Psych Essays - Credit, Personal Finance, Credit Card, Credit History

Norkis Grant Zakiya Odoi ENC1101TR2:00pm 09/30/2012 Hard Times Will Follow I turn the TV up louder because now my mom is yelling on the phone to Chase about the bill she just received. She sounds as if she is in a war but the slamming of the phone lets me know she didn?t win. I was just out this morning with her and seen that her eyes were glued to a new pair of Burberry shoes. She persuaded herself that she needed them like the other millions of pairs she has jammed in her closet and found herself swiping that same card that she is now arguing with the bank over. How could she really put up any argument? People are in debt because they do not know the difference between priorities and desires. To begin, I believe the first cause of debt would be the helpless issue people have with saving. When growing up we are drawn to a very fancy life style through television and magazines which create a big hole in our pockets. Not everyone in life is born into a millionaire family or with doctors for parents so we must live a life of spending safely but we focus too much on what we want rather then what we need. The other night my best friend Zoie called me in panic around 1 am stating how she is stuck on the side on I-95 with her tank on E. Instead of putting priorities first Zoie decided to go out on a date with little money assuming that the guy was going to pay; little did she know, he didn?t. I warned her if she didn?t learn how to save she would pay for it and now she had bigger things to worry about: a car with no gas, a phone with little battery and no clue on how she was getting to work in the morning. And not being able to get to work means you don?t get paid and neither do the bills. Sometimes such a little sacrifice can save for weeks of headaches. However I believe people get swallowed by debt because of our bad habit of not being able to say no when shopping. When you enter stores like Marshalls, Ross, or TJMAX people can never walk in just for one thing and walk out with just that. Those stores surround customers with alluring items that you may not necessarily need but does catch your eye. I worked in a retail store as a cashier and every time I got a customer they always said the same thing: ?Oh, I think it?s so funny that I always come in here just to return something and end up picking up more things on the way out.? With notebooks, chips, wallets, kid toys, even drinks in case they?re thirsty as the customer waits to be rung up, I don?t have a hard time believing that. The more we shop the less we save. Another reason why I think we fall into debt is because of the overloading of responsibilities we put on ourselves. As a college student my biggest worry is to have to get a loan for school. With no financial aid help I feel as if choosing to go to a major college without scholarships or grants would be completely insane but not impossible. Loans are offered as long as you are attending school but are expected to be paid back after graduating. However going to school for many years doesn?t guarantee a good job to assist you with the money to pay the balance due. So if you are busy buying the latest fashions you may have a hard time keeping up with the payments. Although everyday people are applying to credit cards it is one of the biggest reasons for debt. Banks are there to help but our society seems to be too dependable on a credit card which is money that isn?t ours and needs to be paid back. People don?t understand the seriousness of this problem, which is it affects our credit score. Like a professor once told me ?Your credit score is basically the governments? way of telling how responsible you are without them even seeing

What is an Epilogue and How To Write One, According to Pro Editors

What is an Epilogue and How To Write One, According to Pro Editors What is an Epilogue - and How To Write One Readers Won't Forget The epilogue comes after the story has ended and acts as a finishing touch. It’s one of those literary devices whose necessity is often debated - along with its predecessor, the prologue. If you write a strong ending to a story, should there really be anything left to say? Well, like a good digestif, an epilogue can serve as a satisfying close to a story - one that gives you a moment to reflect on everything you just consumed. It shouldn’t replace dessert the ending of the novel, but merely provide a grace note for the story to close on.To help you decide if your story needs an epilogue and, if so, how to write a strong one, we’ve asked our editors to give us their top epilogue advice. But first, let’s make sure we’re all clear on what an epilogue really is...What is an epilogue?Classic Greek and Elizabethan plays often included epilogues to explain the later fates of the characters. An actor would step forward and speak directly to the audience, offering commentary on the story and dispensing morals, if any were to be found in the tale.  Note that the epilogue, in this respect, is the exact opposite of the prologue and the preface.Since then, the epilogue has naturally evolved. Today, this kind of wrap-up is very rarely used in novels. It's seen as "spoon-feeding" the reader and it implies a lack of trust - either between the novelist and the reader, or between the writer and their own ending.Whether you’re writing a â€Å"Happily Ever After† or a â€Å"To be continued†¦Ã¢â‚¬  epilogue, just be sure to go forward with confidence. If you doubt its necessity, it’s a strong sign it doesn’t need to be there. Either way, don’t overwrite, trust your readers, and you’ll surely have them sighing when they flip the final page and remember that â€Å"parting is such sweet sorrow.†What are some of your favorite epilogues? How do you feel they contributed to your understanding or enjoyment of the story? Leave any thoughts or questions in the comments below!

