Friday, May 22, 2020

Consumers Warned of Online Payday Loan Sites

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 If payday is in two weeks, a $500 loan costs $150, and $650 will be electronically withdrawn from the borrowers checking account.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loan is direct deposited into the consumers checking account and loan payment or the finance charge is electronically withdrawn on the borrowers next payday.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

Friday, May 8, 2020

Comparing My Last Duchess,Porphyrias Lover and le Dame...

Comparing and Contrasting the Theme of power and control between Porphyrias Lover, La Belle Dame Sans Merci and My Last Duchess The poems I have chosen are: My Last Duchess Ferrara by Robert Browning, Porphyria’s Lover by Robert Browning and La Belle Dame Sans Merci by John Keats. I am going to be exploring the theme of power and control in each of the poems and how the poets show it. In Porphyria’s Lover and My Last Duchess it appears that the men have the power whereas in La Belle Dame Sans Merci the woman has the power. In Porphyrias Lover the only way the man feels he has power over Porphyria is by killing her. So by feeling that this is his only alternative, she has power over him. She is merely an adoring lover who really cares for†¦show more content†¦The Duke is going on and on and we only have one point of view. He is controlling what the audience perceive the characters as. Browning uses enjambment to make the rhyming couplets flow better in order to make the speech of the Duke more realistic. The easiness of the speech and the fact that it is flowing, shows that the Duke seems to have rehearsed everything that he is now saying to the agent. So he has had to think about what to say and wants to be able to manipulate the agent into taking his side and, indeed, wants to have control over the agent’s opinion of both him and his last Duchess. The dukes loss of control is also depicted through the rhythm of the poem. The enjambment in the poem reveals that the Duke is almost at ease with his wifes murder, because it is so flowing and he doesn’t get upset and almost doesn’t have to stop. Except for once; this is shown by the use of caesura, however as he only stutters once it seems as if he is just doing it for show. Near the end of the poem, the duke loses control. You can imagine the horrified agent rising to go and the dukes uneasiness as he loses control, and his desire to regain control of the situation as he says, ‘Nay well go down together, sir’ There is a caesura between ‘Nay’ and ‘we’ll’ which shows the Duke does not want to lose control but then has to pause as he thinks of a reasonable explanation for him saying ‘Nay’ to the agent leaving without him.

