Should You Earn a Risk Management Degree

A risk management degree is a type of academic degree awarded to students who have completed a postsecondary degree program with an emphasis on risk management. Risk management degrees can be obtained from a college, university, or business school. Types of Risk Management Degrees There are four basic types of risk management degrees that can be earned from a college, university or business school. A bachelors degree is usually the minimum requirement for risk management personnel. However, a masters or MBA degree may be better suited for some positions. Bachelors Degree: A bachelors degree in risk management or a bachelors degree in business administration with an emphasis on risk management are solid options for undergraduates who want to work in risk management. These programs generally take four years to complete, but can take as little as three years or as long as six years, depending on the program you choose and the amount of time you want to invest in your studies each week.Masters Degree: A masters degree in risk management could be the logical next step for students who have already earned a bachelors degree but want to further their career or knowledge of risk management. Most masters programs take two years to complete.Master of Business Administration: An MBA with a focus on risk management will also be an asset to students who want to work in the business or insurance fields. Students will take a core set of business courses along with specialized courses in risk management. MBA programs usually take two years to comple te. One-year and part-time programs are also available.Doctorate Degree: Students who would like to earn the highest degree possible may go on to earn a doctorate or PhD in risk management. This degree is best suited for risk managers who would like to teach or work in academic research. A doctorate or PhD program can take several years to complete. Studying  Risk Management Risk management is important to the success of every business. Managers need to be able to  anticipate their liabilities to develop strategic business and financial plans.  They must be able to diversify, hedge, and ensure against risks at every turn.  The study of risk management involves learning how to identify, assess, and manage financial risks for an organization or project. While enrolled in a risk management program, youll focus on the different tools and techniques used in this field and learn how to communicate risk management recommendations to key decision-makers. Choosing a Risk Management Degree Program Choosing a risk management degree program is just like choosing any other academic program. You need to weigh a lot of information to make the right choice. Specific things to consider include the size of the school, program reputation, career placement, faculty expertise, student support, and post-graduation resources and opportunities. It is also important to find an accredited program. Accreditation ensures that you will get a quality education and earn a degree recognized by employers. Risk Management Careers Most students who get a risk management degree go on to work as risk managers. They may work as consultants or in a more permanent position within the risk management or employee benefits departments of  a specific company.  Responsibilities may include analyzing and controlling financial risk. Risk management professionals may use various strategies, such as hedging, to offset or limit an estimated financial loss. Specific career titles can include: Risk Manager: Risk Manager is a generic title for many people who work in risk management related careers. Risk management personnel may work with insurance, securities, investments, and other financial vehicles. They typically supervise operations or one or more people.Risk Specialist: A Risk Specialist has many of the same duties as a risk manager but usually specializes in a very specific area of risk management, such as real estate risk management or healthcare risk management.Actuary: An actuary is a statistician specifically trained in risk management. Job duties may include analyzing data to quantify risk. More than 60 percent of actuaries are employed by insurance companies. Risk Management Certifications You do not have to become certified to work as a risk manager--most employers do not demand it. However, there are several risk management certifications that can be earned. These designations look impressive on a resume and could help you earn more money or secure a position before a competing job applicant.

