Nineteen Eighty Four Essays (586 words) - Fiction, Literature

Nineteen Eighty Four Nineteen EightyFour as one of Mr.Orwell best books, it has its own style -- freedom. It was a fiction novel since Mr. Orwell wrote it before 1984. Many strange things make people confuse, such as: Hate Week, Hate two minutes, Telescreens, BIGBROTHER IS WATCHING YOU... One of the most important word in the novel so far is telescreen, not only because it is a strange word, but this is the machine could compare to our super machine--computer, it is also the symbol of the bad luck to Winston and it could compare to the news in our society in 1999. Firstly, the telescreens work can be linked to the computer of today's society. Computers are controlling more and more range of our lives. The number of computer user is rapidly increasing. There are different computer schools all over the world. With the increasing amount of electronic business and the accelerated expansion of the Internet in recent years (even months), the amount of personal information tracking, storage, and dissemination that is occurring is also quickly getting out of hand. Now, for those who know how to look for it, almost too much information has become available to computer users. Governmental desire for control of the paper less domain may eventually become a threat to society as it tries to monitor users of the Internet and others who do not even currently own a computer... Therefore, computer controls everyone which is exactly the same thing as telescreen does--spy. Secondly, it is the symbol of the bad luck to Winston. Every time he looks at the telescreen, in the deep of his heart feel the scare, no freedom. One night Winston dreams about, his mother and sister, who had starved to death in the war, because he had been so greedy. Then he dreams of having sex with a girl he has seen in the Records Department, during the Two Minute Hate. Early in the morning Winston is waken up by the harsh voice from the telescreen, after such a bad dream night, the first thing he sees is the telescreen, again it proves the telescreen is the symbol of the bad luck. Finally, telescreen could compare to the news in our society. Telescreens are the major form of media communication in Oceania, and they desiminated 'news' to the populace. However, as with all real dictatorships, this news was almost all false. Despite this, it was believed by the vast majority of the population simply because of where the information comes from. One of the reason Winston does not like his wife is because his wife believes everything from the party although Winston thinks the party is not telling the truth. Check the news in our society. How many of them are telling the truth. The head of the cheater: Newspaper, today they can ... is good, tomorrow they will say he is evil...Just like 1948 most people believe them, and obey them. In conclusion, telescreen is the most important word in the novel so far because of the comparison of the telescreen and the computer, the news from the telescreen and the news from the newspaper, and the bad luck for Winston. Today, when people sit in front of the television. They can not image it is used to control people fifty years ago. They do not know something is controlling them instead of the television right now and they will not know what is going to control them after fifty years. English Essays

Athnea essays

Athnea essays Athena, the goddess of wisdom and military victory, and also the patron of the city of Athens, was Hercules' half-sister. Athena is also the Greek virgin goddess of reason, intelligent activity, arts and literature. Her parents were Zeus and Metis, a nymph. Zeus heard a prophecy that the child Metis bore after she gave birth to Athena would become the lord of heaven, so, to prevent this from happening, he swallowed Metis while she was still pregnant with Athena. When the time came for Athena to be born, the smith god, Hephaistos, opened Zeus' head with an axe, and Athena stepped out, in full armor. She was Zeus's favorite child and was allowed to use his weapons including his thunderbolt. She is the goddess of the city Athens, handicrafts, and agriculture. She invented the bridle, which permitted man to tame horses, the trumpet, the flute, the pot, the rake, the plow, the yoke, the ship, and the chariot. She is the embodiment of wisdom, reason, and purity. Athena was also fierce and brave in battle but, only wars to defined the state and home from outside enemies therefore, she often helped heroes, like Jason and Perseus. She wore an aegis, a goatskin shield which had a fringe of snakes. When Perseus killed the gorgon Medusa, whose face turned men to stone, he gave the gorgon head to Athena, and the goddess placed it on her aegis.When Hercules went mad and killed his children, Athena stopped the disaster from getting worse. Just as the insane hero turned to kill Amphitryon, Athena threw a stone at Hercules, knocking him unconscious, so his mortal father was spared. Athena also helped Hercules at many points during his Labors. She provided him with the krotala he used to scare the Stymphalian Birds , and she carried the apples back to the garden of the Hesperides. Eventhough Athena was loved by many and helped when she could, she had a enemy, the god of war, Ares. Ares is the son of Zeus and Hera. He is most often confuse ...

