Essays college
Ielts Essay Topic For Important Things Available For Free
Thursday, August 27, 2020
Canon Marketing Project Essay
Presentation: About Canon Incorporation Standard Incorporation is a Japanese global organization that has practical experience in assembling imaging and optical items around the world. The organization fabricates numerous items like cameras, focal points, camcorders, photograph printers, office arrange multifunction gadgets, laser printers, laser multifunction gadgets, arrangement delicate products and a lot more Industry and Business items. Ordinance's home office is arranged in Ohtaku, Tokyo, Japan. The organization was established on tenth of August in the time of 1937. The organization was established by Takeshi Mitarai, Goro Yoshida, Saburo Uchida and Takeo Maeda in Tokyo, Japan. At the point when the organization was established its name in 1934 was Kwanon named by Goro Yoshida and later in 1947 the name had changed to Canon Inc. The current Chairman and CEO of Canon Inc. is Fujio Mitarai. The organization's first item was Kwanon (1934) the Japan' First 35 mm central plane-shade camera delivered in model structure. The organization has three divisions; Consumer Business Unit, Office Business Unit and Industry and Others Business Unit. The divisions have spread their items in the accompanying way; Consumer Business Unit: Digital SLR Cameras, Compact Digital Cameras, Digital Camcorders, Lenses for SLR Cameras, Compact Photo Printers, Multifunction Inkjet Printers, Inkjet Printers, Commercial Photo Printers, Multimedia Projectors, Image Scanners, Network Cameras and Broadcast Equipment. Office Business Unit: Office Network Multifunction Devices, Laser Printers, Lase Multifunction Devices and Solution Software, Toner Cartridges, Digital Production Printers and Large-Format Inkjet printers. Industry and Others Business Unit: LCD Lithography Systems, Semiconductor Lithography Systems, Ophthalmic Equipment, Digital Radiography Systems, Document Scanners, Color Label/Card printers, Personal Information Products, Handy Terminals, Components, Die Bonders, Organic LED Panel Manufacturing Equipment and Vac uum Thin-Film Deposition Equipment. The organization's establishment ascend from core values of San-Ji (Three selfs) that have been passed down since Canon was established they are; Self-inspiration, Self-administration, Self-mindfulness. These Three Selfs keep on filling in as the organization's most significant core values. Vision and Mission (2011-2015): Canon Inc. VISION Basic propelled arrangements liberating individuals to live their fantasies and lead enhanced lives at home and at work. and to be a gathering of administration creation organizations that rehearses the standard of client center with a worldwide point of view. Crucial To give ideal incentive through showcasing development that upgrades security and genuine feelings of serenity and supports inventiveness in all everyday issues, work and society. Standard Incorporation has a DNA. It's called Canon's Corporate DNA: Canon had been creating Excellent Global Corporation Plan since 1996 when Fujio Mitarai turned into the Canon's sixth organization president. as three Phases till now Phase I (1996 â⬠2000), II (2001 â⬠2005), and III (2006 â⬠2010) which drove the organization to intend to the world's No.1. Presently the organization is prepared with its Excellent Global Corporation Plan Phase IV for the following 5 financial years 2011 â⬠2015. The historical backdrop of the organization began with the venturesome soul to make the world's best camera. THE TIMELINE OF HIGHLIGHTS and MILESTONES 1933: Precision Optical Instruments Laboratory was set up. 1934: Kwanon Camera model created. 1936: Hansa Canon Camera Introduced. 1937: Precision Optical industry, Co., Ltd. was established. 1941: Japan's first Indirect X-beam Camera Introduced. 1947: The organization name changed to Canon Camera Co., Inc. 1955: New York branch office opened. 1957: Sole European wholesaler, Canon Europa, built up. 1961: Canonet Camera Introduced. 1964: Canola 130 Calculator Introduced. 1967: Cameras in the correct hand, business machines in the left. 1969: Company name changed to Canon Inc. 1970: PPC-1 veil aligner presented. 1976: Premier Company Plan Launched. 1976: AE-1 SLR camera presented. ââ¬Å"The worldââ¬â¢s first SLR camera with an inherent microcomputerâ⬠1979: LBP-10 Laser printer presented. 1982: PC-10/20 individual duplicating machine presented. 1985: BJ-80 Inkjet printer presented. 1987: CLC-1 computerized full-shading duplicating machine presented. 1987: EOS 650 AF SLR camera presented. ââ¬Å"EOS AF cameras and focal point are extraordinary compared to other ever producedâ⬠1988: Corporate way of thinking of Kyosei presented with the organization's subsequent initiation. 1990: Toner cartridge assortment &recycling program propelled. 1996: Excellent worldwide company plan propelled. 2000: Canon Inc. ADRs recorded on the New York Stock Exchange. 2000: PowerShot S100 DIGITA ELPH (DIGITAL IXUS) minimized computerized camera propelled. ââ¬Å"Canon's PowerShot is one of the top rated camera brand in the world.â⬠2002: EOS-1Ds Digital SLR camera propelled. 2006: Image PROGRAF IPF9000 printer propelled. 2007: ImagePRESS C7000VP advanced press presented. 2009: ImageRUNNER ADVANCE system multifunction gadget presented. 2011: Excellent Global Plan Phase IV propelled. 2012 â⬠: ââ¬Å"striving to make the best items possibleâ⬠¦Ã¢â¬ ¦.â⬠ââ¬Å"Canon's EOS cameras have the photographic capacity to break into the universe of film and television.â⬠Even in the Hollywood the movie producers utilize these camera capacities for best outcomes. Through new innovations, Canon is focused on meeting the ever-developing desires for advanced camera. In 2010, Canon has invited Oce N. V. of Netherlands into its gathering which helped standard to be the one in universes best printers makers. Groups gear is additionally utilized generally in the Medical medicines in Japan and United States which prompted numerous effective medical procedures. In these manners, Canon is applying driving edge imaging innovation toward making individuals' lives more beneficial. The organization has a plentiful measure of creation units around the globe in the most ideal areas around the world. Realizing that earth-accommodating creation is essential for the future, Canon tirelessly proceeds with its attention on universally enhanced creation. The Company's all Corporate Activities incorporate; Examination and Development (R&D), Design, Procurement, Production, Distribution, Sales and Marketing, Post-Purchase Services, Recycling, Environment, Quality. Corporate Social Responsibility (CSR). Business Highlights and Global positioning 2010 Standard was positioned in 216th for Net Sales Globally by FORTUNE Global 500 (Fortune, June26 2010 Issue). It was positioned in 190th in 2009. Group was positioned in 202nd for Net Income Globally by FORTUNE Global 500 (Fortune, June26 2010 Issue). It was positioned in 131st in 2009. Standard Inc. was positioned in 93rd for Market Capitalization by FINANCIAL TIMES Global 500. It was positioned 104th in 2009.