Wednesday, May 6, 2020

Marketing educational organizations Free Essays

The basic resource of society is (will be) knowledge and value is to be created by productivity and innovation (Drucker 1993). Amidon (2002), in her recent work entitled The innovation superhighway: harnessing intellectual capital for collaborative advantage states that the rapid shift in orientation over the past 50 years from data to information to knowledge is a profound and fundamental change that highlights the importance of individual and collective knowledge in the new economy.   The rapid changes that have taken place in this new era have created a â€Å"new economy† that presents new challenges and problems. We will write a custom essay sample on Marketing educational organizations or any similar topic only for you Order Now There are now new markets that are available and the traditional mindsets or practices that have been utilized by institutions and foundations in the past may even be no longer applicable to the current scenario.   This short discourse seeks to explain how these changes have created an impact in the â€Å"new economy† by highlighting the influence that these changes have made to modern education administration theory in relation to the emerging contemporary marketing perspectives. As previously mentioned, the basic resource of society is (will be) knowledge and value is to be created by productivity and innovation (Drucker 1993).   While this may not necessarily be a new concept, it certainly creates an added dimension in this discussion as it leads to three (3) implications. The first being that educational institutions are no longer immune or removed from the â€Å"new economy†, as was previously thought; the second implication being that education presently being looked upon to provide answers or solutions to the challenges of preparing people for this new environment or â€Å"new economy† and the third being that educational institutions need to face radical organizational change issues in order to be aligned with the â€Å"new economy† consumer and the operating requirements demanded by the â€Å"new economy†. In order to properly understand or comprehend the impact of these changes it is first essential to delve into a brief discussion of what marketing really means and how it is currently being understood in the context of the present day discussions regarding this issue.   â€Å"Marketing, according to Kotler (1994, p. 6), â€Å"is a social and managerial process by which individuals and groups obtain what they most need and want through creating, offering, and exchanging products of value with others†. As key to achieving organizational goals, marketing focuses on satisfying customers and meeting their needs and is central to any organizational improvement.   This aspect of marketing is what makes it essential to the concept of the â€Å"new economy† in that marketing determines the success of organizations existing and operating within the bounds of the â€Å"new economy.† Since the marketing has constantly evolved evolving from a concept with the purpose of convincing consumers that they should buy what is offered, to a conceptual base that suggest that the product or service be customized to meet and satisfy what consumers want, its applicability to modern education administration now becomes clear. There is no question that with the emergence of the â€Å"new economy† there has been a shift towards education being a basic resource of society (Drucker 1993).   What is questionable however is the extent that this shift is relevant to contemporary marketing perspectives.   The answer to this question lies in the relevance that education has in the application of contemporary marketing perspectives. As an ongoing conceptual evolution in practice, marketing in education is the key to gaining a competitive advantage over the other players in the field.   While this relevance may substantially vary from one educational institution to another, there are some elements of marketing that have always (arguably) existed in educational institutions. As Amidon highlights, this is now the essential ingredient for economic prosperity (Amidon 2002).   The reason for this is because of the impact that education has on contemporary marketing perspectives.   In this highly competitive â€Å"new economy†, for any player to survive and to prosper, it must be able to sustain its advantage over the other players.   This can only be achieved by employing an effective strategy aimed at developing the current advantages and addressing the needs as posed by the current disadvantages which the organization is faced with.   An effective strategy however necessarily entails initiating an analysis of the total operating environment (Porter 1996). There are those however who are highly critical of the idea of applying contemporary marketing perspectives to modern education administration theory, citing that there is no need to apply such perspectives because of the fact that educational institutions are beyond the realm of these perspectives and are hence inapplicable to the current scenario.   