Week 1 Personal Finance Plan Worksheet - 998 Words

University of Phoenix Material Personal Financial Planning Worksheet Directions Based on your readings and discussions in class this week, answer the following multiple choice questions. 1. The process of creating a detailed plan to meet your financial needs and prepare for the future is called b. personal financial planning. 2. Which of the following is not one of the five major steps of the financial planning process? c. collect and organize your financial information 3. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? c. late 20’s through your 40’s 4. Which of the following is a benefit of having a college degree†¦show more content†¦If not, do you plan to do this soon? Why or why not? a. Step1: Analyze your current financial position. b. Yes I have done it before, but now we just moved and we are now creating a new budget. Since the bills have changed we have to do a new budget and gather our bank statements, bills, and calculater our income to be more financially stable and save more money. We are currently going over a new budget as we speak. 10. Step Five in the five-step financial planning process discusses the importance of regularly reevaluating and revising your plan because personal circumstances often change. List two life changes that may require you to update your financial plan. Have you recently experienced a change that requires you to reevaluate your financial plan? If so, what was it and how have you accommodated it? (Please share only what you are comfortable sharing) a. Marriage and children b. I just recently got married and we’re just purchasing a home. My husband just received social security and 100% in military disability and I work. This make it a little easier for us to make it. I do have children and one is disabled so its tough but we make it. We split everything down the middle so no one person would be overwhelmed with paying all the bills on their own. We try to do a budget and stick to it. We do bargin shop and try to limit where we go due to high gas prices. We also put money to the side forShow MoreRelatedFoundations of Personal2001 Words   |  9 Pages |Foundations of Personal Finance | Copyright  © 2011, 2010, 2009 by University of Phoenix. All rights reserved. Course Description This course provides an overview of the elements necessary for effective personal financial planning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxesRead MoreEssay on Fair Credit Reporting Act and Personal Finance1879 Words   |  8 PagesSyllabus College of Humanities FP/120 Version 3 Essentials of Personal Finance Copyright  © 2012, 2011, 2009 by University of Phoenix. All rights reserved. Course Description This course provides an overview of the elements necessary for effective personal financial planning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financialRead MoreHow Can Communities and Governments Encourage Recycling Efforts in the United States?3602 Words   |  15 Pages------------------------------------------------- Course Syllabus FP/101 Foundations of Personal Finance Course Start Date: 08/13/12 Course End Date: 10/14/12                            Please print a copy of this syllabus for handy reference. Whenever there is a question about what assignments are due, please remember this syllabus is considered the ruling document. Copyright Copyright  ©2010, 2009 by University of Phoenix. All rights reserved. University of Phoenix © is a registeredRead MoreAtha Executive Plan Essay4887 Words   |  20 PagesU05A1 Atha Executive Plan Human Resource Functional Area Accounting and Finance Functional Area Debra Marzett Instructor: Crystal Neumann Spring Quarter 2013 BUS3011 May 10, 2013 CONTENTS Executive Summary 4 Purpose Statement 5 Human Resource 5 Accounting and Finance 5 Goals and Activities 6 Human Resource 6 Accounting and Finance 7 Organizational Structure 8 Human Resource 8 Accounting and Finance: 9 Interview Questions 10 Human Resource Generalist 10 Accounting and Finance Analyst 11 PerformanceRead MoreEffective Skills, Qualities, and Attitudes for Learning and Work2334 Words   |  10 Pagesand assessment depending on the facilities available. The scheme of work can also be adjusted by adding theory and practical workshops to support learners who have/need additional learning time. Reference is made within the scheme of work to worksheets, handouts and sample questions (in bold) that are available on SmartScreen.co.uk for tutors to use with learners. Any other resources listed are not provided on SmartScreen but provide guidance for the tutor as to others they may produce. The contentRead MoreCognitive Behavioral Therapy ( Cbt )1480 Words   |  6 PagesCognitive Behavioral Therapy (CBT) approach was used for this case conceptualization that consists of a pre-initial evaluation of client M and six weeks of individual therapy sessions using CBT therapy and the Beck Depression