Different writing systems Research Paper Example | Topics and Well Written Essays - 1500 words

Different writing systems - Research Paper Example This data analysis evolves around the number of words, spellings, and other developments. Moreover, the writing development of both languages is analyzed by using the composition component of the Two-way Immersion Narrative Writing Rubric Assessment. This confirms whether the students have acquired writing skills in both their native language and English concurrently. It depicts also an example of successful development of bilingualism and bi-literacy. Majority of educators in America find it hard to connect bilingual students with their writing system due to the code-switching technique used by those students. This refers to relating of an object in the current environment with the one that the student was used to in their previous environment. Bi-literacy has many positive effects, from facilitating the acquisition of an additional written language to allowing creative uses of writing systems. While it is, noticeable those bi-literates can outperform mono-literate native speakers o f their first language in L1 reading and writing. It is even more interesting that bi-literacy’s effects extend beyond written language, to include analyses of the spoken language and non-linguistic cognition. Sometimes things can go wrong, for instance, when the L2 orthographic input is misinterpreted and affects L2 pronunciation, which turns out to have positive effects. Bi-literates are also qualitatively different from mono-literates. This difference is evident in meta-linguistic awareness, but perhaps the most dramatic evidence comes from brain-imaging studies that show different activation patterns in bi-literates and mono-literates reading the same language, and from evidence that bi-literacy reduces biases in perception and thinking. Researchers need to look  at bi-literates with other language combinations to enhance fairness in their decision-making and problem solving. This

The housing crisis in the U.S Coursework Example | Topics and Well Written Essays - 1500 words

The housing crisis in the U.S - Coursework Example The current economic malaise in US constitutes an intertwined cobweb of factors hat have triggered a downturn in various economic dimensions and dynamics, on national and international scales. The crisis can be blamed on various factors characterizing the last 20 years period. The medium to short term triggers of the crisis can be traced back to 2005 when house prices surged and started dropping in late 2006.The crisis has burst the housing bubble which has even aggravated the current economic situation in the US which according to economists is already tantamount to a recession. The peak of the crisis heightened particularly remarkably in August 2008 with the U.S treasury declaring the collapsing housing financial system as the highly significant threat to the US economy.The raised foreclosure rates in the 2006-2007 period by US homeowners has resulted in a sub prime, mortgage, hedge and various fiscus dimensions even beyond the housing loaning systems. Many economic analyses have b een misguided in their attempt to break down and unravel the cobweb of factors leading to the build up of the economic and housing crisis held as most phenomenal after the great Depression in the 1970s in the US. Many analysts have attributed the collapse of the global financial system to the destabilisation of the mortgage and housing crisis. Salient provenances of the housing crisis which is inalienable from the economic crisis enlists in its core the lack of feasible and clairvoyant regulatory framework for the moderation and stabilisation as well as sustenance of the financial institutions in the US. The ramifications and ripples of the US economic crisis have swept across global landscapes owing to the long criticized financial system devised after the World wars in which the US economy is the heartbeat of global economic paradigm leaving the entire world susceptible to upheavals rocking the US economy. Root causes Steve Latter (2008) has listed the following as the top six causes of the financial crisis in their perceived order of significance. Although the first three are not directly related to the mortgage and housing paradigms the exploration of the housing or mortgage crisis in the US and in the state of Virginia particularly can not be intact without the streamlining of all variables of the multifaceted problem into perspective. 1. Indefinite and inaccurate regulatory edict which permitted financial firms to move to too high ratios of mortgage-backed securities to collateral debt. 2. The lack of substantial focuses on the banking and financial firms' ratio of assets to debt by banking and financial services company regulators. 3. New accounting regulations crafted Sarbanes Oxley (regulation passed after Enron) were too traditionalist resultantly leading to the undervaluation of assets like mortgage- securities. This in turn caused bank debtors to leverage on the bank. 4. Private companies and their leadership made lending decisions out of greed whilst also flouting money lending standards. This was done in the aims of pulling more interest returns by lending to clients who were in Latter's terms "very risky bets". 5. Consumers borrowed what was more that they could afford. The blame on this aspect can be applied on both the borrowers and the lenders although lenders are overly expected to be firm to principle and economic logic when making lending decisions. 6. Miscalculated financial law promulgations which for instance compelled financial institutions like Fannie Mae to avail more loans to lower income clients which amounted high risk money lending. The unraveling US housing financial system has seen the filing for bankruptcy by various mortgage firms like American Home Mortgage (AHM) which is ranked as the US 10th biggest home loan firm.