But as shown in the earlier discussion, the emergence of the â€Å"new economy† has indeed prompted the examination of traditional views and practices and necessitated the application of new theories such as contemporary marketing perspectives. The resistance to such application also springs from the fact that most of these educational institutions are too focused on the perceived failure or threats from the application of such theories that they, in essence, become too hesitant to institute or implement such changes (Kotler 1985).   The tendency of institutions to embrace these perspectives only when they are confronted with problems that they cannot deal with at a time when the application of these perspectives may become too late is the real problem.   Institutions, according to Kotler, must learn to realize and understand that the analysis of opportunities is more important than focusing on the perceived threats and dangers that come from its utilization in such a scenario (p 75). Marketing of education has been approached mainly from the operational level as tools for student recruitment and income generation. Responsible marketing in education, as called for by its terms of reference, is concerned with how to effectively bring students into contact with programs that are both beneficial and rewarding from the broadest sense of personal as well as societal fulfillment (Liu 1998). Most, if not all, of the current individual educational institutions are at any of the three (3) stages in terms of their understanding and application of marketing to modern education administration.   While it has been argued that in the current scenario marketing is only at the early stages of development in most educational institutions, typically at stage 1 or stage 2 of this continuum, there promises to be more growth and development in this field because of the relevance that it has as discussed in the previous segments of this discourse.   Marketing, therefore, as a selling or product based concept can be applied to modern education administration. The application of marketing perspectives to educational theories is possible in many different aspects.   One of these aspects is in recruitment, which is analogous to the earlier theory of coming up with a strategy.   In this aspect, marketing can play a very important role as it will effectively make the educational institution stand out and become more recognizable.   When products become increasingly similar, companies need to segregate themselves from the rest of the players to create a preference for their offerings. This is similar to the current scenario which exists in the education sector wherein most schools provide the same basic services and information as others.   By employing marketing strategies, such as branding, these educational institutions are able to distinguish themselves from the other players in the field by promising that the company’s offering will create and deliver a certain level of performance, and in this case that the education offered will be exactly what the target market needs in order to succeed (Kotler 1994). The concept of branding is also applicable to a stage one (1) or stage two (2) marketing approach which essentially is limited to recruitment.   The ability of branding to increase recruitment is only one aspect as branding has also been shown to increase retention and referral.   This however exposes a fundamental difference between the various approaches to marketing education. A stage three (3) marketing approach incorporates a focus on what can be termed the 3Rs: †¢ recruitment – student (and parent) †¢ retention – student (and parent) †¢ referral – student (and parent).   The successful implementation of these strategies however clearly creates for opportunities for any educational institution than it does threats and therefore strengthens the position that there indeed is an advantage that contemporary marketing perspectives can bring to the field of modern education administration. In conclusion, the dawning of the â€Å"new economy’ which emphasizes the primacy of knowledge and education also brings about new challenges and opportunities for the field of education administration.   In order to capitalize on this whoever education institutions need to recognize the fact that there are indeed more benefits to be gained from employing these perspectives and should instead consider marketing and strategy concepts that allow for sophisticated planning, implementation and monitoring procedures to anticipate and meet customer needs and enhance satisfaction in line with the current development in marketing theories. References: Amidon, DM (2002) The innovation superhighway: harnessing intellectual capital for collaborative advantage, Butterworth-Heinemann, USA Drucker, Peter (1993) Post capitalist society, Butterworth Heinemann, UK Kotler, Philip (1994) Marketing management, Prentice-Hall International, USA. Liu, Sandra (1998) Integrating Strategic Marketing on an Institutional Level Hong Kong Baptist University, Kowloon, Hong Kong Journal of Marketing for HIGHER EDUCATION How to cite Marketing educational organizations, Essay examples

