The Great Gatsby American Dream Essay -- F. Scott Fitzgerald

The Great Gatsby is a novel that delineates the general public in the 1920's and the related convictions, qualities and dreams of the American populace around then. These convictions, qualities and dreams can be summarized be what is named the American Dream, a fantasy of cash, riches, flourishing and the bliss that apparently accompanied the blasting economy and easy money scams that framed the fundamental black market of American privileged society. This black market invaded the more elite classes and made such an ethical rot inside general society that made ready for the destroying of dreams and running of expectations as they were set certainly in the opportunity for circumstances that could be seized by the whole gang. Scott Fitzgerald delineates the American Dream and the foul residue or the lack of regard of a general public that coasts in the wake of this fantasy. By taking a gander at each character and their circumstance and desire it very well may be seen that the American Dream was not constrained to one social class or sort of individual, that it was across the nation and was found inside everybody. From the situation as storyteller the peruser approaches the contemplations and sentiments of Nick Carraway more than some other characters, however this equivalent position likewise diminishes the viability of the peruser as an appointed authority of character since he is introduced in a one-sided path contrasted with others. All things considered, it tends to be seen that Nick experiences incredibly his encounters in New York. His respect for human tolerability is destroyed and he leaves with his expectations ran and a disturb at how the realism that spins out of control all through his social class is fit for demolishing lives and dreams. Scratch, likewise with all characters is an adherent to the American Dream in light of the fact that even he moves East to work in the bond bu... ...hen she discusses thoughtless individuals, saying she despises indiscreet individuals when she concedes that she is one.) that add to the general moral rot inside the American nobility. Fitzgerald shows that in the social classes that were spoken to in The Great Gatsby there is a running subject of how the American dream influences the entirety of the characters, they each have their own yearnings for their own life yet as a rule they spin around cash and the impacts that riches has on their style of life. Due to the deplorable occasions inside The Great Gatsby and the way that the characters who are as yet alive toward the finish of the novel, bar Nick, are not definitely adjusted by their experience loan to the view that the 1920's and 1930's or the Jazz Age held a general public of individuals who were controlled by realism and unimportant and depthless convictions and qualities. - Cam

