Make a title Essay Example | Topics and Well Written Essays - 750 words

Make a title - Essay Example In essence, child spanking is a shortcut to child disciplining which is not effective. Child spanking does more harm and little, if any, good. To begin with, spanking gives a wrong example to children. In disciplining a child, the approach should be positive. Children learn from what they observe their parents do. As a result therefore, when a child is spanked, the lesson learnt is that violence would solve problems. It may be perceived as a mode of bullying. The child could view it that, it would be right for an older person to hit a younger one. It would thus be dangerous for the child to grow under that perception. The parent in spanking aims to correct an action that is viewed as an act lower to the acceptable disciplinary standards. To the child, it would be another message sent. In most cases, it is notable that many mothers are of the view that the child should not be spanked. At times however, their child would engage in an act and they prompt to spank them. The spanking could thus be an act of low self-control. Now, is that the message that should be delivered to the child? One characteristic of discipline is self -control. It is what the child should learn. However, under spanking, the lesson is all different. Rob Walters’ states that, â€Å"When your child misbehaves or acts in ways that are defiant, inappropriate, or even dangerous, you want to show him that this behavior is unacceptable and needs to change. Spanking may seem like a direct and effective way to do that, but it also delivers other messages you dont want to be sent† (Walters) The relationship between the parent or guardian and the child is affected significantly. The trust after spanking would be lost. The child upon being spanked questions the love that her spanker has for her or him. The foundation for trust between the two is thus shaken. The child is frustrated and angry. The feelings would progress to the teenage

Financial and Investment Opportunity Essay Example | Topics and Well Written Essays - 2750 words

Financial and Investment Opportunity - Essay Example When assessing investment suitability, most advisers and investment managers take into consideration customer’s attitude to risk, but they fail to account appropriately for their capacity for loss. Therefore, this calls for financial consultants to assess the clients’ attitude towards risks during the evaluation of investments process using the most suitable tools. Discussion While assessing the individual’s attitude towards risks, the use of gender, age, parental background and even height is used to measure the willingness to take risks in general (Newell, Chan & Goodridge 2011, p 210-19). To better understand the attitude to risk by investors, data from previous research as well as field experiment, are used to assess these attitudes. The previous review is done in order to know the gaps to be filled while determining the attitudes towards risks. A random sample of clients that come to the bank as well as online banking clients are requested to fill in questionnaires. In this quest, to fill gaps, there are things that need to be taken in to consideration as the process of assessment is taking place. According to Mowbray (2011), gaps are bridged by focusing on some key themes such as the risk that a client is willing and able to tolerate, the client’s capacity for loss and identifying clients who are neither willing nor able to accept the risk of loss. Apart from that, the client’s requirements must be considered, and this involves collecting of information that includes the client’s investment knowledge, risk tolerance, investment horizon and the capacity to make regular contributions and meet extra collateral requirements where appropriate. Thereafter, every client’s information should be documented and appropriately updated on a continuous basis. In case a client does not give full information, it does not mean that the advisor cannot assess the client’s attitude towards risk. If the same advisor is not able to make the assessment, an explanation has to be made to the client on the limitation of assessment due to lack of information or the assumptions made in relation to advice given. After having the information of various clients, a hierarchy is developed to clarify their needs and the firm’s products. The upper levels of the hierarchy are solved to give a weighting scheme that determines the relative importance of each factor while determining the applicable portfolio. The lowest level of the hierarchy evaluates assets to give a portfolio applicable for a single investor’s problem (Bolster, Janjigia & Trahan, 1995). The most suitable portfolio is chosen by combining the local weights deri ved for every asset and weights given by the higher levels of the hierarchy (Saaty, 1980). The figure 1 below explains the hierarchy of needs and its possible matching products. Investment opportunities There are different types of investments and each work differently. The most common list of investments usually includes ISA, shares, unit trusts, property and shares and much more. This section describes the opportunities as well as giving advice to the clients while choosing investment that best suits their finances and other needs. The firm, as an investment bank, seeks to assist clients in raising capital by acting as the client’s agent in the securities issuance. The firm, also, can manage mergers and acquisitions for companies as well as provide subsidiary services, for example, derivatives trading, instruments of fixed income, foreign exchange, commodities equity securities and market making. Figure 1: Analytical Hierarchy