Yakamashii A Japanese Word

The Japanese word yakamashii, pronounced yah-kah-mah-shee, means noisy or clamorous. Depending on the context, it may also mean faultfinding or critical. This is a very complex word that has even a third set of meanings: much-discussed or particular. Japanese Characters や㠁‹ã  ¾Ã£ â€"㠁„ Example Mika wa tabemono ni totemo yakamashii.ç ¾Å½Ã© ¦â„¢Ã£  ¯Ã© £Å¸Ã£  ¹Ã§â€° ©Ã£  «Ã£  ¨Ã£  ¦Ã£â€šâ€šÃ£â€šâ€žÃ£ â€¹Ã£  ¾Ã£ â€"㠁„。 Translation:  Mika is very particular about food.

`` Marbles `` An Artist s Struggle With The Effect Of...

In Marbles, Ellen Forney shares the story of an artist’s struggle with the effects of bipolar disorder on her abilities. Initially afraid of confronting the possibility that choosing to control her condition may extinguish her creativity, Forney chooses to isolate her experience from those of others. This fear and the resulting loneliness being unsustainable, Forney eventually makes the decision to explore the work of others and finds comfort in their experiences. Ultimately, she constructs her own work as a form of therapy that can help her come to terms with her own bipolar disorder, definitively resolving the question of whether it is possible to be a stable yet creative artist. In this context, Forney theorizes her memoir as a form of company in order to embrace her unrelenting condition as being an essential part of her identity. Forney’s suffering arises not just from the symptoms of her bipolar disorder, but from the self-isolation that results from her fear of losing her creativity. After her diagnosis, Forney characterizes herself as a â€Å"rock star† cheerfully eating an energy bar and casually tossing Klonopin into her mouth (28). With the same carelessness, she begins reading Kay Jamison’s memoir, a story by a psychologist who suffers from the same disorder as she. Here, Forney’s face shows a dismissive skepticism, betraying her adamant refusal to let her disorder â€Å"dictate everything in [her] life† (27-28). Her reasons for this refusal become readily apparent when we

Financial Statement Free Essays

Financial Statement Companies use several tools such as a balance sheet to make sound business decisions. A balance sheet is a quantitative summary of a company’s financial condition at a specific point in time, including assets, liabilities and net worth. The first part of a balance sheet shows all the productive assets a company owns, and the second part shows all the financing methods (such as liabilities and shareholders’ equity) Also, called statement of condition. We will write a custom essay sample on Financial Statement or any similar topic only for you Order Now On a balance sheet, assets are equal to the sum of liabilities, common stock, preferred stock, and retained earnings. Another tool used by companies to make decisions is a company’s Income statement. An income statement is an accounting of sales, expenses, and net profit for a given period. The purpose of this report is to view the company’s performance (profits and losses) over a designated period of time. It lists the company’s revenues and its debts during operational and non operational periods. The balance sheet works in conjunction with the income statement: both deals with matters that concern investors. The next tool used is called a retained earnings statement. A retained earnings statement is a financial statement that lists a firm’s accumulated retained earnings and net income that has been paid as dividends to stockholders in the current period. Also can be known as, statement of retained earnings. It is important for everyone to understand that retained earnings do not represent surplus cash or cash left over after the payment of dividends. Rather, retained earnings demonstrate what a company did with its profits; they are the amount of profit the company has reinvested in the business since its inception. These reinvestments are either asset purchases or liability reductions. Next in line is the statement of Cash flows. Statement of cash flows is a summary of a company’s cash flow over a given period of time. What can the statement of cash flows tell us? It’s simple, because the income statement is prepared under the accrual basis of accounting, the revenues reported may not have been collected. Similarly, the expenses reported on the income statement might not have been paid. You could review the balance sheet changes to determine the facts, but the cash flow statement already has integrated all that information. As a result, savvy business people and investors utilize this important financial statement. A company also uses comparative statements to track gains, losses, and trends over a given time period. This allows that company to forecast future performance in order to make sound business decisions. Viewing and researching how a company did last year, or the year before, or an average over the past five years can ease doubt, assist with finding solutions, and either make or break a company’s financial future. References †¢This is the site used for definitions under financial statements, http://www. investorwords. com/1957/financial_statement. html †¢This is the site I read about each topic, some topics are in other topics. http://www. accountingcoach. com/explanations. html How to cite Financial Statement, Papers Financial Statement Free Essays In this week, learning and understanding how import the financial account in the company’s financial performance is very important in becoming a manager. This account, records all financial information to which management, creditors, stockholders, potential investors and regulatory agencies understand the financial consequences of a company’s decision and actions. Whether the company has an increasing revenue or losing assets, the company’s credit worthy ness, complying with taxation and regulation of the agencies and government, financial statement is data recorded of the company’s activities (Cleaves, Hobbs, Noble, 2012). We will write a custom essay sample on Financial Statement or any similar topic only for you Order Now In creating a financial statement, one must understand the three fundamentals. The first one is an income statement which commonly known as profit and loss statement. It shows the number of profits produced by the company over a given time, let say 1 year. By subtracting the sales or revenue from cost of goods sold to yield to profits. Balance sheet is the second statement which deliver a snapshot on a specified date of a firm’s financial position, giving its asset holdings, liabilities, and owner-supplied capital (stockholders’ equity). In an equation form, total debt (liabilities) plus total shareholders is equal to total assets. The total assets characterize the resources own by the company while liabilities and shareholder’s equity suggest how those resources had financed. By law, the company needs to report the amount of the company’s numerous assets in the balance sheet by using the actual cost of obtaining them to show the historical transaction at their cost. There are two types of analysis used in comparing information in the balance sheet, horizontal and vertical. Horizontal or trend analysis pertains to item by item comparison with a number of quarters within a fiscal year or other years. Vertical analysis uses percentage to compare an each item against total asset of financial statement. The last statement is cash flow recognizes the sources and expenditures of a company’s cash. In measuring cash flow, we can use two approaches, statement of cash flows and free cash flows or financing cash flows. Statement of cash flows identifies the bases and expenditures of cash that describe the change in the company’s cash balance reported in the balance sheet. Once the company has compensated all of its operating overheads and taxes and completed all of its investments, any residual cash is free to be dispersed to the creditors and shareholders. On the other hand, if the free cash flows are negative, manager will have to procure financing from creditors or shareholders (Keown, Martin Petty, 2014). How to cite Financial Statement, Papers Financial Statement Free Essays In this week, learning and understanding how import the financial account in the company’s financial performance is very important in becoming a manager. This account, records all financial information to which management, creditors, stockholders, potential investors and regulatory agencies understand the financial consequences of a company’s decision and actions. Whether the company has an increasing revenue or losing assets, the company’s credit worthy ness, complying with taxation and regulation of the agencies and government, financial statement is data recorded of the company’s activities (Cleaves, Hobbs, Noble, 2012). We will write a custom essay sample on Financial Statement or any similar topic only for you Order Now In creating a financial statement, one must understand the three fundamentals. The first one is an income statement which commonly known as profit and loss statement. It shows the number of profits produced by the company over a given time, let say 1 year. By subtracting the sales or revenue from cost of goods sold to yield to profits. Balance sheet is the second statement which deliver a snapshot on a specified date of a firm’s financial position, giving its asset holdings, liabilities, and owner-supplied capital (stockholders’ equity). In an equation form, total debt (liabilities) plus total shareholders is equal to total assets. The total assets characterize the resources own by the company while liabilities and shareholder’s equity suggest how those resources had financed. By law, the company needs to report the amount of the company’s numerous assets in the balance sheet by using the actual cost of obtaining them to show the historical transaction at their cost. There are two types of analysis used in comparing information in the balance sheet, horizontal and vertical. Horizontal or trend analysis pertains to item by item comparison with a number of quarters within a fiscal year or other years. Vertical analysis uses percentage to compare an each item against total asset of financial statement. The last statement is cash flow recognizes the sources and expenditures of a company’s cash. In measuring cash flow, we can use two approaches, statement of cash flows and free cash flows or financing cash flows. Statement of cash flows identifies the bases and expenditures of cash that describe the change in the company’s cash balance reported in the balance sheet. Once the company has compensated all of its operating overheads and taxes and completed all of its investments, any residual cash is free to be dispersed to the creditors and shareholders. On the other hand, if the free cash flows are negative, manager will have to procure financing from creditors or shareholders (Keown, Martin Petty, 2014). How to cite Financial Statement, Papers

