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PlatiniumFund Review: Pros and Cons Discovered
Is Homework Beneficial? – Top 3 Pros and Cons
|Thursday, Sep. 27, 2020 | Author: ProCon.org | MORE HEADLINES|
|What are the pros and cons of homework? Is it beneficial? From dioramas to book reports, and algebraic word problems to research projects, the type and amount of homework given to students has been debated for over a century. 
In the early 1900s, progressive education theorists decried homework’s negative impact on children’s physical and mental health, leading California to ban homework for students under 15.   Public opinion swayed in favor of homework in the 1950s due to concerns about keeping up with the Soviet Union’s technological advances.  Today, kindergarten to fifth graders have an average of 2.9 hours of homework per week, sixth to eighth graders have 3.2 hours per teacher, and ninth to twelfth graders have 3.5 hours per teacher, meaning a high school student with five teachers could have 17.5 hours of homework a week. 
Proponents of homework say that it improves student achievement and allows for independent learning of classroom and life skills. They also say that homework gives parents the opportunity to monitor their child’s learning and see how they are progressing academically.
Opponents of homework say that too much may be harmful for students as it can increase stress, reduce leisure and sleep time, and lead to cheating. They also say that it widens social inequality and is not proven to be beneficial for younger children.
Is Homework Beneficial?
Homework improves student achievement.
Studies show that homework improves student achievement in terms of improved grades, test results, and the likelihood to attend college.
Research published in the High School Journal indicates that students who spent between 31 and 90 minutes each day on homework “scored about 40 points higher on the SAT-Mathematics subtest than their peers, who reported spending no time on homework each day, on average.” 
On both standardized tests and grades, students in classes that were assigned homework outperformed 69% of students who didn’t have homework.  A majority of studies on homework’s impact – 64% in one meta-study and 72% in another – showed that take home assignments were effective at improving academic achievement.  
Research by the Institute for the Study of Labor (IZA) concluded that increased homework led to better GPAs and higher probability of college attendance for high school boys. In fact, boys who attended college did more than three hours of additional homework per week in high school. 
|Con 1 |
Too much homework can be harmful.
A poll of high school students in California found that 59% thought they had too much homework.  43% of respondents said that homework was their greatest source of stress, and 82% agreed that they were “often or always stressed by schoolwork.” 
The American Educational Research Association says that “whenever homework crowds out social experience, outdoor recreation, and creative activities, and whenever it usurps time that should be devoted to sleep, it is not meeting the basic needs of children and adolescents.” 
High-achieving high school students say the amount of homework they have to complete leads to sleep deprivation and other health problems such as headaches, exhaustion, weight loss, and stomach problems. 
Excessive homework leads to cheating: 90% of middle school students and 67% of high school students admit to copying someone else’s homework,  and 43% of college students engaged in “unauthorized collaboration” on out-of-class assignments.  Even parents take shortcuts on homework: 43% of those surveyed admitted to having completed a child’s assignment for them. 
|Pro 2 |
Homework helps to reinforce learning and develop good study habits and life skills.
Everyone knows that practice makes perfect. Students typically retain only 50% of the information teachers provide in class, and they need to apply that information in order to truly learn it. 
Homework helps students to develop key skills that they’ll use throughout their lives, such as accountability, autonomy, discipline, time management, self-direction, critical thinking, and independent problem-solving.    
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A study of elementary school students who were taught “strategies to organize and complete homework,” such as prioritizing homework activities, collecting study materials, note-taking, and following directions, showed increased grades and positive comments on report cards. 
Research by the City University of New York noted that “students who engage in self-regulatory processes while completing homework,” such as goal-setting, time management, and remaining focused, “are generally more motivated and are higher achievers than those who do not use these processes.” 
Homework disadvantages low-income students.
41% of US kids live in low-income families, which are less likely to have access to the resources needed to complete homework, such as pens and paper, a computer, internet access, a quiet work space, and a parent at home to help.   They are also more likely to have to work after school and on weekends, or look after younger siblings, leaving less time for homework.   
A study by the Hispanic Heritage Foundation found that 96.5% of students across the country said they needed to use the internet for class assignments outside of school, and nearly half reported there had been times they were unable to complete their homework due to lack of access to the internet or a computer, sometimes resulting in lower grades.  
