Education Essay Example for Free

Education Essay As I reflect on the knowledge I have attained in this Educational Psychology course, I feel confident enough to say that I have learned an immense amount of information that I believe will be beneficial in my future classroom. In addition, some of the information that we have covered as a class was information that I had previously learned while at the University of Guam. I greatly appreciate the amount of knowledge I have attained in this course, and I would like to focus my reflection on three main topics: long-term memory; the cognitive process of attention, perception, encoding, and retrieval; and the four theories of motivation (behaviorist, cognitive and social cognitive, sociocultural, and humanistic). These are just three of many learning experiences that I believe will play an important role in my future career. I decided to focus on long-term memory because this type of memory plays an important role in each of our minds. According to Eggen and Kauchak (2010), long-term memory is the permanent information store in the model of human memory. What a child learns at a young age will most likely be kept in his or her long-term memory until further notice. In my experience while in this ED 300 class, several of the topics that we have discussed has brought up information from my long-term memory; thus I was able to further comprehend such topics. I was able to retrieve specific information based on what I had learned previously. Being able to retrieve information gives me an â€Å"aha!† moment in which I felt confident in answering questions and further discussing such topics with my peers. Retrieving information is just one of four steps in the cognitive process. Throughout the semester I have tried to focus on the four steps of the cognitive process (attention, perception, encoding, and retrieval) with my studies. As a college student, I have had my days where it was hard for me to even pay attention to the class lecture. However, after taking the time to reflect on what I have learned in this course, we practice the four steps of the cognitive process each day. The lecture is compatible to the first step of attention; perception is understanding the information; encoding is similar to memorizing the information; and retrieval is compatible to the reflections we each share at the end of the class. Finally, what I believe to be the most important topic that I have learned from this course are the different types of theories of motivation. As a human being there is more than one type of influence that motivate us to behave the way we do. From this Educational Psychology course, I have learned about the different theories of motivation, each of its meanings, and relating it to my own life. After learning about the different theories of motivation, I took into account my behaviors and where these behaviors originated from. Furthermore, I took into account the amount of motivation that it has given me. For example, as a Chamorro it is an old custom that women are to take care of the household. However, I was motivated by my mother to study hard and to make my dreams come true; and I believe that some outside influence had motivated her to break this old Chamorro custom. In conclusion, I believe that I have learned an immense amount of information throughout this semester. I have taken the time to reflect on the amount of knowledge we have shared in the classroom. I have taken into account the opinions of others; and I have reflected on the different types of motivations that have influenced me in my twenty-one years of life. I hope to one day be able to retrieve the information that I have learned in this course and apply such knowledge and theories in my future classroom.