The Great Gatsby By F. Scott Fitzgerald - 1407 Words

Change can be both good and bad. Change is constantly occurring and has occurred for centuries. The 1920s were a period of great social, political, and technological change in United States (Roaring Twenties†). The Great War had just ended, and America exited the war victorious. Society was becoming more and more social and the economy was booming. Art, design, and especially architecture were becoming more modern due to the occurring Art Deco Movement. And many people had obtained or were close to obtaining their â€Å"American Dream.† In his novel The Great Gatsby, F. Scott Fitzgerald, through the use of his narrator Nick Carraway, a stock broker from the Midwest who is currently living in New York, describes the American Dream of Jay Gatsby†¦show more content†¦However, Art Deco was focused more on angular, geometric shapes, abstract patterns and a slick technological look (Striner 23). The main goal of the Art Deco movement was to â€Å"[serve] as an import ant channel between radical and traditionalist design responses to twentieth-century challenges† (Striner 21). With the constant changes happening in society it was hard to find a balance, and the Art Deco movement was an attempt to find that balance between traditionalism and modernism (Striner 24). Traditionalists were typically conservative, religious people from rural areas. They wanted to preserve their traditional and religious values (Là ¼sted 12). Modernists however, embraced the social change and advocated new ideologies, such as, liberalism, the sexual revolution, atheism, evolution, and socialism. Modernists were typically young, urban people who rejected traditional restrictions and values, especially those surrounding gender roles (Là ¼sted 12). In Fitzgerald’s novel the traditionalists are represented by the people of East Egg like Tom and Daisy Buchanan who come from money and do not really have to work in order to be successful. The modernists are repr esented by the people of West Egg such as Jay Gatsby and Nick Carraway who did not necessarily come from a lot of money and had to work in order to become successful. They are the people who have dreams and have to work hard in order to achieve those dreams. Much like how the traditionalists frequently did not see eye

Ethnicity and Race are significant problems in education Free Essays

string(45) " the instruction system has been structured\." There are many points to be discussed when mentioning to race and ethnicity in instruction, some of the points are in favor of ethnics and minority groups in instruction, whereas some points are against the thought. In this essay, I will show my points for both in favor and against, followed by illustrations and grounds in our mundane lives. One of the points for the thought of cultural minorities in instruction is extinguishing racism from schools and conveying kids up in a multi-cultural environment. We will write a custom essay sample on Ethnicity and Race are significant problems in education or any similar topic only for you Order Now For illustration, 30-40-years ago, back when my parents were analyzing in the UK, I know my pa was one of the three people who wore a turban in the whole school, subsequently on this became two people, as he was picked on which so pressured him into cutting his hair. However, in today ‘s twenty-four hours and age there are evidently more cultural minority groups in schools which hence, gives more support and encouragement to other cultural minority groups. So holding multiracial groups whether they are pupils or instructors, has had a immense impact on Asians in peculiar as it had made them to be proud of who they are every bit good as non giving into peer force per unit area. On the other manus this could besides convey in negative encouragement as it could ensue in strong forces in-society or group ties. This could besides use to a functionalism position where they think that an single transmits values and beliefs, where these are indispensable constituents of societal make up and can take into the struggle position as groups in society are engaged in uninterrupted power battle for control of limited resources. Accents have proven to be a big obstruction with respects to cultural minorities in instruction, whether it is understanding both instructor ‘s and a pupil ‘s speech pattern. As we are all cognizant, communicating is a critical accomplishment today. It is non merely indispensable in larning but besides indispensable in maintain relationships. A difference in speech patterns could do a great degree of misinterpretation and the ability to larn at a much slower gait compared to other pupils, therefore impeding a pupil ‘s ability to larn from a instructors point of position, it will be hard and very clip devouring for his/her pupils to understand what is being taught. This could besides ensue in the instructor and/or pupils losing forbearance every bit good as assurance. However, contrary to that, there are many illustrations of some well-established people in the cultural minorities who have made a difference to people ‘s lives, every bit good as besides doing singular alterations to the universe. This highlights another point in favor of holding cultural minorities involved in instruction. For illustration Mahatma Ghandi and Martin Luther King, both preached non force, civil rights and equality. Although these people were non straight involved in instruction, they did hold a portion to play as they were sermonizers and taught wellbeing, which shows that they are instructors in educating people how to populate. Schools have started to learn about other faiths and other races, which mean that people now have a better thought and apprehension of different cultural backgrounds. This has caused peace and friendly relationship between races at school which has resulted in less communicating, less racial cause and force in schools. There are school athleticss squads which encourage all pupils of all backgrounds to take portion in, demoing equality and they are all given opportunities to take part and stand for their schools non based on their coloring material or background, but