Seasonal and Unseasonable

Seasonal and Unseasonable Seasonal and Unseasonable Seasonal and Unseasonable By Maeve Maddox With all the storms, flooding, and unusually low temperatures in the news, Ive been noticing a proliferation of the word unseasonal. Unseasonal rain may continue Southerners lamenting the loss of summer need to brace for more unsettled and unseasonal weather in the coming days Unseasonal weather and flower production will there be a shortage? Unseasonal spring storms are hitting the South In each of these examples, the weather being described is seen as not being usual for the time of year. The appropriate word in this context is the negative of seasonable, which is unseasonable. seasonable: Occurring at the right season, opportune. Of weather, etc.: Suitable to the time of year. The word seasonal differs in meaning from seasonable. seasonal: Pertaining to or characteristic of the seasons of the year, or some one of them. Things that change with the season are seasonal. One speaks of seasonal occupations, seasonal employment, and seasonal products. Strictly speaking, seasonal does not have a negative form. This unusually cold, wet weather were experiencing in the South this May is unseasonable. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Misused Words category, check our popular posts, or choose a related post below:4 Types of Gerunds and Gerund PhrasesOne Fell Swoop

Case 15.1 Study Example | Topics and Well Written Essays - 500 words

15.1 - Case Study Example n their locality and apart from a place to work out it also lets them socialize with local community people, saves time and cost of traveling because if the gym is located far and customers need to drive long to reach the place, they lose motivation for fitness fast. Also that they can use their membership in any of the Snap Fitness centers makes it more convenient for them to work out wherever they are be it office or home or any other place and do not have to skip working out because of location. In today’s stressful society convenience is given utmost priority by customers in choosing a service or product. However I do not think this is the only advantage Snap Fitness is offering its members, its affordable membership and no contracts only monthly membership fees and easy manage franchises also add to its appeal to both members as well as franchisees and give a competitive edge over its rivals. For Snap Fitness the most appropriate Franchise system would be the Business Format Franchise, because it is a service they are selling and Snap Fitness has a unique business model for both its franchisees and its members. In this format Snap Fitness needs to provide Franchisee with its unique business formula, training, advertising, equipment and other assistance. It can use an area franchise agreement that allows the franchisee in a geographical area to own and operate a given number of franchises that is Snap Fitness centers (Barringer and Ireland, 516). In its franchisees, the characteristics Snap Fitness is looking for are that Franchisees are able to deliver its members its unique business model, must be able to handle billing and collecting processes, Franchisees should be able to maintain the company’s lean business model and have financial net worth of $250, 000 and $500,000 in Liquid assets and that Franchisees are able to deliver on the â€Å"must haves† list prepared by Pete Taunton. As the business requires normal working hours and can be managed

Stress in Air Traffic Controllers Research Paper

Stress in Air Traffic Controllers - Research Paper Example In an increasingly competitive global environment, where the scramble for resources and the search for tangible opportunities seem to have overtaken any other global undertaking, the importance of commercial aviation cannot be overemphasized. Commercial aviation plays a very central role in the overall growth of any economy across the world. It is therefore imperative to look into the key issues that govern the aviation industry to ensure its success and proper functionalism. The concept of aviation security comes in as one of the most pressing issues in this regard. The commercial aviation industry continues to face a number of challenges with respect to safety and security of the passengers it transports. While it can be argued that much progress has since been realized in addressing and instituting safety measures, it is worth noting that safety is so important that any effort could never be enough (Sweet 2009). One of the most pressing issues that affect commercial airline operators is the high-stress levels evidenced in air traffic controllers (Dekker 2007). Indeed, this job requires high levels of expertise, knowledge, and practical application of this experience. As such, the air traffic controllers are normally expected to demonstrate high amounts of alertness considering that their duties are very core toward air safety. They are required to display a mixture of interpersonal skills together with human cognitive aspects in a way that blends well to give high-performance levels. Stress is indeed a very negative phenomenon that must always be addressed as a safety measure in the aviation industry. In ATC, stress is normally a very great playing factor that limits proper functionality and performance.  

