Health Care Reform Essay Example | Topics and Well Written Essays - 1750 words

Black Women’s Feminism and Literature Essay Example for Free

Dark Women’s Feminism and Literature Essay Dark Women, the term frequently means the dark cleaned individuals, particularly the individuals who depend on the African district. Despite the fact that different well known essayists who shed their words as bloods and battled against the unfairness that where occurring against the dark individuals, Maya Angelou was one wonderful individual. She thought more towards the ladies area, as she is an increasingly touchy and incredible lady without anyone else. One inborn nature of her is that she is constantly pleased to consider her to be a lady. A large portion of her abstract works center towards acquiring unrest the general public, specifically for ladies. Dark ladies confronted loads of difficulties because of imbalance and racial separation and to defeat all these were framed the National Black Feminism Organization (NBFO). All ladies from this association battled for accomplishing balance and force for the blacks. A few social, political and women's activist developments where held to help the dark ladies. This reality of issue was not just on account of disparity looked by the dark ladies. They were additionally inexpensively pushed to sexism by the men of different class. Writers are the most expressive and understanding individuals more than others, and they have an alternate coherent point of view towards anything they see. That is the reason journalists, particularly female essayists concentrate more towards the government assistance of ladies and it is totally irrefutable that ladies merit all these exceptional advantages and contemplations. I, out of close to home understanding, owe my fullest regard to the ladies I for one carried on with my existence with. It is as a matter of fact my valuable mother. I would state ladies scarify the most ideal approach to offer the best things for other people. She is the good example in my life and she has formed me in a truly lovable manner and what I am today is exactly what she favored me with. I generally bow my head to the valuable blessing god gave me. Ladies are consistently the best models in different fields, and if no ladies, there is nothing wonderful on the planet. African American Women, however has confronted part of battles and deterrents, have figured out how to effectively conquer every one of them. Today, in this 21st century, we can see different ladies from the Black history to be fruitful sparkling in all fields. Our dearest author Maya Angelou is one such individual, and the rundown may reach out up to Daisy Bates, who is a progressive columnist and a functioning individual from social liberties. Maya has shaped the torment of the dark ladies in every one of her works and this has likewise been a purpose behind the unrest. It will not be publicity when we state dark ladies have contributed a great deal to the worldwide culture. One fundamental explanation behind this could be their opposition and withstanding limit towards all the obstructions and embarrassment they happened to run over. They utilized their capacity admirably in conquering this battles. In the event that they would experience felt the difficulties a major weight for them, at that point they would have gone undetectable to every one of them. In any case, they stood up solid against all these prejudice and sexism issues. They utilized their qualities and powers in a helpful manner by starting different lobbyist developments and battling for the law. They demonstrated that they merit the equivalent rights and force and they are no chance lesser than other society ladies. Days when ladies thought themselves as casualties have gone past the mountains and now ladies defeat the battles by displaying their abilities and attributes. Support of ladies in all fields is radically expanding and now there is no field you can see that ladies can't be a piece of it. Ladies demonstrate that they are consistently the victors, be it any order. References http://www. poemhunter. com/sonnet/extraordinary lady/http://en. wikipedia. organization/wiki/Black_feminism http://womenshistory. about. com/od/africanamerican/a/black_women. htm