based on their single endowments, so excess course of study activities are utile and besides promote cultural minorities. Some schools and colleges have now besides built supplication suites to suit people of the Muslim religion. This consequences in instruction and society going multicultural, accepting people of all religions. This thought has a strong component of societal building, back uping an interactionist positio n as society is created through the interactions of persons and groups, where persons portion interpret their experiences which this influences others actions. School ‘s have been learning pupils about other spiritual festivals in other faiths e.g. Diwali and Eid to the extent, some schools bring in particular invitee talkers from the several faiths to acquire a full detailed, descriptive and an accurate overview of their festivals one time once more advancing multi-cultural positions in instruction. As we discussed earlier with respects to speech patterns, a batch is really stereotyped. For illustration we ‘see ‘ an person from the cultural minority and automatically presume what his address is like, what his intelligence is like. However as we have merely discovered, 2 of the universe ‘s greatest leaders have been of cultural beginnings and their speech pattern or them being stereotyped did non forestall them from accomplishing what they have achieved boulder clay day of the month. For case, Margaret Thatcher was the first female premier curate in England ; people thought that merely because she was a adult female, she could non win which they assumed. Again, same with Barack Obama the first African American president, people assumed the same. Persons did non cognize these people or even heard of them, but they still made their judgements and premises. Now, we have female professionals, Black leaders and besides Asiatic enterprisers where each of them are succ essful which leads me on to cite in my sentiment that there is no such thing as sexism or racism any longer. Furthermore, the thought of meritocracy could besides back up this as it theoretically ground tackles in equality and equity to carry through achieved position in society. This is expressed through the belief that there is ‘a flat playing field ‘ and with the purpose of those that achieve the best, merit the best occupations. Class and educational public presentation show a really close relationship, this has been the issue during the twentieth century regardless of how the instruction system has been structured. You read "Ethnicity and Race are significant problems in education" in category "Essay examples" Students from upper and in-between category backgrounds are well expected to travel into higher instruction than those from the working category backgrounds. This is because some on the job category parents do non stress instruction as a precedence to make good in life compared to upper or middle category parents. This could perchance be the ground why the working category underachieve and be put into lower groups. A known theoretician Bourdieu[ 1 ]specified that in-between category people are those that benefit as they have the right cultural capital, go throughing on civilization and the right attitudes and cognition to their kids, which shows that the more the cultural capital you have, the success ful you are within instruction. Marxism could travel against the thought of Bourdieu ‘s cultural capital, as Marxist believe that the instruction system is barbarous to the working category due to the fact that text books, and necessities for schools are merely bought by upper and middles categories as working category can non afford them ensuing that the working category will non larn. Another factor which affects societal category is labelling. Teachers label pupils harmonizing to their visual aspect, verbal communicating and societal category. From this instructors are more likely to judge a pupil and suit them into standards covertly. Education has encountered race and ethnicity jobs for several old ages. The uninterrupted educational issues affecting race and ethnicity of all schools will ever do contention in society, as there is ever prejudice and abomination. The usage of the two footings ‘race ‘ and ‘ethnicity ‘ is diverse. I think the two footings are misused as if they are equal. I besides agree that ‘race is non now, nor has it of all time been, merely about the physical description of human fluctuation. Since its beginning in Western scientific discipline in the 18th century, race has been used both to sort and to rank human existences harmonizing to inferior and superior types ‘[ 2 ]. Ethnicity is a group of people who are connected with each other through a common heritage for e.g. possibly through linguistic communication, civilization or an political orientation that emphasises lineage or intermarriage. Consequently, these groups of people are distinguished from other groups through signifiers such as racial, lingual, economic, spiritual and political affairs. Racial tenseness and favoritism became more evident towards the terminal of the twentieth century. This evoked important concerns, particularly in schools. Schools, for some are the last halt for social integrating and for others they it is the simplistic reply in decreasing racism and deriving sociableness between White persons and minority groups in society. Many argue that it is unreasonable to locate the duty for get the better ofing racism on the schools, peculiarly when other establishments have non accomplished in promoting better race dealingss. However, schools do hold the capableness to do an of import engagement to the betterment of racial force per unit area in society. Students spend a major fraction of their lives in school until they reach immature maturity. School consciousness takes topographic point at a point in pupils ‘ lives when they are most unfastened to socialization, attitude behavior, character patterned advance and new experiences. While attending at school is compulsory, some pupils are non entertained by school life. Even though schools may non be able to belie the racism that exists in society wholly, they do hold the opportunity and