How Im Discovering Myself essays

How I'm Discovering Myself essays I never knew what the true meaning of "discovering yourself" meant until I had taken this class. I have found out a lot of what my strengths, weaknesses, and learning styles were just by doing some very simple exercises. The assignment that I enjoyed doing while covering this topic was the "Discovery Wheel" In our textbook the meaning of the discovery wheel is an opportunity, to tell the truth about what kind of student you want to become, and it can also be used as a picture to how you see yourself "From Master Student To Master Employee" (Ellis 2011). Although the discovery wheel is not meant to be used as a negative judgment or a permanent picture of who I am it does make me aware of what kind of student I can be or could be for the duration of my education. When I did this exercise, I did it with an open mind. When I had finished the discovery wheel and looked at the outcome, I wasn't very shocked with some of the results however it did make me sit back and think about what I have done that has changed in my life? The answer was very simple for me maturity in general, seven years of being out of school, family, and work. I found that I am a lot more focused this time around. I've come to realize how many things that I once viewed as major things have changed. What I learned from the discovery wheel was what decisions I need to make to be successful in school so that I can complete my degree program. I believe if you have a goal set and you have the tools required to succeed you will be able to reach your goals and go beyond what you have set for yourself. Part of this class highlighted the point of setting and completing goals. I feel that I benefited from this exercise because I was able to fine tune some of my learning styles. By doing a self-evaluation of myself, I was able to see a picture of what will happen if I don't work on approving the areas that I am weak in. When I completed the exercise, my strong points we...

Consumers Warned of Online Payday Loan Sites

Consumers Warned of Online Payday Loan Sites As you look at the automated ads that surround this article, keep in mind that the Consumer Federation of America (CFA) has long advised consumers to exercise extreme caution when using internet payday loan web sites, where loans due by the next payday, can cost up to $30 per $100 borrowed and borrowers typically face annual interest rates (APRs) of 650%. According to a CFA survey of one hundred Internet payday loan sites, small loans involving electronic access to consumers checking accounts pose high risks to consumers who borrow money by transmitting personal financial information via the internet. Automatically Zapping Your Bank Account Internet payday loans cost up to $30 per $100 borrowed and must be repaid or refinanced by the borrowers next payday, said Jean Ann Fox, CFAs director of consumer protection. If payday is in two weeks, a $500 loan costs $150, and $650 will be electronically withdrawn from the borrowers checking account. Many surveyed lenders automatically renew loans by electronically withdrawing the finance charge from the consumers checking account every payday. If consumers fail to have enough money on deposit to cover the finance charge or repayment, both the payday lender and the bank will impose insufficient funds fees. Where Payday Loans Lurk Online payday loans are marketed through e-mail, online search, paid ads, and referrals. Typically, a consumer fills out an online application form or faxes a completed application that requests personal information, bank account numbers, Social Security Numbers and employer information. Borrowers fax copies of a check, a recent bank statement, and signed paperwork. The loan is direct deposited into the consumers checking account and loan payment or the finance charge is electronically withdrawn on the borrowers next payday. High Cost, High Risk Internet payday loans are dangerous for cash-strapped consumers, stated Ms. Fox. They combine the high costs and collection risks of check-based payday loans with security risks of sending bank account numbers and Social Security Numbers over web links to unknown lenders. CFAs survey of 100 Internet payday loan sites showed that loans from $200 to $2,500 were available, with $500 the most frequently offered. Finance charges ranged from $10 per $100 up to $30 per $100 borrowed. The most frequent rate was $25 per $100, or 650% annual interest rate (APR) if the loan is repaid in two weeks. Typically loans are due on the borrowers next payday which can be a shorter term. Only 38 sites disclosed the annual interest rates for loans prior to customers completing the application process, while 57 sites quoted the finance charge. The most frequently posted APR was 652%, followed by 780%. Although loans are due on the borrowers next payday, many surveyed sites automatically renew the loan, withdrawing the finance charge from the borrowers bank account and extending the loan for another pay cycle. Sixty-five of the surveyed sites permit loan renewals with no reduction in principal. At some lenders, consumers have to take additional steps to actually repay the loan. After several renewals, some lenders require borrowers to reduce the loan principal with each renewal. Contracts from Internet payday lenders include a range of one-sided terms, such as mandatory arbitration clauses, agreements not to participate in class action lawsuits, and agreements not to file for bankruptcy. Some lenders require applicants to agree to keep their bank accounts open until loans are repaid. Others ask for voluntary wage assignments even in states where wage assignments are not legal. CFA advises consumers not to borrow money based on giving a post-dated paper check or electronic access to a bank account as security. Payday loans are too expensive and too hard to repay on the next payday. CFA advises consumers never to transmit bank account numbers, Social Security numbers or other personal financial information via the Internet or by fax to unknown companies. Consumers should shop for lower cost credit, comparing both the dollar finance charge and the APR to get the lowest cost credit available. For help with financial problems, CFA urges consumers to seek credit counseling help or legal assistance.

