Effects of Microwave Doses on Seed Exposure

Effects of Microwave Doses on Seed Exposure Abstract A massive increase in electromagnetic pollution since the introduction of telecommunication instruments especially microwave from which the mobile communication. Current research study aim to assess the physiological effects of seed exposure to different doses of microwave. Microwave-induced electrolyte leakage, germination, chlorophyll and growth were monitored and evaluated following seed exposure to microwave from a magnetron of 2.45 GHz, maximum output power of 800 W and wavelength of 12 cm operated at 220 VAC. seeds of Hordeum vulgare were exposed to eight different exposure periods of microwave from 0 to 600 seconds, experiments were performed in vitro. Percentage of germinated seeds, relative germination coefficient, germination rate, germination index, fresh and dry weights, shoot: root ratio were assessed. Germination parameters were dose-dependents, the percentage of germinated seeds were increased after short exposure periods to microwave recording 100 % germination. Furth er the germination rate, relative germination coefficient were also increased after short exposure periods to microwave. Longer exposure periods reduced the percentage of germination, germination rates and various germination indices. Morphological and growth traits showed a similar trend and were significantly decreased after longer exposure periods to microwave. Chlorophyll contents were significantly decreased with increasing exposure periods of microwave. Microwave-induced electrolyte leakage (%) was significantly increased (r=0.92*, p Key words: Microwave, electromagnetic, barley, membrane ion leakage, cell death, germination, chlorophyll, SPAD, growth, Hordeum vulgare L. Introduction The Development of life was influenced by two ubiquitous forces; the gravity and electromagnetism, the two forces expected to have essential role in the functional activities of biological systems and organisms (Balmori, 2009). Previously, microwave radiofrequencies included a few radio and televisions transmitter located in remote area or high places. A massive increase in electromagnetic pollution since the introduction of telecommunication instruments in the 1990s (Galeev, 2000; Firstenberg, 2001; Ragha et al., 2011) (Ragha et al., 2011). These electromagnetic fields can have a deleterious and damaging effects depending on the exposure doses, power level, frequencies, pulsed or continuous wave and the dielectric properties of exposed tissue, the interaction of such electromagnetic fields on various life processes has been focused on different microwave frequency range forms an important part (Banik et al., 2003). Microwave are a part of electromagnetic radiations spectrum comprisi ng frequencies ranging from 300 MHz to 300 GHz, further, it act through absorption on molecular level manifesting as vibrational energy or heat and a biological effects (Chipley, 1980; Dardanonl et al., 1985, 1994; Pakhomov et al., 1998)(Chipley, 1980; Dardanoni et al., 1985; 1994; Pakhomov et al., 2001) including various genetic changes. Relevant research suggests that microwaves may have long-term health effects (Lin, 2004). Identification, evaluation and assessment of the bio-effects of microwaves have been complex and controversial, because of the absence of a clear mechanism of the impact and interaction of microwave radiofrequencies and biological systems, there has been a persistent view in biophysical and engineering sciences, that microwave fields are incapable of inducing bio-effects other than by heating (Banik et al., 2003). In recent times, non-thermal bio-effects of microwaves on tissue responses were being acknowledged (Dardalhon et al., 1979a,b; Adey, 1981; Banik et al., 2003). Various research data have offered convincing evidence of non-thermal microwave effects and have also indicated various consistencies in these effects: dependency of frequency within specific frequency windows of resonance-type; dependency on modulation and polarization; dependency on intensity within specific intensity windows, including super-low power density comparable with intensities from base stations/masts (Adey, 1981; Belyaev, 2005; Hyland, 2000; Lai, 2005, (De Salles, 1999; Scialabba and Tamburello, 2002)). Some studies have demonstrated different microwave effects depending on wavelength in the range of mm, cm or m (Kemerov et al., 1999; Nikolaevich et al., 2001). Duration of irradiation may be as important as power density (Abu-Elsaoud, 2015), the effect of electromagnetic radiations could be depending on the radiation exposure dose representing a long-term cumulative influence (Adey, 1997; Galeev, 2000; Lai, 2005; Abu-Elsaoud, 2015). Modulated and pulsed radiofrequencies seem to be more effective in producing effects (Belyaev, 2005; Lai, 2005). Low frequency modulations employ greater biological activity (Balmori, 2009). Microwave irradiation could affect plant growth, development and seed germination (Hamada, 2007; Aladjadjiyan, 2010; Salama et al., 2011; (Scialabba and Tamburello, 2002; Monteiro et al., 2008; Ragha et al., 2011; RadzeviÄ ius et al., 2013; (Abu-Elsaoud, 2015). Low intensity microwave were reported not to affect the plant growth and development but the increased irradiation doses of microwave has decreased and slowed seed germination (Oprica, 2008). The direct effects of microwave on germination of cereals were studied by Ponomarev et al. (1996) where, a wavelength ÃŽÂ »= 1 cm and irradiation exposure dose of up to 40 minutes were applied to barley, oats, and wheat seeds leading to improved germination rate with optimum effect after 20 minutes of microwave exposure (Ponomarev et al., 1996). A study of irradiating vegetable seeds with high power microwave radiations reported a stimulation influence of various germination and growth rate parameters by microwave (RadzeviÄà ‚ ius et al., 2013). The effect of microwave irradiation with a different power on various seed germination consequences of four different ornamental crop species has been studied by Aladjadjiyan (2002). The electroconductivity of leaf extract were monitored and increase in various germination consequences were observed (Aladjadjiyan, 2002). A comparative effect of microwave radiations on germination and growth of six different Egyptian genotypes were assessed using different exposure times, his data supported a dose dependent possible stimulation effect of microwave on growth and germination (Abu-Elsaoud, 2015). The response of barley seedlings to microwave radiations of 2.45 GHz after exposure to 0, 10, and 20 seconds of microwave radiations on four different genotypes (CreȆºescu et al., 2013). Changes in peroxidase and catalase enzyme activities in Brassica napus were found to be dependent on microwave exposure time, seed condition and plant age (Oprica, 2008). The freq uencies of the cell plasma membrane vibrations of bio-objects lie in the mm-wave range, that range is thought to be essential to any living organism. Microwave irradiations induce resonant phenomena within biological system and have a stimulatory effect on biological organisms (Aladjadjiyan, 2002; Yanenko et al., 2004). Most microwave irradiation studies focused on possible biological effects from phone masts and microwave radiofrequencies on animal and human health (Santini et al., 2003; Hutter et al., 2006; Balmori, 2009). The biochemical mechanism by