Huckleberry Finn and The Modern Classroom :: essays papers

Huckleberry Finn and The Modern Classroom Imprint Twain’s story The Adventures of Huckleberry Finn, is a bigot, indecent book that ought not be instructed in American High Schools. As a children’s story, Finn is an energizing story of a kid and a runaway slave riding a pontoon to opportunity. As a book to be educated to 16-year-early English understudies, it is a novel that joins genuine supremacist issues advantageously tucked away among it’s many dissipated plots. From the earliest starting point we are cautioned â€Å"persons endeavoring to discover a plot will be shot,†(Notice) proposing that, as examining books is a focal topic in English study halls, Finn may not be the most ideal decision. The hero, Huckleberry Finn, is a 14-year-old white kid experiencing childhood in Missouri, who carries on with his life fleeing from his issues, deceiving everybody, taking, and utilizing everybody he runs over. He fakes his own demise convincingly, and all with the cool, prudence not likened to little fellows. â€Å"Well, next I took an old sack and put a ton of huge rocks in it, - everything I could drag,- and I began it from the pig and hauled it to the entryway and through the forested areas down to the waterway and dumped it in, and down it sunk, far out. You could simple see that something had been hauled over the ground. I wished Tom Sawyer was there, I knowed he would look into this sort of business, and toss in the extravagant contacts. No one could spread himself like Tom Sawyer in such a mind-bending concept as that.†(Ch. 7) This character isn’t likely what the young people of America should find out about. His capacity to callously mislead individuals to get what he needs, is a terrifying trademark, which isn’t one that ought to be instructed to receptive understudies. He has taken the misrepresentation of his own demise and, in his mine, set it in the class of the fanciful burglars and cheats games he used to play with Tom Sawyer. Huck’s buddy on his excursion down the stream is Jim, an uneducated grown-up, dark slave who has fled planning to make it to a free state. The way that Huck treats Jim now and again, misleading him or putting down him is bigot and wrong.

Free Essays on Paradigms

Human science is the orderly investigation of human culture, so when sociologists start contemplating issues and how to associate realities they built up the hypothetical worldview (Macionis 14). Human science has three significant ideal models: the basic utilitarian worldview, the social-clash worldview, and emblematic collaboration worldview. The auxiliary useful worldview is â€Å"a structure for building hypothesis that considers society to be a perplexing framework whose parts cooperate to advance solidarity and stability† (Macionis 14). The thought is that we have a steady social example more often than not, and that social structure gives our lives shape. This worldview additionally searches for social capacities. Customs and basic cordialities prop society up (Macionis). The primary trait of the basic capacity worldview is that society is steady. The preservationist side of this worldview is that we center around steadiness in any event, when there is struggle, which likewise drove sociologists to build up the social-clash worldview. The social-clash worldview is â€Å"a system for building hypothesis that considers society to be a region of disparity that produces struggle and change† (Macionis 15). Sociologists in this worldview connection such things as race, sexual orientation, age, social class, and ethnicity to disparity among cash, force, and instruction. Hence, prompting prevailing individuals endeavoring to remain on top, while the subordinate attempt to acquire for themselves. The issue with this worldview just as with the basic useful is that everything is in such wide terms, so a third worldview was created which speaks to society in ordinary encounters. The representative communication worldview is â€Å"a system for building hypothesis that considers society to be the result of the regular collaborations of individuals† (Macionis 17). In this worldview sociologists accept that society is just when individuals collaborate with one another. That is, people live in a universe of images appending to ever... Free Essays on Paradigms Free Essays on Paradigms Social science is the methodical investigation of human culture, so when sociologists start considering issues and how to interface realities they built up the hypothetical worldview (Macionis 14). Humanism has three significant ideal models: the auxiliary useful worldview, the social-clash worldview, and representative communication worldview. The basic utilitarian worldview is â€Å"a structure for building hypothesis that considers society to be a mind boggling framework whose parts cooperate to advance solidarity and stability† (Macionis 14). The thought is that we have a steady social example more often than not, and that social structure gives our lives shape. This worldview additionally searches for social capacities. Customs and basic cordialities prop society up (Macionis). The principle normal for the basic capacity worldview is that society is steady. The moderate side of this worldview is that we center around soundness in any event, when there is strife, which additionally drove sociologists to build up the social-clash worldview. The social-clash worldview is â€Å"a system for building hypothesis that considers society to be a territory of disparity that produces strife and change† (Macionis 15). Sociologists in this worldview connection such things as race, sexual orientation, age, social class, and ethnicity to disparity among cash, force, and instruction. In this manner, prompting prevailing individuals endeavoring to remain on top, while the subordinate attempt to acquire for themselves. The issue with this worldview just as with the basic useful is that everything is in such wide terms, so a third worldview was created which speaks to society in regular encounters. The emblematic communication worldview is â€Å"a structure for building hypothesis that considers society to be the result of the regular associations of individuals† (Macionis 17). In this worldview sociologists accept that society is simply when individuals interface with one another. That is, people live in a universe of images appending to ever...

The Benefits of a Multicultural America free essay sample

In America, individuals are brought up to accept that this nation was established on human rights, for example, life, freedom, and quest for satisfaction. As a general rule these rights were not generally open for minorities in United States. Minorities in America have needed to conquer snags including being treated as peons. Multiculturalism has existed since the commencement of America. Individuals have moved for a great many years moving into various territories and spreading their persuasions more than each other. David Burgos an author for aphorism, a site that represent considerable authority in promoting states, â€Å"I wager the majority of you contemplated Blacks or African Americans and Hispanics. Presumably some of you referenced Asians as well, and perhaps a couple even connected it with non-race-or ethnicity-based minority sections, for example, Muslims. In reality, on the off chance that you resemble the vast majority of the U. S. populace, almost certainly, your reaction to my inquiry did exclude Whites by any stretch of the imagination. We will compose a custom exposition test on The Benefits of a Multicultural America or then again any comparable point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Why? Since we as a general public will in general make light of the job of Whites when the discussion fixates on race-related topics† (Burgos). The blending of various societies has brought about a wide range of results relying upon their circumstance. The conviction that few distinct societies can coincide calmly and fairly in a solitary nation, this is the thought we would like to accomplish. Multiculturalism is a conviction that empowers the settlement of networks that contains various parts of social practices and thinking. Since the commencement of the United States, the idea of various societies collaborating with one another has influenced what has become present day America. In America, the progression of persistent mass migration has enormously added to the economy, political air, and the socioeconomics of the nation. The legend of the American dream was made in the nineteenth century which individuals spread bits of gossip over the world about a nation that was socially different with a blend of convention. The unpredictable circumstances in present day American are assorted and request various societies cooperating to improve this nation. Local Americans were the principal realized people to possess North America. Several clans and developments existed and disappeared because of starvation, war, and other obscure causes. Before the Europeans showed up, Native Americans were naturalists and seen the world as a blessing from their divine beings. The homesteaders saw the Natives land as an open door for them to proceed with colonel grow. Ninian R, Stein, a teacher for earthy colored college composes, â€Å"For the early European pioneers who settled in Southern New England, means, or all the more expressly agribusiness, was the socially characterized method of deciding both land proprietorship and social personality. These pilgrims and resulting ages turned their look to Native American people groups in endeavors to sort Native resource making pictures that continue in the verifiable writing. Pictures of Native American means stay key to how we today comprehend, recreate and endeavor to speak to Pre-Contact scenes in Southern New England. † Although the two gatherings had various perspectives on life, they despite everything figured out how to figure out how to convey and support exchange. This is the beginning to a multicultural thought in America and has spread out all through decades. A convergence of individuals with much more prominent assorted varieties in culture followed the main Europeans including Irish and Chinese individuals. America got more grounded because of assorted capacities that individuals from everywhere throughout the world had. Multiculturalism isn't only decent variety in a nation, in light of the fact that pretty much every nation in this world has a drape angle in which can be contended is in fact enhanced. Instances of this may remember the Christians for Syria which are in reality minority in a Muslim nation. In spite of the fact that this is decent variety in a religion sense, it doesn't qualify as an alternate social as a result of the nearby cross examination inside the two sub gatherings. The Christians and Muslims have lived respectively for a long time, the main thing that different the two gatherings from being totally comparative in life is religion. With the goal for gatherings to be delegated multicultural they must be socially unique. One gathering of individuals that was totally not quite the same as Native Americans and Europeans are Africans. Africans are one of a kind since they are the main gathering of people that went to the place where there is the free forcibly. The African slave exchange carried a huge number of Africans to America for slave work. African conventions and customs have affected nearly everything in America. Music, pop social, books all have window ornament angles that can be followed back to Africa. The relatives of Africans have additionally impacted the nation from the government level by driving the social liberties development and other recorded circumstances that help make this nation reasonable and equivalent for everybody. An article in the first part of the day call, works admirably depicting the effect that Africans have had on present day America, â€Å"The avalanche appointment of a dark president is a demonstration of the American individuals and an assertion of one of the most significant standards in the Declaration of Independence: All men are made equal(Cole). African Americans have experienced an enormous move in life that has profited everybody in the nation. Another gathering of individuals that had an effect in the multicultural development of the United States is the Irish. The Irish were a people from Ireland who moved to America in order to seek another and better life. Irish individuals needed occupations and cash so as to endure the potato starvation that stripped the number of inhabitants in Ireland Glen, Elsasser, an author for the Chicago tribune states, At the hour of the starvation, Irelands populace was roughly 9 million, whose region incorporates the old waterfront neighborhood of Fells Point, where the alleged casket ships from Ireland docked with cargoes of dead and ailing survivors of the Great Hunger. Roughly 1 million died and right around 2 million emigrated. You are discussing a country that lost 33% of its population† (Elsasser). This statement works superbly clarifying the moves Irish confronted coming to America. The cross-country railroad was an incredible open door for individuals in the Irish people group to look for some kind of employment. Most of laborers on the railroad were Irish and Chinese specialists. The Irish were fast students who coordinated rapidly into American culture rethinking overall. There have been presidents, writers, and endless other notable individuals in American that can follow their family line to Ireland. A great many people in America comprehend and grasp the commitments that the Irish individuals have had on the multicultural development of America.

