, the Shanghai Stock Exchange, and the Bombay Stock Exchange. In Latin America, there are such exchanges as the BM&F Bovespa and the BMV.
Market participants include individual retail investors, institutional investors such as mutual funds, banks, insurance companies and hedge funds, and also publicly traded corporations trading in their own shares. Some studies have suggested that institutional investors and corporations trading in their own shares generally receive higher risk-adjusted returns than retail investors.[4]
The size of the world stock market was estimated at about $36.6 trillion at the beginning of October 2008.[1] The total world derivatives market has been estimated at about $791 trillion face or nominal value,[2] 11 times the size of the entire world economy.[3] The value of the derivatives market, because it is stated in terms of notional values, cannot be directly compared to a stock or a fixed income security, which traditionally refers to an actual value. Moreover, the vast majority of derivatives 'cancel' each other out (i.e., a derivative 'bet' on an event occurring is offset by a comparable derivative 'bet' on the event not occurring). Many such relatively illiquid securities are valued as marked to model, rather than an actual market price.
The stocks are listed and traded on stock exchanges which are entities of a corporation or mutual organization specialized in the business of bringing buyers and sellers of the organizations to a listing of stocks and securities together. The largest stock market in the United States, by market capitalization, is the New York Stock Exchange (NYSE). In Canada, the largest stock market is the Toronto Stock Exchange. Major European examples of stock exchanges include the Amsterdam Stock Exchange, London Stock Exchange, Paris Bourse, and the Deutsche Börse (Frankfurt Stock Exchange). In Africa, examples include Nigerian Stock Exchange, JSE Limited, etc. Asian examples include the Singapore Exchange, the Tokyo Stock Exchange, the Hong Kong Stock Exchange, the Shanghai Stock Exchange, and the Bombay Stock Exchange. In Latin America, there are such exchanges as the BM&F Bovespa and the BMV.
Market participants include individual retail investors, institutional investors such as mutual funds, banks, insurance companies and hedge funds, and also publicly traded corporations trading in their own shares. Some studies have suggested that institutional investors and corporations trading in their own shares generally receive higher risk-adjusted returns than retail investors.[4]
Effects on child development
For many, the use of paid childcare is a matter of choice with
arguments on both sides about whether this is beneficial or harmful[6] to children.
The first few years of a child's life are important to form a basis for good education, morality, self-discipline and social integration. Consistency of approach, skills and qualifications of careers have been shown in many studies to improve the chances of a child reaching his or her full potential. ChildForum provides the following practical advice for parents when making their childcare programme decision: (1) Do not make a final decision too quickly. You may get a misleading impression if you base your decision on what the advertisement or the brochures say, or what you are told on the phone. (2) Have a trial period. If you are considering enrolling at a centre or home-based service have some short visits with your child before officially starting and stay with your child to observe. Also have some spontaneous/unscheduled visits, “We were just passing and thought we would pop in to say hi”. (3) If you are employing a nanny or caregiver in your own home ask the person to come for an hour or two over three to five days or to do some childcare so you can get a feel for if this person is a good fit for your child and for you. (4) If the childcare arrangement does not live up to your expectations or if you find it does not work out as well you had expected do not feel embarrassed or shy about withdrawing your child or asking for a change. If you think your child may be experiencing harm or is at risk discontinue using the childcare immediately. Put your child first and before any personal obligations to the teachers, nanny, or service.[7]
The choice of childcare can be extremely difficult, even traumatic for parents. Social scientists have recently started drawing on popular folktales such as urban legends in order to uncover some of the complex socio-psychological elements in the decision, which is often more protracted and involved for middle-class parents.[8] Here it is also possible to see the influence of older story-telling elements such as Grimm's Fairy Tales where children learn about the dangers of allowing strangers into the home.
For example, a recent study in Australia[9] concluded that centers run by corporate chains provided the lowest quality care when compared to community-based providers and independent private centers.
The first few years of a child's life are important to form a basis for good education, morality, self-discipline and social integration. Consistency of approach, skills and qualifications of careers have been shown in many studies to improve the chances of a child reaching his or her full potential. ChildForum provides the following practical advice for parents when making their childcare programme decision: (1) Do not make a final decision too quickly. You may get a misleading impression if you base your decision on what the advertisement or the brochures say, or what you are told on the phone. (2) Have a trial period. If you are considering enrolling at a centre or home-based service have some short visits with your child before officially starting and stay with your child to observe. Also have some spontaneous/unscheduled visits, “We were just passing and thought we would pop in to say hi”. (3) If you are employing a nanny or caregiver in your own home ask the person to come for an hour or two over three to five days or to do some childcare so you can get a feel for if this person is a good fit for your child and for you. (4) If the childcare arrangement does not live up to your expectations or if you find it does not work out as well you had expected do not feel embarrassed or shy about withdrawing your child or asking for a change. If you think your child may be experiencing harm or is at risk discontinue using the childcare immediately. Put your child first and before any personal obligations to the teachers, nanny, or service.[7]
The choice of childcare can be extremely difficult, even traumatic for parents. Social scientists have recently started drawing on popular folktales such as urban legends in order to uncover some of the complex socio-psychological elements in the decision, which is often more protracted and involved for middle-class parents.[8] Here it is also possible to see the influence of older story-telling elements such as Grimm's Fairy Tales where children learn about the dangers of allowing strangers into the home.
For example, a recent study in Australia[9] concluded that centers run by corporate chains provided the lowest quality care when compared to community-based providers and independent private centers.
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