which microwave radiations affect biological systems of living organisms is not fully comprehended and the mechanism could vary according to the amplitude, frequency and the irradiation duty cycle (Monteiro et al., 2008; Aladjadjiyan, 2010). The present study was conducted to study the effect of seed irradiation with different doses of microwave radiations on the membrane electrolyte leakage, germination and growth of Egyptian barley Hordeum vulgare L seedlings. Materials and methods Plant materials Seeds of selected Barely Hordeum vulgare L. genotype Giza-129 were acquired from Agricultural Research Station at Ismailia, Agricultural Research Centre (ARC), Giza, Egypt in the months of November-December, 2016. The cereal lot of seeds was cleaned removing unwanted matter and damaged seeds. Radiofrequency irradiation treatment Microwave radiofrequency irradiation were carried out using a magnetron with frequency of 2.45 GHz, wavelength of 12 cm, a maximum output power of 800 W, maximum intensity were estimated to be 51.5 kW.m3 by dividing the output power to the working volume m-3. Experimental details were presented in diagram (1). Seeds were first soaked in distilled water for 1 hour recommended by Aladjadjian and Svetleva (1997) to enhance the absorption of microwave energy. Seeds of selected barley genotype Hordeum vulgare cv. Giza-129 were divided into eight groups, each variant containing 30 seeds of (three replicas of ten seeds). The first group represent the untreated control and remaining seven variants were irradiated with different exposure periods to microwave (1, 5, 10, 30, 60, 300 and 600 seconds). Various germination traits were estimated and monitored during the experiment at different time-points; 3, 5, 7, 9 and 12 days after sowing (DAS). Based on the obtained results, the percentage of germinated seeds Nk, germination rate Sk (seed.h-1), maximum number of germinated seeds, relative germination coefficient (Wk) were calculated with the using germination formulas by Ciupak et al. (2007) presented in Table (1). Biomass and biomass allocation Shoot and root biomass were determined for Triticum aestivum plants irradiated with 2.45 GHz radiofrequency and the untreated control. Biomass allocation within plants was calculated in g per g (S/R ratio, g.g-1) of total seedling biomass to avoid size effects, and calculated as a mean of three replicas. Data of Biomass allocation and shoot-to-root ratios were assessed statistically in plants irradiated with microwave radiofrequency versus the control ones to evaluate the change in biomass allocation pattern. Statistical analyses Analysis of variance test (ANOVA) followed by Duncans multiple range comparisons were employed to analyse the results of barley after seed irradiation with microwave radiations. Further, correlation and simple linear regression analyses were also performed using SPSS statistical software ver. 22 and Microsoft Excel package 2016 at a confidence level of 95%. Results Seed germination The influence of microwave radiations on various germination dynamics were assessed intensively on the first twelve days after seeds sowings (DAS) in Hordeum vulgare L. plant. Barley seeds were subjected to different exposure doses of microwave radiation from magnetron with 2450 MHz and 800 Watts. Germination indices monitored and assessed are; number of germinated seeds (nk), percentage of germinated seeds (%), germination rate (Sk; seed.h-1), germination index (GI), and the relative germination coefficient (Wk) at different time points 3, 5, 7, 9, and 12 DAS (days after seeds sowing). The percentages of germinated seeds were presented in Figure (1A-E) for different time points. A significant change in the percentage of germinated seeds were observed after seed irradiation with microwave assessed by one-way analysis of variance (ANOVA) followed by Duncans multiple range comparisons. Significant variations were observed versus the untreated control plant group. Letters on figures 1 ( A) to (E) represent the results of Duncans multiple range comparisons, where, different letter mean significant difference (Figure 1). The maximum germination percentage observed were 100% recorded at MW dose of 5 seconds-5 DAS, 1, 5 seconds dose 7,9, 12 DAS. MW radiations observed to have a positive effect on germination at low doses of 1, and 5 seconds (Figure 1) these were assessed statistically by ANOVA and Duncans multiple comparisons. The general trend of MW radiations on seeds germination percentage was strong negative and significant relationship (Figure 3A-E) revealed by both regression and Spearmans correlation i.e. increasing levels of MW radiations caused decrease in germination parameters especially high doses of MW. Other germination indices e.g. germination rate (Sk; seed.h-1) were also recorded at different MW doses and time points (3, 5, 7, 9, 12). Germination rate in the untreated control 0.19 seed.h-1 5 and 7 days after seed sowing while in seeds treated with 1 and 5 seconds of MW the germination rate increased from 0.19 to 0.21 seed.h-1 revealing that not only the germination percentage increased but also the germination rate and speed (Figure 2A-D). Further, early germination was recorded after 1 and 5. Figures 3 (F-I) represent linear regression trend-line for the effect of MW radiation on germination rate, which had a strong inverse significant effect. Relative germination coefficient (Wk) were calculated and normalized to the control germination. Data of relative germination coefficient were presented in Figures (2E-H) at different time points (3, 5, 7,9); respectively. The relative germination coefficient increased after MW irradiation of 1 and 5 seconds (Figure 2E-H), while, Wk was decreased after irradiation with higher doses of MW radiations. Analysis of variance was carried out to assess the different between treatments control and were followed by Duncans multiple range comparisons. Linear regression trend-lines presented in figures (3K-N) represent the linear relationship between MW radiation doses and relative germination coefficient (Wk) after 3, 5, 7, 9 days after seed sowing. Inverse strong significant relationship between increasing doses of MW radiations and Wk. The germination index (GI) followed the same trend with increasing levels of microwave radiations (Figures 1, 3O). Photosynthetic pigments and Growth: Shoot and root biomasses were estimated in Hordeum vulgare L. plants after irradiation to MW radiations. Shoot biomass ranged from 0.03 to 0.42 g/plant-FW where the maximum shoot fresh weight recorded after MW irradiation of 1 second dose and minimum in 600 seconds. MW radiations severely decreased the shoot biomass in barley (Figure, 4A). Root biomass, on the other hand, ranged from 0.03 to 36 g/plant-FW. The highest root fresh weight was recorded at 300 s MW irradiation dose. While minimum root fresh weight were recorded after 600 seconds MW dose (Figure 4B). Whole plant fresh weight ranged from 0.06 to 0.67 g/plant-FW. Shoot, root, and whole plant biomass showed a negative trend with increasing levels of MW radiations revealed by simple linear regression analysis and Spearmans correlation (Figure 7A,B,C). Microwave irradiation induced a significant decrease in shoot, root, and plant biomass in barley plants (Figure 7A,B,C). The behaviour or nutrient allocation was assessed in terms of shoot and root biomass as shoot: root ration (g.g-1) after seed irradiation with MW. Biomass