Training Cycle Roles and Responsibilities Free Essays

Depict what your jobs and duties are at each phase of the preparation cycle and clarify what your limits are as an instructor The preparation cycle comprises of four phases 1. Preparing need 2. Configuration/Planning 3. We will compose a custom paper test on Preparing Cycle Roles and Responsibilities or on the other hand any comparative theme just for you Request Now Conveyance/Implementation 4. Assessment Training need This is the underlying phase of the preparation procedure. As a coach/educator I would require to recognize the necessities of the understudy/class. This is guarantee that the bearing of guidance is explicit to their prerequisites. What is their job. What are they expected to do with the new information. Is it being given at the right an ideal opportunity for their formative needs. I would to do this by setting up introductory evaluation. Consummation of pre course poll. Enrolment/data sheet. In my job of Motorcycle teacher this would have occurred in a pre course appraisal ride during which an up close and personal assessment of their riding history would have occurred. The entirety of this would distinguish to me their current information and future learning necessities and empower me to structure the preparation accurately. I would be confined here by the need to guarantee there is sufficient assets to give the preparation distinguished and that it meets the limitation of costings. Configuration/Planning This part must be efficient and reliable. This can be accomplished by having set points and destinations. Choose what realizing technique is most appropriate to the understudy/class. Utilization of visual guides (flip graphs, power point), conversations or association by cooperation (kinaesthetic). I would guarantee that the substance takes the understudy through from easy to complex learning. Work in evaluations. This will permit me to check and screen progress of conveyance yet in addition permit a check of information. Therefore an exercise plan would be defined. I would think about the ramifications of expenses, money related as well as time also. Does the structure/plan fit inside the time limitations to permit the topic to be conveyed successfully. Conveyance/Implementation Establish toward the beginning my believability to pick up trust and certainty from the understudy/class. Guarantee that I am completely arranged and have right assets. Consider the understudy/class with the goal that the pitch of the conveyance can be checked. This can be influenced by class size, area and condition in which it is given. I would likewise need to consider government assistance issues. I would guarantee that the understudy/class don't hesitate to take part in the exercise and contribute their thoughts. I would not squeeze them to offer responses/contemplations. Ensure that if the delay and jump strategy is utilized it is finished with the right planning to support reaction and not close the understudy down. Think about social contrasts. For example some social manners would block male to female methodology, picking up eye to eye connection albeit great to set up affinity to some may appear to be a test or danger to other people. Assessment Evaluation would permit me to recognize that the exercise has been scholarly. Have the points and targets been met. Can or is the understudy/class ready to transpose this new information into their working environment or job. I would assess this by utilization of tests, tests, information checks and input. This would feature any further preparing need which thus would be taken care of go into the preparation cycle. This guides me and furthermore the individuals who have started the preparation to set up, has it met the preparation points/goals (preparing needs). Can the structure/conveyance be improved. Is it savvy. Was it powerful. Determination As an educator my job is permit and support understudy discourse. Ensure that points and goals are addressed and are explicit to their necessities. Guarantee that that there is a methods for surveying the understudy information. All understudies to have equivalent and suitable focal points to learn, in a protected situation. I am liable for the advancement of the understudy in their learning cycle. This is finished by ceaseless appraisal or reassessment of both the understudy and the substance/technique for learning. Empowering the expanding of understudy information. I will undoubtedly guarantee that the equalization of instructor/understudy relationship is kept up. I should likewise guarantee that my sentiment doesn't force. This permits the understudy to include characterized heading inside the learning impact with the goal that lines of request and regard are not obscured. Ref Points Practical Teaching a manual for PTLLS CTLLS †Linda Wilson. Course Workbook. Web. The most effective method to refer to Training Cycle Roles and Responsibilities, Papers

Global warming Research Paper Example | Topics and Well Written Essays - 1250 words

A worldwide temperature alteration - Research Paper Example This marvel can be seen as an expansion in the normal temperature on earth’s surface, which is brought about by the outflow of different gases, for example, carbon dioxide, methane, nitrous oxide and so forth due the consuming of petroleum derivatives. In the advanced world, innovative improvements have added pace and assorted variety to the procedure of industrialization, which causes the arrival of poisonous gases into the climate. The unfavorable impacts of innovation can be found in urbanization likewise, which involves deforestation and the resulting negative effect on the earth. In addition, the expanding number of vehicles additionally adds to disturb the issue as it brings about gigantic emanation of carbon dioxide into the climate. Proof proposes that â€Å"about three-fourths of the carbon dioxide added to the air originates from consuming petroleum derivatives, for example, oil and coal,† which are fundamentally utilized in businesses and transportation (Kowa lski 2004 pg 12). Likewise, deforestation, which happens for the most part because of urbanization, additionally causes voluminous arrival of carbon dioxide into the environment. Along these lines, it becomes clear that human activities, as it were, add to significant changes in the atmosphere of earth. An unnatural weather change, in straightforward terms, can be characterized as the â€Å"continuing increment in Earth’s generally temperature† (Farrar 2008 pg 7). ... This remaining parts a significant worry in the advanced world as it has broad negative repercussions on nature, which, thusly, will unfavorably influence the life on earth. Along these lines, this exploration for the most part centers around three research inquiries as under: - I) What causes the event of the condition known as Global Warming? ii) What are the impacts of Global Warming? iii) What can the people never really resolve the issue? The specialist has endeavored to address these inquiries through the accompanying writing audit, which thinks about the accessible proof in distributed books, web articles and so forth. Survey of Literature (Definition of the Problem): Global Warming, as expressed prior, is an expansion in the surface temperature of the earth. Research contemplates demonstrate that on a normal, the surface temperature of planet earth has expanded by almost â€Å"1.4 degrees Fahrenheit (0.76 degrees C) over the most recent 150 years (Farrar 2008 pg 7). Nonethel ess, a similar report likewise guarantees that a few spots have enrolled the ascent in temperature as high as 5 degrees Fahrenheit or 2.8 degrees C. While practically 99% of earth’s climate includes nitrogen and oxygen, ozone harming substances, for example, carbon dioxide, methane, nitrous oxide and ozone comprise the remaining 1%. The issue emerges from the way that these ozone depleting substances hold the warmth in the climate, which is basic for people and other living creatures on earth to remain warm and to escape from freezing cold. Be that as it may, when petroleum products, for example, oil and coal are singed, enormous volumes of gases get discharged into earth’s environment. The nearness of such discharges will mean expanded limit of air to store heat, which will improve the warmth in the air.

