Write an article with a right wing and left wing about exclusions and Assignment

Write an article with a right wing and left wing about exclusions and the summer riots - Assignment Example 42% of the students were identified as coming from low income earning families and were eligible for claim the free school meals (FSM), it was also identified that 16% of all the 11-15 students analysed were from high schools as at 2011 January. It was also identified that a proportional that was considerable in number of the 10-17 year that appeared before the courts were categorized under the SEN, the students with needs. The percentage identified was 2two third of the population sampled representing a 66% of students between 10-17 years old. Absence rates were also analysed among the 10-17 year old. The absenteeism rate was high than average as those whose attendance data was available were 9%. The rest lacked attendance data indicating a high level of absenteeism. Statistics on social exclusion were also identified and reported. Incidences were high of the social exclusions among students in the bracket of 10-17 year old. According to the statistics, 36% of the analysed students identified that they had one fixed period social exclusion during the study year of 2009. Another proportion of 6% also identified that it had at least one fixed period of exclusion during 2011. The statistics chosen for the analysis is on free school meals. It is evident that it may be the fault of these students. Another look on it is that students may also be right in rioting. From this point, the various students in these institutions are faced with challenges that the institutions are not able of effectively providing. According to Mrs. Martins a teacher at a local high school â€Å"some of the main issues of concern to the students are the issues to do with unfair treatment of the students, issues culminating from ineffective services by the teachers, poor teaching by the teachers, issues to do with poor services soffered at the various cafeterias†. An aspect like food, which is poorly

Critically examine the future of banks as financial intermediaries Essay

Critically examine the future of banks as financial intermediaries - Essay Example 1244-1247). The foregoing is different in money markets where lending or borrowing is on a short-term basis (Scholtens and van Wensveen, 2000, Pp. 1244-1247). Capital markets represent where equity securities and or debt is traded (Osano and Tachibanaki, 2001, P. 4), with money markets representing where short term debt securities as represented by commercial paper, repossessions, treasury bills, banker’s acceptances and negotiable certificates of deposit that have maturities of from 30 days to one year (Lapavitsas, 2003, P. 13). An important distinction that exists in capital markets is that the borrowers tend to represent entities seeking to spend in excess of their present income as represented by those individuals or companies where their present income is in excess of expenditures (Allen and Santomero, 1996, P. 4). Within the capital markets the borrowing and lending functions include the issuance as well as sale of bonds and shares, which is termed as direct financing, a nd intermediated financing which represents dealing using financial intermediaries which represents the bulk of all transactions made (Matthews and Thompson, 2008, Pr. 35-36). The subject matter of this study has broad scale ramifications as evidenced by the most recent financial crisis that has griped the international community. The free wheeling lending of mortgages to high credit risk home owners started a global meltdown that has run for over two years and created unemployment levels as last seen in the Great Depression. This examination will look into the facets of financial intermediation to expose its weak points and recommend international action that is not a new view, it is one that already has be proposed through the Basel II Accords that are mandatory in Europe. Financial intermediation represents a process entailing surplus units, as represented by individuals and or companies whose current income exceeds present expenditures, to what are termed as