Colleges become major front in fight over carrying Guns Research Paper

Colleges become major front in fight over carrying Guns - Research Paper Example But proponents argue that reduced level of criminal events like sorry mass shootings seen in 2007 and 2008 at Virginia Tech and Illinois University respectively is directly associated with prohibition on carrying guns. Banning guns is also a popular argument presently because this strategy curbs the bravado of emotional students who may shoot their professors dead over trivial matters. Sustaining the right to carry guns is a really weak argument because nearly all states in the US are in agreement that this is a really bad idea. Crime is strengthening in the world at a stupendous and horrifying rate. In such a distressing situation, colleges should play an active and efficient role in the noble fight over carrying guns because staying silent and inactive can potentially result in an increased rate of ugly shooting incidents at campuses. This paper basically aims at contemplating the controversial nature of gun rights, what contemporary research has to say on the subject, and reviewin g to what extent colleges are justified in fighting against carrying guns. Research reveals that there is an increased incidence of dangerous behaviors like binge drinking on campuses which is considered by anti-gun advocates as a really good reason to make colleges gun-free zones. Introducing guns into an environment of â€Å"binge drinking, drug use and the pressures that college students are under† (Pelosi cited in Ruiz) is a really bad and wretched thing to do. It is claimed that a high rate of high-risk behaviors witnessed on college campuses like â€Å"binge drinking and drug use are commonly cited by anti-gun advocates as reasons to keep weapons off campus† (Smeck). Understandably, carrying guns at campus by students in contemporary world is seen in a very controversial light because given the severity of certain really bad incidents which have occurred in the US colleges in the past, the right to carry concealed weapons is seen more as a promising threat of unb ridled violence. Only recently, seriously troubled news of murders at Sandy Hook Elementary School generated waves around the US fueling the gun control debate. Only Utah, Colorado, Mississippi, Wisconsin, and Oregon are five states which still permit students to carry guns at campus. Gun advocates in these states still argue that if students are not allowed to carry weapons, other people living outside the law with criminal intentions will get green signal for hitting the vulnerable targets easily getting away with their horrendous actions without being hit in reaction. But it is argued by director of the Campaign to Keep Guns Off Campus that â€Å"this argument is not strong enough to justify allowing concealed weapons on campus† (Pelosi cited in Smeck). Actually, more threats are promised by gun allowance than benefits. It is claimed that gun violence â€Å"disrupts American lives, inflames public sentiment, and interrupts the societal concept of ordered liberty† (W ilson 6). Anti-gun sentiments have been building for past five or six years (Moynihan cited in Smeck) especially since the notorious Virginia Tech incident which involves a psychopath student deliberately shooting 32 students and a professor to death. This is recognized as one of the major incidents responsible for initiating a ceaseless debate between advocates and opponents of gun-carrying rights laws. This tragic incident took place in 2007 and just after 5

The descent (2005 film) Essay Example | Topics and Well Written Essays - 500 words - 1