Inventory has the domain of counseling theory. Within the behaviorist strand of counseling theory, Cognitive Behavior Therapy (CBT) has been successfully used to treat mild depression. In this case study, the client has mild depression; which is one of the most multi-problemRead MoreSecurity Policies and Implementation Week Four Lab1858 Words   |  8 Pages10/11/2014 ------------------------------------------------- Week 4 Laboratory: Part 1 Part 1: Identify Necessary Policies for Business Continuity - BIA amp; Recovery Time Objectives Learning Objectives and Outcomes Upon completing this lab, students will be able to complete the following tasks: * Identify the major elements of a Business Continuity Plan (BCP) * Align the major elements of a Business Continuity Plan with required policy definitions * Review the resultsRead MoreComplete A Mindmap On The Importance Of Business To The1258 Words   |  6 PagesUnemployment - Declining Unemployment - Low Unemployment - Growing Unemployment - High Inflation - Growing Inflation - High Inflation - Declining Inflation - Low Investment - Growing Investment - High Investment - Declining Investment - Low Analyse the personal characteristics you believe are important for the operating of a business. In order to run a business you need to do the following: Do what you enjoy - If you enjoy what you re doing you will put in 100% effort to your business resulting in successRead MorePdp - Professional Development Plan3375 Words   |  14 PagesProfessional Development Plan Unit: Understanding and Managing People Unit Code: 5D4Z0020 Unit Tutors: Tom Scanlon and Amanda Davis Student Name: Hilaria Dos Santos Rolo Student ID: 11501593 Date: 14th March 2012 Contents Page Page 1 – Title Page 2 – Contents Page 2 – List of tables and figures Page 3 – Introduction Page 4 to 6 – Section 1: Professional Plan Development Page 7 to 9 – Section 2: Progress Review Page 10 – Appendix 1 Page 11 to 13 – Appendix 2 Page 14 to 17 –Read MoreCareer Strategy Outline9821 Words   |  40 PagesDEVELOPING A PERSONAL CAREER STRATEGY (PCS) Smeal MBA Career Management and Corporate Relations Team 9th Edition May, 2010 Developing a Personal Career Strategy (PCS) Companies no longer hire people out of high school or college and provide them with career security for the rest of their life. In some ways, career management has become an independent enterprise, something of a sole proprietorship, or as a recent book reflected in its title, â€Å"You Incorporated†. This trend is a clear

The Job Of The Civil Worker Essay - 2158 Words

Since the formation of human civilization, the purpose of the civil worker has gone unquestioned, and only until recently, unaltered. The job of the civil worker was a simple one: work during the day, sleep during the night, and repeat the process each day until the worker was unable, be it by death or disability. The worker was paid little, if at all, and benefits were foreign, as what greater benefit was there than to serve one’s lord, country or fellow countrymen? Needless to say, conditions for these workers were poor, and many found it difficult to voice these issues to superiors or to those on their level, as they felt as though nothing could be changed in their monarchical or oligarchical existence. The idea of workers benefits’ and support is a relatively new concept. Beginning primarily in the 20th century, a noticeable adjustment was made in the United States by the newly elected President Roosevelt in 1938. Roosevelt signed the Fair Labor Standards Act (FLSA) into fruition, which introduced the regulation of the minimum wage, the definition of which being, â€Å"(The )minimum standard of living necessary for health, efficiency and general well-being, without substantially curtailing employment† (minimum-wage.org). The minimum wage of the time was 25 cents an hour, but at the time was a considerably fair price, and one that would change the course of history for the worker forever. Shortly after the introduction of the FLSA was the Universal Declaration of HumanShow MoreRelatedTaking a Look at Civil Engineers707 Words   |  3 PagesThe job of a civil engineer is to fix, or build many of our modern conveniences including bridges. Skill in math (specifically measurement and angles) is required for the most part. It is a risky job though because if you design something wrong, you will pay big. Civil engineers are a soul of a cities construction. Civil Engineers have many job duties because many workers depend on them. Civil engineers have a lot of variables in their building including construction cost, and government regulationsRead MoreEqual Employment Opportunity Essay1514 Words   |  7 Pagesto employment options. The EEOC has established stipulations and overlooks all of the federal equal employment opportunity regulations, practices and policies (â€Å"Federal Laws Prohibiting Job Discrimination Questions and Answers†). Some laws that have been