chance to consistently support and besides promote affirmatory societal dealingss towards pupils from all racial cultural groups. I think that for schools to assist sociabl eness and racial integrating pedagogues ought to be cognizant about the limitations and opportunities school policies and practises enforce on pupils about societal relationships. For instructors and decision makers their chief purpose is to give academic accomplishment for pupils, but their patterns and policies they implement to achieve their academic purposes can besides impact the possibility that pupils have multiracial interactions and organize multiracial friendly relationships. It has been shown by sociological research, every procedure of interpersonal attractive forces conducted by the societal descriptions of the background in which the connexions occur. Abolished school shows chiefly an accurate context. These schools have said to hold an cultural and racial composing, unwraping largely the general population. Furthermore, there is non a clear or a precise definition of desegregated schools.[ 3 ] On a day-to-day footing many kids have to cover with particular demands. However, non merely multiracial kids have to pull off with the common jobs of childhood and household fortunes, they besides have to cover with a state of affairs of individuality. It has been said that students that are cultural minority are farther expected to come across racism from other students and from people who are portion of a group of the broader society than from instructors. By any agencies these experiences of racism could worsen necessary letdown and choler from some cultural minority pupils, which teachers must be answered with penalty procedures, likely affecting pupil ‘s exclusion. In this aspect instructors are moving in reply to a state of affairs for which they are non responsible for themselves. I think that there is the slightest possibility that some schools may possibly are now more cognizant of equality of chances jobs and that they have developed and introduced policies in order to raise equality of chances for both cultural minority pupils and females. There are diverse representations for school pupils from different minority cultural groups. Asiatic backgrounds ( Indian, Bangladeshi and Pakistani ) are normally defined by the linguistic communications they speak and for that ground are seen as an bullying, socially every bit good as academically to white kids[ 4 ]. Asiatic and black kids were non deriving the opportunities and advantages from the British instruction system that most parents hoped for in the early 1970 ‘s[ 5 ]. I think that the concern for pupils of Asiatic beginning has fluctuated in some ways compared to black pupils, for illustration they have gained a positive stereotype as ‘perfect pupils ‘ . Cultural minorities are expected to belong to socio-economic groups ; this will therefore increase their educational failing. In 1996 Gillborn and Gipps[ 6 ]conducted a sum-up of the literature on the academic attainment of minority cultural group pupils and resulted that Pakistani and Bangladeshi pupils, in add-on to African-Caribbean beginning were missing in accomplishment in relation to their white equals. However, on the other manus Indian pupils appeared to hold shown patterned advance and performed good compared to their equals. % demoing GCSE achievement five or more higher class base on ballss[ 7 ] Both educational advancement and accomplishments are non the same. It is likely for a figure of groups to do good betterments and yet still carry through lower criterion accomplishments. The belief of the school is of import but societal background is of much larger importance. On the other manus small grounds for different school influences for cultural minorities. This suggests that same schools are chiefly effectual for cultural minority pupils. An intensifying measure of research has determined on schoolrooms and pupil-teacher interactions. The consequences often raise indispensable inquiries sing the manner in which pupils are understanding and sing schooling. It was non until 2003 that the authorities foremost published statistics demoing GCSE pass-rates across different cultural groups. Statisticss show that Indian, Chinese, and African-Asian students systematically have higher degrees of accomplishment than other cultural groups across all the Key Stages. In contrast, Black, Pakistani, Bangladeshi and Gypsy/traveller students systematically have lower degrees of attainment than other cultural groups across all the Key Stages. It is critical to recognize that there is major single distinction in accomplishment within each group. Bangladeshi and Black Caribbean pupils will make highly good and several Chinese pupils will non win. Still, authorized consequences were published in November 2007 screening that Black pupils were reasoning the educational spread at GCSE. The statistics of Black Caribbean pupils achieving five sensible General certificate of secondary education has revealed about twice the national rise, meaning that the spread has lessened by 8 % points within four old ages. A point to do about the modern-day instruction system is that the least achieving group in footings of deriving five A*-C classs at GCSE is white propertyless male childs. I think that if bulk of Black pupils are below wining so it certain inquiries sing the instruction system. Institutionally, is the instruction system racialist? Harmonizing to research I think that good and sensible practise in early old ages of instruction should attach learning with cultural and community, besides personal values to organize a ‘shared acquisition brush ‘ between the instructor and the parents of a pupil in order to attest top results for all pupils. Personally, the ‘race concern ‘ can non be dealt within a individual country. The instruction system entirely can non give all the replies, even though it does hold the opportunity and the duty to do critical engagement towards the formation of a better society. Again, instruction in other states, e.g. Africa or India is more of import for the pupil to interrupt out of poorness where the lone manner forward is