behaviour was allocated toward barely shoot system after irradiation with 1 seconds of MW radiations. While, higher doses of MW induced nutrients to be allocated toward root system (figure 5B, 3O). Leaf chlorophyll contents increased significantly after 1 and 5 seconds of MW irradiations compared to the control (Figure 5A), however, MW doses from 300 and 600 seconds decreased significantly from the untreated control. Plant height was monitored after various MW irradiations doses and showed a significant decrease in response to MW (Figure 5) revealed by Duncans multiple range comparisons versus untreated control plants. Root volumes did not changes significantly with MW radiations except for the 600 seconds dose which showed a significant decrease versus control (Figure 5D) Membrane Ion leakage (%) Electrolyte leakage is a stress-induced injury that commonly used as a measure of plant response and tolerance to stress (Bajji et al., 2002; Lee and Zhu, 2010). MW irradiation with dose 1 and 60 seconds did not induce a change in electrolyte leakage; however, MW doses 5, 10, 30, 300 and 600 seconds significantly increased the electrolyte leakage compared to the untreated control (Figure 6). A strong negative significant relationship between increasing doses of MW radiations and electrolyte ion leakage (R2= 0.84; Pearson Correlation= -0.61; p-value Discussion Microwave irradiation with different exposure doses induced changes in various parameters of barley (H. vulgare genotype Giza-129). Germination parameters were dose-dependent and were stimulated by several exposure doses of microwave radiations. The percentage of germinated seeds, germination rate, relative germination coefficient and germination index at different time points were increased by short exposure to microwave radiations, however, height exposure doses of microwave-induced a significant decrease in germination consequences. Further, various growth parameters were increased by one or more low doses of microwave radiations and were significantly decreased by higher exposure doses. These results were found to be in agreement with (Abu-Elsaoud, 2015; Aladjadjiyan, 2002; CreȆºescu et al., 2013; Ragha et al., 2011). Seed germination is completed with the protrusion of the radicle through the seed coat (Bewley Black, 1994). The subsequent seedling growth involves the e stablishment of the root and shoot systems. The hypocotyl growth is caused principally by cell expansion and/or by elongation. The low power 10.5 GHz irradiation reduces the rate and percentage of germination in radish seeds and increases germination mean time, thus impairing seed germination. The germination reduction is linearly dependent on the MW power intensity incident on the seed. These findings support the simplified hypothesis that the power density on a plane perpendicular to wave direction decreases with the inverse square of the distance from the source. Membrane electrolyte leakage accompanies the plant response to stresses were monitored at different microwave exposure doses. Electrolyte leakage is widely used as a measure of stress-induced injury in plants (Bajji et al., 2002; Lee and Zhu, 2010). According to our results microwave radiation with dose 1 seconds and 60 seconds did not induce a change in electrolyte leakage; however, MW doses from 5 to 600 seconds significantly increased membrane electrolyte leakage compared to the untreated control. These results in agreement with previous results (Aladjadjiyan, 2002; Demidchik et al., 2014). A possible explanation by (Aladjadjiyan, 2002) suggests a hypothesis about the absorption of the microwave radiation energy by the hydrogen or magnesium atoms electrons in the chlorophyll molecule. The energy absorbed is redistributed and it causes changes in the chlorophyll molecule. By increasing the radiation power used for the treatment of the samples, the number of free ions in the extract decreases and hence its electroconductivity, too (Aladjadjiyan, 2002). Studies using patch-clamp method showed that the microwave exposure reduces trans-membrane protein channels opening in cultured chick myotubes probably because microwaves provoked an alteration of intracellular enzymatic processes e.g. protein kinase activation (DInzeo et al., 1988) (DInzeo et al., 1988). In plant cells, the protein of water channels namely aquaporins of vacuolar membranes and plasma membranes are involved in the regulation of water movement dynamics in growth and development of plant cell and in stress responses (Maurel, 1997). In case of radish seedlings, microwaves may reduced water passage across cell membrane blocking aquaporins and causing reduction of growth in a turgor-dependent manner (Scialabba and Tamburello, 2002). The increase of growth rate upon irradiation removal shows that during the elongation growth, the cell can partially repair damages occurred at the membrane level. There is a general consensus of opinion about the fact that MW induces a thermal detrimental effect over the biological system. In the present case, we assume that the damage induced by the low- power microwave exposure is non-thermal because a slight temperature increase (up to 25 oC} over radish seeds has been demonstrated to induce germination and growth increase (Scialabba Melati, 1995). The reduced germination percentage and the delayed seedling growth confirm the importance of a serious cause of concern about the influence of expo- sure to environmental MW fields. It can be stressed the importance of limiting in time the exposure to MW as suggested by the recovering ability of the biological system considered in the present research. Membrane Electrolyte leakage is an essential measure of the plants responses to various stresses. It is mostly associated with the K+ efflux, which is a common response in plant cells (Demidchik et al., 2014). The stress-induced electrolyte leakage is always accompanied by reactive oxygen species (ROS) generation and hence, leads to programmed cell death. Recent results exhibited that reactive oxygen species (ROS; H2O2 and hydroxyl radicals) activates annexins, SKOR and GORK genes that catalyses K+ efflux from plant cells (Demidchik et al., 2014). Further, GORK-genes mediated potassium ion (K+) cause programmed cell death under oxidative stress. The intracellular endonucleases and proteases look to be blocked by potassium ions; consequently, the efflux of these K+ stimulates these nucleases and proteases hydrolytic enzymes causing programmed cell death (PCD). Potassium ions could play a metabolic switch role under moderate stress conditions decreasing the anabolic reactions rate and stimulating catabolic reactions, leading to the release of energy required for repairing and adaptation needs (Demidchik et al., 2014). The effect of microwaves on plants was the main purpose of the current study. Since it is a known problem, many other pieces of research were done on this topic. Having seen and observed other projects, we noticed that the major conflict was between whether microwaves affect plants germination or not. Our hypothesis was that they do affect it and, of course, it is well known that they do but it still made a challenge trying to prove it and it was found that every single step affected the results. Since it is likely that other people who did similar projects have done some errors through their study, the results were not reliable and could not be considered accurate enough.

