Getting a Raise and Getting a Rise

Getting a Raise and Getting a Rise Getting a Raise and Getting a Rise Getting a Raise and Getting a Rise By Maeve Maddox Natasha asks: What is the difference between rise and raise? As far as I understand, they both have to do with an increase, but they are also supposed to be different. Is that correct? The words raise and rise have numerous meanings, both as verbs and as nouns. Some common meanings of rise as a noun: a movement upward Ex. The world watched his rise to power. the reaching of a higher level by an increase of quantity or bulk Ex. The rise of the river provoked concern. an upward slope Ex. We walked as far as the rise. an irritated response to provocation Ex. Your last remark sure got a rise out of him. the distance from the crotch to the waistline on pants; the distance above the waistline on skirts Ex. The tailor measured the rise. One of the Merriam-Webster definitions of raise as a noun is â€Å"an increase in wages or salary.† British speakers, however, would refer to such an increase as a â€Å"rise.† Writing for British readers, Paul MacKenzie-Cummins heads his article with the title Get a Salary Rise: Six Tips. Writing for speakers of U.S. English, Dawn Rosenberg McKay heads a similar article with the title How to Ask for a Raise. Both U. S. and British usage would find the following headline acceptable: Experts Predict a Rise in Salaries Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:How to Structure A Story: The Eight-Point ArcCannot or Can Not?Is "Number" Singular or Plural?

History Assignment Example | Topics and Well Written Essays - 250 words - 13

History - Assignment Example John River a through the Lake St. John and Lake Nipissing to the south end. East Florida, on the other hand, was bounded to the west by the Gulf of Mexico and Apalachicola River. In the same way, West Florida was enclosed by the Gulf of Mexico on the south. Lastly, islands of Grenada, together with Grenadines and the Islands of Dominico, St. Vincents and Tobago, shall be put under the care and inspection by the Governor of Newfoundland. If someone had already settled on those lands reserved for Indians, then these people shall be forced to immediately remove themselves from the settlements. To facilitate this action, the governors and commanders-in-chief of all colonies as well as those under the Government and Direction of Proprietaries will implement the provisions in the treaty. Also, officers in the military and those under the Management and Direction of Indian Affairs shall arrest those who will commit crimes and violate the treaty. Violators shall be subjected to trial in the colony where the crime is committed. People are not allowed to buy land from the Indians because, according to the government, because people are connected with the tribe. Also, since it is assumed that the Indians live under the protection of the people, the crown took the responsibility of protecting hunting grounds for Indians. In this way, their possession in their dominions and territories will not be disturbed or