Tuesday, April 28, 2020

Things That Have Shaped My Life Essay Example For Students

Things That Have Shaped My Life Essay How could I start telling all my first experiences, they are so many and as long, so detailed but Ill try to think back and write the more exciting and more intense emotional situations around my short 20 years of age. I will try to demonstrate the important place that has all these situations regardless of the order, provided the first will be last, with this I will prove that my firsts will always end showing the sort of person I am that value and accept the good and bad days of life. My first love date, how could it be possible to forget things so immature at that time were details so special, my first date with a guy was in a simple common place. nothing romantic, much less anything funny, it was in my own high school at recess time, an appointment of 20 min in which we share the worst sandwich of my 3 years in high school, I felt it was the best day of my life, which felt a strange feeling that my heart sped towards me and even caused a stutter some overwrought silence in me, something weird because Im not a person or even less insecure reserved girl. We will write a custom essay on Things That Have Shaped My Life specifically for you for only $16.38 $13.9/page Order now That was my first love date with an 2 years older guy than me, a shaggy rocker and very high light Brown eyes, I could never forget how my grandmother usedto call him, The Pipipi Pretty Eyes Guy   , she called like that because of the famous comedian actor who works at a truck or rather bus or pesero   this actor often whistle and make a sound with his mouth that says like this pipipipipi  . My first fight with my parents was something incredibly humorous, for a dumb mistake made by me, I had become the girlfriend of a guy behind my parents, and I remember I had a phone withwichI send messages very often with this guy , one day after school, I was at home doing homework when suddenly I get a message from my boyfriend, when I start reading the message I got excited so much that my heart raced as never before, I had answer him so fast that by accident send the message to the cell number of my grandmother and then my mom was thereby took the phone and looked at the message and made a loud shout, that scares me so much, I didnt know what to think, I ran as fast as I could look at my mamas eyes and just felt the milestone of hair that she gave me, after that I realized something was wrong, with all the fear of world I was going or needed to asked what was happening, she just grab my grandmothers phone and showed me the message I had sent by mistake to her and not my boyfriend . After that you may seem silly my first punishment was something dumb, which made me lack therefore not something that I felt complete, my mother knew that I was a very charming girl who liked to look pretty and grooming, always stand out from the people, every day I made my makeup and I my hair, my hair was curly as a spring, brown as coffee and dark as chocolate and as long as Rapunzel princess, I did not like my hair I preferred it straight than curly, and with all the pain of my heart I suffered my first punishment, the punishment was to my hair because my mother hide my hair iron, I could notstraight my hair curled for weeks neither complete nor pretty nor outstanding I felt among my friends, I felt insecure, incomplete and ugly as a newborn duck, it sounds silly to say but my first punishment was painful with something material, my mother punished my hair iron for dating a boy. Like anyone else, I have good and bad experiences, lost and found, good and bad feelings, decisions, r egrets but like sometimes I have good plans. .u94335e779009e8a48e788b50ad7b8d3f , .u94335e779009e8a48e788b50ad7b8d3f .postImageUrl , .u94335e779009e8a48e788b50ad7b8d3f .centered-text-area { min-height: 80px; position: relative; } .u94335e779009e8a48e788b50ad7b8d3f , .u94335e779009e8a48e788b50ad7b8d3f:hover , .u94335e779009e8a48e788b50ad7b8d3f:visited , .u94335e779009e8a48e788b50ad7b8d3f:active { border:0!important; } .u94335e779009e8a48e788b50ad7b8d3f .clearfix:after { content: ""; display: table; clear: both; } .u94335e779009e8a48e788b50ad7b8d3f { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u94335e779009e8a48e788b50ad7b8d3f:active , .u94335e779009e8a48e788b50ad7b8d3f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u94335e779009e8a48e788b50ad7b8d3f .centered-text-area { width: 100%; position: relative ; } .u94335e779009e8a48e788b50ad7b8d3f .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u94335e779009e8a48e788b50ad7b8d3f .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u94335e779009e8a48e788b50ad7b8d3f .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u94335e779009e8a48e788b50ad7b8d3f:hover .ctaButton { background-color: #34495E!important; } .u94335e779009e8a48e788b50ad7b8d3f .