Cliques and Clusters Social Stratification Among High School Teens free essay sample

I practically grew up on movies and shows that take place in a high school setting, and have always wondered what inspired movie directors to portray groups of individuals as â€Å"the jocks,† â€Å"the nerds,† â€Å"the freaks,† and â€Å"the mean girls.† Before starting high school, I was pretty convinced that this hierarchical caste system actually existed, and if I didnt earn myself a spot at the top of the social pyramid, my next four years in Brooklyn Tech would be nothing short of dreadful. Now being a senior and reflecting upon my last four years in high school, I’m starting to realize that my initial perceptions were completely flawed, mostly thanks to one of Hollywood’s most infamous myths: the high school from hell. Now, just because there isn’t an evident social hierarchy in place doesn’t mean that people don’t have particular groups of friends. They do, but judging by my experience, there isn’t one soc ial group that has dominance over all the others. We will write a custom essay sample on Cliques and Clusters: Social Stratification Among High School Teens or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In reality, everyone willingly intermingles with each other, whether it is due to common hobbies or interests or cultures or favorite Netflix shows. There isn’t any macho school bully that regularly picks on the geeks and nerds and steals their school lunch. Although there might be a few girls that are mean or unpleasant, there aren’t any â€Å"mean girls† that only wear pink on Wednesday. Yet, movies continue to portray the high school environment as some jungle, where there must be a queen and her â€Å"monkey say monkey dos†, a pack of gorillas, and all the other animals maintaining the status quo. When my senior year research teacher, Ms. Rowley, gave my class the option of studying any topic we wanted, keeping in mind that we would have to write a twenty page research paper on the topic by the end of the semester, I immediately knew I was interested in investigating Hollywood films and their influence on the social dynamics of teenagers. After brainstorming and conducting further research on this subject, I realized that Hollywood films and teen cliques don’t necessarily have a direct influence on one another, so comparing the two and treating them as two separate entities was my best bet. I would watch and rewatch classic high school films, such as The Breakfast Club and High School Musical, searching for common characteristics and quotes that may resonate with teenage audiences, and therefore inspire them to adopt the same personalities as their favorite characters. As I examined these movies, I thought to myself, â€Å"Do kids really believe that this is what high school is like?† I also read and analyzed various academic articles written by credible psychologists, authors, and sociologists, which introduced me to factors that played a more crucial role in teen networks than I expected: regionality, class size, participation in after-school activities and socioeconomic status. This information helped me decide the types of schools I wanted to focus on in my research. Region? New York City sounded plausible. Class size? Well, this ultimately depended on the size of the school. I attend the largest specialized high school in New York, so that’s one school. Bronx Science High School is another specialized high school in New York that is famous for its competitive sports teams, rigorous workload, and impressive student social scene; another viable option. I needed to switch up my pool of candidates. Two specialized public high schools, and the first three factors were covered; what was missing? Colombia Grammar, a private school; it s attendees most likely come from a wealthy background, and could easily be compared to characters from movies and shows like Clueless and Gossip Girl. Identifying my topic and subjects propelled me closer to my ultimate question, â€Å"Do stereotypical high school cliques in Hollywood movies accurately portray the social dynamics of specialized and private high schools in New York City?† This is how my quest for answers began. My survey questions were mainly inspired by Daniel McFarland, a professor of Sociology and Organizational Behavior at Stanford University, and his social network ecology method. In his study, he developed a system, which included three types of functioning networks that youths group themselves in: hierarchies, characterized by social dominance, clusters, characterized by social balance and security, and segregation, characterized by familiarity and homology. After examining this information, I decided to incorporate it in my survey to figure out how students in private and public high schools perceive the system of their surrounding network. This, in turn, helped me better understand how teens function in the social environments†¦ or at least how they think they do. After two weeks worth of distributing, collecting, and analyzing the surveys- drumroll please- the results were in. My brewing questions- is there a status quo? Is it maintained? Are there cliques? Are the cliques â€Å"exclusive† and hard to infiltrate? What high school films did you watch growing up, and did they influence your opinions of what high school would be like? *Deep breath* WHAT IS THE MEANING OF LIFE? (Just kidding, that’s a whole other research paper)- were finally answered. Bottom line: I was right (I knew it!). While films have influenced students’ perception of high school, the social behaviors of New York City’s high school students, both private and public alike, do not reflect those of Hollywood high schools’ teens. One thing I did observe that reflected some high school themes is that private school students are more inclined towards associating with people that come from similar backgrounds as them, whether it be growing up o r living in the same neighborhoods or their financial status. But, they don’t form exclusive cliques; their self-stratifying behavior is triggered by a need for familiarity, which is why their groups tend to be relatively homologous. Specialized public school students, similarly, bond over similar interests, usually due to their avid participation in after school activities, such as sports teams and clubs. In fact, this is typically why most of the public school students identified their school’s social network as a â€Å"cluster.† Public schools tend to have bigger class sizes than private schools, so while social groups are present, there is a likelihood of a friend of a friend to be a friend- in other words, â€Å"you CAN sit with us.† Now, my high school career is almost over. This time next year, Ill be in college, so itll be interesting to see how social behaviors of college students vary from those of high schoolers. Will they bond over similar career goals? Electives? Sports? Clubs? Mutual friends? What will my network of friends possibly be like? Unfortunately, there arent many movies set in a college setting, so no preconceived notions thatll terrify me this time; Im going in blind. Wish me luck!