Giardia Essay Example | Topics and Well Written Essays - 2000 words

Giardia - Essay Example Identification of the Disease Giardiasis is an infection of the gastrointestinal tract. Other common names are lambliasis and beaver fever. After infection with the parasite, the individual suffers a diarrheal infection after the first week (Berger, 2011). The infection has been categorized as a global problem because of its prevalence in many parts of the world. The name ‘beaver fever’ emerged after research indicated that the disease was common amongst backpackers and campers. The science community ascertained the link between the giardia parasite and the diarrheal infection in the 1970s, although they had known the parasite since the 17th century. The diarrheal infection does not present any mortality rates unless in individuals exhibiting a compromised immune system. Many of the people infected with the parasite have been reported to exhibit minimal symptoms. Other researches indicate that there are cases that are more serious, and the infection can cause diarrhea fo r about two weeks. Description of the Organism The parasite giardiasis is the causative agent of a common diarrheal infection that has existed for a long time. Van Leeuwenhoek discovered the parasite in 1681. Using microscope, he highlighted that the parasite exhibited slow movement, and had flagella that facilitated the movement. He also classified the parasite as one of the simple eukaryotes. Other scientists developed interest in the parasite in the centuries that followed, and sought to describe it further. From advanced studies, it became evident that Leeuwenhoek had observed the parasites in the trophozoite phase. This was after the discovery that the parasite exhibited two different stages of life. According to the findings of 1880, it became evident that the parasite had both the trophozoite cysts stages (Parker & Parker, 2004). During the cyst stage, the flagella were invisible. Scientists have described the cyst stage as a dormant phase in which the parasite forms a protec tive wall around itself. This wall makes the parasite resistant to temperature changes, osmotic differences, pollution, and nutritional shortage. Further studies revealed that the cysts have the potential to remain viable for long periods without the having access to water and food. Usually, this serves as the infective stage of the parasite as many people get the infection from swallowing water infested with cysts. After entry into the gastrointestinal tract, the parasite moves from the cyst into the trophozoite stage. In this stage, the parasite engages in obtaining nutrients in the intestines and reproduces. The flagella are visible during this phase of Giardia (Russell and Cohn,2013). Biologists have described the trophozoite as having the ability to attach to the intestinal villi, where they depend on mucosal secretions for nutrition. In size, the trophozoites are 9-21 micrometers long, 5-15 micrometers wide, and 2-4 micrometers in thickness. When viewed under the microscope, t hey depict a pear shape that has a round end on the anterior side, two nuclei, as well as two distinctive median rods. The trophozoite also exhibits motion with the four pairs of flagella evident on each cell. In its ventral body, the organism has an adhesive disc that facilitates its attachment to the intestines. The organism reproduces by asexual binary fission, with the production of a new generation every five hours. Some trophozoites detach themselves from the intestines and

The Yellow Wallpaper: A Stifling Relationship -- essays research paper