The descent (2005 film) - Essay Example If you mix all these ingredients – it will be really scary. Throughout the film almost all the actions take place in darkness, that keep us in tension and this situation does not give us the chance to relax for a minute. It is so terrible, and here also turns out that the caves are inhabited by eerie creatures that are clearly intended to gobble up the girls. And the panic begins not only at characters but also at the audience. The sense of presence is created, and is not a reason to be frightened? The first half of the movie is really good. Firstly we are showed the good scenery, a house in the woods and of course beautiful views of caves, which I was really impressed. The scene of the girl’s talk after the collapse, I think the most interesting and most memorable moment of the movie (a panic, the flow of all the possible accusations of each other and blame game in this situation was shown excellent). Further, everything is still good enough too. Also an interesting point when one of the girls saw a monster for the first time, and when she began to tell about it her friends who did not believe her. I should notice a good shooting inside the cave. I think that just darkness allows to create the necessary atmosphere in this picture, as if the audience was plunged into darkness and chill of the damp cave. I did not like how the monsters were traced. But how weak and helpless they were in a battle that even weak girls could defend themselves so easy. Since the creation did not see anything and were guided only by the sound, it seemed to deal with them was too easy. It is also not clear why there were such enormous quantity of bones, and in some places even flashed toothy jaw of a wolf or of a bear, although underground creatures, if they went out into the street just could not hunt. When the girls approached the cave they saw the corpse of an elk, which, as I understand

Critically Thinking About Ethics and Assessment Essay Example for Free

Critically Thinking About Ethics and Assessment Essay 1. The four critical areas that are addressed in these standards include developing and selecting appropriate tests, administering and scoring tests, reporting and interpreting test results, and informing test takers. The two focus groups are the test developers and test users. Test developers are people and organizations that construct tests and set policies for testing programs while test users are those who select and administer tests, commission test development services, and make decisions based on the test scores. As a future teacher, counselor, or social worker, I think that I would fit the definition of test users because I would be conducting tests and making decisions from the results of the tests. 2. I believe that the most important issue among the guidelines for appropriate psychological assessment when it comes to children and adolescents would be 9. 03-b. It states, â€Å"Psychologists inform persons with questionable capacity to consent or for whom testing is mandated by law or governmental regulations about the nature and purpose of the proposed assessment services, using language that is reasonably understandable to the person being assessed. † This is important because young people who would undergo testing need to understand clearly what they are about to go through, as well as the reasons as to why they need to be assessed. They need to be talked to in a language and level where they can make a decision whether or not to give consent to the assessment. 3. The first guideline, which is â€Å"Protection Against High-Stakes Decisions Based on a Single Test† is important because it states that students should have the protection of not being judged based on a single test score. A single test score does not prove that much and students should be evaluated based on a series of tests. It is only fair that they be given multiple chances to prove what they are capable of as students. 4. In the â€Å"Screening and Assessment of Young English-Language Learners,† it is stated that the role of the family in the assessment of young English-language learners is important. Young students need the support that they can get from their families so that they can become confident in learning the language. Aside from this, it is also important for professionals to inform the families of the students’ improvements.

Real Estate Accounting: New Regulations Essay -- The Financial Crisis

The level of agony for individuals and businesses continues to rise as they experience losses in the value of their real estate holdings. In some circumstances, the fair market value of their property has fallen below the loan or mortgage amount. As a result, many debtors decide to walk away from the loan, resulting in repossession of the property by the lender. As shown in Appendix A the default rates continue to rise (United States), affecting accounting issues such as, revenue recognition, measurement, fair value, and impairment. The reporting of long-term debt is one of the most controversial areas in financial reporting† (Kieso, 709). This is because long-term debt such as, loans for real estate investments, has a significant impact on a company’s cash flows. A company’s cash flows are affected by long-term debt as gains and losses are reported through an equity account, such as â€Å"Other Comprehensive Income† (Investments). Cash flows are also impacted by reporting the permanent impairment of an asset as a realized loss through earnings and regulatory capital. Individuals and institutions involved in the current credit crisis include: the United States Congress, the Federal Reserve Board, Fannie Mae, Freddie Mac, the Department of Housing and Urban Development (HUD), the Securities and Exchange Commission (SEC), credit agencies, banks, mortgage brokers and consumers (Carey, 2). The Financial Accounting Standards Board (FASB) is focusing on the uprising problems in dealing with the reporting of real estate holdings. Within the housing market, a home buyer (debtor) must go first to a financial institution or mortgage broker (originator) who will approve and make mortgage loans. Next, the originator may choose to s... ...d a company’s continuing involvement in transferred financial assets. Also, Statement 167 requires companies to provide additional disclosures concerning involvement interest entities, allowing significant changes in risk exposure to be reported. The new accounting rules will regulate the real estate market. However, the adjustments to business practices and the respected capital levels will prevail over time. The accounting issues resolving the real estate market will always exist. Accounting regulations are constantly updated to accommodate with the constant change in the economy. FASB along with the SEC will provide updated accounting rules that will affect the lender and the debtor. Whether the new regulations in accounting issues are treated fairly among all parties that are involved; they will have to be carried out in all interrelated transactions.

