Thursday, May 28, 2020

Tips for Paying Off Student Loans

Tips for Paying Off Student Loans Know Your Loan If you want to pay off your loan, you need a few pieces of information to get started. These include: The amount you owe Who your loan is with The interest rate on the loan Related Articles Direct Student Government Loans Direct Student Government Loans How to Get a Student Loan Deferment How to Get a Student Loan Deferment Paying Off Debt Vs. Saving Money Paying Off Debt Vs. Saving Money Find out this information for every loan you hold. It's possible that what you think is one student loan is actually held by different lenders. Sometimes lenders can also sell your student loans to other lenders, so you'll want to stay on top of who currently holds your loan. Typically the lender will send you a letter to notify you of the change. Understand the Terms Learning about your loan also involves understanding the terms of your loan. You'll need to know: When you have to start paying back the loan How long you have to pay back the loan Your interest rate and whether it's fixed or variable Most student loans require students to start repayment six months after graduation, and generally, students have 10 years to repay the loan. However, this may not be the case if you have a private loan. Sometimes you'll have the option to pay back your loan over a longer period, leading to lower monthly payments, but holding the loan over your head even longer. Consolidating Your Loans Consolidating your student loans allows you to combine two or more loans into one payment. It may also give you the chance to lower your interest rate, which can be particularly helpful if you have a loan with a variable interest rate, or one that can increase over time. If you decide to consolidate your loans, you'll also get a chance to look at different repayment plans, including income-based repayment plans and graduated repayment plans where the monthly payment increases over time. Deferment or Forbearance Putting off paying your loan with a deferment or forbearance may not seem like an ideal way to start paying it off, but it could buy you some time to get your affairs in order. A deferment allows you to temporarily stop making payments due to factors such as the inability to find full-time work or in case of another financial hardship. Forbearance also allows you to stop making payments or reduces the amount of your payments for a year due to financial hardship, illness, or if your student loan payment equals more than 20 percent of your gross income. In most cases your lender must decide whether to grant you a deferment or forbearance.

