The House on Mango Street Seeking Independence Essay Example For Students

The House on Mango Street: Seeking Independence Essay In the book The House on Mango Street, author Sandra Cisneros presents a series of vignettes that involve a young girl, named Esperanza, growing up in the Latino section of Chicago. Esperanza Cordero is searching for a release from the low expectations and restrictions that Latino society often imposes on its young women. Cisneros draws on her own background to supply the reader with accurate views of Latino society today. In particular, Cisneros provides the chapters Boys and Girls and Beautiful and Cruel to portray Esperanzas stages of growth from a questioning and curious girl to an independent woman. Altogether, Boys and Girls is not like Beautiful and Cruel because Cisneros reveals two different maturity levels in Esperanza; one of a wavering confidence with the potential to declare her independence, and the other a personal awareness of her own actions and the decision to take action and wage her own quiet war (Cisneros 89). We will write a custom essay on The House on Mango Street: Seeking Independence specifically for you for only $16.38 $13.9/page Order now Author Sandra Cisneros was born in 1954 in the Latino section of Chicago (Encarta 1). Cisneros is an American novelist, short-story writer, essayist, and poet (Encarta 1). Her works have brought the perspective of the Mexican American woman into the mainstream of literary feminism (Encarta 1). She earned her Bachelors Degree from Loyola University in 1976 and her Masters Degree from the University of Iowa in 1978 (Encarta 1). The House on Mango Street is Cisneros first novel, and is her most critically acclaimed (Encarta 1). The novel is constructed with a series of short interconnected chapters (Encarta 1). Cisneros writes of the hopes, desires, and disillusionments of a young writer growing up in a large city (Encarta 1). After reading The House on Mango Street, the reader is left with a greater sense of the everyday oppressions the roles created for women in Hispanic society (Encarta 1). Cisneros decides to accept the oppression as part of culture, but also detach from this view by telling women, old and young alike, to find their own independence. Cisneros uses Esperanza as a vehicle to express the power of womanhood and determination to reach certain goals. In Boys and Girls, Cisneros introduces a gender separation that dominates Esperanzas experiences. Esperanza is dissatisfied that she and her younger sister Nenny are paired as playmates; Nenny is too young to be my friend (Cisneros 8). Esperanza is dependent on her childhood and is like a red balloon, a red balloon tied to an anchor (Cisneros 9). This description reveals that Esperanza singles herself out of her differences, of which she seems keenly aware. She also considers her differences as a source of isolation, as she floats in the sky for all to see. She longs to escape, much like a helium balloon. The anchor hinders her flight, similar to the confines that her granted by her society. Cisneros supplies Esperanza with a small voice, but also with a tone of wishful thinking, which gives her the ability to be powerful. Beautiful and Cruel marks the beginning of Esperanzas own quiet war against machismo (Hispanic culture powered by men). She refuses to neither tame herself nor wait for a husband, and this rebellion is reflected in her leaving the table like a man, without putting back the chair or picking up the plate (Cisneros 89). Cisneros gives Esperanza a self-empowered voice and a desire for personal possessions, thing that she can call her own: Esperanzas power is her own (Cisneros 89). Cisneros discusses two important themes: maintaining ones own power and challenging the cultural and social expectations one is supposed to fulfill. Esperanzas mission to create her own identity is manifest by her decision to not lay (her) neck on the threshold waiting for the ball and chain (Cisneros 88). Cisneros rough language and violent images of self-bondage reveal the contempt with which Esperanza views many of her peers whose only goal is to become a wife. .ub840eb269d9a402334bf3bf7cd329489 , .ub840eb269d9a402334bf3bf7cd329489 .postImageUrl , .ub840eb269d9a402334bf3bf7cd329489 .centered-text-area { min-height: 80px; position: relative; } .ub840eb269d9a402334bf3bf7cd329489 , .ub840eb269d9a402334bf3bf7cd329489:hover , .ub840eb269d9a402334bf3bf7cd329489:visited , .ub840eb269d9a402334bf3bf7cd329489:active { border:0!important; } .ub840eb269d9a402334bf3bf7cd329489 .clearfix:after { content: ""; display: table; clear: both; } .ub840eb269d9a402334bf3bf7cd329489 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ub840eb269d9a402334bf3bf7cd329489:active , .ub840eb269d9a402334bf3bf7cd329489:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ub840eb269d9a402334bf3bf7cd329489 .centered-text-area { width: 100%; position: relative ; } .ub840eb269d9a402334bf3bf7cd329489 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ub840eb269d9a402334bf3bf7cd329489 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ub840eb269d9a402334bf3bf7cd329489 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ub840eb269d9a402334bf3bf7cd329489:hover .ctaButton { background-color: #34495E!important; } .ub840eb269d9a402334bf3bf7cd329489 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ub840eb269d9a402334bf3bf7cd329489 .ub840eb269d9a402334bf3bf7cd329489-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ub840eb269d9a402334bf3bf7cd329489:after { content: ""; display: block; clear: both; } READ: Hiv Aids Essay Conclusion To learn how to guard her power from men, Esperanza looks to the example of the movie vixen with (the) red red lips who is beautiful and cruel (Cisneros 89). Esperanza gains strength in herself by accepting the situation she is in as it is, be acquiring a determination to leave it . The House On Mango Street Seeking Independence Essay Example For Students The House On Mango Street: Seeking Independence Essay In the book The House on Mango Street, author Sandra Cisneros presents a series of vignettes that involve a young girl, named Esperanza, growing up in the Latino section of Chicago. Esperanza Cordero is searching for a release from the low expectations and restrictions that Latino society often imposes on its young women. Cisneros draws on her own background to supply the reader with accurate views of Latino society today. In particular, Cisneros provides the chapters Boys and Girls and Beautiful and Cruel to portray Esperanzas stages of growth from a questioning and curious girl to an independent woman. Altogether, Boys and Girls is not like Beautiful and Cruel because Cisneros reveals two different maturity levels in Esperanza; one of a wavering confidence with the potential to declare her independence, and the other a personal awareness of her own actions and the decision to take action and wage her own quiet war (Cisneros 89). We will write a custom essay on The House On Mango Street: Seeking Independence specifically for you for only $16.38 $13.9/page Order now Author Sandra Cisneros was born in 1954 in the Latino section of Chicago (Encarta 1). Cisneros is an American novelist, short-story writer, essayist, and poet (Encarta 1). Her works have brought the perspective of the Mexican American woman into the mainstream of literary feminism (Encarta 1). She earned her Bachelors Degree from Loyola University in 1976 and her Masters Degree from the University of Iowa in 1978 (Encarta 1). The House on Mango Street is Cisneros first novel, and is her most critically acclaimed (Encarta 1). The novel is constructed with a series of short interconnected chapters (Encarta 1). Cisneros writes of the hopes, desires, and disillusionments of a young writer growing up in a large city (Encarta 1). After reading The House on Mango Street, the reader is left with a greater sense of the everyday oppressions the roles created for women in Hispanic society (Encarta 1). Cisneros decides to accept the oppression as part of culture, but also detach from this view by telling women, old and young alike, to find their own independence. Cisneros uses Esperanza as a vehicle to express the power of womanhood and determination to reach certain goals. In Boys and Girls, Cisneros introduces a gender separation that dominates Esperanzas experiences. Esperanza is dissatisfied that she and her younger sister Nenny are paired as playmates; Nenny is too young to be my friend (Cisneros 8). Esperanza is dependent on her childhood and is like a red balloon, a red balloon tied to an anchor (Cisneros 9). This description reveals that Esperanza singles herself out of her differences, of which she seems keenly aware. She also considers her differences as a source of isolation, as she floats in the sky for all to see. She longs to escape, much like a helium balloon. The anchor hinders her flight, similar to the confines that her granted by her society. Cisneros supplies Esperanza with a small voice, but also with a tone of wishful thinking, which gives her the ability to be powerful. Beautiful and Cruel marks the beginning of Esperanzas own quiet war against machismo (Hispanic culture powered by men). She refuses to neither tame herself nor wait for a husband, and this rebellion is reflected in her leaving the table like a man, without putting back the chair or picking up the plate (Cisneros 89). Cisneros gives Esperanza a self-empowered voice and a desire for personal possessions, thing that she can call her own: Esperanzas power is her own (Cisneros 89). Cisneros discusses two important themes: maintaining ones own power and challenging the cultural and social expectations one is supposed to fulfill. Esperanzas mission to create her own identity is manifest by her decision to not lay (her) neck on the threshold waiting for the ball and chain (Cisneros 88). Cisneros rough language and violent images of self-bondage reveal the contempt with which Esperanza views many of her peers whose only goal is to become a wife. .u4c491b71e75431348a85a9668fdbcbe4 , .u4c491b71e75431348a85a9668fdbcbe4 .postImageUrl , .u4c491b71e75431348a85a9668fdbcbe4 .centered-text-area { min-height: 80px; position: relative; } .u4c491b71e75431348a85a9668fdbcbe4 , .u4c491b71e75431348a85a9668fdbcbe4:hover , .u4c491b71e75431348a85a9668fdbcbe4:visited , .u4c491b71e75431348a85a9668fdbcbe4:active { border:0!important; } .u4c491b71e75431348a85a9668fdbcbe4 .clearfix:after { content: ""; display: table; clear: both; } .u4c491b71e75431348a85a9668fdbcbe4 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4c491b71e75431348a85a9668fdbcbe4:active , .u4c491b71e75431348a85a9668fdbcbe4:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4c491b71e75431348a85a9668fdbcbe4 .centered-text-area { width: 100%; position: relative ; } .u4c491b71e75431348a85a9668fdbcbe4 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4c491b71e75431348a85a9668fdbcbe4 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4c491b71e75431348a85a9668fdbcbe4 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4c491b71e75431348a85a9668fdbcbe4:hover .ctaButton { background-color: #34495E!important; } .u4c491b71e75431348a85a9668fdbcbe4 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4c491b71e75431348a85a9668fdbcbe4 .u4c491b71e75431348a85a9668fdbcbe4-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4c491b71e75431348a85a9668fdbcbe4:after { content: ""; display: block; clear: both; } READ: A playbook for Strategy, Summary To learn how to guard her power from men, Esperanza looks to the example of the movie vixen with (the) red red lips who is beautiful and cruel (Cisneros 89). Esperanza gains strength in herself by accepting the situation she is in as it is, be acquiring a determination to leave it .