Professional Values free essay sample

I volunteered| | | |to learn how to give dialysis treatments because the| | | |unit was having a staffing crunch due to staff being| | | |off on medical leave, vacations or leaving the | | | |facility for other employment. I always look out for| | | |the good of the patient. | |Autonomy |Skar (2010) states, â€Å"Professional autonomy means|As the nursing supervisor, I often find myself | | |having the authority to make decisions and the |making decisions. Recently we admitted a patient | | |freedom to act in accordance with one’s |with a hgb of 4. The doctor wanted a medical bed, no| | |professional knowledge base. |telemetry. I assigned the patient to the step down | | | |unit as a house convenience because I felt the | | | |patient needed closer monitoring. In code | | | |situations, I have started ACLS protocol before the | | | |doctor has arrived; i. . starting fluids if none are| | | |running, making sure CPR is being done correctly, | | | |giving that first dose of epinephrine. | |Human Dignity |Rassin (2008) defined human dignity as |I once took care of a man from an assisted living | | |â€Å"awareness of a patient’s values and beliefs and|facility for MRDD individuals. We will write a custom essay sample on Professional Values or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page He was nonverbal, | | |to honor them. † |whenever he came to the hospital he would wear 3 or | | | |4 watches, his own pillow that was filled with | | | |numerous stuffed animals, his wallet, and various | | | |other items that he treasured. It was useless to try| | | |to take his things from him because he would get | | | |violent if you tried. When he was scheduled for | | | |surgery I had to explain the situation to the OR | | | |nurses, and we were able to have him sedated before | | | |he left the unit so his belongings could stay on the| | | |floor. |Integrity |â€Å"Integrity in nursing has been defined as a |I once worked at a very upscale nursing home in the | | |consistent, habitual honesty and a coherent |assisted living unit; the residents were all women | | |integration of reasonably stable, justifiable |and the majority of them were private pay. One of my| | |moral values with consistent judgment and action|residents came to me one evening very upset. She | | |over time. † McIntosh Sheppy (2013) |insisted that she had been robbed of $5,000. 00. I | | | |helped her search her room. Many times as we were | | | |looking she would leave the room. She had almost | | | |$10,000. 00 hidden in her room in various places. I | | | |convinced her to take it to the office so that it | | | |could be locked in the safe and she would know where| | | |it was. I had the social worker talk to her the next| | | |day about keeping so much money in her room. She | | | |just believed that everyone on the staff and who | | | |lived there would be honest. We found all the money | | | |she said plus more that she â€Å"must of forgot I had. † | | | |Did I think of taking any of it? No, I was too | | | |nervous about finding so much money. It was a little| | | |scary. | |Social Justice |â€Å"Respect for others as individuals and as |Before I begin, there is only one hospital in the | | |members of diverse groups, and respect for self,|town I live in. The nearest hospital is over 30 | | |are the basis of socially just health care. † |minutes away. | |Manthey (2008) |Shortly after I finished my orientation as a nursing| | | |supervisor, I was working the night shift. About | | | |4:30 AM I received a frantic call from the ER, a | | | |police officer had been shot in front of one of the | | | |buildings on our campus. To complicate matters he | | | |had been employed at the hospital as a security | | | |guard prior to becoming a police officer. As I ran | | | |to the ER, I began calling the floors asking for | | | |them each to send a nurse to the ER to help. When I | | | |got to the ER, all four of the nurses were in the | | | |treatment room with the police officer. I got busy | | | |calling in the OR team, trying unsuccessfully to | | | |direct traffic, when they bring in the accused | | | |shooter. Because I could not get a nurse to leave | | | |the other room, three of the floor nurses helped me | | | |take care of him. I not so politely asked a State | | | |Trooper to leave the room when he came in and | | | |threatened our patient. The four of us in the room | | | |were very scared, and none of us had ever taken care| | | |of a bullet wound. But we saved his life. And were | | | |able to do what needed to be done without judging | | | |him. | | |Unfortunately the police officer died, we were able | | | |to send the other patient to Toledo by Life-Flight | | | |without too much trouble. |