Dynamic Hedge Fund Portfolio Construction - Myassignmenthelp.Com

Question: Examine About The Dynamic Hedge Fund Portfolio Construction? Answer: Introducation Wesfarmers is the main recorded organization in Australia that is focussed on the different activity for giving acceptable comes back to the investors. It is occupied with the creation, retailing, coal mining, gas dispersion and preparing, dissemination of security and mechanical items, assembling of composts and synthetic compounds and the venture business all over Australia, United Kingdom, New Zealand and different nations. Wesfarmers works 702 accommodation outlets, 83 alcohol stores, 89 lodgings and 801 Coles general stores (Wesfarmers 2017). Administration structure Name of considerable possession Holding over 20% offers HSBC Custody Niminees (Australia) Limited is holding 21.25% of all out portions of the organization. Holding over 5% shares J P Morgan Nominees Australia Limited is holding 12.29% offers and Citicorp Nominees Pty Limited is holding 5.77% portions of the organization. Name of key work force Administrator Michael Chaney AO Board individuals separated from Chairman and CEO, other board individuals are - Terry Bowen, Finance Director Jennifer Westacott, Director Vanessa Wallace, Director Wayne Osborn, Director Paul Bassat, Director Tony Howarth AO, executive Diane Smith Gander, Director James Graham AM, Director President Richard Goyder AO Any of the key work force of Wesfarmers doesn't hold over 5% or over 20% of the companys shares and along these lines does excluded from the rundown of significant investors. Key proportions Profit for resources (ROA) = (NPAT/Total Assets) Profit for Equity (ROE) = (Net benefit after expense/Ordinary value) Obligation proportion = Total liabilities/Total resources EBIT/TA * NPAT/EBIT * TA/OE = NPAT/OE EBIT/TA * NPAT/EBIT * TA/OE = 4,402/40,115 * 2,873/4,402 * 40,115/23,941 = 0.120 NPAT/OE = 2,873/23,941 = 0.120 Accordingly, EBIT/TA * NPAT/EBIT * TA/OE = NPAT/OE wonder of the variable TA/OE TA represents all out resources and OE represents standard value or proprietors value. TA/OE implies the all out resources of the organization when contrasted with the value of the organization (Halili, Saleh and Zeitun 2015). It speaks to the companys bankruptcy hazard and measures the investors exposures against the companys absolute resource. On the off chance that the companys value goes up the arrival on value of the organization will diminish. Explanations for ROE being more prominent than ROA ROE and ROA both are the measure for estimating the arrival execution of the organization. On the off chance that the all out resource of the organization is higher than the investors value, the ROE will be higher than ROA (He and Krishnamurthy 2013). Data from the site of ASX Development chart of month to month stock for most recent 2 years Wesfarmers Limited All Ordinary Index Stock development report From the above charts of Wesfarmers stock and All Ords Index, it is perceived that both the stocks are upward moving. In any case, the load of Wesfarmers is all the more fluctuating as against the supply of All Ords Index. In this manner, the load of Wesfarmers is progressively unstable. Further, the connection registered between 2 firms came about as 0.862. In this way, the stocks are uncorrelated. Ongoing declaration On 22nd December 2017, the organization reported to sell Curragh coal mineshaft for $ 700 million During July 2017 the organization reported that it will eliminate the single utilize plastic packs from all the stores For perceiving long haul relationship the organization reported extended association with WASO that will concentrate on global and local visiting During May 2017, the organization reported arrangements of 3 senior administrators as progress some portion of the gathering initiative Stock field Beta of Wesfarmers is 1.02 Hazard free rate = Rf = 4%, advertise chance premium = Rm = 6% Along these lines, required pace of return of the companys share = R = Rf + ( Rm Rf ) R = 4% + 1.02* (6% 4%) = 6.04% Traditionalist venture Traditionalist venture is the speculation approach where the estimation of venture is ensured through putting resources into the lower hazard related and ordinary salary paying stock. As the beta of the organization is just 1.02 it is viewed as a stock with lower chance (Harris and Mazibas 2013). Further, the organization is customary concerning the installment of profit. Consequently, supply of Wesfarmers can be considered as moderate speculation. WACC Calculation of WACC WACC = E/V * Re +D/V * Rd * (1-Tc), Where, E/V = Equity rate in capital structure = 81% D/V = Debt rate in capital structure = 19% Re = Cost of value = 6.04% Rd = Rate of obligation = 5.25% Tc = corporate assessment rate = 30% In this way, WACC = 81*6.04% + 19*5.25% (1-0.30) = 4.89 + 0.70 = 5.59% Ramifications of higher WACC on the board assessment The higher WACC shows that the capital danger of the organization is higher and the administration will raise the reserve from lower cost sources. Further, the organization will discover gainful venture that is related with lower chance (Zabarankin, Pavlikov and Uryasev 2014). Regardless of whether the reserve is raised through value or obligation it brought up in return of cost like intrigue hazard or profit or portion of benefit. In this way, before raising extra store the organization will mull over the WACC of the organization and discover most fitting hotspot for the organization. Ideal structure for obligation Ideal capital structure Obligation proportion Complete liabilities/Total resources Year 2017 = 0.404 Year 2016 = 0.437 The proportion at which the estimation of the organization is boosted is known as the ideal capital structure. The obligation cost is considered as low when contrasted with cost of value as the obligation are deductible under duty and the values are not deductible (Albul, Jaffee and Tchistyi 2015). For the most part, 0.4 or lower than that is considered as fitting obligation structure if the unadulterated hazard perspective is thought of. Investigating the obligation proportion of the organization, it is perceived that the obligation proportion of the organization for 2016 is 0.437 and for 2017 is 0.404. Hence, the obligation proportion of the organization is perfect and stable. Outfitting proportion For changing the equipping proportion the organization diminished their obtaining from $ 5.671 million to $ 4,066 million from 2016 to 2017. Further, the organization gave 2,378 offers for $ 93 million (Renneboog and Szilagyi 2015). In any case, the chiefs didn't specify anything identified with the changes in their report. Profit approach The profit approach of Wesfarmers considers the age of free income, accessibility of franking credits, age of benefit and guarantees to convey the developing profits over the time (Zhang 2014). Proposal From the above investigation it is suggested that the load of Wesfarmers will be remembered for the arrangement of the customer for speculation. The explanation for this is the beta of the organization is 1.02 that expresses the load of the organization is presented to bring down hazard. Further, the organization is ordinary in delivering profit. Along these lines, the stock can be considered as normal wellspring of salary. Consequently, it meets the favored measures of any financial specialist and along these lines will be remembered for the arrangement of the customer. Reference Albul, B., Jaffee, D.M. what's more, Tchistyi, A., 2015. Unforeseen convertible bonds and capital structure choices. Halili, E, Saleh, An and Zeitun, R., 2015. 'Administration and Long-Term Operating Performance of Family and Non-Family Firms in Australia', Studies in Economics and Finance, vol.32, no.4, pp.398-421. Harris, R.D. what's more, Mazibas, M., 2013. Dynamic fence investments portfolio development: A semi-parametric approach.Journal of Banking Finance,37(1), pp.139-149. He, Z. what's more, Krishnamurthy, A., 2013. Mediator resource pricing.The American Economic Review,103(2), pp.732-770. Renneboog, L. what's more, Szilagyi, P.G., 2015. How applicable is profit strategy under low investor protection?.Journal of International Financial Markets, Institutions and Money. Wesfarmers., 2017. Home - Wesfarmers. [online] Available at: https://wesfarmers.com.au/[Accessed 18 Jan. 2018]. Zabarankin, M., Pavlikov, K. what's more, Uryasev, S., 2014. Capital resource estimating model (CAPM) with drawdown measure.European Journal of Operational Research,234(2), pp.508-517. Zhang, Z., 2014. On a hazard model with randomized profit choice times.Journal of Industrial Management Optimization,10(4), pp.1041-1058.

HR problem Free Essays

All workers are constantly execution overseen and this is seen when going or advancement so the representatives are continually investing a great deal of energy to get great evaluations and examinations. At the point when huge numbers of the workers joined the organization they were informed that advancement would be accessible inside two years, anyway this has not been the situation. The general administration appear not to stress over this absence of inspiration and assume as long as the workers are bringing in cash they will be glad. We will compose a custom exposition test on HR issue or then again any comparative theme just for you Request Now Part b Problem Analysis To investigations the issues in this association we have to look the issue of inspiration at work and furthermore the mental agreement between the organization and the representative. Arnold et al (1995 refered to in Preston 2006 P. 7) recommends that inspiration is comprised of three parts: 1 . Course: what an individual is attempting to do 2. Exertion: how hard an individual is attempting 3. Determination: to what extent an individual keeps taking a stab at Looking at this recommendation you can see that For the situation of the representatives they have a key course In searching for advancement and are investing In a ton of energy to get great evaluations and examinations. Nonetheless, they are beginning to need steadiness as they An exceptionally energetic representative will be: o More dedicated to the business o An increasingly gainful specialist Happier in their Job A valuable hypothesis we can use to take a gander at inspirational issues is Mascots progressive system of necessities. Self-realization Esteem Social (having a place) Safety Physiological Preston (2006 p. 12) states ‘Mason accepted that all individuals are spurred by very similar things, yet there are various degrees of need. At the point when one lot of requirements in the chain of command has been met, we work more enthusiastically to satisfy the following level. ‘ comparable to the issue expressed before a lion's share of the representatives make a solid effort to accomplish the various phases of need, yet at this point they are inadequate with regards to inspiration since they are taking a stab at more ND working more enthusiastically to accomplish all the more however it isn't being made accessible to them. We can likewise take a gander at Victor Broom’s anticipation hypothesis he utilizes the condition x I x V) which takes a gander at the procedure of inspiration. For this situation despite the fact that the exertion being yet in by the workers is enormous, the result they are seeking after (advancement) isn't incredible or non-existent. As advancement is a high need for these workers they hence have an absence of inspiration. Another inspiration hypothesis we can connection to this issue is Douglas McGregor (1960) Theory X and Theory Y. For this situation the administration are clearly Theory X chiefs just accepting workers are persuaded by cash. The representatives will turn out to be exceptionally discouraged by this as they are making a decent attempt and not being perceived for it. The mental agreement frames some portion of the unwritten agreement and as Preston (2006 pop) states ‘differs from a composed agreement in that it is worried about verifiable desires, commitments and guarantees that the two gatherings accept have been made as to what each owes and hopes to get from one another. ‘ The mental agreement covers a great deal of territories and has gotten progressively significant in penny times where the representative expects much more from their manager. When joining the organization the workers comprehended that advancement would be accessible inside two years. This was not in the authority composed agreement yet was a known guarantee. Numerous workers currently feel shamed. They have placed in a great deal of difficult work which they expected would put them well headed for advancement. These couple of focuses are on the whole instances of the mental agreement. For this situation it is exceptionally feeble; this is likewise a valid justification with regards to why the representatives are not inspired. I figure this issue could be understood and have delivered a couple of thoughts which could support both present moment and long haul. ; Condiment openings The organization could offer its workers momentary topping open doors in a higher position when the labor is extended and needing an impermanent lift. Despite the fact that it isn't perpetual it might help increment inspiration for the time being. For the situation on Broom’s hypothesis the advancement they have been progressing in the direction of will have been made accessible (if just briefly) which will build inspiration ; Working in there divisions †increment organization information There might be an opportunity to take a gander at letting representatives work in various offices present moment particularly during low season when labor levels required are not as high. This will profit both the organization and the representative. The business will profit by the additional information and abilities the worker will realize which they will have the option to take back to their unique job. The worker will appreciate exploring new territory and being more tested in this manner expanding inspiration. ; Opportunities to work up On specific moves the chief on the job could assign his obligations to an increasingly Junior representative. This offers the representative the chance to learn at work while being administered by the supervisor. This could give a test and all the more invigorating day at work. Better the connection among chiefs and representatives Reduce the obstructions between general administration and the workforce, I. E. Improving and empowering increasingly liquid correspondence between each gathering. This will empower the administration to perceive how devoted and submitted their staff really are and permit them to have a progressively close to home thought of who their workers are. This would be a b eginning n changing the chiefs from Theory X to Theory Y administrators when taking a gander at Douglas McGregor hypothesis. The most effective method to refer to HR issue, Papers

