Impact Of Privatization On Non Performing Loans Finance Essay - Free Essay Example

Sample details Pages: 15 Words: 4602 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Current study describes the effect of privatization on non-performing loans of conventional commercial banks in Pakistan to some extent. Process of privatization started from 1988 due to non-satisfactory performance of banks, as there was lack of lenders plans, weak credit operations, increased loans sizes and many other similar factors. Studies revealed the better performance of private banks as compared to government owned banks. Don’t waste time! Our writers will create an original "Impact Of Privatization On Non Performing Loans Finance Essay" essay for you Create order Most important factor is about handling of non-performing loans which may be through early risk assessment, better law and order situations, regular monitoring and other similar factors. MCB, ABL, UBL and HBL banks were privatized in order to attain efficiencies and all of these banks showed significant improvement after the privatization. Values of non-performing loans is divided in to pre-privatization and post-privatization period and collected from Banking Surveillance Department (BSD) and from the official website of SBP. This thesis is based on the two main things, firstly privatization of government owned banks and Secondly Non-Performing Loans proportion with respect to the effect of privatization. Privatization of government owned banks in Pakistan was the main reason behind the overcome of weak banking sector and as part of this policy, for the very first time in 1991, two governments owned banks of Pakistan Muslim Commercial Bank (MCB) and Allied Bank Limited (ABL) were converted into private entities. The nature of the topic puts on view that that it cannot be studied in artificial environment. The topic has been analyzed in natural environment without any involvement, so the research is more of exploratory research and as well as descriptive. The purpose of the study is Exploratory in nature, as it aimed to collect and create appropriate information related to the topic. The method of conducting this research is based on secondary data. We have adopted the secondary data collection method, for that we have gone through the newspapers, internet, books, magazines, annual reports, articles and different libraries have been investigated. Keywords: Privatization, Pakistani banks, Loans INTRODUCTION Non-performing is: A loan that is not earning income and: (1) full payment of principal and interest is no longer anticipated, (2) principal or interest is 90 days or more delinquent, or (3) the maturity date has passed and payment in full has not been made. Non-Performing Loans or we call it a bad loan has been a big problem for not only developing countries but also for developed countries. Privatization has become an important aspect all over the world especially in developing countries of the world. Privatization is the transfer of ownership of government owned institutions to the private sector. It may be share issue privatization, asset sale privatization, voucher privatization. Many countries have adopted the formula of privatization in order to strengthen the banking performance and until now most of the developed countries have converted their state owned banks to private banks. According to the different studies privatization has played a major role in Banking Sector to develop it in a more efficient manner but issue of Non-Performing Loans is still debatable all over the world, especially in developing countries. Researchers have found that most of the banks were merged or were closed in order to avoid the bankruptcy and main reason which was disclosed was high non performing loans and their high cost. All countries in the world consider banking sector as a backbone of any developed country and to make the financial sector strong and stable, governments involve actively. Pakistani government has also worked actively in making the banking sector efficient and no doubt that after privatization Pakistani banking sector has performed very well in the global market, but the main problem in Pakistan which is still held there, is the problem of Non-Performing Loans.The ongoing Non-Performing Loans has created a complex environment for banking sectors throughout the world but the most affecting one are developing countries whose banking sector has not really showed a vast improvement compare to developed countries. The main problem is the balance sheet which never figures out the true essence of Non-Performing loans. Pakistan Non-Performing Loans might be considered as a problem in the same way but there are so many reasons which compelled Pakistan to revive their banking sector and to exp ose the true picture of Non-Performing Loans. Privatization efforts in Pakistan began in Pakistan in 1988, when the banks were treated as the employment exchanges. Employers were hired on the political bases instead of on the merit bases. More and more branches were opened causing over employment. There were no trained professionals, less customer royalty, budget deficit, foreign debt burden, trade deficit, disequilibrium in the balance of payments, increasing non-performing loans. The performance of Government owned banks were at alarming level, there was lack of the financial disciplines. Privatization has been an important aspect all over the world especially the developing countries of the world like Pakistan. Two banks ABL and MCB were privatized in the decade of 1990 to 2002. A privatization commission was establish in 1991. The main purpose of privatization is to improve the performance of banking sector like asset quality, capital adequacy, earning profitability and liquidity. In 1991 Allied bank and MCB bank were privatized and the ownership of ABL was transferred to consortium comprising Ibrahim Leasing Limited and Ibrahim group. Ownership of MCB was transferred to Nishat Group lead consortium in 1991. HBL was privatized in 2003 when government of Pakistan firmly handover the management control to Agha Khan Fund for Economic Development (AKFED). In 2002 UBL was privatized with the ownership transferred to Best Way Abu Dhabi group. The main purpose of our study is to check the impact of privatization on non-performing loans of banks in Pakistan. Non-performing loan is the defaulted loan which is the sum of borrowed money upon which the debtor has not made the scheduled payment for at least 90 days. Non-performing loan is either default or closed to being in default. If debtor starts making payment again on a non-performing loan, it becomes a re-performing loan even if the debtor has not caught up on all the missed payments. When loan goes default maximum three months then that loan is consider to be a non-performing loan. Non-performing loans are classified by State bank of Pakistan into different categories according to their recovery. If the amount received is less than 75% of receivable and overdue by more than 180 days, it treated under the head of Other Assets specially mentioned. If the amount recovered is less than 60% and over due by more than 1 year is treated as substandard. If the amount recovered is less than 10% and overdue by more than 2 years is treated as doubtful. Similarly if the amount recovered is less than 2% and overdue by more than 3 years, treated as loss. The main reasons behind the occurrence of non-performing loans are due to the lenders lack plan to deal with risk, reduced intention to borrowers, moving along with the risk curve, weak credit operations, increased loan size increased the risk. In 1980 Italian market faced an increase in the non-performing loans due to high speculation in real estate market. The investors were more interested to invest their money in real estate markets as the economic condition of Italian markets at that time was so good. Investors were taking more and more loans from banks to earn from speculated prices in real estate markets but as the bubble of speculation burst in real estate, the investors faced a huge loss and become unable to pay back the loan to banks. The percentage of non-performing loans in Italy was contributed by real estate. Another reason of increase in non-performing loans in Italian markets was the poor policies of loans recovery. The government laws contradicted the banking policie s for loans recovery. The banker borrower relationships also contributed to increase in non-performing loans. This relationship weakened the credit control policies, as there was no detailed investigation process before the sanction of loans. The same