Private tutoring is a more than $6 billion enterprise that further advantages students from wealthier families.   A study published in the International Journal of Education and Social Science concluded that homework increases social inequality because it “potentially serves as a mechanism to further advantage those students who already experience some privilege in the school system while further disadvantaging those who may already be in a marginalized position.” 
Homework allows parents to be involved with their child’s learning.
Thanks to take-home assignments, parents are able to track what their children are learning at school as well as their academic strengths and weaknesses. 
Data from a nationwide sample of elementary school students show that parental involvement in homework can improve class performance, especially among economically disadvantaged African-American and Hispanic students. 
Research from Johns Hopkins University found that an interactive homework process known as TIPS (Teachers Involve Parents in Schoolwork) improves student achievement: “Students in the TIPS group earned significantly higher report card grades after 18 weeks (1 TIPS assignment per week) than did non-TIPS students.” 
Homework can also help clue parents in to the existence of any learning disabilities their children may have, allowing them to get help and adjust learning strategies as needed.  Duke University professor Harris Cooper, PhD, noted, “Two parents once told me they refused to believe their child had a learning disability until homework revealed it to them.” 
Fourth grade students who did no homework got roughly the same score on the National Assessment of Educational Progress (NAEP) math exam as those who did 30 minutes of homework a night. Students who did 45 minutes or more of homework a night actually did worse. 
Temple University professor Kathryn Hirsh-Pasek, PhD, says that homework is not the most effective tool for young learners to apply new information: “They’re learning way more important skills when they’re not doing their homework.” 
An entire elementary school district in Florida enacted a policy that replaced traditional homework with 20 minutes of reading each night – and students get to pick their reading material.  A study by the University of Michigan found that reading for pleasure – but not homework – was “strongly associated with higher scores on all achievement tests” for children up to 12 years old. 
|Trading account||Min. deposit||Max. leverage||Spread|
PlatiniumFund is a MT4 broker allegedly based in Austria. They offer four trading account types, but the spreads remain unclear.
Apart from their account type and trading conditions, we have serious concerns about this broker and the details will be highlighted in our thorough review. If you are going to skim through it, make sure you read at least the first two points in the Disadvantages section below.
Access to the MT4
Because we always try to come up with all possible benefits a broker might offer its clients, here we should note the presence of the legendary MetaTrader4 (MT4) platform.
This trading terminal is very popular among traders because it is user-friendly, and yet equipped with a set of professional tools. Some of these include advanced charting package, numerous built-in analysis indicators, Expert Advisors for automated trading, and more.
Yet, we couldn’t test PlatiniumFund’s MT4 and considering that the broker is not regulated, you’d better take a look at our list of reliable forex providers that also allow trading on this platform.
No legit license
The broker says to be a trademark Platiniumfund Ltd., a company allegedly based Austria. Yet, nothing is mentioned about regulation, and we could not find the broker in the FMA’s register. We remind readers that all financial services providers operating in Austria have to be licensed by the Financial Markets Authority (FMA) or another European financial regulator.
We keep reiterating that trading with unregulated brokers hides a lot of risk. There may be commingling which means that the brokerage may mix together the finances of the firm and clients’ funds. What is worse, the broker may simply stop answering your e-mails and phone calls and disappear with your money. That is why the lack of legit forex broker license is always considered a huge disadvantage.
Spreads not disclosed, no free testing
As was noted above, PlatiniumFund’s website lacks information on the most important details of its offer, such as the reference spreads, maximum leverage levels provided (if any), etc. Free testing service is also unavailable, so we can safely conclude that the broker is not transparent with its services and pricing, which is very typical of scam brokers.
So, you might take a look at the real-time spreads of some-top tear forex brokers instead:
A lot of inconsistencies
We also found a lot of contradicting information about the initial investment required by PlatiniumFund, and the maximum leverage levels provided. In the account types section of its website, it is written that a Mini account can be opened with $500, while according to the FAQ section the minimum deposit is $250. Similarly, in the account types section of the site it is written that the maximum leverage ratios available to clients of PlatiniumFund, and in other sections the broker advertises leverage of 1:500.
Such inconsistencies, coupled with the obvious lack of credible regulation inclines us to suspect potential clients of the brokerage are not open to substantial risk.