Cross Cultural Perspectives Essay Example for Free

Cross Cultural Perspectives Essay Introduction: The world is an ever changing place. What is taboo today may become a norm tomorrow. There are vast numbers of countries with various languages, religions and their cultural ethnicity. India has been referred to as a country which is a living example of unity in diversity. In today’s age of capitalism and free trade, borders are soon getting irrelevant and people are migrating, more than ever before, to achieve their personal and organisational goals. It becomes all the more important to understand cross cultural dynamics and its implications on international businesses looking to expand in new markets. Why understand Culture? Today we see companies looking towards new markets and industries to expand their businesses. Growth in the west is almost at its saturation peak and developed industries are looking to foray into Asian markets to promote their growth and take advantage of developing economies. There are a lot of constraints in entering new markets, businesses have to understand regional aspects and the environment which govern these markets. There are various aspects of the environment which are Political, Legal, Economic and Cultural. Economic, Legal and Political environment differ in different regions and are sometimes governed by their local culture. Culture in many ways influences and has a major role to define these policies. When businesses are entering new markets they can study economic limitations, political and legal environment. But â€Å"Culture is a man made part of the environment†(Herskovits, 1948, p.17). Geert Hofstede in 1980 explained that Culture consists of shared mental programs that control individual’s response to their environment. It has been very easy to understand culture in terms of Hofstede’s dimensions and compare countries based on these studies. These are Power distance, Uncertainty avoidance, Individualism-Collectivism, Femininity and Masculinity. I once came across an advertisement from HSBC, where in a polish company selling washing machines wanted to know why their sales are highest in a part of India. When their representative visits the vendor he realises that the machine is used to prepare a delicacy rather than washing clothes. The punch line of the advert was â€Å"if you’re going to do business internationally you should be  with a bank that knows about International business† During the 3rd session of Cross-Cultural Perspective we came across a task of negotiation. My key learning’s during this task were that communication style and sharing of information was vital in successful negotiation beneficial for all. We started aggressively trying to force our opinion and make the other party aware about our concern and make them sensitive to our objective. But we soon realised that the key to a successful negotiation was dealing with the other party with co-operation and being sensitive to their needs. This realisation made us reach an amicable solution towards solving the â€Å"ugly orange case†. Hence we learned that a good negotiator should possess good negotiating skills, communication, multiple solutions and also should understand the emphasis of BATNA (best alternative to a negotiated agreement). We also learned about Leaders and their qualities. There is an argument by some that leaders are born, others believe that leaders can be made. I am of the view that leaders are not born but made. I do have certain leanings in terms of charismatic leaders and their family tree, e.g. Indira Gandhi, Rajiv Gandhi and Sonia Gandhi, but to larger extent leaders can be made and groomed provided they have the necessary qualities and attributes to lead and motivate people. During my work assignment I spent a considerable amount of time in United States of America. I was spearheading a transition project which involved training, coaching and transitioning work from United States to India. My colleagues from America were straight forward and direct in their communication. The instructions and information provided by them was straight to the point and often construed by me as rude. I had a confrontation with my co-worker where I asked him to put in some extra hour of work. He was quite direct i n refusing and also went ahead in telling me that this is not the way Americans work. I was influenced by the work culture in India and assumed that it is alright to ask a colleague to stay back a couple of hours after work. In the US, there was a lot of emphasis on work-life balance. Conclusion: Now after getting acquainted with cross-culture perspectives and various theories I have better understanding between the cultural differences of  America and India. I think that using the dimensions provided by Hofstede and theories based on these dimensions we can analyse and understand culture and their dynamics. These will be helpful to organisations entering new markets and regions.

The Atom :: Atoms Molecules Elements Science Essays

The Atom An atom is the smallest unit of matter that is recognizable as a chemical ELEMENT. Atoms of different elements may also combine into systems called MOLECULES, which are the smallest units of chemical COMPOUNDS. In all these ordinary processes, atoms may be considered as the ancient Greeks imagined them to be: the ultimate building blocks of matter. When stronger forces are applied to atoms, however, the atoms may break up into smaller parts. Thus atoms are actually composites and not units, and have a complex inner structure of their own. By studying the processes in which atoms break up, scientists in the 20th century have come to understand many details of the inner structure of atoms. The size of a typical atom is only about 10 (-10th) meters. A cubic centimeter of solid matter contains something like 10 (24th) atoms. Atoms cannot be seen using optical microscopes, because they are much smaller than the wavelengths of visible light. By using more advanced imaging techniques such as electron microscopes, scanning tunneling microscopes, and atomic force microscopes, however, scientists have been able to produce images in which the sites of individual atoms can be identified. EARLY ATOMIC THEORIES The first recorded speculations that MATTER consisted of atoms are found in the works of the Greek philosophers LEUCIPPUS and DEMOCRITUS. The essence of their views is that all phenomena are to be understood in terms of the motions, through empty space, of a large number of tiny and indivisible bodies. (The name "atom" comes from the Greek words atomos, for "indivisible.") According to Democritus, these bodies differ from one another in shape and size, and the observed variety of substances derives from these differences in the atoms composing them. Greek atomic theory was not an attempt to account for specific details of physical phenomena. It was instead a philosophical response to the question of how change can occur in nature. Little effort was made to make atomic theory quantitative--that is, to develop it as a scientific hypothesis for the study of matter. Greek atomism, however, did introduce the valuable concept that the nature of everyday things was to be understood in terms of an invisible substructure of objects with unfamiliar properties. Democritus stated this especially clearly in one of the few sayings of his that has been preserved: "Color exists by convention, sweet by convention, bitter by convention, in reality nothing exists but atoms and the void." Although adopted and extended by such later ancient thinkers as EPICURUS and LUCRETIUS, Greek atomic theory had strong competition from other views of the nature of matter. One such view was the four-element theory of EMPEDOCLES. These alternative views, championed by ARISTOTLE among others, were also motivated more by a desire to answer philosophical questions than by a wish to

