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Question : 9.1   Factors Causing Financial Crises 1) A major disruption in financial : 1373705

Economics

9.1   Factors Causing Financial Crises

 

1) A major disruption in financial markets characterized by sharp declines in asset prices and firm failures is called a

A) financial crisis.

B) fiscal imbalance.

C) free-rider problem.

D) “lemons” problem.

 

2) A financial crisis occurs when an increase in asymmetric information from a disruption in the financial system

A) causes severe adverse selection and moral hazard problems that make financial markets incapable of channeling funds efficiently.

B) allows for a more efficient use of funds.

C) increases economic activity.

D) reduces uncertainty in the economy and increases market efficiency.

 

3) A serious consequence of a financial crisis is

A) a contraction in economic activity.

B) an increase in asset prices.

C) financial engineering.

D) financial globalization.

 

4) A sharp decline in the stock market means that the ________ of corporations has fallen making lenders ________ willing to lend.

A) net worth; less

B) net worth; more

C) liability; less

D) liability; more

 

5) A sharp stock market decline increases moral hazard incentives

A) since borrowing firms have less to lose if their investments fail.

B) because it is immoral to profit from someone’s loss.

C) since lenders are more willing to make loans.

D) reducing uncertainty in the economy and increasing market efficiency.

6) An unanticipated decline in the price level increases the burden of debt on borrowing firms but does not raise the real value of borrowing firms’ assets.  The result is

A) that net worth in real terms declines.

B) that adverse selection and moral hazard problems are reduced.

C) an increase in the real net worth of the borrowing firm.

D) an increase in lending.

 

7) If debt contracts are denominated in foreign currency, then an unanticipated decline in the value of the domestic currency results in

A) a decline in a firm’s net worth.

B) an increase in a firm’s net worth.

C) a decrease in adverse selection and moral hazard.

D) an increase in willingness to lend.

 

8) Factors that lead to worsening conditions in financial markets include:

A) declining interest rates.

B) unanticipated increases in the price level.

C) the deterioration in banks’ balance sheets.

D) increases in bond prices.

 

9) In a bank panic, the source of contagion is the

A) free-rider problem.

B) too-big-to-fail problem.

C) transactions cost problem.

D) asymmetric information problem.

 

10) A bank panic can lead to a severe contraction in economic activity due to

A) a decline in international trade.

B) the losses of bank shareholders.

C) the losses of bank depositors.

D) a decline in lending for productive investment.

 

 

11) In addition to having a direct effect on increasing adverse selection problems, increases in interest rates also promote financial crises by ________ firms’ and households’ interest payments, thereby ________ their cash flow.

A) increasing; increasing

B) increasing; decreasing

C) decreasing; decreasing

D) decreasing; increasing

12) In emerging economies, government fiscal imbalances may cause fears of

A) debt deflation.

B) default on government debt.

C) stock price declines.

D) lower interest rates.

 

13) How can asymmetric information lead to a bank panic?

 

 

 

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July 1, 2023
    

BSHS 302 (Introduction to Human Services)

 

Week 1

 

BSHS 302 Wk1 DQ 1

 

1.  Locate the Learning Team Toolkit and review its content, then answering the following Questions:

·         What purpose do Learning Teams serve here as adult learners?

·         What will team work look like in Human Services?

·         How will your practice in team work here impact your work in the Human Services field?

·         What are some human service agencies that use team work?

2.  Discuss the importance of informed consent and confidentiality in human services.  What are they?  What are their limits?  What is the importance of boundaries?

 

BSHS 302 Wk1 DQ 2

List some basic human needs end how those needs are met (through employment, family, friends, faith community, etc.) What are some of the reasons for why some individuals are not able to meet their basic needs? Looking at this Week's reading, which movement in history do you feel really changed human services? What is the value of understanding the history of social welfare provision and the roots of the human services discipline? How can gaining a historical perspective of social welfare provision help human service workers meet the needs of their clients more effectively and compassionately?
Discuss your own experience in human services (or intended career) and how you intend to use your degree.

 

BSHS 302 Wk1 DQ 3

Describe the theoretical frameworks used in human services and discuss how they are different in nature from many psychological theories of human behavior. What are the strengths and weaknesses of the ecological systems theory and other similar theories used in human services in helping to understand human nature and behavior?

 

BSHS 302 Wk1 DQ 4

Discuss the importance of informed consent and confidentiality in human services.