Sustainable Architecture And Passive Housing Construction Essay

Sustainable Architecture And Passive Housing Construction Essay In the daily life, a lot of people past by some of these words: sustainable architecture or green buildings; however, they dont the meaning of it. For that reason, Ive decided to write about passive housing, which is a type of sustainable architecture. But before starting discussing the topic, a brief introduction to sustainable architecture will be given. There are a lot of definitions for sustainable architecture; nevertheless, there are two definitions that simple and exact idea about it. The first one is Environmentally-friendly houses and commercial buildings that are designed and built using sustainable building technologies, sustainable building materials, and sustainable energy systems, that dont burden future generations with environmental and financial debts. (Sustainable Architecture) And other defection was defined by architect Robert Berkebile, Sustainable Architecture is a design that improves the quality of life today, without diminishing it for the next generation. (Sustainable Architecture) In short, sustainable architecture is a way of building house and commercial buildings to save the environment for the future. Sustainable architecture isnt a new technology. It started developing in Europe since almost 500 years ago. It started by simple idea, which indicates how houses can be cool in summer and warm in winter by using minimum energy. Now days, they have more complicated ideas such as: producing their own electricity and recycling waste. That is because of the new technological advances, human has been developing over the years. There are three types of sustainable architecture mostly common and they are: zero energy buildings, passive housing and law energy housing. Is sustainable architecture that important to be developing for all of these years? In fact, its an important factor of saving the environment from depletion. According to the National American Homebuilders Association, a typical, (non-sustainable) stick-built or wood-frame home was 2,085 square feet and required  more than one acre of trees/forest; moreover, the waste created during the construction of this typical home averages between 3 tons to 7 tons, for every new house built. It only saves construction materials, but also reduces the consumption of energy and water. Passive house have one main principle which is reduce the energy lost in the house. But how can it be done. Its done by isolating the building and using the energy of people and the households. Passive house is very energy efficient because it use only 10% of energy that regular house use. This amount of energy is used for heating, hot water, and household electricity. In May 1988, Professors Bo Adamson of Lund University, Sweden, and Dr. Wolfgang Feist of the Institut fà ¼r Wohnen und Umwelt (Institute for Housing and the Environment) had a conversation about the Passive House standard originated. As result of the conversation, they developed the concept of passive housing by doing many research projects which have been supported financially by the German state of Hesse. The first passive house buildings were built in 1990 in Darmstadt, Germany. The Passivhaus Institut (the passive house institute) was established in September 1996. The concept of passive housing became more commercialized and following the  European Union  sponsored  CEPHEUS  project in winter of 2000-2001. Moreover, in 2003 the first passive house was built in North America, Urbana, Illinois. Since the institute was founded, 15,000 passive houses were built worldwide. Most of these houses were built in Germany andAustria. Figure Time Line of the History of Passive Housing The Design of Passive Housing There are mainly two key elements from designing a passive house, which are the orientation of the building and the construction material. The Orientation of the Building: The first feature that should be considered before building a passive house is the orientation of the house that is because it is the key of the utmost energy production. Since the solar energy is the most reliable energy for the house, the house should be directed to the sun. On the other hand, the wind also should be considered because it can cool the house during winter. For these reasons, the house is directed to the east-west axis and most of the windows are ought to be on the south wall of the house. In this way, the house will get maximum of sunlight and minimum of wind entering the house. Although, these conditions work perfectly in winter, there is other condition should be thought of in summer which is shading. Shading is important because it reduces the sunlight getting into the house. This is the main technique that passive house uses to heat and cool itself. The Construction Material: Figure How passive house works? As any ordinary house, passive house has the same basic building material, but it is only enhanced to maximize the energy gained and minimize the lost. Concrete, bricks and stone are the basic material for building a passive house because they can absorb the energy from the sun fully and gradually. As result of the long period of energy absorbing, a phenomenon which is called lag happens. Lag is the warm sunlight which was absorbed during the day then released slowly during the night. There three types of windows glass and they are: one pane, two pane and three pane windows. One pane and two pane windows are commonly used in normal houses; however, three pane windows are used in passive house. Moreover, they are made from three glass panes which are split by air or Argon gas. This makes the window more insulated that prevents cold air getting in and decreasing the heat getting out. Because of the house is insulated, Mechanical Ventilation is used in the house to proved fresh air and heat. It gets fresh air from and takes out the polluted air from the house while it heat the fresh air by absorbing the heat from the polluted air. Also, all passive houses have solar panels that convert the sun light to electricity that serves the house. Moreover, some of the houses have wind tribunes which also provide it with electricity. The wind tribunes are installed only if the area where the house is built has sufficient amount of wind. There are many advantages of building house passively. The cost of electricity is very low which is about 100à ¢Ã¢â‚¬Å¡Ã‚ ¬ a year. Also, it is eco-friendly because it uses less electricity and that lead to less consumption of petroleum product, nature gas, coal and wood. These products release a lot Carbon Dioxide (CO2) that pollute the air which leads to global warming. In addition, it improved the sustainability of the house. Furthermore, it helps people who have allergies by reducing their symptoms. It is reduced because the air ventilation system cleans the air from dust are pollution. However, there is one disadvantage of passive housing that is air tightness, so without an efficient air ventilation system that keep the air clean and preserve an excellent humidity percentage in the house. Conclusion To summarize, sustainable architecture is the way of building without harming the environment. There are many ways of sustainable architecture, and one of them is passive housing. It has one key principle which is minimizing the energy lost from the house. Passive housing is new trend which started in 1988. The standards of passive housing are set by Professors Bo Adamson and Dr. Wolfgang Feist. The standards of passive housing have two main ideas which are the orientation of the building and the construction material. The cost of passive housing is higher than a normal house by 5-15%. Eco friendly and cost efficiency are advantages of passive housing, but air tightness is a disadvantage.