Saving behaviour of Malaysian university students

Saving behaviour of Malaysian university students The purpose of doing this research is to determine the factors that influence the saving behavior towards private and public university students in Malaysia. There is an introduction regarding the research background about the factors influence the saving behavior towards private and public university students in Malaysia. For information, it determines the objectives of entire research and also justifies significant of research which outlines the purpose of this research. In addition, it also provided the definition for important terms throughout the research. With the rapid development of the financial system and the broader array of financial products and services available to consumers, there is an increasing need for Malaysians to make wise savings and investment decisions that will have lasting implications for their financial well-being. Due to the many peoples lack of the skill to manage their financial status, financial problems increase day by day. As a result, the understanding of the important of saving behavior and a clear picture of this matter is an important element to us. We are required to get a full answer from the problem. Previously there are a lot of researches had been done by other researcher. However, the studied is not well enough to give an insight or the key for the problem. The research is going to identify research problems by gathering all relevant and appropriate sources to support the statements and see how other researchers have perceived regarding the topic area. All data collected from previous studies are used to demonstrate the relationship between independent and dependent variables and it will show how independent variables make impact on the dependent variable. Chapter 2 Literature Review 2.2 Independent Variables 2.2.1 Demographic Factors Soo (2009) explained that demographic variables played a significant role in explaining attitude toward saving. However, when demographic variables were not considered, characteristics of saving goals and individual regulatory orientation were significantly related to attitude toward saving. In addition, the effect of saving goals was moderated by a households regulatory orientation. Moreover, it was concluded that saving goals affect attitude towards saving and saving behavior among peoples. Based on Jehad (2007), understanding the demographic problem behind the saving patterns is benefits for designing effective public policy. Age According with Joe, Hadley Balasundram (2002), many college students were unworried about their own financial status, future wealth, and retirement planning. Thus, the attitudes of the preschool children toward saving can consider an important personal characteristic because it may give an impact to them for their future life. (John Andrew, 2002). Nowadays young generation have low level of financial literacy, which due to their uncontrolled expenditure behavior. In the advancing ages, it would be quite difficult for an individual to develop the habit of systematic manage their financial planning (Pillai, Rozita Rachel, 2010). Due to the age factor, youth lack of the skill of financial literacy compared to middle-aged and older adults who have more experienced in financial planning (Pillai et. al., 2010). Besides, based on Elsa, Annamaria Chiara (2009), older individuals may have little discretionary saving the reason is because the amount of saving is already providing for their future retirement needs. From the research of Mohamad Maurice (2010), students who had late enrolled in their childhood consumer experience were considerably less likely to report financial problems. Moreover, Students are never required to educate themselves on personal finance. Once they enter the workforce, they will likely not take the time to become more financially literate and will not adequately prepare for their retirement (Chris Oliver, 2011). In contrast, the younger generation and the elderly save very little primarily due to their lower income, respectively. Thus, the life cycle hypothesis implies that private saving rises with a higher percentage of the working population, and falls with a higher percentage of the younger generation and aging population .According to the life cycle hypothesis, the middle age groups were categories to be the best in managing their saving. The life cycle hypothesis also suggests that young and old groups are the least likely to save because of their situation (Jehad 2007). A positive relationship between age and saving has been reported in many studies (Chang, 1994; Johnson Widdows, 1985; Browning Lusardi, 1996). Browning andLusardi documented a complex relationship between age and saving. Using crosssectional data, they concluded that elderly savings can be complicated by a cohort effect. Generally, people reaching maturity at different times might vary their attitude toward risk and borrowing, consequently affecting their saving rate. Using panel data, Hurd (1990) reported a decline in wealth among the elderly, suggesting a negative relationship between age and saving. Other studies compared the actual saving rate of different age groups with the expected saving rate based on economic models. Browning and Crossley (2001) concluded that while the elderly dissave, their actual dissaving rate is not as large as that predicted by an economic model. Avery and Kennickell (1991) found that age groups older than 65 saved more than what would be expected ba sed on an economic model. Gender According with Maria Stephanie (2002), studies in the field of psychometrics had found out that female attitude toward risk differs from male and demonstrates that gender is a powerful determinant of risk attitudes and judgments. The Study of John Andrew (2002) had show that the mothers attitudes are systematically both more important and than man. It can be said that female students were more likely to engage in savings behavior than male students (Maria et. al., 2002) In addition, according from Mohamad, Maurice, Jariah, Tahira Mohd (2008), female students had greater financial well-being than male students. From Angela, Urvi Erik (2008), it stated that women wealth has historically been lower than men. Moreover, the results of the current study had showed that there has an existing of the differences within saving behaviors between men and women (Angela et. al., 2008). Patti (2010) had reported that women who were in poor health condition were seldom to make their saving in the short period, while poor health condition did not significantly influence the short term saving of men. Furthermore, Patti et. al., (2010) has shown that the economic wellbeing and financial behaviors of male and female differ significantly. Female hold lower levels of wealth and have significantly lower earnings than male. Gender based differences in behavior that are systematic and widespread can influence consumptions, savings, investment and the level of risk taking at aggregate level were mentioned by (Szekeres et. al., 2010). The researches on developing countries proved that women may have a stronger preference than men for buying goods and services that contribute to the human capital of their children, such as food, education, and health care (Valeria, 2010). The study of Szekeres (2010) show that the term of gender refers to socially learned behaviors that are associated with females and males. Parents Marital Status David (2010) the analysis indicates that marital-status transitions play an important role that can impacts on personal saving decisions especially in the cases of widowhood and divorce. It stated that, when people get married, form a family, or separate through divorce or widowhood, they can experience dramatic changes in their financial positions. Therefore, the marital status and children almost certainly affect household resources, preferences, and background risk, and these elements lie at the heart of any analysis of optimal asset allocation and wealth buildup over the life cycle. In addition, households experience an increase in wealth due to the merging of the spouses assets after they marriage. Moreover, household heads of each gender must engage one of five states at the beginning of each age. They can be married, divorced, widowed, never married, or deceased. According to Berkay (2010), it suggested that the legalization of divorce led to a significant increase in the propensity to save by married individuals, which is consistent with individuals saving more as a response to the increase in the probability of marital breakup. Moreover, from the same research, some theoretical work has made a challenge to introduce marriage and divorce explicitly in a model of savings. It argued that different channels through which marital transitions can have an effect on consumption and savings. Avery and Kennickell (1991) reported that during a three-year period the wealth of those married or single (for the entire period) increased, which indicated saving. However, wealth decreased for those whose status changed between 1983 and 1986. Rha, Montalto, and Hanna (2006) discovered that households with single heads and children, households with married heads and children, and households with single female heads without children were less likely to save, relative to households with single male heads without children. Households with children tend to save less (Douthitt Fedyk, 1989; Bosworth et al. 1991; Browning Crossley, 2001; Freyland, 2004; Deaton, 2005). Ethnicity According to Yusof, Erik Bart (2000), there were large fraction of the ethnic Malay work in low-wage industries, whereas the ethnic Chinese and Indians frequently work in high-wage industries. For information, Mohamad Maurice (2010) were found that it has a negative coefficient indicating that Chinese students were substantially less likely to have effective financial behavior than the reference category such as Malay, Indian and others. Perry and Morris (2005) used data from the 1999 Freddie Mac Consumer Credit Survey to examine responsible financial behaviors, such as saving money. They found low-income African Americans were more likely to engage in responsible financial behaviors than their low-income White counterparts. The research did not find a significant interaction effect between race and income with respect to responsible financial behaviors for the Asian and Hispanic groups. Rha, Montalto, and Hanna (2006) found that households with a White respondent were more likely to save than those with Black or Hispanic respondents. They also found that Black households were significantly less likely to save than White households. However, Hogarth and Anguelov (2003) found that Hispanics were more likely than Whites to be savers. Their results showed no differences among Blacks, Whites, and other races in likelihood of being a saver. 