 

Week 1 Assignments:

What is Human Services (1700+ Words)

LEARNING TEAM CHARTER

 

Week 2

BSHS 302 Week 2, DQ 1

Share your thoughts on the evolution of the US Child Welfare System; specifically what do you think is the most effective way of dealing with the problem of child maltreatment (foster care, kinship care, institutional care, or family preservation)?  How is this different from the ways child maltreatment use to be handled (institutions, orphan trains, etc.)?

BSHS 302 Week 2, DQ 2

 

Share your thoughts and impressions of the generalist skills and competencies discussed in Chapter 3. What do you feel are your strongest skills, and in what areas do you feel you need improvement? 
Then look over the information on Adolescent services and the problems this population face in Chapter 5.  What skills would you need to work with this population?  What are ways to develop these skills? 

What problem in the adolescent field do you find most interesting?  Can you think of an example of this problem from your own experience or the media?  Did the adolescent get help?  Was it successful?

 

Week 2 Assignments:

History of Minority Populations in the Child Welfare System (600+ Words)

 

 

Week 3

 

BSHS 302 Week 3, DQ 1

 

Discuss the relationship between deinstitutionalization, mental illness, and homelessness. Share your thoughts on current human service intervention strategies, including visiting clients on the streets, mental health courts, etc.

BSHS 302 Week 3, DQ 2

Share your thoughts on the impact of locus of control in the domestic violence relationship, including how the abuser and victim of abuse attribute causality. How can human service workers use attribution theory in helping victims make effective life choices? 

 

Week 3 Assignments:

BSHS 302 Week 3 Assign Human Services and the Elderly Graded

BSHS 302 Week 3 Vulnerable Populations – Mexican Immigrants (1650+) Words

 

Week 4

BSHS 302 Week 4, DQ 1,

 

How have the changes in the HIV/AlDS crisis (in the nature and management of the disease, changing demographics, etc.) impacted human service workers working in medical settings?

Share your thoughts on the ethical issues often encountered in end-of-life care, including euthanasia, curative treatment approaches, and accepting death without letting go of hope.

What are some of the advantages and disadvantages of human services being provided by faith-based agencies? In what ways are client needs potentially better met by faith-based agencies, and what are some potential pitfalls?

BSHS 302 Week 4, DQ 2

How do you believe schools can most effectively respond to the dramatic increase in teenage pregnancy?

Discuss the issue of increasing diversity in student populations. Share your thoughts on ways in which human service workers in school settings can counsel and advocate for diverse students (such as, students of color, students with alternative sexual orientations, homeless students, etc.)
Are there services human service workers in schools currently don't provide that you think they should?

 

 

Week 4 Assignments:

Human Service Agency Interview (1250+ Words)

 

 

Week 5

BSHA 305 Week 5, Discussion Question 1

 

What are some of the differences between micro and macro human service practice, with regard to goals and intervention strategies?  What is a macro practice area you are interested in? Social Work Micro practice places

What makes a population of people vulnerable? Share your thoughts on Table 14.1, A Chronology of Human Research. What type of information does this table yield with regard to the nature of the exploitation of vulnerable populations?

In what ways can and have community organizing and development affect positive changes in the reduction of domestic violence and child abuse?

BSHS 302 Week 5, Discussion Question 2

Do you believe that US consumers bear any responsibility for the existence of sweat shops in other countries? Why or why not?

Discuss the impact of globalization on the human services field. Why is it important for human service workers in local practice to be aware of human rights violations on an international level?

Discuss a global human services issue you are interested in.  How does it affect you?

 

 

Week 5 Assignments:

Learning Team A week 5 Human Trafficking (1650)

Global Macro Practice in Human Services Human Trafficking (1700)

 

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July 1, 2023
    

BSHS 302 (Introduction to Human Services)

 

Week 1

 

BSHS 302 Wk1 DQ 1

 

1.  Locate the Learning Team Toolkit and review its content, then answering the following Questions:

·         What purpose do Learning Teams serve here as adult learners?

·         What will team work look like in Human Services?

·         How will your practice in team work here impact your work in the Human Services field?

·         What are some human service agencies that use team work?

2.  Discuss the importance of informed consent and confidentiality in human services.  What are they?  What are their limits?  What is the importance of boundaries?

 

BSHS 302 Wk1 DQ 2

List some basic human needs end how those needs are met (through employment, family, friends, faith community, etc.) What are some of the reasons for why some individuals are not able to meet their basic needs? Looking at this Week's reading, which movement in history do you feel really changed human services? What is the value of understanding the history of social welfare provision and the roots of the human services discipline? How can gaining a historical perspective of social welfare provision help human service workers meet the needs of their clients more effectively and compassionately?
Discuss your own experience in human services (or intended career) and how you intend to use your degree.