Best Unsecured Credit Cards for People With Bad Credit

Best Unsecured Credit Cards for People With Bad Credit SAT / ACT Prep Online Guides and Tips Having a poor credit score can feel like you’re caught in a catch-22. You need a credit card to improve your score, but it’s hard to get a credit card without a good score. Luckily, there are credits cards available for people with poor credit. Once you get one of these cards, you can use it to build your credit score over time. This guide will give you recommendations for the best credit cards for people with bad credit, along with some tips on how to apply. Click here to go straight to the credit card recommendations, or first, read on to learn what makes a bad credit score and why it matters. What Is Bad Credit? Credit scores range from 300 to 850. Your score is based on a number of factors, including your credit history, payment history, outstanding debt, and account inquiries from lenders, like credit card companies or banks. Defaulting on loans or closing a credit card that still has a balance on it are two actions that could seriously damage your credit score. You might also have a low score if you’re new to the world of credit and have never had a credit card before. Credit scores below 630 are considered to be very low. Scores between 630 and 700 are fair and between 700 and 800 are strong. Any scores above 800 are excellent. To find out your score, you simply need to set up a free account with Credit Karma. You can also request a comprehensive credit report from one of the three major credit bureaus, TransUnion, Equifax, or Experian. You can get one free report each year by requesting it from annualcreditreport.com. Any additional reports cost $9.95. Your credit score matters big time when you apply for any kind of credit card or loan. Why is it so important? Maybe we shouldn't call a credit score under 630 "bad." Rather, it's a work in progress! Why Does Your Credit Score Matter? Credit scores are a key factor when a credit card company or bank is evaluating your application for a credit card or loan. Lenders consider your past financial behavior to be an indication of your future behavior. They seek to reduce risk, so they only want to lend you money if they feel assured that you can eventually pay it back. The better your credit score is, the higher your credit line will be. You’ll also be eligible for more attractive credit cards that have low fees or rewards, like cash back or travel points. With a low credit score, your application for most travel rewards cards would be rejected outright. However, people will low scores can still qualify for certain credit cards and then use the card to build up their credit over time. With a low score, you may qualify for a secured or unsecured credit card. Lenders look at your credit score when deciding whether to give you a loan. They aren't big risk-takers. What Kind of Credit Card Can You Get With Bad Credit? Secured Vs. Unsecured If your credit score is the lowest of the low, then you’ll probably only be able to get what’s called a secured credit card. Secured credit cards require a deposit up front. Some of them act as prepaid debit cards. You load them up with a certain amount of money at the beginning of the month and then spend that money where the card is accepted. Secured credit cards have low limits and require up-front cash-loading or deposit. If you can qualify for a regular, unsecured card with bad credit, then you should skip this initial step of getting a secured card, unless you really need to set low, strict spending limits on yourself or can't afford an annual fee. Unsecured credit cards are just like any other credit card. They typically start with a line of credit of about $300 per month. As you build your credit over time, your monthly line of credit will increase. Unfortunately, you won’t get a credit card with the most appealing terms if you have poor credit. The unsecured cards recommended below have the best policies available and can help you build your credit into the fair or good zone. Read on for the top recommendations for the best unsecured credit cards for poor credit. Secured credit cards are useful if you need to set strict limits on your spending. 5 Best Unsecured Credit Cards for People with Bad Credit in 2016 The five cards recommended below are the best unsecured credit cards for people with bad credit available. Each card lets you fill out a quick and easy form online to see if you prequalify. The top five cards are the following: Credit One Bank Unsecured Visa* Indigo Platinum Mastercard Milestone Gold Mastercard Total VISA Unsecured Card Platinum One Credit Card (for average credit) *The Credit One Bank Visa stands out as the best overall unsecured credit card, because it gives you some rewards and may increase your line of credit after five months of on-time payments. The remaining credit cards for poor credit offer more or less equal benefits, so you should shop around to see where you prequalify. Let’s take a closer look at the terms of each unsecured credit card. Credit One Bank Unsecured Visa Credit Card The Credit One Visa is a rare card available to people with poor credit that gives rewards. With this card, you can earn 1% cash back on gas and groceries. The card has an annual fee of $0 to $75 the first year and $0 to $99 annually after that, depending on your credit score and income. You may be able to pay this fee back monthly, rather than as one lump sum at the end of the year. The card offers a monthly credit score tracking service so you can keep track of your progress toward a stronger credit score. It comes with a rather high variable interest rate of 15.65% to 24.15%, but the interest rate shouldn’t really matter. To build your credit and avoid debt, you should never carry a balance over on your credit card from one month to the next. Always pay off your full balance every month to avoid penalty and steep interest charges. A typical beginning line of credit for someone with a low credit score is $300. This might increase after five or more months of on-time payments. After five months of on-time payments, Credit One should increase your credit line. Pro tip: count your months by the Gregorian calendar, not the Mayan one. Indigo Platinum Mastercard The Indigo Platinum Mastercard is an increasingly popular card that’s available to people with a range of credit scores. Like the Credit One card, the Indigo card offers online account access and has an easy pre-qualification process online. A typical starting line of credit is $300, and the card has an annual fee of $0 to $99. The APR is fixed at 23.9%. Unlike the Credit One card, the Indigo card doesn’t offer any rewards back on your purchases. Milestone Gold Mastercard The Milestone Gold card similarly has a fixed APR of 23.9% and a typical starting line of credit of $300. The annual fee falls between $35 and $99. Total VISA Unsecured Credit Card The Total VISA has the highest APR of 29.99%. It has a fee of $75 for the first year and $48 annually after that. Like the other unsecured credit cards for low credit, the typical starting line of credit is $300. Capital One Platinum Card If your credit has started to climb out of the red zone and surpassed 600, then you might qualify for the Capital One Platinum card. This card is available for people with a credit score of 600 or higher. It has no annual fee, 24.99% APR, and fraud coverage. A typical starting credit limit falls between $200 and $500, and this can increase after five or so months of on time monthly payments. Now that you have a sense of the best unsecured credit cards, what do you do next? How do you apply for one of these cards? Even with bad credit, you have options for credit cards! How to Apply for an Unsecured Credit Card You can easily apply for a credit card online. First, head to the company’s website and go through its quick pre-qualification process. While this survey isn’t the be-all and end-all word on whether or not you qualify, it gives you an idea of your eligibility based on your income level. You’ll enter your personal information, including your salary and social security number. Going through this pre-qualification check, by the way, won’t hurt your credit score. Your credit score will only be affected when the company runs a hard check to see whether you officially qualify and you open an account. If you prequalify, then you’ll go through the full process of applying for the card. Only fill out a full application for one card, so as not to hurt your credit score. Once you apply and are approved, your card will be mailed out to you within one to two weeks. If your credit score and salary are too low, and you find yourself ineligible for any of the above cards, then you do have one more option - getting a secured credit card. Easy online pre-qualification forms give you a sense of whether or not you'll be approved a credit card. What If You Don’t Qualify? If you don’t qualify for an unsecured credit card with bad credit, then you should look into secured credit cards. As mentioned above, secured cards require a deposit up front, or they ask you to prepay and then spend the money that’s already loaded onto your card. While they’re a little different from other cards, secured credit cards will help you build credit until you’re able to get a regular, unsecured card. These are some of the best secured credit cards: Discover It Secured Card Capital One Secured Mastercard Secured Visa from Merrick Bank USAA Secured Card American Express If you want to set strict limits on your spending with a prepaid debit card, then look into the secured cards from Bluebird or American Express Serve. Once you get your credit card, how can you use it in the best way to build your credit? How to Use Your Credit Card and Build Credit Building and maintaining good credit isn’t about avoiding a credit card; it’s about using one well. Using a card well requires you to follow one rule of thumb: never carry a balance on your card from month to month. Don’t expect that you’ll have more to spend next month than you do this month. Only buy what you can pay off in cash immediately on the card, and make sure to pay off your full balance by each payment due date. As you read above, on-time payments will help you build credit, and your credit card company may offer you a bigger line of credit as time goes on. How can you be sure that you’re staying within your budget? This kind of awareness comes from developing a budget and keeping track of your daily and monthly spending. There are several apps, like YNAB and Mint, that are useful for helping you keep track and gain control of your personal finances. In closing, let’s go over the key points you should remember about the unsecured credit cards that are available to people with poor credit. Rome wasn't built in a day! With enough time and effort, you can build your credit score into the good or excellent range. Unsecured Credit Cards for Bad Credit - Final Thoughts If you have bad credit, you aren’t going to be eligible for a $10,000 line of credit and 2% cash back on all your purchases. However, you may become eligible eventually by first getting one of the secured or unsecured credit cards that are on offer to people with low credit card. Unsecured cards typically have an annual fee and start with a line of credit of around $300 a month. By making on-time payments month after month, you’ll see your credit score go up and may eventually qualify for a larger line of credit. If you don’t already, make sure to check your credit score and understand where it comes from. Then, you can come up with a plan to take control of your personal finances and build your credit score into the fair, good, or even excellent range. By shoring up your credit score with one of the best credit cards for bad credit, you’ll put yourself in a much better financial position for future credit card, loan, or mortgage applications. What’s Next? Is your credit score high enough that you could qualify for other credit cards? Check out this guide to find the best credit card for you based on your personal spending habits. Do you feel like your spending has gotten out of control? This guide will help you reign it back in with seven steps to taking control of your personal finances. Would you like to start saving money for a big purchase or perhaps a retirement account? This comprehensive list has 100 different ways for you to start saving money today.