How Does Compound Interest Work

How Does Compound Interest Work How Does Compound Interest Work? How Does Compound Interest Work?Compound interest is a double-edged sword: It can either work for you or against you. So make sure you get it on your side!Contrary to what its name might lead you to believe, the subject of “interest” isn’t all that interesting. But that doesn’t mean it’s not importantâ€"far from it. Gaining a basic grasp of how various types of interest rates work is a crucial first step in becoming financially literate.But to make matters more complicated, there are several different kinds of interest out there. We recently wrote about how variable interest rates work, and today’s article will instead focus on compound interest. Because the more you know, the better you’ll borrowâ€"and save.What is compound interest?Whether you are borrowing money or investing it, there are two main types of interest: simple interest and compound interest. If you’re an investor, compound interest is your friend. But if you’re a borrower, it’s a foe.“Compound in terest is the amount paid on the initial principal and the accumulated interest on the money youve either invested or borrowed,” explained Nathan Wade, Managing Editor for  WealthFit Investing. “The sum of money grows faster compared to simple interest.“This is because youre earning returns on the money you invest and you also receive returns on those returns at the end of each compounding period,” he continued. “The interest is calculated on the initial principal which does include accumulated interest of previous periods of a deposit or loan. Essentially, compound interest allows you to earn interest on your interest. ““Now if you are a borrower, compound interest hurts you rather than helps you,” said finance expert Ron Auerbach. “Compound interest is calculated in the exact same when you’re borrowing money: The only difference is that instead of your getting that money (interest), you now have to pay it. So with compound interest on a loan, youll owe more tha n if your loan was a simple interest one.How does compounding interest work?In order to explain how compound interest works, it helps to start with an explanation of simple interest.“Simple interest only gives you interest on your original amount,” said Auerbach. “For example, you deposit $100 into an account that earns five percent simple interest per year. At the end of one year, your account will grow to $105.”“And simple interest is calculated by taking your original amount multiplied by the annual rate of interest. In my example, that would be your $100 deposit times five percent, which is 0.05. Doing this multiplication gives you five dollars.“Now with simple interest, its a fixed rate. That means each year, your interest amount will be the same. So how much would you earn in simple interest in year two? Another five dollars. So by the end of the second year, youd have $110. In other words, you only get interest on your original amount! ““But what if we were de aling with compound interest?” he continued. “In this case, youd be getting interest on top of your original amount, plus interest on top of any previous interest youve received. So using my example from above,  at the end of year one, youd have the same $105 as you did with simple interest.“However, in year two, youd earn interest on the original $100 and interest on the five dollars interest from year one. So youre getting interest on the $105 at the end of year one, which would be $105 x 0.05 = $5.25. At the end of year two, youd have a total of $110.25.”The Rule of 72.According to Steven Briggs of  Briggs Financial, The “Rule of 72” in important shorthand you should know to help you understand the power of compounding interest.“What this rule tells you is that if you know the interest rate or rate of return, you can divide 72 by that interest rate to get the number of years it takes for your money to double,” he said.Briggs also offered the following example:“ If you have had your money in an SP 500 index fund, the rate of return has been give or take about nine percent. 72 divided by nine is eight, meaning that about every eight years, the value of your account doubled. Over a 32 year career, the first dollars you put in would have doubled 4 times, meaning that $1,000 invested back then has earned you $16,000 today.”“This also applies in a negative direction with debt interest rates,” He continued. If your credit card, for example, has an 18 percent interest rate, we can take 72 divided by 18 and find that our debt will double in approximately four years.“Wait, you may be saying, youre telling me that my credit card interest rates could be double or more that of average investment market performance? Yes, which is why before clients of mine work on anything involving investing, we get rid of the guaranteed high-interest debt first.”