The Rise of Silas Lapham :: Rise Silas Lapham Essays

The Rise of Silas Lapham The virtue of the novel according to Howells lies in its formal amplitude, its ability to encompass all things, and connect all humanity. The aim of the realistic novel is to "widen the bounds of sympathy" and to proclaim the "equality of things and the unity of men." Look at the above in light of the argument Tom Corey has w/ himself after Lapham's outpouring of shame and self abasement following the disastrous dinner party. Are you convinced? What is at stake? In what way is this a turning point? (p. 197) Corey does not lower himself to Lapham's level, but rather reaffirms to himself his superiority over Lapham. He realizes the importance of maintaining his place in society in relation to Lapham, but also must "think the best of Lapham" if he plans to marry his daughter. Lapham's uncouth showing of humility reminds him of the dinner party fiasco, and likens him to the "plebeian" porter with his "gross appetites," "blunt sense," and "stupid arrogance." Despite his feelings of reproach for Lapham's behavior, it is his love for Pen which makes him see the positive side of the situation: "he knew at the bottom of his heart that which must control him last., and which seemed sweetly to be suffering his rebellion, secure of his submission in the end. It was almost with the girl's voice that it seemed to plead with him..." Pen, of course, is the one suffering his rebellion, and his rebellion is his urge to reject her for her father's low demeanor. Yet this passage is Corey's turning point, where he cements the idea that to love this girl, and love her he must, certain societal sacrifices must be made. The though of Pen works to "set all things in another and fairer light." It is then that Corey realizes the nobility in Lapham's seemingly base humility. He is able to see Lapham's outpouring of shame as something respectable and honorable that would never be found in a person of "society. The Rise of Silas Lapham :: Rise Silas Lapham Essays The Rise of Silas Lapham The virtue of the novel according to Howells lies in its formal amplitude, its ability to encompass all things, and connect all humanity. The aim of the realistic novel is to "widen the bounds of sympathy" and to proclaim the "equality of things and the unity of men." Look at the above in light of the argument Tom Corey has w/ himself after Lapham's outpouring of shame and self abasement following the disastrous dinner party. Are you convinced? What is at stake? In what way is this a turning point? (p. 197) Corey does not lower himself to Lapham's level, but rather reaffirms to himself his superiority over Lapham. He realizes the importance of maintaining his place in society in relation to Lapham, but also must "think the best of Lapham" if he plans to marry his daughter. Lapham's uncouth showing of humility reminds him of the dinner party fiasco, and likens him to the "plebeian" porter with his "gross appetites," "blunt sense," and "stupid arrogance." Despite his feelings of reproach for Lapham's behavior, it is his love for Pen which makes him see the positive side of the situation: "he knew at the bottom of his heart that which must control him last., and which seemed sweetly to be suffering his rebellion, secure of his submission in the end. It was almost with the girl's voice that it seemed to plead with him..." Pen, of course, is the one suffering his rebellion, and his rebellion is his urge to reject her for her father's low demeanor. Yet this passage is Corey's turning point, where he cements the idea that to love this girl, and love her he must, certain societal sacrifices must be made. The though of Pen works to "set all things in another and fairer light." It is then that Corey realizes the nobility in Lapham's seemingly base humility. He is able to see Lapham's outpouring of shame as something respectable and honorable that would never be found in a person of "society.