John Steinbeck Research Paper Example

John Steinbeck Research Paper Example John Steinbeck Paper John Steinbeck Paper Essay Topic: East Of Eden John Steinbeck Archie Parks HUM/266 June 17, 2011 Lauren Holmes John Steinbeck John Steinbeck (1902-1968), born in Salinas, California, came from a family of moderate means. He worked his way through college at Stanford University but never graduated. In 1925 he went to New York, where he tried for a few years to establish himself as a free-lance writer, but he failed and returned to California (Nobelprize. org, 2011). Steinbeck did not have success with his early writings. Tortilla Flat a humorous story about Monterey Paisanos published in 1935 became his first well-known piece of work. Early Influences As a boy growing up Steinbeck was inspired to be a writer by his mother. Steinbeck’s mother loved books and literature; she was a teacher and his earliest influence into writing. As Steinbeck got older he often cited Charles Darwin as the main influence in his career. Charles Darwin intrigued Steinbeck; Steinbeck was amazed in the realism and naturalism of Darwin’s work. Steinbeck’s creativity primarily sparked by nature. He was very aware of his surroundings and many of the events of his life as well as social situations contributed to setting and plots for his novel. Most of his books took place during the period of the great depression. Artistic achievement Steinbeck liked to incorporate area surroundings into his writing. He often experimented with different styles of writing, like a play in novel format. He also used fabular, picaresque, and documentary styles as well. Steinbeck often wrote about poor people and how their lives were changed by their circumstances and used the layout of the land as an artistic style as well. His talents as a storyteller were unsurpassed. His engagement with the vital social issues of his day was worthy of the highest traditions of journalism. He forged a muscular, plain prose style of immense emotional range. And in his major work, he created an enduring testament to societys downtrodden, simple men and women confronting the demons of poverty, violence and bigotry and refusing to yield (Kamiya, 1995). What makes Steinbecks style unique is his dual use of omniscient narration combined with a real empathy for his characters. Steinbecks strongest writing talent is in his use of characterization (Steinbeck, 2011). In all of his novels, OMAM included, we really feel like we know the characters. We are pulled into their situations that what they endure and have to overcome. The plight of each character pulls at your heart strings and keeps the reader on the edge, never wanting to pause from the story. Steinbeck tried to find an organic means of expression for each book that he wrote. He considered his work to be experimental. He intentionally used a documentary style for The Grapes of Wrath, the fabular for The Pearl, the picaresque for Tortilla Flat, and so on. Generally he belongs to the myth-symbol school of the twenties. Dreams, the unconscious, recurring myths, symbolic charactersthese qualities are characteristic of what Jung called the visionary style. Realism, Steinbeck once noted, is the surface form for his interest in psychology and philosophy (Lewis, 2011). Impact on society John Steinbeck was one of very few United States writers to dabble in the realm of social problems. He attacked the issues and made them prominent in his writings. In the grapes of wrath he took on the depression and told the story of Oklahoma citizens who fled the dust bowl to migrate to California for work only to find themselves taken advantage of and forced to deal with unforeseen social and economic problems. Steinbeck took on mental retardation, social prejudices and socially acceptable behavior with the character Lennie Small in the novel Of Mice and Men. In one of his last works East of Eden Steinbeck took on Good versus evil and in his final writing Travels with Charley Steinbeck wrote about his impressions during a three-month tour in a truck that led him through forty American states. He died in New York City in 1968. John Steinbeck is one of the 20th Century’s most significant writers, receiving the Nobel Prize for Literature in 1962. Steinbecks influence and ideas on social justice for the economic underclass of American society can be clearly seen in the works of Bob Dylan and others (Woody Guthrie, Billy Brag, Bruce Springsteen and others) (Tuffey, 2004) Closing American novelist, story writer, playwright, and essayist. John Steinbeck received the Nobel Prize for Literature in 1962. He is best remembered for THE GRAPES OF WRATH (1939), a novel widely considered to be a 20th-century classic. The impact of the book has been compared to that of Harriet Beecher Stowes Uncle Toms Cabin. Steinbecks epic about the migration of the Joad family, driven from its bit of land in Oklahoma to California, provoked a wide debate about the hard lot of migrant laborers, and helped to put an agricultural reform into effect (Liukkonen, 2002). In Researching information for this paper I found it amazing that not everyone saw Steinbeck for the literary genius that he was. Many people overlooked Steinbeck’s writings considering them simple. Many of his fans do not believe that he received the credit that he was due and feel that he was overlooked and snubbed by some. This author personally loves the dynamic of each of Steinbeck’s stories. The character stories along with social issues that were real, issues that pulled you in and made you think is what made Steinbeck standout and a true artistic Genius. John Steinbeck died of heart attack in New York on December 20, 1968. In the posthumously published THE ACTS OF KING ARTHUR AND HIS NOBLE KNIGHTS (1976), Steinbeck turned his back on contemporary subjects and brought to life the Arthurian world with its ancient codes of honor. Steinbeck had started the work with enthusiasm but never finished it (Liukkonen, 2002). Steinbeck has transcended generations and his literary works entertain as much now as they have in the past. Lastly I will leave you with these words from The Grapes of Wrath that truly show John Steinbeck’s writing Genius. Man, unlike any other thing organic or inorganic in the universe, grows beyond his work, walks up in the stairs of his concepts, emerges ahead of his accomplishments. (from The Grapes of Wrath) . References Kamiya, G. (1995, March 12). John steinbeck a brilliant new biography may get Salinas favorite son some over due respect in the literary world. Retrieved from sfgate. com/cgi-bin/article. cgi? f=/e/a/1995/03/12/style13230. dtl Lewis, C. (2011, June 16). John Steinbeck (1902-1968). Retrieved from http://www9. georgetown. edu/faculty/bassr/health/syllabuild. iguide/steinbec. html Liukkonen, P. (2002). John Steinbeck (1902-1968). Retrieved from kjrjasto. sci. fi/johnstei. htm Nobelprize. org. (2011, June 21). The Nobel Prize in literature 1962 John Steinbeck. Retrieved from http://nobelprize. org/nobel_prizes/literature/1962/steinbeck-bio. html Steinbeck, J. (2011). The Grapes of Wrath. Retrieved from enotes. com/grapes-of-wrath/author-biography Tuffey, D. (2004). John steinbeck;s view on personal ethics. Retrieved from ict. griffith. edu. au/davidt/steinbeck. htm

Americana Group Research Paper Example | Topics and Well Written Essays - 4250 words

Americana Group - Research Paper Example Marketing Analysis Marketing environment analysis Marketing environment has major influence on a business. Trend in marketing environment is one of the most important factors to consider for a business or marketer. There are some important factors of marketing environment of business. These are political, economical, social and technological. So, detailed analysis of each of these environmental factors is needed to assess the current overview of marketing environment of Americana Group. Marketing environment has major influence on American group and changes of each of these areas leads to change in the strategic decision with respect to marketing of the products and brands operated by the company in Middle East and North Africa region. Therefore, PEST analysis would provide detailed overview of this market. Political Factors American Group deals with the franchisee business of leading international restaurant chains and manufacturing consumer food products. Generally, political and g overnmental factors impact on food business in any country in a higher extent because food business deals with the most important needs of human beings. This business also has higher risk with respect to hygiene factor. Governments of Middle East countries have several food policies applicable for food businesses and they need to strictly adhere to policies. Apart from the specific food policy, there are several rules and regulations imposed by different countries for domestic as well international business. It is very important for any company operates in this market to comply all concerned rules and regulations of different governmental agencies for successful operation of business... The paper stresses that the company needs to buy stake of the foreign businesses or make partnership with the foreign franchise holders of leading food brands like KFC, Pizza Hut etc to enter into target market. Then it should do partnership business for limited period of time to understand the market potential and the consumption trend of the customers of those businesses. Finally, the company can select the best potential market among the targeted markets and start both manufacturing and selling their own products along with the franchisee business. This would be the best cost effective strategy for the company to diversify into foreign markets. Risk of foreign investment would be minimized through this market testing strategy. Development of effective marketing strategy is also very essential with new product development. So, it needs to invest good amount for promotion of each of new product development. The company can also redesign its old products and introduce them with the n ew product. it can push a new product with the existing popular product line up to minimize the risk of lower demand. This report makes a conclusion that market development strategy will help the company to boost its product development strategy through new product launch in a new market. Economies of scale will also increase through new product launch in the existing market as cost of production and cost of promotion will not much increase. Therefore, both the strategies will be most beneficial for future growth of Americana Group.

Cultural Background and Academic Performance Essay

Cultural Background and Academic Performance - Essay Example Some prove to be difficult but there is no objection as work has to be done and delivered on time. College regulations may not be strict but they are demanding. Always, in the first session, almost everything a student does in the eyes of the tutors appears to be out of context. What follows is that the student is left to wonder if he will manage to fulfill all their expectations. To overcome this, it calls for quick measures to be implemented for the student to make wise decisions regarding his goal in life and how he will achieve it. Critical thinking is another issue; it involves the students who are sharp and able to think carefully about an idea before deciding on how to tackle it. For instance, reasoning critically involves one to think beyond his mind to avoid conclusions that are so obvious. Cultural myths have their own power and they take particular forms that make people realize if the steps they take are sensible. Through them, people get to know about their beliefs, customs, and ideas to the point of sharing a common language. Cultural myths determine how human beings interact with each other, how they perceive themselves based on their behaviors, and wishes. People live according to their cultural myths, which assist them to understand where they belong and help them build their power and how they are related to the people they love whether it is in the past or the coming generation. To be a critical thinker, a person is required to ignore these cultural myths and their misconceptions. It is interesting to know that the cultural myth that people do not apply most makes us view the world on a broad basis. In some cases, when the myth’s values are misinterpreted, it is considered immoral. Cultural myths have adverse consequences; when it comes to learning, they lower the rate at which students reason and read.  