passed are the Equal Pay Act of 1963, Title VII of the Civil Rights Act of 1964 and Age Discrimination in Employment Act of 1967. Although some discrimination is still a problem, all of these laws have helped the United States citizens become treatedRead MoreEffects Of Economic Change On Social Classes885 Words   |  4 PagesEffects of Economic Change on Social Classes in America. Between the Civil War and World War II, the United States went through drastic economic change. The industrialization of America was going full force and resulting in the expansions of technology and factories. The industrial revolution lead to the urbanization of major populations and most people to turn away from agriculture. Large cities and factories brought benefits to certain social classes and brought struggles to others. The workingRead MoreIndustrialization After the Civil War Research Paper1321 Words   |  6 PagesAssignment 1.2: Research Paper Industrialization after the Civil War Shana Dukes History 105 Professor Tracey M. Biagas February 3. 2014 Introduction Industrialization after the Civil War was a period where Industrial city were being built, there were jobs for people and the political aspect was having corruption. In this paper the main points in this paper discussed the major aspects of the Industrialization Revolution, such as groups that were affected by the Industrial society,Read More The Impact of the Great Depression on Black Americans Essay1141 Words   |  5 Pagesscarce. Poverty and despair, however, were not foreign to the Black Americans; poverty had been common to them since their days of captivity. To many Black Americans who lived in the south, it was the return of old times. Sharecroppers and farm workers always lived in the midst of strife; they were never able to make a decent living. The boll weevil, soil erosion, and foreign competition had destroyed the cotton crop in the early Twenties. Life was difficult. No profits were being made, and althoughRead MoreThe Case Of Griggs V. Duke Power Company1047 Words   |  5 Pagesthe case of Griggs v. Duke Power Company, 401 U.S. 424 (1971), the company chose to set employment standards in which the applicants must have a high school diploma or pass an intelligence test to be hired or transferred to a job in the plant. In 1964 the Title VII of the Civil Rights Act of 1964 stated that it is against the law to discriminate against an individual because of race, religion, sex or national origin. The 703(a) of the Act is an unlawful employment practice for any employer to setRead MoreAge Discrimination Essay 91437 Words   |  6 Pages Typical actions might include refusing to hire or promote older workers, curtailing their employee benefits, limiting their training opportunities or limiting their job responsibilities and duties. Older workers may be targeted in reductions of the work force; they may be encouraged to retire. Exit incentive programs may deny valuable additional benefits to an older worker and early retirement incentives may pressure older workers to retire prematurely. Incentive benefits may be reduced for peopleRead MoreEssay How Life Is Affected through Disparate Impact and Treatment1568 Words   |  7 Pagesemployees and employers The Civil Rights act of 1964 along with Title VII gives employees the option to sue business owners based on color, race, sexual orientation, and religion. This act, rules on the fact, that individuals can take action if a discrimination or harassment issues happens at the employer’s workplace. It expands Civil Rights statues to provide more protection against people who are victimized due to discrimination. It sets the guidelines for job related issues due to disparateRead MoreCesar Chavez was born on March 31, 1927 in a small town near Yuma, Arizona near the border. Born800 Words   |  4 Pageswith his parents (United Farm Workers 1). In his early life Cesar experienced a lot of injustices and saw how not only his parents, but most farm workers were being mistreated and overworked. Cesar Chavez later learned a lesson in his life about injustices that he would never be able to forget (United Farm Workers 1). Cesar would say â€Å" the love for justice that is in us is not only the best part of our being, but is also the most true to our nature† (United Farm Workers 1). Also as a young boy duringRead MoreEmployment Discrimination Can Wear Many Faces In The Workplace.1703 Words   |  7 PagesDisabilities Act in order to be enforced. Sexual orientation (Gender identity) is linked with the Civil Rights Act of 1964. There is a new regulation called the LGBT employment discrimination in the United States, but the enforcement of this regulation will vary by the jurisdiction. It is paramount that workers be aware of the overview of these three different types of discrimination in the workplace. Workers should ask the question can these types of discrimination be eliminated from the workplace.