Husband-Doctor: A Stifling Relationship In Gilman’s â€Å"the Yellow Wallpaper† At the beginning of â€Å"The Yellow Wallpaper†, the protagonist, Jane, has just given birth to a baby boy. Although for most mothers a newborn infant is a joyous time, for others, like Jane, it becomes a trying emotional period that is now popularly understood to be the common disorder, postpartum depression. For example, Jane describes herself as feeling a â€Å"lack of strength† (Colm, 3) and as becoming â€Å"dreadfully fretful and querulous† (Jeannette and Morris, 25). In addition, she writes, â€Å"I cry at nothing and cry most of the time† (Jeannette and Morris, 23). However, as the term postpartum depression was not in the vocabulary of this time period, John, Jane’s husband and doctor, has diagnosed Jane as suffering from â€Å"temporary nervous depression [with] a slight hysterical tendency† (30).(Colm) It may be more accurate to view the symptoms she develops later in the story—visual hallucinations, delusions, paranoia—as stemming from a psychotic condition that, prior to the birth of her son, was subdued or in control. The birth of her son precipitated a confrontation with John and became a catalyst of her psychosis. Jane's child may be considered a catalyst because, although he is not named for us by the narrator, he will be the recipient of his father's last name. Walsh points out â€Å"the stress laid in the clinic on the father as word and figure, so that what is finally important might be called the perception of paternity or the relation to paternity† (78). When applied to a reading of â€Å"The Yellow Wallpaper,† this translates into the following: The birth event is one of the times, perhaps the first, that Jane actually confronts her relation to the father of her son, John. In relation to the above, until the very last few lines of the story, Jane herself, is unnamed.(Hume, 477) This absence correlates with the void she has in the place at which a non-psychotic person would have a relation to the Husband/Father. Furthermore, even though her name eventually is revealed, it is, in essence, a no name: Jane, as in Jane Doe, as in anonymous, without a history or connections of any sort. Aside from Jane's anonymity, there are other indications that Jane does not fit into the wife/mother relationship. From the opening lines, Gilman makes it clear that the world of the story is feminist. For example... ... Psychoses.† Criticism & Lacon. Eds. Patrick Colm Hogan and Lalita Pandit. Athens: U of Georgia P, 1990. 64–73. Dock, Julie Bates. ‘But No One Expects That’ Charlotte Perkins Oilman's â€Å"The Yellow Wallpaper' and the Shifting Light of Scholarship.† PLMA 111.1 (Jan 1996): 52–65. Gilbert, Sandra M. and Susan Gubar. The Madwoman in the Attic: The Woman Writer and the Nineteenth-Century Literary Imagination. 2nd ed. New Haven: Yale UP. 2000. Treichler, Paula A. â€Å"Escaping the Sentence: Diagnosis and Discourse in ‘The Yellow Wallpaper.’† Tulsa Studies in Women's Literature 3. 1–2 (Spring-Fall 1984):61–77. Johnson, Greg. â€Å"Gilman's Gothic Allegory: Range and Redemption in ‘The Yellow Wallpaper.’† Studies in Short Fiction 26.4 (Fall 1989): 521–30. Powers of Horror: An Essay on Abjection. Trans. Leon S. Roudiez. New York: Columbia UP, 1982. Kristeva, Julia. Desire in Language: A Semiotic Approach to Literature and Art. New York: Columbia UP, 1980. Tripathi, Vanashree. â€Å"Charlotte Perkins Gilman's ‘The Yellow Wallpaper’: A Gynograph.† Indian Journal of American Studies 27.1 (Winter 1997): 65–69. Lacan, Jacques. Ecrits: A Selection. Trans. Alan Sheridan. New York: W.W. Norton &Co., 1977.