Learning Strategies Essay

In the poem â€Å"Students† by Tom Wayman, it reviews four theories with context on different learning methods. The first theory is the Vaccination Theory of Education†, detailing how once you have learned a subject, you never have to review or touch on the topic again for it is lodged in ones brain for all eternity. However, such a learning technique seems foolish because as time goes on, materials tend to fade in ones brain unless occasionally reviewed. With this in mind, material previously learned would venture from one’s memory and would leave them lacking of knowledge on the subject. For the best learning, many people including myself would prefer the knowledge once learned to be forever held by the beholder, to use in future situations. The next theory is â€Å"The Dipstick Theory of Education. † This theory relates learning to that of a car engine; only needing oil to a certain line, therefore only needing to learn to a certain degree. This again seems unrealistic to the many dreamers out there, who are constantly trying to extend the limits, the ones who do not want to be blocked by barricades. Countless material is available for the public’s access, which means the learning a person can achieve is limitless. This theory seems adequate for those individuals who only want to get by in life. However, the majority of the population who want to succeed and be proud of their success are going to want to stray away from this theory, for it will only prevent you from following the path you truly want to go down. The â€Å"Adopt the Kung Fu Theory of Education†, is the theory that follows next in the poem. It reviews the idea that one can use knowledge as a self defense mechanism. This theory makes complete sense to me. How else would a person be able to back up their statements, ideas and opinions better, than with knowledge? Not only does the knowledge help in that area, it can help a person grasp a better understanding of the world around them, as well as it can improve their common sense. Use knowledge as a supporter, to smooth the bumps in the road before you, so you can travel on a trouble free path. The last theory is â€Å"The Easy Listening Theory of Learning. † It proposes that if a person sits back and observes their environment, they can achieve optimal learning. This type of learning seems only achievable for those who learn best through visual or auditory aids; in settings where they learn most efficiently by viewing or hearing material. However, for those individuals who learn best through hands on tasks, â€Å"The Easy Listening Theory of Learning†, would not be in their favor. It would put them at a disadvantage, and make them fall behind the rest. This theory does not accommodate everyone with learning in the same fashion; therefore, it cannot be used as a universal learning technique for optimal learning in everyone. My own theory however, differs greatly from any of the learning theories displayed in the poem â€Å"Students. † My theory to insure my learning exceeds my own goals is I put in a maximum effort. The goals I set myself are extremely high and almost seem unrealistic. Nonetheless, this is what give me the motivation and strive I need to put in a great deal of effort. Postponing undesirable activities is what I seem to be a natural at, cramming to get them completed when time is limited. It is in that rushed state that I feel my mind works most efficiently. However, we all know this is a poor work method and that is why I set such high goals to make it seem unrealistic. By doing that, I insure I start the activity at a sooner time because it feels as if I have more to complete than actually necessary. That way, I can keep my eye on the target at all times because it makes me feel as if I have much work to do to achieve it still. In reference to this course, the date I began was much later than any applicants should have started. By doing that, it has given me very limited time to get this course completed. It is now that I can truly test out my theory for all that it is worth, because it is now that I feel the completed course expectations are very unrealistic based on the vast material I have to cover by a certain date. However, I plan to be vigilant to get through this course so I can walk the graduation stage at the end of the year. When that dream of mine comes true based on my goals of completing this course, it is then that my theory has once again proved me right in its successfulness.