problem was observed in Swedish financial markets where the non-performing loans caused the financial crises. They were focusing only on increasing the loan volumes and did not pay attention to cash flow processes. Our study is based on the four banks which were privatized in Pakistan and aimed to observe whether the privatization has reduced the amount of non-performing loans or not. SCOPE Paper focus on four Banks. SIGNIFICANCE There is a significant impact of privatization on the non-performing loans as the privatization has reduced the value of non-performing loans. There are many other factors along with privatization that positively impacted on banking performance in Pakistan. LITERATURE REVIEW Privatization is considered to be a tool to improve the values of non-performing loans of banks. Caribean development and cooperation committee (2001) conducted a study to observe the impact of privatization on the banking sector in Caribean. A significant improvement in the performance of banks was observed. Innovations, services and increased growth in the broad money to GDP was seen but it also increased the operating cost and interest rate spread. Megginson,W.L (2003) compared the performance of state owned banks with the private banks and found a significant difference in the performance of private owned banks. The empirical evidences showed that the state owned banks are less efficient than the private owned banks. Hussain,I (2004) observed that improvement can be achieved by privatizing the banks to some private investor instead of employees of that bank, as in the case of Allied Bank Limited whos ownership was transferred to its employees but it was a bad experience as the post-privatization performance was less than pre-privatization performance. Instead of this MCBs ownership was transferred to a group of private strategic investor that results in an efficient way. One study conducted by Jessica and Isac (2004) on the market of Italy and Sweeden and described the two ways for securing non-performing loans in small markets like Sweeden, it is better to handle bybanks himself, while in vast markets like Italy, the auction in public to asset management companies (AMCs) is better. After further investigation it was seen that historic actions of government, credit culture and management decisions crucially caused the spread of non-performing loans. Both methods of handling non-performing loans are important and they are to be used according to specific national conditions. Bonin, J.P, Hassan, I Wachtel, P (2005) studied the comparison of foreign-owned banks and government-owned banks in six relatively advanced countries, Bulgaria, the Czech Republic, Croatia, Hungary, Poland and Romania. It was found the foreign-owned banks more efficient than government-owned banks. Two important factors that affect the efficiency of banks are the timing of privatization and the methods of privatization. Beck, T, Cull, R Jerome, A (2005) the Nigerian banks performance for the period of 1990-2001 was observed to know the effect of privatization. The banks that were privatized showed improved performance while the government owned banks were in bad condition. Islam, S, M (2005) conducted a study to find the causes and consequences of non-performing loans and described that non-performing loan cannot be avoided but can handle in a wise able way. Loans are defaulted due to poor plans to deal with risk, reduce attentions to borrowers, moving along the risk curve and lack of good models. The non-performing loans can be recovered timely by early risk assessments, motivation, and law and order situation, helped from recovery agency, reducing relaxation, developing situation specific models, real time training, regular monitoring and trade off. Khalid, U (2006) the impact of privatization and liberalization was observed which showed an improvement in the banking indicators of Pakistan. Khan, B (2006) Pre and Post privatization impact was observed on banks in Pakistan. It was concluded that there was a significant improvement in liquidity ratios, profitability, deposits and non-performing loans after privatization. Umer (2006) used CAMELS framework of financial indicators to describe the effect of privatization and liberalization on the performance of banking sector of Pakistan. Privatization resulted in improved most of financial indicators in particular the performance of privatized banks has been less than satisfactory mainly due to poor showing of ABL whose ownership was transferred to its employees group. Imran and Tariq (2009) did a secondary data based result to see whether the privatization reduced the proportion of non-performing loans and increased the performance of banks or not. They studied the period of 1990 to 2004 during which MCB and ABL were privatized under the artificial environment, exploratory as well descriptive research was done by the use of SPSS software and found a positive impact of privatization on non-performing loans and improved performance. Takashi observed the Japans experience of non-performing loans, that how they affect the real economy. A relationship between the increase in non-performing loans and effects on economy was considered. They concluded the two main reasons of increase in non-performing loans i.e. the collapse of land prices, credit crunch and forbearance lending. It affected the economy indicators to fall below. Bakhtiar studied the two banks MCB and ABL to understand the impact of privatization on the banking sector Pakistan. The privatization effected on the efficiency, economy, employment, new product services and also effected legal environment. Improvement in liquidity ratios, deposits, profitability, new products and services showed the improved efficiency of banking sector, mobilization of savings increased loans, advances and investment showed improved economy. The impact was also observed on employees as salary and remuneration increased number of employees decreased but not at the alarming level. After studying the impact of privatization on economy, banking sector and effect on non-performing loans by using different models and techniques i.e CAMELS or CLSA, an effort is made to observe the impact of privatization on the non-performing loans of banks in Pakistan. PRIVATIZATION OF BANKS In 1977 it was observed that the economic situation of many industries especially banks is not satisfactory and they are suffering loss. There was lack of decision making, efficiency and investmentwas also limited. In order to overcome this situation the government of Pakistan has decided to privatize the banks. The study is based on the privatization of four banks i.e. Allied bank Limited, United bank Limited, MCB, and Habib bank Limited before and after privatization. Muslim Commercial Bank Limited (MCB) The bank has more than 60 years of experience as a leading bank in Pakistan. It was incorporated by Adamjee group on july9, 1947. The bank received prestigious recognition and award by Euro money, MMT, Asia Money, SAFA (SAARC), The Assets and the Asian Banker. Pre-Privatization Before the privatization the non-performing loans and other indicators of MCB showed that in the period of 1980-1990 the non-performing loans were in the range of 25% to 18%. The percentage of income to assets was 0.381. MCB was performing only traditional services like deposits mobilization and credit extension, project financing of industries. There were no services like personal financings, credit cards, ATM, online banking, phone banking and even housing finances. Privatization MCB was privatized on 6 April, 1991 with 26% share sold to national group at price of Rs.56 per share that amounts for total Rs.2.4 billion. There was a sales agreement between government of Pakistan and national group. According to that agreement further 25% shares were offered for subscription to public on Feb 19, 1992. Post-Privatization The growth of MCB after privatization can be observed by some indicators as total assets of MCB which were 18% in 1994 increased to 28% in 2003. A 10% increase in upward trend was seen. Total deposits were 17.6 in 1994 and grew to 26.5% in 2003 thus 9% increase in upward trend. Total advances in 1990 were 17.7% which increased to 26.7% in 2003. Non-performing loans to total loans percentage was 18.6% in 1993 which decreased to 11% in 2004 which is a great improvement in recovery of loans. Earning assets to total assets percentage for five years average is 81.20% which is higher than industry average. Allied Bank Limited (ABL) Allied Bank was the first Muslim bank which established in Pakistan as the Australian bank in Lahore with a paid up