* Canon Inc. was positioned seventh in Technology Hardware and Equipment segment by FT Global 500.* *[Financial Times, May 29/30 2010 Issue] Canon Inc. was positioned fourth in the TOP TEN U.S. patent holders. for example 2,543 in No. of Patents. *Based on week by week patent checks gave by the United States Patent and Trademark Office. ââ¬Å"Canon's EOS cameras have the photographic capacity to break into the universe of film and television.â⬠Indeed, even in the Hollywood the movie producers utilize these camera capacities for best outcomes. Through new developments, Canon is focused on meeting the ever-developing desires for advanced camera. In 2010, Canon has invited Oce N. V. of Netherlands into its gathering which helped ordinance to be the one in universes best printers makers. Standards hardware is additionally utilized broadly in the Medical medicines in Japan and United States which prompted numerous effective medical procedures. In these manners, Canon is applying driving edge imaging innovation toward making individuals' lives more beneficial. The organization has an abundant measure of creation units around the globe in the most ideal areas around the world. Realizing that earth-accommodating creation is imperative for the future, Canon steadily proceeds with its emphasis on all inclusive upgraded creation. The Michael Porter's five serious powers: Canon Inc. 1. Danger from expected new participants: The Canon Incorporation now in the imaging business has a sufficient measure of significant standard just as numerous contenders simultaneously. In any case, the organization in every case should be purposely wakeful to examine new contestants prepared to break into the business. It has a danger from the new organizations. The Canon Inc. must worry about the significant components like value they toss recently into the market and item extend they toss in the market. Greater the new contestant, the more extreme the serious impact would be. In the event that any new organizations who come into the business of imaging and printing will have the capacity that can move the enthusiasm of group clients towards their image at that point, the organization will doubtlessly need to deal with the current principles, concerning how did the new organization attempted to take the brains off from the Canon. The organization will take up the procedures to stay away from that circumstance with hitting advancements that will never turn up the clients towards different organizations and brands. 2. Dealing intensity of clients: Like it occurs in the little scope organizations the clients of mechanical items come never together apply pressure on the maker straightforwardly. The organization gets the opposition in this viewpoint by implication might be not a direct result of the immediate bartering of clients be that as it may, the eagerness of the clients to address such cost for the item is the only thing that is important and concerns. The Canon Inc. will distinctly get the best possible criticism about the cost and readiness of clients to take care of their items from all the pieces of the world. Through this measure the organization can not just dodge the weight upon the costs that the organization charges yet in addition upon the expenses and speculations. 3. Haggling intensity of providers: The organization will likewise have the weight from the supplierââ¬â¢s side in haggling. Assume the Canon Inc. needs the plas
Saturday, August 22, 2020
Christopher Columbus a Villain Essay Example for Free
Christopher Columbus a Villain Essay Should a man whose activities made an influx of massacre and executed a huge number of blameless locals be viewed as a legend? In todayââ¬â¢s time, Christopher Columbus is referred to through the United States as the person who found the nation we as of now live in. However, is that in reality evident? Over numerous years, his history has started a day that is a recognition of his ââ¬Å"discoveryâ⬠. I accept that he is the brains behind the massacre of more than 250,000 Native Americans, while others accept that he was just a man with an energy for investigating. I for one accept that Christopher Columbus had not a solitary honest goal when he originally ventured foot on the Americas back in his time and demonstrated adverse magnificence for his country, disclosure and individual greatness. Christopher Columbus found the Americas, yet today he assumes acknowledgment for finding another world. Local Americans had been living in developments across North and South America some time before Columbus had found it. This excursion has now destroyed a large number of those subjugated, and affected just as his valuable notoriety. With his endeavor, he presented nations to new illness, brutality, and bondage. His ââ¬Å"discoveryâ⬠drove him to destroy the Americaââ¬â¢s of its locals and its assets. These appalling activities ought to be added to Columbuss notoriety, which demonstrates him to be a scalawag in American history. Christopher Columbus had underhanded expectations from the beginning of his journey when he vowed to reimburse, Spanish ruler and organizer of Columbuss ventures, with gold, zest, and different hirelings. At the point when he previously showed up in what he thought was Asia, he immediately assembled the locals and acquainted them with servitude. He additionally came back to Europe with the Native Americans assets. In an asset I concentrated obviously and predisposition unreservedly I read the following:â⬠â⬠¦, a mariner called Rodrigo saw the moon sparkling on white sands, and shouted out. It was an island in the Bahamas, in the Caribbean Sea. The main man to locate land should get an enormous prize, however Rodrigo never got it. Columbus guaranteed that he had seen a light the prior night. He got the prize. We people today realize that when something new comes into the image, something old must come out. Regardless of which side individuals pick, they all concur that Columbus had a significant effect on the Americas.
