Is it better for student to take a loan or to save money Case Study

Is it better for student to take a loan or to save money - Case Study Example Tuition fee takes the greater share of the loan before other expenses such as books, housing and this is a huge burned to the student. In some cases, the loan increases when the student has to repay with interest. This tends to be cumbersome for any student since it accumulates to the extent that it becomes difficult repaying. Economists argue that student’s loans should be interest free and subsidized to facilitate recovery (Christie 2015). Secondly, repayment of student loans can last for many decades, and it becomes a burden to the student (Shen 2010). It ties a student in a debt for a longer period hence can miss many opportunities that come to those who do not have debts. Economists argue that it makes it hard for students to build up an emergency savings account, and they cannot save money for retirement (Christie 2015). This is mostly in cases when a student has to pay the loan for a longer period of 15-25 years. Students who save do not have such burdens and are relieved. Thirdly, taking a loan can run a student’s credit history (Shen 2010). Students who default to pay their loans stand higher chances of blacklisting hence unable to get employment or borrow money from the financial institutions. Similarly, inability to pay the loan within the stipulated time harms the students because it affects the credit history making it prolongs the expected duration of clearance. Thoma (2015), an economist argues that student should not take loan they are unable to pay because it puts them into unintended debt. Additionally, student loans must be repaid with or without graduating (Shen 2010). This is very dangerous to students who do not graduate and lacks job opportunities. It forces them to look for the money elsewhere, hence putting pressure on them. Thoma (2015) notes that it becomes hard for people who do not have a stable income or earning less to repay such

Project - Answer questions based on readings Essay - 1

Project - Answer questions based on readings - Essay Example Leopold’s advocacy instigated an era that allowed for people to transcend introspective personal necessities in favor of environmental consciousness. His call for conscience must initially start from cognizance of man’s acts and how it affects the ecology. 2. In its entirety Rachel Carson writes a very poignant essay which illustrates a perceptible recognition of her predisposition which is noticeably literary. â€Å"All through the night the cries of curlews and plovers and knots, of sandpipers and turnstones and yellowlegs, drifted down from the sky. The mockingbirds who lived on the island listened to the cries. The next day they would have many new notes†¦Ã¢â‚¬  (Carson, 1941). This passage stuck to me in a way that it evoked a deep sense of poetic beauty that signifies symbolic representations while at the same time realistically narrating something that is actual and tangible. The connotations of the night proved to be consistent in this passage with the birds howling at night that suggests they are probably in misery over something. The mockingbirds represented the role of a spectator much like the reader who are there only to witness them but without any active part in the process. But as far as symbolisms would go, a new day would present a new beginning and a new hope that was equally appropriate for the birds. 3. There had always been an attribution of enchantment and an implication of beauty toward flowers. This gift of nature in different forms, shapes, sizes and smells evoke a profound feeling that is often romanticized as perpetuated by poets and the like. The reverence given to flowers had always been reinforced by society. Flowers, depending upon the circumstance, may imply love, sympathy, respect or delight. The next quotation signifies a stripped version of man and all of his ingenuities as by-products. But in essence, it is nature that is the