Roosevelt – The Great Depression

Franklin Delano Roosevelt, a Democrat, came from a wealthy New York family and was educated at Harvard University. He entered politics in 1910 and elected Governor of New York State in 1928 after surviving a bout of polio. The Democrats choose Roosevelt as their candidate to oppose Hoover in the 1932 Presidential Election. During the campaign he said, â€Å"I pledge you, I pledge myself, to a New Deal for the American people†. He promised to use government money and power to rebuild the economy. Roosevelt won with a landslide victory. One of the main reasons for this was that the previous President, Hoover, had not controlled, or attempts to help the economic downfall of the United States. Hoover thought matters would right themselves and therefore took little action. In 1932 Hoover did eventually find some money to help a number of struggling banks and businesses, but he refused to set up federal relief programmes to aid the unemployed. As the Depression dragged on, a protest movement developed among the hungry and the unemployed. Many Americans had lost confidence in President Hoover and were looking for new leadership that arrived in the form of Roosevelt. Once elected, Roosevelt had many problems facing him and his party that the American people expected him to solve. * Most of the populace was unemployed. Over 12 million Americans did not have a job, and this figure was increasing by 12,000 every day. Families relied on charity to stay alive and breadlines were common in every city. * Over 1 million people were homeless. In 1932, 250,000 Americans stopped paying their mortgages and were evicted from their homes. Because of this, many became ‘hobos' or tramps while others moved to waste ground to build huts from scraps of wood and metal, these unhealthy camps were known as ‘Hoovervilles' after Herbert Hoover. * Total economic collapse followed – With so many people out of work the cities could not afford to buy all the food the farmers produced; and by 1932 – 1 in 2 farm owners had been evicted. * Many veterans living in poverty demanded bonuses immediately. Their annoyance at not receiving their money came to a head when, during summer 1932, veterans from all over the country went to Washington capital to protest. Many hijacked trains to get there and fought with police who tried to stop them. In June of the same year, more than 20,000 veterans had arrived in Washington and set up a Hooverville opposite the White House. Congress voted against paying the veterans their bonuses and Hoover ordered the army to evict the veterans from their Hooverville. The army thought it was necessary to bring in 4 companies of infantry, 4 troops of cavalry, a machine gun squadron and 6 tanks to disperse the veterans. In the ensuing chaos 2 veterans died and 1000 were injured. * Bank failures were another large problem. During the depression, many people with savings in the bank took the money out to stay alive. This led to new problems; small banks did not have enough money to pay their savers and went bankrupt. After a bank failed, savers with deposits in other banks rushed to take out their savings from other banks, leading to more banks going bankrupt- A total of 1616 banks in 1932. * Many people affected by the depression organised protests in hope to improve conditions. In Iowa, the farmers union organised strikes to stop food reaching markets. This aimed to create food shortage and increase food prices. Roosevelt took a tough stance towards these areas of difficulty, and in his inauguration speech he stated that â€Å"the only thing we have to fear is fear itself†. To affect change in America, Roosevelt need more power than he already had. In 1917 congress had allowed President Wilson to change laws without asking and this ‘trading with the enemy† act was still effective when Roosevelt came into power. Roosevelt realised he could use this act to speed the healing process for America's economy. Roosevelt proposed, and Congress passed, a series of measures designed to provide relief for the unemployed and promote economic recovery. Roosevelt also hoped that the New Deal would help America's problems by bringing about a number of long-term reforms. Two days after his inauguration on the 6th of March, Roosevelt ordered all banks to close for a long bank holiday while he and a cabinet worked out a way to solve the problem. Most Americans were glad to see Roosevelt dealing with the problem although some though he was becoming a dictator and leading America down the road to socialism. By 1933, the number of people unemployed was about 13 million. To get America moving again, these people had to have work and be earning money, allowing them buy products from others. Roosevelt decided that a program of temporary jobs should be put in place, as well as food distribution to the hungry and low-interest loans given to home-owners. Roosevelt's most famous actions against the depression were the Alphabet Agencies; so called because all were condensed into a set of initials for ease of use. * The Civilian Conservation Corps (C.C.C.) was set up in 1933 and was a popular Roosevelt idea. Unemployed young men were given six-month jobs in the countryside working on projects concerned with forestry, flood control and soil conservation. By doing this, they received a small wage, food, clothing, and shelter. By the end of the 1930's, two and a half million men had been in the C.C.C. * Another popular program of reform for that year was the Agricultural Adjustment Act (A.A.A.). It was designed to help farmers who were suffering from low incomes, with many being forced off their land. The government paid the farmers to grow less, which forced prices of food up. Crop prices gradually recovered, and within four years the average farm income had almost doubled. * One of the most important New Deal measures was the National Industrial Recovery Act (N.I.R.A.). This comprised of two sections; the first being the Public Works Administration (P.W.A.), which organised and provided money for the building of useful projects: schools, hospitals, roads, bridges etc. The Works Progress Administration (W.P.A.) was another successful New Deal agency that funded a number of projects to create employment, although these were on a smaller scale than the P.W.A. The other section on the N.I.R.A was the National Recovery Administration (N.R.A.) which recommended an eight-hour day, together with a minimum wage, to help create jobs. Employers who accepted these recommendations were allowed to display a ‘Blue Eagle' sign on their goods. Over 2 million people embraced the new standards and benefited because of it; the public was encouraged to buy only from businesses that had joined the scheme. * Roosevelt's many plans were new, and his kinds of tactics for dealing with depression was regarded as blunt by many people. His other plans however were over-shadowed when he decided to set up the Tennessee Valley Authority (T.V.A.) in order to help a poor, badly eroded region which was also prone to flooding. The T.V.A built a network of dams to control the floods and give the area a supply of cheap electricity. This attracted industry and gradually the whole region began to prosper. * Finally, in 1935, the Social Security Act provided pensions for the elderly and benefits for the unemployed, as well as providing help for dependant mothers and children and the handicapped. Roosevelt brought about partial recovery to the United States with the New Deal and ‘Pump priming' strategy. It was not until the Second World War and the demand for American goods however, that the American economy returned to its former prosperity.