Debunked

Debunked Ive decided that before I go to bed I should take advantage of the awesome capabilities of this wonderful invention called The Laptop. It has this unique ability called mobility that allows me to write while propped up in bed and listening to the Toy Story soundtrack. Anywho, I figured that if I was trying to keep up with my entry every other day pace I have about 15 minutes to post an entry. Unfortunately I dont have anything to say, so Im going to do a google search, find some misconception about MIT, and debunk it. This should be fun! *Searches* *Digs* *Doesnt find much, decides to make things juicy by adding CollegeConfidential to the search* *Gags at the cesspool that is CollegeConfidential while wading through it* OMG guys! You made a CollegeConfidential thread about me!? Decisions on the 22nd?????????? Ok, time for the debunking to begin, didnt think Id have to debunk my own rumor. So Im the new guy here, Ive only been officially blogging for a couple of months, and I just now realized that what can start as a simple guess as to an admissions release date can spiral wildly out of control. I underestimate your tenacity. Let me the set the record straight, por favor (I really want to avoid nasty e-mails from Ben and Matt and I have this funny feeling that said e-mails are in the works). I am a student. Students dont get to know when decisions are released. Honestly, they dont tell us, its top secret. Anything you heard me say about March 22nd was, and has always been labeled as, A GUESS. When Matt or Ben post when the decision date is we will all know together, itll be a big happy group learning experience. So thats that. Decisions may come out on the 15th, they may come out on the 22nd, they may come out on Christmas (at which point Id have to lol), I dont know. Need to pass the time between now and admissions? YouTube my friends, YouTube. Also, explore the blogosphere, theres some interesting stuff out there. Above all, dont freak out. (Im realizing that my posts dont always correlate directly to MIT. Im not sure if this is acceptable so Ill try to keep it to a minimum. Feel free to use your imaginations to connect things I talk about to MIT somehow, its a good brain exercise.)

The Impact of Cell Phones on College Success - Free Essay Example

The Impact of Cell Phones on College Success   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Are you addicted to your cell phone? You will be surprised how many people; students included have become addicted to their phones. Based on recent studies fifty percent of todays youth admit to being addicted to their cellular devices. The average student looks at their phone around eighty times per day. When added up this brings the total to about five hours a day on their phones on average. Cell phone addiction is a very serious thing and can take a toll on students learning abilities and their sleep. Many teachers claim that they see a significant difference between the students that are on their phones during class and the ones that are taking notes. In this article, we will discuss the detriment of cell phone use and how it affects college students in todays society.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   This article is talking about students and their cell phone addiction and how it is a disruption in class. Students will be using their phones in class and making excuses even if it isnt true. Many students claim to be able to multitask, but studies show that nobody can multi-task proficiently. They wont pay attention in class and their grade is reflected by it. Throughout the day students average 115 hours a day in free time that they could use their phone between class changes and at lunch. Addiction is a strong word but it is very true when talking about students and their technology usage in class. Teachers believe that students are physically there but their minds are hooked inside of their cell phones. A chemical dependency controls an addicts life, the way a students cell phone takes control of theirs. Students become addicted to their phones, and there is no help for them, whereas, people with addictions to drugs, sex and alcohol can seek help and guidance.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In an article by Dian Schaffhauser she cites research showing that cell phone use by college students during class has a negative impact on their results or outcomes. For instance notes are not as complete and grades that students score on tests are not as high as if they were distracted by cell phones during class or during the learning process. Schaffhauser suggest that since college students are adults the best policy for cell phone use in her opinion is to provide the research which shows the detrimental effects and then let the students decide for themselves whether theyll use their devices during class or not. Professor Maryellen Weimer, who has a PhD from the University of Penn State agrees with Schaffhauser. Professor Weimer suggests that most students do not multi task very well. She also believes that students who use their mobile phones take fewer notes in class and retain less information. Cell phones bring distractions to both teachers and st udents and hinder the students from interacting with society. The Huffington Post claims that schools in London who ban phone use have way better test scores. Children that use their phone have 62% less information in their notes. The digital age also brought along cyberbullying which increases the longer that they are on their devices. Black children are on their phone an average of 4 hours and 11 minutes to the white kids that average 3 hours and 12 minutes; the black children have a lower grade.

The Sterilization of Native American Women in the 1970s...

The Scythe and the Scalpel: Dissecting the Sterilizations of Native American Women in the 1970s In the old days, genocide used to be so simple. Such things as biological warfare used to keep Indians warm with small pox infested blankets furnished by the United States government, and the only thing barren and infertile was the land set aside for reservations. In the 1970s, genocide became a little more complex. Biological warfare invaded the reproductive rights of Native American women, making their wombs as barren and infertile as reservation land. The sterilization policies during this time perpetuated the genocidal tendencies that have made the eugenics movement a viable legacy of terror in the biological history of Native†¦show more content†¦4). In fact, the federally funded Indian Health Service, the very agency that was supposed to protect and provide for Indians, was the perpetrator of these sterilizations. The American Indian Policy Review Commissions report on the health of Native Americans said it best when they stated,the federal responsibility to provide health services to Indians has its roots in the unique moral, historical, and treaty obligations of the federal government, no court has ever ruled on the precise nature of that legal basis nor defined the specific legal rights for Indians created by those obligations (DeFine 1997 p.4). Thus, the Indian Health Service has always worked in strange and ambiguous ways. By the time sterilization for both the poor and minorities became an official sanction in 1970, and reservation populations became main targets of this policy, the IHS was ready to initiate its campaign against Indian women. Policy turned into perpetration, and people turned into victims. For example, in 1970 a twenty six year old Native American woman went into the office of a Los Angeles doctor and asked for a womb transplant (Johansen 1998). She was devastated when she was told thatShow MoreRelatedForced Sterilization On Women During The United States1617 Words   |  7 PagesForced sterilization on women â€Å"In the United States, 15 states have laws that fail to protect women with disabilities from involuntary sterilization† (Against her will). Sterilization of disabled women in the United States should not be allowed. It denies disabled women the rights of having children. It is sexist to force women to get sterilized but men do not have to get sterilized. Women should have the right to have children, no matter if they have a disability or if something is wrong with herRead MoreThe Genocide of the Native Culture2226 Words   |  9 Pagesthe Native Culture The thinking of a dominant white society and the savageness of Native culture is the background of the on-going struggle against cultural genocide of First Nations people all across Canada. 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Macbeth and Pi Essay - 1762 Words

Sheahan Prabhu Ms. Bancheri ENG - 3U1 November 29th, 2010 Macbeth and Pis Gradual loss of Morals Yann Martels novel Life of Pi and Shakespeares tragic play Macbeth reveal certain similarities, when juxtaposed. These two texts display the gradual loss of morals between the characters of Macbeth and Pi. This is conveyed through specific events within the two books, such as Macbeth and Pis lust to kill, their guilt and themselves going crazy, will articulate the loss of their morals. The following analysis will discuss these themes extensively. Macbeth and Pi Patel portray their gradual loss of morals through their lust to kill. Macbeths reason for killing is for power. For instance, Macbeths lust to kill is demonstrated when he†¦show more content†¦Essentially, Macbeth and Pis lust to kill clearly illustrate their gradual loss of morals. Furthermore, to Pis and Macbeths lust to kill, their personal guilt will also express their gradual loss of morals. An illustration of Macbeths guilt is portrayed by him guilty for killing Duncan (Sh akespeare, II.ii.53-55). Macbeth states in these lines that he doesnt want to look back on this incident and he is afraid to think of what he has done. Macbeth is guilty for killing the king, so he is losing his morals because he is doing different things than what he used to do. Before Macbeth used to respect the king, and later he plans to kill the king. Once his deed is done he feels guilty, which indicates his loss of morals. Pis guilt is also apparent when he wants to eat army rations for food . He says, Pity about the fact, but given the circumstances the vegetarian part of me would simply pinch its nose and bear it (Martel, 159). Pi is guilty for breaking his morals by eating army rations because they contain animal fat. It is evident that Pi says, that based on the circumstances he is in; they are too bad for him to stay vegetarian. He feels guilty for this incident because he is eating animal fat, because he has never eaten any meat or fat in his life. Pis gradual loss of m orals is revealed, through his guilt because he has to eat army rations to survive. Pi is originally a vegetarian and by eating the armyShow MoreRelatedSelected Topics24764 Words   |  100 PagesLarraine (1999) and Jackson, Fethi, Yin (2000), we construct a probit model as Griffiths et al. (1999: 740) describe, â€Å"The probit model is a non-linear (in the parameters) statistical model that achieves the objective of relating the choice probability pi to explanatory factors in such a way that the probability remains in the [0,1] interval†. It is consistent when the dependent variable yt, (t=1,2,†¦n) takes the value of 1 or 0. Economic agents are faced with two alternatives when such models arise in