share capital of Rs.0.12 Million under the chairman ship of Khuwaja Bashir Bux. ABL has a history of more than sixty years of banking operation and having750 branches. Allied bank is leading the industry with the largest network of ATMs countrywide. Pre-Privatization As ABL was the only Muslim bank and formed on Aug 14, 1947, it faced many riots in East Punjab. Many of its branches in India were closed down and new branches in Karachi, Rawalpindi, Peshawar, Sialkot, Sargodha, Jhang, Gujranwala and Kasur. In 1974 the bank was renamed Allied Bank Limited due to the resolution of Board of directors of Australasia Bank. The profit in the first year exceeds Rs.10 Million. Deposits increased by 50% and reached Rs.1460 Million. Investment increased by 72% and advances exceeds Rs.1080 million and it was for the first time in the history of bank. The seventeen years of the Bank saw a rapid growth. Branches increased from 353 in 1974 to 748 in 1991. Deposits rose from Rs.1.46 billion, and Advances and investments from Rs.1.34 billion to Rs.22 billion during this period. It also opened three branches in the UK. Privatization After MCB, Allied Bank was the second bank in the public sector to be privatized. In September 1991 ABL was privatized through an Employee Stock Ownership Plan (ESOP). On September 9, 1991, 26% shares were sold to the Allied Management Group, which represented the employees of ABL at a price of Rs.70 per share. On August 23, 1993, another 25% shares were sold to AMG at a price ofRs.70 per share. This resulted in transfer of ownership from the Government of Pakistan to AMG so the ownership transfer from public to private. Post-Privatization After privatization, Allied Bank registered an unprecedented growth to become one of the premier financial institutions of Pakistan. Allied Banks capital and reserves were Rs.1.525 Billion and assets amounted to Rs.87.536 Billion and deposits were Rs.76.038 Billion. Allied Bank enjoyed an enviable position in the financial sector of Pakistan and was recognized as one of the best amongst the major banks of the country. In 1999, it transpired that one of ABLs major defaulters had purchased about 35-40% of ABL shares from employees but in July 1999, the State Bank imposed restrictions on the transfer of shares from employees to non-employees. On August 3, 2001, the SBP removed the Chairman and three Directors from the Board of ABL, who were also employees of ABL, as they were found to be working against the interests of ABL and its depositors and appointed a new Board to look after the affairs of the bank. In April 2003 the State Bank initiated the process of reconstruction of the bank and transfer of its ownership to one of the existing financial institutions in the private sector that will acquire strategic shareholding. In August 2004 as a result of capital reconstruction, the Banks ownership was transferred to a consortium comprising Ibrahim Leasing Limited and Ibrahim Group. United Bank Limited (UBL) Retail Banking and related services domestically and overseas. A professional team was appointed in the mid of 1997 for the purpose of restructure the bank and to commence rightsizing. The management is also in the process of rationalizing the branch network and identifying and recovering the doubtful and classified portfolio. It has planned to institute major improvements in customer services and internal UBL formed in 1959 and now one of the major banks in Pakistan in terms of deposits and advances with a huge domestic and international network. UBL is a Banking Company, which is engaged in Commercial systems to improve efficiency of bank. It also intends to launch innovative products. The bank is increasing resource mobilization through regular deposit campaigns and accelerating the process of recovery of outstanding advances and non-performing assets. Pre-privatization Tracking the history backward, after it was proposed that UBL privatized has recorded the heaviest fall in profitability in 1994. The pretax profit reduced from Rs.275 million in 1993 to Rs.59 million in 1994 an alarming decline of 79%. Since nationalization, around two decades ago, successive governments appointed management had doled out around Rs.17 billion (25% of all advances) worth of non-recoverable loans in the form of politically influenced advances. This is essentially Rs.17 billion of depositors funds given out to favorites who are now either unwilling or unable to pay them back. The bank, as a result, is now being run with an estimated negative net worth of more than Rs.12 billion The Banks 28 foreign branches were profitable but a large number of its local branches continue to incur heavy losses. On top of it the influence of Union and political pressures, to the level of rendering the management helpless, has resulted in 40% of its loans being termed non-performing. Th e bank was also suffering a surplus staff of nearly eight thousand in its total strength of 22,500, whose future hangs in uncertainty. Besides over-staffing the bank also suffers from non-professionalism, deliberate violation of rules, wasteful expenditures and lack of accountability. Privatization In 2002, the Government of Pakistan sold it in an open auction to a consortium of Abu Dhabi Group and Best way Group. Abu Dhabi Group has given Rs.12.3 billion each acquiring 25.5% shares and management control in the bank. In 2002 the bank merged its operations in the UK with those belonging to National Bank of Pakistan to form United National Bank Limited. United Bank owns 55% of the joint-venture and National Bank of Pakistan owning the remainder. Post-Privatization The performance of bank after the privatization improved as many banking indicators are showing. The Paid-up capital of United Bank Limited was increased by way of bonus during 2006, deposit base increased by 16% and that was Rs.335.1 billion. Due to the international growth of bank almost 19%of total deposits base is mobilized from the overseas branches and it contributed almost 52% of total growth in 2006. Net advances increased from Rs.204.b billion to Rs.247.3 billion during 2006 both the corporate and consumer lending contributed to the growth achieved during 2006. Although there has been growth in NPLs overall portfolio quality indicators have improved with net infection reducing to 1.1%. UBL has also grown to the international markets as 15 branches are created in various foreign countries. Profit before tax from these international operations increased by 31% to Rs.2.48 billion during 2006. Total assets of UBL also increased by 22% that is Rs.423.3 billion in 2006 from Rs.347 .1 billion at the end of previous year. Habib Bank Limited (HBL) Habib bank limited is the first commercial bank that was formed in 1947. It remained a successful bank in Pakistan and it was ranked as a largest private bank in Pakistan with 1450 branches across the nation. HBL is enjoy a good ranking for long term as well as for short term i.e. AA for long term and A1+ for short term.. Habib bank Limited was nationalized in Zulfiqar Ali Bhutto regime and after that the performance showed a positive indicator. The commercial banking market share reached to 55% by inward remittances and also the loan scheme for farmers and small businesses. It that times the profit of HBL was doubled from all other commercial banks like MCB, ABL, NBP and UBL. Pre-Privatization Habib bank was enjoying a good performance after its nationalization. In in the regime of Ayub Khan a new scheme for loans was introduced whose purpose was to boost the agriculture sector. That scheme was named Green revolution. In the government of Junejo a new strategy was formulated in order to cut down the expenses and for the profit maximization and that strategy provided fruitful results. In the government of Shoukat Aziz, another strategy was formulated which aimed to retire old employees by golden shake hand packages and to hire young, and energetic employees to gain the efficiency in workings. It boosts the bank performance as bank was enjoying huge profits, huge salary increment, bonuses and other compensative incentives. Privatization Privatization of HBL was done by Dr. Abdul Hafiz on 29th Dec 2003 and as a result of that biding the management was given to Agha Khan Funds for Economic Development by 51% shares for Rs.22.409billion. Post-Privatization A significant improvement in the performance of bank was seen. The management of the bank was handed over to chairman of the bank. HBL first time introduced the concept of corporate governance as per SBPs requirement due to which only the CEO was the executive body of the bank. It was decided to have meeting