2.1.2 Family Structure An additional child might cause a negative influence on a familys ability to save while. On the other hand, it may boost up the parents desire to save more (Tim, Sandra, Roslyn, Robert, 2006). The studies of Kathy (2009) had mentioned that the geographical redistribution of financial infrastructure, away from lower income communities, has resulted in geographical pockets of financial exclusion, economic decline, poverty and deprivation, as low-income households often do not have access to financial institutions and savings incentives. Additionally, low-income consumers often have to suffice with lower quality goods and services. They may have no choice but to purchase second hand goods, an option that is almost always viewed as second best (Joseph et. al., 2009). Besides, Additionally one can speculate about whether students from wealthy families might have had more and earlier consumer experience and greater financial socialization, so that those who scored higher on those predictors might also be able to rely more on their parents to assist them after graduation (Mohamad Maurice,2010) From the research of John Andrew (2002), it shows that parents wealth residuals are correlated to childrens wealth residuals. In other words, parents who save more than expected are more likely to have children who also save more than expected even after controlling for parental wealth. In addition, the first prediction of the model of the research were the savings behavior of children should be similar to that of their parents, controlling for income, age and other demographic variables. Thus, children observe parents consumption and planning behavior and may learn, or simply absorb, particular attitudes that affect savings behavior. Furthermore, homogeneity within communities and heterogeneity across communities could lead to relationships between parents and childrens behaviors. In between, the parental wealth may have direct effects on childrens behavior. Household income or lifetime earnings are positively associated with increases in household savings (Browning Lusardi, 1996; Chang, 1994; Rha, Montalto, Hanna, 2006; Hurd Zissimopoulus, 2003). Perry and Morris (2005) found that people with higher incomes were more likely to engage in responsible financial management behaviors, such as saving money. Avery and Kennickell (1991) reported that individuals with incomes more than $50,000 saved more than economic theory would suggest. Chang (1994) noted that income had a positive effect on saving. Rha, Montalto, and Hanna (2006) found a positive relationship between household income and the probability of saving. Browning and Lusardi (1996) noted that households with greater income uncertainty possessed higher savings from current income. 2.2 Spending Pattern Pillai et. al., 2010 With availability of generous pocket money, personal credit cards, access to credit cards of family members or high-paid jobs at prime age, young people are faster becoming impulsive spenders and prove reckless often. Moreover, strategic marketers are designing products and services targeting young generation. With the ease of information access through the Internet and web technology, marketers have managed to capture a significant market of youth through online store sales. In the Asian subcontinent, new trends in fashion, electronic gadgets, sports, video games, mall culture and music are important contributors to wasteful spending among the youth. Most of todays young adults, although smart and independent, scarcely understand the value of money because of the desire to adopt extravagant lifestyles, in addition the above mentioned factors. Young adults under the age of 30 are now the fastest growing age group filing for bankruptcy. Besides, evidences show tha t college students tend to spend their discretionary income on instant gratification of their wants rather than save money for their further education. Hibbert, Beutler Martin (2004) examine the influence of parental financial prudence on the attitude and behaviors of the next generation toward their finances. The study underscores the importance of family atmosphere to inculcate the necessity of being rational in personal financial management from the very early life of a person. Moreover, keeping personal financial records makes one to keep track of his or her various expenses and also develop the qualities of a cautious spender because one is constantly aware of how much he/she has spent probably during the last week, month or year. For information, spending in excess of their earnings is one of the most common problems faced by young adults today. The youth are following the I want philosophy, that is, they are more interested in accumulating material possessions than saving money and this leads to the domino effect of making impulsive purchasing decisions resulting in overspending and shortage of money. In addition, credit car d use habit has grown phenomenally among young adults. This increase in the number of youth holding credit cards and incurring credit card debt has generated concern that these young people are over extended and unaware of the long-term consequences associated with severe indebtedness. Moreover, John Andrew (2002) had mentioned that children are always be able to observe parents spending and planning behavior and learn the behavior from them. Mohamad Maurice (2010) stated that more than half of the respondents did not save any money when they received their scholarship or education loan. More than half of the students used their money for shopping. The data showed that 45 percent of them spent all their money before the end of the semester. 2.3 Educational Qualification It is obvious that people who are educated would be more aware about their future life. Thus, the important on saving might be one of the factors that make them taking into their consideration (Joseph, Clifford Annette, 2011). In addition, Masud, Husniyah, Laily, Sonya (2004) had pointed out that it is possible for educators to offer a course that teaches the financial skills necessary to overcome the financial problems among university students. For information, John Marco (2000) explored that the parents education levels would have a causal effect on childs education. Moreover, Mohamad Maurice (2010) stated that those students with higher financial knowledge were more likely to engage in saving behavior. Furthermore, the research said that the college-educated parents are strongly associated with higher residuals, it may effect that survives controlling for wealth (John Andrew 2002). Angela, Urvi Erik (2008) predictable a bargaining model of household saving behavior and found out those households where the husband had more education than the wife had lower levels of net worth. Higher rates of tertiary education which could perhaps be counted as another form of investment have also contributed to increasing debt (Janice,2007) 2.4 Sibling Rank Keister (2003) found that the number of siblings a person has is a significant predictor of the importance one places on saving for retirement. The more siblings one has, the less time each child has devoted exclusively to them from their parents. Parents with more children tend to save less and have less time to educate each child about saving. Also, the more siblings one has the less likely their parents are to pay for college, give them a car, or put the down payment on their first home. This causes them to have to pay for these items with no financial assistance from their parents. They are forced to start their finances off in debt and once someone is in debt, they often remain there for the rest of their lives. In addition, the more siblings one has the less likely they are to receive an inheritance when their parents pass away. In addition, it also finds that overall, the more siblings one has the less wealth accumulation they are likely to achieve. 2.5 Place of Origin Masud, Husniyah, Laily Sonya (2004) had mentioned that when the place of origin was compared, a higher percentage of those from rural areas reported experiencing more problems compared to those from urban areas. Students from rural areas may have a limited amount of resources in comparison to urban area students. Soo(2009). A students residential status can also influence the problems he or she faces. A higher percentage of those living off campus did not have sufficient money to last until the end of semester compared to those living on campus. Students living off campus spend more money on items that students on campus do not have to pay for, such as gasoline for commuting. Yet, a higher percentage of students living on campus reported skipping meals to save money. Since their money was not sufficient to last until the end semester, several students have to borrow money from friends. Thirty percent of males and no females indicated that they plan to pay off their debt when they get the money.