The Balance Between Evolution And Creation - 1075 Words

The Balance Between Evolution and Creation By: Ashton Lyons In America, public schools are allowed to teach any philosophy explaining the existence of all species on Earth. This ranges from christian creationism to scientific evolutionary timelines. Many have disputes about which should be taught in public schools. However, there are many valid reasons why Evolution should not be the only human timeline (Wanjie, 56) taught to children in public schools. Reasons such as natural interpretation, philosophical understanding of existence, and pure human rights; everyone should be free to think. Every time a student walks into my biology class, all they learn about is the evolutionary timeline and the proof that makes it so. Not once in a biology class have they learned about how God â€Å"created Earth in 6 days† (the bible, Genesis 2:2) or how we all got here through a different philosophical standpoint. I argue that there is not enough balance between the two and that evolution is an unnecessarily dominant teaching. It would be most beneficial if we have a school that offers a separate class for the study of religion. There should be a non-bias, all inclusive, and multi- religious study class whose main focus is the understanding of other religions’ origins and how their philosophies relate to the modern world. On the other hand, there should be more work to be done to private schools about the teaching of evolution. There is a major default in private school regulationsShow MoreRelatedCreationism And Evolutionism887 Words   |  4 Pages Creationism Vs Evolutionism The debate between creationism and evolutionism has been a topic of discussion by scientists and religious believers since the 19th century. 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The matter of the fact is thatRead MoreThe Louisiana Science Education Act Essay1728 Words   |  7 PagesIn the United States, evolution and creationism remain a controversial issue as far as which method should stay in science classes across the globe. How was the earth created? How were humans created? These are questions that arise in most science classes. Many students require an explanation of why people exist. There are those who would oppose evolution, and there are those who oppose creationism. Is there a significant difference between these methods? Several states have passed regulations thatRead MoreEssay about The Origins of Life: Evolution vs Intelligent Design1634 Words   |  7 Pagesdisrupting the balance between church and state. 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B) Public school science classes are teaching science. This sums up the question of whether or not creationism should be taught in schools. Creationism is the belief that a divine entity created everything, all of theRead MoreHow Can A Christian Be A Biologist? Essay1562 Words   |  7 Pagesspectacular creation. Biologists can see the perfect alignment of the universe in the creation of cells, new life, and systems that are so intricately detailed with checks and balances. For example, this can be seen in cell division or apoptosis. I can answer this question of how a Christian can be a Biologist with a quote from the book Biology Through the Eyes of Faith by Richard T. Wright that says, â€Å"The Scriptures proclaim that creation declares its maker, and that the testimony of the creation is soRead MoreSupporting Evolution through God1621 Words   |  7 Pagesthroughout the years amongst Christians and the theory of evolution. 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McCloskey in an atheist point of view believes that the world has no reason for believing in

Analysis Of Double Eyes Were Watching God By Zora...

Double Consciousness in a Bildungsroman Self discovery is at the root of many stories. It is easily limited by external and internal factors. Tales about self discovery are often called a bildungsroman. A bildungsroman, essentially, is a coming of age novel. Both Their Eyes Were Watching God by Zora Neale Hurston and Invisible Man by Ralph Ellison are considered a bildungsroman. In the case of those two novels, there is one unique concept that contributes to their examples of self discovery. Double consciousness is that idea. It emphasizes how a person may struggle to adapt to more than one varying identities in order to fill a role within society. Double consciousness is present in both novels through the mindset and actions of characters who try to conform to the gender and racial roles placed upon their lives but find themselves in conflict with their limitations. The difference between Janie’s desire for freedom and her agreement to her transition from marriage to marriage shows a contrast in her attempt to balance multiple identities. The entirety of Their Eyes Were Watching God emphasizes Janie’s struggle to become both a woman and black person in a society that does not allow either to exist at the same time. Janie went through several marriages before she found her ultimate happiness. In her attempt to reject her Nanny’s pairing of herself and Logan Killicks, her Nanny explains that â€Å"de white man is de ruler of everything as fur as Ah been able tuh find out†Show MoreRelatedOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 PagesISTORY In the series Critical Perspectives on the Past, edited by Susan Porter Benson, Stephen Brier, and Roy Rosenzweig Also in this series: Paula Hamilton and Linda Shopes, eds., Oral History and Public Memories Tiffany Ruby Patterson, Zora Neale Hurston and a History of Southern Life Lisa M. Fine, The Story of Reo Joe: Work, Kin, and Community in Autotown, U.S.A. Van Gosse and Richard Moser, eds., The World the Sixties Made: Politics and Culture in Recent America Joanne Meyerowitz, ed

Cyber Security Free Essays

â€Å"Securing  a  computer  system  has  traditionally  been  a  battle  of  wits:  the  penetrator  tries  to  find the  holes,  and  the  designer  tries  to  close  them. †Ã‚  Ã‚  ~Gosser Warfare  has  always  been  a  game  of  cat  and  mouse. As  technology  increases  war  has  to  adapt with  it. We will write a custom essay sample on Cyber Security or any similar topic only for you Order Now Wars  have  evolved  from  a  contest  of  strength  to  a  show  of  potential. Previously  wars  were fought  with  large  armies  and  whomever  could  most  effectively  utilize  the  most  troops  with  better training  won;  now  however,  a  single  person  with  a  nuclear  bomb  can  destroy  a  city  within  seconds. In the  1980s,  a  new  technology  appeared:  the  internet. At  first  the  internet  was  just  a  way  for  people  to communicate  by  sending  text  files  to  each  other. Soon  however  the  internet  became  a  public  place  to store  and  access  information. As  more  and  more  personal  and  classified  information  gets  stored,  it  is only  natural  that  people  try  to  find  a  way  to  steal  information  for  their  own  benefits. Cyber  skirmishes are  right  now  being  fought  online  to  get  more  information. Bruce  Berkowitz  said:  Ã¢â‚¬Å"The  ability  to collect,  communicate,  process,  and  protect  information  is  the  most  important  factor  defining  military power. †Ã‚  Berkowitz  argues  that  weaponry  and  manpower  that  used  to  be  the  main  determining  factor of  wars  will  lose  out  to  the  amount  of  information  that  a  country  has. Knowing  where  the  enemies have  grouped  their  troops/weapons  will  allow  a  guided  missiles  and  unmanned  drones  to  wreak havoc. Cheap  cyber  weapons  such  as  worms  and  trojans  (viruses)  can  neutralize  conventional 2 eapons  as  missiles  and  nukes1. According  to  the  Department  of  Homeland  Security:  Ã¢â‚¬Å"Our  daily  life,  economic  vitality,  and national  security  depend  on  a  stable,  safe,  and  resilie nt  cyberspace. We  rely  on  this  vast  array  of networks  to  communicate  and  travel,  power  our  homes,  run  our  economy,  and  provide  government services. Yet  cyber  intrusions  and  attacks  have  increased  dramatically  over  the  last  decade,  exposing sensitive  personal  and  business  information,  disrupting  critical  operations,  and  imposing  high  costs  on the  economy. 2 Unlike  any  other  technological  advancement,  information  technology  has  changed  how  wars are  fought. Before  information  technology  wars  were  always  about  killing  enemy  combatants,  now skirmishes  are  about  the  speed  of  maneuvering  packets  of  information. There  is  no  longer  a  Ã¢â‚¬Å"front†Ã‚  in war;  rather  it  is  all  about  little  battles  between  counter ­invasionà ‚  and  invasion. While  previously  a command  center  would  be  untargetable  unless  you  bypass  the  enemy  armies,  now  each  Ã¢â‚¬Å"battle†Ã‚  online is  consisted  of  its  own  security  system. What  we  are  seeing  are  threats  against  critical  infrastructure,† said  Cyber  security  expert  Jessica  Herrera ­Flanigan  of  the  Monument  Policy  Group  . â€Å"So,  we  are talking  about  threats  against  our  energy  sector,  the  banking  sector,  telecommunications,  smart  grids, oil  and  gas  Ã‚ ­Ã‚  basically,  all  the  critical  assets  that  we  have  that  operate  our  day ­to ­day  living  are  being impacted. † Like  traditional  war,  cyber ­war  has  two  basic  types  of  attacks:  disruption  and  espionage. 1 ttps://www. cia. gov/library/center ­for ­ the ­study ­of ­intelligence/csi ­publications/csi ­studies/studies/vol48no4/ new_face_of_war. html 2 http://www. dhs. gov/cybersecurity ­overview 3 Disruption  attacks  can  be  compared  to  traditional  battles  between  two  armies. Attacks  of  this  type  is designed  to  halt  a  specific  site  or  server. Espionage  attacks  are  generally  attacks  for  classified information. Common  attacks  include  denial  of  service  attack,  viruses,  worms  and  trojans. Countries such  as  China  and  India  are  rapidly  outpacing  the  United  States  in  the  field  of  information  technology. Should  the  United  States  not  be  able  to  keep  up  with  China  and  India  in  information  technology,  these countries  will  be  able  to  steal  information  on  the  United  States  infrastructure  and  military  secrets. What  is  Computer  Security Cybersecurity  is  used  to  describe  a  set  of  hardware,  software  and  coding  designed  to  protect  a nation/company’s  networks,  computers,  programs  and  data  from  any  type  of  unauthorized  access. There  are  different  types  of  of  cyber  security:  Application  security  is  specific  to  different  applications (programs)  and  deals  with  the  measures  that  the  program  takes  while  it  is  running  to  prevent  errors and  handle  exceptions  when  there  is  a  flaw  (an  example  of  this  can  be  the  Windows  Blue  Screen  of Death). Information  security  is  when  a  company/nation  tries  to  defend  information  or  trade/military secrets  Ã‚  from  unauthorized  access  (an  example  of  this  is  when  Gmail  is  encrypting  its  passwords). Disaster  recovery  is  the  process  in  which  a  program  tries  to  recover  data  aft How to cite Cyber Security, Papers