Sexual Ethics Essay

1. There are a number of dilemmas in sexual ethics such as homosexuality, marriage and divorce and pornography. For instance homosexuality is a major problem within sexual ethics because homosexual sex cannot lead to reproduction. However sexual ethic it differs between denominations compared to government law. Therefore these issues are a concern to religious belief; different faiths have different view on homosexuality or marriage and divorce.Many religious beliefs do not encourage homosexuality in fact it is severely discouraged for example in the Islamic faith they do not allow this because there is no doubt that in Islam homosexuality is considered ‘sinful'. Homosexuality as far as Islam is concerned is a profound mistake (as are all sins if they are not intending to do wrong). For instance a quote from the Qur’an says â€Å"What! Of all creatures do ye come unto the males, and leave the wives your Lord created for you? Nay, but ye are forward folk. † Qur'an 26:165.The references relate to gay sexual activities; lesbian practices are not mentioned in the Qur'an, neither is it mentioned in the bible. Christians are divided over the issue of homosexuality. Due to natural law homosexual sex cannot lead to reproduction therefore the marriage would be considered invalid, however then a marriage between an older couple or couples who infertile would also be invalid, therefore all homosexual acts and relationships are sinful so many believe homosexuality is contrary to God’s will.However the Roman Catholic Church teaches that homosexual should be treated with respect, compassion and sensitivity and no discrimination, they believe the feeling aren’t wrong but the actions are sinful because they contrary to the will of God. The scriptures of the bible suggest that the only sexual relationship that God approves of is one between married heterosexual partners. The creation narrative describe woman as being created especially for man: â€Å"a helpful suitable for him† (genesis 2:18). The Old Testament said â€Å"If a man lies with a man as one does with a woman, both of them have done what is detestable.They must be put to death† (Leviticus 20:13) however there is still no mention on lesbian practices. Marriage is an important part of the Christian life a the purpose of Christian marriage is faithfulness to one another, many Christians teach than within marriage there is a natural hierarchy that reflects the relationship of Christ and the church. The Roman Catholic Church says â€Å"wives, in the same way be submissive to your husband†¦ Husband, in the same way be considerate as you live with your wives, and treat them with respect† (1 peter 3:1, 7).Whereas the Church of England argues that the relationship is based upon Christ’s headship over the church and is about love and sacrifice, not domination and power. This argument originally started as the bible said â€Å"a man will leave his father and mother and be united to his wife and they will become one flesh† (genesis 2:24). On the other hand, in the Islamic faith marriage is only a way to make sex and having children legal and lawful, the belief also states in the eyes of Allah both members of the relationship are treated equally even though they have separate duties. Whereas the Christian views on divorce are that marriage is for life.People take vows for better or worse so if they meant that then there should be no divorce. For instance the Roman Catholic Church believe there shouldn’t be any divorce unless the marriage has not been consummated or they are willing to get a divorce with the permission from the pope. Whereas the Church of England except divorce but some more traditional vicars don’t allowed divorces to remarry in church, the bible believes divorce is not favoured by God: â€Å"Therefore what God has joined together, let man not separate (Matthew 19:6) which means God joins them so the law cannot separate them.Even Jesus forbids divorce: â€Å"Anyone who divorces his wife and marries another woman commits adultery. And if she divorces her husband and marries another man, she commits adultery† (Mark 10:11-12) However in Matthews gospel it say â€Å"anyone who divorces his wife, except for marital unfaithfulness, and marries another woman commits adultery† (Matthew 19:9). Alternatively divorce in Islam is only when the male partner says Talaq 3 times can divorce the couple, however this banned in some countries which results in going to arbitration council and judicial intervention before the divorce is granted. . Due to the loss of faith in many denomination and cultures today, we as people no longer look to religion to guide our sexual ethics as we once did. It is no longer relevant because many people believe that anymore should be able to marry anyone they want, for example same-sex partners. The debate is still being waged be tween the church and government to offer this union. Many people believe if two people are happy together and want to join themselves in holy matrimony, then they should be allowed.Marriage has also undergone many changes as people are less likely to have a â€Å"traditional† wedding instead they are more likely to enjoy extended co-habitation. Also the concept of marriage has change because it is more of a legal act rather than a declaration of love to God. Whereas divorce is seen by the eyes of most people is all about the law rather than church. Church seems to have very little authority when a marriage has got to the divorce stage.A minority of people do still take guidance from the church and believe the once they have entered into holy matrimony then it is for life just as God ordained. In conclusion, like most of the civilised world I believe that the religious beliefs about sexual ethics are no longer relevant because civilisation has changed so much and people are wi lling to accept all that was once considered taboo by the church and are willing to open their mind about the change in religious beliefs and sexual ethics.