“I cannot predict how the market will perform,” said Briggs, “but an 18 percent interest is guaranteed to charge that against your balance. Thats a lot of money being given away for the privilege of Visa and Mastercard and American Express letting you borrow it. I hate it, and you should hate it too, hate it enough to want to get rid of it as soon as humanly possible.Make compound interest work for you.If you are saving money for retirement, you need to take advantage of compounding interest by putting your money into retirement accounts or other investment vehicles. If you just leave it in a savings account, you almost certainly won’t have enough to retire on.Similarly, if you’re letting your financial future get bogged down in high-interest credit card debt, you are essentially throwing your money down the drain. Whatever you do, you need to make sure that compound interest is working for you, not against you.“The main component to consider is that most of us are not taking advantage of compounding interest in a meaning and positive way,” urged Josh Littauer (@j osh_littauer), a financial adviser with  Wealth Wave. “For example, if your money is in a checking account the interest rate is typically between .25 percent and .5 percent, at these rates it would take between 144 and 288 years for your money to double. Not very good right?”That’s why Littauer encourages everyone he works with to find ways to minimize the use of interest against them and find ways to starting getting interest on their side: “There are plenty of investment vehicles that will give you 6-12 percent return annually, but in many cases we need to get out of debt first in order to maximize our ability to get a return.“I often get the argument that ‘I dont make enough money to invest,’” he continued. “There is an example of a man who was a UPS driver his whole career starting at 22, during which he committed to investing 20 percent every year. His income was less that 20,000 annually, and yet when he retired he was worth seven million dollars! He took adv antage of compound interest early and it paid off in a huge way!”“The moral of the story, compound interest will make or break you. Einstein calls it the eighth wonder of the world, but if that eighth wonder is working against you its hard to combat,” concluded Littauer, who added that you should “make sure interest is working in your best interest.”The more financially literate you become, the better grasp youll have on managing your own finances. If you find yourself relying on  short-term  bad credit loans  and  no credit check loans  (like  payday loans,  cash advances, and  title loans) to make ends meet every month, then you should make financial literacy one of your top priorities. To learn more about improving your long term financial outlook, check out these related posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersSave More Money with These 40 Expert TipsFrom Budget to Baller: 6 Tips to Grow Your MoneyEmergency Funds Are Import ant: Here’s How to Start Building OneDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsRon Auerbach holds degrees in finance, accounting, economics, and human resources. As a highly-experienced educator, he’s taught subjects from A to Z. This includes personal and corporate finance, economics, accounting, and business math. Mr. Auerbach has also worked in many  industries. This includes banking and financial services, retail, hospitality, IT, education, and sales And he is the author of the job search book,  Think Like an Interviewer: Your Job Hunting Guide to Success.Steven Briggs is the owner of Briggs Financial, a fee-only financial planning and investment management firm located in Round Lake Beach, IL. He primarily works with his clients online, serving households from coast to coast. Steven is also the host of Money is Personal, a weekly personal finance podcast available on iTunes. Additionally, he volunteers as a board member of the Northwest Housing Partnership, a nonprofit organization that facilitates affordable housing for families throughout Northwest Chicago.Josh Littauer  (@josh_littauer) is a financial adviser with  Wealth Wave, and an associate of World Financial Group. Josh focuses on bringing education to a financially illiterate society while combining habits, mindset, and perspective from his professional Crossfit  career. Our nation and culture are struggling both physically and financially, Josh aspires to change both of those for you and your family. In his spare time, Josh enjoys reading,  writing, having a good beer, and exercising.Nathan Wade is a licensed attorney for the State of Hawaii and the U.S. District Court of Hawaii. He holds a law degree with a focus in business and has extensive experience in entrepreneurship and international business. He is also a Managing Editor for  WealthFit Investing, a financial education blog ded icated to curating advice on investing, entrepreneurship and money.