Marketing Consumer Behavior Purchasing Pattern

Question: Describe about the Marketing Consumer Behavior for Purchasing Pattern. Answer: Introduction Consumer behavior is the analysis of the people or the organization regarding their purchasing pattern. The idea for purchase is directly related with the sociology and psychological satisfaction with the consumer. It focuses on understanding decision-making behavior of a consumer under variable circumstances. It gives a special preference to the characteristics of an individual while making buying decisions (Close, 2012). The individual buying pattern is judged on different parameters. There are various attributes which are necessary to be considered while taking any buying decision. Every commodity has a different utility level. Consumer behavior studies the individual inclination towards various needs (Kardes, Cronley Cline, 2014) The recent time has witnessed a rise in the online buying pattern. Customers are more likely focused on buying the goods online. The report is based on the study of the online behavior pattern of Mr. Liam. Further it reflects the individual buying pattern and help in judging his purchasing pattern. 1. Research Tools Research methodology tools are used to make an inference regarding the needs which are attached with the buying pattern of G.I Joe which is majorly done through the online purchases. The various research tools to study the market behavior is the Theory of Reasoned Action, Engel, Kollet, Blackwell (EKB) Model, Motivation-Need Theory, and Hawkins Stern Impulse Buying model. These tools help in deciding the individual buying pattern while considering the variable factors. The various tools are used to judge the buying patterns which are seen in the consumers (Four Consumer Behavior Theories Every Marketer Should Know, 2016). G.I Joe is a toy company owned by Hasbro which is famous among kids for offering the action figure. It represents American value of bravery, valor and ethical standards. The toys and the movie series is famous not among the children but also among the adults. Needs The toy purchasing behavior is highly influenced by the kids. The changing behavior outline depends upon various consumer patterns like economic, social, cultural differences. The different behavior of the consumer depends upon the economy of the country. The various attributes affects the changing consumer behavior at the present scenario. It depends upon the product and the utility attached with it. Every product has a different level of satisfaction. Some products are essential for the basic necessity. The product like and dislike is attached with the individual behavior towards the product. Variants of consumption activities Cultural factor Culture plays an essential role while deciding the behavior of an individual. A person is influenced by the end number of factors throughout his life. There is a constant interaction with the society which affects the individual needs and desire for a product. For any brand it is necessary to take into record the various cultural factors which may influence the desire for buying the brand. Here the customer Liam has a hobby to collect vintage toys which are affected by the cultural needs and desires which are attached to the product. As a child he was fascinated by the comic characters which added to his desire for collecting the toys (Kotler, 2010). Social needs Social group are large number of people whose behavior is attached with each other. It is in the form of social hierarchy. There is a similar pattern of buying seen in the large groups which affects their buying patterns. Beyond a common thread there are varieties of people who do not buy things which there counter-part is doing. In the case of Liam, the toys are not a part of the social need but the childhood influence pattern has affected the pattern for purchase. He has a desire to buy toys which is due to the outside needs. His need for collecting the toys is affected by the number of factors like mental satisfaction rather than social needs. Every individual buying patterns are different and depends largely on the individual choice (Turban et al, 2015) Personal factors There is a need of a product due to individual desire. Every consumer exhibits a different buying pattern. Two people at a different age show a different buying style. Factors like individual lifestyle, hobbies, and habits affect the consumer behavior. Personal individual needs do affect the buying trends in an individual. In case of Liam he has a desire for the product which added variance in his behavior. His hobby has made him buy the toys for collecting vintage toys (Dlabay Scott, 2010). Psychological needs Maslow hierarchy needs give special importance to the psychological needs. A major part of buying nature depends upon the buying nature of an individual. A person only buys the good if it gives him a mental satisfaction. Liam behavioral pattern are highly influenced by the mental satisfaction. His online buying pattern is influenced by the desire to collect the toys. The buying patterns of the customer are influenced due to desire for the toys (Torelli, 2013). The individual buying patterns are affected by the different behavioral patterns. The individual buying pattern of Liam reflects his online buying patterns of a consumer which vary from individual to individual. Liam has a hobby for online purchase which is shown. 2. Fishbein model The Fishbein model is a model that helps to study the behavior of the consumer. This model is also known as the theory of planned behavior or the theory of reasoned action. Fishbein model helps to explain the attractiveness and choice of the product and service by the consumer. In this model, the entire attribute related to the object is considered. This model also assist to understand the decision making process used by the consumers. It is one of the effective models to study the consumers behavior and suggest many ways to influence the same (Williams, 2014). Description of variable of Fishbein Ajzen model: There are three basic variables in Fishbein model: The attitude of customer towards a particular product or service (Ao) The beliefs that the prescribed product or service has certain attributes. These attributes are the result of prior knowledge, advertisement, etc. (Bi). The subjective evaluation of all the attributes used in the study and the entire positive outcome are also considered. The benefit that has been acquired due to this product is also considered (Ei). The formula of calculation of Fishbein model of consumer behavior is: Ao=i=1nBiEi The attitude of the consumer helps to know about the particular behavior of them for nay product or service, people, company, brand, or to other things. Such behavioral intentions help to proceed to actions (Shoham Gavish, 2016). 3. Field trip (online shopping) Market research tools Now days, market research tools has become very relevant in for the success of brands and products. It initiates from planning for customers service needs to the final production. As we know, that the situations of the market is not constant. G.I. Joe, first have to study the needs of their customers and then they have to planning in accordance with the needs and demands of the customers. Market research is the best way to know what the customers want. The managers of GI Joe were asked about the tools of market research. Heres the tool suggested by them(See the appendix) Ask to your target market It is way in which the surveys are created by the company and sent out to millions of customers through email. In this present study, the researchers asked only one customer Liam, who loves to buy toys of GI Joe. This technique helps to save time and money as it is the most effective and efficient technique used by the companies (Outreville Desrochers, 2016). One-on-one conversations- One-on-one conversations take place when two parties talk to each other directly using, phone calls, video conferencing or face to face conversation. It is the most effective way to collect data as it helps to understand the potential of the customers. It also help o dig in to the mind of him. Customer case study Customer case study refers to the study of pattern of purchasing the product by the customers. It gives you in-depth knowledge about the customers and his/her purchasing habits. Under this study, the marketer research on the Liams purchasing pattern. Social media Social media is one of the strongest tools used by many companies as well as GI Joe for the market research of its products. In this approach, direct messages and information is sending to the influencers. Advertisements are posted on very social networking site that showcase the products. Afterwards, an analysis is done on the results from the research (Mandel, Rucker, Levav, Galinsky, 2016). Online Consumer Pattern In todays fast moving world, there is a shortage of time in everyones life. There are various factors due to which Liam prefers to buy products online. It is very important to understand the psyche of the online buying customers. Companies have to understand what the customers actually want. They have to plug into the thinking of customers and find ways to attract the customers. It can be done through competitive smartness, pricing of precuts, customer service, etc. Online shopping gives them a freedom to shop in pajamas. They can also buys products in better prices and of better quality (Murphy Dweck, 2016). Reasons due to which Liam purchased GI Joe toys online are Convenience It is convenient for Liam to purchase online as he is a 26 year old man who has lots of responsibilities on him. Online purchasing helps him to save his time. Better prices As we know that there are many types of discounts and other benefits are available in online purchasing. Due to this reason, many customers prefer to do online shopping (Reny, 2015). Variety Online purchasing allows Liam to first observe all the variety of toys available in GI Joe and then make a purchase accordingly. Online purchase has the caliber to showcase variety of products. Fewer expenses As we know that online purchase does not charge much. We just have to pay only for home deliver or shipping. Even the price for home delivery and shipping is very reasonable that anyone can afford (Dahl, 2013). Comparison in prices of other products In online purchase, you can compare the quality, price, quantity, discounts and other benefits. It gives you privilege to purchase the best bit out of all. Avoidable crowds Many people do not like to face the uneven crowd of market place. In this situation, online purchase is one of the best ways to get rid of such situations. Compulsive shopping In online shopping, the buyer only buys the relevant products. 