Dawn of the Dead essays

Dawn of the Dead essays Survival instinct is something every human being should have some sort of grasp on. Without this certain instinct, it would be very hard to survive any type of dilemma, especially one such as zombies coming from every place you look trying to get a taste of human blood. If the dilemma does not involve zombies, I do not think you have to worry about having survival instincts. As this film develops, only the elite humans with the skills to survive actually survive, but barely. Even though many people may know what to do at certain times, especially when chaos breaks out in the world, some of the elite class even get taken down by the flesh eating zombies. Some humans are natural born leaders while others rather follow in someone elses footsteps. Although this may be true, when all is said and done, every single person on the face of the earth has a natural state of mind that would want to do everything their own way. They want to do it their way because they have the best plan t o survive and nobody else plan is even near as good. The only way to overcome the odds of dying is to work together using teamwork, cooperation, and precise planning. In the beginning of the movie, Ana (Sarah Polley) plays a nurse who is in panic mode after her husband has died and come back to life as a flesh eating zombie. All she can do is think about getting out of the house and getting to safe mode. As shown by Ana, when panicked, you do not have anything on your mind other then what you think is the best way to escape the situation and survive. For her, she took her instincts and got into the car and would not stop for anything or anyone. On the other hand, Kenneth (Ving Rhames) plays a police officer who is trying to survive from the zombies as well. Instead of using the same tactics as Ana, he chooses the more violent way and thinks the best way to survive is to have a gun at all times blowing the heads off of every zombie that walks...

