Stock Market Crash
The Stock Market Crash of 1929 was an unprecedented event that took America by surprise and had many Americans speculating on what really caused it. Scholars came up with explanations that explain why the stock market collapsed.
Amongst the causes for the Stock Market Crash of 1929 include the following:
During the 1920s there was a credit boom in America. There were many banks and investors willing to offer credit. This gave a false confidence to the citizens as well as potential investors. Such creditors were providing investors with money to buy the stock shares and this made it easy for any interested party to access stock shares. Loans being easily accessible led to the influx of “indebted investors” and when the markets collapsed, these investors rushed to sell off the stocks they had so as to salvage some money to repay their loans.
Unrealistic exuberant attitudes towards investing
After the World War 1, there was a general high sense of optimism in America. Since this period was also characterized by many inventions, people gained confidence in making investments. They were less averse to risks and when the stock market boom of the 1920s became popular, almost every citizen and company in America was interested in gaining a share.
Between 1923 and 1929 the returns on stock investments rose by 400%. This made investors blind to the potential risks and stock markets became the gold rush of the day. Such exuberance failed to deter investors even when the stock market became flooded and economists begun predicting pending loom.
Many small scale farmers who could not produce efficiently were edged out of the market by those farmers that had invested in technology. This led to agricultural recession. With these farmers making the bulwark of clients for the banks, their exit from production and low deposits in banks contributed towards the closure of many banks.
Weak Banking Systems
By 1920s there were an estimated 30,000 banks in America. These were mostly middle sized and small banks. Since such banks mostly depended on the consumers they were prone to closure when clients were not doing too well. They were thus not cushioned from disasters such as the Agriculture recession which largely reduced the amount of deposits that such banks received. Some of these banks also lent money to those investors who wanted to purchase stocks. This made them vulnerable when the stock prices begun to fall. In fact between 1923 and 1930 around 5000 banks closed down due to this weak banking system.
Buying on Margin
This is strongly linked to the credit boom which occurred in America during the 1920s. Since there was so much money to lend to investors and such a huge demand for stocks, the notion of “Buying on Margin” was introduced. Creditors gave up to 90% loans to investors who had only 10% to purchase stocks. This created many indebted millionaires who had a false sense of confidence in the market. When the prices begun to fall, the indebted investors rushed to sell off their stock so that they could pay their debts. This ultimately led to the crash of the stock market.
Mismatched Production and Consumption Patterns
The fact that many companies were inventing new products and constantly improving on these products was viewed optimistically at first. However, consumers were not purchasing the expensive vehicles and other products being produced. This created a gap and many companies had to close down. This brought down the economy and in turn led to the crash of the stock market.
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Mitosis in the Human Body
To understand the importance of mitosis in the human body it is important to know what it is first. Mitosis is a process via which sex cells, eggs and sperm are made in the bodies of sexually reproducing organisms. The life span of cells in a living organism is set. After this life span, the cells cannot function properly and they have to be replaced. Antibodies seek the exhausted cells in the human body and then absorb them. This process starts with mitosis where the dead cells are replaced with their exact clones.
Unlike meiosis which helps in the production of cells for sexual reproduction, mitosis reproduces the single cells. Mitosis occurs whenever the body needs a new cell. Different cells in the body have varying life spans and some cells can be damaged necessitating the need for new ones. In some cells, mitosis is a constant process that ensures that adequate quantities of cells are constantly available. In addition, there are cases when antibodies trigger destruction of some cells before their normal life span ends which triggers additional mitosis.
Generally, mitosis is important in the human body for two major reasons. One, mitosis is crucial for cell replacement through cell division. Lost, dying and damaged cells in the body have to be replaced. These include the cells that form different tissues of various organs in the body such as the skin.
For instance, human skin has millions of living cells that offer protection to the body against pathogens and damage. The cells that form the surface of the skin slough off over time. This happens for instance when a person scratches the skin or when the skin comes into contact with rough surface causing abrasion. The lost cells have to be replaced with new ones that are produced deeper in the skin through mitosis.
Second, for body to grow there must be production of new cells. Every human being started as a single cell when the egg cell of a mother and the sperm cell of the father fused forming a single cell. Through mitosis, this cell divided to produce millions of other cells in the body. The cells differentiated later to serve specific functions in the body and they work in tissues as well as organs.
Through differentiation of the newly formed tissues and organs after mitosis, humans are able to perform different activities including eating, playing, learning and speaking among others.
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Consider a situation in which a husband and a wife have been caught committing adultery. The husband of the wife Mr. Scott feels offended by this situation due to the effects and tension it has created. His productivity at the workplace has been affected as well as in performing home affairs. This gets to a level where he thinks about divorcing the wife. What kind of advice could you offer him keeping in mind that the Bible prohibits infidelity (Malachi 2:16).
My advice to him is that contemplating divorce was right because trust has been breached in the marriage. Nevertheless, he ought not to depend on advice from other people while making his decision because not everybody is honest with him (Brown, 213). Scott should consider the children’s interest in addition to thinking about his security as a person before filing for a divorce. He should consider the views of his wife concerning her act so that he can know what led to this situation (Hawkins, Willoughby, & Doherty, 2012).
The basis of divorce advice is worldly understanding. According to worldly faiths, marriage is not holy. However, in God’s eye marriage is holy. Additionally, the court system also contributes to this understanding because of the way it determines divorce cases (Evans, 2012). For this reason, Scott thought that the case might take a similar line.
Annulment of a marriage and infidelity are detested by God. In 1st Peter 5:7, the bible says that we should let God address our worries and give us wisdom and comfort. According to Hebrews 13:4, marriage should be honored by everybody to avoid being judged by God for immorality. As such, Scott ought to forgive the wife because in Matthew 6:14, the bible says that a person who forgives shall be forgiven too. Apart from being fit for the situation that Scott is in, these scriptures are encouraging to those in hopelessness’ state.
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Brown, E. M. (2013). Patterns of infidelity and their treatment. London: Routledge.
Evans, T. (2012). Divorce and Remarriage. Chicago: Moody Publishers.
Hawkins, A. J., Willoughby, B. J., & Doherty, W. J. (2012). Reasons for Divorce and Openness to Marital Reconciliation. Journal of Divorce & Remarriage, 53(6), 453-463.
Research Essay Writing
In the course of your academic journey as a student, you will come across many types of academic research and writing assignments that students are faced with. Among them is the research essay writing type of assignment. Research essay writing refers to a type of assignment that is common among high school students in which they are supposed to report the reports of their investigative study in form of a composition.
Academic research and writing assignments demand that you remain vigil and very creative if you desire to end up with an assignment that will help you move on to the next level of academic learning.
What is the best way to do academic research and writing?
Academic research and writing is not your usual kind of assignment because it calls for a lot of input in the whole process of writing the paper. As the writer of an academic research paper, you are required to go back and source for materials that contain the kind of information that is related to the topic at hand. This said, you can already tell that you have to be mentally alert, because not all kind of information that you come across is relevant to your research and if relevant, it might not be from a source that is recently dated as may be required of your sources. For steps on how to excel in academic research and writing, especially the research essay writing, here is what you can do:
- Begin by finding the most ideal topic. An ideal topic in this case would mean one which you know something about. Your judgment will best help you decide which topic that is.
- Write a one page research essay writing proposal indicating why you wish to write on that particular topic and submit it to your tutor expecting feedback whether to go head or to find another topic.
- Once it has been approved, come up with as many questions as possible in relation to the topic and get set to answering them, setting realistic goals and maintaining a lot of focus.
- Once you are done, make a concluding paragraph that captures all the main points in brief.
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