Crisis in Movies: Self Medicated

His mother, who developed a drug problem of her own, was unable to deal with his behavior. He was rarely attending school and getting in fights regularly. He began hanging out with a different peer group and cutting ties with the positive influences in his life. He displayed significant discomfort anytime his father was mentioned and it was clear he had not dealt with his grief in a healthy way. 2. Identify the type of crisis (Situational, Developmental, Existential). (10 pats. The crawls In this situation was primarily situational, but one could also argue that there was a developmental crisis. Andrews father died and the family, both Andrew and his mother, appeared to lack the adequate coping skills to deal with the stresses normal stress associated with being a teenage boy, and his mother the stress associated with raising a teenage boy. After the death of his father there was a developmental crisis during which Andrew was unable to successfully transition from being a dependent t eenager to an independent young man. 3.Identify the material, personal, and social resources available to the individual. (10 pats. ) Based on the home in which the primary characters live it is apparent that they either are, or at one point were fairly wealthy. Andrews mother does not appear to be employed and he does not hold a Job. There is no indication of an extended family support network. Andrews mother does not appear to have any support system. They appear to be very isolated. Andrew had an abundance of negative, superficial â€Å"friends† and one female friend who had pro-social contact with both him and his mother.He is also very intelligent which is a valuable personal resource but there are times during his recovery process that it appears to interfere with his testability. Due to the fact that he resides in a large city, Lass Vegas, there are innumerable community resources available as well. 4. What were the differing perceptions of the crisis? (the client, fam ily, community, friends, legal perspectives) (10 pats. ) The client, Andrew, did not believe there was a crisis because he did not view his behavior as problematic.His mother felt quite differently and was highly concerned with both his drug and alcohol use and his apparent inability to deal with the death of his father. After multiple failed attempts to directly address Andrews behavior, his other appoints custody of him to an extreme measures treatment facility. They kidnap Andrew and he is enrolled in an involuntary, live-in rehabilitation program for addicts of all kinds. At the treatment facility Andrew was viewed as a â€Å"problem child†. This was largely due to his intelligence and the lack of realization of there being a problem.He was unwilling to discuss his father and used his intelligence to manipulate and scheme against staff. Until he was forced into treatment Andrew surrounded himself with people who were sharing in his addictive behavior, this undistributed t o his inability to realize that he was in crisis because his community group was comprised of fellow addicts. 5. Briefly, how was the crisis handled by the protagonist? (10 pats. ) The protagonist, Andrew, refused to address the death of his father, which was a primary stresses.Eventually he turned to alcohol and drugs to numb the feelings associated with the pain of his father's death. His lack of positive coping tools eventually led to a crisis of drug and alcohol addiction. By the end of the film Andrew had accepted that his addiction was destructive and was taking steps towards cover and more importantly towards dealing with the underlying issues that had 6. Suggest several steps for your client that could be used to handle the crisis. (10 Andrew does not believe he has a problem. He needs help seeing his addiction as detrimental.One of the primary issues driving Andrews addiction is the unprocessed grief over his father's death. He needs counseling to help him deal with those e motions and to learn healthier coping skills. Andrew and his mother also need to work through the resentment that has developed between them. Forgiveness therapy old be valuable if incorporated into family counseling. Cognitive self-change is also a valuable tool in dealing with addiction. Realistically Andrew is also going to have to deal with his legal issues before he can truly have a clean start.He also needs to attempt to salvage his GAP in order to complete high school. Due to the fact that he wants to go to college he will likely need to extend high school by a year so that he can retake the classes he did poorly in and salvage his grade point average as much as possible. 7. Suggest steps for teaching coping skills and developing resiliency (preventing the rises from reoccurring). (10 pats. ) Andrew would greatly benefit from learning how to verbalize his feelings and talk through his problems instead of stuffing and avoiding.He needs his emotions regarding the death of his f ather to be validated and to understand that they are okay to have. Re-involving himself in the healthy outlets he used to enjoy, like sports, would be a positive way to handle stress as well. Because he has struggled with addiction it will be very important to his future success that he complete a thorough relapse prevention program. He needs to identify what his triggers and red flag tuitions are so that he can learn steps to intervene in those situations. 8. What referral sources would be available to the client if he/she lived in your area? Specific names of organizations in your area to which you might refer your client. You might have to research your area for this. ) (10 pats. ) He could be referred to private counseling, support groups for those grieving the loss of loved ones, and drug/alcohol rehab or support groups. There are groups like Alcoholics Anonymous, Celebrate Recovery, and LIDS Family Services Addiction Recovery for those struggling with drug and alcohol addicti on. His lawyer could also push for a mandatory treatment program instead of traditional punishment for the crimes he had committed.This community has a treatment focused state prison nearby which employs the therapeutic community model for drug and alcohol rehabilitation. Because of this there are several certified drug and alcohol counselors in the area, some of which take on private clients on their own time. There are also drug and alcohol education groups such as DARE that may be beneficial. We are either slaves to sin or slaves to Christ, and the Bible is clear that to be a slave to Christ is a far easier burden to bear. Often times those things we believe to be freedom eventually become the heaviest of our chains.This can be seen in Andrews downhill spiral of addiction. He thought he was having fun getting drunk and skipping school, he was doing whatever he wanted. However, it eventually reached the point that Alcohol was all that he wanted. The desires of the flesh quickly le ad us to destruction. It is my opinion that there are few things out there that demonstrate the bondage we are in apart from Christ so vividly as drug, alcohol, and sexual addictions. Addiction is the epitome of being in bondage, of being a slave.