XM Satellite Radio: An Innovation Beyond AM and FM Radio Essay

XM Satellite Radio: An Innovation Beyond AM and FM Radio How much do you enjoy drinking a nice cold beverage, reclining in your most comfy chair, while listening to your favorite radio station? Music is a very important part of the average person's daily life. We wake up to music set on our alarm clocks, sing to music in the shower, listen to music while driving to work, and enjoy it throughout the rest of our day. Well sit back and get ready to experience Radio to the Power of X. We're talking about the new XM satellite radio. This is a brand new radio system that will sweep across America finding its way replacing your old radio service. The articles below will provide you with a closer look at the new XM satellite radio. We talk about the history, basics, and future of this amazing new service. We also give you a closer look at examining the positives and negatives of the XM satellite radio over your regular radio service. So, don't waste any time with static, distortion, and limited channels on your radio service. Take a deeper look at the XM satellite radio and find out for yourself, this is the radio wave of the future! The History XM Satellite Radio After nearly a decade of buildup and anticipation satellite radio has finally hit the airwaves. Satellite radio has been an emerging technology in the making for many years now. In 1992, the Federal Communications Commission (FCC) assigned part of the S-band (2.3 GHz) spectrum for nationwide broadcasting of a satellite-based Digital Audio Radio Service (DARS). In 1997, the FCC granted American Mobile Radio (now XM Satellite Radio) and CD Radio (now Sirius Satellite Radio) broadcast rights over... ..., March). Satellite 2002 Executive of the Year. Via Satellite 26-32. Morris, R. (2003, April 3). XM discussion [Article posted on Web Site XMFan]. Retrieved March 2003, from the World Wide Web: http://www.xmfan.com/viewforum.php?f=2 XM Satellite Radio. (2001). History [Article posted on Web Site XMradio]. Retrieved April 2, 2003, from the World Wide Web: http://www.xmradio.com/corporate_info/history_main.jsp XM Satellite Radio.(2001). How it works: Introduction [Article posted on Web Site XMradio]. Retrieved February 1, 2003, from the World Wide Web: http://www.xmradio.com/how_it_works/introduction.html XM Satellite Radio Stock Report. (2003, February) XM Satellite Radio Business Profile [Article posted on Web Site YahooFinance]. Retrieved February 2003, from the World Wide Web: http://www.biz.yahoo.com/e/011206/xmsr.com

A good man is hard to find paper -- essays research papers fc

â€Å"A Good Man Is Hard To Find† Flannery O’Connor’s â€Å" A Good Man Is Hard To Find† depicts a family’s encounter with a criminal escaped from a federal penitentiary and their essential relinquishment of life. The family that the story surrounds has planned a trip to Florida for a family vacation. Knowing but unconcerned about the criminal at large, also known as the Misfit, the family voyages onward towards their destination until the trip is abruptly stopped by a totally unnecessary exploration down an unkempt, hilly and dangerous road. The dangerous road combined with the unsuspecting attack of the driver from the grand mothers cat, Pitty Sing, lands the family in a ten-foot deep ditch and in need of help. The family frantically waves down the first car to pass and little do they know that the help that they were hoping to get will lead to an encounter with the Misfit and ultimately to their demise. O’Connor’s uses contrasting elements of literature to make the story â€Å"A Good Man Is Hard To Find† mysterious yet predictable, and undeveloped yet totally defined. Her use of third person unknowing keeps the reader wondering but her use of foreshadowing gives the reader insight to what may occur next. The use of these two elements together keeps the reader predicting, therefore leading to an involvement with the reader and the story. The narrator lets the reader know that a criminal is on the loose, â€Å"Here this fellow calls himself The Misfit is aloose from the Federal Pen and headed toward Florida and you read here what it says he did to these people† (302). The next sentence reads, â€Å" I wouldn’t take my children in any direction with a criminal like that aloose in it. I couldn’t answer to my conscience if I did† (303) which foreshadows what is to come later in the story. O’Connor also leaves many of the charac ters in the story very undefined except for the main two, The old woman, or the grandmother and the Misfit. O’Connor spent more time depicting the grandmothers outfit in the beginning of the story than she did with all of the undefined characters in the whole story combined, which gave insight to the way the grandmother was, the way she viewed herself and the way her family viewed her; an old, prude, egotistical woman. She did care for her family, but her intentions at heart were only for herself. The... ... Misfit are bound together by the mystery of life and death. The Misfit and grandmother are spiritually connected to each other by the blood and body of Christ that are said to be given in order to free one of sin. When the grandmother reaches out to touch The Misfit as like a hand of god the Misfit "springs back as if a snake had bitten him and shot her three times through the chest"(313). Flannery O’Connor’s background as a Christian influences the themes to her stories. In â€Å"A Good Man Is Hard To Come By† the relationship of God to his disciples, in this case to the grandmother is seen by his presence in her when she touches the Misfit. In the end the grandmother has gained redemption by coming to the acceptance of God and has in some way affected the Misfit. Although he has not accepted God in any way, the Misfit seems to be thinking, â€Å"The Misfits eyes were red rimmed and pale and defenseless looking† (313), maybe contemplating what he thinks about himself and the worth of practicing religion. Works Cited O’Connor, Flannery M. â€Å"A Good Man Is Hard To Find†. Literature: Reading, Reacting, Writing. 5th ed. Boston: Heinle, 2004.

Crash Course :: Essays Papers

Crash Course Ever since I was young, I have had a fascination with bikes and motorcycles. I enjoyed reading and learning about them. As an adolescent riding my bike was a sort of nirvana for me. Interestingly enough, I was never very skilled at the art of bicycle riding. True, I did find it interesting and exciting, among other things, but I just wasn't any good at it. I would be willing to venture that the number of accidents I had on my bike would rival the totals of some race riders, although I was never that daring. Consequently, I walked away (most of the time) from those accidents with quite a few scars and just as many stories. My first accident happened not long after my maiden voyage. In fact it happened on my maiden voyage. I lived in a small, Leave it to Beaver type town (with more dirt and more hoodlums), all the kids on the street were skilled bike riders, and "riding bikes" was the most frequent use of playtime. At nine or ten years old, I was suffering from distinct feelings of inferiority because there were kindergartners on my block who could ride their bikes when I hadn't yet learned. To this day I haven't been able to decide what kept me from learning for so long. Being the only kid on the block who has to ride with training wheels is not a distinction most ten-year-olds would want to call their own. And I was no different. I hated feeling like a baby. In the summer of my tenth year I decided that I would put an end to this feeling of inferiority once and for all. I had it all planned out. While I was spending a week at my grandparents house, I would teach myself to ride a two-wheeler. I would go away a chump and come back a champ: the ultimate "Rags to Riches" story, at least that is what it would be to my ten-year-old mind. I got to work on my mission as soon as I arrived. I went to my grandparents shed behind their house and opened it, stepping into the sun-baked shed and smelling the familiar warm musty odor that I had expected. Then I saw it: the old copper finish sparkling where some rays of sunshine snuck in the door to help me find it. It was old, most likely older than I was.