instruction which will give them accomplishments to break them and finally do a difference. However, here in UK, I feel that pupils take advantage of instruction as it is mandatory and do non appreciate it. Racism is considered as a ‘permanent fixture[ 8 ]‘ of society, accordingly meaning that racism is ever an of import factor within the argument and evidently there it is non required to do comprehendible that it continues. The critical race theory as a consequence seeks to stand for and oppugn racism in its different signifiers. The critical race theory is a manner of looking at race dealingss, particularly in the USA, in a extended context compared to the conventional civil rights. Its intent is to convey uncertainness towards broad thoughts of objectiveness or colour-blindness and come up to proving race affairs which, it claims it can still beef up Whites ‘ reaction. As you can see, many points have been detailed above in relation to race and ethnicity in instruction, both for and against. After careful consideration and analysis, I believe it is better for there to be other races and cultural minorities involved in instruction today. It can be seen that points ‘against ‘ are easy overcome and are therefore negligible in comparing to the points ‘for ‘ . The fact that we have grounds that proves holding a multicultural environment in schools is better for people ‘s assurance and to enabling them to lodge to their cultural beliefs, is a definite ground to back up my sentiment, and goes hand-in-hand with what the great leaders such as Martin Luther King and Mahatma Ghandi taught and lived for. Possible ways of how we can better the ‘race and ethnicity state of affairs ‘ in instruction is by promoting and enabling engagement of ethnics in instruction. This will let doing an betterment to the universe and peoples ‘ every bit good as pupils lives, last but non least it will better the quality of instruction overall. Again, we have seen how large reputable leaders such as Gandhi and Martin Luther King have had a immense presence in the instruction and civil rights countries, and by utilizing them as graven images and illustrations, we can promote more cultural minority groups to step up and makes alterations for the better, demoing equality amongst races. How to cite Ethnicity and Race are significant problems in education, Essay examples

Maintenance of Capital Doctrine

Question: Discuss about the Maintenance of Capital Doctrine. Answer: Introduction: The concept of maintenance of capital is an element of the company law which regulates the amount of capital that should be held. For instance, any company must hold and not go below its capital. The reason behind this is that the liability of the stakeholders should not be compromised in case the company is faced with bankruptcy issues. Therefore the doctrine was designed to safeguard the continuity of the business as well as to cater for the interest of the creditors. Creditors play a crucial role in the success of any business because they offer credit to the companies which is paid back with interest. (Monk, 2009) From the above introduction, we may attribute the origin of the capital maintenance doctrine to two fronts. One of them is the interest of the creditors as mentioned above. Secondly, the assets factor should be considered and the manner in which they can be dispersed leads to the origin of the doctrine. (Ranganathan, 2013). The judicial implications in the matter provide the relationship between the two fronts, in that the court enforces the law for a company to hold a given amount of capital which will favor creditors in future. In the event that a company is unable to pay debts out of its investment returns, the creditors would employ this doctrine to claim their dues in that the capital reserves would be used to clear the debts. For this reason, companies are prohibited from paying back the shareholder contribution and instead pay dividends from the profits that have been accrued. (Spillane, 2010) The capital maintenance doctrine has been developed over time using case precedence and legislation. Scholars across the world, for example Jessel M.R of England are credited for designing this doctrine. His ruling in the Flitcrofts case was a land mark step. Other remarkable scholars included Trevor and Whitworth who cited a case whereby a company repossessed part its shares from the shareholders against the company law. (Spillane, 2010). After the transaction, one of the shareholders claimed more payment from the company and he had his way. The courts interpretation was that no company was allowed to buy its shares since that amounted to reduction of capital. Furthermore, the court went ahead to conclude that creditors must be considered while winding up a company. Consequently, this forms the only event under which a company can refund the capital to the shareholders. (Ranganathan, 2013) Unlike other economies, the Australian government has taken a different turn regarding the issue of the capital maintenance doctrine. There are no strict measures concerning the amount of capital to be held by a company. Due to these liberal ideologies, Australian legislators have posed arguments that border on various issues that should be addressed first. They consider this doctrine as oppressive and feel that questions of company solvency and revelation of some material information should be availed to the shareholders. The final opinion about the Australian law is that they should consider incorporating the doctrine in their laws because the country anticipates many investors who come from other parts of the world and would need the kind of protection that the doctrine offers. (McChesney, 2012) References McChesney W.A (2012). The New Generation of Risk Management for Hedge Funds and Private Equity Investments. Cengage Learning. Boston, Massachusetts Monk, E.W. (2009). Monopoly-Finance Capital and the Paradox of Accumulation. John Wiley and Sons Ranganathan, C.I. (2013). Framework for the Preparation and Presentation of Financial Statements. Cambridge University Press, New York Spillane, J.B. (2010). Forms of Capital and the Construction of Leadership. European Operational Research