Kate Chopins Unorthodox Awakening :: Chopin Awakening Essays

Kate Chopin's Unorthodox Awakening The Awakening, written by Kate Chopin, was a book that was truly ahead of its time. The author of the book was truly a genius in her right, but yet she was seen as a scoundrel. At the time, it was "a world that values only her performance as a mother, whose highest expectations for women are self sacrifice and self-effacement." ( ? ) The people of that era were not ready to admit or accept the simple but hidden feelings of intimacy or sexuality and the true nature of womanhood. Kate Chopin's book portrayed a woman of that time in a quite unorthodox way. In fact, [ When she wrote the book in 1899, she ] "achieved what was to prove her literary masterpiece and her ultimate break with popular taste" ( Cully, Intro. ) That book was written in 1899. During this era women were seen as very proper and sophisticated individuals who were considered caretakers of the home. They wore an excessive amount of clothing and never exposed themselves in public or otherwise. If a woman was caught exposing herself in public, would be shunned and looked down upon. Loyalty and commitment to the family was very important during this time. Regardless of their family problems, they were expected to endure and stay faithful. [ In fact, ] " the nineteenth century's message of the supremacy of motherhood was so strong and so intense that it was absorbed into the systems of it's women - even women like Edna [ ,a character in Chopin's book, ] who were not maternally inclined." ( ? ) You could almost say that women were considered symbols of everything that is pure in the society in which they lived. Anything short of that was considered unacceptable. Because of the time that Chopin lived in: " The Appearance in print of her most recent work had brought her harsh criticism and condemnation, as well as ostracism from many of those who had always formed a close-knit world of St. Louis society" ( Cully , vii ). Her book was seen as a vile and disgusting piece of literature. One critic of that time stated : "One cannot refrain from regret that so beautiful a style and so much refinement of taste have been spent by Miss Chopin on an essentially vulgar story."( ? ). Most critics and readers of that era felt the same way as this critic did. People were not willing to put up with what they felt was a trashy novel.

Maharaja Dalip Singh :: European Europe History

Maharaja Dalip Singh Maharaja DALIP SINGH, the youngest son of Maharaja Ranjit Singh, who was born in Lahore, on Feb. 1837, to mother Maharani Jind Kaur. His date of birth is disputed by some and alternately suggested as Sept. 4, 1838. Many foreign journalists have wrongly named him as Dhalip Singh and Duleep Singh. However, it should be noted that his correct name is Maharaja Dalip Singh. He assumed the Punjab throne as a child, after Maharaja Sher Singh, on Sept. 18, 1843. During his reign several wars were fought with the British. Unfortunately, he was surrounded by corrupt advisors as illustrated by the following quote. "Among the Sikh barons who stood around the throne of the young Maharaja Dalip Singh, there was not one, who honestly labored for his country, or who have made the smallest sacrifice to save her." - The Punjab Chiefs by L.H. Griffin The agreement of March 9, 1846, after the first Sikh war with the British, included the following conditions: 1) There shall be peace and friendship among Maharaja Dalip Singh and the British government. 2) Lahore darbar would have to relinquish control of the region between Satluj and Bias. 3) War compensation of one and a half crore rupees to be paid by Lahore darbar. Since this amount was beyond the capabilities of Lahore Darbar at that time, Kashmir region was offered for 75 lakhs. However, Maharaja Gulab Singh stepped forward and paid this amount to buy back this region from the British. 4) Maharaja Dalip Singh's forces were restricted to 50 platoons and 12,000 horse-back soldiers. 5) No foreigner from Britain, Europe, or America could be employed in Lahore Darbar without explicit permission of the British government. 6) British government shall refrain from interference in the internal affairs of the Lahore Darbar. However, towards the end of this year, another set of arrangements were made, under which a council was established to run the Punjab affairs. This council was headed by a British Resident. Further, British forces were brought in to maintain peace in the country. Lahore darbar was charged 22 lakh annually for the maintenance and upkeep of such forces. However, this arrangement did not last for too long. As in April of 1848, a war erupted among the Sikhs and British. At the end of this war, Sikh kingdom was annexed and Maharaja Dalip Singh was sent out of Punjab to FatehGadh (Uttar Pradesh, dist.