of board after every 3 months. If we observe the financial indicator of the bank after privatization, the impact of privatization can be viewed. The total deposits of the bank increased by 12% during the years of 2003-2004. The total assets also increased which reduces the risk of liquidity. Loan and advances grown by 41% and liquid assets were decreased which were due to the investments in different portfolios and it was resulted by the decrease in the non-performing loans. The net income also increased by 10%. Total expenditure of the bank was increased by 42 % which was the result of increase in deposits. The non-performing loans were decreased by 56%. Almost 46 branches were closed that were non-profitable. GRAPHICAL ANALYSIS Muslim Commercial Bank Limited The PR-P line is representing the pre-privatization non-performing loans of MCB Bank. In 1988 the non-performing loans reached to 29% which was very high and it may be due to the placement of new government. PO-P line is representing the non-performing loans after the privatization. During 2004 to 2008 NPLs reduced to one digit figure this was the period of new government of Parvez Musharaf. This was the booming period of economy. MCB has also been awarded as a Euro money Award 2008 for the Best Bank in Asia but unfortunately NPLs again begins to rise in 2010 because of the political crises. Figure 1: Muslim Commercial Bank Limited Allied Bank Limited In 1981-84 board of directors of bank was dissolved and new management took over the bank so there we find a large figure of NPLs. In the starting period after privatization in NPLs were increasing continuously till 2003 because of the continuous change in management and policies of banks. Bank saw a rapid growth in 2007-2010 as well as saw a decline in NPLs. Figure 2: Allied Bank Limited United Bank Limited In 1998 due to influence of union and political pressure, the management became helpless which results the 40% increment in NPLs. During 2001 the Bank merged their operations with National bank of Pakistan in UK which made decrease in NPLs. After privatization NPLs shows one digit figures because of his rapid growth in banking sector. Figure 3: United Bank Limited Habib Bank Limited HBL had a problem of over staffing which shrinkage the profits. During pre-privatization period HBL was highly influenced by the government policies which cause the lack of consistency. After privatization HBL had considerable growth. They changed their management style from traditional to corporate. On the other hand, the provisions provided by HBL to its NPLs are decreased by 56% as compare to pre-privatization period. Figure 4: Habib Bank Limited CONCLUSION From the graphical analysis it has been cleared that there is a significant impact of privatization on the non-performing loans as the privatization has reduced the value of non-performing loans. The most important is the Banking Reform by State Bank of Pakistan. From 1990s the effort was started to improve the banking performances, also with the non-performing aspect. A number of reforms were introduced for the restructuring regulations and policies. Due to banking reform, Corporate governance standards were first time introduced, risk assessment and loan portfolio management, supervision and improvement in credit decision by removing political influence was done. Human resource recruitments at all levels were made on merit. Information technology was improved to introduce e-banking. Almost 75% of banking employees and 90% of banking customers represented that these banking reforms has positively effected on the performance of banks. And only 20% banking employees, 4% banking custom ers showed dissatisfaction as it has increased the cost too. Minimum capital requirement was also set up in these reforms that are Rs.1.0billion to Rs.2.0billion. So, there are many other factors along with privatization that positively impacted on banking performance in Pakistan.

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The Education of Special Needs in Public, Private, and Charter Schools Jerissa R. Gregory Liberty University Abstract Education is important to all children, but teaching children with special needs entails the educator to examine and assess the social, behavior, intellectual and academic deficits of the student and devise an instructional plan that will support their excellence in these areas. Teaching in a classroom with children who have disabilities pertains to various teaching methods that insist the teacher individualize lessons to achieve academic excellence in students. We will examine to special education requirements in public, private and charter schools. Many inclusion classrooms have the necessary support which include services and accommodations to establish a learning environment conducive to the students learning abilities. 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Since more children qualify for special education, professionals and parents need training and guidance on meeting the needs of those students. In Ireland, there is a challenge in finding the best comprehensiveRead MoreSpecial Education For Special Needs1336 Words   |  6 PagesS pecial education can become very costly even up to four times more than ordianry education. Many tools are needed such as speech pathologists, phychologists and teachers, and sometimes speech facilities and equipment Many schools feel they are not suited to work with the students therefore they are hesitant to take on the challenge. However, many parent’s opinions on special ed learning shows that they favor it over home schooling and other options. There are many different choices for parentsRead MoreSpecial Needs For Special Education951 Words   |  4 Pagesthe total number of students with special needs in the United States has grown from 1990 through 2005. Studies from the Individuals with Disabilities Education Act (IDEA) show that there are 4.8 million children enrolled in public schools who received special education between the ages of 3-21. The studies show that in 1990 the percent of children receiving special education in the school was 11 percent, while in 2 005 the amount of students receiving special education grew to 14 percent. Actual studiesRead MoreSpecial Education Needs3359 Words   |  14 Pagesmeant by the term special educational needs; then I will talk about the history of my chosen topic which is autism; when it was diagnosed, who diagnosed it, how labelling can affect a child suffering from autism, and what treatments are available to assist autistic people in leading some-what normal lives. I will also write about the medical and social model, what they are and how they relate to SEN, I will then write about the SEN Code of Practice and special educational needs coordinators and touchRead MoreFunding For Special Needs Education946 Words   |  4 Pageseven a person at school with learning disabilities? What if I told you, the help that person need to learn better and assist them with their disabilities would be taken away from them. Around the country budgets cut have been made, especially harming the programs for spe cial needs students. The total amount that has been cut cross nation from this program, is ridiculous, $578,892,762 (www.special-education-degree.net). Here in Illinois, we have been one of the states that s been most struck by thisRead MoreChildren with Special Needs in Education1079 Words   |  4 PagesSpecial (adj.): better, greater, or otherwise different from what is usual. Children with special needs have some form of disability whether that be a learning, behavioral, physical, or emotional disability. These children need certain accommodations to help them reach their academic and social goals in school. There are many different types of disabilities, Dyslexia, Attention Deficit Hyperactive Disorder, Mental retardation, Autism Spectrum Disorders, and each one has a completely different effectRead MoreThe Effects Of Special Education On Special Needs Students1505 Words   |  7 Pagesand policies related to special needs students are set in place to assist in providing an appropriate education in the most least restrictive environment possible for special needs students. A Law is defined as a rule that is created by the government of a town, state or country. A law is created in hopes of settling a cause. Within the past 25 years laws pertaining to Special Education have evolved for the better of special needs students around the countryRead MoreThe Role Of Special Education For Children With Special Needs1289 Words   |  6 Pageschildren with special needs may experience good mental health in supportive