A Brief Note On The Articles Of Confederation - 1381 Words

1777 - 1789 // The Articles of Confederation The Declaration of Independence ignited the search for a government, with some states even drafting their own. In 1777, the Continental Congress finished drafting a national government for states for ratification. They ratified it easily, supporting how this form of government was the polar opposite of the†tyranny† of Great Britain. The Articles allowed the government to do the following: make treaties, form a national army, and other meager tasks compared to the faults. These limitations were highlighted as they could not actually enforce any of these powers, nor could the government tax. This led to funding being even more limited than initially perceived. Even the editing process hindered†¦show more content†¦Another key factor that stemmed from the creation of the Articles was the fact that there should be a strong central government. Opposition to strong government was high during this time because of localized fear that they would become just like the gover nment they had been trying so hard to tear away from. However, the Articles made it incredibly clear that idly standing by and letting the states do their own thing wasn’t going to fly well. The failure of the Articles of Confederation would ultimately lead to the amount of federalist support that would come towards the early stages of the Constitution in the future. This event was caused by the breaking off from the British government. This event would never have happened if it hadn’t been for the perceived oppressiveness of the British government, and subsequently the separation of the colonies and Great Britain. The Declaration of Independence was drafted as a means of preventing possible anarchy due to lack of structure. Most Americans agreed that an anarchy government wasn’t for them, however they were all in fear of becoming a tyranny, as they felt that was the case with the previous government. So a weak framing was favorable at the time. This development’s the short term effects were the obvious problems in the Articles, such as the no taxation power or trade regulation. The long term effects saw not being able to