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u94335e779009e8a48e788b50ad7b8d3f .u94335e779009e8a48e788b50ad7b8d3f-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u94335e779009e8a48e788b50ad7b8d3f:after { content: ""; display: block; clear: both; } READ: What is Human Rights Abuse EssayI consider myself an intelligent woman with good feelings, first I demonstrate maturity and strength but few people know inside the sensitive and fragile I am, the experiences have made me the woman I am now, one of my best experiences so far is today be next to a person who makes me see life from another perspective, that person that now I find and have, is the person that I always make go away, but away and never expected to come to love as much as I do now, I can say that the love for this couple is the same feeling of love that I was so sad, so empty and so dark, that I had lost one day, the only bad experience I had at my life and which I still suffer and could not recover. The only bad experience I had was the loss of a person who was my grandfather really was like my dad, who took care of myself and raise, besides being the only correct paternal figure I had. He was the person who helped me out of all my dificult crysis separation of my parents and also was the one who left me the worst emotional crysis when he die. My grandfather name Xavier, a primary school teacher, a healthy, respectful, responssable and very friendly man, but more importantly an incredibly happy man, full of life, and contagious happiness, love at all times. Still hard for me to accept that he passed away of something that did not deserve and which no one expected him to die, it appeared a cancerous brain tumor in his brain without explanation or warning, appeared and caused him to be in 3 operations he had survive 3 years more than the doctors expected and take more than 50 different medications to live more time with his family. The day of his death is still so alive I can even color it in my mind, was 8 pm, it was a difficult time for him that day, he was complaining and mourn for no reason, I was singing to him his favorite song, taking his hand to make him feel a little calm and to him to saw he was not alone. We had a nurse at home, I didnt want to listened the nurse, for more that he said that the day had come I did not want to accept, just hugged my grandfather as hard as I could to feel that he was never going away from my arms until the ambulante had arrived. I was barely 15 years and if you thought that my worst day was the signing of the divorce of my parents, does not compare to what I suffered that night in the returning from my mom, my 2 aunts and my grandmother who had gone in the ambulance with my grandfather, see them walk through that door one by one, and see that the last one to enter to the house was my grandmother that closed the door, I could not accept it , so I opened again the door hoping that my grandfather was there, that even he will come in his wheelchair and give me a kiss on the cheek and tell me that everything was going to be fine. Upon opening the door and not finding him I could not do more that laid down on the floor to shout and cry why God was so unfair to take me away the only person that illuminating and radiating my days of happiness, even now for me is hard to accept that the love I feel for him still intact and increasingly living comforts me. It was not just what happend that day, after that came a process even more dificult an emotional crysis and a disease of depression and anemia. My mom and sister helped me exit that uggly sickness. .u749f54807e7b43f834678e0c99cfb82d , .u749f54807e7b43f834678e0c99cfb82d .postImageUrl , .u749f54807e7b43f834678e0c99cfb82d .centered-text-area { min-height: 80px; position: relative; } .u749f54807e7b43f834678e0c99cfb82d , .u749f54807e7b43f834678e0c99cfb82d:hover , .u749f54807e7b43f834678e0c99cfb82d:visited , .u749f54807e7b43f834678e0c99cfb82d:active { border:0!important; } .u749f54807e7b43f834678e0c99cfb82d .clearfix:after { content: ""; display: table; clear: both; } .u749f54807e7b43f834678e0c99cfb82d { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u749f54807e7b43f834678e0c99cfb82d:active , .u749f54807e7b43f834678e0c99cfb82d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u749f54807e7b43f834678e0c99cfb82d .centered-text-area { width: 100%; position: relative ; } .u749f54807e7b43f834678e0c99cfb82d .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u749f54807e7b43f834678e0c99cfb82d .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u749f54807e7b43f834678e0c99cfb82d .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u749f54807e7b43f834678e0c99cfb82d:hover .ctaButton { background-color: #34495E!important; } .u749f54807e7b43f834678e0c99cfb82d .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u749f54807e7b43f834678e0c99cfb82d .u749f54807e7b43f834678e0c99cfb82d-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u749f54807e7b43f834678e0c99cfb82d:after { content: ""; display: block; clear: both; } READ: Copyright And Privacy With Computer Ethic EssayNow I feel good, I became strong for my family, I became a mature person who appreciates what I have, because I still have the best grandfather and father anyone could have, he is far and above, it is true I will never see him, but in my heart he is present every day and in my cheek is the mark of his last kiss. It is hard to understand but my worst experience is attached to my best experience, which is now with my lovely couple or boyfriend. The same man that one day I had loss the same day I had know the cuttest and perfect handsome guy, my boyfriend. I had lost and met the best man one day, 19th of January in 2009, today the love I feel for my grandfather has the same strength I feel about my current boyfriend Jacob, he is the greatest gift that my grandfather could send me in his absence. With this I can show all my firsts will be my best situations no matter if they are sad things, sad things are good and help me learn from that, remember the last ones will always be the first ones. Im happy to have what I have now as person, I value and always give thanks to those first special moments that made me the mature and strong woman that Iam today.