Summary Essay Example | Topics and Well Written Essays - 500 words - 159

Summary - Essay Example Their intention was to prevent the sale of cotton until the intervention of the government authorities to increase the prices. As a result, the Klan warned the warehouses and other stores to stop operating, pending decisions from the government (Zerzan, n.p). In this regard, it is apparent that the Klan had campaigned for economic restoration and improvement of welfare. I think the Klan received enjoyed massive support in the Southern where its leadership had influence among the citizens. Economic and social issues were the motivations of the people to join the movement, enabling the group to gain prominence among the low-income workers. For instance, some veterans wanted compensation after the World War 1 after observing the treatment of soldiers from other countries. This implies that the Klan consisted of a diverse membership that had a common agenda with different implementation modes. However, the poor living standards, social injustices and inequality were among the elements that causes friction within the group. This is because some members thought that the Klan focused on political and economic issues without considering their personal welfare. For instance, the poor white sympathizers did not want their black counterparts to join the movement. They thought it was a way of empowering the black to stop working in the plantations. This caused friction between the two groups, leading to racist battles. The moral intolerance in the groups dissolved their missions, which weakened the labor movements across the country. The article further indicates that the other aspect of the Klan was its contribution towards eliminating gangs of organized crimes. This was evident in Oklahoma and Indiana, where criminal cases were enhanced to terrorize the locals. The radical nature of the members led to the establishment of civil movements and labor

Pictorialism and Modernism Essay Example | Topics and Well Written Essays - 2250 words

Pictorialism and Modernism - Essay Example The essay "Pictorialism and Modernism" compares pictorialism with modernism. The availability of printmaking machinery and materials that were previously reserved for illustration and reproduction allowed the artists to venture into the new artistic era. This led photographers to experiment their divergent techniques, which included the documentary style that involved capturing memorable events and representing them in documentaries. The era of documentary photography raised the need to respect people as humans rather than stereotypic images that had less resemblance to the represented being. This gave rise to the era of modernism, which made a large leap from the previous documentary photography. Therefore, it was during the pictorialism era that real artistic work could be accurately represented, and this was the era that revolution in artistic work was achieved. However, due to the closeness between the two artistic works, pictorialism may be argued to be a modernism approach to p hotography with the feelings of the artist embraced in the art work. Rocco argues that the era of photography dates back to 1888 when George Eastman introduced the first Kodak camera and this changed photography to the better since then. The first camera made photography to be available for the common man in the street, instead of being a preserve of a few artists. This intervention of the camera greatly reduced the apparatus used in films, and was available to many casual amateurs with no particular training.