Essay on Great Expectations by Charles Dickens - 2511 Words

Great Expectations by Charles Dickens Great Expectations was written by Charles Dickens in 1861. Great Expectations is a coming of age story that revolves around the life of one man Pip. From the time he was seven years old until he was in the mid thirties, Pip shows us the important events in his life that shaped who he became. Along the way, he enquires many different acquaintances and friends that influence him in his decisions and goals in his life. Great Expectations is a story that the public can relate to because at some point, everyone goes through the struggles that Pip must battle. It shows that possessions and wealth do not change who people are inside, and that finding ones self†¦show more content†¦These kind of prisons came to be workhouses for people who had lost all their belongings. This painful experience would have stayed in Charless mind for the rest of his life. Great Expectations is a harsh criticism on the British Legal and Penal system as well as on the Victorian Society. By reading th e novel the reader becomes aware of the Victorian unfair Justice regarding poor people but advantageous towards the rich and educated middle class. Crime and Punishment is an important theme in Great Expectations and Dickens uses the character of Magwitch to highlight his concerns with the criminal Justice system. Magwitch, frightens Pip at first because he is a convict and Pip feels guilty for helping him because he is afraid of the police. By the end of the novel, however Pip has discovered Magwitchs inner nobility, and is able to disregard his external status as a criminal. Prompted by his conscience, he helps Magwitch to evade the law and the police. As Pip has learned to trust his conscience and to value Magwitchs inner character, he has replaced an external standard of value with an internal value. The character Magwitch is not only powerful in itself but it shows us what Dickens thought about crime. Dickens was trying to find the good in even the darkest of characters. In chapter one, Dickens uses metaphors and similes to describe the setting andShow MoreRelatedGreat Expectations By Charles Dickens1113 Words   |  5 Pagesadventures that the male characters go on. This seems to be relevant in a lot of movies and books like the story Great Expectations by Charles Dickens. In Great Expectations there are multiple female characters like Estella, Biddy, and Miss Havisham who all play a large part in the main character, Pip’s life. One of the first that we meet the character Estella in Charles Dickens’ Great Expectations is when Pip goes to Miss Havisham’s to play with her. The two kids play the game beggar my neighbor when EstellaRead MoreGreat Expectations By Charles Dickens1347 Words   |  6 Pagespoor status of the economy, social mobility does not seem to be occurring at high rates, with the poor getting poorer and rich getting richer. Despite this, social mobility is alive and well, and has been for centuries. In his novel, Great Expectations, Charles Dickens voices the concerns of many that lived in Victorian England during the 19th century by promoting such a desire to live life in a more prosperous social class. One of the most fundamental and reoccurring themes in the novel is that ofRead MoreGreat Expectations By Charles Dickens1426 Words   |  6 Pages Twelve-year-old Charles dickens gets ready for bed after a long day at the blacking house. These Victorian-aged memories will provide him with many ideas for his highly acclaimed novel Great Expectations. Set in 1830 England, Great Expectations is a coming-of-age story about a common innocent boy named Pip and his road to becoming a gentleman through the influence of others. Pip is influenced both positively and negatively by Estella, Herbert, and Magwitch. Estella left a huge impression on PipRead MoreGreat Expectations by Charles Dickens984 Words   |  4 PagesCharles Dickens utilizes his life for inspiration for the protagonist Pip in his novel Great Expectations. They both struggle with their social standing. Dickens loved plays and theatre and therefore incorporated them into Pip’s life. Dickens died happy in the middle class and Pip died happy in the middle class. The connection Dickens makes with his life to Pip’s life is undeniable. If readers understand Dickens and his upbringing then readers can understand how and why he created Pip’s upbringingRead MoreCharles Dickens Great Expectations943 Words   |  4 Pages This is true in many cases but none as much as in Great Expectations. In many ways the narrator/protagonist Pip is Charles Dickens in body and mind. While there are many differences between the story and Charles Dickens life there remains one constant. This constant is the way Pip as the narra tor feels, because these feelings are Dickens s own feelings about the life he lead. Since Great Expectations was written towards end of Charles Dickens life, he was wiser and able to make out the mistakesRead MoreGreat Expectations By Charles Dickens1375 Words   |  6 PagesGreat Expectations by Charles Dickens and The Talented Mr Ripley by Anthony Minghella present similar criticisms of society to a large extent. Both of these texts consider the criticisms of rich social contexts (wealth and status), societal morality (whether a society is good or not. Status [can lead to the wrong people being in a high position i.e. making bad decisions affecting the community/society] Appearance [society appears to be moral/good (if you’re from a higher status) {dickens criticisesRead MoreCharles Dickens Great Expectations1344 Words   |  6 Pagessomething that is not what they truly need? Often, they use social class to fill a void in their lives that can not be filled by materiali stic possessions. Many people realize this, but it is often too late. Charles Dickens demonstrates the effects of social climbing in his novel, Great Expectations. This novel explores the connections and effects of human nature and society, which are the two most powerful forces that guide people’s decisions. Some may say that social climbing is good, but as will beRead MoreCharles Dickens Great Expectations1223 Words   |  5 PagesBeloved author Charles Dickens was born on February 7, 1812 in Portsmouth, England. Growing up in a life of poverty, his childhood hardships provided the inspiration to write a myriad of classic novels including his 1861 seminole masterpiece, Great Expectations (â€Å"BBC History - Charles Dickens†). Great Expectations follows the life of an orphan named Pip, who’s perspective of the world is altered when he is attacked by an escaped convict in his parents’ graveyard in the town of Kent. Throughout hisRead MoreGreat Expectat ions by Charles Dickens1285 Words   |  6 PagesAP Great Book Assignment: Great Expectations The 544-page, Bildungsroman novel, Great Expectations, by Charles Dickens is considered a classic because it has stood the test of time, appealing to generation after generation of readers while still remaining relevant to them. Published in 1861, Dickens created a coming-of-age story that is similar to his other novel, David Copperfield, but Great Expectations is considered to have reflected parts of his own life. There are several parallels betweenRead MoreGreat Expectations By Charles Dickens924 Words   |  4 Pagesa character driven novel, or a mix of the two. In order for a novel to be character driven, it must revolve more around the characters’ individual thoughts, feelings, and inner struggles, rather than around the quest of the story. Great Expectations, by Charles Dickens, is a character driven novel. While the story does have a plot, it is not contingent upon that plot, but rather is reliant upon its characters and their natures. This is evident from the beginni ng of the novel. From the opening of