Spa Package ( relates to beauty) Essay Example | Topics and Well Written Essays - 1000 words

Spa Package ( relates to beauty) - Essay Example In this respect, everyone must care about own health and use effective methods for improving its condition. Nowadays the sphere of services develops sufficiently to provide customers with a big variety of assortment that allows securing health and remaining beauty simultaneously. Strengthening the state of health and giving rest to whole body and soul can be reached with a help of spa centers, which may propose high quality and fair prices on the competitive market. Due to the accessibility of spa services, today visiting such centers is not a luxury but, first of all, it is a trivial care for own health. Spa procedures do not only ensure clients with medical treatment, but also create a body’s harmony with soul and mind. The word â€Å"spa† was taken from the name of health resort in Belgium (Tubergen 2002, p. 273). Historical origin starts in deep antiquity, when in Greece and Roman Empire a great interest to bath at mineral and thermal springs was aroused. The most common definition explains that spa is health-improving complex of procedures that consist of using sea, mineral, thermal or fresh water along with algae, medicinal herbs and medical mud. In other words, spa procedures provide a wide range of hydrotherapy programs. In nineteenth century spa centers have become especially popular in Europe and North America. Today the most notorious and luxurious resort is situated in Baden Baden. However, despite wild accessibility and propaganda about its positive medical effects, for long period of time Britain population doubted the efficiency and useful causes of spa procedures, considering such treatment as more for pleasure than for improving health condition. Currently spa programs obtain more acknowledgements by rheumatologists and dermatologists, insisting on hydrotherapy as medicinal procedure for numerous of deceases. Hence, according to Heywood’s research of several hospitals’ medical records, it was concluded that from 70 to

Protecting Your Clients: Financial Case Study

Protecting Your Clients: Financial Case Study A recent survey found 40% of adults in the UK, have less than  £500 in savings, and are reliant month to month from their employment.   (MAS).   With savings alone, a family may quickly face issues. In the event of death, severe illness or injury, the inability to meet basic household bills and liabilities such a mortgage, adds worry, anxiety and uncertainty into an already stressful time. There are products available which mitigate these risks, and they fall into three broad categories; Life Assurance, Critical Illness Cover, and Income Protection. This is not an exhaustive list; a wide range of specialist products are available depending on client needs. Whatever a familys financial aspirations, the loss of an income, may cause plans to fail, increasing costs at an inconvenient time, with childcare costs etc. The pyramid below demonstrates the importance of underpinning any financial plan with adequate protection, clearly this is a priority. Throughout this manual, we will explore the needs of a family (in blue); Andrew (27) Amy (24) have their dream home with their daughter, Celeste (4). They have no plans to move, and do not plan on having more children. Andrew is a self-employed sole-trader, an Electrician, with average net profits;  £34,000. During the week Andrew works long hours, but takes weekends off to look after Celeste. Andrews drawings are  £2,800. Amy is an assistant manager in a fashion retailer, she has recently returned to full time hours now that Celeste has started private school. Her salary is  £21,000 per annum. As she has been employed by the company for a number of years, she qualifies for 26 weeks full sick-pay and is enrolled in the group income protection policy which would pay 50% of her salary each month, after a 26-week deferral period. Amys net income is around  £1300. Celestes school fees  £4000 each term, this is likely to remain until 18. Amys store is in a shopping centre, with long opening hours shes able to work flexibly in order to look after Celeste in the evenings. Andrew drops Celeste off in the mornings to a breakfast club at school. They hope Celeste will go to university, where they expect to help with living costs, in line with their existing costs. Their  £130,000 mortgage has 14 years remaining, and costs them  £1100 monthly. They have been able to put some money aside each month and have built up some small savings for emergencies. They have no other debts, and have no existing protection barring Amys employment benefits. They save around  £200 each month, and the remainder of the budget is enjoyed through socialising, entertainment, eating out and treating Celeste. However, recently, Andrews stepfather, in his 50s, who also is an electrician had a heart attack, fortunately he survived, but struggles to do the work he was doing previously. Andrew is concerned at the difficulty his parents have faced in maintaining their lifestyle, and has come to us to discuss protecting his family. He is unsure of what might be right for him, but is happy to spend around  £100 each month, protecting his family. Savings:  £4,200Income:  £4,100 Outgoings:  £3300Disposable budget:  £800 Factors to Discuss and Consider There are a wide range of factors that will impact the necessity, level and term of cover, these include; Dependents This not only applies to the clients own children, but could apply to a spouse, elderly relative or grandchild. The number of dependents, and how long will their need last, i.e. until 18. And whether any expenses, beyond normal upkeep, such as school or university fees would increase needs. Remaining Income In a family where both halves work, the loss of a partner, or their income is likely impact the family income. Often one partner earns a higher salary, losing the breadwinners, income, strains finances. This is equally true if the other partners income was lost. In ensuring a family can maintain their lifestyle, after the loss of a partner or their income, it is important to consider what income is likely to remain, or be available to them afterwards. Benefits A number of state benefits are available to boost the remaining income, or help towards replacing a lost income- i.e. a critical illness prompting payment of personal independence payments or statutory sick pay. These wont replace an income, and critically, the payments, criteria and timescales are set by the government, and arent certain. Employer Benefits Many employers offer employees some protection as part of their employment. Some are dependent on the length of service, or seniority. Including; sick pay, paying full salary for a time, or death in service; usually paying a lump sum- usually a multiple of their salary. Much like government benefits, employer benefits are discretionary. It is also a consideration, that an employee changes employer, with differing benefits. Savings Savings, beyond an emergency fund, are likely to be towards a future need, such as retirement, care, or a large purchase. Currently, savings are unlikely to have any significant growth (Thisismoney.co.uk), if relied upon as income, the funds will exhaust eventually. It would be unwise to rely on savings beyond the short term. Savings can however, reduce the need for an income if they can reduce or eliminate liabilities i.e. credit-cards. Liabilities After considering the needs of the family and dependents, ensuring these are adequately protected, it is important to also consider any liabilities that could then impact the family. These often take the form of debts, but also commitments like school fees. Included here are secured liabilities, such as the home. Often, with the loss of one income, there will be difficulties in sustaining the familys lifestyle, potentially, meeting mortgage costs. Repaying the mortgage is a priority for those seeking life assurance, as it guarantees security of the family home. Life Assurance Life assurance, pays the sum assured, when the insured dies- assuming the policy remains in force. Policies usually take the form; Whole-of-Life, or Term Assurance. Whole-of-Life Covering an individuals entire life, the sum assured is paid, when the policyholder dies. As death is inevitable, the cost is the most expensive. Premiums The premiums are either payable until death, or can be set to last until a certain age or for a limited term. The latter options allow for premiums to be paid up until retirement, yet allow cover to continue. When a limited term of payments is chosen, theyre naturally higher than the alternative. Investment Policies can be arranged with investment elements. This can be Unit-linked, with-profit, non-profit, or universal, potentially combining all three. A non-profit policy provides a fixed sum. With-profit policies allow the insurers underlying investments to generate growth, with bonuses that may increase the sum assured, although inflation beating growth in the long-term, is unlikely. Unit linked policies allow greater growth potential, above inflation, but the underlying capital is risked, jeopardising the sum assured, less risky funds should be a priority. As whole-of-life policies can contain investment elements, some providers offer surrender values, although its unlikely to be suitable as an investment vehicle. Whole-of-Life policies will not be suitable for every client. Care must be taken that there is an ongoing and permanent need, and the sum assured fits this. It may be suitable for a client wishing to protect their family from funeral costs or legal expenses. And can mitigate inheritance tax liability, providing a lump sum to cover the liability due on their assets. Couples can make use of this through a joint life second death policy, since ordinarily, the estate will pass between the couple, and tax only falls due on the second death. Although more appropriate on larger estates where a significant inheritance tax liability arises, compared to those estates that slightly exceed the nil rate bracket, as the ongoing costs of the life assurance may exceed the eventual liability. A whole-of-life policy can also be used to provide an income for dependents. While in later life it is unusual to have child dependents, an income may be required for dependents with life-long care needs. Term Assurance Unlike a whole-of-life policy, term assurance provides cover for a set period, often against a specific protection need, with an expected maturity. Its useful against mortgages, or child dependents, because the time the protection is required for can be estimated. Compared to whole-of-life policies, term assurance is cheaper. As the risk of death is lower over a given timescale, compared to a whole-of-life policy.   Once the policy expires the cover ends, unlike whole-of-life policies, there is no surrender value.   Term assurance can take a number of forms; decreasing, level or increasing term assurance. Decreasing (Family Benefit, Mortgage Protection) Here, the sum assured decreases over time. Its useful against protecting a repayment mortgage. As the term of the mortgage reduces the balance falls, consequently the level of protection needed reduces. This is also useful for dependents, as provision needs decrease over time.   Reductions in the sum assured can be fixed each period, or in line with the interest charged on a mortgage. Decreasing term insurance is also cheaper than other term assurance, as the risk to the provider reduces over time. With a family benefits policy, the benefits are paid as a monthly figure, protecting against the loss of an income until the end of the policy, meaning that the shorter the term remaining, the lower the overall benefit. Gift inter vivos policy This is a special case of decreasing term assurance, protecting against inheritance tax liability from a potentially exempt transfer (PET). In line with the tax liability, the sum assured falls over seven years. Level The sum assured remains constant. It can be useful in order to repay a set liability, i.e. an interest only mortgage, with a constant balance.   They also provide peace of mind to the policyholders family, through the certainty of a lump-sum. It can leave people over protected, paying higher premiums for a need that reduces over time. Increasing- The most expensive form of term assurance. Once arranged, the sum assured, increases over time. At the policies end, the sum assured can be considerably higher than originally. This provides a lump-sum protected against inflation, which over a time, erodes buying. Convertible Renewable- special forms of term assurance, allowing the above policies to be converted into whole-of-life policies, or simply renewed without further underwriting, sometimes allowing the sum assured to increase, in what would be a renewable, increasable term assurance policy. Allowing more flexibility for the insured. Rider Benefits- these are applicable to any of the above policies, they are additional benefits which can be added, or included already. These include; Waiver of Premium, prevents the policy lapsing when the insured is unable to pay premiums through sickness or injury. Terminal illness or total permanent disability cover, providing an accelerated payment when the insured has a very short life expectancy, or is totally disabled, although the criteria for this varies. Accidental death benefit can also be included.   Guaranteed insurability options allow for flexibility within the policy for the sum assured to be increased at key events in the insureds life, without the requirement for additional medical underwriting. All options and additional benefits will increase premiums. Summary Life assurance, ensures that financial needs can be met, often at an affordable cost, regardless of the need, as there are many forms. It does however have restrictions, medical underwriting means that lifestyles increasing the risk of death can impact the cost of the cover, i.e. smoking. While most claims are paid, there are often significant exclusions, including death from; alcohol, drugs, self harm, terrorism, war, or recklessness. If the policyholder is the insured, on their death, the pay-out from these funds will be added back into their estate, where there is potential for an inheritance tax liability. Neither have life assurance, in the event of a death, the remaining family would not be able to maintain their lifestyle. Protecting the mortgage on the family home is a priority. A joint policy allows the home to be protected in the event of either death. As the balance on the mortgage is naturally decreasing as repayments are made, a mortgage protection policy, with an initial sum assured of  £130,000, and term of 14 years would provide the most cost-effective cover. Approximately  £15 monthly. In the event of a death now, the mortgage would be repaid, and the monthly outgoings would fall by around  £1100. However, other costs could increase, childcare may be required, and Celestes education costs would also continue. The approximate cost of her education over the next 17 years will be; 3 Terms x  £4000 x 17=  £204,000. Due to Amys employment, she would need childcare for the weekends and mornings. Andrew would require childcare for weekday evenings. Approximately this is 20 hours a week, and expect she would be mature enough to look after herself for a few hours once in secondary school, aged 12. In addition to term-time childcare there would be around around 16 weeks annually, where fulltime care is needed, 40 hours weekly. Average childcare costs in their area are  £7 hourly. 