Political Obligation Thesis Example | Topics and Well Written Essays - 2000 words

Political Obligation - Thesis Example The basic thesis is that obeying the law enables people to be more free within their actions than not. Rousseau's The Social Contract was a highly influential treatise on hos a society based upon laws should work, and why it does actually work. It is a firm foundation for why people should obey the law. Within this work Rousseau suggests that the individual person gives up certain freedoms in return for the protection of society as regards much larger freedoms. For example, most people try to obey traffic laws such as stopping at a red light. This might be seen as a curtailment of their freedom to drive their car wherever they want whenever they want, but obeying red light laws preserves a much greater freedom: that of surviving your journey. Thus the individual gives up a small right in return for a much greater one. The "contract" that thus ensues between the individual and society is one that is "social" in nature. The individual agrees to obey the laws and the State, in the form of the government, police force, justice system etc. agrees to provide an environment in which people are as safe as possible and free to go about their own business. The social contract can also be understood by a consideration of those societies in which it is not present. Thus in times of anarchy, such as a civil war, individuals are free to "do" virtually whatever they want as law and order has broken down. Does this imply more freedom In a theoretical sense perhaps, but the reality of the situation is that most people are afraid for their lives much of the time. The law of the jungle is no law at all. Does this imply that the modern society, as exemplified by advanced Western countries, with sophisticated justice systems and capitalist economic paradigms are totally favorable One giant of philosophy, Karl Marx, would suggest not. Karl Marx suggested that laws were generally a codified means by which one class (the ruling) keeps everyone else (ie. you and me) in check. Marxists in general recognize that for society to function efficiently, there needs to be social order. However, they believed that in all societies except the Communist one, laws were designed to be of advantage to the wealthy. Thus the famous Marxist dictum that "property is theft". It is interesting to note that even for Marx laws were necessary, as was public obedience to them. It was the nature of those laws that Marx disagreed with, not the fact that they should exist at all. One reason the individual may find for obeying the law is the tendency for "labeling" to occur within society.Labeling theory suggests that the labels we give to individuals effects how they eventually act. Thus if a person comes from a gender or racial group that is perceived to be criminal, then they are more likely to act in a criminal way. The converse is also true - if you come from a supposedly law-abiding group - within American society, white upper class would be an example, then you are less likely to become a criminal. Having a system of theoretically objective laws in place stops such stereotyping as much as is possible. If people obey those laws then labeling is much likely to occur. For example, this author was once stopped in bookstore for acting in a supposedly suspicious manner. While I did not fit the classic profile of a "criminal", I was acting as one in the eyes of store security and so was stopped and eventually searched. In my situation I was labeled as a