Chicago demographics Assignment Example | Topics and Well Written Essays - 750 words

Chicago demographics - Assignment Example It is evident that the problem of teen pregnancy is the biggest health issue in Chicago and this necessitates measures to help address this issue. Thus this paper will look at the Chicago demographics, the services offered and their effectiveness; it will then develop a marketing plan for a service/ program to address the problem of teen pregnancy in Chicago. Chicago Demographics Population and ethnic composition Chicago is the largest city in Illinois a state in the US. According to the US census bureau it has nearly 2.7 million residents and this makes it the most populous city in the Midwestern United states and is also ranked the third most populous state in the United States after New York and Los Angeles that are considered the most populated areas (Mackun & Wilson, 2011). Chicago is the headquarters of Cook County (City of Chicago, 2011) which is the second most populous county in the US coming after Los Angeles and California. Chicago is one of the first cities in the world w ith a fast growing population. Its population has continued to grow every year and this can be attributed to the many services that are available to cater for people’s needs in this city. According to the US census Bureau there were 2,695,598 people with a total of 1,045,560 households residing within the city of Chicago (CB, 2010). It is estimated that more than half of the population of the state of Illinois stay in Chicago metropolitan area. The city’s racial composition is 45.0% whites with 31.7% non-Hispanic whites (Forman & Krysan, 2008), 32.9% African American, 5.5% Asian (City Data, 2010). It has a Hispanic population of 28.9%. The population percentage from 2000-2010 stood at -6.9%. Persons under the age of 5 years are 6.5%, under 18 years are, 23.1%, persons 65 years and over are 10.3%, while the female persons percentage is at 51.5% (CB, 2010). The age distribution include below 10 are 15.2% 10s are 13.8% 20s at 18.0%, 30s at 16.6%, 40s at 13.5%, 50s 9.2 %, 60s 6.3% and above 70 at 7.4% (Zllow, 2011). Fig. 1 Races in Chicago Source: http://igpa.uillinois.edu/cas/media/pubs/Forman_Krysan_2008.pdf Education In the Education sector, the percentage of high school graduates in Chicago aged 25 and over stands at 78%, those with a bachelor’s degree or higher and who are 25 years and over stand at 31.7% (CB, 2010). The public schools are governed by Chicago public schools (CPS) while the private schools are run by two religious groups the Catholics and the Lutheran. A look at the marital statuses of people in Chicago reveal 28.27% married, 49.47% never married, 12.69% separated, 3.99% widowed and 5.57% divorced. The median household income 2005-2009 was $46.781 (Sperlings, 2010). Fig.1. Marital Status in Chicago: source: www.census.gov Health Characteristics and problems There exists a wealth of information about the heath characteristics of people in Chicago. Childhood obesity is one of the most prevalent health crisis in Chicago such that the rate of obesity among Chicago children aged 3-7 is very high estimated to be twice the national average for children in the same age group. Adult obesity is most seen in the minority communities (Whitman,

Explain the significance of legal personality Essay

Explain the significance of legal personality - Essay Example Additionally, mentally ill person and minors as well, cannot be allowed to enter into a contractual relationship. The same is applicable to children, who have less reasoning level in comparison with the adults. In the subsequent part of this paper, an explanation of certain aspects of natural and artificial legal personality and limitations on legal personality is included. The nature and extent of natural legal personality Legal personality has multiple dimensions. These dimensions are mostly determined by different social roles, such as employer-employee, voter-householder, and father-husband. However, each role has different legal rules attached with it. And, the legal rules are mostly determined by the law on the basis of sex, age, nationality, income, occupation or any other group characteristic that the law-makers consider as relevant. By this classification, the law allocates certain rights and obligations to each category. When life begins Basically, to determine the beginnin g of life is a complex process. An unborn foetus is not capable of being a legal person. In law, once born alive, a newly born child will own the label of natural legal personality with certain legal rights. When life ends Still, there is no legal term defining death in law. Historically, stopping of the heart beating has been recognised as a point of death. However, due to the recent advancement in the medicine, with the help of machines, heartbeat can be made functional like other parts of human body. However, in R v Malcherek and Steel [1981] 1 WLR 690; did provide a definition for death. Facts A man stabbed a woman. Her brain became dead but she was kept alive with a life-support machine. However, she died and the man blamed doctors turning off the machine rather than his actions killed her. Held In the Court of Appeal, Lord Chief Justice Lane remarked that the definition of death was the irreversible death of the brain stem, which directs the basic body functions such as breath ing. The occurrence of such situation validates the death of a body even if other body parts are made functional with the use of mechanical methods. Legal personality-after death Humans do not have unlimited form of legal personality. This limited legal personality is also applicable to after death. However, a person who wrote the will (the testator) is allowed to ensure that even after his or her death a legal will after death will be enforced according to the wishes of the testator. Such situations occur when the distribution of a property is going to take place. In case of a dispute, the court is authorised to ascertain the wishes of the testator. Additionally, prior death consent must be ensured from the deceased if the body parts are going to be removed from the dead body. Organisations The status of legal personality can be conferred to a company in United Kingdom (Teubner, 1988). Under this condition, the company is defined as having separate and distinct existence in compari son with its shareholders. As a result, the shareholders own their shares not the company (Davies, 2002). Although, the shareholders are owners of the company and they provide capital for it, yet they cannot be sued in case, the company becomes unable to pay for its own liabilities Case law: Salomon v Salomon & Co Ltd (1897) Facts: Salomon converted his business into a limited company. Mr Salomon was the managing director and majority

