A letter to the editor in the Wall Street Journal Essay - 6

A letter to the editor in the Wall Street Journal - Essay Example ts ahead of credit cards, I would like to bring to your attention my support and satisfaction towards the article and the author because I felt that it highlighted the reasons for that payment trend and was straight to the point. The payment of Mortgages before the credit card has been the normal way and has been in effect for a very long period of time, this is exactly what lenders expect from consumers. New information from TransUnion, which is a firm that deals with reporting credit related information, supports this stand that normal payment methods were back to effect at the end of the year 2013 due to a rise experienced in home values. The main findings from the research carried out shows strong links between the value of homes and payment behaviors. Further supporting this case is the findings that were published from all the fifty states in the United States which clearly point out that a decline in home values together with high unemployment rates saw borrowers skip mortgage payments but still make payments on their credit cards. There is an example of Nevada, between the years 2006-2009, where the value of houses went down by 57%. Borrowers were seen to skip making mortgage payments while staying true to credit card payments. It’s clear that people would be more willing to default on mortgage payments because foreclosure is not really an immediate problem. it involves a long process which takes months if not years. Credit card payments on the other hand would be hard to miss, by doing so the reaction would be immediate. Banks should therefore continue to ease standards on mortgages to the payments of mortgages ahead of credit

Scholarships for African American Students Essay Example for Free

Scholarships for African American Students Essay Even if you do not have a college-aged child at home, please share this with someone who does, and to anyone and everyone that comes to mind. Though there are a number of companies and organizations that have donated money for scholarships to African Americans, a great deal of the money is being returned because of a lack of interest or awareness. Take the initiative to get your children involved. Money shouldnt be returned to donating companies because we fail to apply for it Please pass this information on to family members, nieces, nephews, friends with children etc. We must get the word out that money is available. If you are a college student or getting ready to become one, you probably already know how useful additional money can be. (If clicking on the link doesnt work, then type in the Web site address manually.) 1) BELL LABS FELLOWSHIPS FOR UNDER REPRESENTED MINORITIES http://www.bell- labs.com/ fellowships/ CRFP/info. html See more: how to write a scholarship essay for study abroad 2) Student Inventors Scholarships http://www.invent. org/collegiate http://www.invent. org/collegiate/ 3) Student Video Scholarships http://www.christop hers.org/ /vidcon2k.html 4) Coca-Cola Two Year College Scholarships http://www.coca- colascholars. org/programs. html 5) Holocaust Remembrance Scholarships http://holocaust. hklaw.com/ 6) Ayn Rand Essay Scholarships http:/ /www.aynrand. org/contests/ 7) Brand Essay Competition http://www.institut eforbrandleaders hip.org/IBLEssay Contest-2002Rule s.htm 8) Gates Millennlum=20 Scholarships (major) http://www.gmsp. org/nominationma terials/read. dbm?ID 9) Xerox Scholarships for Students http://www2. xerox.com/ go/xrx/about_ xerox/about_ xerox_detail. jsp 10) Sports Scholarships and Internships http://www.ncaa. org/about/ scholarships. html 11) National Assoc. of Black Journalists Scholarships (NABJ) http://www/..nabj.org/html/ studentsvcs. html 12) Saul T. Wilson Scholarships (Veterinary) http://www.aphis. usda.gov/ mb/mrphr/ jobs/stw. html 13) Thurgood Marshall Scholarship Fund http://www.thurgood marshallfund. org/sk_v6. cfm 14) FinAid: The Smart Students Guide to Financial Aid scholarships) http://www.finaid. org/ 15) Presidential Freedom Scholarships http://wwwnational service.org/ scholarships/ 16) Microsoft Scholarship Program http://www.microsof t.com/college/ scholarships/ minority. asp 17) WiredScholar Free Scholarship Search http://www.wiredsch olar.com/ paying/scholarsh ip_search/ pay_scholarship_ searc h.jsp 18) Hope Scholarships Lifetime Credits http://www.ed. gov/inits/ hope/ 19) William Randolph Hearst Endowed Scholarship for Minority Studentshttp://www.apsanet. org/PS/grants/ aspen3.cfm 20) Multiple List of Minority Scholarships http://gehon. ir.miami. edu/financial- assistance/ Scholarship/ black..html 21) Guaran teed Scholarships http://www.guarante ed-scholarships. com/ 22) BOEING scholarships (some HBCU connects)http://www.boeing. com/companyoffic es/educationrela tions/scholarshi ps 23) Easley National Scholarship Program http://www.naas. org/senior. .htm 24) Maryland Artists Scholarships http://wwwmaef. org/ 26) Jacki Tuckfield Memorial Graduate Business Scholarship (for AA students in South Florida )http://www.jackituc kfield.org/ 27) Historically Black College University Scholarships http://www.iesabroa d.org/info/ hbcu.htm 28) Actuarial Scholarships for Minority Studentshttp://www.beanactu ary.org/minority /scholarships. htm 29) International Students Scholarships Aid Help http://www.iefa. org/ 30) College Board Scholarship Searchhttp://cbweb10p. collegeboard. org/fundfinder/ html/fundfind01. html 31) Burger King Scholarship= 20 Program http://www.bkschola rs.csfa.org/ 32) Siemens Westinghouse Competition http://www.siemens- foundationorg/ 33) GE and LuLac Scholarship Funds http://www.lulac. org/Programs/ Scholar.html 34) CollegeNet s Scholarship Database http://mach25. collegenet. com/cgi-bin/ M25/index 35) Union Sponsored Scholarships and Aid http://www.. aflcioorg/ scholarships/ scholar.htm 36) Federal Scholarships Aid Gateways 25 Scholarship Gateways from Black Excelhttp://www.blackexc el.org/25scholar ships.htm 37) Scholarship Financial Aid Help http://www.blackexc elorg/fin- sch.htm 38) Scholarship Links (Ed Finance Group) http://www.efg. net/link_ scholarship. htm 39) FAFSA On The Web (Your Key Aid Form Info) http://www.fafsa. ed.gov/ 40) Aid Resources For Reentry Students http://www.back2col lege.com/ 41) Scholarships and Fellowships http://www.osc. cuny.edu/ sep/links. h tml 42) Scholarships for Study in Paralegal Studies http://www.paralega ls.org/Choice/ 2000west. htm 43) HBCU Packard Sit Abroad Scholarships (for study around the world)http://www.sit. edu/studyabroad/ packard_nominati on.html 44) Scholarship and Fellowship Opportunities http://ccmi. uchicago. .edu/schl1. html 45) INROADS internships http://www.inroads. org/ 46) ACT-SO bEURoeOlympics of the Mind A Scholarshipsttp://www.naacp. org/ work/actso/ act-so.shtml 47) Black Alliance for Educational Options Scholarshipsttp://www.baeo. org/ options/privatel yfinanced. jsp 48) ScienceNet Scholarship Listingttp://www.sciencenet. emory.edu/ undergrad/ scholarships html 49) Graduate Fellowships For Minorities Nationwidettp://cuinfo. cornell. edu/Student/ GRFN/list. phtml?category= MINORITIES 50) RHODES SCHOLARSHIPS AT OXFORD ttp://www.rhodesscholar. org /info.html 51) The Roothbert Scholarship Fund ttp://www.roothbertfund. org/scholExpanding your horizons Motivating young women in science and mathematics On January 29th from 8:00-1:00 pm the Central New Mexico Community College will be hosting an event to get girls in grades 5-9 excited about science For more information and to register for this free event by Jan. 14th: www.expandingyourhorizons.org/conferences/Albuquerque/ 505-750-8131 [emailprotected]