Benefits to having a CFO as CEO Essay

Part IIn today’s complex business environment, more and more companies are turning to Chief Finance Officers (CFO) to assume the premier position of Chief Executive Officer (CEO) of the company. However, the qualities required of a CEO are not always in line with the training and experiences of a former CFO. Yet the CFO can bring many qualities to the CEO position to help a company succeed. What are the benefits to having a CFO as CEO, and what are the required qualities of a CEO that may hamper the CFO’s success in this position?As the leader of a corporation, the CEO must be a well rounded leader. The CEO’s key responsibility is â€Å"making critical strategic decisions and creating conditions for those to be well-executed† He must have the people skills to motivate and build consensus both among the employees, shareholders, and board members. He must be able to develop a strategy and swiftly and effectively implement it. â€Å"A CEO must think at a higher level of abstraction – more inductively and less deductively. A CEO must be more willing and able to act on key decisions with fewer facts, relying more on grounded assumptions. And a CEO must be able to communicate effectively to a broader constituency – in particular, he must be far more politically attuned.† John Dasburg, CEO of Burger King and former CFO of Marriott International IncGenerally the CEO is more concerned with the â€Å"Big Picture† of the company, and can not afford to immerse themselves in the details of any specific area. They are the motivators and leaders. Often the CEO can be successful simply by selling his vision and strategic plan, while letting others such as the CFO work out the details. In contrast, people expect the CFO to be detailed and analytical, even critical in their examination of the strategic plan, by examining it for financial flaws. Probably the biggest barrier preventing CFOs from succeeding as CEOs is that of management skills. The CFO is an expert in the financial underpinnings of the company, but often is not required to display skill in people or project management. CEOs often make decisions based on the analytics, as well as intangibles learned from these skills; intuition, personal knowledge of those involved, and consumer opinion for example. In addition, the CEO is often required to make decisions with limited time to examine the details,  something the CFO is trained to specifically not do. The CFO is trained collect and analyze all the data before coming to a decision. They look at different factors, from NPV to the timing of cash flow and returns; then calculate the risk of the investment. The CEO will often look at the same data, yet will not give the hard numbers the same weight as the CFO. Instead, those intangibles may weigh heavily in the making of the decision. The CEO is often willing to accept take more risk than the CFO. The transition to being able to make the hard decision without all the data may be a difficult one for the analytically oriented CFO to make. Another functional area the CFO will have little experience in is marketing. Sales and marketing will always be an important part of business. Many CFOs are hired to cut costs to increase the efficiency of a company. Marketing is generally a favorite target of the cost cutters. In a sluggish market, this may be effective, but in a growth market such as seen in recent years, focusing more on marketing can led a company to success. CFOs rarely have experience or understanding of marketing and sales, and their relationship to the market. This lack of dedicated experience can harm a company when it needs to grow to succeed. However, the recent economic down-turn, to include the fall of the dot-coms and telecommunications companies, the numerous high-profile scandals that have racked prominent companies and the global growth that continues in all business has led to financial expertise being a top priority for a new CEO. The CFO can bring many skill sets to the CEO position to mitigate the complexity and public, and government, oversight prevalent in today’s business environment. By definition, CFOs are more focused on the finances than a CEO normally is. However a financial background can greatly help a CEO to understand the status of the company, and can lead to enhanced success, while at the same time staying out of the scandals. The responsibility for regulatory compliance is the domain of the CFO. They are trained in the details required to keep the company within the legal bounds. As stated by Deborah Thomas, head of treasury at Michael Page International:†The CFO has had to pick up responsibility for responding to regulatory changes. And with regulation, compliance and corporate risk at the forefront of everyone’s minds, the CFO makes the perfect choice for CEO†By the time a person is promoted to CFO, they possess an innate understanding of the regulations, legal requirements, and a comprehensive knowledge of the financial status of the company. These are all skills that a CEO needs to possess to be successful. As a CEO, the CFO may be capable of managing the regulatory complexities, while still finding opportunities for growth. Today’s CFO is better-rounded than those in the past. Partly due to the recent scandals, the CFO works closely with the CEO in developing and executing strategy. It is often the CFO who is now the face of the company, managing the daily relationships with the shareholders. Today’s CFO is invested in the daily operations of the company, and will now come to the CEO seat with a full understanding of operations and strategy. With business becoming increasingly complex, due to increased public oversight, regulation, and global growth; it is imperative that a CEO have a strong financial background. Having the financial background can lead a company to increased success. Rather than trusting those intangibles, the CFO may make decisions based more higher probabilities of success. He may avoid the big risks, and subsequent big payoffs, but will often show a steady growth and return. In fact, according to a study by Duke University, companies that are run by optimistic, dynamic CEOs often run a higher level of short-term debt and attempt to time the debt market, a sign of taking risks. Whereas companies run by former CFOs tend to have higher debt to equity ratios, an indication of stability. It is this ability to negotiate the risks that places the CFO as a highly  desirable CEO candidate. The CFO is able to assess the risks and their impact on financial performance. The CFO seems to perform well overall as a CEO. So well that the trend is growing, according to CFO Magazine in 2005, 20 percent of Fortune 100 CEOs were once CFOs, up from 12 percent in 1995. The key to success for the CFO seeking to become a CEO is to round out their experiences. They will possess they technical expertise to perform the job, they just need to be able to supplement that skill with the management and visionary skills requisite for a good CEO. References 1. Durfee, Don. SAY YES TO DR NO: New research suggests that CFOs are an essential counterweight to optimistic CEOs. CFO Asia, 7 Sep 2006http://www.cfoasia.com/archives/200609-07.htm2. Favaro, Paul. Making the Leap from CFO to CEO. Financial Executives Online. November 2001http://www.favaro.net/publications/cfo-to-ceo/CFOtoCEO.htm3. Durfee, Don. The Top Spot: Why more companies are tapping their finance chiefs for CEO. CFO Magazine. 1 October 2005http://www.cfo.com/article.cfm/44444684. Corporate Finance. CFO to CEO1 April 2005http://www.cristassociates.com/press/CorpFin_CFOtoCEO_040105.pdf