300 Weapons and Strategies Essay Example for Free

300 Weapons and Strategies Essay The movie 300 is an action movie that takes place in 480 B. C near Greece. It is about the famous Battle of Thermopylae that mainly involved both the Persians and the Spartans. The Persian army, led by a king named Xerxes, is in the process of taking over several Hellenic states in Greece. When Xerxes arrives at Sparta to strike a deal with King Leonidas (Spartan Army Leader) that he will have power over all of Greece if he will bow down to King Xerxes, Leonidas responds with retaliation against the Persians. King Leonidas assembles 300 of his toughest Spartan soldiers to take on the Persian army at the passage way of Thermopylae. Although severely outnumbered against Persia’s hundreds of thousands of men, King Leonidas and the Spartans hold off thousands of Persians from entering the passage for a few days. â€Å" Persian King Xerxes lead a Army of well over 100,000†. (IMBD) With Leonidas in battle, back at Sparta, Queen Gorgo( Queen of Sparta)desperately tries to persuade council to send more back up to Thermopylae to help King Leonidas. Unfortunately, the Spartans were betrayed by a recently rejected Spartan tryout named Ephialtes, who decides to pay back King Leonidas for his rejection. Ephialtes ultimately destroyed any chances of Sparta defeating Persia by informing Xerxes about an unknown secret Goat Passage that would lead Persia to the backs of the Spartan soldiers. Xerxes and the Persian army soon defeat Sparta but all in good name. Due to the motivation and courage of the 300 soldiers, they inspired all of Greece to go against Persia and fight. Part 2 After watching the movie, it is clear that most of the war tactics and strategies are very accurate to the actual real life battle that we knew. According to 300 Spartans, â€Å" This unit was produced of 300 Spartiati Warriors who were held in their highest esteem by their fellow citizens in Sparta†. (300 Spartans) So due to Sparta’s vastly outnumbered army size, military order was a major factor when battling. Not only was the order and position of their army an effective strategy, but it also helped favor Sparta and gave a competitive advantage when battling enemies who didn’t have such order. This was a major contribution to why King Leonidas wanted to battle at Thermopylae, also known as â€Å" Hot Gates†. This was a tiny area that made it favorable for smaller forces. â€Å" The pass of Thermopylae consisted of three ‘gates’ where the land narrowed in a favorable position foe a smaller army. The East and West Gates were extremely narrow, however, the Middle Gate while a little wider than the other gates is where the Greek warriors set up their defensive positions. (Spartan Warriors) King Leonidas spent a great deal of time focusing specifically on the training of his soldiers so they could be properly ready for battle. As shown in the movie, his formations for battle highly impacted what the outcome of the war would be. A repetitive battle formation used with Sparta was called the Phalanx. The Phalanx is a formation that lined up a small group of men pushing on the backs of the man in front with their shields giving no room for an enemy to slip by and eventually overcome them. â€Å" Now in actual fighting, it was a big shoving match with the front lines pushing against the enemy and each subsequent line pushing against the back of the men in front. (Military History) This was done by working his way into fighting in a narrow closed off area in hopes of entangling enemies and causing unexpected chaos. This would ensure the full potential of his warriors against Persia. Since Leonidas’ army was so well trained, they had no problem defeating Persian soldiers head to head. So to enhance battling conditions for Sparta, going between mountains, leaving only a small pathway for minimal enemies to get through at a time was standard and a critical way to fight for the best outcome. Now in the movie there is a small scene that shows Spartan soldiers dispersed and fighting one on one with several enemies. This was not an actual occurrence with Spartans because separating would have engulfed themselves with the multitudes of enemies that surrounded them. In the movie it is not entirely depicted correctly as even mentioned by, allexperts. com, â€Å" In actual combat, if the fighting broke down into man on man melee like shown in the movie, the Spartans would be easily overcome. †(Military History/Spartan Battle Tactics) Another important strategy for Sparta during battle was incorporating suitable terrain for their benefit. â€Å"The rugged terrain isolated groups and made the use of chariots and cavalry very difficult†. (Spartan Military) In reality this only seems to make sense but even in the movie there is a scene where Spartan soldiers are pushing enemy troops off a seaside cliff, thus incorporating the use of a rough terrain to their advantage. The movie 300 was very accurate in displaying these strategies several times exactly how they are described to be used in real life by the Spartans. King Leonidas stands his troops in the center of two mountains with a strong line of soldiers close together for support. With the soldiers in perfect Phalanx order, they could simply replace one another in an instant if a soldier ahead died. Perhaps a crucial reason for the use of the Phalanx order in Spartans history and even in the movie, is because back in these ages war was usually fought almost chaotic. Never before has an army seen this kind of developed order on the battlefield which took them by surprise and gave Sparta a huge advantage. Although the Phalanx and the rough terrain were similar in comparison to the movie and actual Sparta history, that can not be necessarily said the same about the weapons used. In ancient history, the Spartans weapons have consisted of a large unwieldy spear called a Dory. This was typically aimed out over their large eight-foot hoplite shield, called an Aspis. This was followed by a chest plate and a solid helmet. Even though the Aspis and the spear were displayed correctly within the movie, a major difference distinguished with the wielded sword. Within the movie is a surplus of swords either called the Spatha or the Kopis. These were typically larger and had a more dangerous appearance to them than the original Lakonian sword. This sword that was actually used in real Spartan history fighting looked almost like a dagger. † The reason the Spartans shortened their sword was just that. It was easier to use in tight confines of the Phalanx and the press of men†. (Spartan Military) But this makes sense due to the fighting strategies used by them. Not only was the weapons slightly off in the movie, but also the use of them is depicted false. When the small Lakonian sword was used, it would have only been used to stab when an enemy went for a slash. In 300, there are several scenes showing Spartans slashing and hacking Persians which is incorrect. All in all, the movie 300 is a somewhat spot on movie with how actual Spartan military forces used weapons and battle strategies. Even with a couple obvious differences, one could argue their similarities.