environments that support their strengths. I believe that children beneï ¬ t from having positive relationships and feel a sense of belonging at school. These positive experiences are important for children with special needs. Like all teachers, special education teachers must be organized, patient and able to motivate students. Since they work with students who have one or more disabilities, special education teachers mustRead MoreSpecial Needs Children and the Special Education Program Controversy1409 Words   |  6 PagesSpecial education is such a broad and sensitive topic to talk about as well as the several issues that come with the Special education topic. And although there are a variety of issues, such as: special education children being accepted, segregated from their peers, the financial ability to support many special education programs, and the fact that a lot of teachers are not properly certified and do not know how to handle special needs children; there are also many resolutions. Special educationRead MoreEssay about Special Needs Education999 Words   |  4 Pageschild with mental retardation. Schooling for the disabled requires a special environment—one that only a few teachers have the gift to care for. Instead of looking out for the child’s needs, the government is focused on passing test grades and social skills. Mentally retarded children require a highly trained special education teacher, patience for behavioral issues, and are also required to pass standardized tests; public education for these students move at a faster pace than they can comprehend and

Block Calls from Unwanted Phone Number free essay sample

Even though mobile phones offer great convenience and is becoming a necessity for everyone, it also come with certain inconveniences because of unwanted calls. These unwanted calls mostly are telemarketing calls and can cause great nuisances while you are at work or when you are busy with something at home. If you really want to put an end to such calls, you can do so by various ways. Do not Call Registry: Registering here is one of the effective ways to stop such calls. There is a National do not call registry in most of the countries and by registering your mobile number there, you can stop any unsolicited commercial communication in the form of phone calls or message. Telemarketer is supposed to verify in the do not call registry database before making any telemarketing call to make sure they are not calling someone who have registered to avoid penalties. Register through Service Provider: This facility is offered by the service providers such as Airtel, Vodafone, etc. We will write a custom essay sample on Block Calls from Unwanted Phone Number or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page You can either opt for total block of commercial calls or partial block as you choose. You can make the registration through SMS or can also do online registration. Handset Specific Options: There are also handset specific options provided by most of the makers such as Nokia, Samsung, Sony-Ericsson, LG, Android, iPhone, Blackberry, etc. Do these steps and add the unwanted numbers In Sony Ericcson, Settings Calls Manage Calls Accept Calls Only from list, press ‘Edit’ to choose the numbers. In Nokia,

Multicultural Competency in Psychology

Introduction There is a great diversity in the field of culture. Culture covers aspects like race, gender, language, values and beliefs and is developed from a combination of individual uniqueness and organizational or environment characteristics. Different people and communities have different cultural values and beliefs in regard to daily life.Advertising We will write a custom research paper sample on Multicultural Competency in Psychology specifically for you for only $16.05 $11/page Learn More It is usually a hard task to understand and accept different cultures and people find themselves perceiving their own culture as the best compared to the other cultures and in most cases tend to treat communities with different cultures negatively. People find themselves discriminating others on the grounds of religion, ethnicity, language, physical location, sexual relations, educational background etc. Multicultural competency is an aspect that tries to coun ter the cultural differences issues by teaching on the spirit of appreciating other cultures irrespective of the differences that prevail. Multicultural Competency in Psychology It is natural to develop strong personal ethnicity and identity as one grows from childhood to adulthood. Although this is inevitable, it is usually good to learn and appreciate others by developing an inclusive identity and perception. Psychologists are faced with the problem of cultural differences since they deal with a wide variety of people each with different ways of life. The psychologist should be able to learn and understand the minds of people and try to identify where people behave the way they do as the job requires. A psychologist should be cautious and sensitive in his or her practice with an understanding that there are differences in the ways of life of people and hence they should be treated differently to avoid offending them. The American Psychological Association (APA) has set guidelines on how the psychologists and other related professionals should carry out their duties in regard to multicultural issues. The principles stresses that psychologists should at all times act as leaders of social justice and foster fairness by avoiding discrimination of any kind (Constantine and Derald, 2005). Biases, Perceptions, Attitudes, and Beliefs towards Culturally Different Groups Apart from the fact that psychologists have undergone training on their career aspects they are faced with the problem of cultural differences in their practices. As a psychologist I am bound to have biases, attitude, and beliefs towards people of different cultures. This is because I have my individuality and may find myself treating people of a different cultural background differently.Advertising Looking for research paper on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More For example I may be biased on the basis of race where I may treat the whi tes different from the blacks. I may also find myself discriminating on the basis of language by treating those that we share common language features better than those whose languages are quite different due to the ease of communication between us. Another cultural issue that would put me into a dilemma is the gender as I tend to perceive women as weak species and hence would treat them with much sensitivity and care than men with the same problem. Religion is another area of concern. I would tend to have biases between Christians and Muslims as I know much on Christianity than I do on the Muslim religion. Influence of Attitudes or Perceptions on Interaction with Individuals Who Are Culturally Different Attitudes or perceptions have great influence on how one interacts with people of different cultures. A psychologist should try as much as possible to be objective in his or her practices. I would find myself interacting well and comfortably with those whose culture are same or simi lar to mine due to the similarities in beliefs and other aspects of life. It becomes quite hard to interact with people for example with whom you don’t share a common language since foreign languages are not usually easy and some aspects are better explained using a certain language, for instance, mother tongue or national language. Knowledge on the Values, Practices, and Experiences of Individuals Who Are Culturally Different It is always a good idea to have some understanding of different beliefs and practices of various cultures to ease in interaction and handling of various aspects of life. The knowledge of different cultures helps psychologists understand their roles and be more sensitive on multicultural issues. Good knowledge of cultural differences avoids the mistake of assumption of issues due to ignorance and hence treating a person or a situation differently. I do have some knowledge though not much on values and practices of different cultures, for instance, I und erstand the differences between Islamic and Christian communities, such as, on the way women are treated and the powers they are given. Strengths and Weaknesses in Interacting With Culturally Different Individuals, And Ways of Addressing the Shortcomings I consider my ability to learn about other cultures easily as strength. Learning of other cultures helps understand why people behave the way they do making coping with their behavior easy. It also help understand the