Online Education Essay

Every parent’s dream is to influence their children with life skills that will guide them to success in the future. In most cases, parents usually work full time jobs to achieve extra income to save for their children college costs. A college education could very well be that â€Å"cherry on top of the ice cream† for parents, and give them a moment to relax and finally take a breather. Today we find young adults with jobs working as hard their parents once did. This made it difficult to balance both work and school for them. In some instances, parents are usually the child’s first role model and teach them to set the standard for a good foundation of direction and determination. Students have been finding different methods to make it work by balancing out their work and school schedules. For example, working various schedules has been difficult, to include, morning, midday or twilight shifts just to add school, in their schedule. The burden in juggling work, school and personal time resulted in school taking a back seat and leaving no room to attend a traditional classroom. Distance learning has opened the door to the education community, businesses and private companies in many ways to assist those by introducing classroom instruction via online. Online education has boomed the past few years and has given individuals the chance to further their education. Priorities have once again changed, and the percentage of online courses taken has risen. Nonetheless, there is still argument whether a learner can obtain the information online, vice receiving proper classroom education. The goal of this paper is to address the benefits of distance learning are to identify the values, soundness and impact of online education. The future of online education has already impacted us in some way. Can one recall ever reading anything off your computer, smart phone or tablet? That is right! Believe it or not one has been educating themselves via the internet already. The tools are there and why not take advantage of a higher education with a college and/or university. In the article, Tom Snyder stated that, â€Å"lifelong learning must now be a part of everyone’s career plan†. I could not agree more with that statement. Web-based programs are on a rise and to educate oneself in an online environment is a significant benefit. There is always online training that your job requires one to complete for career advancement, without having a web based education one will not be able to get the required training needed for promotion. Online education is similar to what web-based training has to offer. It has the same goal in pushing out the information to such student, and it primarily depends on what the student is willing to learn. For students to have success while taking an online course, they should be determine and motivated. Even though online education is a self paced class, one can get overwhelmed and fall behind quickly. Instructors are answering questions online when students may have a problem. They will have to become more involved with the students by interacting on a one on one basis vice the classroom setting. The traditional classroom will always be there, and some may prefer it, but online learning has many benefits that cannot get passed up. In the Marine Corps, its main focal point is to be tactfully and technically proficient in their everyday duties. In the article, Samuel Ellis captures the big picture and identifies importance of being vigilant around your surroundings and what to do during an incident involving an active shooter. A key point that Brad Plumer wrote in February was that, â€Å"there have been 43 mass shootings in 25 states over the past four years – or nearly one per month†. The Marine Corps took notice, and it was not too long that something had to get done. Marine net is a distance learning tool that allows Marines, civilian employees and contractors the ability to gain and attain information via online education. According to Pete Russett, director of Mission Assurance Branch, â€Å"The shooting at Fort Hood and other similar tragedies led to this training†. Although this requisite requires your full attention to improve your experience on procedures for active shooters, it also assures that we can be familiar with the procedures of an active shooter. To train the number of Marines and civilians in a short amount of time would have taken long in a face to face classroom. However, Marine net bridged that gap and has established the ability to push out information and instruct everyone in a timely manner. Some may refer to online education as â€Å"false education† by not receiving the proper education in a tradition classroom. The article, Online Education May Transform Higher Ed, Brian Burnsed wanted to let the reader know that online education is happening throughout all colleges and universities and not leaving anytime soon. There were interesting facts that shook the online education movement. For example, change is constant and never-ending with innovations making it easier for students to access the internet for online courses. According to Matthew Tabor’s article, Louis Soares said, â€Å"A disruptive innovation always starts out at a lower quality,† he says. â€Å"[But], if you take that for-profit energy out of higher education, online [education] would not have grown the way it has in the last 10 years. † There has been an increase of student enrollment for online programs at these institutes. In the past, one was able to receive an associates and/or bachelors degree at smaller institutions that were strictly online courses. The bigger named universities and colleges have taken notice and started to implement newer online programs for potential students. This strategy ensured that students were, in fact, choosing these recognized institutes for online education. In Brian Burnsheds’ article, Richard Garrett, managing director at research firm, said, â€Å"We’re at the beginning of elite schools starting to take online seriously†. The increase of mobile technology has jumped start the revolution of online education. Students are far more familiar with computers that ever before. There are many changes that would have to be developed to create an online program that assists the instructor and teaches the student at the same time. Will there have to be personnel changes? Would the institute hire online only Professors? These are some of the factors to creating an effective online program, but the need of online education has increased and must be solved. At the end of the day, there are more positives than negatives for adding more online courses; it is just inevitable that students will take an online course sometime in the near future. Online education has come a long way to make it easier for students to achieve a higher education. It can be time consuming and beneficial at the same time. for the individual that is organized, determined, and motivated to self educate themselves. Many are skeptical that an instructor is not teaching, but just pushing information over the internet to the course. It is the responsibility of the student to ask questions; to improve his online learning experience. The rising demand for online courses will continue to climb and be as effective as or better than a traditional classroom. Though, it can all change with the intentions the institution has with the visualization and authenticity of their online education programs.