 

BSHS 302 Wk1 DQ 3

Describe the theoretical frameworks used in human services and discuss how they are different in nature from many psychological theories of human behavior. What are the strengths and weaknesses of the ecological systems theory and other similar theories used in human services in helping to understand human nature and behavior?

 

BSHS 302 Wk1 DQ 4

Discuss the importance of informed consent and confidentiality in human services.

 

Week 1 Assignments:

What is Human Services (1700+ Words)

LEARNING TEAM CHARTER

 

Week 2

BSHS 302 Week 2, DQ 1

Share your thoughts on the evolution of the US Child Welfare System; specifically what do you think is the most effective way of dealing with the problem of child maltreatment (foster care, kinship care, institutional care, or family preservation)?  How is this different from the ways child maltreatment use to be handled (institutions, orphan trains, etc.)?

BSHS 302 Week 2, DQ 2

 

Share your thoughts and impressions of the generalist skills and competencies discussed in Chapter 3. What do you feel are your strongest skills, and in what areas do you feel you need improvement? 
Then look over the information on Adolescent services and the problems this population face in Chapter 5.  What skills would you need to work with this population?  What are ways to develop these skills? 

What problem in the adolescent field do you find most interesting?  Can you think of an example of this problem from your own experience or the media?  Did the adolescent get help?  Was it successful?

 

Week 2 Assignments:

History of Minority Populations in the Child Welfare System (600+ Words)

 

 

Week 3

 

BSHS 302 Week 3, DQ 1

 

Discuss the relationship between deinstitutionalization, mental illness, and homelessness. Share your thoughts on current human service intervention strategies, including visiting clients on the streets, mental health courts, etc.

BSHS 302 Week 3, DQ 2

Share your thoughts on the impact of locus of control in the domestic violence relationship, including how the abuser and victim of abuse attribute causality. How can human service workers use attribution theory in helping victims make effective life choices? 

 

Week 3 Assignments:

BSHS 302 Week 3 Assign Human Services and the Elderly Graded

BSHS 302 Week 3 Vulnerable Populations – Mexican Immigrants (1650+) Words

 

Week 4

BSHS 302 Week 4, DQ 1,

 

How have the changes in the HIV/AlDS crisis (in the nature and management of the disease, changing demographics, etc.) impacted human service workers working in medical settings?

Share your thoughts on the ethical issues often encountered in end-of-life care, including euthanasia, curative treatment approaches, and accepting death without letting go of hope.

What are some of the advantages and disadvantages of human services being provided by faith-based agencies? In what ways are client needs potentially better met by faith-based agencies, and what are some potential pitfalls?

BSHS 302 Week 4, DQ 2

How do you believe schools can most effectively respond to the dramatic increase in teenage pregnancy?

Discuss the issue of increasing diversity in student populations. Share your thoughts on ways in which human service workers in school settings can counsel and advocate for diverse students (such as, students of color, students with alternative sexual orientations, homeless students, etc.)
Are there services human service workers in schools currently don't provide that you think they should?

 

 

Week 4 Assignments:

Human Service Agency Interview (1250+ Words)

 

 

Week 5

BSHA 305 Week 5, Discussion Question 1

 

What are some of the differences between micro and macro human service practice, with regard to goals and intervention strategies?  What is a macro practice area you are interested in? Social Work Micro practice places

What makes a population of people vulnerable? Share your thoughts on Table 14.1, A Chronology of Human Research. What type of information does this table yield with regard to the nature of the exploitation of vulnerable populations?

In what ways can and have community organizing and development affect positive changes in the reduction of domestic violence and child abuse?

BSHS 302 Week 5, Discussion Question 2

Do you believe that US consumers bear any responsibility for the existence of sweat shops in other countries? Why or why not?

Discuss the impact of globalization on the human services field. Why is it important for human service workers in local practice to be aware of human rights violations on an international level?

Discuss a global human services issue you are interested in.  How does it affect you?

 

 

Week 5 Assignments:

Learning Team A week 5 Human Trafficking (1650)

Global Macro Practice in Human Services Human Trafficking (1700)

 

default image
July 1, 2023
    

BSHS 302 (Introduction to Human Services)

 

Week 1

 

BSHS 302 Wk1 DQ 1

 

1.  Locate the Learning Team Toolkit and review its content, then answering the following Questions:

·         What purpose do Learning Teams serve here as adult learners?

·         What will team work look like in Human Services?

·         How will your practice in team work here impact your work in the Human Services field?

·         What are some human service agencies that use team work?

2.  Discuss the importance of informed consent and confidentiality in human services.  What are they?  What are their limits?  What is the importance of boundaries?