origin of problems people suffer and help solve them rightfully since some of them are as a result of their social environments and their perceptions of aspects.Advertising We will write a custom research paper sample on Multicultural Competency in Psychology specifically for you for only $16.05 $11/page Learn More My weakness is ignorance of certain aspects of other cultures. One way of overcoming my shortcoming is by identifying my personal biases and looking for ways to change from with in myself, accepting the diversity of culture and the fact that we can never be one. This will improve interaction and treatment given to others irrespective of their cultural differences. It will also be my responsibility to try and be flexible and willing to integrate with diverse cultures through commitment and hard work in learning the values, behaviors, and languages of various communities to ease interaction. It is also advisable to identify and acquire knowledge on various ethnic groups and races. As a psychologist one should adhere to the code of ethics that govern the profession especially in counseling to ensure that there is no discrimination on cultural differences or other factors (Corey, Corey, and Callan, 2007). Reference List Constantine, G.M. and Derald, S.W. (2005). Strategies for Building Multicultural Competence in Mental Health and Educational Settings. New Jersey: John Wiley and Sons. Corey, G., Corey, M.S. and Callan, P. (2007). Issues and Ethics in the Helpin g Professions, 7th ed. USA: Cengage Learning. This research paper on Multicultural Competency in Psychology was written and submitted by user Emilia Z. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Evolution of Formal Organizations

Evolution of Formal Organizations Free Online Research Papers For many centuries, formal organizations, employers and employees have been taught to operate the same. However many things have changed from the type of jobs and organizations, to how these jobs were completed. For centuries most formal organizations operated under what we call conventional bureaucracy. Conventional bureaucracy is known for its many levels in what we see as the pyramid. The pyramid starting with some higher ranked employees that have more authority down to the hard working rank and file workers, with no say so or authority at all. There were many challenges that these organizations faced. Hard work has always been appreciated throughout the years with these organizations. Past years work was completed with back-breaking labor and now with the advancement of modern technology most but not all work has been replaced with technology devices and more creativity. Unlike family traditions that are learned from generation to generation, how we operate our organizations these days and in our future will be nothing like the way our ancestors had to work. Like previously stated with the modern day technology advancements that we are witnessing, things have become much easier for us, than in past times. At that time the way these organizations attended to their jobs was the same form generation to generation. The work was done but with no change or new creative ideas, these employees felt they were at a dead end job. In the past there were many things that they lacked, that now are beneficial and a must have for formal organizations to operate more efficiently these days. Something that these past generations lacked that is very important to most peoples every day lives today is the technology we have access to on a daily basis. This day in age formal organizations are able to keep records via data bases, as computers and technical devices have been invented. Formal organizations that have to interact with clients, customers and other organizations now have the access to interact via satellite and conference calls as to the past these interactions would have been made face to face with more expenses. As air fare, hotel lodging and the time one would have to invest would be a must and could be rather expensive. Another limitation that these companies faced was the fact that tradition is strong in pre-industrial societies. This meant that their goal was to preserve their cultural systems and not to change them when it came to organizational issues. Many of these reasons have caused past organizations to be inefficient. Formal organizations that practice conventional bureaucracy have many levels of authority with a clear chain of commands. Each level has a title and they have certain expectations they have to uphold for the organization. Each employee has a specific job that they are to perform and a manager or supervisor they will have to report to. These organizations have set standards, rules, policies and regulations that they have follow. These rules and regulations are what kept these organizations some what organized. Relationships within these organizations are very minimal to none. The communications between employees at these types of organizations are usually through an email or a letter of some sort. Bureaucracy is defined as an organizational model rationally designed to perform tasks efficiently. Employees work hard to meet and exceed specific goals of their job requirements. They have to report to specific managers or superiors. This is how things were done with little to no change. During the century of the 1900’s you would usually see white males in management or positions with more authority. In this day in age you will find equal amounts of managers both men and women. Now days there are laws that refrain employers and organizations from discriminating on gender and race. As stated before many things have changed, instead of using each employee’s talents individually, organizations use creativity and strengths to see if there is a better way of getting the job done as in previous times things were repetitive wit no creativity. Like the saying something carved in stone. If an employee has a suggestion on how to better the organization and its employees they wi ll usually take into consideration the options. Many organizations are about their employees and the company, not just the company. Organizations want to find workers for the long run, not to just fill a responsibility. They value the opinions of their employees. Not only is organization a top priority so are the employees. This new type of work that many organizations are adapting to is called an open, flexible organization. The open flexible organization has flattened out the bureaucracy pyramid. This gives most of the employees in the organization the same responsibilities and the same rewards. Instead the many different levels, they are on a more even level with each other. With these new modern work environments employees are able to more creative; they are using greater flexibility competitive teams, working together for the same goal. Organizations are now hiring new employees based off ideas they have and the potential to grow with the organization instead of hiring someone for the work they are able to perform. Organizations today want an employee for a lifetime not for the time being. These new ways of our organizations want to invest the their employee, because they know they deserve nothing less. In the past organizations would have specific rules and policies, with the new modern ways of o rganizations they set guidelines for all to follow. Communication has come a long way as well. They tend to hold meetings for all to attend including all employees instead of just the Directors and CEO making decisions and because of this relationship have become primary as in the past they have always been secondary. Not all organizations will be accustomed to the new open, flexible organizations. Telemarketing companies and fast food chains will still remain with the bureaucracy pyramid. There jobs will remain repetitive doing the same things day in and day out. There is not much more creative you can be in making a cheeseburger and fries. They will always have a superior to answer to, trying to make it to the top of the pyramid. In conclusion, all employee and organizations should want to see the same goal in mind. These organization need to have the employee and organization best interest. They have to be able to hear the people and take into consideration the feelings and creative ideas that all have to offer. I personally feel that it will be more black and white. Some organizations will flatten the pyramid and work as a whole and there will be some organizations that continue with the pyramid roles. Nothing should be set in stone. Change is good. Change brings balance. Research Papers on Evolution of Formal