Environmental Law in Kenya Free Essays

How can Environmental Law be effectively enforced in Kenya? For environmental law to be effectively enacted in Kenya their needs to be emphasis on the need for a universal environmental ethic. There needs to be a concern on the ability to provide information that changes behaviour towards the environment i. e. We will write a custom essay sample on Environmental Law in Kenya or any similar topic only for you Order Now not stopping at awareness creation but to also go through education advocacy. This led to the enactment of the Environmental Management and Coordination Act. (EMCA). With the enactment of the EMCA, the fundamental principles on the environment espoused in various multilateral environmental agreements and intellectual discourse were incorporated into Kenyan law. Therefore it is based on the recognition that improved co ordination of the diverse sectoral initiatives is necessary for better management of the environment. To facilitate a coordinated approach to environmental management, EMCA establishes several organs as discussed below which help in the effective enforcement of environmental law: ) National Environmental Council It is responsible for policy formulation and directing, setting national goals and objectives, determining policy and priorities for the protection of the environment and the promotion of cooperation among the public and private bodies engaged in environmental protection programmes. The council is responsible in regards to international treaties, conventions and agreements relating to the management of the environment to whi ch Kenya is a party or should be a party. i) National Environmental Management Authority (NEMA) It is responsible for the following: (a) Co-ordinate the various environmental management activities being undertake by the lead agencies and promote the integration of environmental considerations Into development policies, plans, programmes and projects with a view to ensuring the proper management and rational utilization of environmental resources on a sustainable yield basis for the improvement of he quality of human life in Kenya; (b) Take stock of the natural resources in Kenya and their utilization and conservation; (c) Establish and review in consultation with the relevant lead agencies, land use guidelines; (d) Examine land use patterns to determine their impact on the quality and quantity of natural resources. (e) Carry out surveys which will assist in the proper management and conservation of the environment; (f) Advise the government on legislative and other measures for the management of the environment or the implem entation of relevant international conventions, treaties and agreements in the field of environment, g) advise the government on regional and international environmental conventions, treaties and agreements to which Kenya should be a party and follow up the implementation of such of such agreements where Kenya is party; (h) Undertake and co-ordinate research, investigation and surveys in the field of Environment and collect collate and disseminate information about the findings Of such research, investigation or survey; I) mobilize and monitor the use of financial and human resources for environmental Management; (J) identify projects and programs or types of projects and programs, plans and policies for which environmental audit or environmental monitoring must be conducted under this Act; (k) Initiate and evolve procedures and safeguards for the prevention of accidents Which may cause environmental degradation and evolve remedial measures where Accidents occur; l) Monitor and assess activities, including activities being carried out by relevant lead Agencies, in order to ensure th at the environment is not degraded by such activities, environmental management objectives are adhered to and adequate early warning on impending environmental emergency is given; (m) Undertake, in co-operation with relevant lead agencies, programmes intended to enhance environmental education and public awareness about the need for sound Environmental management as well as for enlisting public support and encouraging the effort made by other entities in that regard; (n) Publish and disseminate manuals, codes or guidelines relating to environmental Management and prevention and abatement of environmental degradation; (n) Render advice and technical support, where possible, to entities engaged in natural Resource management and environmental protection so as to enable them to carry out Their responsibilities satisfactorily; o) Prepare and issue an annual report on the state of the environment in Kenya and in This regard may direct any lead agency to prepare and submit to it a report on the state Of the sector of the environment under the administration of that lead agency; (p) Perform such other functions as the Government may assign to the Authority or As are incidental or conducive to the excise by the Authority of any or all of the functions provided under this Act. iii) Provincial and District committees The committee is responsible for the following: A) is responsible for the proper management of the environment within the province or district in respect of which they are appointed. (b) Perform such additional functions as are prescribed by this Act or as may, from time to time, be assigned by the Minister by notice in the Gazette. There are certain mechanisms that are set in place for the protection and conservation of the environment, framework environmental laws also provide for the management of specific environmental aspects, whether they are of a sect oral nature or of cross sectoral nature or both. These mechanisms include: -Environmental Impact Assessment This is a tool that helps those involved in decision making concerning development programmes or projects to make their decisions based on knowledge of the likely impacts that will be caused on the environment, whether negative or positive. Whether the impacts are negative and likely to result in significant harm, decision makers will be able to decide what kind of mitigating measures should be taken to eliminate or minimise the harm. Therefore the EIA is an anticipatory and where there is harm, a preventive mechanism. By using the EIA both environmental and economic benefits can be achieved such as reduced cost and time of project implementation and design, avoiding treatment/ clean up costs and