Defining Racial Profiling and Utilitarian Argument Essay
Characterizing Racial Profiling and Utilitarian Argument - Essay Example The article will likewise manages depicting the incongruence in the contentions for racial profiling and fortify the contentions against racial profiling. At long last, it will be contended that various utilitarian protests that have been leveled against racial profiling are invulnerable by those that help racial profiling that. Meaning of Racial Profiling In request to keep up the coherent adequacy and solidness of any contention, one should plainly characterize racial profiling the before walking into any conversation about the ethical issue it presents. The term ââ¬Å"racial profilingâ⬠was instituted to reprimand certain injurious examination strategies for the police power and, thus, has generally been related with being low and the unmerited (Gross and Livingston, 2002). In this paper, be that as it may, the term will be utilized with no inclination and the ramifications of wrongness. At the point when racial profiling will be alluded in the article, it would be based on Risse and Zechhauserââ¬â¢s (2004) expansive definition that will be presented later in the article. Ramirez (2000) characterizes racial profiling as ââ¬Å"any police-started activity that depends on the race, ethnicity, or national beginning, instead of the conduct of an individual or data that drives the police to a specific person who has been recognized as being, or having been, occupied with criminal activity.â⬠Here, the definition assembles race, ethnicity, and nationality alongside the utilization of an individualââ¬â¢s conduct or data. Thusly, Ramirez depicts profiling in a way looks for moral objection against the total dependence on race and ethnicity in police examination. Unmistakably as indicated by this definition, the unjustified racial profiling is the point at which the race and ethnicity are the sole inspiration for a police activity (Risse and Zeckhauser, 2004). Regardless of its general sufficiency at a first look, the definition neglects to consider the cases that include a mix of race and data (Risse and Zeckhauser, 2004). Theoretically, if the police halted lopsidedly a bigger number of blacks than whites for insignificant infringement of the law, for example, driving with a messed up tail light or surpassing a speed limit by 10mph, it ought to be viewed as racial profiling. Nonetheless, Ramirezââ¬â¢s definition can't be utilized to set up whether this case is racial profiling or not on the grounds that in this model, both race and data are utilized in the police activity (Risse and Zeckhauser, 2004). Then again, Risse and Zeckhauser (2004) characterize racial profiling in a progressively far reaching way by proposing that racial profiling is ââ¬Å"any police-started activity that depends on the race, ethnicity, or national beginning and not only on the conduct of an individual.â⬠Through this definition, it very well may be reasoned that racial profiling is when police activity depends on a blend of data and race to rebuff those associated with perpetrating wrongdoing. Tests for Justified Racial Profiling Even however, Risse and Zechhauserââ¬â¢s meaning of racial profiling is thorough and accommodating in understanding the sort of police activity that
Friday, August 21, 2020
The direct effects of Johnes disease Free Essays
Presentation Mycobacterium avium races paratuberculosis ( MAP ) is the causative operator of a serious, infective, ceaseless, granulomatous enteritis in ruminants, called Johne ââ¬Ës illness or paratuberculosis. The immediate impacts of Johne ââ¬Ës sickness on vivify being open help and productiveness may look irrelevant and are regularly conceal by the for the most part subclinical character of the illness in tamed livestock ( hatching period before the approaching of clinical stamps overall reaches from 2 to 10 mature ages ) { 1 Lepper, A.W. We will compose a custom exposition test on The immediate impacts of Johnes illness or then again any comparable point just for you Request Now 1989 } { 2 Chiodini, R.J. 1984 } .The financial effect of JohneA?s on dairy cowss businesses is critical. Assessed costs as a result of diminished weight option, milk creation misfortune, untimely winnowing and diminished carcase esteem mean a one-year whole of $ 250 million ( USD ) in the United States industry completely { 3 Ott, S.L. 1999 } . Later top to bottom estimations show a significant relationship being between Johne ââ¬Ës infection position and diminished milk creation { 51 Smith, R.L. 2009 } , expanded peril of being winnowed { 40 Smith, R.L. 2010 } and a decreased calving rate in high sloughing invigorate creatures. The on-going conflict refering the conceivable capacity of MAP in Crohn ââ¬Ës ailment ( human incendiary digestive tract ailment ) recommends that MAP itself may be of extraordinary open health importance { 17 Hermon-Taylor, J. 2000 } . 