OrganizationsThe Project Managment Office SystemPETSTEL analysis of IndiaOpen Architechture a white paperTwilight of the UAWAssess the importance of Nationalism 1815-1850 EuropeMarketing of Lifeboy Soap A Unilever ProductThe Effects of Illegal ImmigrationIncorporating Risk and Uncertainty Factor in CapitalRelationship between Media Coverage and Social andBionic Assembly System: A New Concept of Self Evolution of Formal Organizations Free Online Research Papers In this day and age, everything is changing; from the jobs that we do, to the way that we do them. For centuries we, and our ancestors, have worked in formal organizations that practice bureaucracy. Bureaucratic organizations have been used to complete some of the worlds most major projects. However, times are changing, and so are our work methods. Today, hard work and organization is still appreciated, just in different forms. Back-breaking labor has been replaced with technology and creativity. Traditions of work that have been passed down by generations are no more. Today, the world thinks rationally. Instead of doing what has always been done, we are now finding a more efficient, quicker way to do it. In the past, formal organizations were based on tradition. Workers completed their work in the same fashion as past generations. This caused companies to be inefficient because their work methods were not modern, everything stayed the same and nothing improved. Also, previous organizations lacked technology. There was no such thing as networking, or conference calls. People met face to face, this could be very expensive if clients were in separate countries. There was no way to store and keep information, this also caused companies to be inefficient. Formal organizations usually have set standards for how they run their business. Rules and regulations are key to an organized environment. A bureaucratic organization usually runs in the form of a pyramid. In this format, every person will always have a supervisor to answer to. The few number of supervisors are located at the top of the pyramid, while the employees are located at the bottom. This pyramid gives structure to an organization. Every person has a job, and are expected to carry out the job to its full expectations. Relationships between co-workers are kept to a minimal. This is to minimize emotion and maximize work. The majority of communication is done via e-mail, telephone, or letters. Everything within a bureaucratic organization is clearly defined with no room for interpretation. This ideal definition of a bureaucratic organization has been tried throughout the years. This is the way that work has aways been done. Employees work hard toward their specified goal, and answer to their superiors at the end of the day. However, as stated before, time are changing. In the early 1900s it was not common to hire anyone besides a white male. And in the workplace, every person had his own job that he was responsible for. Today, companies hire men and women of all races. The theory today, is to take advantage of every individuals talents. Also, cooperation amongst all employees is valued. Instead of using each individual for his or her own talent, companies today are putting teams together to come up with the best possible solutions and work methods. Instead of single man labor, we are now practicing group effort. Large businesses are taking advantage of their employees thoughts and ideas. Creativity is becoming just as important as organization. This new work method has come to be called an open, flexible organization. The bureaucratic pyramid has been flattened to put everyone on a more even scale. Creative freedom, competitive work teams, and flexibility are the new standards for the modern work environment. The characteristics of a large organization are now be converted to represent those of a small group. These changes include, instead of every member having a specialized task, the whole group has a common goal in which they are working towards. Instead of specific rules, informal, general guidelines are established. Instead of hiring people for the work that they can do, people are being hired for the ideas that they come up with. Quick e-mails are being replaced by group meetings. Because of the group setting, relationships in the office are becoming primary rather than secondary. People care about what the other has to say, and instead of viewing each other as competitors, they are viewing each other as colleagues. B ecause each person has their own part to add to the group. These new work methods do not apply to everyone. Highly skilled and trained employees are reaping the benefits of a new wave of creative freedom. However, lower level employees are not. They in fact, are actually working harder than ever. The bureaucratic way of work is still in place for them. They continue to have supervisors way above them, while they remain on the bottom. Fast food chains, retail stores, telemarketing are all fields that are growing as well. Unfortunately, selling hamburgers has no room for creative thought. That is why people are still suffering from bureaucratic organizations. In the future, I believe that it will be black and white. On one end, there will be lower class workers doing the dirty work in a conventional bureaucracy. On the other end, there will be the open flexible organizations where workers have creative freedom, and a friendly atmosphere. I believe that the there is a big difference between the two types of jobs. Certain jobs have responsibilities that must be met by a certain deadline. For instance, a stock boy must have a set amount of merchandise stocked on the shelves by a certain time of day. At the end of the day, he must answer to a supervisor to let them know that his goal was accomplished. In this scenario, there is no room for interpretation there is only one way to stock merchandise. However, on the other hand, a systems developer at a computer company may have weeks to meet deadlines. A new system may need to be planned and they have an abundant amount of time to plan the system efficiently, and work in a team to combine ideas . Although this job has a goal and a deadline, there are numerous amounts of ways that the employee can go about solving the problem. The type of work environment, depends on the type of job that is being done. Research Papers on Evolution of Formal OrganizationsIncorporating Risk and Uncertainty Factor in CapitalThe Project Managment Office SystemMarketing of Lifeboy Soap A Unilever ProductTwilight of the UAWPETSTEL analysis of IndiaResearch Process Part OneAnalysis of Ebay Expanding into AsiaOpen Architechture a white paperPersonal Experience with Teen PregnancyAssess the importance of Nationalism 1815-1850 Europe Evolution of Formal Organizations Free Online Research Papers Over the course of the last 100 years, the overall trend in thinking about organizational form and structure has been toward greater recognition, system complexity, and diversity. While the overall trend in thinking about organizational and management effectiveness has been away from the generic toward the more unique and tailored. Today there are two basic model types that are used for the structure of an organization and the models are: the conventional bureaucracy and the open-flexible organization model. The conventional bureaucracy consists of many levels in its chain of command and all individuals must follow the rules and regulations that govern in this model type. The open-flexible organization has fewer levels of command, and emphasizes that all employees share ideas, apply their creative thoughts, and places the responsibility of failures and success on teams instead of individuals. In my research I will provide simple ideas to help Micah’s organization with change s to a brighter evolution and efficient working environment. For centuries most formal organizations operated under what we call conventional bureaucracy. Conventional bureaucracy is known for its many levels in what we see as the pyramid (Lounsbury Carberry, 2004). Formal organizations that practice conventional bureaucracy have a clear chain of commands with each level having a title that certain expectations have to be upheld for the organization (Lounsbury Carberry, 2004). Each employee has a specific job that they are to perform and a manager or supervisor they have to report to (Lounsbury Carberry, 2004). These organizations have their own set of rules, regulations, and policies that they have to follow (Lounsbury Carberry, 2004). Relationships within these organizations are very minimal to basically none (Lounsbury Carberry, 2004). For