Saturday, May 16, 2020

Industrial Air And Water Pollution - 2248 Words

Jiaying Jiang ESRM 100 July 17, 2015 Industrial air and water pollution in China In an ideal environment, air is odorless and colorless, when we breathe, we feel fresh and energy. Water should be clear and tasteless, we can see fish swimming happily in the water and can we directly drink from it without any concern. However, in recent years in China, people are no longer living in an ideal environment, air gets hazy and water gets muddy. Billions of dust and particles floating in the air and wish us to take them inside our lungs. Fish in the river start malformation, as the result of toxic water. With the development of modern society, increasing amount of population, more and more resources are required, industries produce more products for us to use and the wastes industries generate becomes a major concern to human being and greatly affect the environment. Industry pollution means the pollution to environment from waste gas, waste water, and solid waste during productive process, which include industrial caused water pollution, air pollution and many other kinds of pollution such as noise, heavy metal. China is an industrial country, and industrial output have a closely linked relationship to economy. These years, Chinese economy increase rapidly, so is industrial related pollution problems. In some major urban cities, people seldom can see blue sky, sky’s color on children’s painting is no longer blue, it becomes grey. And I will be focusing on the water and airShow MoreRelatedIndustrial Air And Water Pollution3492 Words   |  14 PagesIndustrial air and w ater pollution in China In an ideal environment, air is odorless and colorless, when we breathe, we feel fresh and energy. Water should be clear and tasteless, we can see fish swimming happily in the water and can we directly drink from it without any concern. However, in recent years in China, people are no longer living in an ideal environment, air gets hazy and water gets muddy. Billions of dust and particles floating in the air and wish us to take them inside our lungs. FishRead MorePollution and Various Micro Organisms1028 Words   |  5 Pagesmainly following types of pollutions: 1. Air Pollution 2. Water Pollution 3. Chemical Pollution 4. Land Ozone-sphere Pollution 5. Land and Soil Pollution 6. Food Contaminants 7. Noise Pollution 8. Modern Pollutions 1. Air Pollution: The major component of the biosphere is air with ­out which no life can survive (except some lower forms of Bacteria). Without air of good quality there cannot be a healthy life. Yet clean air is a rare commodity today. Air pollution is as old as industrialisationRead MoreIn America, Air Pollution Was An Insidious Problem That1486 Words   |  6 PagesAmerica, air pollution was an insidious problem that became so great that the government had to step in and create laws in order to regulate human activity involving pollutants. Humans generate air pollution through the combustion of fossil fuels and wood, driving a motorized vehicle, and industrial processes, such as the smelting of heavy metals. Most air pollution exists in urban areas where heavy industries prevail. The Industrial Revolution in the late twentieth century caused air pollution to greatlyRead MoreEssay about Pollution756 Words   |  4 Pagesnbsp;nbsp;nbsp;nbsp;nbsp;Pollution has become a major issue over the years. It has caused death, disease, and many health problems. It is a major concern of our world today and not much is bei ng done to prevent it. If not all, a lot of pollution is caused by humans. There are different types like industrial, agricultural, etc. Many people are realizing now the threat that pollution poses to humans. nbsp;nbsp;nbsp;nbsp;nbsp;There are three main types of pollution. They are land, air, and water pollution. LandRead MoreSilent Spring, By Rachel Carson1487 Words   |  6 Pagesnatural forms and habits of the plants and animals on the earth are shaped. â€Å"Said Rachel Carson, in her book silent spring, â€Å"In the environment of all invasion, air, soil, rivers and oceans are the most shocking pollution, and some of them even fatal pollution. Such pollution is largely irreversible. â€Å"The planet, which provides us food, water and shelters is being destroyed by human beings. If immediate action is not taken, we don’t know what the earth will be. We are not the last people to exist orRead MoreThe Effects Of Pollution On The Environment And Ecosystem968 Words   |  4 PagesPollution The air we breathe, the water we drink, the ground where we grow our food, is polluted with harmful things. Pollution is the introduction of harmful or poisonous effects of a substance into the environment. It disrupts the balance of people’s lifestyle when they are contaminate. Pollution balance in the environment and ecosystem. The environment is in the process of becoming unsafe or unsuitable to use. Pollution can come in many different form, such as air, water, soil can have pollutantRead MoreThe Study On Environemtal Pollution Essay1077 Words   |  5 PagesThe Study on ‘ Environemtal pollution has been accomplished with the useful efforts and contribution of the group members. Working on this term paper has been very beneficial for us as it is related to our course ‘Businees law. This term paper has given us a big boost to the development of our bookish knowledge with the help of practical knowledge and group discussions. We would like to thank our honorable faculty member Fahmida Hasan for giving us the opportunity to make this term paper. ThenRead MoreThe American Industrial City : The Issue Of Fresh Water, Water Pollution, And Smells1480 Words   |  6 PagesThe American Industrial City: The Issue of Fresh Water, Water Pollution, and Smells Throughout the mid-19th century, many cities across America were becoming industrialized and growing in size. As a city develops and grows, the city uses resources such as food, water, raw products, and energy. All these resources are consumed within a city. The outcome of all this consumption is the production of waste (Tarr 15). In the mid-19th century, a massive migration of Americans and wave of migrants fromRead MoreChina and the World Suffer from the Use of Nonrenewable Resources, 882 Words   |  4 Pagesresources, and development of industrial technology continues to grow, the more harmful air pollution gets. Air pollution is caused by all of these factors, and more. While fossil fuel sources continue to diminish, there is an increasing interest in the use of renewable technologies, such as the air, water, and sun. China is one of the many countries in the world suffering from air pollution due to household and industrial use of fossil fuels and a massive population. Air pol lution also has many negativeRead MoreHow Do Pollution Affect The Life?941 Words   |  4 PagesHow do pollution affect the life in earth? The global warming is a gradual increase in the overall temperature of the earth s atmosphere generally attributed to the greenhouse effect caused by increased levels of carbon dioxide, chlorofluorocarbons, and other pollutants. The main cause of pollution is the human being. The contamination caused damage not only in animals and plants but also in the same man. In their attempt to progress and have an easier and bearable life has invented and used products