1.2. Transmission of MAP Cattles are generally vulnerable to contamination as calves from birth to a couple of long stretches old enough { 27 Taylor, A.W. 1953 ; 55 Windsor, P.A. 2010 } , however can other than be tainted as adults { 28 Doyle, T.M. 1951 } .Transmission of MAP can occur by a grouping of ways in dairy cowss ; on a level plane by utilization of MAP from nature, or vertically from embankment to calf. Proof of intrauterine transmittal and sloughing of MAP in milk and foremilk has been accounted for by a few surveies { 5 Nielsen, S.S. 2008 ; 25 Seitz, S.E. 1989 ; 24 Sweeney, R.W. 1992 } . In spite of the fact that calf-to-calf transmittal has other than been shown in a few exploratory scenes where calves are being housed together { 52 RANKIN, J.D. 1961 ; 53 new wave Roermund, H.J. 2007 } even contamination from cattles to calves and opposite disease from barrier to calf are accepted to be the most well-known and the majority of import contamination ways in dairy cowss. Past surveies other than depict that calves brought into the world from positive tried embankments were at a fundamentally higher danger of going Map tainted than calves without this hazard profile. Other than calves turning up with a future high spiller and calves being brought into the world right away after the refreshing of a septic barrier were at higher risk being contaminated { 29 Benedictus, A. 2008 } . 1.3. Treatment A ; control By and by, there is no palatable intercession for the malady. No disinfectants are affirmed for the intercession of Johne ââ¬Ës malady on account of their insufficiency of effectiveness and their inability to flexibly bacteriological cure. A vaccinum for Johne ââ¬Ës ailment exists yet is non actually ordinarily utilized on the grounds that it meddles with the perusing of the present TB covering preliminary and its failure to entirely hinder contamination { 44 Muskens, J. 2002 } . Therefore JohneA?s sickness is by and by controlled through control designs that execute an arrangement of creation designs. The most cost-productive alternative for cut bringing down the commonness of MAP contamination in crowds is utilization of danger course steps to hinder known transmittal ways { 6 Groenendaal, H. 2003 ; 16 Kudahl, A.B. 2009 } . Current MAP control plans are chance based. The board insightful, invigorate creatures are separated into high and low danger vitalize creatures, by taking a gander at the outcomes of 4 one-year showings that test every lactating cows for MAP explicit antibodies in the milk { 47 Nielsen, S.S. 2011 } . Specific creation design suggestions are accommodated pull offing terrible vitalize creatures and these proposals primarily center around inside group MAP transmittal { 46 Nielsen, S.S. 2007 } .According to ongoing surveies, executing designs that can limit the introduction of MAP to infant calves should outweigh everything else in control plans { 45 Pillars, R.B. 2011 } . In any case, control steps are extremely costly and non financially savvy. Current control steps do non take into history that MAP can be transmitted vertically and disregards the likelihood that there is familial vacillation in cowss related with differential powerlessness to Johne ââ¬Ës doing young ladies of septic barriers bound to be contaminated regardless of whether cleanliness steps are executed totally during childbirth. 1.4. Heritability of defenselessness Extensive work on linkage between hereditary sciences and the restriction, resilience or powerlessness to Mycobacterium avium races paratuberculosis. Heritability of weakness to contamination with MAP has been assessed from 0.06 to 0.159 { 18 Koets, A.P. 2000 ; 31 Mortensen, H. 2004 ; 37 Hinger, M. 2008 ; 38 Attalla, S.A. 2010 } . The wide variance in these extimates can be clarified by contrasts in meaning of disease and nosologies ( blood or milk ELISA, fecal human advancements, tissue civic establishments ) , test sizes, overview populace ( breed ) and measurable hypothetical records ( arranged enliven being hypothetical record, bring forth hypothetical record ) utilized. Two genome-wide surveies have recognized scene for resistence or vulnerability to disease by MAP using Illumina Bovine SNP50 measure { 32 Settles, M. 2009 ; 33 Minozzi, G. 2010 } . A SNP on chromosome 9 ( BTA9 ) is related with throwing ( being fecal development positive ) when truly contaminated ( tissue progress positive { 32 Settles, M. 2009 } and being ELISA positive { 33 Minozzi, G. 2010 } . Zanella et Al. played out an affiliation review on the equivalent dataset as Settles et Al. what's more, saw BTA6 as related with tolerence to paratuberculosis { 43 Zanella, R. 2011 } . A few campaigner cistrons distinguished by these genome-wide surveies have been inspected for more distant relationship with contamination. Endeavors to turn up cistrons related with weakness or resistance to paratuberculosis hold had constrained achievement. Pinedo et al 2009 distinguished a relationship of caspase enrolling circle 15 ( CARD15 ) with contamination { 34 Pinedo, P.J. 2009 } , while a different similar investigation of cow-like, murine, and human CARD15 transcripts recommend no significant relationship between vacillation in the CARD15 and sickness position { 41 Taylor, K.H. 2006 } .Toll-like receptor 4 ( TLR4 ) was related with contamination in late work by Mucha et Al. 2009 however was non related with disease in an incidental autonomous investigation { 49 Pinedo, P.J. 2009 } . Propensity towards relationship among disease and variation allelomorphs of the SLC11A1gene ( once NRAMP1 ) { 34 Pinedo, P.J. 2009 } is steady with a populace based familial affiliation review did by Ruiz-Larranaga et Al. { 42 Ruiz-Larranaga, O. 2010 } , however clashing outcomes were introduced by a populace based affiliation stu dy by Hinger et Al. 2007 { 39 Hinger, M. 2007 } . Hinger et Al. also, Minozzi utilized ELISA-tests as an indicative advance to sort quicken