Jsdgflka - 3918 Words

Comparative Literature 153: â€Å"International Cultures: Film and Literature† Dr. Thomas Jay Lynn * Penn State Berks * Fall 2015 * MWF 12:00-12:50 Franco 101 * Office Meeting Period MWF 1:15-2:15 (For an office meeting during this or a different time, please e-mail, phone, or speak to me in advance, if possible.) Office: 117 Franco * Office Phone: (610) 396-6298 * E-mail: TJL7@PSU.EDU Please note: This syllabus and various other course documents (including essay guidelines) will be posted online at our ANGEL course site. â€Å"I am proud of my humanity when I can acknowledge the poets and artists of other countries as my own. Let me feel with unalloyed gladness that all the great glories of man are mine.† ~ Rabindranath Tagore†¦show more content†¦At the Writing Center, which is a free Penn State Berks resource, a trained writing tutor will work with you at any point in the writing process from brainstorming ideas to polishing a final draft. To make an appointment, go to berks.mywconline.com. If you have questions, call the Writing Center at 610-396-6407 or email bk-writingcenter@psu.edu. Want to Give Help? You may wish to consider participating in PEPP (Penn State Educational Partnership Program). This program pairs PSU students with promising middle and high school students for mentoring. This is a valuable service to the local community and a great way to expose prospective students to Penn State Berks’ programs. For more information about PEPP, please contact Guadalupe Kasper, director of PEPP, at gur10@psu.edu or at 610-396- 6272. What You Will Do in CMLIT 153, â€Å"International Cultures: Film and Literature,† Fall 2015 âž ¢ Read, think, and write deeply about four international films and four related novels. Keeping up with the assigned reading and completing reading assignments prior to the appropriate classes are vital components of a successful course. In additional careful consideration and thoughtful responses to the four films that you will view are essential. Please be proactive by preparing for each appropriate class at least one specific and thoughtful question or observation about the current film and at least one for the current novel. Sharing these

Study Of Suitable Investments During A Recession Period Finance Essay - Free Essay Example