Wednesday, May 6, 2020

Jane Eyre, By Charlotte Bronte Essay - 1279 Words

In Charlotte Brontà «Ã¢â‚¬â„¢s Jane Eyre, the relationships Jane has with the male characters demonstrates her coming of age from dependence to independence because Jane begins by rebelling against John and Mr. Brocklehurst, she leaves Mr. Rochester, and denies St. John’s proposal. Jane’s acts of rebellion against John Reed shows that she is tired of being dependent on him and his family. Also, by showing signs of rebellion to Mr. Brocklehurst when she first is interviewed to see if the school Lowood is the right place for her shows that she yearns for independence. Jane’s standing up to Mr. Rochester by leaving him shows that she is not dependent on him. Jane’s refusal of St. John’s proposal shows that she is an independent woman who can do things for herself. Considering the connection between the men in Jane’s life and her coming of age from dependence to independence, it is important to analyze her first show of instability with John Ree d and Mr. Brocklehurst. In Jane Eyre, Jane begins with rebelling against her cousin John Reed and Mr. Brocklehurst, showing that she is not mature enough to handle harassment and the idea of dependence and compliance. Jane is full of passion and since she has not had anyone to love her and teach her how to control herself she has become rebellious. In the quote â€Å"I don’t very well know what I did with my hands, but he called me ‘Rat! Rat!’ and bellowed aloud. Aid was near him: Eliza and Georgiana had run for Mrs. Reed, who was gone upstairs; sheShow MoreRelatedJane Eyre By Charlotte Bronte1601 Words   |  7 Pagesfeminist, one must see it through the lens of the time and place Brontà « wrote it. Charlotte Brontà «Ã¢â‚¬â„¢s Jane Eyre was a feminist work in that Bronte expressed disdain for oppressive gender structures through the voice of Jane Eyre, and the actions of Bertha Mason. Jane Eyre was a steamy novel for its time, with imagery as blatantly concealed as Jane’s description of Rochester’s hand as being â€Å"rounded, muscular; and vigorous†¦long, strong†¦Ã¢â‚¬  (Brontà « 312) A modern reader might blush at the description and itsRead MoreJane Eyre By Charlotte Bronte1437 Words   |  6 Pagestools that depict history. One great work of art that portrays these constant struggles is Jane Eyre by Charlotte Brontà «. While addressing social issues of a governess, Brontà « also tackles Victorian society’s corrupt and unjust ideals by using different settings and characters such as Mr. Rochester and Gateshead Manor. In Jane Eyre, the depiction of a rigid social class restricts the protagonist, Jane Eyre, from marrying her love, Mr. Rochester. Sadly, Jane’s relationship is also jeopardized by passionRead MoreJane Eyre By Charlotte Bronte1374 Words   |  6 PagesJane Eyre by Charlotte Bronte Within the specter of the Gothic fictions arises the atmosphere of gloom, terror, and mystery with some elements of uncanny challenging reality. One major characteristic function of the Gothic fictions is to open the fiction to the realm of the irrational and perverse narratives, obsessions, and nightmarish terrors that hide beneath the literally civilized mindset in order to demonstrate the presence of the uncanny existing in the world known rationally through experienceRead MoreJane Eyre by Charlotte Bronte781 Words   |  3 PagesThrough her trials and tribulations, Charlotte Bronte has kept her passion for poetry alive and remains as one of the most influential British poets of all times. Even though she is one of the most famous female writers of all times, she is mostly famous for