centuries one would usually see white males in management or positions with more authority. In this day of age one will find equal amounts of managers being both male and female. There is a law that stops employers and organizations from discriminating on one’s gender or age. The organizations have made major changes that allow creativity and strengths. Many of the organizations today are about their employees and the company, not just the company. Today’s organizations want to hire workers for the long run of employment and not to just fill a responsibility. Not only is organization a top priority so are the employees. Formal organizations are intended for â€Å"special purpose and structured for maximum efficiency† (Schaefer, 2006). These organizations have tremendous power over our economy and in management terms, â€Å"of large-scale operations† (Schaefer, 2006). Formal organizations fill the gap in society enabling them to satisfy our needs. There are several components to the formal organization such as Max Weber’s theory on bureaucracy, â€Å"Bureaucracy that rules and hierarchical ranking† (Schaefer, 2006). This is indicative to â€Å"government, education, and business† (Schaefer, 2006). Characteristics of bureaucracy consist of â€Å"Division of Labor, Hierarchy of authority, written rules and regulations, impersonality, employment based on technical Qualifications† (Schaefer, 2006). Whether one deals with bureaucracies or organizations they both play an essential part in our lives. With the change of times many things has evolved in the organizational system (Borghesi Houston, 2007). Years ago organizations were having many issues with job performance and the quality of work (Borghesi Houston, 2007). This caused the managers’ of the organization to have very little input in the way things were being run. The individuals who worked for these organizations were given positions depending on what the key parts of a job were in the organization (Borghesi Houston, 2007). Now a day’s organizations have developed a new team based foundation where the managers are in charge of monitoring the teams’ progress (Borghesi Houston, 2007) . The best manager’s are the ones who take time to listen to their employee’s and consider their input and idea’s. The input and ideas of employee’s is vital to an organization’s productivity. Most organization’s today give their employee’s individual tasks that utilize their talents (Borghesi Houston, 2007). Many formal organizations have worked to make their work environment more flexible because of the changes in time and workers. Modern organizations have strong desires for their employees to share and apply personal thoughts to work assignments. The modern organizations have developed a strategy that involves members of the company to be placed in their competitive work groups. The objective of these work groups is to establish an atmosphere where each team strives to create the best solutions to any company problems. There are sometime incentives given to the team for evaluating and using their critical thinking to come to solutions to solve any obstacles that have overcome in the company. Advancement of today’s technology, formal organizations are increasing the new way to be more efficient and get the job done. For the formal organization that Micah works for to evolve it has several things that should be changed, so the environment and flexibility will change. For starters all employees’ activities should be more of a team based and also equal between all the employees of the team. Their needs to major change in the structure of authority and organize smaller groups to achieve a common goal. Micah’s organization, like any organization that is striving for perfection and increased revenue, will strategically investigate and use methods or trends that are designed to assist with a company’s demands. Most large corporations are always looking to produce more products, and save money by cutting unnecessary spending without affecting the company. As a result of Micah’s organization following the conventional bureaucracy style since day one, it is going to be extremely difficult to change, and any change made is going to need to be done in small increments. Most companies will only make changes structurally if the company has been going through a financial hardship for quite some time. The formal organizations are seeing that the increase productivity of team work, thanks to team work and the diminishment of the one employee per job are gone. Today formal organizations are now becoming less bureaucratic and more flexible. Newer workers enter and take over and as technology, which means that more jobs are becoming less dependent on manual labor and more dependent on technology. Formal organizations have CEO instead of numerous managers and few senior managers and other employees are put into teams and work towards one specific goal. Life is about changes no matter where things have to start or end. Research Papers on Evolution of Formal OrganizationsResearch Process Part OneOpen Architechture a white paperThe Project Managment Office SystemMarketing of Lifeboy Soap A Unilever ProductPETSTEL analysis of IndiaIncorporating Risk and Uncertainty Factor in CapitalRelationship between Media Coverage and Social andInfluences of Socio-Economic Status of Married MalesBionic Assembly System: A New Concept of SelfAnalysis of Ebay Expanding into Asia

Present Progressive vs. Present Participle Verb Forms

Present Progressive vs. Present Participle Verb Forms Though both end in -ing, the present participle form of a verb isnt the same as the present progressive aspect. These terms can be a little confusing, but the verb forms themselves should be familiar: we use them all the time in speaking and writing. What They Are What is a present participle?The present participle is a verb form (made by adding -ing to the base) that can do the job of an adjective: Carl signed up for the singing competition.  (Note that singing modifies the noun competition.)   But wait,  as the infomercials say:  theres more that it can do! What is the present progressive aspect?The present progressive aspect is a  verb  construction made up of a present form of the verb  to be  plus  . . . a  present participle: Carl is singing his heart out.  (Note that the present tense is signaled by is, not by the participle singing.)  The progressive  usually conveys a sense of ongoing action (and is sometimes called the present continuous). What They Do A present participle by itself cant serve as the main verb of a sentence. For instance, Sadie, tapping her cane to the music is incomplete. In this example, tapping begins a present participial phrase that tells us something about the noun Sadie. One way to make this word group into a sentence is by adding a subject  (I) and a predicate  (remember): I remember Sadie, tapping her cane to the music.  But theres another way to turn this fragment into a complete sentence. A verb in the present progressive aspect may itself serve as the predicate of a sentence: Sadie is tapping her cane to the music. As weve seen, the present progressive is used for continuing activities- that is, for actions taking place at the moment of speaking and for actions that go on for a short period of time. A Quick Review We could easily have a sentence that contains both a present participial phrase (tapping her cane to the music) and a main verb in the present progressive (is singing): Tapping her cane to the music, Sadie is singing loudly and out of key. In this sentence, tapping is a present participle (unaccompanied by a form of the verb to be) while is singing (a form of the verb to be plus a present participle) serves as the main verb in the present progressive aspect. A Little Practice For each of the sentences below, decide if the -ing word is simply a present participle serving as an adjective or part of a present progressive construction. Youll find the answers at the end of the exercise. The clown is crying.The children laugh at the crying clown.A flying squirrel landed on the porch rail.Stray dogs are barking tonight, and the Rowland boy is lighting firecrackers.Our neighbors barking dog keeps us awake at night.  The Hendersons are moving to the mountains of Washington state.Happiness, Kinky said, is a moving target: were not happy until youre not happy. Answers: 1. present progressive (is crying); 2. present participle (crying clown); 3. present participle (flying squirrel); 4. present progressive (are barking and is lighting); 5. present participle (barking dog); 6. present progressive (are moving); 7. present participle (moving target)