 

BSHS 302 Wk1 DQ 2

List some basic human needs end how those needs are met (through employment, family, friends, faith community, etc.) What are some of the reasons for why some individuals are not able to meet their basic needs? Looking at this Week's reading, which movement in history do you feel really changed human services? What is the value of understanding the history of social welfare provision and the roots of the human services discipline? How can gaining a historical perspective of social welfare provision help human service workers meet the needs of their clients more effectively and compassionately?
Discuss your own experience in human services (or intended career) and how you intend to use your degree.

 

BSHS 302 Wk1 DQ 3

Describe the theoretical frameworks used in human services and discuss how they are different in nature from many psychological theories of human behavior. What are the strengths and weaknesses of the ecological systems theory and other similar theories used in human services in helping to understand human nature and behavior?

 

BSHS 302 Wk1 DQ 4

Discuss the importance of informed consent and confidentiality in human services.

 

Week 1 Assignments:

What is Human Services (1700+ Words)

LEARNING TEAM CHARTER

 

Week 2

BSHS 302 Week 2, DQ 1

Share your thoughts on the evolution of the US Child Welfare System; specifically what do you think is the most effective way of dealing with the problem of child maltreatment (foster care, kinship care, institutional care, or family preservation)?  How is this different from the ways child maltreatment use to be handled (institutions, orphan trains, etc.)?

BSHS 302 Week 2, DQ 2

 

Share your thoughts and impressions of the generalist skills and competencies discussed in Chapter 3. What do you feel are your strongest skills, and in what areas do you feel you need improvement? 
Then look over the information on Adolescent services and the problems this population face in Chapter 5.  What skills would you need to work with this population?  What are ways to develop these skills? 

What problem in the adolescent field do you find most interesting?  Can you think of an example of this problem from your own experience or the media?  Did the adolescent get help?  Was it successful?

 

Week 2 Assignments:

History of Minority Populations in the Child Welfare System (600+ Words)

 

 

Week 3

 

BSHS 302 Week 3, DQ 1

 

Discuss the relationship between deinstitutionalization, mental illness, and homelessness. Share your thoughts on current human service intervention strategies, including visiting clients on the streets, mental health courts, etc.

BSHS 302 Week 3, DQ 2

Share your thoughts on the impact of locus of control in the domestic violence relationship, including how the abuser and victim of abuse attribute causality. How can human service workers use attribution theory in helping victims make effective life choices? 

 

Week 3 Assignments:

BSHS 302 Week 3 Assign Human Services and the Elderly Graded

BSHS 302 Week 3 Vulnerable Populations – Mexican Immigrants (1650+) Words

 

Week 4

BSHS 302 Week 4, DQ 1,

 

How have the changes in the HIV/AlDS crisis (in the nature and management of the disease, changing demographics, etc.) impacted human service workers working in medical settings?

Share your thoughts on the ethical issues often encountered in end-of-life care, including euthanasia, curative treatment approaches, and accepting death without letting go of hope.

What are some of the advantages and disadvantages of human services being provided by faith-based agencies? In what ways are client needs potentially better met by faith-based agencies, and what are some potential pitfalls?

BSHS 302 Week 4, DQ 2

How do you believe schools can most effectively respond to the dramatic increase in teenage pregnancy?

Discuss the issue of increasing diversity in student populations. Share your thoughts on ways in which human service workers in school settings can counsel and advocate for diverse students (such as, students of color, students with alternative sexual orientations, homeless students, etc.)
Are there services human service workers in schools currently don't provide that you think they should?

 

 

Week 4 Assignments:

Human Service Agency Interview (1250+ Words)

 

 

Week 5

BSHA 305 Week 5, Discussion Question 1

 

What are some of the differences between micro and macro human service practice, with regard to goals and intervention strategies?  What is a macro practice area you are interested in? Social Work Micro practice places

What makes a population of people vulnerable? Share your thoughts on Table 14.1, A Chronology of Human Research. What type of information does this table yield with regard to the nature of the exploitation of vulnerable populations?

In what ways can and have community organizing and development affect positive changes in the reduction of domestic violence and child abuse?

BSHS 302 Week 5, Discussion Question 2

Do you believe that US consumers bear any responsibility for the existence of sweat shops in other countries? Why or why not?

Discuss the impact of globalization on the human services field. Why is it important for human service workers in local practice to be aware of human rights violations on an international level?

Discuss a global human services issue you are interested in.  How does it affect you?

 

 

Week 5 Assignments:

Learning Team A week 5 Human Trafficking (1650)

Global Macro Practice in Human Services Human Trafficking (1700)

 

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