Thursday, March 19, 2020

Free Essays on Early, Midle And Late Childhood Development

Early, Middle and Late Childhood Early, Middle, and Late Childhood development are three stages in childhood development. During each of these three stages children are experiencing physical and cognitive changes. Early Childhood Physical Development: The brain during early childhood is one of the most important development stages. Through Myelination the nerve cells are covered and insolated with a layer of fat cells, which increases the speed that information travels through the nervous system. Myelination is responsible for the hand-eye coordination and the focusing of attention. Running, playing and drawing are also a major part of early child hood in that it helps build the child’s motor development. Such activities such as running, hopping, jumping and climbing on the lower monkey bars help to build gross motor skill. While the â€Å"outdoor† games can increase the gross motor skills, â€Å"indoor† activities such as drawing, cutting and building blocks will help to build the child’s fine motor skills. Another important factor in physical development in early child hood is nutrition. What children eat or don’t eat enough of is critical to their development. Good eating habit in a child is a learned behavior and is mainly in the hands of the parents and child care providers. Proper nutrition helps to insure the maximum growth of the skeleton, body shape and for health. Poor nutrition is linked to illness and even obesity. Obesity is mainly caused by rewarding a child with food and even feeling that you need to prove your love with food. According to me, the most dangerous habit a parent or guardian can do is reward a child’s good behavior with treats. A child’s Basal metabolism rate (BMR) is also important, in which it is the minimum amount of energy used in a resting state. Early Childhood Cognitive Development: Piaget has two preoperational stage theories: symbolic function substage and intuitive thought substage. ... Free Essays on Early, Midle And Late Childhood Development Free Essays on Early, Midle And Late Childhood Development Early, Middle and Late Childhood Early, Middle, and Late Childhood development are three stages in childhood development. During each of these three stages children are experiencing physical and cognitive changes. Early Childhood Physical Development: The brain during early childhood is one of the most important development stages. Through Myelination the nerve cells are covered and insolated with a layer of fat cells, which increases the speed that information travels through the nervous system. Myelination is responsible for the hand-eye coordination and the focusing of attention. Running, playing and drawing are also a major part of early child hood in that it helps build the child’s motor development. Such activities such as running, hopping, jumping and climbing on the lower monkey bars help to build gross motor skill. While the â€Å"outdoor† games can increase the gross motor skills, â€Å"indoor† activities such as drawing, cutting and building blocks will help to build the child’s fine motor skills. Another important factor in physical development in early child hood is nutrition. What children eat or don’t eat enough of is critical to their development. Good eating habit in a child is a learned behavior and is mainly in the hands of the parents and child care providers. Proper nutrition helps to insure the maximum growth of the skeleton, body shape and for health. Poor nutrition is linked to illness and even obesity. Obesity is mainly caused by rewarding a child with food and even feeling that you need to prove your love with food. According to me, the most dangerous habit a parent or guardian can do is reward a child’s good behavior with treats. A child’s Basal metabolism rate (BMR) is also important, in which it is the minimum amount of energy used in a resting state. Early Childhood Cognitive Development: Piaget has two preoperational stage theories: symbolic function substage and intuitive thought substage. ...

Tuesday, March 3, 2020

How to Conjugate the French Verb Servir

How to Conjugate the French Verb Servir Servir (to serve, to be useful) is an irregular French -ir  verb. Below are the simple conjugations of the verb  servir; they do not include the compound tenses, which consist of  a form of the auxiliary verb with the past participle. Within irregular  -ir  verb conjugations, there are some  patterns. Two groups exhibit similar characteristics and conjugation patterns. Then there is a final, large category of extremely irregular  -ir  verbs that follow no pattern. Servir is an Irregular -ir- Verb Servir  lies in the first group of irregular  -ir  verbs that display a pattern. It includes dormir, mentir, partir, sentir, servir, sortir, and all of their derivatives, such as repartir. All of these verbs share this characteristic: They all drop the last letter of the stem in the singular conjugations. For instance, first person singular of  servir  is  je sers  (no v) and first person plural is  nous servons  (retains the v  from the stem). The more you recognize these patterns, the easier it will be to remember conjugations. Servir is Conjugated Like  French Verbs Ending in -mir, -tir, -vir   Generally speaking, most French verbs ending in  -mir,  -tir, or  -vir  are conjugated this way. Such verbs include: dormir   to sleependormir  Ã‚  to put/send to sleepredormir  Ã‚  to sleep some morerendormir  Ã‚  to put back to sleepdà ©partir  Ã‚  to accordpartir  Ã‚  to leaverepartir  Ã‚  to restart, set off againconsentir   to consentpressentir     to have a premonitionressentir  Ã‚  to feel, sensesentir  Ã‚  to feel, to smellmentir  Ã‚  to liese repentir  Ã‚  to repentsortir  Ã‚  to go outservir  Ã‚  to serve, to be useful Expressions and Usage servir quelquun de / en quelque chose to serve somebody with something / to serve something to somebodyCest difficile de se faire servir ici. /  Ã‚  Its difficult to get served here.Sers le cafà ©.  Ã‚  Pour the coffee.Puis-je te servir du poulet  ?  Ã‚  Can I serve you some chicken ?Le dà ®ner est servi  !  Ã‚  Dinner  is  ready / served !Sers-moi boire.   Give  / pour me a drink.Ils nous servent toujours les mà ªmes histoires aux informations. They always dish out the same old stories on the newsServir la patrie / une cause   to serve country/ a causeOn nest jamais si bien servi que par soi-mà ªme.  (proverb)   If you want something done right, do it yourself.Servir les intà ©rà ªts dune dette  Ã‚  to service a debtservir la messe   to say / hold massIl a servi, ce manteau.   I got a lot of use out of this coat !Ça na jamais servi.   Its never been used toi de servir.  (tennis) Your serve.servir to be used forÇa ne sert rien de lui en parler. Its useless to talk to him / Its no use talking to him about it. Crier ne sert rien. Theres no point in shouting.servir de to act as, to beJe lui ai servi dinterprà ¨te.   I acted as his interpreter.se servir [pronominal reflexive] to help oneselfServez-vous de  / en là ©gumes. Help yourself to vegetables.Je me suis servi un verre de lait.   I poured myself a glass of milk.se servir [pronominal passive] to be servedLe vin rouge se sert chambrà ©. Red wine should be served at room temperature.se servir de quelque chose to use somethingIl ne peut plus se servir de son bras droit. He cant use his right arm anymore.Cest une arme dont on ne se sert plus.   Its a weapon that is no longer used  / in use.se servir de quelque chose comme  Ã‚  to use something asse servir de quelquun  Ã‚  to make use of  / to use somebody Simple Conjugations of the Irregular French -ir Verb Servir Present Future Imperfect Present participle je sers servirai servais servant tu sers serviras servais il sert servira servait nous servons servirons servions vous servez servirez serviez ils servent serviront servaient Pass compos Auxiliary verb avoir Past participle servi   Ã‚  SubjunctiveConditionalPassà © simpleImperfect subjunctivejeserveserviraisservisservissetuservesserviraisservisservissesilserveserviraitservitservà ®tnousservionsservirionsservà ®messervissionsvousserviezserviriezservà ®tesservissiezilsserventserviraientservirentservissent Imperative (tu) sers (nous) servons (vous) servez