her most popular novel Jane Eyre. Charlotte Bronte has experienced more tragedy in her life than happiness by losing her mother and all five of her siblings. But, in her moments of tragedy, she expre ssed her feelings through poetry. As a resultRead MoreJane Eyre, By Charlotte Bronte949 Words   |  4 PagesSurrounded by witnesses, Jane stands in front of the minister, poised to take her marital vows as the mystery of Thornfield unravels. Unbeknownst to her, Rochester’s actual wife, Bertha Mason, is within close proximity.The knowledge of Bertha, and the mystery, will pose as a test to Jane s morals and her character. Through Jane Eyre, a powerful Victorian-era novel, Charlotte Bronte portrays the role of women in Victorian society while masterfully solidifying Jane’s role as its polar opposite: anRead MoreJane Eyre By Charlotte Bronte1714 Words   |  7 Pages Jane Eyre by Charlotte Brà ¶nte voiced the radical opinions of Brà ¶nte on religion, gender, and social class. Jane Eyre, a young orphan who lived with her vituperative aunt and cousins, strayed away from the Victorian ideals of a woman and established a new status for herself. Jane Eyre was originally written in 1827 and was heavily influenced by the late gothic literature of the 19th century. Gothic literary aspects such as supernatural occurrences, mysteries and dark secrets, madness and dangerRead MoreJane Eyre, By Charlotte Bronte1620 Words   |  7 PagesIt is often said that it is the role of literature to challenge and confront the conventional values of a society. In the novel, Jane Eyre, by Charlotte Bronte the idea of challenging and confronting conventional values is stressed often. Perhaps it is in relation to the author herself, as seen in the autobiographical elements recognizable throughout the novel. Some of these autobiographical elements include the form of which the novel is written in, called Bildungsroman where the story is focusedRead MoreJane Eyre By Charlotte Bronte1203 Words   |  5 PagesThe nineteenth-century Jane Eyre by Charlotte Bronte is considered to be a gothic novel. Gothic literature took place mostly in England from 1790 to 1830, falling in to the category of Romantic literature. The Gothic takes its roots from previous horrifying writing that extends back to the Middle Ages and can still be found in writings today by many authors including Charlotte Bronte. The strong description of horror, abuse, and gruesomeness in Gothic novels reveals truths to readers through realisticRead MoreJane Eyre, By Charlotte Bronte929 Words   |  4 PagesIn Jane Eyre, by Charlotte Brontà « explores how Jane wants to find love--not just romantic love but to value and sense of belonging. The book challenges how the language of middle-class love affects the way a character’s self-identity can alter the action, how Jane sees herself later when she found love and sense of belonging as independent women. When Jane was a child she struggles to find her own identity Jane begins to change through her journey once she realizes her own identity and this helpsRead MoreJane Eyre By Charlotte Bronte1359 Words   |  6 PagesFollowing the ex periences of Jane Eyre, Charlotte Bronte, expresses many elements of gothic literature throughout her novel Jane Eyre. In her perfect understanding of gothic literature, she expresses the three types of evil commonly found in gothic literature, including the evil of the supernatural, the evil within or the instinctual evil motives of humans, and lastly, the evil because of societal influence. Jane Eyre experiences all of these three evils with her aunt and three cousins with her residency