Formatting a Research Paper in MLA Style - Paperell.com

Formatting a Research Paper in MLA Style Formatting a Research Paper in MLA Style Why students are so concerned about formatting of their academic papers? In fact, appropriate formatting, structure, and most important – compliance with requirements of a citation style are the main factors that influence your work’s grade. Following a requested style is a must. If you are not meeting this requirement, your paper automatically loses at least 30% of a grade or even more because this is one of the key things that professors look at when checking students’ works. There are many different styles. One of the most often (abbreviated Ex.), given an Arabic numeral, and a caption. Similarly to illustrations, any caption or label should be included directly below the example. The same one-inch margins are applied as to the standard text.PrintingIf you are required to print your paper, it is best to use the white A4 (8 ½Ã¢â‚¬  by 11†) size of decent quality. Follow your instructor’s preferences regarding single-sided or double-sided printin g.Corrections And Insertions On PrintoutsYou must proofread and correct your research paper thoroughly before you submit it. If you are checking your printout and find an error, re-open the document, make corrections, and print the corrected pages again. Save the changed file. It can be handy to run spelling checkers, but use them with caution – do not rely on them to find all mistakes because a machine can never detect all errors. Besides, they sometimes label correct material as erroneous. In the case if your professor accepts any adjustments in the printed document, make all the necessary corrections neatly, using an ink that fits the color of the main text and make clear statements of what should be corrected. Do not write changes below the affected lines, and do not use the margins. If there is a large number of corrections on any given page, consider revising your document and reprinting the page.Binding A PrintoutPages of a printed research paper may get lost if left u nattached. What does it mean? Try to avoid using plastic folders because most instructors find them a nuisance to checking students’ work. Depending on the instructions given, pages can be secured with a simple clip or a staple.Electronic SubmissionThere are currently no widely accepted standards for electronic submission of research papers. If you were specifically asked to submit an electronic copy of your paper, ask your teacher for detailed guidelines regarding formatting and form of submission. Now you have a general idea of how to write research paper. Hopefully, this article was useful for you and more information on MLA formatting can be found on the Lesley University website.

When College Has a Negative ROI - Guest Post by David I. Block, EA

When College Has a Negative ROI - Guest Post by David I. Block, EA My accountant from NYC, David Block, sent this out to his list and I thought it brought up some important issues to consider for anyone considering going to (or sending a child to) an expensive yet low-ranked college. For some, at least on pure economic/financial grounds, it might make sense to go straight from high school into the working world. Heres what David has to report: With graduation season pretty much behind us, there are a slew of high school graduates who are enjoying their last golden summer, before well, before that time that many consider to be another golden four years. [I fondly remember those halcyon days before the real world hits! Even in college, I remember thinking: Wow, am I ever  BUSY! All of these social events to juggle!!!  