All things considered, PlatiniumFund is just another doggy unregulated broker that will most probably rip off ruthlessly anyone who makes the mistake of investing with them.
That is why we urge our readers to avoid all unregulated brokers, and make sure they only deal with properly authorized entities. We like to give as examples brokers licensed by prestigious regulatory agencies, such as the FCA and CySEC, which require compliance with a number of strict rules that give significant assurance for the security of the clients funds.
Here are the highlights of the present review of PlatiniumFund:
|Access to the MT4||Limited company info, no financial regulation|
|Spreads not disclosed, no free testing|
|A lot of inconsistencies|
FXTM a regulated forex broker (regulated by CySEC, FCA and FSC), offering ECN trading on MT4 an MT5 platforms. Traders can start trading with as little as $10 and take advantage of tight fixed and variable spreads, flexible leverage and swap-free accounts.
XM is broker with great bonuses and promotions. Currently we are loving its $30 no deposit bonus and deposit bonus up to $5000. Add to this the fact that it’s EU-regulated and there’s nothing more you can ask for.
FXCM is one of the biggest forex brokers in the world, licensed and regulated on four continents. FXCM wins our admirations with its over 200,000 active live accounts and daily trading volumes of over $10 billion.
FxPro is a broker we are particularly keen on: it’s regulated in the UK, offers Metatrader 4 (MT4) and cTrader – where the spreads start at 0 pips, Level II Pricing and Full Market Depth. And the best part? With FxPro you get negative balance protection.
FBS is a broker with cool marketing and promotions. It runs an loyalty program, offers a $100 no-deposit bonus for all new clients outside EU willing to try out its services, and an FBS MasterCard is also available for faster deposits and withdrawals.
FxChoice is a IFSC regulated forex broker, serving clients from all over the world. It offers premium trading conditions, including high leverage, low spreads and no hedging, scalping and FIFO restrictions.
HotForex is a EU Regulated broker, offering wide variety of trading accounts, including Auto, Social and Zero spread accounts. The minimum intial deposit for a Micro account is only $50 and is combined with 1000:1 leverage – one of the highest in the industry.
TELEPHONE INTERPRETING: A REVIEW OF PROS AND CONS
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15 Pivotal Pros And Cons Of Reproductive Cloning
For many years now, reproductive cloning or human cloning has become a hot and controversial topic, especially among religiously communities. Opponents of the cloning say that this technology questions God’s role and existence. But most of all, those who oppose this procedure question the quality of life that a cloned individual would have.
One of the reasons for the differing opinions people have about reproductive cloning is the complexity of the issue itself. Needless to say, artificial cloning is something that you can easily understand or explain. In other words, human cloning is a process that involves various elements. But what really is reproductive cloning?
In basic terms, human cloning is the technology that involves producing a genetically identical copy of a human being. More importantly, reproductive cloning creates copied cells or tissues of an individual. Yes, this technology may be likened to the process that takes place when twins are conceived in a mother’s womb. The only difference is that the birth of human twins occurs naturally, but the artificial counterpart uses technology.
So is reproductive cloning is good or bad? It would help to know its pros and cons to be able to answer that.
List of Pros of Reproductive Cloning
1. Reproductive cloning helps people fulfill their dreams of having children.
2. Reproductive cloning can help cure life-threatening diseases.
3. Reproductive cloning can give a new meaning to genetic modification.
4. Reproductive cloning allows faster recovery from traumatic experiences.
5. Reproductive cloning allows for organ replacement.
6. Reproductive cloning could aid in genetic research.
List of Cons of Reproductive Cloning
1. Reproductive cloning can increase the chance of medical malpractice.
2. Reproductive cloning creates a lack of diversity within the human population.
3. Reproductive cloning could speed up the aging process.
4. Reproductive cloning can put people’s lives in danger.
5. Reproductive cloning is interfering with nature.
6. Reproductive cloning could create a division among people.
7. Reproductive cloning might lead to a whole set of problems that we have not been equipped yet.
8. Reproductive cloning can be abused.
9. Reproductive cloning is considered wrong in so many levels.
There are many reasons to support or to oppose human cloning. For one, a successful clone won’t be as perfect as a naturally conceived human being. It is also possible that it will be brought up differently. But if cloning is going to be used for a good purpose, then it can help improve humanity, as it can help cure incurable diseases.
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