Tuesday, May 5, 2020

Argumentative Essay

Question : 1.This Topic Discuss With Relevant Social Work and other Literature Reviews? Answer : Introduction Social works are mainly associated with poor and underdeveloped people and their families towards supporting them through difficult time and ensure that vulnerable people are safeguarded from harms (Tafvelin et al., 2014). This study will make argument on the concept that social work looks after the poor and administers financial assistance to the clients. The study will discuss the social work towards social development and analyze various social work theories. Moreover, the study will also demonstrate various social work issues and provide some suggestions for mitigating those issues. Social Work towards Social Development Social work is an academic and practice based discipline, which seeks to facilitate the welfare individual, groups, families and communities. Social works take initiatives towards promoting social changes and grassroots empowerment of people. According to Harris-Taylor et al., (2016), social work is a helping profession, which is aimed at assisting the individual, groups and community towards coping up with their complex socio economic psychological problems. Over the years, various social worker associations of NGOs in Singapore have become engaged in social development of their communities (Hsu et al., 2014). Roth et al., (2016) pointed out that social workers are mostly associated with providing assistance to the concrete needs of the poor people in the community. Moreover, they provide foods, shelters, clothing, health care and child care benefits. For instance, Mercy Relief of Singapore provides financial assistance, water, shelter, healthcare and education for community development. On the hand, Golia, (2015) opined that social worker often fails to assess the exact issues of the poor people towards their development. It can hinder the effectiveness of the social work towards developing the quality of life of poor people. According to Sonenshein, (2016), social works are also highly associated with caring for family members through understanding the conflicting family relationship. Furthermore, the social workers also fight against social isolation for the people, who are isolated from the society due their social status or stigma of HIV/AIDS. Furthermore, Jones and Felps, (2013) opined that social and welfare organizations also focus on providing privileges to the young educated people, who belong poor social classes. In this way, they develop their quality of life for the poor people through offering source of income and employment. For instance, Trans Family Service in Singapore provides variety of casework counseling, community work outreach, group work, happy health hour towards community development (Robinson Webber, 2013). Furthermore, social welfare organizations of Singapore also strive for the empowerment of the women within the community. Moreover, these organizations take initiatives towards providing bold livelihoods of the women. However, Alvarez et al., (2016) opined that most of social welfare organizations in Singapore are only limited within women empowerment and they are not looking forwards towards overall development of the community and poor people. According to Henttonen et al., (2014), non-profitable and social organizations also provide charity towards development of poor people. On the other hand, O'leary et al., (2013) opined that social work can also develop poor people through non-cash support. Social Work Theories for Effective Social Work Social work theory helps in understanding the task and purpose of the social work. Moreover, the theories also assist in indentifying the roles of social workers towards developing the society. According to BrintzenhofeSzoc, (2015), social learning theory encourages the social workers towards understanding the social issues through observing and imitating the behavior of the people. It can be most useful theory to be followed by the social workers. Rather than simply hearing the social issues, it is always better to observe the issues and learn about the problems. It can help in analyzing the issues for identifying the root causes of the issues. In this way, social workers become much more capable of providing suitable support towards solving social issues. On the other hand, Jones and Felps, (2013) opined that Socio-cultural theory is the best social work theory to be applied in social development. Socio-cultural theory stresses on the interaction between the developing people and t heir surrounding people. Moreover, this theory is based on the belief that culture has significant importance in developing the mental abilities of the people. Hence, this theory can help the social workers towards identifying the cultural issues behind the underdevelopment of the community people. Therefore, social workers can provide better facilities towards developing not only the individuals but also the society as a whole. According to Sonenshein, (2016), solution focused theory works best in providing supportive solution towards developing the quality of life of poor people. This theory focuses on identifying the present and future circumstances of the clients and setting goals as per those circumstances. Moreover, this theory particularly focuses on the problems and seeks solution to the particular problem, which can be used repetitively to the problem again and again as and when it arises. Social workers can use their theory for mitigating the family conflicts of poor people. On the other hand, Harris-Taylor et al., (2016) opined that empowerment theory is the most efficient theory towards helping the social workers for social development. This theory concentrates on the identifying the strength perspectives of the clients and recognizes hinders for their underdevelopment. Through this process, the social workers facilitate the clients with the purpose of enabling the challenges. In this way, the so cial workers can provide financial assistance to the poor people towards improving the quality of their life. Issues in Social Work According to Golia, (2015), social workers often face