impacts of law and regulations. -Environmental auditing and monitoring This is a process that assesses the nature and extent of environmental concerns at an existing facility or any other site where the existence of industrial pollution problems is identified or anticipated. Enforcement of Environmental Law Most environmental enforcement strategies derive from legal requirements that must be met by individuals, facilities whose operations or activities may cause undesirable environmental impacts. These environmental impacts are an essential foundation for environmental and public health protection. Environmental actions may include applying one or a combination of the following actions: †¢ Inspections and monitoring to determine the compliance status of the regulated community and to detect and to respond to violations. †¢ Negotiations with violators or facility managers to develop mutually agreeable schedules and approaches for achieving compliance. †¢ Awareness creation to sensitise the regulated community on the requirements to be met †¢ Taking legal action where necessary to compel compliance and: †¢ Compliance promotion among the regulated community. 2. Discuss why health and safety laws are necessary for any worker? Health and safety may be perceived as an investment or loss within an organization. Accidents happen and it is imperative for organizations to strive towards a ‘zero’ rate because they can prove very expensive if a company is deemed liable. Employers may be expected to invest a relatively minimal initial outlay for risk assessment and hazard identification procedures – which may or may not require consultancy fees, installation of modern equipment or staff training – but in reality these can all be viewed as an investment rather than a loss and there is no arguing with the fact that an injury free workplace is a safe workplace. All employers were required to ensure, in so far as ‘reasonably practical’, the safety, health and welfare at work of their employees and to carry out an annual review of safety statements specifying how it is managed. On the other hand, employees are obliged to co-operate with their employer and report any circumstances that may pose a serious threat to health and safety. In the opinion of Hoyle (2004), â€Å"Accident prevention is primarily the responsibility of individual workers. † The promotion of health and safety within an organization can be seen as an investment. If employees keep healthy, their productivity will be good and this can promote profits. With safety the same applies. In a safe environment there are fewer injuries, more productivity, more profits and less worker compensation insurance premiums, etc. The financial implications of accidents and ill-health are often overlooked or underestimated, especially relating to absenteeism. Apart from still having to pay the absent employee’s wages, employers could also be faced with additional wages for replacement staff, overtime and lost time spent on investigations and meetings, increased costs due to reduced productivity, possible contract penalties and external consultancy fees, all of which can add up to substantial hidden costs (TSSA). In fact, organizations with active training programmers in health and safety – such as OHSAS 18001 – have many advantages, including fewer work-related injuries and lower healthcare costs, improved productivity, reduced absenteeism, lower insurance premiums and compensation claims and a higher rate of worker retention and employee satisfaction. Workers’ compensation claims due to workplace accidents and occupational ill-health appear in the papers every day. And costs facing organizations include investigation time, wages paid for lost time, clerical time, decreased output of injured worker upon return and the loss of business and goodwill. Unfortunately, in smaller firms where major injury rates tend to be higher, conviction could ruin a company. Many small organizations harbor a negative view of the business benefits of corporate and social responsibility. They see the implementation and maintenance of appropriate operational standards as a waste of time, money and staff resources because of the required controls, practices and procedures and other overheads which they regard as a drain on their limited resources. While some employers may see health and safety as a loss, this will only occur when an organization has failed to take reasonable steps to prevent injury and non-injury accidents and ill-health. The advantages of reventive policies can be financially beneficial, an added investment is that they ‘can also consist of benefits that are harder to express in money, such as morale, productivity or quality gain. ’ Nevertheless, employers must undertake suitable and sufficient assessment of risks to hea lth and safety in their workplace and appropriate arrangements must be made to review preventive and protective measures, assess their efficacy and level of legal compliance and establish a sound health and safety culture. A risk assessment is a hazard identification process to identify what could cause harm to people. It forms part of the preparation of a Safety Statement and helps employers to manage the health and safety of their employees. Employers are legally required to do everything that is ‘reasonably practicable’ to ensure that identified hazards will not injure anyone. They should also ensure that all employees are familiar with the relevant contents of the Safety Statement, especially when revisions have been made. Improving health and safety need not cost the employer a lot of money. Even changing the way a particular task is performed can reduce the risk of injury. For example, placing anti-slip material on a slippery floor is a relatively inexpensive precaution when compared to the financial implications of a bad fall. Any safety measures introduced â€Å"need only be proportional to the real risks involved and should be sufficient to control, eliminate or minimize any risk of injury† (ibid). Managing health and safety in the workplace is not just a legal requirement, it also makes commercial sense. Many investors closely monitor health and safety performance with a view to increasing investment opportunities. Simple and relatively inexpensive steps like arranging courses such as First Aid, Manual Handling, Fire and Electrical Safety, Health and Safety and Stress Management, etc. for all employees is most definitely a good investment for any forward-looking organization and the potential dividends for both staff and employees are immeasurable REFERENCES Environmental Management and Coordination Act 2000 Okidi et al, Environmental Governance in Kenya: Implementing the Framework law. East African Publishers, 2008 How to cite Environmental Law in Kenya, Essays