How to Get a Student Loan Step-by-Step Guide

How to Get a Student Loan Step-by-Step Guide SAT / ACT Prep Online Guides and Tips For many students, loans are vital to being able to afford an education. The cost of a college education in the US is cost-prohibitive for many families, and loans help to close the gap between what school costs and what families can actually afford. As of last year, over 40 million Americans are working to pay off student debt. Learning how to get student loans sounds daunting and burdensome, but if you’re smart about how and where you get your loans, taking on debt can be a manageable option. Here, I’ll walk you through all the steps to getting student loans, including calculating your own need, finding loans, applying for loans, and managing repayment. First, though, I'll talk a little bit about how student loans work. How Loans Work This explanation is a bit simplified, but you should come away with a good general idea of how loans function. If you know how loans work, you'll be better able to find and apply for loans that are good fits for your needs. By definition, a loan is a sum of money that you (the borrower) is given by a person or entity (the lender) with the expectation that you'll pay it back with extra charges tacked on (the interest). When you repay student loans, you'll usually make monthly payments on the sum you borrowed (the principle) plus interest that has built up, or accrued. The bigger the principle, the higher the interest rate, and the longer you take to pay off your loan = more money that you have to pay back in interest. Details like length of repayment and interest rates will vary widely among loan options. Some loans come with extra perks (like the Direct Subsidized loan). There isn't anything particularly complicated about most loans, but some of the financial jargon can be confusing if you're new to it. If you're clear on the basics of how loans work, you can move on to the next step of getting a loan: calculating how much you need. How Much Do You Need? Before you actually apply for loans, you should have a general idea of how much funding you'll need. Follow these steps to get an estimate of how much loan money you should get to pay for college. Step 1: Determine How Much Your School Will Cost The total amount of money it costs to attend a particular school for one year is called its Cost of Attendance, or CoA. The CoA is an average (so your own unique cost might be more or less), and includes expenses like tuition, room, board, books, fees, transportation, and personal expenditures. You can check out a particular school’s CoA by Googlingâ€Å"[school name] cost of attendance.† You can get more info about college expenses and costs here. Step 2: Use Your Family's Financial Information to Determine What You Can Afford to Pay If there's a gap between your school's CoA and what your family can afford to pay,don’t panic! Not every school will be an affordable option for all students, federal and institutional grants and scholarships can really help fill that gap, especially for low income students. If a gap remains after grants and scholarships, you can then consider whether student loans are a good option for you. One way to "officially" calculate how much your family can afford is by using the FAFSA4caster. A major source of student aid is the federal government, and an important number that they use to calculate aid eligibility is called the Expected Family Contribution, or EFC. By using the FAFSA4caster, you can estimate your EFC, which schools will also use to award aid.You can get step-by-step instructions for calculating your EFC here. After you’ve completed the FAFSA4caster estimate, you’ll have an idea of your EFC. Additionally, you’ll know if you’re eligible for any federal grants, which will fill the gap between what you can afford and what your school costs. Finally, when you finish your estimate, you’ll know if you’re eligible for any Direct Subsidized or Direct Unsubsidized federal loans. Once you're informed about much money you may need to take out in loans, you can start searching for loans that are good fits for you and your family. Where to Get Student Loans There are so many options when it comes to student loan lenders. It would be impossible to provide an exhaustive list, but I'll outline a few great places to start. There are two main types of student loans - federal and private - and I'll discuss both. Student loan lenders are everywhere - the following tips will help you start finding your own student loans. Federal Loans Federal loans are loans backed by the federal government. Many federal loan programs are meant to assist low-income students and their families, although some don't require you to demonstrate any financial eligibility requirements to be considered eligible. Interest rates are generally competitive, and don't vary based on your or your parents' credit history. To get any federal aid, including loans, you need to meet basic federal eligibility requirements. Certain loans, like the Perkins and the Direct Subsidized, have other requirements as well. You can read more about basic federal eligibility requirements here. If you’re eligible for federal loans, they’ll be included in schools’ financial aid packages, along with any grants and scholarships. You get to decide what parts of the financial aid package you accept, and what parts you’ll reject;you don’t have to take on any loans if you have other ways of paying for school (e.g. an outside scholarship). Other federal loans worth checking out include Direct Unsubsidized, Stafford, and PLUS loans. Private Loans Quite a few banks offer private student loans, many of which require a cosigner (e.g. an adult with a solid credit history who signs the loan with you). If your parents are clients of a particular bank, you might start by looking for student loans at that institution. Make sure to shop around, though; check with other lenders to see if they offer you better terms, including lower interest rates. If your parents havea financial adviser, it would be ideal if you could check with him or herabout good student loan terms based on your family’s financial situation. How to Apply for Student Loans The loan application process and timeline will vary depending on what type of loans you plan on taking out. I'll talk generally about how to apply for both federal and private loans, although you should confirm the details with your lender, especially if you're taking out private loans; each lending institution will have its own protocols. Applying for Federal Student Loans You can apply for all federal financial aid, including student loans, by submitting one application: the Free Application for Federal Student Aid, or FAFSA. You submit the FAFSA every year that you'd like to be considered for aid. The federal FAFSA deadline for the 2015-2016 academic year is June 30, 2016. Generally, it's wise to submit your FAFSA much earlier than the federal deadline so that you don't miss out on opportunities for funding that tends to run out (the Perkins loan, for example, usually has limited funds available). Students usually submit their FAFSAs in the early spring; you can even submit your application as early as January 1 for the upcoming academic year. To optimize your federal aid eligibility, you'll want to submit your FAFSA even before you hear back from schools if you're a first-year student - say, early spring. You'll then receive notice from schools regarding your acceptance. Schools will put together financial aid packages based on information generated from your FASFA. At that point, you would decide what parts of the financial aid package you would accept, and what parts you would reject. Applying for Private Student Loans Unlike for federal loans, there's no singular application for private student loans. You would have to submit a separate application at each institution (usually a bank) that offers a student loan you're interested in. Many private loans require a cosigner - someone who has more established credit (e.g. a parent) who signs the loan with you. This person is like your lender’s loan insurance - students typically have little to no income or credit history, so if you don’t make payments, this cosigner is held responsible. The better your credit history or your cosigner’s credit history, the better the loans that are available to you. If the financial aid package provided by your school doesn't offer enough in grants, scholarships, or federal loans, you would then consider applying to private loans. How to Get Your Loan Money Once you’ve found a loan that’s a good fit for you, you’ll sign a promissory note. This is a written promise that you’ll pay back the money you owe by a specific date (e.g. 10 years after your loan grace period ends). Federal loans will probably be disbursed, or paid out, to your school directly. The money will be applied to any charges on your school account. If there’s any left over, your school will provide it to you in the form of a refund. If you don't need that refund money, it’s smart to just use the refund to make a payment on the loan Private student loans are also often disbursed directly to your school. Same as with federal loans, you’ll be awarded a refund if there’s any money left over. Caveats: What to Look Out For Before you go ahead and sign that promissory note, there are a few things you should consider. Student debt can very very rarely be discharged in bankruptcy, unlike many other types of debt. If you take on student loans, you’re stuck with them forever. If someone cosigns on your student loans with you, they’re stuck with the debt if you can’t afford to make your minimum monthly payments. Basically, don't take out more in loans than you're comfortable with, if you can help it. Anticipate your realistic career trajectory and earning potential for the 10 years or so after you graduate - this will help you decide whether the debt is manageable. For special types of loans, like the Perkins, consider that you may be able to arrange for loan cancellation. When it comes to student debt, it's important that you don't bite off more than you can chew. If you find that you're uncomfortable with the amount of debt that you would need to take on in order to attend a particular school, there are a few things you can do. Try researching scholarship opportunities, and bring your concerns to the school's financial aid office. If you're still uncomfortable with the loan amounts, consider whether it would be a better financial decision to attend a less expensive school. How to Pay Off Your Loans So you've taken out student loans - you won't have to worry about paying that money back until after you've graduated, right? Although that's technically true, there are steps you can take while you're still in school to reduce your total loan payment amount. If you can, make payments during school/grace/deferment, especially if interest is accruing. You’ll save money in the long run. The following charts demonstrates the long-term financial outcomes of two hypothetical students - they've taken out the exact same loan, but one student makes payments on her interest while in school whereas the other doesn't. Their interest capitalizes, or is added to their principle, at graduation. Take a look: Student A Student B Principle $5,000 $5,000 Interest Rate 10% 10% Interest accrued during 4 years of school $2,000 $2,000 Interest paid during 4 years of school $2,000 $0 Balance due at graduation $5,000 $7,000 Monthly payment (for a standard 10-year repayment plan) $66.08 $92.51 Total amount paid $9,930 $,100 By paying off her interest while she was still in school, Student A saves almost $1,200 in the long run. You won't be obligated to make any payments as a student, but it doesn'thurt to throw some money at your loans every now and again if you have some to spare. Another strategy to make the repayment process a bit easier is to set up automatic payments to avoid late fees. If you're consistently making at least your minimum payments on time every month, you'll also give your credit score a boost. Speaking of payments: if you have multiple loans with different interest rates, make larger payments on your high-interest loans to pay them off first. As you might have deduced from taking a look at the chart above, the faster you kill interest, the more money you'll save in the long run. You won't always be expected to make monthly payments on your loans, however. If you go back to school and won’t have an income, you can often get your loan deferred. If you lose your job, or aren't able to make payments for some other reason, you can look into other repayment plan options, like income-based or graduated repayment plans. Above all, keep your loan servicer in the loop; they'd rather reduce interest or monthly payments than not get their money back at all, so it's in their best interest to work with you if you're struggling. What's Next? Want to get a head start on those loan interest payments? You might want to think about getting a job before you leave for college - read our guide on the best jobs for teens.If you're already in college, you should check out the federal work study program for job opportunities. If you're still knee-deep in student loan research, read our guides on the Direct Subsidized, Direct Unsubsidized, and Perkins loan programs. 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An Attack against the Iraqi Essay Example | Topics and Well Written Essays - 500 words