Sample details Pages: 7 Words: 2116 Downloads: 7 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? According to Stormy Brain (2008) Keith Robert (2003, p. 31), the key to investing during a recession is to start off with the right mentality and do not panic. They also lay the groundwork for opportunities in the future even recession can be scary. Interest rates fall and it becomes less expensive to borrow money. Cost-cutting processes can teach a company to become more innovative and competitive. The lower demand for products and services brings down the effects of inflation. Warren Buffet, George Soros (1995), Mary Jaksch (2009) also believed that stock market timing is not exact, but chances are that if you invest during a recession, once the market has recovered you will benefit from the increase in price that your investment will bring by way of profit when you do decide to sell. Recession may not seem like the best time to be investing your money but just because we are in a recession doesnt mean the market has come to a complete standstill. There are di fferent ways you can invest which obviously vary depending on your current financial situation. There is an investment possibility for everyone, which can help put a little extra savings back in your pocket and even yield some future wealth down the road. Warren Buffet (1995), Anna Frago (2002), Kelley Wright (2010) stated that blue chip stocks are these companies hold leading positions in their industry and have a long, unbroken record of earnings growth and dividend payments. These stocks are high-grade, investment-quality issues of major companies that have the fundamental strength and size to hold their own during a recession and enough resources to capitalize on an economic recovery. Investors who are conservative and who seek safety and stability will usually invest in this group. In Malaysia, blue chip stocks include Public Bank, Genting, Sime Darby and others. Otherwise, investors typically add defensive stocks to their portfolios during economic recessions, or market downturns. Thats because defensive stocks can be expected to perform relatively well during all phases of a business cycle even during difficult economic conditions as suggested by Warren Buffet (1995) Anna Farago (2002) Berba Velasco (2009), Esme Faerber (2008). A defensive stock is normally associated with a company that belongs to an industry or market sector that is unaffected by business cycles. That is to say, consumer demand for their products or services exists no matter how good or how bad the economy is performing. Defensive stocks are the opposite of cyclical stocks whereby the financial health of cyclical companies move in-sync with the health of the economy. Thats why these stocks are also referred to as non-cyclical stocks. Defensive stocks include companies belonging to the following market sectors are utilities, food beverages, healthcare, non-durable goods. The biggest advantage an investor gains through the purchase of defensive stock is a conservative portfolio that should provide above average returns during a recession. The profitability of these stocks will hold up during these hard times because the demand for the products or services of these companies is relatively inelastic. Warren Buffet (1995), John Waggoner (2006), Esme Faerber (2008) also noted that investments in utility stocks are stocks of electric, water, gas, and telephone companies that are usually with a relatively decent dividend income and high degree of safety. Whether the economy is growing or slowing, people just need electricity, water, gas and phones, these services are an indispensable part of our lives. In Malaysia, there include Terlekom, Tenaga, Petronas and others. In the finding of Jim Roger (2007), Susan C.Walker (2008), Beth Anderson (2008), gold is traditionally seen as a safe investment, especially during a time of financial uncertainty, high inflation, depreciating exchange rates and economic recession. During a recession, gold is seen as a better in vestment than say the stock market. Stocks will fall as companies make less profit. David Prakash Egon von Greyerz (2009) also stated that gold is seen as a safe investment for preserving value of assets and has an intrinsic value. This encourages speculative buying of gold as investors diversify out of other riskier investments. Gold will also become attractive if we have negative real interest rates e.g. inflation higher than nominal interest rates. With negative real interest rates, saving in a bank becomes less attractive and gold become more attractive. Lavanay Bhadwal (2009) Julian D. W. Phillips (2010) also suggested that you can use gold as a short term or a long term investment where they will get sufficient returns. Research and analysis suggests that gold has grown by at least 2% in the last 50 years and the present decade has seen the gold market grow at 4% annually. During a recession, interest rates are typically at their lowest. This means that it will cost the a verage person less money in terms of interest payments to make large purchases. William H. Pivar (2004), Dold de Roos (2005) Sal S Vannutini (2008) suggested that among the largest of purchases is the purchase of a home of piece of investment real estate. As the demand for homes tends to decrease during a recession, sellers are forced to lower their asking prices in order to be more appealing to buyers. This lower asking price is also a monetary advantage to the individual looking to invest in a home or to buy a home and hold on to it long enough to have the market rebound and then sell that home for an easy profit. New home sales have seen a steady decline in value during the recession, but that is by no means the only indicator that those looking for an investment opportunity should use to base their decisions off of. Buying a new home that is currently undervalues simply because of the status of the market can be a brilliant investment move. According to Galen D. Burghardt, T errence M. Belton, Morton Lane, John Papa (2005), corporate bond is a type of bond issued by a corporation. Corporate bonds often pay higher rates than government or municipal bonds, because they tend to be riskier as revealed by the bond holder receives interest payments (yield) and the principal is repaid on a fixed maturity date. US Treasury bond is a negotiable, coupon-bearing debt obligation issued by the U.S. government and backed by its full faith and credit, having a maturity of more than 7 years. Interest is paid semi-annually at fixed coupon rate. U.S. Treasury Bonds are exempt from state and local taxes. These securities have the longest maturity of any bond issued by