4. A summary from tutorial 5 6 Consumer behavior is a vital term for every company as the growth and success of any company depends on its customers. GI Joe is a toy making company which manufactures toys and sold them through retail stores and online also (Paul Rana, 2012). From the above study, we learnt many things about the behavior of customers. This study tells that how one customer is affected by the attributes of consumer behavior. There are various attributes that includes the behavior of the consumer like cultural, social, psychological and personal. These all attributes affect the decision making of the consumer. Liam is one customer of GI Joe products who are very much influenced by these factors. He has some connections with the toys produced by GI Joe. We also learnt about the various models that help to study the behavior of customer. We deeply studied, Fishbein model that assist us the ways to calculate the pattern of customers purchasing (Briesch Rajagopal, 2010). In this study, we study that how online purchasing helped Liam to buy toys from GI Joe. Many factors are discussed about the online shopping like price, delivery, convenience, variety, quality, etc. (Pham, 2013). These all elements help to generate ideas and information about the customer behavior. GI Joe should understand the behavior of their customers. This survey will help them to understand I noticed that the decision making process and buying behavior is a subjective view. In my view, Liam is not a typical customer. Instead o this, he is very creative and unconventional who have very fascinating imaginations. He is not an ordinary buyer. In this way, we can understand that different customers have different views (Pham, 2013). The company has many competitors too like Funskool that is a very famous brand. But somehow GI Joe has competitive advantage as they have unique products and the customers are also personally attached to the products of GI Joe. This company can provide satisfaction to their customers. For example Liam, who is a very reliable customer of GI Joe? The brand not only makes toys but also portrayed thrill and action into the lives of their customers. The concept of brand used under this company is armed and forces that shows the power of the brand and toys. Every customer of this company can relate sweet memories through its products (Griskevicius Kenrick, 2013). Recommendation Recent change in the economy has seen a change in the buying pattern of the customers. A rise in the living standard has allowed people to spend money on the goods apart from the necessity goods. Large part of New Zealand buying behavior is done through online purchases. Online trends shows customers inclination towards buying the goods from the online shop which they find is convenient and easy. A large section of the economy is dependent upon the online shops. The world is seeing a transition, the general consumer behavior patterns. While buying a toy online it is generally seen that the customer decisions are influenced by the price. While studying the individual consumer pattern it can be seen that even at 26 he has a hobby to collect toys which reflects that consumer buying patterns depends upon his satisfaction level. Increase in an online buying pattern has affected the consumer decisions. There are end numbers of websites where the similar goods are available at a different price. In this case the customer has made the maximum number of purchase through the online website. The time taken for delivery of goods is more than the general shopping. The G.I Joe toys are imported from the USA which may affect the consumer intentions. While online shopping there are issues related to buying authentic goods and at the same time it is generally seen the goods which are sold are sometimes not delivered in time. Most necessarily the consumer individual wants the good to be delivered in a fine condition for which they have paid. The goods which are sold online reach customer in an ordinary pattern. The seller must focus on creating a fascinating packing which attracts the customers. They should strive hard on the online packaging as most of the customers are kids. Retention of customers is necessary to achieve the goals. G.I Joe is a renowned toy brand which is selling their toys and video-games through online sale. Consumer behavior varies from individual to individual. The study of the behavior of Liam shows that the individual tastes and preferences vary depending upon the satisfaction the product is giving to its buyers. By studying the behavior pattern of Liam it is concluded that the individual buyer have different. Price and time are the two different aspects which affects the individual consumers pattern. The major consumer behavior of him is his childhood memories. The buying pattern of individuals depends upon their needs. Every individual shows variety of trends while making a purchase (Consumer behavior in heavily influenced by large social networks that allow consumers to have crowd clout, 2016). The market behavior is subject to flux. It is largely seen that every customer has different preferences while comparing it with other factors. Liam behavior exhibits a psychological need. Maslow hierarchy model focuses on the satisfaction of the need which is necessary for an individual to succeed. Study of Liams individual behavior focuses on the study of individual level of satisfaction which differentiates from person to person under different circumstances (Yojoe.com. 2016). Instruction for the company Though the company has a good position in the toys industry but still there are many improvements that need to be done to achieve a remarkable position. There are various ways by which the GI Joe can attain the position of one of the best company in the toys industry. There are many competitors I the market from which this company have to fight every day. The company can attain a competitive advantage through analyzing the consumer behavior. This will help them to understand the needs and wants of the consumer and manufacture the products in accordance with the same. The toys industry also has to face the fear of substitutes as there are many elements by which one can entertain itself. This fear of elimination can be cover u through expansion of business into other Ares like online app of games, game zones in malls, advertisement, promotions, free vouchers, etc. in this way GI Joe will become what they dreamt for. Conclusion The report shows the online buying pattern of Mr. Liam. He has a hobby to collect the vintage G.I Joe toys. It basically shows the buying pattern of an individual under different circumstance. A consumer behavior is influence by variety of factors which vary from person to person. The study of consumer behavior through Fishbein model has helped in understanding the buying pattern of Liam which is necessary to be taken care while making any significant inferences. The report has discussed major attributes which played an essential role while deciding the buying pattern. The various consumer behavior patterns are essential to study the general consumer behavior. The study further discusses the recommendation made to the seller for increasing the online buying patterns. Globalization has changed the buying patterns of the consumers .The Customers living at different part of the world shows different shopping behavior which is accompanied with different pattern like social, economic, and cultural differences. References Briesch, R. Rajagopal, P. (2010). Neural network applications in consumer behavior. Journal Of Consumer Psychology, 20(3), 381-389. https://dx.doi.org/10.1016/j.jcps.2010.06.001 Close, A.2012. Online Consumer Behavior: Theory and Research in Social Media, Advertising, and E-tail Advances in Consumer Psychology Series. Routledge Consumer behavior in heavily influenced by large social networks that allow consumers to have crowd clout.2016. Online. Retrieved from: https://www.business-standard.com/article/news-cm/consumer-behavior-in-heavily-influenced-by-large-social-networks-that-allow-consumers-to-have-crowd-clout-116090801228_1.html Accessed on: 1 October 2016. Dahl, D. (2013). Social Influence and Consumer Behavior. Journal Of Consumer Research, 40(2), iii-v. https://dx.doi.org/10.1086/670170 Dlabay,L. Scott,J.2010. International Business. Cengage Learning Four Consumer Behavior Theories Every Marketer Should Know 2016.Online. Retrieved from https://onlinemasters.ohio.edu/four-consumer-behavior-theories-every-marketer-should-know/ Accessed on: 1 October 2016. Griskevicius, V. Kenrick, D. (2013). Fundamental motives: How evolutionary needs influence consumer behavior. Journal Of Consumer Psychology, 23(3), 372-386. https://dx.doi.org/10.1016/j.jcps.2013.03.003 Kardes, F., Cronley, M. Cline, T.2014. Consumer Behavior. Cengage Learning Kotler, P.2010. Principles of Marketing. Pearson Education Mandel, N., Rucker, D., Levav, J., Galinsky, A. (2016). The Compensatory Consumer Behavior Model: How self-discrepancies drive consumer behavior. Journal Of Consumer Psychology. https://dx.doi.org/10.1016/j.jcps.2016.05.003 Murphy, M. Dweck, C. (2016). Mindsets shape consumer behavior. Journal Of Consumer Psychology, 26(1), 127-136. https://dx.doi.org/10.1016/j.jcps.2015.06.005 Outreville, J. Desrochers, J. (2016). Perceived risk: an experimental investigation of consumer behavior when buying wine. Journal Of Consumer Behaviour. https://dx.doi.org/10.1002/cb.1593 Paul, J. Rana, J. (2012). Consumer behavior and purchase intention for organic food. Journal Of Consumer Marketing, 29(6), 412-422. https://dx.doi.org/10.1108/07363761211259223 Pham, M. (2013). Introduction to research dialogue on evolutionary psychology and consumer behavior. Journal Of Consumer Psychology, 23(3), 349-350. https://dx.doi.org/10.1016/j.jcps.2013.04.002 Reny, P. (2015). A Characterization of Rationalizable Consumer Behavior. Econometrica, 83(1), 175-192. https://dx.doi.org/10.3982/ecta12345 Shoham, A. Gavish, Y. (2016). Antecedents and Buying Behavior Consequences of Consumer Racism, National Identification, Consumer Animosity, and Consumer Ethnocentrism. Journal Of International Consumer Marketing, 28(5), 296-308. https://dx.doi.org/10.1080/08961530.2016.1214661 Torelli,C.2013. Globalization, Culture, and Branding: How to Leverage Cultural Equity for Building Iconic Brands in the Era of Globalization. Springer Turban, E. et al .2015. Electronic Commerce: A Managerial and Social Networks Perspective. Springer Williams, P. (2014). Emotions and Consumer Behavior. Journal Of Consumer Research, 40(5), viii-xi. https://dx.doi.org/10.1086/674429 Yojoe.com. (2016). G.I. Joe Action Figure Database - YoJoe.com. Online. Retrieved from: https://www.yojoe.com/ Accessed on : 1 October 2016.