But alas, real life isnt quite so bubble-wrapped.] But over the last couple decades, there has been a rising chorus of critics who point to skyrocketing tuitions, and the corresponding skyrocketing debt-loads, and are just wondering:  is it ACTUALLY worth it? Well, for some schools, the answer is a resounding: NO. TaxMaster Financials Real World Personal Strategy Note When College Has a Negative ROI Whats right isnt always popular. Whats popular isnt always right. Howard Cosell As many have claimed (such as the US Census Bureau  https://www.census.gov/prod/2002pubs/p23-210.pdf  ), a typical college degree is worth up to a million bucks over a career but thats not true for every degree. Whats becoming more and more apparent is that  prospective  college students need to do their homework beforehand, because some degrees simply arent worth the investment. Of the 1312 colleges evaluated in the 2014 PayScale College ROI Report (found here:  https://www.payscale.com/college-roi/full-list/financial-aid/yes  ), graduates from 58 institutions are estimated to be worse off after 20 years compared with those who skipped college and went straight to work. These 58 lackluster institutions make up 4.42% of all the colleges surveyed. The lowest grade goes to Shaw University in Raleigh, North Carolina, where PayScale estimates that grads will be $121,000 worse off after 20 years for earning a degree. To calculate this estimate, PayScale uses an opportunity cost measure they call return on investment (ROI). After factoring all the net college costs, the report compares 20 years of estimated income of a college graduate versus 24 years of income from a high school graduate who started working immediately and didnt have to pay college expenses (or take loans). Future college students (and their parents) must realize that not all colleges are equal. The graduates from the lowest ranking schools report earning less income after graduation. The PayScale website is helpful because it allows you to see reported earnings of graduates from over a thousand colleges. I also assume that low-performing schools in this report tend to offer less financial assistance, which leaves their graduates with larger debt burdens. However, the most highly endowed colleges can reduce their cost of attendance with grants and scholarships. For example, Stanford is one of the most expensive schools based on sticker price, but its financial assistance is typically generous. So the net cost is very competitive, and their ranking is number 4 based on the PayScale study. The list, unfortunately, is not all inclusive. For example, my alma mater does not seem to be in the list at all. And, of course, there is a question about whether or not college is to be best utilized to create well-rounded, intelligent students, well-versed in liberal arts, or if college is now simply to be considered as vocational school. Nonetheless, the list has some value, as there are differences between schools and majors.Debt burdens are relative. A doctors salary can more quickly pay off a high-price education loan than can a teachers. A good rule of thumb is to avoid incurring college debts that will be more than half of your expected annual income. Limiting loans to no more than 50% of a future salary allows graduates to pay off their debts after five years, using 10% of their future salary.Some students begin to realize their faulty economics only after they have enrolled. Not surprisingly, those schools with the lowest ROI also have the highest dropout rates in the coun try. For example, we have Adams State, which has a 21% graduation rate and a 20-year net ROI of minus $20,143. What should be clear from this data is the world of difference between the outcomes of graduates of highly-rated schools, and of those near the bottom of the barrel.  Attending a college with a poor ROI is not necessarily a mistake, but the financial aid package had better be sweet.  So, treat your college decision like any investment:  you also need to do your homework before you commit your time and money to an unknown outcome. I hope I am helping the college choice discussion for you, rather than hindering! Warmly, David   I. Block, EA For Arnold, Tina and Dianne TaxMaster Financial Service Corporation (212) 247-9090 What do you think of Davids  analysis of College ROI? Does it change your view of how you will approach the college choice process? Please share below.