An Attack against the Iraqi - Essay Example He possesses the weapons of mass murder. He agrees -- he agreed to disarm Iraq of these weapons as a condition for ending the Gulf War over a decade ago. The United Nations Security Council, in Resolution 1441, has declared Iraq in material breach of its longstanding obligations, demanding once again Iraq's full and immediate disarmament, and promised serious consequences if the regime refused to comply. That resolution was passed unanimously and its logic is inescapable; the Iraqi regime will disarm itself, or the Iraqi regime will be disarmed by force. And the regime has not disarmed itself. Following these assertions, the Iraq war falls between the difficult and easier to justify preemptive strike categories. President Bush cites instances when Iraq refused to comply with disarmament as determined by the UN Security Council. However, he does not give concrete evidence that such weapons have been discovered in Iraq. In hindsight, weapons of mass destruction were not uncovered on Iraqi soil, therefore nullifying the Bush Administration’s claims to a legitimate preemptive strike. The preemptive strike of 1967 completed by Israel falls into the easier to justify category. According to BBC.com, in 1965 Palestinian groups had begun a series of attacks that were backed by Egypt and Syria. In the following years, a buildup of Arab troops began to surround Israel. The build-up of troops and attacks two years earlier on the border demonstrate an intention for further military action against Israel. Troop movement and hostile rhetoric from the Egyptian President Abdel Nasser also fueled the perceived need for a preemptive strike by Israel. Moral issues also played a role in this strike. Jews were consistently persecuted in the region and this strike demonstrated their unwillingness to be taunted by their neighbors.