Student Loan Summary free essay sample

Student Loan Summary Christine Downey FP/101 August 15, 2010 Griselle Forte What are some future consequences of borrowing too much debt? Some of the most telling future consequences of borrowing too much debt would be evictions, foreclosures, declaring personal bankruptcies, wage garnishments, divorces, emotional break downs, higher than normal interest rates on loans, rejection of application for loans, ruined credibility, savings and retirement plans wiped out, and an undesirable credit report and score. Debt affects people in ifferent ways and has a major impact on the life of each individual. It often determines how they will be able to live their lives. There are only two ways to acquire things that you cannot afford to pay out of pocket. Save until you have accumulated enough money to buy, or borrow the money with the promise you will pay the money back with interest over time. When borrowing, the best thing for anyone to do is always borrow money they are sure they can repay, be prompt in their payments, and pay more than the minimum amount to avoid future financial onsequences in your life than you have already. We will write a custom essay sample on Student Loan Summary or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page How do you plan on repaying your student loans? Regarding the Stafford Loan that is offered to University of Phoenix students, you have six months following college graduation before repayment of your student loan begins. After this time, you are responsible for the regular monthly payments, which were originally agreed upon between the student and the lender. This grace period should be used wisely. The goal of a student at this point, is to secure a Job that llows him or her to reasonably manage all of their monthly bills, including their student loan. If a problem should arise where you cannot make ends meet during your grace period, immediately contact your financial advisor to aid you in modifying your repayment terms. I have opened a separate savings account strictly for college that I contribute to each week. It is better to set some money aside to cover repayment of my student loan than to feel the full financial burden when it is due. So much of the loan process is planning. All you do is plan when it comes to finances. You have to plan out your expenses to make sure you can afford your tuition bill. When you cannot afford tuition in its entirety, you geta student loan to cover the cost. If you are smart, while you are in college you can plan how to repay your loan. Once you graduate, you can work on getting a Job that allows you to afford all of your expenses and make repaying your student loan less painful. One positive thing you can do to keep your student loans under control is to learn the est way to manage your hard-earned money while you are in college: Financial discipline. Do not borrow more than you need. Frugality can help you reduce the amount of the loan you applied for, as well as the amount you are going to be responsible for repaying. Plan a financial budget and live by it. Keeping your finances under control (with the help of being currently employed) should enable you to set money aside for repayment of your student loans when they come due. Once that kicks in, you have an opportunity to make further productive use of your student oan, beyond getting your degree; Making it a positive force in your credit history. Using your loan to create a positive credit history is as simple as making your payments on time and in doing so, your responsible behavior is reported to the credit report agencies, keeping your credit score at a good level rather than making it a lower score. Your student loan debt presents you with an opportunity. With proper knowledge and confidence, you can make the most of this opportunity, and establish yourself firmly in the realm of the responsible, moving steadily towards your lifestyle goals.

Phillis Wheatley, One Of Americas Most Profound Writers, Has Co

Phillis Wheatley, one of Americas most profound writers, has contributed greatly to American literature, not only as a writer, but as an African American woman, who has influenced many African Americans by enriching their knowledge of and exposure to their Negro heritage and Negro literature. As one of Americas most renown writers, Wheatley, said to be the mother of African American Literature, is best known for her sympathetic portrayals of African American thought. Wheatleys literary contributions are vast in nature and distinguish her apart from most writers of her era. Her writings have helped in the molding of the African American tradition and are favored by people of all ethnic backgrounds. Phillis Wheatley was born on the West coast of Africa. Her exact birthplace is unknown; however it is assumed that she was born near Senegambia, a territory that today is divided between the nation of Senegal and Gambia. Wheatleys birthplace is assumed to be near Senegambia because it was in this territory that Wheatley and others were introduced into the vile conditions of slavery. Kidnapped by slave agents at the age of seven, young Phillis had to endure the struggle to America alone. "Frail young Phillis probably survived the grim voyage to America only because she was in a loose pack. If she had been part of a tight pack she might not have survived" (Franklin, 223) Phillis Wheatley arrived in Boston Massachusetts in 1761 at the age of eight. It was undoubtedly here where she was first exposed to the harsh conditions of the South. On the "stalls and auction blocks at the slave market", a wealthy Caucasian woman, named Susannah Wheatley purchased Phillis as "her personal servant an d companion" (Loggins,98). Phillis Wheatley acquired her last name from Susannah Wheatley--it was the norm during this time period for slave owners to give their slaves their last names. She was named Phillis ironically "after the ship that brought her to slavery" (Loggias, 101). As a child, Phillis Wheatley was blessed with the gift to recite poetry. Wheatley quickly mastered the English language as well as Latin, and soon began to write verses. During this time, is was uncommon for slaves to be as literate and proficient in the English language or any other language, as Phillis Wheatley was. Wheatley not only knew how to comprehend the language, she also knew how to write the language. This accomplishment made it evident that slaves were equally as intelligent if not more than their slave owners and perfectly capable of understanding any concept. Within sixteen months of her arrival, she was reading astronomy, geography, history, and British literature. Wheatley was able to break a language barrier that had held so many others of her race back. Her desire for learning increased and the quest for knowledge became embedded in her spirit, mind, and soul. By her teenage years, Wheatley was a well known author, reciting poems for the New England elite in homes w here blacks could not even sit at the table with whites. Phillis Wheatley made many contributions to American literature. Other than successfully representing and expressing the feelings of anger, frustration, and impatience of African American people abroad, she has paved the way for young aspiring African American writers. In 1771, Wheatley composed her first major work, "On an elegy to evangelist George Whitefield." After realizing Wheatleys potential for excellence, Susannah Wheatley arranged a London publication of Wheatleys poems. As a result of this, prominent Bostonians verified the books author as being Black. Britons praised the book, but criticized Americans for keeping its author enslaved. At this time, Americans were only interested in benefiting White America, and were not prepared for the fact that Britons would criticize their slave policy. In 1774, she wrote a letter repudiating slavery, which was reprinted and distributed throughout New England. The fact that she was able to publicly denounce slavery is evidence of influe ntial voice as an African American during this time. In 1775, Wheatley wrote "Reply" which was the first recorded celebration of African American Heritage by an African American. Wheatleys popularity among the elite of Massachusetts grew rapidly. As the first African American to compose a book of imaginative writing, Wheatley is the originator of the African