Ipl Teams Essay Example for Free

Ipl Teams Essay IPL 2012 with lot of expectations and fanfare is just about to roll out in a few days and as the history of this version of cricket shows, in the country which is now called to be the Mecca of cricket, IPL with its star lit, glamour rapped extravaganza is likely to become the talk of the time. This year after the heavy crash of Indian squads fighter jet in Australia, there had been a sudden drop of public interest in cricket but once the news of the auction of the players reached the media, the cricket fever started to spread. This mega tournament made the T20 version of cricket hugely popular across various cricket playing nations. This year there have been a lot of changes in the squads of the teams. Here we would provide IPL 2012 team overview with a brief introduction to the teams. Chennai Super Kings As the champion of previous year IPL 2012 and as the most consistent team in the short history of the tournament, there is a huge expectation level for this squad. Except the presence of a number of good cricketers there are some of the big names of the world cricket are in this team like, Michael Hussey, Mohender Singh Dhoni, Muthia Murlitharan, Scott Styris and Suresh Raina. Mumbai Indians It is the most starlit team in the IPL 2012 team overview. If India is now considered as the global centre of world cricket, Mumbai is the Mecca of Indian cricket and for all the past versions of the tournament this team consistently shown some extraordinary brilliance and though it still could not be the champion, for number of times it aroused immense expectations of making it to the top. Sachin Tendulkar as unarguably the greatest batsman in the history of the game belongs to this team with a host of great players like, Harbhajan Singh, Kieron Pollard, Lasith Malinga, Andrew Symonds, Michell Johnson, Harshell Gibbs and Robin John Peterson. It has probably the biggest fanfare among the participant squads. Kolkata Knight Riders This squad should be characterized as the most under-performing team in the IPL 2012 team overview. Though there had always been huge expectations from this team from the debut tournament to the last version, this team made almost a reputation of under-performing in regard to the ability and potential of the team squad. This team is one of the most star crowded as it is having a great number of bigwigs and promising stars of the game like, Gautam Gambhir, Brett Lee, Jacques Kallis, Brad Haddin, Eoin Morgan, Yusuf Pathan, Shane Bond, Shakib Al Hasan, Mark Boucher and Iqbal Abdullah. Delhi Daredevils This is a team which has been well known in the history of IPL as a great starter and in all the versions of IPL it had to quit without making up to the final. This team got some of the finest players both in the departments of bowling and batting. With Virender Sehwag, David Warner, Aaron Finch, Irfan Pathan and the costliest player of the tournament Ravindra Jadeja, this team has the potential to make to the pinnacle of glory. Kings xi Punjab This year Kings XI Punjab is expected to produce some stunning cricket extravaganza with a promising squad comprising some great players like the electrifying stylish batting legend Adam Gilchrist, David Hussey, Ryan Mclaren, Piyush Chawla and Shaun Marsh. Decan Chargers This team has a great ability of showing some great performances when repeated defeats just come close to make the teams future written off and with shocking brilliance it had changed the fate of many teams when everything started to look as predictable. With the likes of great players like, Kumar Sangakara, Kevin Petersen, Ishant Sharma, Pragyan Ojha this team is capable to cause many upsets . Royal Challengers Bangalore This squad is made of some of the great youthful players and can produce a lot of wonderful performances with the presence of players like, Chris Gayle, AB de Villiers, Mohammad Kaif, Tilakratne Dilshan, Daniel Vettori, Virat Kohli and Zaheer Khan. Pune Warriors This year the team got the old time heavy weight and former indian captain Sourav Ganguly. Though the team would heavily feel the absence of the big hitter and classy batter Yuvraj Singh, the team is capable of producing some brilliance performances with the presence of Graeme Smith, Jesse Ryder, Michell Marsh and Rahul Sharma. Rajasthan Royals This team is always reputed to have shown some great examples of fighting spirit. After the recent retirement from the international cricket Rahul Dravid as the new captain of the squad is expected to have some extra zeal to produce a memorable performance as a classy batsmen and his cool captaincy can prove to be an asset for the team. It has a great bowling line up with the presence of stalwarts like Shane Warne, Shaun Tait and Shane Watson and also a great line up of players with promising batsmen and all-rounders like Faiz Fazal, Jacob Oram and Ross Taylor. IPL 2012 team overview made one point clear that this year the tournament is going to experience more balance in the performance of the teams because of the presence of good number of international level of players in every team.

Effect of Fixtures on Deformation and Warpage

Effect of Fixtures on Deformation and Warpage

Speeding and racing :: essays research papers

Speeding and racing seem to be my favorite hobby when I sit on the car and drive. And I don’t even care what will happen to me when I’m speeding and racing. Besides, my life just barely got out of a hole and ready to get back on track. Unfortunately, an incident that had tilled my life until this day would never be able to fade away.   Ã‚  Ã‚  Ã‚  Ã‚  During spring term when I was still attending at Cal Poly Pomona University, two weeks before the final; my friends and I, three of us went on a road trip to Sacramento to attend to my friend’s girlfriend high school graduation ceremony. We left on Friday night and returned home on Sunday morning. On the way return home, we switched driver and rested several times to avoid the driver fall asleep or the car might get overheat because of the hot weather. We already had driven more than half the distance from Sacramento to Los Angeles. Shortly after I saw a resting area board display on the side of the I-5 freeway, I asked my friend to stop for rest. We rested there likely no more than fifteen minutes and continued to head home. This time, it was my turn to drive because both of them are tired.   Ã‚  Ã‚  Ã‚  Ã‚  The car started and I began to put it in motion. Like normally, after I entered the freeway, I always kept it with a steady speed between 75mph to 80mph. All suddenly, I began to speeding up and had passed many other vehicles. Meanwhile, I was also joking with my friend on the passenger side and teasing at him because he was scare and nervous; while my other friend sitting in the back enjoy his dinner without any worrying. I kept on speeding until there was no more space for me to change lane. Within a few second later, I felt that I needed to make a decision which is the best for our safety. I tried to slow down but suddenly there were an eighteen wheels truck in front of me, the four doors Nissan Sentra on the left, and the dessert with even pave on the right. I knew that I didn’t have enough space for me to change the lane between the truck in front of me and the car on my left. Therefore, I began to step the break really hard and tried to slow down as m uch as I could to reduce my speed.