the U.S. Treasury, from 10 to 30 years. The 30-year bond is also called the long bond. These bonds are not callable, but some older U.S. Treasury Bonds available on the secondary market are callable within five years of the maturity date. In the finding of Esme Faerber (1999) Srichander Ramaswamy (2004), th e prices of the long term US Treasury Bonds or the highest investment grade bonds would expect to increase during a recession because interest rates tend to fall during a recession. Corporate bonds for a bit more risk and pay out higher amounts but have just a little bit more risk than treasury bonds, especially during a recession. Bonds are considered to be less risky than stocks, since the company has to pay off all its debts (including bonds) before it handles its obligations to stockholders. Corporate bonds have a wide range of ratings and yields because the financial health of the issuers can vary widely. A high yield bond or junk bond is a bond that is rated below investment grade at the time of purchase. Edward I. Atman (1992), Matthew Goldstein (2001), Murali Ramaswami (1991) stated that bonds have a higher risk of default or other adverse credit events, but typically pay higher yields than better quality bonds in order to make them attractive to investors. Therefore, in vestors with a greater risk tolerance and much deeper pockets may even want to consider buying into a junk-bond fund. Recent history has shown that junk-bond investors have earned their best returns the year after the junk-bond market bottoms out. In 1991, while the nation was mired in its last recession, the junk-bond market produced an eye-popping 34.6% return on investment, according to Moodys. The impact of declining interest rates is magnified on the junk-bond market because high-yield bonds carry much higher rates than other kinds of bonds. Declining rates make those high yields that much more attractive, which tends to raise the price of the bonds that pay them. Gary L. Gastineau, David Lerman (2001) Archie M. Richard (2007) founded that an exchange-traded fund (or ETF) is an investment vehicle traded on stock exchanges, much like stocks. An ETF holds assets such as stocks or bonds and trades at approximately the same price as the net asset value of its underlying assets over the course of the trading day. Most ETFs track an index, such as the FTSE Bursa Malaysia KLCI. ETFs may be attractive as investments because of their low costs, tax efficiency, and stock-like features. Investors can buying shares in several exchange-traded funds, or ETFs stocks that track the performance of a major market index such as the KLCI or the Mesdaq, or are based on actively managed mutual funds. That way, they can participate in any early rally in stocks without being overly exposed to any single companys poor earnings performance. ETFs have grown in popularity with individual investors because theyre cheaper and easier to invest in than traditional stock index funds during recession. Money market deposit account is a savings account which shares some of the characteristics of a money market fund. Like other savings accounts, money market deposit accounts are insured by the Federal government. They are very safe and highly liquid investments, but offer a lower int erest rate than most other investments as suggested by Marcia L. Stgum (1997) Julian Walmsley (2000). Credit default swap is a specific kind of counterparty agreement which allows the transfer of third party credit risk from one party to the other. One party in the swap is a lender and faces credit risk from a third party and the counterparty in the credit default swap agrees to insure this risk in exchange of regular periodic payments essentially an insurance premium. If the third party defaults, the party providing insurance will have to purchase from the insured party the defaulted asset. In turn, the insurer pays the insured the remaining interest on the debt, as well as the principal. During recession, investors should keep some extra money in an interest-bearing money-market account especially if theyre investing money theyll need fairly soon. Matthew Goldstein (2001) also suggested that investors shouldnt expect to get rich off the 4% annual yields offered on most money-mark et accounts but at least theyre guaranteed to make some money. Investors also stash some money in six-month or one-year bank certificates of deposit which on average pay a 2% higher annual yield than a money-market account. For the casual investor who does not have the time or inclination to actively manage his or her own portfolio. Graciela Kaminskyà ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¬Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚   Richard Lyons, Sergio Schmukler (2000) revealed that mutual funds reduce the time and effort needed and stays true even in a recession. The trick is finding mutual funds that do well in tough economic times. Madhu S. Panigrahi (1996), Esme Faerber (1999), Robert Kosowski (2006) Benz Jayma P. (2009) founded that are certain industries that weather recession better than others and the best mutual funds will be sector funds which are based on a specific industry. Industries that do well during economic downturn include utilities and staple consumer goods. Mutual funds in recession-proof s ectors can still be volatile and under-perform if the fund manager buys and sells constantly or the fund charges a high management fee. Review the fee structures for the funds you are considering and choose one with a high historical return and low fee. Other mutual funds that can be considered as recession proof would include money market funds and bond funds. The best way to use mutual funds both before and after a recession is to have a diversified mutual fund portfolio in the first place. Having a constructed portfolio of both stocks and bonds will provide you an opportunity or cushion for participating in stock market growth or markets decline. In conclusion, Warren Buffet (1995), Zvi Bodie Michael J.Clowes (2003), Stormy Brain (2008), Emanuel Balarie (2008) also concluded that recession offers many hidden opportunities and you need to seize them by understanding the basic rules on how to prosper in uncertain times. During this economic crisis, you can make some good long- term investments that will yield you fantastic returns in years to come. However, you should never put all your eggs in the same basket. Diversifying will help to protect your investments and will also give you great returns in good times or bad. Don’t waste time! Our writers will create an original "Study Of Suitable Investments During A Recession Period Finance Essay" essay for you Create order