Sample Essay For Immigrants - How to Write a Good Essay

Sample Essay For Immigrants - How to Write a Good EssayWhen writing a sample essay for immigrants you will need to spend some time getting things right. Many writers make the same mistakes and in the end it makes it difficult to write a great essay. This is why so many students make the same mistakes when writing their first sample essay for immigrants. It is important that you read the guidelines carefully to avoid making these mistakes.One of the most common mistakes that students make when writing a sample essay for immigrants is that they use the wrong language. While it is important to know what your target audience is, you do not want to use language that is only familiar to them. Some of the most common mistakes include using the wrong slang for some of the ethnic groups that are written about. In addition, the tone of voice and speech is also something that should be careful with as well.You will need to have some basic English to write this kind of a story and you will need to do well at least by learning some new language. The easiest way to get started is to start off with a simple story. It is important that you are able to get across your message clearly to your audience and a short story can help you start with this task.You must know that your readers must have a logical reason for wanting to leave their home country. They need to have a reason for leaving the current situation and moving to a new one. Of course, the reason must be relevant to the writing and your topic. If it is not, your essay will not be able to stand on its own.When writing a sample essay for immigrants, you need to be careful about tone. You will want to be careful that your language is not too harsh or too polite and that you are not too informal. You may want to write a sentence or two that has the reader's attention and then move on to the next section of the essay.In addition, when writing a sample essay for immigrants, you must not go into great detail about the country where the family came from. After all, it is unlikely that anyone from that country would want to recount all of the details about their old life. They will likely feel uncomfortable about any personal information being shared with anyone else.In the essay, you must make sure that you focus on the positives. Many people who want to write a great essay will focus on the negative aspects of the past. They tend to avoid the positives of their past. This will make it difficult for them to write a good essay for immigrants.You must be able to communicate with your audience. By focusing on the positives and the positive aspects of their past life is the best way to do this. They will be more likely to connect with you when you focus on the positives instead of focusing on the negatives. Additionally, you must be able to speak from experience because if you are not from their place of origin then you will need to do a lot of research and know a lot about their country to be able to write a good essay for immigrants.

Canada and Cannabis Prohibition Essays

Canada and Cannabis Prohibition Essays Canada and Cannabis Prohibition Essay Canada and Cannabis Prohibition Essay The prohibition of cannabis needs to stop, now. In Canada, possession of any quantity of cannabis is illegal and punishable by up to six months in federal prison, unless it has been prescribedby a doctor. Recreational cannabis should be legalized in Canada because it will reduce criminal activity, it is already very commonplace in society, it is a very effective and safe alternative to many modern medications, and it will bring in billions of tax dollars to the government. The legalization of recreational cannabis use would drastically alter the criminal justice system. It is no secret all prisons are overcrowded. According to an infographic recently released by the Federal Bureau of Prisons, over 50 percent of inmates currently in federal prison are there for drug offenses. To put things into perspective, in 1970, only 16 percent of inmates were drug offenders. â€Å"Between October 2012 and September 2013, 27.6 percent of drug offenders were locked up for crimes related to marijuana, followed by powder cocaine (22.5 percent), methamphetamine (22.5 percent), crack cocaine (11.5 percent), heroin (8.8 percent) and other (7.2 percent), according to the Sentencing Commission.† (Miles ). Legalizing recreational cannabis would cut down on half of all drug-related arrests. Instead of having these mostly innocent men and women locked up, they could be could be contributing to society and paying taxes. If any skepticism arises when the fact that legali zing cannabis would have a positive impact on the criminal system, just ask Colorado. All forms of cannabis use were legalized in January of 2014 in the state of Colorado, and they are enjoying the benefits: â€Å"Just three months after Colorado voters helped pass the legalization of cannabis, Denver is enjoying a 14.6% decrease in crime from the same time last year† (Sarich ). Legalizing recreational cannabis would reduce crime rates and save the failing prison system. Moreover, cannabis use i