Effective Cooperative Learning Strategies

Successful Cooperative Learning Strategies Agreeable learning is a successful path for understudies to learn and process data rapidly with the assistance of others. The objective of utilizing this methodology is for understudies to cooperate to accomplish a shared objective. It is fundamental that every understudy comprehends their agreeable learning bunch job. Here we will investigate a couple of explicit jobs, anticipated conduct inside that job, just as how to the screen gatherings. Relegate Individual Roles to Help Students Stay on Task Relegate every understudy a particular job inside their gathering, this will enable every understudy to remain focused and help the general gathering work all the more durably. Here are a couple proposed jobs: Drill sergeant/Team LeaderThis job involves the understudy to ensure his/her gathering remains focused. Test explanations: Have we perused the passage on George Washington yet? We have to proceed onward, we just have ten minutes left.CheckerThe checkers job is to ensure that everybody concurs with an answer. A Sample explanation might be, Does everybody concur with Jens answer on the year Washington was born?RecorderThe job of the recorder is to record everybody in the gatherings reactions once they have all consented to them.EditorThe editorial manager is liable for amending the entirety of the syntactic mistakes and to check for neatness.GatekeeperThe job of this individual can be depicted as the peacemaker. He/she should ensure that everybody is taking an interest and getting along. Test articulation: Lets here from Brady now.PraiserThis job involves an understudy to urge different understudies to share their thoughts and to buckle down. An example proclamation might be, Great tho ught Reesa, however lets continue attempting, we can do this. Obligations and Expected Behaviors in Groups A fundamental component of helpful learning is for understudies to utilize their relational abilities in a gathering setting. With the goal for understudies to achieve their assignment, every individual must discuss and work by and large (use theâ talking chips methodology to control noise). Here are a couple of the normal practices and obligations every understudy is answerable for: Anticipated practices inside the gathering: Everybody must add to the taskEveryone must tune in to others inside the groupEveryone must urge bunch individuals to participatePraise great ideasAsk for help when neededCheck for understandingStay on task Obligations regarding every person: To tryTo askTo helpTo be politeTo praiseTo listenTo be available 4 Things to Do When Monitoring Groups So as to guarantee that gatherings are working viably and together to finish the errand, the educators job is to watch and screen each gathering. Here are four explicit things that you can do while flowing around the homeroom. Give Feedback: If the gathering is uncertain on a particular errand and necessities help, give your quick input and models that will help fortify their learning.Encourage and Praise: When circling the room, set aside the effort to support and commendation bunches for their gathering skills.Reteach Skills: If you notice that any gathering doesn't comprehend a specific idea, utilize this as a chance to reteach that skill.Learn About the Students: Use this opportunity to find out about your understudies. You may locate that one job works for one understudy and not another. Record this data for future gathering work.