the exact issues of the society and actual reasons behind the social issues. Moreover, it is also extremely difficult to understand the genuine problems of the poor problem. On the other hand, Alvarez et al., (2016) opined that social workers often faces difficulties towards handling multiple and severe issues of the clients. It is quite difficult to research on the community and understand the root cause of the issues. Less Motivation of Social Worker According to Robinson and Webber, (2013), lack of motivation of the social workers can also hamper the effectiveness of the social work. Most of social workers do not actual show empathy for the clients and therefore, the effective of the solution is hampered. On the other hand, BrintzenhofeSzoc, (2015) opined that low pay of the worker also de-motivates the social workers towards effective social work and assists the poor people towards their development. Limited Resources According to Alvarez et al., (2016), limited resources for supporting social issues can be a significant issue for effective social work. Huge cutting in the Government funds also limits the resources towards the effective social works. On the other hand, Harris-Taylor et al., (2016) opined that less funding for social development actually hinder the overall development of the society and therefore, the effectiveness of social work is diminished. Identify proper clients According to Hsu et al., (2014), non-profit organization should hire experts for identifying proper client serving the supportive service. Moreover, the social work organizations should identify the clients, who are actually facing social issues and lagging behind the developed people. It would enhance the effectiveness of the social work serving the actual affected people. On the other hand, Golia, (2015) opined that identifying proper clients can also help the support organization to narrow down the social issues and provide effective support. Motivation and increasing pay structure for social worker According to Jones and Felps, (2013), the social workers should be paid enough for their efforts towards the social development. Moreover, increasing salary structure would motivate the social worker to do hard work for helping the poor and affected people. On the other hand, Robinson and Webber, (2013) opined that the social worker should be trained enough towards aligning themselves with the actual problem of the affected people for providing effective support. Arranging Adequate Resource Resources both in sense of financial and non-financial are high required for supporting the actual issues of the affected people. According to BrintzenhofeSzoc, (2015), the social welfare organizations need to arrange adequate amount of financial and non-financial resources towards proper development of affected people. Furthermore, Sonenshein, (2016) opined that the social welfare organizations should make their recognizable identity towards getting more and more donations for social charity. Conclusion While concluding the study, it can be said that social work is a profession, which is concentrated on helping the individual, groups, families and communities for developing both their individual and collective wellbeing. Most of the social works in Singapore are concentrated on developing the poor people and administers the financial assistance for developing the quality of their life. Social works are also focused on empowering women and enhancing education rate in the society. However, the criticism of social work reflects on the fact that most of social works are concentrated on empowering women and not on the overall development of the society. Various social work theories have significant contribution towards facilitating the social workers in their social work. However, lack of motivation of the social workers and lack of adequate resources can hamper the effectiveness of the social work. References Alvarez, R., Ginsburg, J., Grabowski, J., Post, S., Rosenberg, W. (2016). The social work role in reducing 30-day readmissions: the effectiveness of the bridge model of transitional care.Journal of gerontological social work,59(3), 222-227. BrintzenhofeSzoc, K. (2015). A Family in Need of a Palliative Care Social Worker.Journal of social work in end-of-life palliative care,11(3-4), 208-215. Golia, G. M. (2015). On the importance of direct practice experience among clinical social work faculty: A recent graduates perspective.Clinical Social Work Journal,43(3), 325-333. Harris-Taylor, C., Drazek, L., Rusen, J., Sarvananthan, K., Bergman, I., Lipscombe, L., Mukerji, G. (2016). Emerging Adult Clinic and the Importance of Social Work.Canadian Journal of Diabetes,40(5), S30. Henttonen, K., Johanson, J. E., Janhonen, M. (2014). Work-team bonding and bridging social networks, team identity and performance effectiveness.Personnel Review,43(3), 330-349. Hsu, B., Hackett, C., Hinkson, L. (2014). The Importance of Race and Religion in Social Service Providers.Social Science Quarterly,95(2), 393-410. Jones, T. M., Felps, W. (2013). Shareholder wealth maximization and social welfare: A utilitarian critique.Business Ethics Quarterly,23(02), 207-238. O'leary, P., Tsui, M. S., Ruch, G. (2013). The boundaries of the social work relationship revisited: Towards a connected, inclusive and dynamic conceptualisation.British Journal of Social Work,43(1), 135-153. Robinson, K., Webber, M. (2013). Models and effectiveness of service user and carer involvement in social work education: A literature review.British Journal of Social Work,43(5), 925-944. Roth, B. J., Sichling, F., Brake, A. (2016). Recentering our tendencies: Immigrant youth development and the importance of context in social work research.Journal of Human Behavior in the Social Environment,26(6), 509-520. Sonenshein, S. (2016). How corporations overcome issue illegitimacy and issue equivocality to address social welfare: The role of the social change agent.Academy of Management Review,41(2), 349-366. Tafvelin, S., Hyvnen, U., Westerberg, K. (2014). Transformational leadership in the social work context: The importance of leader continuity and co-worker support.British Journal of Social Work,44(4), 886-904.