A Peoples History of the United States vs the Enduring Vision Essay

How complete are our textbooks these days? Yes, they may cover Christopher Columbus’s all the way to today’s current events. But just how complete are they? Often books tend to lean a certain direction, and offer perspective from only one point of view; most commonly the views of the victors, dominant country or possibly stories of heroes. What about the other side? Far too often the lesser of the two is left out of the textbooks and out of our minds. There are always two sides to a story, in this case, much of what we read is a mere, â€Å"partial truth†. In the following paragraphs and analysis, assumptions and generalizations we have made about our country and it’s â€Å"heroes† will be examined in an in-depth interpretation of the standard American textbook, The Enduring Vision vs. Howard Zinn’s, A People’s History of the United States, a strongly worded book meant to offer a different point of view, one not of the hero, but of men they truly were. Everyone knows who discovered America, Christopher Columbus, of course! â€Å"In 1492, Columbus sailed the ocean blue† At a very young age we are taught that, but that’s only half the story. According to, The Enduring Vision, â€Å"Religious Fervor led Columbus to dream of carrying Christianity around the globe, but he also hungered for wealth and glory. †(p. 27) Upon discovery, Columbus became very fond of himself, and what he had done. He discovered a land and a people that before his discovery never existed. Because of this, Columbus’s hunger for wealth and glory came to the forefront. The textbook makes no mention of the less publicized portions of his life; it certainly was not carrying Christianity to the world. The book fails to mention, the cruel and inhumane things that were done to the Native American who currently inhabited the â€Å"New World†. Those actions seem to be brushed under the rug, because of the fact that he is an American hero. However, Howard Zinn offers a view from a different perspective. â€Å"†¦They willingly traded everything they owned†¦. They were well built, with good bodies and handsome features†¦They do not bear arms, and do not know them, for I showed them a sword, they took by the edge and cut themselves out of ignorance. They have no iron. Their spears are made of cane†¦. They would make fine servants†¦. With fifty men we could subjugate them all and make them do whatever we want. † (Zinn 17) Columbus’s lust for wealth, power, and domination of the people blinded his view of spreading Christianity. In Columbus’s report back to the royal court in Madrid, Spain, Columbus uses religious talk to convince the court that he was establishing a community, and to establish fame and a reputation back in Spain. In exchange for a little help, Columbus was to bring them, â€Å"as much gold as they need†¦ and as many slaves as they ask. Concluding his report he said, â€Å"Thus the eternal God, our Lord, gives victory to those who follow His was over apparent impossibilities† (Zinn 20) this was not entirely true, his report was exaggerated, however, the court granted him his expanded fleet and men. However, Columbus was not out to colonize the new world, he was looking for his personal gain ; Gold, and slaves. This American â€Å"Hero† isn’t everything the history books and movies make him out to be. Columbus was a liar, cruel, and was out for glory and fame. It’s a sad truth to such an important piece of an American history. As American we would like to believe that Columbus was the man he was made up to be, and definitely not a â€Å"Christ-like† figure. He was much more than an explorer who owned a few slaves; he is a man responsible for the institution of slavery and the murder of many, many Native Americans. Another well-known figure in history has a distorted past, he happens to be one of our most respected presidents; Thomas Jefferson. Jefferson is perhaps most known for his hand in writing the Declaration of Independence. Although Jefferson was a major player in gaining our country’s independence from England; he wasn’t much for granting independence to a certain group of people in America. Although, it is noted that Jefferson had a personal distaste for slavery, that did not stop him from owning slaves, hundreds of slaves until the day he died. Jefferson even slipped a portion his views into the Declaration of Independence. It is a very common cliche phrase that is known by many, in which he lists property, in a list of â€Å"unalienable† rights. That among these are Life, Liberty, and property† However, Congress didn’t approve, and instead, they chose, â€Å"Life, Liberty and the pursuit of happiness†. Slaves were often referred to as property at that time, not human beings, but property, as if they were a possession. So, who really was Jefferson, was he a noble president, who still today remains a prominent figure in the history of the United States? Or was he just like everyone else, a slave owner, and didn’t truly believe that â€Å"All men are created equal†? Personally, I believe that Jefferson was a product of the time period. Being a slave owner was common; he was in line with what wealthy plantation owners. He may have believed that slavery was not a moral institution, but that doesn’t require him to being an abolitionist. According to Zinn, Jefferson’s paragraph was removed because, â€Å"slaveholders themselves with the desirability of ending the slave trade. †(Zinn 77) Thomas Jefferson was an extremely intelligent man, and I believe he wrote that, with the foresight of the country in mind. He knew that it should not be a part of America going forward, however, at the time; it was a part of life. In addition to that, Jefferson needed to keep his popularity high, and by ending the slave-trade, Jefferson would lose many of his supporters. For this I believe that in this case Zinn may be bias, he goes after every flaw in people we look up to, and we simply cannot expect them to be perfect. Yes, they may have made some mistake and at times be hypocritical, but everyone is guilty of that at some time in their life, especially at a time where presidents where selected on what they had done in battle, not in politics. The next difference comes in the form of another president. Andrew Jackson, the face of our twenty dollar bill. According to the textbook, â€Å"Jackson’s victory over the British at the Battle of New Orleans made him a national hero, and southerners admired him as a Tennessee slaveholder, a renowned Indian fighter, and an advocate of Indian removal† 216). Many American regarded Jackson as a â€Å"Living link to a more virtuous past. † Upon, gaining the presidency, one of Jackson’s first moves was to remove all the members of upper ranking officeholders†¦of the rival party. It was not well received by many; they began calling it the â€Å"spoils system†. He defended his actions by conveying that it was on the basis of Democracy; so that more people could work for the government. Jackson often gave jobs to family members or friends before giving the public their fair shake. Jackson was also willing to give jobs to people who weren’t qualified, because he knew them. This wasn’t the only thing that Jackson took heat for; his â€Å"morals† got him into more trouble. Jackson was easily bribed, and used deception as well as force to get what he wanted. Whether it was land or gold, Jackson was willing to use his power as president for his gain. Zinn 128) Zinn, points out the fact that this will never be printed in a text book, as Jackson is a face of this country. â€Å"If you look through high school textbooks and elementary school text books in American history you will find Jackson the frontiersman, soldier, democrat, man of the people-not Jackson the slaveholder, land speculator, executioner of dissident soldiers, exterminator of the Indians. †(Zinn 125) Strong and harsh words for a man, especially a president nonetheless. As we have seen in this and past examples, that Zinn emphasizes the other side of the story, the one you don’t hear about. Unfortunately, these are stories that everyone should know. Zinn, places an emphasis on teaching what the textbooks don’t, the textbooks focus on the spoils and fame of the individual. Howard Zinn provides an alternative view that sheds light on the morals of these men, which are not well publicized. Abraham Lincoln, the savior of the Union, often considered to be one of the best if not the best presidents in the history of the United States. However, this is one of the rare instances in which Zinn agrees with the textbook. For once, Zinn focuses on the results, rather the character. Lincoln didn’t believe that the African-Americans were his equal, but he did believe they had the rights of a human being; no human should be subject to being owned by another. However, Lincoln’s main priority was to preserve the Union, and to unite the States of America. The fact that Zinn agrees with the textbook in their positive view of Lincoln, shows the Zinn is not out to attack our great American Heroes. However, Zinn simply wishes for the other side of the story to be told, after all, all this stuff should be taught. Teaching as if this never happened, is like teaching addition without subtraction. Finally, we conclude with yet another president; our first President of the United States, George Washington: The fearless and ambitious leader that America looked to, to become our first president and lead the country in a positive direction. The Enduring Vision says it well, â€Å"American Victory depended on the ability of one man to keep his army fighting despite defeat† (120) Washington’s record in battle was poor, he lost more times than he won. However, the important part was that the people followed him. George was exceptionally tall for this time, so people naturally looked to him to lead them-despite losing. However, Washington was a slaveholder himself. Although, he did free them before he died. During the Revolutionary war, Washington did turn down a request of black slaves to fight in the army. (Zinn 83) Despite, his downfall, George Washington was an honorable man, who was the perfect choice for first President of the United States. Zinn tends to tarnish Washington’s reputation, with some of the things he chooses to publish; he gives Washington little credit for his accomplishments. In fact, I believe that Washington’s failures is what makes him such an insightful historical figure, failure spurred his ambition for bigger and better things. In conclusion, I have determined that much of what is printed is only partial truth. Thanks to Howard Zinn, people can explore the character that shaped out country. Although Zinn may seem to attack these men, he is simply pointing out that they weren’t the men they are made out to be in modern day history books and films. After reading, A People’s History of the United States, I am very pleased that someone decided that the truth must be told; even though it is not always what we want to hear.