Diversity, Learning and Progress

Assorted variety, Learning and Progress Assorted variety, Learning and Progress Presentation: Diversity is tied in with recognizing the dissimilarities in the attributes of individuð °ls that structure their personalities and the encounters they have in the public arena. Assorted variety is the level of essential human contrasts among Ð ° given populace. The advanced learning condition faces many learning issues. Todays study halls don't comprise of homogeneous (uniform) understudy groupings, rather they are made out of heterogeneous (unique) understudy groupings. As our study halls take on Ð ° new look, our educators ways to deal with showing must change to oblige understudy assorted variety. Ð lthough the schools can't control numerous components that can impact Ð ° understudies scholastic achievement they can improve the manners by which they recently served them. This paper talks about assorted variety, learning and progress in Ð ° succinct and far reaching way. Decent variety Overseeing decent variety is reð °lly about overseeing contrasts, and Ð ° basic preparing program can't achieve it. It is Ð ° culture change; Ð ° culture change started by edified directors who can see the vitality and excitement that come about because of catching the best of numerous individuals and thoughts. It isn't sufficient that organizations express their anxiety; they should take actið ¾n to show that assorted variety is vð °lued (Kram, 1996, pp. 90-98). Assorted variety, incorporate various points of view, approaches and sensitivities of culture, sex, religion, ethnic and natið ¾nð °l inception, perspectives, financial and personð °l contrasts, sexuð °l orientatið ¾n, physicð °l and mentð °l capacities, culturð °l power bunches versus larger part culturð °l gatherings, gainful capacities, power, information, status and types of socið °l and culturð °l reproductið ¾n. In this way, decent variety the executives implies the creatið ¾n of internð °l and externð °l condition inside which these alternate points of view, approaches and sensitivities are consolidated and created so as to oversee assorted variety in such Ð ° way that the full potentið °l (profitability and personð °l aspiratið ¾ns) of individuð °ls and institutið ¾ns might be reð °lised optimð °lly. (Kram, 1996, pp. 90-98). Assorted variety action is Ð ° vð °luable asset in the educatið ¾nð °l condition and numerous organizations are seeing the need to execute these projects. Decent variety is normð °lly seen as Ð ° race or sexual orientation issue yet assorted variety covers a broad scope of different personð °l contrasts. Assorted variety preparing through movement has become Ð ° need in organizations in view of people groups contrasts in the educatið ¾nð °l field. Since establishments are so various, Diversity movement projects will help teach, sharpen and get ready understudies to get Ð °long in the educatið ¾nð °l condition. Issues in learning In socið °l learning hypothesis, advancement and learning are, as it were, indivisible procedures; and they comprise each other in a comprehension of learning as participatið ¾n in socið °l forms. The overð °ll administering questið ¾n for this survey is: How does socið °l learning hypothesis add to a comprehension of organizatið ¾nð °l realizing, which varies from Ð ° purpose of flight in individuð °l learning hypothesis? A large portion of the writing on organizatið ¾nð °l learning and its partner, the Learning Organizatið ¾n, leaves from individuð °l learning hypothesis; and socið °l learning hypothesis in organizatið ¾nð °l learning writing has become out of Ð ° analysis of simply that takeoff. The analysis is expounded later, be that as it may, to put it plainly, it is that individuð °l learning hypothesis centers around learning as internal mentð °l forms identified with the acquisitið ¾n and preparing of informatið ¾n and information. It prompts mind being the locus of learning, and as Ð ° outcome, Ð ° separatið ¾n of the individuð °l student and the unique circumstance, for this situation, the organizatið ¾n, for learning (Cazden, 1988, pp. 20-2 6). Inclusñâ€"ve teð °ching shows that educating in strategies that don't forget about understudies, accidentð °lly or intentið ¾nð °lly, from opportunities to learn. Inclusñâ€"ve educators reflect on how they instruct, just as what they tð µach, so as to utilize the wide scope of encounters and learning styles theñâ€"r understudies bring to the study hall (Cazden, 1988, pp. 20-26). Communñâ€"cating clear expectatið ¾ns, utilizing comprehensive language, and articulating your dedicatið ¾n to honourñâ€"ng differing points of view can Ð °ll add to Ð ° all the more inviting learning condition (Cazden, 1988, pp. 20-26). Additið ¾nð °lly, allowing understudies the chance to give a sentiment at various tñâ€"mes Ð °ll through the quarter can Ð °lso be agreeable in estimating how well your inclusñâ€"ve procedures are workñâ€"ng. There is Ð ° exceptionally clear relatið ¾nship among socið °l and educatið ¾nð °l results in the United Kingdom setting up itself from youth. Our educð °tið ¾n framework has created over various years through Ð ° changing society with changing demð °nds and expectations. The vð °lues and assumptið ¾ns that are generally shared all through our general public have decided how and why we instruct and to comprehend why this happened we should consider the historical backdrop of our moderately short educatið ¾n history. Bowles and Gintis (1976) built up a contention they cð °lled Correspondence postulation where they accepted that schools were composed to compare to the work place. For instance, the relatið ¾nships of the principð °l, educators and understudies compared to relatið ¾nships of the chief, driving hand and specialist. This type of educatið ¾n arranged understudies for various positið ¾ns in the economy in later life and was resolved to a great extent by the status of their family inside society. Todays study halls don't comprise of homogeneous (uniform) understudy groupings, rather they are made out of heterogeneous (unique) understudy groupings. As our study halls take on Ð ° new look, our instructors ways to deal with showing must change to oblige understudy decent variety. Ð lthough the schools can't control numerous components that can impact Ð ° understudies scholarly achievement they can improve the manners by which they recently served them. At the point when contrasts in understudy accomplishment are distinguished related with elements, for example, race, sexual orientation or financial status, Ð ° predisposition in instructing methodology must be suspected (Tenbrink, 1974, pp. 16-21). Checking Progress Research on self-observing typicð °lly has utilized multi-thing, self-report measures to recognize individuals high and low in self-checking. The two most every now and again utilized estimating instruments are simply the 25 trueâ€fð °lse things of the originð °l Self-Monitoring Scð °le and a 18-thing refinement of this measure. Empiricð °l investigatið ¾ns of testable theories brought forth without anyone else observing hypothesis have gathered into Ð ° sizable distributed writing. Among others, it incorporates investigations of the relatið ¾n of self-observing to expressive control, socið °l perceptið ¾n, correspondence between private conviction and open actið ¾n, inclinations to be affected by interpersonð °l expectatið ¾ns, penchants to tailor conduct to explicit situatið ¾ns and jobs, defenselessness to publicizing, and orientatið ¾ns toward fellowship and sentimental relatið ¾nships. It might be referenced that not long after its inceptið ¾n, self-checking was offered as Ð ° partið °l resolutið ¾n of the â€Å"traits versus situatið ¾ns† and â€Å"attitudes and behavior† discussions in personð °lity and socið °l brain science. The propositið ¾ns of self-checking hypothesis obviously recommended that the conduct of low self-screens should be promptly anticipated from proportions of their perspectives, qualities, and dispositið ¾ns while that of high self-screens should be best anticipated from information on highlights of the situatið ¾ns in which they work. Self-observing guaranteed Ð ° â€Å"moderator variable† resolutið ¾n to discusses concerning the overall jobs of individual and situatið ¾n in deciding conduct. These issues set the motivation for the primary flood of research on self-checking (Tenbrink, 1974, pp. 16-21). To be brief observing is the procedure of creð °ting and changing experience into information, capacities, perspectives, vð °lues, emotið ¾ns, convictions and faculties. It is simply the methodology through which individuð °ls become. References Kram, K. E. what's more, Hð °ll, D. T. (1996). Tutoring in Ð ° setting of decent variety and disturbance . In S. Lobel and E. Kossek (eds.), Human Resource Strategies for Managing Diversity . Oxford: Blackwell, pp. 90-98. Cazden, C. B. (1988). Homeroom talk: The language of educating and learning . Portsmouth, NH: Heinemann, pp. 30-35. Lindfors, J. W. (1987). Childrens language and learning . Englewood Cliffs, NJ: Prentice-Hð °ll, pp. 2026. Tenbrink T D (1974) Evð °luatið ¾n Ð ° practicð °l control for educators Maple press, pp. 16-21.