Tweak by Nic Sheff free essay sample

Addict Tweak is a tale of addiction describing the experiences of Nic Sheff, who was for many years addicted to various drugs. Meth and heroin to begin with, later coke and mixing different drugs (Tweak). This book was actually written in response to a book by David Sheff called Beautiful Boy. It was about the experience of dealing with his sons addictions and their consequences for his family. Nic Sheff was 18 and collage bound when he discovered crystal meth. At first his father had no idea. Then came a call from his school, the late nights, the lying, the ghoulish pallor and the wasting away. David’s life became an eternity of waiting, for the phone to ring, the door to open, or for any sign that his Nic was safe. His fears were less dreadful than his son’s reality; begging, dealing, and promiscuous sex whatever it took to dim the pain. We will write a custom essay sample on Tweak by Nic Sheff or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The feeling of emptiness that had terrorized him at least since his parents’ divorce when he was a child. The first third of Tweak is a demonstration of the kind of depraved lifestyle Nics addiction leads to, a study of how quickly an addict can move down the downward spiral to the point where he or she will do absolutely anything for drugs, or money for drugs, for instances stealing even from his loved ones. Nothing was out of the question. In this book, Nic repeatedly addresses the question of how far a person can fall apart before they realize they need to pull themselves together. Sheff enters rehab multiple times, but for various reasons he relapses into heavy drug use, despite a few near-death occurrences and an absolutely, unlivable lifestyle. Each time he tries to come back to reality, so Sheff reaches out to his family and close friends, but not surprisingly, after several times of hearing the same song the relationships become more and more shaky, and even family members stop believing that he will remain sober. It was the classic story of the boy who cried wolf in their eyes. I have to say at the beginning of the book, I was expecting to get more insight into Nic Sheffs behavior and to gain an understanding of , or sympathy for his choices and lifestyle. This didnt happen. I was truly shocked at just how depraved and desperate his lifestyle became each time he descended into heavy usage. Relationships with friends and family meant nothing, except as a means of gaining money to keep up with his drug habits. Second, I became increasingly upset at how many chances he had to pull himself out of the mess, or at least try to pull himself out, or had even gotten out and chose so easily to return. I really do think that he behaved in an entirely self-centered, and destructive way, completely refusing to open his eyes to the truths around him. I guess thats the point, drugs were a side effect of depressing truths in his life that he was too afraid to realize. I completely understand how after the first few times of listening to him go on about how his life had changed, They would stop believing that he would stay sober. Im not sure I even believed it now. I am glad I read Tweak, if only to open my eyes a bit to just how bad an addiction can really be, how strongly deep-seated insecurities and unfinished business can affect the addiction, and how truly difficult it is to bring yourself out of the cycle of hardcore addiction. Tweak by Nic Sheff free essay sample Addict Tweak is a tale of addiction describing the experiences of Nic Sheff, who was for many years addicted to various drugs. Meth and heroin to begin with, later coke and mixing different drugs (Tweak). This book was actually written in response to a book by David Sheff called Beautiful Boy. It was about the experience of dealing with his sons addictions and their consequences for his family. Nic Sheff was 18 and collage bound when he discovered crystal meth. At first his father had no idea. Then came a call from his school, the late nights, the lying, the ghoulish pallor and the wasting away. David’s life became an eternity of waiting, for the phone to ring, the door to open, or for any sign that his Nic was safe. His fears were less dreadful than his son’s reality; begging, dealing, and promiscuous sex whatever it took to dim the pain. We will write a custom essay sample on Tweak by Nic Sheff or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The feeling of emptiness that had terrorized him at least since his parents’ divorce when he was a child. The first third of Tweak is a demonstration of the kind of depraved lifestyle Nics addiction leads to, a study of how quickly an addict can move down the downward spiral to the point where he or she will do absolutely anything for drugs, or money for drugs, for instances stealing even from his loved ones. Nothing was out of the question. In this book, Nic repeatedly addresses the question of how far a person can fall apart before they realize they need to pull themselves together. Sheff enters rehab multiple times, but for various reasons he relapses into heavy drug use, despite a few near-death occurrences and an absolutely, unlivable lifestyle. Each time he tries to come back to reality, so Sheff reaches out to his family and close friends, but not surprisingly, after several times of hearing the same song the relationships become more and more shaky, and even family members stop believing that he will remain sober. It was the classic story of the boy who cried wolf in their eyes. I have to say at the beginning of the book, I was expecting to get more insight into Nic Sheffs behavior and to gain an understanding of , or sympathy for his choices and lifestyle. This didnt happen. I was truly shocked at just how depraved and desperate his lifestyle became each time he descended into heavy usage. Relationships with friends and family meant nothing, except as a means of gaining money to keep up with his drug habits. Second, I became increasingly upset at how many chances he had to pull himself out of the mess, or at least try to pull himself out, or had even gotten out and chose so easily to return. I really do think that he behaved in an entirely self-centered, and destructive way, completely refusing to open his eyes to the truths around him. I guess thats the point, drugs were a side effect of depressing truths in his life that he was too afraid to realize. I completely understand how after the first few times of listening to him go on about how his life had changed, They would stop believing that he would stay sober. Im not sure I even believed it now. I am glad I read Tweak, if only to open my eyes a bit to just how bad an addiction can really be, how strongly deep-seated insecurities and unfinished business can affect the addiction, and how truly difficult it is to bring yourself out of the cycle of hardcore addiction.

Image of Society essays

Image of Society essays The influence of media in society has effects on various age groups. When newspapers, magazine, and flyers, were the only mass media in the old days, influence of media in society wasn ¡Ã‚ ¯t as prominent as present. The development of technology has a significant impact on the contemporary society. The most effective and fastest tactic to reach people ¡Ã‚ ¯s mind is through media images and programs today. Television, as a prominent approach to deliver message, has potential to generate both the positive and negative effects on society. Not all media through radios and televisions are harmful. However, exposure to violence, inappropriate sexuality and offensive language are very convincing; especially to the children and teenagers. The growth of media also opened door to different culture across the world, which not only disturbs the contemporary society, but strengthen human access to the open world. Recently, the Hip-Hop industry is shaping the trendiest teenagers in America with their powerful and significant market force. How is Hip-Hop culture reaching out to the all the teenagers in the United States? The answer is simple. It's through media that is delivered straight to the living rooms of every family and they are present all around the world. It was impossible to be effective as it is now without the media. The most Americans in the old days were not introduced to different cultures such as: African-American culture or Asian culture, because media was dominated by white communities in earlier centuries in America. It was not until later when other ethnic groups were showed on TV screens. Then they started to catch up with the cultures all over the world. This illustrates that media limits people ¡Ã‚ ¯s creativity and well as widen the gap between different cultures. It would have been difficult to represent hip-hop culture without power of media. Ever since, demand for television grew dramatically; more people now have bet...