‘My Swordhand is Singing’ Develops Essay

This novel is based around a small village called Chust, in Romania. Chust is a small 17th century village surrounded by a large and sinister wood, full of shadows of unease. The villagers were frightened of the wood, and all that it contained. They were wary of ‘outsiders’ and were led by tradition. They especially believed in the Miorita, a song about a shepherd murdered by his fellows and through a lamb, he sends word to his mother that he is not dead but has gone to ‘marry a princess from a distant land.’ They believed in vampires and ghouls and the Shadow Queen. Peter and Tomas lived a nomadic life. They moved from place to place and were not accepted in Chust. They were wood-cutters and lived on a little island with flowing water around it. Peter does not understand the significance of this moat and thinks it is just an attempt to try and bond with him. It was the first time in years where Peter and Tomas were working together and enjoying it. It is a metaphor of their own existence; lonely, isolated and secretive. Tomas has no interest in making friends and shuns society. This means that Peter doesn’t have the chance to make relationships as they are always moving around. This exacerbates his sense of isolation and makes him resent his father more. Peter does not understand what Tomas was running away from, mentally or physically. Before Peter was born, Tomas was enrolled to fight with King Michael, the ‘Winter King’. The fighting was long and savage and there was lots of bloodshed. When invading a small Turkish town, Peter found a sword. This was not just any sword. It had the power to kill vampires. â€Å"The sword was made in a land were vampires were common. This sword has the power to vrykolakoi for good.† Vrykolakoi are the living dead, souls, escaping from corpses. When Tomas’s wife died giving birth to Peter, Tomas believed his life wasn’t worth living. He had lost the only person who had cared for him, who loved him. This was ironic because his job was to return dead souls who want to be alive and here he is with no will to live and wanting to die. He doesn’t recognise the needs of the living like he does the need of the dead. Tomas starts drinking to numb the pain of his wife’s death. This is one of the main causes of Peter and Tomas having an intermittent relationship. Tomas gets infuriated as Peter always tries to stop him drinking but Tomas sees it as an invasion of freewill. â€Å"By the time Peter got inside, Tomas had already poured himself a glass of rakia. ‘Have some?’ he asked. Peter shook his head. ‘For God’s sake!’ his father shouted, without warning. ‘For God’s sake, drink with me for once!† Peter is scared of Tomas. He is intimidated by his father. He feels that Tomas is holding him responsible for his wife’s death. The live in their own worlds. â€Å"Who is ‘we’? There is no ‘we’ here.† When Peter was 5, Tomas had made him a wooden goose. Tomas was very skilled at carpentry and it was a beautiful masterpiece, a gift of love. In a fit of rage, Tomas destroyed the goose. By doing this he was breaking any bond that he had made with Peter. Peter tried to make another goose, but it was never as good. This symbolises their relationship, never to be as good as it once was. As Peter was growing up, Tomas lied to him to keep the truth from coming out about his past. Whenever Peter went into Chust to deliver logs, he would come back with stories. Stories about flocks of sheep being attacked and people dieing. Peter would tell Tomas of these but he would be scornful of them, and me for believing them. â€Å"There’s all sorts of commotion in the village’, Peter said. ‘Sheep have been attacked in their sheds.’ ‘So the wolves are getting hungry. What of it?’ ‘It’s not wolves. Well that’s what they’re saying in Chust’ ‘Pah!’ Tomas spat on the floor. ‘Idiots! And you’re and idiot too for listening†. For as long as Peter could remember, Tomas had a box. Tomas had said, ‘Do not look in the box under any circumstances’. For Peter, this is just another mystery about his father and impairs their relationship. At the end of this novel, Tomas rode into the crowd of hostages and started slaying them to the ground. Tomas knew he was going to die and this was a last effort to show Peter that he always loved him and that he was a good father. As soon Tomas was engulfed by the vampires, Peter immediately picked up the sword and fought until they were all dead. This is know as the ‘Elizabethan Revenge Tragedy’ stating that is you’re father dies you must avenge his death. When Peter went back from the battle he found a wooden goose in the tool shed. This was to symbolise that he has moved from place to place all his life and he should carry on moving, like a bird. â€Å"Tomas’ eyes were closed, but in his mind he could see Peter twisting and stroking the blade from side to side. ‘That’s it. Feel it.’ In his heart, he heard Peter’s reply. ‘Yes, Father. My swordhand is singing.’