The Secrets To Writing Persuasive Essay Topics About Education

The Secrets To Writing Persuasive Essay Topics About EducationWhen you write a persuasive essay, it is important to consider how to write compelling topics about education. However, this can be quite difficult as many students are not always familiar with the techniques to be used. Here is a simple way to do this and it might just be the key to creating a brilliant article for publication.In order to create a topic that will be widely appreciated by your readers, it is important to take a more educational perspective on your topic. This will help you gain more trust from your audience and thus ensure a high level of positive feedback. The best ways to do this is to look at some of the great essays that have won awards and to follow their tips.It is also important to note that for the best chances of winning prizes and being published you need to look to the best writers in the field. You need to look for highly acclaimed authors who have won numerous awards or who have been accepted into various academic institutions for their writing. Once you have identified such writers, you then need to learn from them the strategies to write your topic. These writers are usually published through other famous writing centres.One way to write successful academic essay topics about education is to use some well established tactics that they will be most familiar with. They can include using interesting examples or descriptions and highlighting the main points that they are trying to make. These will help to keep your readers interested in your writing and they will read it carefully.Another tactic that you can use is to use a single central point that you will be able to explain in a summary or outline. This can be done either by putting all of the factors or elements of the argument together or perhaps by giving a short description of the main idea. Many readers will not even realize that they missed a detail in your essay until they finish reading it and will therefore be less likely to feel lost when they read it.If you are looking to get an article accepted for publication, you will also need to have a clear understanding of what subject matter is being discussed. Most writers in this field are aware that they are writing on subjects that are quite sensitive and they will therefore use strong language when discussing certain subjects. Therefore it is important to learn how to avoid using strong language.For those wanting to write the strongest paragraphs possible, it is essential to use two or three clauses in each paragraph. This will help to strengthen the sentences. Often the use of strong clauses will also help to increase the length of the essay.Finally, when you have chosen an excellent topic you should always follow through with a creative, original and creative approach. When you follow this simple formula, you will be in the best position to be accepted into a renowned writing centre and win prizes. Theses writing centres can often give yo u a lifetime supply of top quality articles and this can mean the difference between financial success and financial failure for many students.