Color Blind Racism free essay sample

Bonilla-Silva looks to answer two questions in this literature: â€Å"How is it possible to have this tremendous level of racial inequality in a country where most people (white) claim that race is no longer a social relevant social factor and that â€Å"racists† are a species on the brink of extinction? More significantly, how do whites explain the contraindication between their professed color blindness and America’s color-coded inequality? † In â€Å"Color Blind Racism†, Bonilla-Silva challenges the idea that we live in a society that is nonracist or nondiscriminatory. He insists that regular white folks engage in unintentional discrimination every day because of the social construction of the ideology of race. Today’s racism may be somewhat different than racism during the Jim Crow era. Instead, there is a different type of racism that has materialized around the 1960s. Bonilla-Silva refers to this type of racism as the â€Å"New Racism†. Since its emergence, color blind racism has become structured into almost every institution and has become a part of everyday life. Because of this new racism that continues to be socially constructed, blacks and other minorities suffer from inferior jobs, education, and housing. Bonilla-Silva discusses four central frames of color blind racism: 1) Abstract Liberalism. According to Bonilla-Silva, abstract liberalism allows whites to reasonably support racial inequality. 2) Naturalization. Naturalization is a way that whites can perform everyday actions that may seem natural because it’s the way of life. 3) Biologization. Biologization gives the idea that biological characteristics are the reason blacks maintain an inferior status. 4) Minimization of Racism. This frame suggests that racism isn’t a big deal. These four central frames of color blind racism give a different excuse to maintain white privilege, different from the tactics used in the Jim Crow era to explain racial inequality. I think that the two questions that Bonilla Silva ask are quite interesting. After reading this literature, I got to thinking how is race today socially constructed? Sure, racism can be defined by personal experiences and that, I believe, is not the reason Bonilla-Silva thinks that we still live in a society where racial inequality exists. Instead, it’s the institutions itself that cause discrimination. Albeit, it’s nothing comparable to racism in the Jim Crow era, it still unintentionally happens. After asking myself where I have seen racism built into an institution, I realized that I have experienced it myself in the institution of education. I went to an elementary school that had a large population of Hispanics who did not know English well. Having the last name ‘Gonzales’, I was constantly stereotyped into this population, even though I spoke perfect English and my race is half Native American and the other half Latino. I was being deprived of an unbiased education that the rest of the kids were getting. I believe that that it was unintentional and they just assumed that because my last name is thought to have a Hispanic origin, I didn’t know the English language. It was discrimination built into the institution. Because there is discrimination built into various institutions, it seems normal. I realized that I had to think long and hard of an example for my own question. Because to most people, it’s part of everyday life, especially those in the same generation as me. It’s what we grew up knowing. Instead of hammering how racism is built into institutions, I was interested in ways that whites defend this â€Å"New Racism†. Bonilla-Silva refers to these as four central frames of color blind racism. The first is â€Å"Abstract Liberalism†. This idea is that we live in a society that has equal opportunities for all people. I concur with this idea that whites use, but I also believe they fail to view external issues regarding this idea. Not everyone is born on equal grounds. Some may be more privileged than others. Historical events could have possibly had implications on why blacks are at more of a disadvantage. If they begin at a disadvantage, they receive an inferior education. As a result, they are underrepresented in higher education and in higher paying jobs. It seems to me that this vicious cycle only repeats itself a majority of the time. Next is â€Å"Naturalization†. This is the idea that discrimination just seems natural. The reason that whites typically hold better jobs is natural. I find this to be a lame excuse. One student explained that people segregate themselves because that’s who they feel comfortable around. I think it’s because of the lack of opportunities. For example: a manager at a company, who happens to be white, hires a co-worker from his previous job. This co-worker happens to be white as well. This manager wants to hire another employee so he asks his new hire if he knows anyone who is interested. He calls up his friend, who is white as well, if he would like a job. He agrees and the cycle continues. Although unintentional, this leaves out other races who are â€Å"segregated† with their own people. Third is â€Å"Biologization†. This idea, as I found, is where we get a majority of our stereotypes. Although I find negative stereotypes to be false a majority of the time, the can have a negative impact on job, school, and housing of minorities. I couldn’t decide if I agreed or disagreed with this idea because it was very subjective on who believed what stereotypes. Finally, â€Å"Minimization of Racism†. This idea is that discrimination no longer exists and it does not hinder minorities on job placement, education, housing, etc. I had to disagree because it actually does. In my experience, unintentional discrimination effected my education and I was only a kid so it can happen anywhere. It was interesting to read about this â€Å"New Racism† and sort of opened my eyes on how discrimination is built into institutions unintentionally. A question for class discussion would be: Give an example where racism/discrimination is built into an institution?