Booker T Washington Essay example -- essays research papers

Booker T.Washington: Fighter for the Black Man Booker T. Washington was a man beyond words. His perseverance and will to work were well known throughout the United States. He rose from slavery, delivering speech after speech expressing his views on how to uplift America's view of the Negro. He felt that knowledge was power, not just knowledge of "books", but knowledge of agricultural and industrial trades. He felt that the Negro would rise to be an equal in American society through hard work. Washington founded a school on these principles, and it became the world's leader in agricultural and industrial education for the Negro. As the world watched him put his heart and soul into his school, Tuskegee Institute, he gained great respect from both the white and black communities. Many of the country's white leaders agreed with his principals, and so he had a great deal of support. Booker T. Washington was a great man. He put his own needs aside in order to build the reputation of an entire race. He didn't do it by accusing and putting blame on others, but instead through hard work. Booker T. Washington cleared the way for the black community to fully enter the American society. Washington was born into slavery on April 5, 1856, in Franklin County, Virginia, on a small tobacco plantation. His only true relative was his mother, Jane, who was the plantation's cook. His father was probably the white son of one of the neighbors, though it is not known for sure. Washington spent his childhood years on the plantation, but since he was so young he never had to do the heavy work. He did the small jobs, such as carrying water to the field hands and taking corn to the local mill for grinding. This hard work at an early age instilled in him the values he would teach for the rest of his life. When the Civil War ended in April of 1863, Washington and his mom were set free. Unlike most of the other slaves, Washington had somewhere to go. His step-father had escaped earlier, and had gotten a job in Malden, West Virginia, at a salt furnace. When the war ended, he sent for Washington and his mom. Life was tough in Malden. "Drinking, gambling, quarrels, fights, and shockingly immoral practices were frequent." Washington himself got a job in the salt furnace and often had to go to work at four in the morning. Washington longed for an education. A schoo... ...ust make economic progress, and learn how to make a living first. In order to raise funds for the school, Washington traveled all over the country, giving hundreds of speeches expressing his ideas and explaining his program at the school. He became known nationally because of these speeches, which led to many contributors such as Andrew Carnagie, John Rockefellar, and Collis Huntington. As for Tuskegee Institute, its success was beyond Washington's wildest dreams. At the time of Washington's death, 34 years after its founding, the school property included 2,345 acres and 107 buildings, with nearly 200 faculty members and more than 1,500 students. Tuskegee Institute had become the world's leader in agricultural and industrial education for the Negro. Booker's spirit and name live on long after his death. He is remembered and admired for his struggle for the black man. Tuskegee Institute still exists today and is quite well off, with over 3,250 students, about 5,000 acres, and an annual budget of $75 million. Booker T. Washington is a wonderful example that even if you came from nothing, you can accomplish great things if you try hard enough and are willing to make the sacrifice. Booker T Washington Essay example -- essays research papers Booker T.Washington: Fighter for the Black Man Booker T. Washington was a man beyond words. His perseverance and will to work were well known throughout the United States. He rose from slavery, delivering speech after speech expressing his views on how to uplift America's view of the Negro. He felt that knowledge was power, not just knowledge of "books", but knowledge of agricultural and industrial trades. He felt that the Negro would rise to be an equal in American society through hard work. Washington founded a school on these principles, and it became the world's leader in agricultural and industrial education for the Negro. As the world watched him put his heart and soul into his school, Tuskegee Institute, he gained great respect from both the white and black communities. Many of the country's white leaders agreed with his principals, and so he had a great deal of support. Booker T. Washington was a great man. He put his own needs aside in order to build the reputation of an entire race. He didn't do it by accusing and putting blame on others, but instead through hard work. Booker T. Washington cleared the way for the black community to fully enter the American society. Washington was born into slavery on April 5, 1856, in Franklin County, Virginia, on a small tobacco plantation. His only true relative was his mother, Jane, who was the plantation's cook. His father was probably the white son of one of the neighbors, though it is not known for sure. Washington spent his childhood years on the plantation, but since he was so young he never had to do the heavy work. He did the small jobs, such as carrying water to the field hands and taking corn to the local mill for grinding. This hard work at an early age instilled in him the values he would teach for the rest of his life. When the Civil War ended in April of 1863, Washington and his mom were set free. Unlike most of the other slaves, Washington had somewhere to go. His step-father had escaped earlier, and had gotten a job in Malden, West Virginia, at a salt furnace. When the war ended, he sent for Washington and his mom. Life was tough in Malden. "Drinking, gambling, quarrels, fights, and shockingly immoral practices were frequent." Washington himself got a job in the salt furnace and often had to go to work at four in the morning. Washington longed for an education. A schoo... ...ust make economic progress, and learn how to make a living first. In order to raise funds for the school, Washington traveled all over the country, giving hundreds of speeches expressing his ideas and explaining his program at the school. He became known nationally because of these speeches, which led to many contributors such as Andrew Carnagie, John Rockefellar, and Collis Huntington. As for Tuskegee Institute, its success was beyond Washington's wildest dreams. At the time of Washington's death, 34 years after its founding, the school property included 2,345 acres and 107 buildings, with nearly 200 faculty members and more than 1,500 students. Tuskegee Institute had become the world's leader in agricultural and industrial education for the Negro. Booker's spirit and name live on long after his death. He is remembered and admired for his struggle for the black man. Tuskegee Institute still exists today and is quite well off, with over 3,250 students, about 5,000 acres, and an annual budget of $75 million. Booker T. Washington is a wonderful example that even if you came from nothing, you can accomplish great things if you try hard enough and are willing to make the sacrifice.