Study On The Types Of Financial Institutions Finance Essay - Free Essay Example

2.0 Introduction Financial Institutions are very important in our society today. This institutions let individuals and firms to borrow money and pay back later in time. Financial Institutions are institutions that provide financial services for its clients and members it also acts as financial intermediaries of the capital market and debt markets. This institution is responsible for transferring funds from investors to companies and vice versa who are in need of those funds. Financial institutions also facilitate the flow of money through the economy. This institution must take the risk when offering funds and loans to clients. This institution responsibility is to make sure that every client or company involved are satisfied by the services they offer and avoid mistakes and risks when unexpected circumstances occur. There are 3 ways to transfer funds which are; Direct Transfer, Indirect Transfer through Investment Banking House and Indirect Transfer through Financial Intermediaries. These 3 ways are the most common and mostly used way to transfer money. 2.1 Types of Financial Institutions The first way is through direct transfer, direct transfer of money and securities occurs when a business sells its stocks or bonds to savers without going to financial institutions. Whereas, the business delivers the securities to savers and can get the payment immediately. Second way is through indirect transfer through investment banking house. Investment bank  is a type of financial institution that assists individuals, corporations and governments in raising capital through underwriting or acting as the clients agent in issuing of  securities. Compared to  commercial banks  and  retail banks, an investment banks do not take deposits. Investment bank can be categorized into private and public functions with a  Chinese wall  that separates the two in preventing the information from crossing to each other. The private areas of the bank deals with the private  insider information  that is not to be publicly disclosed, and the public areas such as stock analysis are dealt with public information. Other large service investment banks offer all of the lines of businesses, such as both sell side  and  buy side. The smaller ones sell side investment firms such as  boutique investment banks  and small  broker-dealers  focus more on investment banking and sales, trading and research. Investment banks offer services to both investors buying securities and corporations issuing securities. For corporations, investment bankers are the one who provide information about when and how to place their money to an investment banks reputation. So, investment bankers play a very important role in issuing new security offerings and making sure that the company is in good state. The third way to transfer funds is through indirect transfer through financial intermediaries. Some people do not enter financial markets directly but they use financial intermediaries or middlemen. Commercial banks are part of financial intermediary, mutual funds, pensi on funds, credit unions, savings and loan associations, and to some insurance companies is also part of financial intermediaries.  For example, when people deposit money in a bank, the bank uses the funds to make loans to home buyers for mortgages, to students so they can pay for their education, and to anyone else who needs to borrow. A person who has extra money could, seek out borrowers himself and bypass the intermediary. By not having the middleman, the saver could get a higher return. But still, people use financial intermediaries. Financial intermediaries provide important advantages to savers. First, is lending through financial intermediary is usually  less risky  than lending directly. The major reason for reducing risk is that a financial intermediary can diversify. On the other hand, an average saver could directly make only a few loans, and having bad loans would substantially affect his wealth. Financial intermediaries also insure its depositors from substantial losses. By making many loans, financial intermediaries can reduce risk; they learn how to predict a better forecast which of the people who wants to borrow money will be able to repay it in the future. People who do not specialize in this kind of lending may be in a poor judge of who loans are worth making and which are not, sometimes, even specialists can make mistakes. Another advantage of financial intermediaries give savers is  liquidity. Liquidity refers to the ability to convert assets into a spendable form which is money. House is an illiquid asset; selling one can take a lot of time. If an individual saver has borrowed money directly to another person, the loan can also be an illiquid asset. But if the lender suddenly needs cash, he must force the borrower to repay quickly, which is not be possible, or he must find someone else who will buy the loan from him, which is very difficult. So it is better to borrow money in financial intermediaries because it is safe and fast and it is legal compared to other unauthorized people because they may cheat you. 2.2 Conclusion This diagram summarizes the flow of funds in the market. The first one is; Direct transfer which shows that the stocks and bonds goes directly from the business to savers and the payment of the savers goes directly to the business itself. The second one is; Indirect transfer through investment banks which shows that the securities sold by the business go first to the investment baking house then to the savers and the payments made by the savers go first to the investment banking house and hands over to the business. In short, the investment banking house serves as the clients agent for this transactions and they take over the risks. The third one is; Indirect transfer through financial intermediaries which is same as the indirect transfer through investment banking house the only difference is that financial intermediaries have diffent forms in which the savers can choose from. The securities bought and payments will go through the financial intermediaries first and then to t he business and savers and they act as middleman. As a summary, Financial institutions are very important in our society now adays because thay help people and business to have a legal transactions. People engaged in this kind of transactions must know the risk that they are going through and financial institutions must be held liable if anything happen. In my opinion, each flow of funds has its own advantages and disadvantages whether it is direct or indirect. But for me, the best way is through indirect transfer thorugh investment banking house because savers may feel secure when they engage in this kind of transaction. The investment banks will act as the clients agent in all of this and they will make sure that the transaction between savers and business will go smoothly without any delay. And with that savers may feel that investments bank are reliable when it comes to this kind of matters. People may have different perception when it comes to this, they may choose the direc t transfer or indirect transfer through financial intermediaries. but still, savers has the assurance that their money is in good hands. They must never fall for illegal transactions like the loan sharks who offers high interest but cheat people.