LITTLE Surname Meaning and Origin

LITTLE Surname Meaning and Origin Little is a common  descriptive  surname often bestowed on someone who was of short or petite stature,  from the Middle English littel  and  Old English lytel, meaning little. In some cases the surname may have been used to denote the younger of two men of the same name.  KLEIN is the German variant and PETIT the French variant. Alternate Surname Spellings:  LITTLE, LITEL, LITTELL, LITTLE, LYTEL, LYTELL, LYTTELLE, LITTELLE, LYTLE, LYTTLE Surname Origin: English   Where in the World Do People with the LITTLE Surname Live? According to surname distribution data from Forebears, Little is a fairly common surname in most English-speaking countries, including the United States (where it ranks 276th), New Zealand (243rd), Australia (262nd), Scotland (256th), England (331st) and Canada (357th). Within England, Little is most common in the northern counties, especially Cumberland where it is the 11th most common last name. WorldNames PublicProfiler  indicates that in the United Kingdom,  Little is  most common in Cumbria County, England; Dumfries and Galloway, Scotland; and  Fermanagh, Northern Ireland. Within North America, Little is especially common in Nova Scotia, as well as the U.S. states of North Carolina and Mississippi.   Famous People with the LITTLE Last Name Lewis Henry Little - American  Civil War Confederate brigadier generalMalcolm Little - birth name of Malcolm X, African-American human rights activist  Arthur Dehon Little - American chemical engineerJean Little - Canadian writer Genealogy Resources for the Surname LITTLE Little Surname DNA ProjectThis DNA project was started in 2001 and has grown to include over 300 members with the surnames Little, Klein, Kline, or Cline interested in working collaboratively to combine genealogy research with DNA testing to sort out Little family lines. English Surname Meanings and OriginsUncover the meaning of your English last name with this guide to English surname meanings and origins. How to Research English  AncestryLearn how to research your English family tree with this guide to genealogical records in England and Wales, including birth, marriage, death, census, military and church records. Little Family Crest - Its Not What You ThinkContrary to what you may hear, there is no such thing as a Little  family crest or coat of arms for the Little surname.  Coats of arms are granted to individuals, not families, and may rightfully be used only by the uninterrupted male line descendants of the person to whom the coat of arms was originally granted.   LITTLE  Family Genealogy ForumSearch this popular genealogy forum for the Little surname to find others who might be researching your ancestors, or post your own Little genealogy query. FamilySearch - LITTLE GenealogyExplore over 2.7 million  historical records which mention individuals with the Little surname, as well as online Little family trees on this free website hosted by the Church of Jesus Christ of Latter-day Saints. GeneaNet - Little  RecordsGeneaNet includes archival records, family trees, and other resources for individuals with the Little surname, with a concentration on records and families from France and other European countries. DistantCousin.com - LITTLE  Genealogy Family HistoryExplore free databases and genealogy links for the last name Little. The Little  Genealogy and Family Tree PageBrowse family trees and links to genealogical and historical records for individuals with the last name Little  from the website of Genealogy Today. - References: Surname Meanings Origins Cottle, Basil.  Penguin Dictionary of Surnames. Baltimore, MD: Penguin Books, 1967. Dorward, David.  Scottish Surnames. Collins Celtic (Pocket edition), 1998. Fucilla, Joseph.  Our Italian Surnames. Genealogical Publishing Company, 2003. Hanks, Patrick and Flavia Hodges.  A Dictionary of Surnames. Oxford University Press, 1989. Hanks, Patrick.  Dictionary of American Family Names. Oxford University Press, 2003. Reaney, P.H.  A Dictionary of English Surnames. Oxford University Press, 1997. Smith, Elsdon C.  American Surnames. Genealogical Publishing Company, 1997. Back toGlossary of Surname Meanings Origins