Credit crunch Essay

The credit crunch which is also known as a credit crisis, finance crunch or credit squeeze is best described as a condition that makes investment capital hard or difficult to obtain. It is the sudden reduction in the availability of credit and loans or the abrupt tightening of loan borrowing conditions by financial institutions. Therefore credit crunch is generally associated with reduced credit availability although it might be independent of interest rates increase. During this period investors and lenders seek investments that they consider to be less risky and make flight to quality. This is usually at the expense and disadvantage of medium and small sized business enterprises. The price of liability and debt products is therefore driven up by the wariness of the banks and investors to lend money to corporations. The credit crunch condition is usually considered as a product or an extension of recessions. What causes credit crunch  The sudden wariness of banks and other investors to lend to corporations may be the result of a variety of reasons. First and foremost the slow lending activity could be as a consequence of the central government imposing or forcing direct credit controls on banks and the banking system in general. It could also be the product of banks anticipation decline with regard to the collateral value used they used to secure their loans. Additionally it could be a result of an unexpected raise in reserve requirements or other monetary conditions by the central bank. Moreover perceived increase in risks concerning the solvency of lending institutions within the system of banking could also cause a slow down in lending activity. Credit crunches could also be the effect of sustained periods of careless lending that consequently leads to losses and huge bad debts for investors. The institutions are then forced to react by raising interest rates and decreasing credits that can be made available for lending purposes. Because of the losses that these institutions and investors had earlier incurred it becomes hard for them to lend further than the fixed levels even if they wished to do so. The crunch can also be generally as a result of a decline in the prices or value of assets that had been previously over inflated. The price collapse then substantially leads to a financial crisis. Consequently new entrepreneurs or investors in the market may be forced to foreclosure or bankruptcy as the values of the assets that had been previously inflated go down. In the event of credit crunch especially if the capital available will not be sufficient to survive the credit cycle businesses may prefer to go into liquidation, sell or mark to market. Credit crunch occurs in cycles. During its upward phase assets can experience leverage bidding and induced inflation in prices. Effects of credit crunch on the economy. Generally the crunch has acted to decrease economic growth by disabling major industries and key factors of production which are important to ensure a thriving economy. The credit crunch has not only affected the financial markets in the country but it has gone ahead to affect the ordinary customer and consumer who usually support and also benefit from a booming economy. The credit crunch in the United Kingdom has basically meant that customers are experiencing an increase in the rates and fees charged to them by banks and other financial institutions. For the customer more security is required in cases where the individuals want to take new loans or make overdrafts. For suppliers the situation remains the same with equipment loans getting even harder to acquire and overdrafts being called in or basically being reduced. The rates offered by the financial institutions have soared way past most suppliers’ capabilities and guarantees and debentures have become the order of the day (OL 2007, 2-4). The increased lending rates have resulted to restricted people spending and have also left individuals at a loss not knowing from which other sources to tap their finances. Additionally the economy’s supply capacity has been dramatically affected. The economy’s potential output has been reduced leading to a shortage of goods and services. This also means that the ability to produce innovative goods and services has also been deterred as this also depends on lending services provided by financial institutions that are incapable of lending out enough at the moment. Lack of profitability as a result of reduced innovation has thus become a norm leading to a further economic slowdown. The economy has been deeply affected also because investor confidence and trust in the financial markets has gone down. This means profitable business has ceased and that making losses has become the norm for the economy the implication being deficits in the government budget. More so as a consequence the public sector has gone into deficits (BBC News 2008, 3-5). This is a devastating situation for the economy after enjoying not less than fifteen years of economic growth. Big financial firms have been forced to closure or have had to be rescued with massive damage having been experienced on their banks balance sheets. Investment banks have recorded major losses in their financial books and further aggravated by the decline of structured credit values. Money markets short term