Text and Audience Paper Coursework Example | Topics and Well Written Essays - 2000 words

Text and Audience Paper - Coursework Example It is increasingly becoming a conventional activity. Its growing significance is affecting the relationship between corporate organizations and their various stakeholders such as clients, workers, suppliers, governments, and the communities. The article by Griffiths is to remind corporate players of the fact that taking considerable care of the people and the environment is fundamental to good financial results. Organizations are not supposed to wait for the relevant government bodies to impose certain rules and regulations for them to oblige. They have a responsibility to protect the social and cultural systems of the societies under which they expect to coexist in. To build a business based on trust and prescience, corporate social responsibility has to be considered as a fundamental factor. This is essential in building and keeping trust with communities and clients. To flourish and achieve long-term goals of a business, organizations are expected to focus on much more than issues affecting them at present, and think more about the future (Griffiths, 2010). This fact is not just applicable to the advancements in technology, but also on the changes in social, cultural, and environmental matters. Griffiths explains corporate social responsibility as â€Å"business behavior that creates the trust and commitment of stakeholders, both now and in the future†. He suggests that corporate social responsibility can no longer be viewed as a background corporate public relations strategy, but a significant factor that is gradually becoming correlated to fundamental operational performance. The key drivers of this primary concept comprise of compliance to laws and regulations crafted for this purpose, and an emphasis on the significance of environmental rules necessary to create customer loyalty and brand likeness. According to Griffiths (2010), unlike what many may suggest, â€Å"Corporate social responsibility is a set of business values and not a tool†. Due to this fact, it is unlikely to follow the line of reengineering. Not all organizations will successfully implement this concept; however, it is not logical for anyone to suggest that it has been applied to the wrong reasons. Unlike other business concepts, it is not likely to fade away anytime soon (Griffiths, 2010). This is because the environment under which corporate social responsibility operates is characterized by a much wider group of stakeholders; many of them exhibit opposing interests in this context. A good example is an incidence whereby a company decides to invest in reducing carbon emissions for environmental protection. This would mean that it probably will have to cut funding towards employee training initiatives, pay less dividend ratio, and also reduce funding towards community development program. According to Griffiths, the effectivity of the concept of corporate social responsibility can be managed in four different perspectives, i.e. â€Å"corporate gover nance and ethics, environment, people, and contribution to development†. Information plays various primary tasks in the implementation of this key concept. The general conceptual model of implementation incorporates processes, people, and technology. This is to make sure that its outcomes are integrated