creatures as septic while Pinedo et Al. utilized a blend of ELISA and fecal human progress to indicate contamination and Settles et Al utilized fecal and tissue development. The multifaceted nature of the intracellular infective illness Mycobacterium avium races paratuberculosis causes recommends commitment of various cistrons that perchance interface with each other and with outside elements from the earth. In add-on, the various methods engaged with early illness and late ailment are yet poorly characterized and may other than be reflected in the diverse setting saw as related with the classification of the sort of contamination. Especially in light of the fact that pathogenesis of the malady is non to the full comprehended and affectability of ELISA preliminaries is somewhat low in inert or low throwing quicken creatures { 10 McKenna, S.L. 2006 ; 54 Eamens, G.J. 2000 } { 50 Nielsen, S.S. 2008 } , case-control affiliation surveies that utilization predominantly tissue and fecal nosologies so as to locate the genuine disease position of the cow present the most trustworthy outcomes. 1.5. Vertical transmittal To investigate the significance of opposite transmittal, old surveies attempted to discover the predominance of fetal disease in cowss and assessed the rate of calves tainted through in utero transmittal. On standard, roughly 9 % of foetuss from subclinically tainted cattles ( fecal progress positive ) and 39 % from clinical cattles were contaminated with MAP before convey { 4 Whittington, R.J. 2009 } . Orchestrating to Whittington and Windsor { 4 Whittington, R.J. 2009 } existent pervasiveness of fetal MAP disease would be higher than revealed on the grounds that a portion of the techniques and conventions utilized in these surveies to deal with and demonstrate tests have truly low particularity { 54 Eamens, G.J. 2000 } . The assessed occurrence of calf disease determined by means of the in utero way relies upon inside group predominance and the proportion of sub-clinical to clinical occasions among septic cattles. The mean opposite contamination rates referenced above are gotten from the result of five free surveies distributed somewhere in the range of 1980 and 2003. 1.6 Strain typing Current advancements in atomic hereditary sciences make it conceivable to disciminate Mycobacterium avium paratuberculosis strains with various fingerprinting methods { 36 Motiwala, A.S. 2006 } . These strategies can other than be utilized as an apparatus to investigate the chance of opposite transmittal by contrasting strains conveyed by the embankment and strains conveyed by the young lady. Whe
Help Me Write Research Paper - The Essentials of It
Help Me Write Research Paper - The Essentials of ItThere are times when you need to know how to help me write research paper. This is something that you should not take lightly, and it is especially important for medical or research papers. You need to know that it will be very difficult for your instructor or supervisor to get around this problem, but there are steps that you can take to make sure that you can give the best paper possible. You should also know that the major source of this difficulty is the student's lack of preparation and dedication.A good idea for helping me write research paper is to prepare well ahead of time. This means that you should already know what kind of paper you want to write, as well as what topics are most interesting to you. It also means that you should have all of the necessary resources for your research on hand. Of course, it also helps if you can write from a position of preparedness, which means that you have planned well in advance how you w ill do your research.Another way to help me write research paper is to take action on the preparation you have done. For example, if you've chosen to write a paper on someone or something in particular, try doing some research into that topic. See if you can learn anything new about the subject and how others have written about it. Do some reading. Make notes of the topics that come up in your reading.An easy and helpful tip is to make a simple outline that shows you what you will cover. Write a few lines at a time to keep track of what you have already covered and what you still need to cover. This gives you the freedom to decide how much time you will spend researching and writing.Some students want to decide right away what they want to write. This is usually a bad idea because it will probably lead to a disorganized and unfocused style of research. After all, if you don't know where to start, how will you know how to finish?How to help me write research paper can also be found i n having a plan. Be sure that you have a well-developed research plan that covers each chapter. You should also be able to draft a draft of what the paper will look like before you get started. You should also be sure that your plan can be carried out by the end of the week. If not, you will find yourself late to class or at the mercy of those you work with.Finally, how to help me write research paper must include a commitment to dedicate the time required. You should only consider it to be an optional part of your coursework. Remember that all of your peers will be doing this too. This means that you will find yourself competing with them, and you will lose.It is true that when you know how to help me write research paper, you will be better able to complete it successfully. Good luck!