Syllabus Notes on Rome: The Augustan Age

Syllabus Notes Rome: The Augustan Age 44BC – AD14 1Establishment of the Principate Impact of the Death of Caesar – Republic government = Senate. – Julius assassinated seen to be becoming dictator. – Wealth + position left to Octavian. – Political heirs thought to be Antony (other consul) and Lepidus (master of horses/ assistant to dictator) – Ant in charge (abolishes dictatorship) > Lep: pontifex maximus in Spain Early Career of Octavian -Speech @ nan’s funeral Education + military training from Caesar > hears of father’s death AVENGE -Pays 75 denarii w. own $ & hosts games (comet = soul of Caesar) -Puts army together & gets imperium to defeat Ant in Gaul > Decimus Brutus given triumph Second Triumvirate and Civil War -Joins Ant works & Lepidus where interests lie (triumvirate) power of dictator, against Republicans -Senate & Cicero reject demands for consulship, Oct seizes control; prepares for war (against assasins: Brutus & C assius) -Proscriptions – Cicero > escapees joined Pompieus Battle of Phillipi: Reps defeated- triumvirs divide empire -Treaty of Brudism: war risk> Ant marries Octavia> further division -Treaty of Misenum: Pirate Pompieus gets 3 area after stopping corn. Archaea proconsul. -Ant marries Cleo> end of Triumvirate Consequences and Significance of the Battle of Actium -Civil uproar @ Ant’s propaganda (Ant’s will) -Blockade (w. Agrippa) Cleo & Ant escape leave fleet behind- later commit suicide -Troops demobilized Egypt annexed to Rome> pays off campaigns, triumph + adorns Rome -Oct establishes authority in East & put in prayers and liberations -Temple of Janus closed after 200yrs: PEACE Development of the Principate: Settlements of 27 and 23 BC -Puts aside powers granted to him> looks like Senate is in control -Became Princeps (1st citizen) others held title before -1ST SETTLEMENT: Procunsular Imperium Consul â€Å"Augustus† -2ND SETTLEMENT: Procunsular maius Imperium Tribunica Potestas Titles, Honours and Images Propaganda> associates himself with victories, religion, heirs, peace -All over the empire- promote himself, looks like he does a lot for the people: prima porta -Didn’t use title a lot- makes him seem too powerful Syllabus Notes Rome: The Augustan Age 44BC – AD14 2The Augustan Principate Augustus and the Senate: Roles and Responsibilities -Augustus treated the Senate with respect (example of JC), he was fair -shared the work not power -Army, honours & ‘auctoritas’ helped Aug control Senate -Unsuitable members removed 3 times (1000 to 600) and fewer sessions -Members had to have: hereditary link or favour from Aug.Monetary qualification -Hereditary members: broad purple stripe â€Å"New Men†: narrow purple stripe -Senatorial provinces were peaceful> Imperial provinces (Aug) were ‘armed’ -Consilium principas council that advised Aug- 20 senators and family members Roles of Magistrate s and Officials -Positions held status & power- cursus honorum – leads to other opportunities -Aediles lost popularity and responsibilities: grain supply, aqueducts, fire brigade -Aug approve/reject candidates for positions due to autoritas -Consulship reduced to 6 months -New committees> used senior men more specific jobs, quality of work improved