Sunday, February 16, 2020

Capital punishment Research Paper Example | Topics and Well Written Essays - 1000 words

Capital punishment - Research Paper Example Advocates of death penalty argue that it should be given to hardcore criminals in order to reduce or control crime rates in a country whereas critics believe that death penalty should be avoided in all circumstances, as it is not a proper mean to punish criminals in a civilized world like ours. This paper analyses various dimensions of death penalty in detail. One of the major arguments against capital punishment is that â€Å"it never allows a criminal to change his behavior as in the case of other forms of punishments† (Kartha). It should be noted that the character of a human can be changed as time goes on. Nobody will get a second chance to live or correct his mistakes once he has been given capital punishment. Life is the most precious thing in this world and it should be honored and respected as much as possible. Even after huge developments, in science and technology, the secrets behind life are still unknown to us. Only the creator knows the secrets of his creations. U nder these circumstances, critics of death penalty argue that killing of a criminal may not be the suitable way of punishment. In their opinion, both the criminal and the criminal justice system do the same thing while declaring capital punishment to a criminal. ... One of the major core principles of the criminal justice system is that no innocent person should be punished even if thousands of criminals escaped. However, these principles are often been violated by the courts. Nobody can guarantee that court procedures are free of errors. Humans can commit mistakes. If that is true, courts controlled by human elements can also commit mistakes. It should be noted that after taking a life, nobody can return it once the offenders realize their mistakes. The above principle is true in the case of courts also. According to Kantian ethical theories, â€Å"even a person guilty of murder is to be treated with a certain sort of dignity, because even the murderer is still a person -- still an end in himself† (Stairs). If capital punishment is unethical and illegal, the question, how hardcore criminals should be handled or punished, is relevant. Nobody can assure that criminals such as Osama Bin Laden may change their behavior over a period of time. If they were released from jails, they may continue their criminal behavior and innocent civilians may lose their lives again. Under these circumstances, supporters of capital punishment argue that hardcore criminals should be executed with immediate effect in order to save the lives of others. In their opinion, a criminal who is responsible for killing innocent people does not have the right to live in this world. â€Å"It is said that when a criminal is given a capital punishment, it dissuades others in the society from committing such serious crimes. They would refrain from such crimes due to fear of losing their lives†( Kartha). In the absence of severe punishments such as capital punishment, the motivation for criminal activities may increase