Article Example | Topics and Well Written Essays - 1000 words

Article Example It also assists local and state education organizations in advancing their statistical systems, and examine and report on educational activities in different nations. The main focus of this report is to look at gaps in educational participation and attainment between males and females of different races. This report is relevant to my research in that it will also examine children in poverty and minority groups and education. It asserts that postsecondary attendance rates are largely lower for students from various racial and ethnical groups and lower socioeconomic backgrounds in comparison to Asians and Whites. In 2010, as consistently since 1980, a limited number of male than female 18-24 year olds were either enrolled in graduate school or college. There is also a difference in postsecondary attainment for females and males. According to the report, in 2010, 21% of children under age 18 were living in poverty. The poverty rate for people who were non-white was higher than that of t he white population. This prevented the underprivileged population from accessing higher education (Ross & Kena 2012, p. 5). . College Student Alliance, 2011, Breaking barriers: a strategy for equal access to higher education, College Student Alliance. Retrieved from http://collegestudentalliance.ca/wp-content/uploads/2009/08/Breaking-Barriers.pdf This is a suitable academic resource because a large number of students from numerous groups are still under represented in colleges, universities, and other institutions of higher learning. According to this resource, students from various groups are not efficiently represented in higher institutions of education in Ontario. In line with the resource, enhancing access to higher education for the underrepresented groups is largely perceived to be necessary in establishing a more equitable society and to challenging in the increasingly knowledge based economy. The last ten years has witnessed a tremendous increase in research on people who are not pursuing higher education, reasons for not attending, and ways to promote their participation. People experience interplay between different complicated barriers. They may be motivational, informational, and financial barriers. Financial barriers comprise debt aversion in an aid system or lack of funds to pursue higher education. Informational barriers entail insufficient information regarding financial assistance, mainly, benefits, and costs. 80% of learners aged between 20 and 24 from households earning more than $100,000 pursue higher education and 60% of learners from households earning below $25,000 pursue higher education. Almost half of youth in the top income quarter attend university in comparison a quarter of the youth in the lower income quartile. Among the recommendations include, one, the Ontario government commit to have secondary school learners visit a campus as part of the curriculum. Two, the government should continue aiding early outreach as a way of acce ssing post-secondary education. Three, the government should set an objective for the education system to augment post-secondary participation rates (College Student Alliance 2011, p. 30). Social Mobility and Child Poverty Commission, 2013, Higher education: the fair access challenge,

Market Review Exercise Dissertation Example | Topics and Well Written Essays - 1000 words

Market Review Exercise - Dissertation Example Service proliferation comes from the increasing number of services offered by the financial in their search for new avenues of revenue generation. The search for new avenues of revenue generation by the financial sector has also resulted in growing competition among the various financial organizations in the financial sector. A key reason for the proliferation of financial services is the trend in favour of government de-regulation or the loosening of the control strings of the government on the financial sector. One of the reasons for the deregulation of the financial sector is for the ordinary citizen to earn more interest on savings and this has resulted in the trend for interest sensitive mix of funds. Developments in the field of information technology are used as tools for sharpening the competitive edge among the players in the financial, and also allow the many new services offered to ride piggyback on technology changes including automation. Effective use of the automation p ut in place requires generation of high volumes of sales, which means increased customer base and as a result the trend in consolidation and global expansion. ... Differences between Building Societies and Banks Building societies are mutual institutions in which a major portion of the having a savings account in the building society or a mortgage from the building society are members and in essence operate in the financial markets as financial services providers for meeting housing finance needs. Banks on the other financial enterprises in many cases hold public investment as stocks on which revenue has to be derived for paying out to the stock holders and so offer a plethora of financial services in the market towards revenue generation. Building societies are not so strongly governed by profit motives and so their services for housing purposes tend to be offered at lower costs; however they have a drawback in that there is a limit of 50% of their funds that they can seek from the wholesale market. However, in the new millennium these differences are getting blurred, because of the cross provision of financial services that has seen building societies indulging in selling insurance, unit trust and other such long term investment products and banks also offering competition in these services (Spencer, 2000). Current Building Society Trends By incorporating as public limited companies, building societies are able to overcome the limitations that they have in access to capital from the financial markets. This has seen the trend among building societies to become public limited companies. Such a move also helps them to overcome the restrictions of the UK Building Societies Act and face the challenge of reduced demand for housing finance. To offset the reduced demand for housing financial services, the trend after incorporation as public limited companies is to move into new areas of financial services