Daily practice 1. By contrast, though some children who are taught to play musical instruments or ball games make 100% efforts, they still fall behind those talented peers. 2. Personally, such talents do provide opportunities for children to get higher. But training sessions are essential as well. Nature and nurture exist at the same time, which means fixed training programs are beneficial to develop talents.

Daily practicey Today, traffic congestion and pollution have become huge problems, especially in urban areas. To tackle these problems, it is suggested that increasing the price of petrol would be the best measurement. Higher fuel costs reduce the demand of private cars, as it increases daily expenditure of living. Generally speaking, people are not willing to spend much extra money on products unless it improves the quality. Then with driving less cars, it protects pedestrians security, to some extent, avoid traffic jams. However, there are other approaches that might be effective. People could walk or cycle to and from work if their companies are not far away from home, in order to reduce independence on cars. Other public transport services can be provided by the state as the technology is already available to produce green fuels, such as undergrounds and electric buses. They creates less air pollution than private cars but also reduce noise pollution. Apart from building complete traffic system, real-time information of road condition should be available to pedestrians and drivers through broadcasting. It gives a big picture of road condition, which motivate driver pay more attention to the emergencies, in case of traffic accidents. Reckless driver should pay heavy fines and even be sent to prison if necessary. This is a good way to deter dangerous driving and raise public awareness of road safety. In conclusion, rising petro price is useful when solving traffic and pollution problems but other ways are also essential. Both the public and the government take responsibilities for it.

Daily practice Two paragraphs With easy-to-reach sports equipments installed in central parks or somewhere else, people are able to do exercise regularly. These facilities offered cater for all ages, interests and levels of fitness, including children but also disabled adults. Today’s sedentary lifestyle and stressful working conditions are possibly changed by participating in physical activities and no longer be part of individuals’ lives. Public-interest advertising on health raises awareness of teenagers who sitting in front of computer, browse the internet or play video games. Prompting enthusiasm for sports, such as organizing sports matches or sports strategy sharing meetings, might also have a positive influence on it. Furthermore, the government can set rules and policies on junk food, tobacco and alcohol which contribute to diseases.

Daily practice Daily practice It has been suggested that high school students should be involved in unpaid community service as a compulsory part of high school programs. In my opinion, working in community is a good idea as it provides a wide range of skills. Social skills are important and by doing some volunteer work, students can gain experience of how to communicate with others but also how to manage time and how to cooperate with members in teamwork. They are also able to acquire problem-solving skills, for example, when getting into trouble with other workers, they need to consider how to address it efficiently. Besides, they are motivated to gain life skills that are an asset on future career. During working on community tasks, students even have more opportunities to make friends and get closely with others. However, there are also some disagreements of this compulsory program. One is distraction. High school students are busy with their studies, focusing on the preparation of college entrance examination. Doing some volunteer work may distract those students who lack self-control. The other reason of disagreement is that this program requires schools to pay extra insurance costs in order to ensure students security, which increases expenditure. In addition, some students may got bored if they were required to finish tasks. That means, it is their freedom to decide whether to go to community providing volunteer service. All in all, in my point of view, unpaid community service as a compulsory part in high school education should be put into practice as it gives students opportunities to gain new skills.

The financial system of Ghana (thanks for your help) The financial system of Ghana includes business intermediaries such as central bank owned by the government, commercial banks, specialized banks, foreign-owned financial institutions and other financial institutions. There are four big banks in this country, including Ghana Commercial Bank, Barclays Bank Ghana, Agricultural Development Bank, and Ecobank Ghana Limited. In 2008, Ghanaian central bank declared that the reserve ratio should improve, which triggered a large scale of merger and acquisition. For example, Bank of Africa merged with Ghana’s Amalbank, Access Bank merged with Intercontinental Bank and Ecobank merged with The Trust Bank. In Ghana, economic dealers like households, businesses institutions, government, analysts and observers argue that the banking system is not competitive. Currently the financial sector of Ghana is made up of 23 banking institutions, 126 rural banks and 41 NBFIs (Bank of Ghana Annual Report 2007). Of the 23 banking institutions, 22 banks providing universal banking businesses are limited to enter into only domestic banking businesses while one foreign-owned bank aiming at general banking services are allowed to enter into all forms including domestic and international banking which involves both residents and non-residents clients.