lending has become way too expensive and the medium period unsecured lending and securitization which were among the key sources of funds for financial have dried up. Most companies have additionally been forced to direct their income towards debts servicing. The effects have been contracted earnings and increased unemployment rates as companies struggle to cut costs. So far the largest job cuts and unemployment rates have been recorded in the housing and financing sector. In fact towards the end of this year the rates are expected to shoot to five percent which is double the figure that was previously recorded during the end of 2007. The labor market has since been weakened as the result of the crunch as more people get out of working capacities. The housing market is among the worst hit and has continued to weaken as the crunch proceeds. The prices in this market have fallen to devastating levels leading to a further decline of employment rates and real income. Obviously the investments in this sector have gone to a record low. Mortgage rates have also increased, its lending decreased and thus pushing the house prices down. The housing sector is in fact expected to experience a 24 percent drop this year (Pritchard 2009, 3-6). What Is Being Done? Over the last months the economy of the country has declined by a figure not less than 0. 8% making it even harder for the government to map out the way to recovery (Channel 4 News 2009, 1-5). Despite the governments efforts to revive and redeem the people and economy from the disastrous effects of the credit crunch most citizens are not yet satisfied and they are in fact of the opinion that very little is being done to fix the situation. The general feeling is that politicians have been merely throwing words at each other and therefore failing to turn their words into significant action. The government despite these feeling from the public is trying all it can to undo the damage, for example the Prime minister has been caught encouraging people to strive to pay their debts instead of overspending on some household commodities like food. The government is therefore trying to encourage its citizens to ensure that they have enough funds in store to clear or pay their debts and loans. This is for the reason that the more people are able to clear the amounts of money they owe as loans the easier it will be for the credit crunch to fade away after some time. Additionally people are being encouraged to take loans that have rates that they will be able to afford. This is because if people keep up the habit of borrowing loans with high rates and therefore unaffordable to them, the worse the credit crunch situation is going to be. Taking up loans with higher interest rates only create greater debts for lenders because people eventually end up struggling to pay or not paying at all, the effect will then be a prolonged credit crunch (Gillepse 2009, 5-7) Additionally the government opted to increase guarantee on savings in order to discourage or stop mass withdrawals of financial institutions. The implication is that savers have their first not less than 35,000 pounds guaranteed in full unlike the previous years where only savings of not more than 2000 pounds would be guaranteed in full. The government in addition made various attempts to maintain interest rates and keep them on hold for a while due to the turmoil in the economy. They have also severally in the past year cut the rates with the aim of easing the situation, trying to bring it under control and to assist borrowers. The government has moreover tried to persuade its citizens to stay clear of overvalued assets which are all hostage within the credit cycle such quartet resources include for example those in the travel, chemicals and construction industries. The government has also tried to carry out systemic injections in an effort to help fix the crisis. It has furthermore tried to come up with various rescue packages for the financial sector to add to their numerous efforts to restore investor confidence. But until the investor trust in the markets is restored it seems there is little that the government can do as at now to ease the crisis. The government has as well sort the help of the globe to fix this situation for the reason the country is also highly dependent on banking flows that cross the county’s borders. Question marks and eye brows have been raised about the banking systems fiscal policy, regulation and general governance and their ability to guard the system form excessive risk taking. In conclusion recession is a condition that has devastating effects on the economy of any country. Especially in this decade the market forces operate in such a way that it has become very hard for economists to precisely predict any looming crisis to ensure that governments take preventive measures early enough. Market forces have served to increase the cost of living not only in the country but also globally. Wealth distribution has consequently become uneven with the margin between the rich and the poor becoming even wider. All the governments’ have left is to institute the right regulations and policies that will especially work to enhance the operations of our financial systems and then hope that when the markets recover from this crunch that will be the end of financial crises.