20 hours x 36 (term-time) x 8 years, 40 hours x 16 (holidays) x 8 years A Total of 10880 hours of childcare would be needed till age 12, at  £7, would cost  £76,160. With a total cost in the region of  £280,160, Its clear itd be difficult for either parent to cover these costs. However, each month, the requirements would reduce. Again, a decreasing term assurance policy would fit their needs, as these are ongoing costs, it would make sense for this policy to be written as a family income benefit policy, providing the average of Celestes care and education costs each month.  £1000 for her education, and  £793 (based on 1360 hours of care each year, divided by 12 months, at  £7 an hour), written on a joint basis over a 17-year term. The approximate cost is  £23 monthly. Income Protection Insurance This provides the insured with an income when, due to; illness, disability or injury, they are unable to work. A provider cannot cancel this policy due to repeated claims, and as long as premiums are maintained, the cover continues. The benefits are paid monthly, and are used to cover normal expenditure. To incentivise the insureds return to work, ensuring claims only last as long as necessary, the level of cover is generally between 50-75% of the insureds salary. Should a condition make it impossible for the insured to return to their work, and instead they return on a lower salary, a proportionate benefit clause found in many policies, allows a portion of the benefit to be paid, to top-up their income. While the cover is permanent, to a normal retirement age, many insurers have a reviewable premium, similar to critical illness cover. To lower premiums, a deferral period, between 4 104 weeks, effectively eliminates short illness, reducing the risk for the insurer. Aligning the deferral period against existing provisions such as an accident, sickness unemployment cover, or employee sick pay further helps reduce premiums. Income protection is important for the self-employed, injury or illness will impact their income earlier. Their deferral period tends to be shorter, as they need the income sooner than someone who receives sick-pay. Amy is fortunate to have employer provided sick-pay and income protection. If she were ill or unable to work, the impact of this would not be felt for 6 months, and then the reduction in her wage by  £650 would allow the family to meet their outgoings, albeit with little left. Andrew, has no protection. If Andrew were unable to work, his income would stop immediately, savings would then be relied upon, the loss of his income means a shortfall of  £2,000 each month (Outgoings;  £3,300, less Amys income of  £1,300). Savings could sustain them for around 2 months (Savings/Shortfall,  £4200/ £2000= 2.1 Months.) Protecting his income with an income protection policy, until his state retirement age of 68, as regardless of his dependents, there will always be household bills (gov.uk), an 8-week deferral, with benefits of  £2100, cost around  £49 monthly, extending the deferral to 52 weeks, reduces costs to around  £33 monthly. (Drewberry Insurance) Intermediate months could be covered by an accident sickness policy, by excluding short illness, Andrew may save money on future premiums on review. Other Protection available There are a wide range of more specialised protection insurance policies available, while they may not offer financial security, they can provide peace of mind. Accident Sickness Unemployment Insurance Offering similar benefits to income protection, with important differences. Its impermanent; the insurer can decline to renew the policy. Benefits are generally provided up to 24-months. Unemployment covers redundancy, and only when the insurer believes that the insured had no foreknowledge, naturally excluding the self-employed. Covering Andrews income using an accident sickness policy here, with a deferral period of 2 months, allowing for their savings would cost them in the region of  £14 monthly (gocompare.com), a small saving compared to the single product. Payment Protection Insurance If the insured is unable to work, through sickness, injury or redundancy, this cover will maintain payments for the liability (credit card, mortgage or loan, etc.) for a period of generally up to 24 months. Health Insurance Dental Plans Private health insurance may provide high quality care, fast diagnosis and short wait times or flexibility for treatment and surgery etc., without the high costs involved in paying for this treatment in a standalone manner. Dental plans are offered in a similar way. There are often exclusions for elective or cosmetic surgeries. Critical Illness Cover Providing a lump sum to the insured on the diagnosis of a critical illness, including but not limited to; most Cancers, Heart Attack, and Stroke. Unlike term assurance, the insured need not die, should they recover, funds wont need to be repaid, as the policy ends on a successful claim. Beyond major conditions, cover can be provided for other conditions; major organ transplant, paralysis, coma, blindness or loss of limbs. Each provider may apply a different definition to a condition. The Association of British Insurers provides definitions as a guide to best practice, which is the minimum definition an ABI insurer can use. For instance; The ABIs blindness definition reads; Permanent and irreversible loss of sight to the extent that even when tested with the use of visual aids, vision is measured at 3/60 or worse in the better eye using a Snellen eye chart. (ABI,2016) LGs definition follows; à ¢Ã¢â€š ¬Ã‚ ¦the use of visual aids, vision is measured at 6/60 or worse in the better. (LG, 2016) Two similar definitions, with LGs definition benefiting the insured, with a less restrictive definition. The cost of more generous cover may be higher than stricter insurers. Compared to term assurance, the cost is much higher, the risk of dying, is far lower than being diagnosed with a critical illness or condition, this extra risk increases costs. Furthermore, a wide range of underwriting factors are used to tailor premiums to the insureds risk. Adverse family history increase costs, and previous diagnosis makes securing cover difficult, or impossible, at best, an exclusion is imposed (LG, 2016). It is expected that all material facts are disclosed, so a full and informed decision is made, withholding a condition can void cover. (Guardian,2013) With any critical condition, family life becomes pandemonium. The insured may be unable to work, travel to and from medical appointments may be necessary, if provided by a partner, they too may be unable to work. Child care may increase, care may be required, alterations may be required, and of course the usual household expenses will still occur. Critical Illness Cover, when considering these requirements can provide peace of mind, by funding medical or care costs, covering liabilities, and providing funds to cover the cost of equipment, adaptations or general improvements to the insureds quality of life with their new condition. Policies can be arranged in numerous ways, a standalone plan, which works similarly to term assurance, paying out on diagnosis on an insured condition. However, it is commonplace that the insured must survive at least 28 days in order for a valid claim. Alternatively, it can be arranged in addition to a term assurance policy with death benefits. In addition to being covered against death, the policy would cover critical illness. This additional cover can either be arranged so that following a critical illness, or death, the cover will cease, so a single payment is only possible, or, a payment can be made against both illness and death. It can be incorporated into an endowment or into a whole-of-life plan as an option in a similar fashion. Like life assurance, the proceeds can be written into trust, this is not usually needed though, if the protection is to cover existing liabilities. However, if the cover is combined with life assurance, potential exists for an inheritance tax liability; if a critical illness is claimed for, the proceeds will go tax free to the insured, if however, a death claim is required, this becomes part of their estate, creating the liability. It is possible to use a split-benefit trust, which will pay the proceeds of the critical illness payment to the policyholder, and the death benefit to the beneficiaries in the trust deed. Critical illness cover premiums are organised similarly to term assurance, with historically fixed payments. Due to advances in medicine and technology, claims have risen with early diagnosis, more providers are now switching to reviewable premiums, which offer stability of fixed payments for a period, before being reviewed, at which point they may rise or fall. Just like term assurance, a similar set of exclusions apply, and medical underwriting may result in additional restrictions or exclusions, and potentially higher costs overall. Cancelling a policy to take out a new policy is generally not recommended, as comparing cover, benefits and restrictions can be difficult or time consuming. Although Andrew Amy are healthy, after recent events they are keen to have some protection that would allow them to deal with an unforeseen critical illness. As you have seen, Amy is well protected through her employment against her income, Andrew would be well covered by the Accident Sickness Policy, and through an income protection policy. However, they are worried about potential adaptations to their home or care costs being needed. The Money Advice Service suggests that 2 hours each day of care would cost in the region of  £11,000 annually. As the mortgage costs a little more than this, a lump sum to cover this, and provide a buffer to allow for some adaptations if necessary, around  £150,000 of cover over 17 years, each. Written as stand-alone policies, means each is protected in the event of a critical illness. Together, the cost of these policies is in the region of  £65 monthly. Andrew Amys monthly protections costs exceed the budget they wanted to spend. Coming to a total of around  £150 monthly. Although the protection would ensure that whatever happens to either of them, they would have financial security until retirement. Full protection is expensive, and unless they are willing to spend the money to cover themselves adequately, they will need to adjust the level of cover they can afford, or prioritise the policies available to them. Business Protection The death or illness of a partner, key person or sole trader can have significant consequences to a business. While these issues can be as wide and varied as the business that have them, the type of cover detailed in this manual can be tailored to provide effective protection. In Conclusion As can be seen, it is important to take a view of the bigger picture, and use a holistic approach in shaping protection around a clients needs. While the hope is that these policies are not used before their time, they provide the firm foundation for clients to achieve their financial aspirations. A Adviser. References ABI Policy Definitions- https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Medical%20underwriting/2011%20Critical%20Illness_SoBP.ashx (2016) Drewberry Insurance, Income Protection https://www.drewberryinsurance.co.uk/income-protection-insurance (2016) Gocompare.com Accident Sickness cover quote system https://income.gocompare.com/income-protection/ (2017) Gov.uk, State Retirement Age https://www.gov.uk/state-pension-age, (2017) The Guardian, Critical illness insurance: The neglected cover that could be crucial https://www.theguardian.com/money/2013/dec/07/critical-illness-insurance-bad-reputation (2013) Legal General Policy Booklet- http://www.legalandgeneral.com/_resources/pdfs/life-cover/mylife/LifeInsurance-with-Critical-illness-Cover-Policy-Booklet.pdf (2016) LG Underwriting Quick Reference Guide, http://www.legalandgeneral.com/library/protection/underwriting-literature/GuidetoUnderwriting.pdf (2010) Money Advice Service, Care Costs https://www.moneyadviceservice.org.uk/en/articles/care-home-or-home-care (2017) Money Advice Service, Press Release. https://www.moneyadviceservice.org.uk/en/corporate/four-out-of-10-adults-are-not-in-control-of-their-finances-new-strategy-launched-to-improve-uks-financial-capability (2015) This is Money.co.uk, What next for savers. http://www.thisismoney.co.uk/money/saving/article-4070642/What-savings-rates-2017-savers-set-misery.html (2017) Introduction to Simple Linear Regression: Article Review Introduction to Simple Linear Regression: Article Review Simple Linear Regression Introduction to simple linear regression: Article review Abstract The use of linear regression is to predict a trend in data, or predict the value of a variable (dependent) from the value of another variable (independent), by fitting a straight line through the data. Dallal (2000), examined how significant the linear regression equation is, how to use it to draw the best fitting line of the scatter plot and how important the best fitting line is. Introduction to simple linear regression: Article review The use of linear regression is to predict a trend in data, or predict the value of a variable (dependent) from the value of another variable (independent), by fitting a straight line through the data. Linear regression represents a connecting link between the independent (carrier) variable and dependent (response) variable, which if graphed on X and Y-coordinates, results in a straight line. Linear regression shows the straight line which thoroughly represents, or predicts, the value of the response variable, given the noted value of the carrier variable (Frey, 2006). This essay aims at reviewing the article introduction to simple linear regression by Dallal (2000). Problem statement Dallal (2000) assumed a relationship between body mass (independent or carrier variable) and muscle strength (dependent or response variable), the more body mass the more muscle strength. However, this relationship is not without exceptions, which is reflected on the scatter plot of a regression model. Therefore, the author posed the question of how to illustrate the straight line, which accurately portrays the data, or predicts the value of the response variable. Research purpose statement In the given example, most cases would show a perfect regression. However, standardization of the procedure of putting in a straight line is necessary to provide better communication and common grounds for analysts working on the same data. Further, in the example regression equation given (Strength = -13.971 + 3.016 LBM [Lean Body mass]), one can draw two conclusions; first, a predicted muscle strength equals LBM multiplied by 3.016 minus 13.971. Second, the difference between muscle strength of two individuals is presumably 3.016 multiplied by the difference in their LBM. Research questions Research question 1: Why we need to fit a regression equation into a set of data? It is clear from the previous example there are reasons for fitting a regression equation into a set of data. These are 1) to describe the data, and 2) to predict an independent (response) variable from a dependent (carrier) one. Research question 2: What is the underlying principle of calculating