Thursday, July 2, 2020
Confessions of a Student Loan Addict
HomeFinanceFinancial aidConfessions of a Student Loan Addict: à 5 Lessons I Learned About Paying for CollegeThis page may contain affiliate links.Nov 11, 2019College can be a stressful time. Money can be a stressful topic. Combine the two and youââ¬â¢ve got the makings of a cheesy horror film ââ¬â you know, the oneââ¬â¢s where the characters make shockingly horrible decisions over and over and over again, blissfully unaware of the results of their decisions. We all know them, and we know their stories donââ¬â¢t generally end well. They end with the main character almost universally suffering some sort of great harm, only to barely escape and live to tell others about it. Well, that same main character, the one in the above story, thatââ¬â¢s me. Iââ¬â¢m the guy who (unknowingly) made horrible decision after horrible decision, survived, and now Iââ¬â¢m here to tell you about them. Not because college is hard. And not because money is hard. To the contrary, sometimes they can be deceptively easy. Thatââ¬â¢s where the danger lies. Today, Iââ¬â¢m going to share with you five lessons I wish Iââ¬â¢d learned about paying for college, so you donââ¬â¢t make the any of the same ghastly mistakes I did. Do Your Homework This should go without saying, but itââ¬â¢s something that I, and many like me, never did. You see, I had parents that were enablers. They were beyond kind, and they loved me dearly, but they didnââ¬â¢t do me any favors by not including me in a more meaningful way when it came to obtaining my student loans. Students, listen to your parents. They have life experience that will prove invaluable when discussing the intricacies of your loans. Parents, involve your students. Giving them access to ââ¬Å"easyâ⬠money is a missed opportunity for conveying the gravity of what theyââ¬â¢re undertaking. This is the mandatory first step for everyone involved educate yourselves on the differences between college grants, financial aid and student loans, and scholarships. Simply getting into the college of your dreams is exhausting. Hours upon hours of applications can drain the life out of you. But donââ¬â¢t grow weary and accept the first money offered to you without fully understanding the interest rates, origination fees, and repayment schedule associated with it. Knowledge is power. Fully understanding the moving parts of your loan, specifically what is happening your interest and principal balances while youââ¬â¢re in school, will go a long way in guiding your repayment strategy. I let my student loans accumulate an additional $25,000 in interest while in school because I was naà ¯ve to the fact compound interest can apparently work against you, too. An avoidable mistake I could have mitigated (or even eliminated) by simply making small payments while in school. Related: Understanding Student and Parent Loan Options for College Student Loans Arent Bad, But Dont Wholly Rely On Them This was absolutely my biggest mistake. While financial circumstances among college attendees are not all the same, I made mine worse by taking absolutely no initiative when it came to paying for college outside of student loans. To be fair, there wasnââ¬â¢t much for me to really do. My mother did me the enormous favor of helping get all of my student loans (all $114,101.59 of them) squared away before ever setting foot on campus each semester. I donââ¬â¢t mean that sarcastically either. It truly was a huge help. The huge downside was that it kept me in the dark to the reality playing out behind the scenes. You donââ¬â¢t know what you donââ¬â¢t know. Unfortunately, students loans were my only option. Due to my parentsââ¬â¢ income, I wasnââ¬â¢t eligible for any other type of financial aid and there was really no money saved to pay for me to attend college. This is not a great position to be in. My parentsââ¬â¢ great credit history enabled me to overcome this catch-22. By leveraging it, I immediately became eligible for every loan I applied for despite no credit history of my own all because they co-signed. It truly was ââ¬Å"easyâ⬠money. (I donââ¬â¢t think my parentââ¬â¢s even fully understood the financial risk they were taking on. They, like so many Americans, assumed that once I graduated from college, Iââ¬â¢d just pay the loans back). But having access to easy money didnââ¬â¢t stop after four years at a popular state university. It took me four and half years, and then, given my relatively restrictive choice in major (biology), I made the unenviable choice to go back and get my associateââ¬â¢s degree in nursing ââ¬â and then back again for my bachelorââ¬â¢s in nursing. Nine total years of deferred payments. Nine total years of deferred interest. $100,000+ in loans that landed me an entry-level job making $36,000/year. Now, looking back, Iââ¬â¢ve realized what wasnââ¬â¢t painfully obvious then: I should have thoroughly researched available grants. I should have looked for and applied to applicable scholarships. I should have left no stone unturned. Anything to reduce what became almost four yearsââ¬â¢ worth of salary. Be unashamed in your avoidance of student loans. Then, when you have no other options, use them to fund the difference. Related: 12 Steps to Take If You Havenââ¬â¢t Saved Enough for College College Credit Was No Friend of Mine And on that note, nor was community college. You see, I had the opportunity in high school to accumulate significant college credit due to AP classes. I even took AP classes to take advantage of GPA benefits ââ¬â up to 5.0 on a traditional 4.0 scale. What I did not do, however, was actually take the AP exams to get the college credit. That is the epitome of stupid. Apparently my Saturday afternoon plans back in high school were more important. If understand the extra workload associated with AP classes, and are comfortable in taking it on, consider taking classes you know might benefit you later. Sciences, English, math, and even foreign languages ââ¬â nearly all of them are stepping stones to a college degree. Be responsible with your course load, but even a few credits carrying over can save you thousands of dollars. And where AP classes fall short, you can pick up those credits by attending community college. At nearly ââ¦â the cost of the average state university, any credit you acquire towards a planned degree can result in large cost savings. Possible ways to receive college credit while in high school (or before college): Dual enrollment programs. May vary widely by state depending on pre-arranged relationships