Haig V. Agee: Power To Revoke Passports :: essays research papers

Haig v. Agee: Power to Revoke Passports Whether a passport can be revoked or not has been a major question since the mid- 1800's. Haig v. Agee is a landmark Supreme Court case charging that the Secretary of State can not revoke a passport on the grounds that the power has never been granted by the Congress to the Secretary, and that revoking a passport violates the first and fifth amendments of the Constitution of the United States. Not only does the Secretary of State have implied powers, but revoking Agee's passport did not violate any laws or rights. In Haig v. Agee, the defendant claims that the Passport Act of 1926 does not grant the Secretary of State the right to revoke passports. However, the Passport Act does state that the Secretary of State is the only person who can grant and withhold passport applications. And based upon later provisions, the Secretary can withhold applications if the party is involved with illegal activities. If the Secretary of State can grant and withhold passports, was it implied by the Congress that the Secretary has the powers to revoke passports? "The Secretary of State may grant and issue passports, and cause passports to be granted, issued, and verified in foreign countries by diplomatic representatives of the United States . . . under such rules as the President shall designated and prescribe for and on behalf of the United States, and no other person shall grant, issue, or verify such passports." 22 U.S.C. 211a (1976 ed., Supp. IV). Since the Congress did not specify who has the powers to revoke passports, it should be assumed that because the Secretary is the only person who can grant passports, they are the only ones who can revoke passports on grounds of illegal activities, such as treason. If you consider that Agee's passport was revoked because he was uncovering secret CIA agents, he was undoubtedly committing treason. Though treason is usually considered to be evident during times of war, treason can also be defined as placing national security in jeopardy, such as the case of Agee. Agee's passport should not only have been taken, he should have been extradited and tried by a jury for the crime of treason. Agee also claims that since the power to revoke passports was not directly given to the Secretary of State or the President, then in order to show they have the power, they must have revoked many passports in the past and have the Congress' approval. However, the need to revoke passports on the grounds of