Risk assessment template Free Essays

This is a risk assessment form for assessing the risk of an activity not for the room or premises; this is the responsibility of the institution. If a risk is identified with the room or premises then a decision needs to be made whether the activity takes place until the risk is removed or the level of risk is considered to be acceptable. Risks identified in relation to the premises should be identified on the Need for Action Form. We will write a custom essay sample on Risk assessment template or any similar topic only for you Order Now A risk assessment is nothing more than a careful examination of what, in your work, could cause harm to people, so that you can weigh up whether you have taken enough precautions or should do more to prevent harm. The important things you need to decide are whether a hazard is significant and whether you have it covered by satisfactory precautions so that the risk is small. You need to check this when you assess the risks. Don’t be over complicated, in most of our situations the hazards are few and simple. Checking them is common sense, but necessary. You probably already know whether, for example, you have equipment that could cause harm, or if there is an awkward entrance or stair where someone could be hurt. If so, check that you have taken what reasonable precautions you can o avoid injury. Whilst a generic risk assessment is acceptable for a regular activity it must be reviewed and evaluated on a regular basis. Risk assessments will need to be modified dependent on type of group (do you know the group? Are there any members of the group with particular needs? Has the staff changed? You may have staff less competent than previously, have new staff received instruction/training? ) Overleaf are some examples, these are not fit for all activities and are only guidance in an assimilated situation. HAZARD WHO MIGHT BE HARMED WHAT PRECAUTIONS ARE IN PLACE HOW IS RISK CONTROLLED WHEN/BY WHOM Physical Injury (sport) Lifting and handling of equipment Cuts, puncturing from sharp implements staff,YAP Qualified/trained staff Staff clear about their responsibilities. Conduct and instructions given to participants prior to activity. Equipment checked and manual handling procedures observed. Adequate warm up/warm down. Appropriate dress code L part of induction process for new staff. Training where appropriate. Appropriate handling equipment supplied I. E. Trolley. Incidents and near misses to be recorded. Incidents and near misses recorded Advise on safe practice given. Close supervision. Agreed level of qualification or training required. Agreed code of conduct. Equipment regularly maintained and recorded Analysis of incident reports. Written information in induction packs reviewed. Training courses. Additional equipment identified at supervision sessions Agreed and written safe working practice Ongoing/staff Centre co-ordination 3 times per year by H Committee Training officer. How to cite Risk assessment template, Papers

Risk assessment template Free Essays

This is a risk assessment form for assessing the risk of an activity not for the room or premises; this is the responsibility of the institution. If a risk is identified with the room or premises then a decision needs to be made whether the activity takes place until the risk is removed or the level of risk is considered to be acceptable. Risks identified in relation to the premises should be identified on the Need for Action Form. We will write a custom essay sample on Risk assessment template or any similar topic only for you Order Now A risk assessment is nothing more than a careful examination of what, in your work, could cause harm to people, so that you can weigh up whether you have taken enough precautions or should do more to prevent harm. The important things you need to decide are whether a hazard is significant and whether you have it covered by satisfactory precautions so that the risk is small. You need to check this when you assess the risks. Don’t be over complicated, in most of our situations the hazards are few and simple. Checking them is common sense, but necessary. You probably already know whether, for example, you have equipment that could cause harm, or if there is an awkward entrance or stair where someone could be hurt. If so, check that you have taken what reasonable precautions you can o avoid injury. Whilst a generic risk assessment is acceptable for a regular activity it must be reviewed and evaluated on a regular basis. Risk assessments will need to be modified dependent on type of group (do you know the group? Are there any members of the group with particular needs? Has the staff changed? You may have staff less competent than previously, have new staff received instruction/training? ) Overleaf are some examples, these are not fit for all activities and are only guidance in an assimilated situation. HAZARD WHO MIGHT BE HARMED WHAT PRECAUTIONS ARE IN PLACE HOW IS RISK CONTROLLED WHEN/BY WHOM Physical Injury (sport) Lifting and handling of equipment Cuts, puncturing from sharp implements staff,YAP Qualified/trained staff Staff clear about their responsibilities. Conduct and instructions given to participants prior to activity. Equipment checked and manual handling procedures observed. Adequate warm up/warm down. Appropriate dress code L part of induction process for new staff. Training where appropriate. Appropriate handling equipment supplied I. E. Trolley. Incidents and near misses to be recorded. Incidents and near misses recorded Advise on safe practice given. Close supervision. Agreed level of qualification or training required. Agreed code of conduct. Equipment regularly maintained and recorded Analysis of incident reports. Written information in induction packs reviewed. Training courses. Additional equipment identified at supervision sessions Agreed and written safe working practice Ongoing/staff Centre co-ordination 3 times per year by H Committee Training officer. How to cite Risk assessment template, Papers