with local community colleges (some classes can be taken online, at local campuses, and even within your high school itself during your normally scheduled hours). Take college classes (at a local community college) while in high school. This will again vary by state but some students may choose to fast-track their college experience by taking classes at night, on weekends, or even the summer before a traditional degree program begin. If you have your heart set on a four-year school, consider finding a local community college and looking at their transfer guide. With dual enrollment, you can knock out dozens of credit hours at a fraction of the cost, helping to reduce your loan principal by possibly tens of thousands of dollars. Related: Paying for a Brand Name College or Not? Dont Apply to the Wrong School Part of the reason I wasnââ¬â¢t able to finish within a four year time frame was the roundabout way I approached my degree. I started off on the wrong foot by applying to the wrong ââ¬Å"school. Let me clarify: The college I attended was fine; it was the school within the school where I chose wrong I applied to University Studies. Alias: undecided. Aka, no school at all. At the particular college I attended, you were required to apply to individual schools within the college to officially pursue a degree. For instance, if you wanted to become an engineer, you applied to the School of Engineering. If you didnââ¬â¢t explicitly declare a major, you were placed into a University Studies degree program which allowed you to ââ¬Å"exploreâ⬠several different degree programs. This, however, is a bit of a trap because it leads you to take more classes (and spend more money) than you would have had you declared a major earlier. For example, I got the brilliant idea that during the first two years of school (of my proposed four-year experience), I was going to take all the prerequisites required to get into my schoolââ¬â¢s respective Business, Engineering, and Science colleges. That way, when I finally figured out what I wanted to do with my life, I could select the school that made the most sense for me. Thatââ¬â¢s a super great idea in theory. Until youââ¬â¢re way behind in every. Single. Program. About halfway through my sophomore year I finally settled on majoring in biology. Since I hadnââ¬â¢t taken all of the biology classes most declared majors would have up until that point, I decided to take summer classes to catch up. A few summer sessions later I had closed the gap, but still had to take a higher than average course load throughout my junior year to fully catch up. You see where the student loan addiction is starting to come in? Easy money made it easy to keep taking classes while the bills kept racking up. Not everyone knows what they want to do in life by the time they turn 18. And if you end up switching majors, thatââ¬â¢s okay. But have some semblance of a plan for what you want to do. Throwing dirt at the wall and hoping something sticks is definitely not the right the approach when it comes to taking college classes. It winds up being some really, really expensive dirt. Lastly, Consider Getting a Job Or a side hustle. Anything you can reasonably do to generate income while youââ¬â¢re in school. Look for common sense ways to save money. Anything you can do to start stashing away money beyond the everyday expenses you need to get through school. Think of it as a retirement fund for paying back your school loans. The account is made of lava and youââ¬â¢re not allowed to touch it ââ¬â unless itââ¬â¢s to pay off interest or loan principal. Now, that said, work shouldnââ¬â¢t get in the way of classes. Your primary ââ¬Å"jobâ⬠is to complete your degree to the best of your ability so that youââ¬â¢re well-positioned to hit the job market running. A few hundred dollars coming in each month will give you extra breathing room, but trading work for school defeats the purpose of higher education in the first place. Start slow and set firm work/hour boundaries with your boss. If your time management skills hold tough, you can gradually increase your hours to continue helping offset the cost of college. In Review Being shielded from the student loan process pulled the proverbial wool over my eyes to how to world really works. I ended up taking the ââ¬Å"out of sight, out of mindâ⬠approach to my loans and that proved costly. When it was all said and done, I had earned two bachelorââ¬â¢s degrees, but I paid an additional $25,108.59 in interest and the balance only stayed that low because I was exceptionally aggressive about paying them off. But it didnââ¬â¢t have to be that hard. I made a lot of very avoidable mistakes. Choosing loan-only funding opportunities, picking the wrong ââ¬Å"schoolâ⬠, changing majors, and going for far too many semesters it all added up. Needless to say, this horror movie isnââ¬â¢t one Iââ¬â¢d like a sequel to any time soon. Or ever. Related: What I Wish I Knew About Paying for College
Monday, May 25, 2020
Womens Role in Society in Pride and Prejudice, by Jane...
Over the centuries, womenââ¬â¢s duties or roles in the home and in the work force have arguably changed for the better. In Pride and Prejudice, Jane Austen teaches the reader about reputation and loves in the nineteenth and twenty-first centuries by showing how Elizabeth shows up in a muddy dress, declines a marriage proposal and how women have changed over time. Anything a woman does is reflected on her future and how other people look at her. When Elizabeth shows up to the Bingleyââ¬â¢s in a muddy dress they categorize her as being low class and unfashionable. Charles Bingley, a rich attractive man, and his sister had a reputation to protect by not letting their brother marry a ââ¬Ëlow class girlââ¬â¢. Reputation even today and back in the nineteenthâ⬠¦show more contentâ⬠¦The richest, best looking men were usually married off first that is why when Mr. Bingley came to town everybody introduced their daughters to him and his family. Mrs. Bennet say to her husband Mr. Bennet, who usually ignored her, ââ¬Å"It is truth universally acknowledged that a single man in possession of a good fortune must be want for a wifeâ⬠(Austen 1-2) A rich man did not need a wife as much as a woman needed a man. A rich single good looking man, like most of the bachelors in the novel, was every girls dream; a girlââ¬â¢s father could only introduce his daughter to a man. In the novel Mrs. Bennet begs her husband to introduce their girls to Charles Bingley, even though Mr. Bennet already met up with Mr. Bingley and already had plans for