Growing up: A Journey of One’s Identity

It is inevitable that people age. Every human being, and every being for that matter, grows old. Age is a natural phenomenon that cannot be avoided. Part of growing up is discovering one’s identity. As people age, they constantly undergo a process where they mold themselves into unique individuals. Every experience that a person goes through influences his personality, his character, and his identity. It is through such experiences that people get to see who they really are. Triumphs and failures in life are vital for they help strengthen the character of the person. In a way, when an individual goes through an experience, he is shaping his character regardless of the outcome of his endeavor. From childhood to adulthood, every experience brings forth a certain lesson that is inculcated in the individual’s being. These lessons are what define the individual for they directly affect the person that they are. The development of the person and the journey of self-discovery as a person grows up are discussed not merely in the various fields of science. Literature too has its share of works of art that provide an input of how growing up involves the molding and shaping of the person’s identity. Although not directly discussed, literature highlights how the journey of aging is in parallel with an individual’s journey towards defining an identity of his own. In Mary E. Wilkins’ short story, â€Å"Mistaken Charity,† the journey of two women through age and time is told. Moreover, it shows how their aging coincides with their realization of who they really are. Harriet and Charlotte are two sisters who never marry. Their life is built on their work and on their struggle to survive. However, as age catches up with them, and their aged bodies can no longer stand their own lines of work, they begin to realize that they are not all about their work. When given a chance to move out of their tattered house and into a better life, they discover that it is their experiences living in that house that defines who they are. They are not used to the life in the â€Å"Home† for it does not feel like home to them. This is what drove Charlotte to say, â€Å"O Lord, Harrià ©t†¦ let us go home. I can't stay here no ways in this world. I don't like their vittles, an' I don't like to wear a cap; I want to go home and do different. The currants will be ripe, Harrià ©t. O Lord, thar was almost a chink, thinking about 'em. I want some of 'em; an' the Porter apples will be gittin' ripe, an' we could have some apple-pie. This here ain't good.† (Wilkins, 148) This shows how no matter how much better another life seems to be, people will always go back to their old way of life for the life they have gotten used to defines who they really are. Another story that show how growing up means defining who you really are is told in Nathaniel Hawthorne’s â€Å"Young Goodman Brown.† The story tells of how one experiences that Goodman Brown went through in his young days completely changed his outlook on life. His journey through the forest wherein he met the mysterious figure which many associate with the devil may indeed be a dream. However, that experience opened his eyes to the reality that people may not be what they perceive him to be. The good Christians that he thought they were may actually simply be a cover-up of their real selves. Although it could be a dream, the experience was enlightening for Goodman Brown. More importantly, it was very influential in molding the personality of Brown and his outlook on life. After the experience, Goodman Brown ended up becoming a cynic. He was always wondering whether the people around him were who they really were. In fact, Goodman Brown even began to doubt the sincerity of his wife, whom he used to love and trust dearly. After the said event,   Ã‚  he turned into a cynic, wary and pessimistic of his wife and his faithfulness and fidelity. The last paragraph of the story explains the effect that the experience in the forest had on him. In the said paragraph it was stated: â€Å"A stern, a sad, a darkly meditative, a distrustful, if not a desperate man did he become from the night of that fearful dream. On the Sabbath day, when the congregation were singing a holy psalm, he could not listen because an anthem of sin rushed loudly upon his ear and drowned all the blessed strain. When the minister spoke from the pulpit with power and fervid eloquence, and, with his hand on the open Bible, of the sacred truths of our religion, and of saint-like lives and triumphant deaths, and of future bliss or misery unutterable, then did Goodman Brown turn pale, dreading lest the roof should thunder down upon the gray blasphemer and his hearers†¦Ã¢â‚¬  (Hawthorne, 127) The stories provide evidence of how experiences mold and shape the identity and personality of the individual. Both Goodman Brown and the sisters demonstrated how they are made by their experiences. Thus, it can be said that growing up and aging is a process of defining one’s self. It is a process of discovery brought about by life experiences where lessons are learned and imbedded in one’s way of life. Works Cited: Hawthorne, Nathaniel. â€Å"Young Goodman Brown.† Literature and society: An introduction to fiction, poetry, drama, nonfiction. 4th ed. Eds. Pamela Annas, Robert Rossen. Upper Saddle River, N.J.: Prentice Hall, 2007, pp 117-127. Wilkins, Mary. â€Å"Mistaken Charity.† Literature and society: An introduction to fiction, poetry, drama, nonfiction. 4th ed.   Eds. Pamela Annas, Robert Rossen. Upper Saddle River, N.J.: Prentice Hall, 2007, pp 140-150.