a straight line? If the points signaling data in a scatter plot are close to a line, it means the line represents, matches or gives a good fit of data. If not, then the line with most of the points closer to it that any other is the one that gives good fit of data. Further, If the is used to predict values, these values should close enough to the noted ones, in other words, residuals (observed values – predicted values) should small values. Research question 3: How linear regression (least squares) equation is used to illustrate the best fitting line? The standard used, as the name implies, is the sum of squared residuals (observed – predicted values) is minimal for the best fitting line. This applies to a line fitted to a set of sample data to promote generalization to a population from which this sample was taken. Yet for a population, there is a slightly different linear regression equation. The equation illustrates that an output (dependent) variable on the Y-axis can be predicted from an input (independent) variableson the X-axis after adding a random error (si). Research question 4: Is the sample regression equation an accurate estimate of the population regression equation? There is a reservation for accreditation of this statement, which is directed at the confidence bands in relation to the regression line. They are understood as the standard error of the mean (the standard deviation of the mean of the sampling distribution). Yet with one exception that is the sampling mean of the dependent variables amplifies as it adds distance from the mean. Sources of data Dallal (2000), stated in the second part of his article (linked to the main article) are cross- sectional data. This type of data has the advantages of being used if sampling method are not weighted and-or un-stratified. This method can also be used if the researcher is concerned only with minor or small probabilities. The longitudinal data results in more statistical power, however, in repeated cross-sectional analysis, new subjects added per analysis compensates for the inherent decreased statistical power (Yee and Niemeier, 1996). Data collection strategies and methods A good data collection strategy should have two objectives, namely, having motivated respondents (affected by time consuming, trust in statistics, difficulty of questionnaire, and benefit included). The second objective should be having high quality data, which tailored to sample individuals, sampling method and good instruments of data collection (Statistics Norway, 2007). Methods of data collection are many and selection of a particular method depends on the available resources, reliability, resources of analysis and reporting, besides the skills and knowledge of the analyst. Some of these methods are case studies, behavior observation check lists, attitude, and opinion surveys, questionnaires distributed by mail, e-mail, or phone calls. Other methods of data collection include time series (evaluating one variable over a period of time as a week), and individual or group interviews (The Ohio State University Bulletin Extension, 2005). Conclusions Dallal (2000), inferred that simple linear regression means that we can predict a dependent variable from an independent one, so whenever we need to know from the beginning each time we add information. The regression line is important as it makes the estimation of a dependent variable more accurate and it allows the estimation of a response variable for individuals with values of the carrier variable not included in the data. The author also inferred there are two methods of predicting a variable either from within the range of values of independent variable of the sample given (interpolation) or outside this range (extrapolation). The author recommended the first method as it has the advantage of being safe, yet with concerns as regards the way to demonstrate the linearity of relationship between the two variables. References Dallal, G. (2000). Introduction to simple linear regression. Retrieved January 14, 2008, from http://www.tufts.edu/~gdallal/slr.htm. Frey, B. (2006). Statistics Hacks. Sebastopol, CA: OReilly Media Inc. Statistics Norway (2007). Strategy for data collection. Retrieved 04/07/2008, from http://www.ssb.no/vis/english/about_ssb/strategy/strategy_data_collection.pdf The Ohio State University (2005). Bulletin Extension Step Four: Methods of Data Collection. Retrieved 04/07/2008, from http://www.ohioline.ag.ohio-state.edu Yee J L. and Niemeier D (1996). Advantages and Disadvantages: Longitudinal vs. Repeated Cross-Section Survey-A Discussion Paper. Project Battelle, 94, 16-22. Weberian Model Of Bureaucracy: Criticism Weberian Model Of Bureaucracy: Criticism Bush (2006) defined Educational management as a field of study and practice concerned with the operation of educational organizations. He has also claimed several times that educational management needs to be essentially concerned with the purpose or goals of education since they give the fundamental sense of direction needed for effective management of educational organizations. He concluded that a singular all-inclusive theory of educational management does not simply exist as educational institutions are so diverse and even similar schools and colleges have to deal with completely different problems, which necessitate diverse approaches and solutions (Bush 2006). 2.0 Management, Administration and Leadership. The concept of management often intersects with two parallel terminologies, namely leadership and administration. The difference is mainly regional according to Bush (2006).The term Management is commonly used in Europe, and Africa, where as administration is favored in the United States, Canada, and Australia. On the other hand the term Leadership is much more contemporary and it is of great interest in most developed countries (Bush 2006). However other authors have differentiated these three concepts by claiming that they have opposing definitions. Cuban (1988) has provided a distinction between leadership and management namely leadership is influencing others actions in achieving desirable ends and Managing is maintaining efficiently and effectively current organizational arrangements. He also added that both managing and leading are equally important and he confer no special value to either as they are both needed in different situations and at different times in order for schools to function effectively and meet their goals (Bush 2006). Bolman Deal (1997) also talk about the importance of both leadership and management. He maintained that leading and managing are distinct. The objective perspective of the manager as well as the flashes of vision and commitment-wise leadership provides are what is needed by modern organizations (Bush 2006). Furthermore Dimmock (1999) claimed that school leaders [experience] tensions between competing elements of leadership, management and administration. According to him leadership is the higher order tasks designed to improve staff, student and school performance, where as management is the routine maintenance of present operations and administration is the overarching term, which incorporates both leadership and management. 2.1 Leadership Leadership has been defined by Chemers (1997) as a process of social influence in which one person is able to enlist the aid and support of others in the accomplishment of a common task (Chemers 1997). From this definition we can understand that leadership involves a social influence process in which one individual exerts intentional influence over others to structure activities and relationships in a group or organization. Bass and Stogdill (1990) added that leadership is the process of in ¬Ã¢â‚¬Å¡uencing others to attain common aims. Spillane, Harvelson and Diamond (2004) defined Leadership through another angle. They claimed leadership is not simply a function of what a school principal, or indeed any other individual or group of leaders, knows and does. Rather, it is the activities engaged in by leaders, in interaction with others in particular contexts around specific tasks. Education researchers agreed that effective leadership is a key element to achieve school improvement. According to Harris (2002), research findings from diverse countries and different school contexts have revealed the powerful impact of leadership in securing school development and change. A further important aspect while practicing leadership is the level of power and control which schools and other educational institutions assert/maintain on their in-house management and operations (Bush 2003). However, effective leadership styles in education can be as varied as the large number of schools. Therein lays the difficulty in providing accurate definitions of leadership. Accordingly, Fiddler (1997) pinpoints two main characteristics of leadership: a sense of purpose and confidence is engendered in followers and followers are influenced towards goal achievement. He continued explaining that there are various factors determining the appropriate leadership approach that need to be adopted at any particular point in time, namely : the context and its pre-history; the nature of the followers; the particular issues involved; in addition to the predispositions of the leader (Fiddler 1997). Accordingly different leadership styles may need to be adopted to deal with specific circumstances. Leithwood, Day, Sammons, Harris and Hopkins (2006), as cited by Crum, Sherman and Myran (2010), have summarized four core practices for successful school leadership as follows: (1) Setting directions. (2) Developing people. (3) Redesigning the organization. (4) Managing the instructional (teaching and learning) program. 2.1.1 Leadership theories Scholars have come up with different leadership theories throughout history. It all started with the Great Man theory which implies that leaders are born and is not made (Hoy and Miskel 2004). The idea that leadership is inherited further resulted in the trait approach of leadership. In 1927, Bowden carried out a significant study which associated leadership with personality. Hoy and Miskel (2004) cited the explanation of Bass and Stogdill (1990) concerning this leadership style: Leaders were generally regarded as superior individuals who, because of fortunate inheritance or social circumstance, possessed qualities and abilities that differentiated them from people in general. After a thorough research, Stogdill (1948) concluded that leadership is not gained solely by some inherited traits or characteristics since different situations have great influence on the impact of traits. So he came up with the theory of situational leadership (Hoy and Miskel 2004; Turner, 2005). Hunt and Larson (1977) came up with the behavioral model of leadership which implies that leadership can be taught and learned by way of teaching and observing leadership behaviors (Northhouse 2010). Behavioural theories are centered on the belief that great leaders are made, not born. The focus of this theory is the actions of the leaders, and it is not the qualities or states of the leaders (Hoy and Miskel 2004). Spillane, Harvelson and Diamond (2004), Hemphill and Coons (1950), Kunz and Hoy (1976) and Mouton and Blake (1984) among others investigated on the concept of leadership as a series of behaviors. Their studies resulted in defining various taxonomies of behaviors, including monitoring, consulting, and delegating as Hallinger and Hausman (1993) pointed out. Others like Lewin, White and Lippitt (1939) have identified other styles of behavior, such as autocratic, democratic, and laissez-faire. Mouton and Blake (1964) named their findings on behavioral styles as employee-oriented and directive where as Likert called his as task-oriented and relationship-oriented and he has discussed about the relationship between these behaviors (Spillane et al. 2004). More recently Yukl (2002) developed three fundamental classes of leader behavior and he described them as Task-oriented behaviors, Relations-oriented behaviors and Change-oriented behaviors (Hoy Miskel 2004). In 1964 the contingency theory of leadership was developed by Fiedler (1967). According to him, leaders must complement the situation to his leadership behaviors for greater effectiveness (Spillane et al. 2004). The evolution of leadership theories continued with the transactional and transformational theories in the early eighties and Burns (1978) is often accredited to be the father of these concepts. Transactional theories, concentrate on the role of supervision, organization and group performance. These theories establish leadership on a scheme of rewards and punishments (Hoy and Miskel 2004). Transformational theories of leadership are considered as recent leadership theories and according to Bass (1990), this theory is an expansion of the transactional theory of leadership. Transformational leaders motivate and inspire others by helping the followers to see the importance and good side of the task. These leaders focus on the performance of group members, but they also encourage each individual to meet his or her full potential. Leaders having this style are often highly ethical and have moral standards (Hoy and Miskel, 2004; Turner, 2005) 2.2 Management As Dimmock (1999) has stated, managing means being in charge of the day to day running of the school and it is the maintenance of the system. Dash and Dash (2008) define management as the primary force within any organization which coordinates the activities of its various systems in relation to its objectives. According to them, management can be considered not only as a theory but also as a process. The theory part comprises of the philosophy, Knowledge, art, concept, objectives, functions, principles and practices, models. The process part comprises of human relations, managing physical and financial resources, planning, organizing, decision-making, executing, directing and controlling people in order to meet the objectives set. 3.0 School and Structure The School is a complex open social system. In this system the structure is a key element in transforming inputs into outputs. The structure, also called the bureaucratic expectations, defines our role and responsibilities (Hoy and Miskel 2004). Hoy and Miskel (2004) explained the transformational process of a school using the diagram below: Inputs Outputs Cultural System (Shared Orientations) Transformation Process Political System (Power Relations) Individual System (Cognition and Motivation) Learning Learning Teaching Teaching Environment Structural System (Bureaucratic Expectations) Figure 1Social-systems model for schools They explained the five key elements within the transformational process. Structure is the bureaucratic expectations designed and organised to fulfill organisations goals. The Individual provides energy and capacity to achieve organisations goals and he is viewed in terms of needs, goals, beliefs, understanding of work roles (Hoy and Miskel 2004). Mintzberg (1994) defines the structure of an organization as the sum total of ways in which it divides its labor into distinct tasks and then achieves coordination among them. Hoy and Miskel (2004) have focused on structure since it is considered as the backbone of any organization, which is the framework under which we are all doing the necessary operations. The structure monitors operations at operational level of any organization. Within a structure, we are expected to make the whole machinery work. Structure provides order, cohesion and coherence. All schools do not follow the same structure; some have an enabling or productive structure whereas others have a coercive or hindering structure (Hoy and Miskel 2004). 3.1 Enabling and Coercive bureaucracy Lawsons made a distinction between an enabling and a coercive bureaucracy. According to him, an enabling bureaucracy promotes creative, informal relations among all the employees irrespective of the levels of hierarchy. The more an organization has an enabling bureaucracy, the larger the benefits to workers and clients. In this type of bureaucracy, the workforce is considered to be an asset or a resource on which the leaders capitalize. To this end, the latter encourage and endorse professional norms and standards as they know that the workers want and need their work to be pleasant and significant. Leaders also provide training and supports to the workers to foster expertise and mastery, thus they could be trusted to make good and solid decisions. This kind of proficient and cooperative supervision is regarded as a supportive one for the workers. Moreover, workers participation is also solicited as they are aware that working conditions will determine the workers efficacy, effective ness, and their loyalty. In a coercive bureaucracy, norms and rules are not variable or open to alteration. Such a bureaucracy is considered as mechanistic since the whole organization functions, generally, on automatic pilot where there is a small number of people at the controls. All emphasis is on the respecting the norms and regulations and on the dutiful implementation of the appropriate procedures .Only the people at higher levels of the bureaucracy have a clear picture of the work needing to be performed and its relation to societal expectations and needs. Indeed the main function of the leadership hierarchy such as commissioners, managers, and supervisors is to secure submission from the workers via a strategic system of supervision and sanctions. The workers are expected to perform so as to secure their salaries and benefits which are their only incentives to be effective. Furthermore, in a coercive bureaucracy the workers are not trusted enough to participate in decision making and they are not pro vided with the appropriate expertise to give their superiors, thus the latter conduct close supervision on a daily basis. If the workers are suspected to not following the rules, the supervisory and managerial grip tightens. Consequently coercive bureaucracies become more and more hindering as in a vicious circle, bringing together a deterioration of the organizations climate (Lawson). 3.2 Weberian Model of Bureaucracy and Its Criticism Throughout the ages, many scholars have developed different organizational structures. But among them, the Weberian model of Bureaucracy is the most popular and is the theoretical basis of most contemporary study on structure. This model of bureaucracy was developed in late 1940s by Max Weber and all formal modern organizations, as well as schools, enclose aspects of the Weberian model of bureaucracy. This organizational structure comprises of five characteristics namely the Division of labour and specialization, the impersonal orientation, the hierarchy of authority, the rules and regulations and the career orientation (Hoy and Miskel 2004). Despite being largely utilized, the Weberian model has quite some limitations. Weber describes organisation as a non-living thing which can be easily moulded, but open-social system involves people and cannot be viewed as non-living. Moreover people are not all rational and well structured. Weber is describing an ideal situation, not made up of reality and on the other hand organisation is made up of people and people change, not everybody wants to attain the highest level of efficiency. Hence, there are bound to be major dysfunctions in Weberian model since this bureaucracy is made up of people and not everybody is rational, abiding and cooperative, complient, disciplined. His theory does not deal with internal contradictions of elements in the model (Hoy and Miskel 2004). Concerning the Hierarchy of authority its dysfunctions is about the distortion and blockage in communication. Every level in hierarchy is a potential communication block if subordinates are reluctant to communicate anything that will make look bad in the eye of their superior. The main dysfunctions of rules and regulations is the goal displacement, rules become ends in themselves and administrators focus too much on rules and consequently ignore certain important goals. Moreover rules and regulations can engender legalist attitude. Another critics of rules is that they are either punishment centred or representative (Hoy and Miskel 2004). Career orientation has also dysfunctions. Rapid promotion of high-achievers might produce discontent of loyal, hard working senior employees who are not as productive or creative. The Weberian model of bureaucracy also suffered from Feminist critique such as qualified women do not receive equal treatment or compensation. The feminine side is often suppressed and devalued by bureaucracies. Last, the Weberian model is criticized for having not taken into consideration the informal organization. Informal social exchanges produce differences in social relations and new networks of communication emerge. Informal organisation is not an enemy to be suppressed but rather a useful vehicle for improving efficiency (Hoy and Miskel 2004). 4.0 School Management As stated above, schools are social organizations with set objectives and their human, financial, material and physical resources (Dash and Dash 2008). The one responsible for managing all these resources is the principal or the head-master. Here is a list of his expected duties: find the best and cheapest way to achieve the objectives, careful planning, organization of human resources and materials, using the physical resources in the best way, controlling and monitoring all the different school activities, decision-making and the evaluation of the progress and achievements. In short, school management means the use of people and other resources to accomplish the objectives of the school. Such was the definition of Kutz and Boone (1984), quoted by Dash and Dash (2008). School management is divided into two parts: internal management and external management. Internal management comprises of managing the administrative works and the human, financial and material and physical resources. On the other hand, the external management is the relationship with the community, department and other external stakeholders of the school (Dash and Dash 2008). Decision-making in many schools is also split into different lines of work and the four main domains are the personnel management, the financial resources, the student policies and the curriculum and instruction. School decision-making also consists of other domains such as the development of Infrastructure, maintenance and security (Economic note 2007). 5.0 School Leadership School leadership is to identify, to acquire, to allocate, to co-ordinate, and to make use of the social, material, and cultural assets which are essential for establishing the appropriate environment in which teaching and learning will be possible. Leadership also implies the mobilization of the human resources such as the school personnel and clients so as to spot, handle, and assume the duty of changing instruction. Adding to that, they should harness and mobilize the resources required to sustain the transformation in the teaching and learning process (Spillane 2005). 6.0 Reforms in School Management From the time that schools have been recognized as formal institution, it has known numerous changes in different spheres and it is continuously being subject to change and transformation. Recently both teachers and schools have experienced an unprecedented rate of change having both positive and negative outcomes (Aspinwall 1996). Pedler, Burgoyne and Boydell (1991) define the learning organisation as: an organisation that facilitates the learning of all its members and continuously transforms itself in order to meet its strategic objectives. (Coldwell, Williamson and Cameron 2007). Caldwell (2005) defined Transformation as significant, systematic, sustainable change, securing high level achievements in all settings. 6.1 How to become A Great School? Hopkins (2005) explains how a school can become great and he suggest various strategies, known as the key drivers in order to meet this end. These key drivers are personalised learning, professionalised teaching, networking and innovation and intelligent accountability. He argues that every school a great school is not just a slogan, but an aspiration for the next stage of educational reform, in which each student has the opportunity to reach their potential. Hargreaves (2003) affirmed that school as a learning organization has to motivate teachers and create new professional knowledge. School has got the responsibility to ensure that teachers have got high morale, they are given continuous development, they are provided with the appropriate platform to engage actively in innovation so as things can be done differently. To be a great school requires strategies such as capacity building of and by the key actors, providing access and opportunities and transformation. Capacity development is important and great school will need to have further resources and see how these are being developed (Hopkins 2005). Hopkins (2005) in his explanation on the key drivers, mentioned that the activities should be decentralized and the school should provide greater freedom and authority from the centre to the periphery for the school to work effectively. The re-tooling of school structures will certainly help to keep the strength of the school system (Hopkins 2005). Access to best practice and quality professional development will help to improve performance and achievement. Transfer of best practice is not the easiest; sharing of experience is an important barrier. Alliance is important- should borrow the best practice, modify it and implement it in our own way. The element of flexibility in utilization of best practice is important. Schools as a learning organization have to motivate teachers and create new professional knowledge at the level of the school. This is important in order to help to motivate the teachers keeping a high morale and not to become disgruntled. Professional development should go side by side with leadership development (Hopkins 2005). Senge (1990) defined a learning organization as one à ¢Ã¢â€š ¬Ã‚ ¦where people continually expand their capacity to create the results they truly desire, where new and expansive patterns of thinking are nurtured, where collective aspiration is set free and where people are continually learning how to learn together (Johnston and Caldwell 2001). To make optimum use of its human resources, an organization must make sure that everyone should be prepared to learn at every opportunity. Organizations will only succeed when learning will be seen as a continuous need for each individual. However, the learning organization will not become one by a sudden and remarkable transformation, rather it should proceed by developing gradually each of the five disciplines, namely, systems thinking, personal mastery, mental models, shared vision and team learning (Johnston and Caldwell 2001). Intelligent accountability will only be possible if there is close monitoring of every aspect of school life. Monitoring of performance data is crucial and eventually it leads to the development of a framework for effective, ongoing self-evaluation of the level of the school (Hopkins 2005). 7.0 Decentralization of School Management In the 1980s and 1990s, a new international trend emerged in many developed countries throughout the world, that of decentralization of their education system. It was obvious that large, centralized bureaucracies didnt possessed the necessary qualities to keep pace with the rapidly changing economic realities. According to Levacic (1998) and Raab (2000), the step was to decentralize the decision-making from the central government to the local school level and to share the decision-making among the principal, teachers, parents, community members and students at the school level (Ng and Chan 2008). Accordingly, many schools adopted the school-based reforms, with a goal to upgrade the quality of education, which is expected to sustain the state competitiveness internationally. Ng and Chan (2008) further enumerated various examples of such school-based reforms. These are In the UK, the Educational Reform Acts of 1988 and 1993 introduced the reforms of Local Management of Schools and Grant-maintained Schools. In the USA, there were similar reforms of Site-based Management and School-based Leadership. In Australia, the Schools of the Future and Better Schools were also based on a school-based reform approach. According to School-based Management published by the United Nations Educational, Scienti ¬Ã‚ c and Cultural Organization (UNESCO) (Abu-Duhou 1999), many other examples could be found in Europe, Asian and Latin America countries (Ng and Chan 2008). They further interpreted such a collective shift as a means to enhance the education quality, responding to globalization and to develop the knowledge-based economy. This decentralization archetype is expected to provide greater freedom and responsibility to principals, teachers, students and parents, in domains like the school decision making about budgets, personnel and the curriculum. Such a freedom will enable them to establish more effective learning environments for the students (Ng and Chan 2008). The Economic Note (2007) also examined this particular form of market-based education reform known as decentralization of school management which has become more and more popular during the recent years. Also known as school-based management, the decentralization of school management can be in various modes and has emerged in many forms in different countries. The main argument brought to support decentralization is that principals, teachers and parents are best placed to make decisions about how a schools resources should be organized to meet the needs of students and the wider community (Economic note 2007). 7.1 Criticism of Decentralisation Many advantages have been observed such as an improvement in educational outcomes due to the enhanced management and accountability of schools and examples of that are: an increase in the test scores and a decrease in drop-out rates. Another advantage is a more effective organization as an autonomous school had the strongly influences the overall quality of the school organization (Economic Note 2007). Other prospective benefits from decentralization are an increase in efficiency and innovation in the teaching and learning process of education, a reduction in the educational bureaucracy, schools become more receptive to the needs of the local communities, the accountability is reinforced and an increased commitment with the schools, thus increasing the financial support. Increased self-management for schools is a key element in whichever strategy to provide greater choice in education (Economic note 2007). In World Bank (2007b), the authors provide a comprehensive analysis of case studies in some countries where the process of decentralization of authority to the local-level is in force from the past decades. Among the various strategies brought by Governments around the world for the improvement of financing and delivering of education services and more recently to improve the quality and to increase quantity of enrollment rates, is the decentralization of educational decision-making. Defenders of this strategy argue that such type of decentralization encourages demand and it guarantees that schools now echo priorities and values of the local communities (World Bank 2007b). In conferring the freedom to voice out and the decision-making power to local stakeholders, who is more knowledgeable about the local education systems than the chief policymakers, decentralization can bring greater progress to educational outcomes thus increasing the clients satisfaction (World Bank 2007b). The decentralization of decision-making in education has various definitions and names but it is most commonly known as School-based Management (SBM). However they are all relevant in decentralizing authority from the central government down to school level (World Bank 2007b). 8.0 School-based Management or Self Managing School Caldwell (2005) has observed that the governments of every country aim at transforming their schools. Transformation is only attained when significant, systematic, and sustained change has occurred, thus improving outcomes for every students in whichever settings and contributing socially and economically to a country. One of the strategies invariably proposed to meet this goal is the School-based management. The management of a school is in no way a simple task, the head of school alone will not be able to attend to all these duties. As Dash and Dash (2008) have rightly said School management is a cooperative human endeavour. They further continued by explaining that for an effective school management, teachers, parents, students and even the community members have to cooperate with the head of school even if he is the manager of this human enterprise. Through the literature, we have come across several definitions of school-based management where one complements the other. Some of them are worth noting: The Economic Note (2007) defined School-based management as the systematic decentralization to the school level of authority and responsibility to make decisions on significant matters related to school operations within a centrally determined framework of goals, policies, curriculum, standards, and accountability. In the World Bank (2007b), two main definitions were quoted. First, Caldwell (2005) definition SBM is the decentralization of authority from the central government to the school level. Secondly the definition of Malen, Ogawa and Kranz (1990): School-based management can be viewed conceptually as a formal alteration of governance structures, as a form of decentralization that identi ¬Ã‚ es the individual school as the primary unit of improvement and relies on the redistribution of decision-making authority as the primary means through which improvement might be stimulated and sustained(World Bank 2007b). Bush and Gamage (2001) quoted a definition of school-based management given by Caldwell and Spinks (1988) as a self-managing school as one for which there has been major and steady decentralisation to the school level of authority to make decisions related to the distribution of resources. Decentralization of school management is another way of calling the above mentioned cooperation. Decentralization or school-based management varies from country to country and it can take different shapes (Economic Note 2007). School-based management has many shades of meaning. It has been implemented in different ways and for different reasons and at different rates in different settings, as Caldwell (2005) pointed out. A large number of countries in the world have adopted the school-based management in different forms of self-governance according to their specific context. However each of them revolves around the same central idea that greater autonomy will lead to improved educational outcomes (Bush and Gamage 2001) and that there has been an increase in authority and responsibility at the school level, but within a centrally-determined framework that ensures that a sense of system is sustained (Caldwell 2005). The authority is typically delegated to the governing bodies at school level which consist of representatives of significant stakeholders, at the same time as the delegation of the operational management to the principal. The concept of self-governance is centered on the idea that decision-making concerning groups of individual within the educational system should be in the hand of those within the schools in

Corruption in Colombia Essay

There has been a four-decade long conflict between government forces and anti-government groups, such as the Revolutionary Armed Forces of Columbia (FARC) who are funded by the drug trade, has escalated over the years. Since about 2002 the violence has decreased a slit amount because of the lack of the military and popular support necessary to overthrow the government. However these groups of insurgents have continued to attack civilians. Large areas around Columbia are under the revolutionary influence. By the end of 2006, more than 31,000 former governments’ officials had ceased to function as long as the formal organization the United Self Defense Forces of Colombia (AUC). When this occurred criminal groups arose and members included former government officials. The Colombia Government has made efforts to advance government control throughout the country. In order to understand how corruption is affecting Colombia, we must first examine concrete economical statistics. The Colombian Peso exchange rate depreciated 6. 64 percent against the US Dollar during the last 12 months. The Colombian Peso spot exchange rate specifies how much one currency, the USD, is currently worth in terms of the other, the COP. While the Colombian Peso spot exchange rate is quoted and exchanged in the same day, the Colombian Peso forward rate is quoted today but for delivery and payment on a specific future date. Colombian pesos (COP) per US dollar: 1,869. 9 (2010) 2,157. 6 (2009) 2,243. 6 (2008) 2,013. 8 (2007) 2,358. 6 (2006) According to the CIA World Factbook, Colombia is ranked 59th in exports and 54th in imports. In May of 2011 Colombia exports were worth 4704 Million USD and imports were worth 4931 Million USD. Their major exports are petroleum, coffee, coal, nickel, gold and, nontraditional exports. Their major imports are industrial and transportation equipment, consumer goods, chemicals, paper products, fuels, and electricity. The total population in Colombia was last reported at 45. 9 million people in 2010 from 16. 0 million in 1960, changing 187 percent during the last 50 years. Colombia has 0. 67 percent of the world? s total population which means that one person in every 150 people on the planet is a resident of Colombia. The unemployment rate in Columbia from 2000 until 2010 averaged at 14. 7 percent. The highest percentage was in January of 2001 when it was 20. 99 percent. The lowest percentage was in November of 2007 when it was 8. 91 percent. Labor force is the number of people employed plus the number unemployed but seeking work. The non-labor force is those who are not looking for work, those who are institutionalized, and those serving in the military. According to the World Bank, the Colombia Gross Domestic Product is worth 288 billion dollars or 0. 46% of the world economy. Colombia’s average GDP was 60. 55 billion dollars and reached the highest dollars in December of 2010. Colombia is a free market economy with major commercial and investment ties to The United States. Transition from a highly regulated economy has been underway for more than 15 years. Colombia’s average annual economic growth rate was of over 5% from 2002 to 2007. The inflation rate in Colombia was last reported at 3. 3 percent in August of 2011. Inflation rate refers to a general rise in prices measured against a standard level of purchasing power. The most well-known measures of Inflation are the CPI which measures consumer prices, and the GDP deflator, which measures inflation in the whole of the domestic economy. Corruption’s negative impact on Colombian Foreign Direct Investment is reflected by the poor image of Colombian government by its citizens. The Colombian government, although less developed and more corrupt, is structured similarly to the United States’ government. However unstable it may be, it is a republic and consists of three branches: executive, legislative and judicial. Also like the United States, Colombia is dominated by two major political parties, the Colombian Conservative Party and the Colombian Liberal Party. Because of the natural radicalism of the two parties, two major civil wars have resulted from their existence, The Thousand Days War and La Violencia. The Thousand Days War is a prime example of how the corruption of the Colombian government has made Foreign Direct Investment a very difficult achievement for Colombia. The Thousand Days War was a civil war fought between the Conservative Party of Colombia and the Liberal Party of Colombia, sparked by corruption. In 1898, Conservative Party member Manuel Antonio Sanclement, was elected president of Colombia. This was very controversial because it was believed that significant election fraud had made this possible. As Sanclement was an adamant Liberal Party oppose, the Colombian Liberal Party waged war. The war, which lasted 4 years, claimed an estimated 100,000 lives. As devastating of a loss as 100,000 people is, the worst outcome of The Thousand Days War may be that it did little to resolve the extreme differences between the Liberal and Conservative Parties of Colombia. The Thousand Days War was soon followed by a second civil war more commonly known as La Violencia. La Violencia was also a war founded on corruption. It was sparked by the assassination of the Liberal Party leader Jorge Eliecer Gaitan. After the assassination in 1948, Conservative Party leader Laureano Gomez, was the uncontested elected president in 1950. Under Gomez’s power, there was an increased rate of violence, specifically by the liberals of Colombia who were very upset about Gomez’s rise to power. Gomez was overthrown by a military coup led by General Gustavo Rojas Pinilpla in 1953. However, Rojas proved to be just as corrupt his predecessor and was soon overthrown by the Colombian military, with the support of both the Conservative and Liberal parties. La Violencia, a time properly named after and extreme period of violence and conflict, lasted from 1946 to 1957. Within that timespan it claimed an estimated 300,000 Colombian lives. The following chart shows the number of Colombian citizens who are murdered per 100,000 people by year. What is more concerning than its high rates, is that it continued to increase even after La Violencia. These extreme rates of murder and frequent conflicts are heavily dependent on the poor image citizens have of the Colombian government. There is a lack of trust in the Colombian government. Historically, governmental corruption is common practice in Colombia, just as it is a frequent occurrence that violent rebellions and civil wars take place in order to transfer power between the two political parties. This poor government infrastructure and lack of control allows corruption to run wild in Colombia making it a very difficult place for Foreign Direct Investment. This poor image of government in Colombia did not see much improvement after La Violencia. Another violent problem emerged with narco-terrorism. Colombia has become notorious for its cocaine production. In 2008, Colombia was the sources of 50% of the world’s cocaine. It is an industry which is very frequently held out violently, leading to what is known as narco-terrorism. In 1990, three presidential candidates were killed by narco-terrorists. With the rise of drug trafficking in Colombia, it appears that narco-terrorists have more control than the Colombian government. Although Colombian government has always struggled with corruption, there have recently been many signs of improvement towards a better country for Foreign Direct Investment. Within the past decade, several laws have been passed to weaken drug cartels and strengthen governmental control. From 2002 to 2008 Colombia has seen a decrease in many historically struggling areas. Its homicide rate dropped 44%, its kidnapping rates dropped 88%, its terrorist attacks dropped 79% and its attacks on country’s infrastructure dropped 60%. These tremendous improvements show an increase in governmental authority in Colombia. If Colombia can continue to improve in these areas and demonstrate that its government can have more control over its people, without corruption, it will become a much better candidate for Foreign Direct Investment. In August 2010, President Santos, introduced a legislation that would distribute industry incomes to Columbians who have lost their land due to violence. He also is trying to make improvements through domestic security. Columbia is third largest exporter of oil to the United States. Foreign direct investment from 2008 to 2009 went from $10 billion to $7. 2 billion. Even though records show that it has dropped $2. 8 billion, in 2010 it began to recover their losses through the oil sector. Because of their financial crisis the economy didn’t grow significant amount till 2010 then it grew 4. %. Before that the growth was a low percentage. With the challenges that Colombia’s faces it requires major improvement to sustain economic expansion. The outrageous amount of corruption in Colombia is hindering its economy and stopping it from becoming a safe and stable country. Although it is one of the oldest democracies in Latin America, Colombia has some of the most corrupt elections. An estimated 130,000 candidates are running for election at the local, regional, and national levels. 10% of these candidates have proven criminal records. About a third of their senate is currently under investigation for parapolitics and many of which are already in jail. The corrupt election are stopping Colombia from having a stable government which is stopping foreign investors from taking the risk of putting money into Columbia, meaning less jobs and poorer quality of life for the average Colombian. In 2005 the parapolitics scandal was uncovered and left the Colombian senate in chaos. The Colombian senate seats 102, and with 51 senators now being investigated and 29 in jail, they are virtually paralyzed. As each senator is arrested, it delays the agenda for legislation even more. Paramilitary leaders have confessed to hundreds of thousands of crimes including murders, abductions, rapes, narcotics, and extortion. They have also confessed to backing many politicians in an attempt to be protected outside of the law. Many members of the former president of Colombia, President Alvaro Uribe’s party were arrested for parapolitics showing the world how unstable the Colombian government is. One of the arrested politicians includes the president’s cousin Mario Uribe who has had very close ties to the president both family-wise and politically. This influenced the United States greatly and in 2007 a package of military aid destined for Colombia from the United States was blocked in the U. S. senate because of fear of election corruption. Colombia depends on the U. S. greatly, as it is number 3 in the world for U. S. military aid. The aid is used to assist in fighting the drug war and without it; more violence and corruption will take place. Paramilitary has a huge effect on the elections conducted in Columbia. There are around 20,000 paramilitary fighters in the country all growing from their creation in the 1980’s. In 2010 armed groups killed over two dozen candidates running for election and at the same time they invested large sums of money to fund their own candidates’ campaigns. Along with bribing people to run for them, these armed groups will also pay the public for individual votes. This can be as much as $40 per person in some places. Other times they will also use sheer military force to intimidate the public into voting for them. Many of the jailed parapoliticians have others running in their place as puppets while they are still in jail. Caracol news agency reported that 18 of the candidates in 2010 were â€Å"political front men† for ex-senators. There was an increase in the amount of women running for election which usually is considered a good thing. The truth is that the ones with the best chance for election were being backed by paramilitary families in an attempt to keep seats lost by jailed parapoliticians. The other big problem in Colombia its enormous drug trade and the negative effect it has on the economy. Columbia is the world’s largest cocaine producer and accounts for 43% of coca cultivation (the crop used to make cocaine). 0% of the cocaine found in the United States is Colombian. Combined, Colombian and Mexican drug cartels make an estimated $4. 6 billion exporting to the United States per year. Overall Columbia’s drug trade is about $10 billion / year which is equivalent to 25% of the countries legal exports. In 2008 81,000 hectares of land were being used for illegal coca cultivation. These are staggering numbers and makes you wonder, how is all of this being allowed to happen? If Colombia was not as corrupt as it is, this wouldn’t happen. Many of the drug lords use their influence and resources to pay off politicians, police, and military to turn a blind eye to their drug trade. Attempts have been made to stop this massive drug trafficking but so far it has only slowed it down. Colombia’s defense spending is now at $12 billion per year which is triple the average defense budget of other South American countries. Along with an increased defense budget, the United States has also committed an additional $6 billion since 2001 to help crackdown on the coca production. These are large sums of money that could be spent in other more productive ways. Such as, creating a better national infrastructure and creating jobs. $18 billion is a lot of money to invest in an economy, and currently they are losing all of that potential production because drugs are such a big problem. Drug trafficking and election corruption are both hurting the Colombian economy. Billions of dollars are being spent to stop the corruption but to this point there is still a great deal going on. In order for Colombia to have better production in a global economy, they must prove to the world they have a stable government, and reduce the risks associated with investing in them. Over the past few years, foreign direct investment in Colombia has been gradually increasing as their country has been fighting the corruption and violence that had been prominent. Some of the most advantageous areas for FDI are technology, fuels – such as coal, oil and natural gas — and infrastructure. One reason that fuel is a wise choice for FDI is because Colombia has much more oil than is being used by its population: This excess would allow foreign companies access to enough oil to run more plants at a cheaper cost. Infrastructure is also important because Colombia’s current ease of transportation leaves much to be desired. If a company decided to invest in Colombia’s transportation, it would draw more investors in as said transportation costs decreased. The Colombian government has been actively working to encourage local companies to develop the roadway systems across the country to attempt to make Colombia more attractive to foreign investors. While several countries are investing in Colombia, the United States is the lead investor by over 30%. It is certainly beneficial to have a strong investor, however it can be problematic for one country to control so much of Colombia’s foreign direct investment. Having investments in Colombia is helpful for the United States because Colombia is a relatively close population of cheap labor without many of the highly-regulated working conditions that are found in more developed, less corrupt countries. As a surprisingly strong investor, Anguilla contributes 20% of Colombia’s foreign direct investment. For a country whose economy is largely based on tourism, it is interesting to see their commitment to a local country that has very little tourism because of its reputation for violence, drugs and corruption. Foreign direct investment has been increasing in the recent years due to Colombia’s higher regulation of corruption and desire to control the violence in the streets. Many businesses are beginning to trust Colombia to protect their product rights and property, although Colombia is still far from stable and dependable. While crime rates are slowly decreasing in Colombia, most businesses still avoid investing in Colombia because of its reputation for extensive riots and drug wars. If Colombia can decrease their reputation for instability and corruption, they have every opportunity to successfully draw in investment and provide a safer, better future for their citizens. As stated throughout this extensive research paper, corruption can cause a country many problems. One aspect that it affects the most is trade. Countries and corporations are less attracted to corrupt governments opposed to more stable governments. According to Mauro, who analyzed 94 corrupt countries, GDP increased by four percent with a decrease of 2. 38 on his teen point scale; GDP per capita increased by . percent. Mauro contributed to the book, The State in a Changing World, World Development Report 1997. Columbia has had corruption problems for an extended period of time now. Parts of the government have tried to stop such corruption but cooperation from all parts is needed to progress. In order for Columbia to progress they must start at the root. They must analyze what causes corruption and approaches other countries took to successfully start eliminating corruption. A few of the reasons corruption is practiced are to avoid penalties for illegal actions or to get around legal regulations. One overwhelming problem in Columbia, that is no secret to most, is drug trade. Drug cultivating and trade in Columbia is evident due to its geological location and ideal climate. In order to transport these drugs and have farms some drug lords may need to pay off government officials so they can â€Å"turn their eyes† on such activities. In this case both the drug lords and government officials benefit. Corruption will be hard to fight in Columbia due to the fact that the drug industry is estimated to be valued in the billions and whenever there is such a significant amount of money on the line, people are willing to do anything. Regardless of the reason, usually it is for an individual’s personal gain, companies included. Institutional corruption usually arises when government officials have a significant amount of power but little accountability. Most of the time, the officials must have their own financial incentives in order to partake in the corruption. The more control government officials have to regulate corporations the more corruption is likely to occur. If the probability of being caught or punished is low, people will tend to risk dealing with corruption. There are two approaches that must be taken to fight corruption, the first approach must be an institutional approach and the other must be a social approach. To begin an institutional reform towards corruption, Columbia must limit authority. Columbia has a questionable democratic government. With all the corruption going on, the polls could be altered. This is where the social approach comes into play later on. There most prominent branch is the executive branch. This supports the fact that Columbia’s authorities may have too much power. Privatization is believed to be able to reduce corruption by limiting the amount of government interaction with companies. In order to be successful there must be certain regulation put into place. The only problem with this approach is that it has already been taken by Columbia, and while it did improve corruption, it was not notable enough. Columbia has gone as far as privatizing its water supply and while it had many critics at first, it turned out to be a good decision by their part due to the correct regulations put into place. Other suggestions are to increase liberalization by reducing tariffs. This will lead to officials having less access to 1bribes. Competition among public services can also reduce corruption by eliminating monopoly type organizations. By increasing accountability, corruption can be decreased. Accountability includes stricter enforcement and easier detection mechanisms. Accountability can be increased through many ways. Freedom of information legislation can help. To better explain freedom of information legislation, and example would be the Ugandan government began posting prices for services and activities such as registering a car or starting a small business. This eliminates questionable pricing and increases transparency. Another tactic to increase transparency is to implement financial disclosure among government officials. This tactic makes government officials income and assets public. Some South American countries have already began this practice; countries such as Argentina, Brazil, and Chile. Government expenditures and income can also be made public for transparency purposes. This way money won’t go missing and if it does the people will know; this is known as an open budget process. Legislative oversight can benefit Columbia greatly in terms of eliminating corruption. Since Columbia must give more power to its legislative branch rather than its executive branch. A recent example has been one of Columbia’s neighbors, Brazil. The congressional impeachment of President Fernando Collor de Mello demonstrated the strength of the legislative branch. The Brazilian senate has also set up a special committee to investigate potential fraud in selling government bonds. Columbia’s senate should take initiative and also set up some sort of committee to investigate corruption charges. These methods won’t completely eliminate corruption and none will come close to even making an impact if it’s the only method used but if they are combined corruption and decrease considerably. An incentive to avoid corruption would be stricter sanction. By increasing the severity of the punishments people face a higher risk factor when participating in corrupt actions, thus leading them to think twice about their actions. Sanctions may include but are not limited to minimum sentences for taking part in corrupt activities or denying public services for any entity offering bribes, this includes people or companies. Columbia was already on somewhat of a right track when it comes to strengthening their judicial branch’s power. In 1991 Alfonso Valdivieso was appointed attorney general. In Colombia the Attorney General cannot be dismissed or reappointed and he is given investigatory powers. Valdivieso gained world recognition for prosecuting high ranking drug lords and government officials. I would recommend Columbia to ask Valdivieso for help, knowing that he is a reliable source when it comes to corruption. He can’t be Attorney General again but if special unit is formed to combat corruption, he is definitely a guy that should be taken in mind. This concludes possible ways to avoid and reduce corruption from an institutional view point, reducing corruption from a social approach is rather different. The way people are raised and their surroundings affect their views on many things including corruption. If children are raised in a corrupt environment, they will view it not only acceptable but almost necessary. It’s a top down effect where government officials and corporation leaders are at the top. They must set an example for the public to look down on corruption and not endorse it. Public Relations Campaigns can be put into effect to better inform people on the consequences and harm done by corruption that is not too clear. Campaigns can be executed through mass media, community activities or school programs. A few key points that should be emphasized are the effect that corruption has on things such as public services, investments, and inequality. All of these aspects are affected in a negative way. Columbia’s unemployment rate is 11. 8% and its Gini index is 58. 5. These numbers could improve with by decreasing corruption but this fact isn’t evident to most of the population. If people feel like they have a say in the situation and can make a change, they will be more actively supportive. These campaigns should aim towards making people feel as if every little bit of help counts. In Argentina a non-government organization was formed to inform the public about corruption. The organization consists of television and radio ads. Another positive use of media to combat corruption is investigative journalism. Investigative journalism increase transparency greatly. It helps uncover corrupt officials and acts. The truth is what drives investigative journalism rather than just a story. Investigative journalism poses a threat of being exposed towards anyone that is participating in corrupt acts. It is a risky job due to the fact that people being uncovered may have a lot of power. Workshops should be set up to train such journalist. Countries such as Uganda and Tanzania have just that. In a country like Colombia with all the guerilla forces and drug cartels, this is a very important part to investigative journalism. Journalist run the risk of being targeted, so they must be careful and smart in the ways they go about reporting and accessing their findings. Lastly Columbia could search for outside help. Help can come from individual countries or organizations. Organizations such as the United Nations and the World Bank could offer guidelines to help. Both organizations are pretty much powerless but they can help establish treaties that could improve anti-corruption efforts. Individual countries that wish to invest in Columbia could also take initiative and further influence Columbian anti-corruption movements. To recap corruption is mostly if not solely negative towards Columbia’s economic development. It makes Columbia look risky to outside investors hoping to make a Federal Direct Investment. Investors prefer stability rather than turmoil. Due to its geological position, Columbia has faced drug problems for a few decades now. In order to transport these drugs and grow them, bribery and corruption is needed. Columbian citizens and officials should notice that corruptions cons outweigh the pros when it comes to the Columbian economy as a whole. Officials must lead by example and the power of the executive branch should be reduced.