him to meet his daughters. A girl or mother were not allowed to introduce themselves to a man, when Mrs. Bennet says to her husband ââ¬Å"It will be no use to us, if twenty such come, since you will not visit themâ⬠(Austen 32) Only being able to meet someone through a fatherââ¬â¢s approval and introducing of his daughters shows how powerless women were in the fact they could not make their own decisions. At the t own ball the Bingleyââ¬â¢s and Mr. Darcy arrive late but almost instantly noticed by every family, with a daughter, in the room. Mr. Bennet took this opportunity to introduce all his daughters in front of his wife. After Mr. Darcy,Show MoreRelatedPride And Prejudice By Jane Austen933 Words à |à 4 PagesJane Austenââ¬â¢s Pride and Prejudice was first published in 1813(Gary vii) a time when women had ââ¬Å"few legal and economic rights or even receiving little respect, women can be seen as oppressed victims of a patriarchal society, subordinate first to their fathers and, then, to their husbands who had, of course, been selected by their fathersâ⬠(Swords, 76-82). At first glance one might think that Pride and Prejudice reinforces sexist stereotypes, however upon further examination of Jane Austen and herRead MoreJane Austen s Pride And Prejudice1693 Words à |à 7 Pagesand attributes presented. Jane Austenââ¬â¢s 1813 novel Pride and Prejudice and Fay Weldonââ¬â ¢s 1993 epistolary text Letters to Alice, both challenge the worth of their time as contexts change, but values are upheld. Weldonââ¬â¢s reflection on Austenââ¬â¢s nineteenth century environment, conveys to responders how marriage, gender roles and social class continue to be relevant issues in both regency times and the modern world. Through witnessing Aunt fayââ¬â¢s commentaries on the world of Austen, responders are providedRead MoreAn Annotated Bibliography Of Jane Austen s Pride And Prejudice 1561 Words à |à 7 PagesGoing Against the Societal Norm in Pride and Prejudice: An Annotated Bibliography Thesis: Throughout the text of Pride and Prejudice, Jane Austen challenges gender and social norms in the Georgian Era through the development of Elizabeth Bennet as she interacts with characters in the novel. Greenfield, Susan C. THE ABSENT-MINDED HEROINE: OR, ELIZABETH BENNET HAS â⬠¦Ã¢â¬ ¦A THOUGHT. Eighteenth - Century Studies, vol. 39, no. 3, 2006, pp. 337-350,419-420, â⬠¦Ã¢â¬ ¦Arts Humanities Database, â⬠¦Ã¢â¬ ¦.http://ncliveRead MoreSocial Commentary on Love and Marriage in Pride and Prejudice by Jane Austin1734 Words à |à 7 PagesPride and Prejudice Love and Marriage Jane Austen shows the readers within the first sentence what the plot and main theme of Pride and Prejudice is and what social ideas she plans on presenting through this novel. The first sentence of Pride and Prejudice stands as one of the most famous introductory lines in literature. It states, ââ¬Å"it is a truth universally acknowledged, that a single man in possession of a good fortune must be in want of a wifeâ⬠(Austen 5). This statement puts the novel inRead MoreJane Austenââ¬â¢s Novel Pride and Prejudice Essay874 Words à |à 4 PagesRecipe for Happiness ââ¬Å"A large income is the best recipe for happiness I ever heard ofâ⬠(Austen). The bluntness of this quote fully encompasses the main theme of an advantageous marriage for the English novelist, Jane Austen. Her realism, biting irony and social commentary have gained her historical importance among scholars and critics (Southam). Austenââ¬â¢s major novels, including Pride and Prejudice, were composed between the years 1795-1815. During those twenty years England was at the height ofRead MoreJane Austen s Pride And Prejudice1434 Words à |à 6 PagesJane Austenââ¬â¢s Pride and Prejudice was considered a radical novel back in 1813 when she wrote and published the piece. It is a social commentary on the treatment and societal standards of women, as well marriage expectations at the turn of the 19th century. Austen criticizes the patriarchal society, materialism, double standards of men and women by centering the book around Elizabeth Bennett, a young woman of decent mean s who does not understand the reason for the pressure to find a suitable husbandRead MoreComparative Study: Letters to Alice and Pride and Prejudice1502 Words à |à 7 Pagesportrayed in Pride and Prejudice are creatively reshaped in Letters to Alice. The two texts, Letters to Alice and Pride and Prejudice, mirror and contrast the central values shared and explored by evaluating them; presenting them against Jane Austens context and that of Fay Weldon. Mirroring Austens novel, Weldon presents the central values for women such as the social values of moral behaviour, independence, and, literary values of reading and writing, from Pride and Prejudice and adapts themRead MoreJane Austen s Pride And Prejudice1697 Words à |à 7 Pagesan Oppressive Society Jane Austen once said, ââ¬Å"it is a truth universally acknowledged, that a single man in possession of a good fortune, must be in want of a wifeâ⬠(Austen 1). In other words, women of the nineteenth century were deemed dependent on men. They were to join an advantageous marriage to remain respectable and achieve a higher social class. Jane Austenââ¬â¢s Pride and Prejudice concerns the social norms of the eighteenth and early nineteenth centuriesââ¬âa patriarchal society ruled by men whoRead MoreJane Austens Pride and Prejudice Essay1276 Words à |à 6 PagesPride and Prejudice Essay: Own Prompt #8-The Obscurities of the Victorian Society In Pride and Prejudice, Jane Austen satirizes the superficially built society in Victorian Era by pointing out the flaws with the recurring themes of marriage versus love and gender roles through dramatic irony and character relations. All relationships and the idea of true love tend to be obscured by this materialistic society that is based on wealth, power, title, and connections. Jane Austen constantly paintsRead MoreComparing The Representation Of Women s The Yellow Wallpaper And Pride And Prejudice 1662 Words à |à 7 Pagesrepresentation of women in Gilmanââ¬â¢s ââ¬ËThe yellow wallpaperââ¬â¢ and Austenââ¬â¢s ââ¬Ëpride and prejudiceââ¬â¢. To what extent do you agree with the view that Gilman presents conventional patriarchal expectations of women, more critically than Austen. Both Austen and Gilman breakthrough the conformity of femininity at a time of rising feminism in a bid to encourage the female viewpoint which was put down or rather shunned to be less valuable by the society they lived in. Gilman however presents it in a more peculiar and
Subscribe to:
Posts (Atom)