How to Pay for College Complete Guide

How to Pay for College Complete Guide SAT / ACT Prep Online Guides and Tips You did all the work of getting into your dream schools - researching the colleges, visiting campuses, getting great test scores, putting together a polished application - and still have to deal with one major obstacle: paying for college. Few students canpay for a full year at college without some assistance, but almost 2 million students graduate with a bachelor’s degree each year in the US - they must be paying for school somehow, right? Whether you’re a high school student or a current undergraduate, it’s never too early (or too late) to think about minimizing your college costs to make school more affordable. In this post, I’ll go through everything you need to know about how to pay for college. I’ll start off by talking about what college actually costs before moving into application strategies, figuring out how much money you need, how much aid you can get, and how much you should actually be paying. We'll cover all the major ways to pay for college that families usually use. At the end, I’ll offer some more creative options for closing the gap between your financial need and your actual cost. First, How Much Does College Cost? The first step in understanding how to pay for collegeis having a good understanding of what your expenses will be. For the 2014-2015 academic year, the average cost of tuition and fees for one year was: $31,231 at private colleges $9,139 for state residents at public colleges $22,958 for out-of-state residents at public colleges This is the cost that people typically consider when they think of college expenses. Unfortunately, there’s a lot more to the picture than just tuition costs - there are also hidden or implicit expenses associated with spending a year at college. These other annual expenses include: Room and board - averages $,188 at private colleges, $8,804 at public colleges College textbooks - average cost is about $1,200 Travel costs - these will vary widely based on the student Lab fees and supplies - these will come to about $50 per class if they're not already rolled into fees Personal expenses - most students budget about $2,000/year to cover personal costs like toiletries and entertainment Lumping together all of these expenses (if you can estimate travel and personal expenses) will give you a school’s real sticker price - the Cost of Attendance. It’s pretty easy to get an estimate of a school’s CoA- just google â€Å"[school name] cost of attendance.† While it's important to know a school's CoA, perhaps a more important figure to know is your "net price" -it’s what you pay after all financial aid is taken into account. This is what you actually owe, out of pocket, for a year at school. Want to estimate your net price at a particular school? Just google â€Å"[school name] net price calculator† - many schools have tools that will give you an estimate of how much you’ll pay out of pocket. These calculators take financial need and sometimes merit-based factors into account. Minimizing Costs With Your College Applications Cutting costs can be as simple as applying to the right schools - make paying for college easier from the beginning. If you’re applying to collegeswith price in mind, your strategy should focus on lowest net price, not necessarily lowest sticker price. Apply broadly so that you can consider as many options as possible. You have nothing to lose by applying to a wide range of schools, aside from application fees. If these fees are an issue, ask your guidance counselor about fee waivers. Once you've been accepted to schools,you’ll receive official financial aid packages. You can then determine which packages you’re most comfortable with (I'll go through some example financial aid packages at the end of the post). Once you start looking over different financial aid offers, you might notice that not all types of aid are created equal. Just because a financial aid package will cover all your â€Å"unmet need† doesn’t mean that it will do so in a way that you’ll find helpful (for example, an aid offer might offer large high-interest loans). Look over each package carefully to determine how much money you’ll actually pay, both now and in the future. Example: Aschool that offers you 5k in grants and 40k in high-interest loans (45k total) will have you paying much more in the long run than a school that offers you 25k in grants, 10k in low-interest loans, and 5k in high-interest loans (40k total). In general,grants and scholarships tend to be better aid options than low-interest loans or federal work-study. High-interest loans are the least desirable forms of aid. You don't have to pay back grant or scholarship money, but you do have to pay back your school loans (and high-interest loans cost you more in the long run than low-interest ones). How Do You Figure Out How Much You Need to Pay for College? Now may be a good time to whip out your trusty TI-84. There are a few different steps to figuring out how much aid you’ll need in order to afford college: 1. How Much Will School Cost? Your total expenses will depend on where you decide to go to school, whether you're living in a dorm, and what sort of travel and personal expenses you'll need to account for. Use the info aboveand this guide to get a good estimate of what your sticker price will be. 2. What Can You Afford? Your family’s idea of what you can afford may differ from what schools and the Department of Education think you can afford. To address this discrepancy, I have two strategies to figuring out what your family can contribute to college costs: an "unofficial" (perhaps more realistic) one, and an official one. Theunofficialstrategy will tell you what your family can reasonably contribute, whereas the official strategy tells you what you may beexpected to contribute. The "Unofficial" Strategy Sit down with your parents/guardians and crunch some numbers. Schools often expect families to contribute at least 10% of annual income to college costs, even if schools themselves can’t offer enough aid to cover the difference. What would it mean for your family if they had to contribute 10% to your college expenses for four years? What if they were asked to contribute more than 10%? The "Official" Strategy Use the FAFSA4caster to estimate your federal aid eligibility. The tool will spit out a number called an EFC, or Expected Family Contribution - this is the figure that the FAFSA4caster has determined your family can afford to pay. The more accurate the info you enter into the FAFSA4caster, the more accurate your EFC will be. When you submit the real FAFSA, the federal government will use the application to determine aid eligibility. Many schools also use the FAFSA to award their own need-based aid. 3. What's the Difference Between What You Can Afford and What You Owe? The final step in determining how much aid you need is figuring out the difference between your CoA (cost of attendance) and the amount you can comfortably afford. The difference will be the amount that (ideally) you can get covered with financial aid, including grants, loans, and scholarships. Anything that remains â€Å"uncovered† is your responsibility to pay. For example, if a school’s CoA is 50k and you get 20k in grants and 20k in federal subsidized loans, 10k will be your responsibility. You can pay the amount that year, take out private loans or PLuS loans, or a combination thereof. How Much Financial Aid Can You Get? Let's figure out how much money you can get your hands on. Unfortunately, just because you have demonstrated financial need doesn’t mean you can get that need covered at any school you wish to go to. Most college students in the US get some help paying for college, but the amount of money you can get will depend on quite a few different factors. In this section, I'll talk about the main variables that affect how much aid you can get and the different ways to pay for college. Financial Need The greater your demonstrated financial need, the more aid you're likely to get. Students with exceptional financial need may beeligiblefor federal programs like the Pell Grant or Perkins loan. Need-based scholarships, like the Gates Millennium Scholarship program, are also viable funding options. Finally, schools that offer need-based aid will award more funds to students with greater need. Your Choice of School Put simply; top-rated schools tend to have more money, which means they can offer more generous financial aid packages. Some schools even claim to cover all unmet financial need. Whether you attend a public or private college will also affect your net costs. Private schools tend to cost more than public in terms of sticker price, but they tend to have better financial aid programs. Public schools are relatively inexpensive for state residents, but can be very pricey for out-of-state applicants. Merit The greater your strengths, the more opportunities you'll have for educational funding. Merit-based institutional aid is often offered in the form of sports scholarships or academic scholarships (for students with high grades or SAT/ACT scores). Not all schools offer merit-based aid, but some do in order to attract high-caliber applicants. Merit-based scholarships are also good funding options for ambitious students. Many private scholarships give out awards based on GPA, test scores, community service, and leadership experience. Being a high performer in any of these areas will help your college applications, but they’ll also help your scholarship applications. Initiative Ultimately, access to many of these financial opportunities comes down to initiative and personal organization. One of the most important ways initiative comes into play is when it comes to keeping track of (and meeting) deadlines - you won't be able to get any forms of financial aid if you don't have an organized timeline. To give you a bit of a head start, I've compiled important deadlines so that you can maximize your aid opportunities: Federal FAFSA deadline -For the 2015-2016 academic year, the federal FAFSA deadline is June 30, 2016. The earlier you apply, the better - you don't want funds for certain programs to run out. For the 2016-2017 academic year, the FAFSA will open January 1, 2016. State FAFSA deadline - These deadlines vary be state. If you're interested in qualifying for state funding (you should be interested), check the FAFSA deadline for your state. CSS/Financial Aid PROFILE deadline - The PROFILE is an aid applications that some schools use in lieu of (or in addition to) the FAFSA. Deadlines vary by school, so check with the colleges you're applying to if you know you'll have to submit a PROFILE. Check this list of participating schools and programs for more info. Scholarship deadlines -Deadlines for different scholarship programs vary widely. If you do plan on applying for scholarships, you may as well go all out and apply to as many as possible. Many scholarships ask for similar things from applicants: a personal statement, transcripts, ACT/SAT scores, letters of rec., etc. Check out our list of top scholarships to get an idea of typical scholarship deadlines. For more information on applying for financial aid, check out our step-by-step guide. How Much Should You Pay for College Out-of-Pocket? How much is too much to pay in cash and loans? So we've gone through strategies for minimizing costs, determining need, and calculating likely aid. What we haven't covered yet is perhaps the most important question you should ask yourself before committing to a particular school: how much should you pay, both in cash up front and in loans after graduation, for your education?If you have the opportunity to attend one of your target schools or even reach schools, but the financial aid package isn’t as great as you expected, what do you do? Is it worth it to pay more than you can afford to attend that college? I can't give you a clear answer to these questions,but I can give you some information that will help you figure them out for yourself: 1. Attending a Better School Leads to Better Networking and Career Opportunities More prestigious or better-ranked schools often have stronger alumni networks andrecruitingevents. A diploma from a better school is also a better "signal" to future employers or graduate schools. Ultimately, you may earnmore money in the long run if you attend a high-ranking college. There are a few caveats to keep in mind, however. First, you may not equate a higher salary with success, especially if you don't plan on pursuing a high-earning career. Second, a college degree on its own (regardless of where you go to school) is correlated with higher earnings. Finally, income is probably more strongly associated with your choice of career than it is with your choice of college. For example, students who graduate in math/science fields tend to earn more than other students. 2. Student Loan Debt Can Limit Your Future Choices Loans often have a grace period (a period of time after graduation where you don’t yet have to make payments), but after this grace period, looming student debt can limit your career options. Things like travel, unpaid internships, or volunteer work may be out of the question if you have to make hefty monthly loan payments. If you have severe financial problems later in life and declare bankruptcy (where all your debts are forgiven - you start with a clean slate, but your credit is destroyed), student loans are essentiallynon-dischargeable. Even if you face extreme financial hardships through no fault of your own, student debt is notoriously sticky, and usually, won’t be canceled by bankruptcy. In sum, student debt is a commitment. The more loans you take out, the more your debt will affect the rest of your life choices. 3. Student Loan Debt Can Be Flexible, and Even Forgivable There are different repayment plan options for recent grads who aren’t making much money, including income-based and graduated repayment plans. You pay more in the long run, but monthly payments are smaller when you’re younger and aren’t making as much money. This affords you a degree of flexibility. Additionally,you usually don’t have to make payments on your loans if you are in graduate school. Finally,some student loans can be forgiven or canceled if you work in certain public service careers. This means you can pursue a (relatively) low-paying career option without worrying about paying back student debt. How Do You Determine Your Willingness to Pay? The right amount to pay out-of-pocket for college will depend on what you’re ultimately comfortable with. Some questions to consider before deciding what you’re okay paying for school, both now (in cash) and in the future (with student loan payments) include: Will this school offer you unparalleled networking/professional opportunities, or can you get similar opportunities somewhere less expensive? Does this school offer an especially strong program in a field I want to pursue? How much do you (realistically) anticipate earning in the 5-10 years after you graduate? Based on your career path, what will you be able to afford in terms of monthly student loan payments? Are there ways to cut down personal costs/expenses to lower your cost of attendance? What sacrifices are you willing to make, and what sacrifices are out of the question? Can you get a student job to mitigate some of your costs? Would getting a student job negatively impact your studies? Last, but not least: how does this amount of debt or expense make you feel? If you anticipate burdened or overwhelmed to the extent that your quality of life is negatively affected, is the expense worth it? Only you know the answers to these questions. I encourage you to be thoughtful and honest with yourself - the costs and benefits of attending a particular school are long-lasting and far-reaching. Paying for college is an investment in yourself and in your future, but you want the investment to be premeditated and purposeful. If you’re dead-set on attending a particular school that’s a little pricier than you’d like, read on for tips on making college a bit more affordable. Creative Ways to Pay for School Let's get the creative juices flowing. There are other ways to get money for college besides federal and institutional financial aid. If you have a bit of time on your hands, these next options could help you make college more affordable. Scholarships You can start applying for scholarships any time - you don’t even have to be in high school! Many of the bigger scholarships, though, are targeted towards graduating high school seniors. Before you even apply to colleges, start checking out scholarship options, ideally sometime during your junior year. There are so many scholarship options out there - big and small - that could make a world of a difference. To start your scholarship search, check out our guides to the top awards for high school juniors and high school seniors. Student Jobs This won’t be right for everyone, but a student job can be a practical (and sometimes even fun) way to cover some of your expenses. Students with federal work study awards, in particular, will have plenty of on-campus job options. Ideally, you can get both professional career experience AND some extra cash. Paying for College: Reals Now that we've gone through everything you need to know about paying for college, from cost-minimization strategies to creative cost solutions, we can put everything together to see examples in action. I'll present two different examples to reflect two different, but realistic, situations. For each example, I'll walk through different payment options for each (hypothetical) student. Example 1 In this example, a high-achieving Arizona student from a relatively wealthy family has received a financial aid offer from Arizona State University. Remember when we went over factors that affect aid? We know that she's applied to an in-state public school, she's high-merit, and she has relatively low financial need. The first two factors will positively affect the amount of aid she receives, whereas the last factor will negatively impact her aid. Here's an idea of what her aid offer would look like: Her net price - what her family would have to pay out-of-pocket for all expenses - comes to $14,260 for the year. She's responsible for paying this entire amount if she wants to register for classes at ASU. She has a few options when it comes to tackling this expense: If her family can afford to do so, they could pay the entire $14,260 for the year. This would be less expensive than taking out loans in the long run because the student wouldn't be responsible for accruing interest charges. The student could take out the entire amount in loans. If she did this for all 4 years of college, her debt would come to about $60,000 - more than twice the average amount of US student debt. She may be able to take out some low-interest federal loans to mitigate these costs. The student's family could pay some amount in cash, and the student could take out the remaining balance in loans. The student could apply for merit-based scholarships, and get part or all of her net price covered. If a balance remains after winning scholarships, the student could pay with cash; she could take out loans, or she could cover the balance with some combination of cash and loans. The student could get a student job and pay down some of her net balance while she's in school. It would be very difficult, however, to earn almost 15k/year while shes's also a full-time student - 2-3k would be a reasonable goal. Keep in mind that if this student were not high-achieving, she likely wouldn't have earned the ASU scholarship. Her net price would have been $27,260 instead of $14,260 - her good grades and ACT/SAT scores saved her $13,000 in her first year of college. Example 2 In this example, a high-achieving California student from a relatively low-income family has received a financial aid offer from Stanford University. We know that he's applied to a top private school with a high sticker price but a generous financial aid program, he's high-merit, and he has high financial need. All three factors will positively impact the amount of aid he receives. Here's an idea of what his aid offer would look like: His net price comes to $5,000 a year, even though the total cost of attendance is a staggering $64,900. He has a few options when it comes to paying this annual expense: His family may pay part or all of his net cost. Given that he comes from a lower-income family, however, they may not be able to afford this. He could apply for need-based or merit-based scholarships. Even if he got several smaller scholarships, he could cover a significant part (or even all) of this annual cost. He could get a student job to cover these expenses. If he got paid work during the summer and the school year, it wouldn't be unmanageable to pay 5k per year. He could take out student loans to cover part or all of his expenses. Given that his family is low-income, he would likely qualify for low-interest federal loans. Even if he took out 5k loans for 4 years of college, his student debt at graduation would be lower than that of the average US graduate. What's Next? Excited to start budgeting for college? Of course, you're not - it's like the least fun part. Even though it's not exactly thrilling, it doesn't have to be painful. Your first stop should be our clear guide to what college actually costs. Your next stop should be prepping for financial aid applications. Read our guides to applying for financial aid and submitting a FAFSA. Ready for something a little more fun? Check out our guides to the top scholarship programs for high school juniors and seniors. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: