Chapter 19: Types of Risks Incurred by Financial Institutions 46. Why do banks continue to make credit card loans even though credit card default rates are often at least twice as high as other loan types? Answer: Credit card loss rates are higher than many other loan types‚ but FIs charge high enough interest rates (and fees) to make them worthwhile. FIs also extend credit card loans to large numbers of borrowers and the ensuing diversification reduces the risk. Level: Medium 47
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takes.” They will say‚ “Women don’t have what it takes.” Clara Boothe Luce‚ a very significant author of the 30’s‚ describes the harsh judgment that was passed upon woman during this trialing time in American history. A similarly influential author‚ Margaret Fuller was one of the innovators of the feminist movement in America. Her influence on the social views of 1830’s America spread‚ from her climb up journalism ladder to her place in the Italian Revolution‚ is indisputable. Fuller’s family was obviously
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Margaret Mead Margaret Mead‚ she was born Dec. 16‚ 1901‚ Philadelphia‚ Pa.‚ U.S. and died Nov. 15‚ 1978‚ New York‚ N.Y. Margaret was the daughter of Edward Sherwood Mead‚ a professor of finance at the Wharton School of the University of Pennsylvania‚ and her mother‚ Emily (Fogg) Mead‚ was a sociologist. She was the oldest of 5 children. She was a graduate of Barnard College and received her Ph.D. from Columbia University in 1929. She became the most famous anthropologist in the world. Through her
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of racial bias during interracial interaction. The study began off of the basis that individuals that have high levels of racial bias tend to regulate them selves when around others of another race. They often do this to make sure that their racial bias does not show. Individuals with low level of racial bias tended not to regulate themselves as much because they were more comfortable in their situation. Interestingly‚ researchers believed that individuals with high levels of racial bias were favored
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Homework: Problem # 2‚ page 194: Logical Fallacies 2a) the electron could not have been fair – I do not know anyone who voted for the winner. Logical flaw: inadequate sampling Comment: this statement concludes based on insufficient evidence. Just because I do not know anyone who voted for winner‚ do not necessarily outlaw the fairness of the election. Before reaching any valid conclusion‚ I have to collect some data and evidence from other news sources and compare with my findings
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Persuasive Speech Example For Persuasive Presentations Here is a speech example from a recent presentation I made where I had the privilege of addressing a group on a favourite topic. I sometimes address such groups on areas of specialty. I was the second of four speakers. I waited on the side as Michael the first speaker spoke on. I was the next speaker and was called to the side to prompt Michael to start to end the presentation. Michael sat at the end of a large rectangular table
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be well written‚ and should include clear explanations‚ examples‚ and support from the textbook where relevant. Application: Use chapters 11-15 from your textbook‚ identify‚ define‚ and provide an example from the scenario of the communication concepts in action for this situation. Concept 1: Identify the general goal Definition: The general goal of a speech is the overall intent of a speech. (Source: COMM 2 pg. 149) Example: When Gloria says‚ “It makes the point I want to make—if
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What appears on the next page is a graph representing “aggregation bias” in data. Per Bakken’s report‚ he assumes that there are no differences between stand-alone retail properties (such as Walgreens) and strip-mall retail properties. He even uses a case study to “prove” that there are no differences in rents between strip and stand-alone retail properties. However‚ by looking at the graph on the next page‚ it is possible to find a stand-alone retail property (from Submarket B) that overlaps with
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Types of Fallacies: * “Argument” from pity: when feeling sorry for someone drives us to a position on an unrelated matter * We have a job that needs doing; Helen can barely support her starving children and needs work desperately. But does Helen have the skills we need? We may not care if she does; and if we don’t‚ nobody can fault us for hiring her out of compassion. But feeling sorry for Helen may lead us to misjudge her skills or overestimate her abilities‚ and that is a mistake in
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In the reading “Love is a Fallacy”‚ Max Shulman writes about a character named Max who attempts to have a relationship with a girl by trading his roommate a racoon coat for the girl in exchange. Max Shulman’s piece is neither anti-women nor anti-men and is‚ therefore‚ meant to be irony. This piece is rather ironic because of fallacies appear throughout the piece‚ the main character Max has fallacies in his thinking‚ and the character Polly speaks of the fallacies in Max’s reasoning. Out of all the
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