SSADM Research Paper Example | Topics and Well Written Essays - 1750 words

SSADM - Research Paper Example (Structured systems analysis and design method.2007) moreover, the SSADM is a system that helps to examine the information system as, well as to design pertaining system. Since 1980, the SSADM (Structure System Analysis & Design Method) technology was produced for the CCTA. In addition, this technology was related to UK government organizations that implement the SSADM technology. However, â€Å"SSADM† and â€Å"Structured System Analysis and Design Method† is a Registered Trade Marks of Office of Government Commerce (OGC) that is located in the United Kingdom’s Treasury (Great Britain Treasury Central Computer and, Telecommunications Agency, 2000). In order to make possible information system design, the SSADM technology relies on waterfall model to reach the destination. The SSADM can be originate as a core element for defined documented approach regarding system designing and help to evaluate an updated Rapid Application Development procedure such as DSDM. Dur ing development and growth, the SSADM is following a waterfall life cycle model that incorporates physical design stage study. In addition, the analysis stage includes intense association needs in SSADM. From every stage, the users are prepared to sign off guaranteeing that the requirements are satisfied. Furthermore, a number of illustrative representations related to the system are provided to the users in order to ensure better data understanding. The development projects related to the SSADM are further divided into series of phases, units, periods and tasks. Moreover, the data modeling is considered as a first model that is developed in SSADM. 2 SSADM Aims and Objectives In order to identify and classify projects that are suitable for SSADM project management, the SSADM will offer a framework. The SSADM in reality separates the projects that are related to the project development into small elements, project steps and procedures. The objectives of SSADM are mentioned below: Pro ject management is enhanced along with connected institutions. Better and improved usage of both skilled and unskilled employees. Enhanced and important systems are guaranteed. Employees’ loss is considered in all projects. Projects are assisted by computerized tools such as, integrated application engineering systems. A framework is formed for improved communication between the members of project. This framework incorporates all the tools related to the software development life-cycles, production stages and physical application design. 3 SSADM Advantages and Disadvantages SSADM leverages many benefits by using different techniques for determining visibility and capability of information systems. These techniques are considered as one of the major benefits of SSADM. Moreover, the identification of entities along with their relationships established within the system is tested by logical data modeling techniques. Moreover, logical data modeling technique shows changing data f rom its original state to the updated one. Furthermore, it also holds space for entities that are transmitted via routes that manages data flows within the system. Moreover, credentials pertaining to event modeling define the entities and their impact on business information systems. Consequently, these techniques encompassing perspectives and processes provides the most complete and to the point model.

Canton City School District Term Paper Example | Topics and Well Written Essays - 2000 words

Canton City School District - Term Paper Example It is also possible that some or all of the group members could have poor communication skills; thus making the efficiency of the team poor. Canton City School District runs many public school institutions that serve a large number of students in the U.S. The schools range from elementary, middle, to high schools. The schools have different administrations that work to provide the children who enroll in them with quality education. In a study conducted recently, it was established that the group of institutions have been performing below their expected standards due to several reasons. These reasons include role conflicts among the administration groups, poor communication, lack of cohesiveness in groups with diverse members, and excessive conflicts in the groups. This paper will discuss how each of the identified problems could impact a group’s productivity. Role conflicts within groups Role conflicts in groups are common phenomena. While some roles may be well spelt out in t erms of the competence level required, some could be handled by all the members of the selected groups. Normally, people like to take up the roles that are less physically and mentally demanding while they are working on a group project. This becomes a great challenge when the members of a given group refuse to take up on some of the tasks that they are assigned. In some groups, the leaders may choose to assign the challenging tasks to specific people. Picking on team members may be a manifestation of rivalry at work, which has adverse effects on the performance of the human assets (Gaunt, 2011). There are many negative results that emanate from role conflicts within a group. First, the competence level that employees apply while working on conflicted tasks is rarely high enough to give the required results. When some of the members feel like they have been treated unfairly in the allocation of group tasks, they get demoralized to give their best performance (Gaunt, 2011). Second, w hen a group disagrees about the roles in the group, the organization of the group becomes dysfunctional. Most groups disagree about the leadership roles. Everyone in a group may be striving to assume leadership so that they can have the authority and power to boss the rest of the group. In other cases, there may be parties in the group who do not approve of some leaders. This breaks down the cooperation factor that is required in a group. Group conflicts slow down the rate at which the team works on the designated assignment. The members spend more time arguing things out rather than working on the relevant activities. The competence level of the members is also significantly lowered since they lack a motivating factor within the group. This eventually translates to poor performance or total failure in the delegated duties. Members of the conflicting group create rivalry and enmity among themselves and this cripples their ability to articulate ideas. Role conflicts within a group ha ve caused many organizations to fail in the realization of the major stakeholder’s objectives (Gaunt, 2011). Communication problems Communication is a vital aspect of any group work. The members of the group need to have good communication skills so that they can effectively forward their ideas to the rest of the members. Whenever there is a communication breakdown within a group, the members are not able to effectively cooperate when handling the