The Concept Of Charity In Islam Religion Essay

The Concept Of Charity In Islam Religion Essay The paper which I am going to right is about Islamic concept of charity. The concept is not new for so many people because every religion of the world preached that charity is a way of bringing justice to society. But here I would like to explain different forms of charity in Islam, their differences and its impact on society. Charity is for those in need. This is general principle which enjoins us to help people in need, be they good or bad, on the right path or not, Muslims or non-Muslims. No one should judge in these matters. The foremost ends in charity should be Gods pleasure and our own spiritual good. The concept of charity in Islam is thus linked with justice. It is not limited to the redressed of grievances. It implies apart from the removal of handicaps, the recognition of the right that every human being has to attain the fullness of life.   The definition of charity in Islamic tradition differs somewhat from its interpretation in other contexts. The Quran states: And be steadfast in your prayer and pay charity; whatever good you send forth for your future, you shall find it with Allah, for Allah is well aware of what you do . Charity is central to a Muslims life. Prophet Muhammad (PBUH) said No wealth (of a servant of Allah) is decreased because of charity. There are misconceptions by some people regarding Islamic concept of Charity. They think that Islam is taking Charity by force in the name of Zakat. But this is not reality. Islam does not force anyone to give charity. This is third pillar of Islam and its reward will be given in after world. The following five words are the most frequently used words to describe charity in the Noble Quran: 1. Infaq fi Sabil Allah (spending in the path of Allah).    Infaq Meaning spending benevolently 2. Ihsan Meaning the doing of good or (kindness and consideration) 3. Zakah  Ã‚   Meaning growth or purification 4. Sadaqah Derived from the root sidq and meaning truth, and comes to signify charitable deed 5. Khayrat Meaning good deeds Here two basic concepts will be explained that is Zakat and Sadaqah where Zakat is obligatory charity and Sadaqah is voluntarily Charity. DEFINITION AND IMPLICATION OF ZAKAT (ALMS GIVING) Zakat, is derived from the verb zaka, (which means to thrive, to be wholesome,[to be pure) and signifies purification. The Noble Quran referring to the purification of wealth states: Of their wealth take alms to purify and sanctify them ZakÄ t or alms giving, one of the Five Pillars of Islam, is the giving of a small percentage of ones possessions (surplus wealth) to charity, generally to the poor and needy. It is often compared to the system of tithing and alms, but it serves principally as the welfare contribution to poor and deprived Muslims, although others may have a rightful share. It is the duty of an Islamic community not just to collect zakat but to distribute it fairly as well. Zakat is a multi facial concept. In one form it is an act of worship while in other form it is the carrying out of social service. It is thus not just the payment of a tax as it is generally understood but is rather an act of religious significance. Muslims fulfil this religious obligation by giving a fixed percentage of their surplus wealth. Zakat has been paired with such a high sense of righteousness that it is often placed on the same level of importance as offering Salat. Muslims see this process also as a way of purifying themselves from their greed and selfishness and also safeguarding future business. In addition, Zakat purifies the person who receives it because it saves him from the humiliation of begging and prevents him from envying the rich. Its importance and centrality to Islam results in the punishment for not paying when able are very severe. Muslim jurists agree that zakat is obligatory on the Muslim who has reached puberty, who is sane, who is free, and who owns the minimum assigned nisab throughout Islamic history; denying Zakat equals denying the Islamic faith. However, Muslim jurists differ on the details of zakat, which may include rate, the exemptions, and the kinds of wealth that are zakatable. Zakatable refers to assets subject to zakat according to Islamic examples and directives. Some scholars consider the wealth of children and insane individuals zakatable. Some scholars consider all agricultural products zakatable; others restrict zakat to specific kinds only. Some consider debts zakatable. Similar differences exist for business assets and womens jewellery. Some require certain minimum nisab for zakatability. THE PAYMENT OF ZAKAT Zakat is obligatory on every sane adult Muslim who is malik al-nisab, i.e., who possesses wealth equivalent to the monetary value of 20 Dinar of gold or 200 Dirham of silver. In the case of Muslims below the age of puberty and those Muslims who are insane, Zakat is obligatory on their wealth and their guardians are entrusted to pay it on their behalf. The law stipulates that once a year (after the completion of one lunar year) Zakat must be calculated and 2.5% is to be deducted from a malik al-nisabs wealth (cash, savings, investments, gold and silver) and donated as Zakat. ZAKAT AS AN ACT OF WORSHIP Zakat is in spirit an act of worship and in its external form the discharging of a social service. It is, therefore, not a levy or a tax, but is rather an act of worship. That is why the Noble Quran often mentions the observance of Salah alongside the giving of Zakat: ÙˆÙÅ ½ÃƒËœÃ‚ £Ãƒâ„¢Ã… ½Ãƒâ„¢Ã¢â‚¬Å¡Ãƒâ„¢Ã‚ Ãƒâ„¢Ã…  Ãƒâ„¢Ã¢â‚¬ ¦Ãƒâ„¢Ã‚ Ãƒâ„¢Ã‹â€ ÃƒËœÃƒâ„¢Ã¢â‚¬â„¢ ØلؠµÃƒâ„¢Ã… ½Ãƒâ„¢Ã¢â‚¬ËœÃƒâ„¢Ã¢â‚¬Å¾ÃƒËœÃƒâ„¢Ã… ½ÃƒËœÃ‚ ©Ãƒâ„¢Ã… ½ ÙˆÙÅ ½ÃƒËœÃ‚ ¢ÃƒËœÃ‚ ªÃƒâ„¢Ã‚ Ãƒâ„¢Ã‹â€ ÃƒËœÃƒâ„¢Ã¢â‚¬â„¢ Øلؠ²Ãƒâ„¢Ã… ½Ãƒâ„¢Ã¢â‚¬ËœÃƒâ„¢Ã†â€™Ãƒâ„¢Ã… ½ÃƒËœÃƒËœÃ‚ ©Ãƒâ„¢Ã… ½ ÙˆÙÅ ½Ãƒâ„¢Ã¢â‚¬ ¦Ãƒâ„¢Ã… ½ÃƒËœ Ø ªÃƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬Å¡Ãƒâ„¢Ã… ½ÃƒËœÃ‚ ¯Ãƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬ËœÃƒâ„¢Ã¢â‚¬ ¦Ãƒâ„¢Ã‚ Ãƒâ„¢Ã‹â€ ÃƒËœÃƒâ„¢Ã¢â‚¬â„¢ لؠ£Ãƒâ„¢Ã… ½Ãƒâ„¢Ã¢â‚¬  Ãƒâ„¢Ã‚ Ãƒâ„¢Ã‚ ÃƒËœÃ‚ ³Ãƒâ„¢Ã‚ Ãƒâ„¢Ã†â€™Ãƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬ ¦ Ù†¦Ãƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬ËœÃƒâ„¢Ã¢â‚¬  Ãƒâ„¢Ã¢â‚¬â„¢ Ø ®Ãƒâ„¢Ã… ½Ãƒâ„¢Ã…  Ãƒâ„¢Ã¢â‚¬â„¢ÃƒËœÃ‚ ±Ãƒâ„¢Ã‚  Ø ªÃƒâ„¢Ã… ½ÃƒËœÃ‚ ¬Ãƒâ„¢Ã‚ ÃƒËœÃ‚ ¯Ãƒâ„¢Ã‚ Ãƒâ„¢Ã‹â€ Ãƒâ„¢Ã¢â‚¬ ¡Ãƒâ„¢Ã‚  Ø ¹Ãƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬  ÃƒËœÃ‚ ¯Ãƒâ„¢Ã… ½ ØللّÙ†¡Ãƒâ„¢Ã‚  Ø ¥Ãƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬  Ãƒâ„¢Ã… ½Ãƒâ„¢Ã¢â‚¬Ëœ ØللّÙ†¡Ãƒâ„¢Ã… ½ Ø ¨Ãƒâ„¢Ã‚ Ãƒâ„¢Ã¢â‚¬ ¦Ãƒâ„¢Ã… ½ÃƒËœ Ø ªÃƒâ„¢Ã… ½ÃƒËœÃ‚ ¹Ãƒâ„¢Ã¢â‚¬â„¢Ãƒâ„¢Ã¢â‚¬ ¦Ãƒâ„¢Ã… ½Ãƒâ„¢Ã¢â‚¬Å¾Ãƒâ„¢Ã‚ Ãƒâ„¢Ã‹â€ Ãƒâ„¢Ã¢â‚¬  Ãƒâ„¢Ã… ½ Ø ¨Ãƒâ„¢Ã… ½ÃƒËœÃ‚ µÃƒâ„¢Ã‚ Ãƒâ„¢Ã…  ÃƒËœÃ‚ ±Ãƒâ„¢Ã…’ And be steadfast in your prayer and pay charity; whatever good you send forth for your future, you shall find it with Allah, for Allah is well aware of what you do Moreover, the Noble Quran emphasizes the importance of Zakat as follows: By no means shall you attain righteousness, unless you give of that which you love RECIPIENTS OF ZAKAT Allah (S.W.T) has mentioned paying of Zakat on multiple occasions like. Zakat is for the poor and the needy and those who are employed to administer and collect it, and for those whose hearts are to be won over, and for the freeing of human beings from bondage, and for those who are overburdened with debts and for every struggle in Gods cause, and for the wayfarers: this is a duty ordained by God, and God is the All-Knowing, the Wise. According to the Noble Quran, the lawful recipients of Zakat must be Muslims who belong to either one or more of the eight categories: (1) The poor (2) The needy (3) Those whose hearts are to be reconciled (4) Securing the freedom of those who are captives (5) Those that are genuinely in debt (6) Muslim employees (7) Those who engage in the cause of Allah I (8) The wayfarers DEFINITION OF SADAQAH The word Sadaqah is derived from the Arabic root verb sadaqah which means to be truthful and hence Sadaqah implies engaging in any righteous act in order to earn the mardat (pleasure) of Allah. SOME RULES PERTAINING TO SADAQAH There are three basic rules involved for Sadaqah to be divinely rewarded. Firstly, it must be donated in the name of Allah alone. Secondly, all monies donated must be from a legitimate source. Money that has been stolen or earned unethically is rendered void by Allah . Thirdly, all excess wealth is seen being owned by Allah and Muslims hold the wealth as trustees. Therefore, it is left up to individual Muslims to determine as to how much they are willing to give back to Him in the form of charity. SOME MITIGATING CONSEQUENCES OF SADAQAH According to the teachings of Islam, the giving of Sadaqah serves a number of functions. First and foremost is the expiation of sins. The believers are asked to give Sadaqah immediately following any divine transgression. It also serves to compensate for any shortcoming in any past payment of Zakah. Moreover, it also gives protection against falling victim to calamities. Furthermore, it wards off affliction in this world, and punishment on Day of Judgment. It is therefore recommended to give Sadaqah, irrespective whether it is at night or during the day, in secret or in public in order to seek God Almightys pleasure (Al-Baqarah, 2:274). Finally, it is generally believed that the constant giving of a little charity pleases God Almighty more than the occasional giving of much charity. DIFFERENCE BETWEEN ZAKAT AND SADAQAH It is important to differentiate between Zakat and Sadaqah. Zakat is the obligatory annual almsgiving which is determined on the basis of the value of ones wealth. Sadaqah on the other hand is superogatory charity, given by Muslims over and above their Zakat contribution. Moreover, every Muslim irrespective of his/her financial status can in actual fact participate in Sadaqah in view of the fact that Sadaqah is not necessarily restricted to monetary contributions, but can also be given in kind as specified in the Noble Quran, for example, feeding the poor (69:34; 90:11-16; 107:1-3), extending any form of support to the orphans (17:34; 76:8; 89:17; 90:15; 93:9, 107:2) and widows, advising or counselling, and volunteering ones services in the community. CONCLUSION Thus charity, on a generic level, plays a major role in Muslim society. One of the key purposes of the religion is grounded in a sense of community, which is fostered by charity. The Noble Quran reassures those who engage in voluntary charity would be amply rewarded: Those who believe, and do deeds of righteousness, and establish regular prayers and regular charity, will have their reward with their Lord: On them shall be no fear, nor shall they grieve. From the Islamic point of view, wealth belongs to God and is held by human beings in trust; so for those whom Allah has blessed with wealth, it is a test; and Muslims should strive to pass this test by not becoming worshipers of hoarded wealth. They should rather use the wealth only in ways God has permitted and realize that the amount to be given is not really their money but, rather, it belongs to those who have less than they do. Islamic charity is one of those unique forms of worship that bring out both the individual and the social aspects of ibada worship. Consider its sociopolitical effects: it frees society from the ill feelings arising out of class hatred. It opposes an individualism that is blind to the travails of ones neighbors and stands against a socialism that shackles individual freedom. It fosters neither selfishness nor renunciation. It also strengthens a sense of brotherhood and establishes social cohesion. Islamic charity represents the unbreakable bond between members of the community, whom Prophet Mohammed described as like the organs of the body, if one suffers then all others rally in response. We are fortunate to have sufficient means to live a quality life, but there are millions of people who are less fortunate than ourselves. Many millions of children, women and men live in abject poverty. Things that we take for granted-regular meals, housing, education and healthcare-are considered luxuries in some of the worlds poorest countries. It is our duty to help them-because helping the poor and destitute is emphasized again and again in the Quran and in the other Holy Scripts and traditions. By working together we can help make a real difference and bring about positive change to many peoples lives. The rewards for being charitable are also manifold: charity purifies our wealth and God has promised us a great reward for being charitable towards our fellow human beings.

Free College Admissions Essays: A Rare Encounter :: College Admissions Essays

A Rare Encounter    Very rarely in life does one encounter an individual who impacts you in such a way that they not only become ingrained in memory, but also shape the type of person you want to become. For me, Mrs. Peggy Jeens was one of these very special and unforgettable people.    Although I only had the pleasure of knowing Mrs. Jeens for two of my high school years, she affected me in ways far beyond the educational scope. Through her teaching, she showed me what true happiness and satisfaction were. How else could anyone teach for so long and still begin each day with a smile? With exciting and thought-captivating lessons, Mrs. Jeens managed not only to pass the information along to her students, but also make them enjoy learning in such a way that they looked forward to her class every day.    Outstanding teaching abilities, although essential, are not the only characteristics of an unforgettable teacher. In order for a teacher to have that unexplainable spark, you must know them outside of the context of school and have the opportunity to see their true personalities. I was most definitely able to do this with Mrs. Jeens by accompanying her on trips to Italy, Greece, Spain, and Morocco. During these week-long trips, I was able to get to know Mrs. Jeens in a way that most students cannot. I learned that she was an incredibly generous and fun-loving individual who made each trip an exciting adventure for her students. Even though we did not always encounter the best of circumstances, Mrs. Jeens always managed to take the worst situations and make them bright.    Although I learned many things from my association with Mrs. Peggy Jeens, the one I value above all is the ability to be happy with whatever life throws at you. Mrs. Jeens always emanated a happiness that infected everyone around her through her smiles, kind words, and loving nature. It is my personal belief that the most important thing in life is to be happy, as if you are happy, you are content with your life and want for nothing.