Significance Of Language In Animal Farm Philosophy Essay

Significance Of Language In Animal Farm Philosophy Essay The end of World War II, the detonation of the atomic bomb, and the start of the Cold War, all took place during 1945. However, what also took place that year was the publishing of George Orwells, Animal Farm. Through the use of animals, the novel mocks certain human traits and characteristics. It depicts mans greed and selfishness as part of human nature and how innocent bystanders are swept under and destroyed by these selfish, heartless people. Orwells transformation of the pigs into humans shocks the reader who eventually realizes the tremendous similarities that humans have with the pigs in the novel. A recurring theme in this novel is how language can be manipulated as an instrument of control. From the inspiring song, Beasts of England to the commandments and the changing of them by Napoleon, the main source of power throughout the novel is language and the use of rhetoric. Without the correct use of language and the power of words in Animal Farm, the rebellion never would hav e taken place and certainly the end result of Napoleons complete takeover would never have happened. Through Napoleons manipulative characteristics, the gullibility of the animals of the farm and the impressive rhetorical and propaganda skills of Squealer, reality is shaped by words. In the beginning of the novel, Napoleon shows no concern in what the animals do and leaves most of the leadership work and inspirational speeches to Snowball. Napoleon is described as, à ¢Ã¢â€š ¬Ã‚ ¦not much of a talker, but with a reputation for getting his own way, (Orwell, 25). This foreshadows Napoleons future behaviour because later on in the novel, he takes on more of a Stalin-like role in the farm. Unable to effectively speak in public, he uses Squealer to talk to the animals of the farm and get them under control. However, being unable to speak effectively in public doesnt hold him back from taking control. To maintain power, he uses many different types of propaganda techniques, one of which being, using Snowball as scapegoat. Napoleon blames the farms failures on Snowball who is no where to be found so he cannot deny or confirm any truth of what is said. For instance, when Boxer questions the loyalty of Snowball, Napoleon tells Squealer to announce that Snowball was Joness agent from the very beginning. (Orwell, chpt.6) Boxer, being the loyal and gullible animal he is, admits that if Comrade Napoleon says it, it must be right. (Orwell, chpt.6) Not only does Napoleon use Snowball as scapegoat, so that he can secure his position, he alters the seven commandments to legitimize what he does (drink alcohol, sleep in beds, deal with humans). At this point in the history of the farm, the pigs do not quite have enough power to do what they like and Squealer is forced to change the Commandments to fit new circumstances. Meaning, the pigs havent yet fully gained the trust of the animals of the farm and therefore need to alter the commandments secretively. The first alteration to the Commandments comes after the pigs move back into the farmhouse. As the pigs slowly adapted to the ways of humans, they started sleeping on beds. The ban on sleeping in beds was changed in Napoleons favour by the addition of the words with sheets. When Clover questions the sleeping in beds of the pigs, she finds that the fourth commandment says, No animal shall sleep in a bed with sheets. (Orwell, chpt.5) Clover doesnt quite remember the with sheets being there and eventually concludes that it must have been there, (Orwell, chpt.5) Due to Clovers faulty memory she wasnt able to recognize this alteration. From drinking alcohol to murder, and everything in between, Napoleon abused the seven commandments of Animalism and was never rebelled against, not once. This was due to all the animals of the farm being very gullible, to such an extent, that they didnt realize what was really going on. The gullibility of the animals played an important role in taking Napoleon to the top. He relies on the gullibility of the strongest animals, like Boxer the horse, and the apathy of the wisest, like Benjamin the donkey. When anyone questions Napoleons version of history, he has a herd of sheep chant loudly over their protests. In Chapter nine, we read of the tragic death of Boxer, the veteran of the Battle of the Cowshed and the Battle of the Windmill. Boxers motto had always been I will work harder, (Orwell, chpt.3) and it is precisely this over exertion in rebuilding the windmill which finally causes his death. One day he collapses and is taken away to the slaughterhouse where his body parts are com mercially exploited. When the animals question this tragic death, they are yet again fooled by Squealer. The animals were relieved to hear [that, he had received] admirable care [and] expensive medicine for which Napoleon had paid without a thought as to the cost, , (Orwell, chpt.8).They are told that Boxer was given the best of the best treatment, however, couldnt survive. The animals, being gullible, calmly agree with him and are told to work even harder since Boxer is not there to help anymore. In chapter 5, when the pigs were found sleeping in beds, Clover thought that there was surely a definite rule against sleeping in beds. Muriel, she said, read me the Fourth Commandment. Does it not say something about never sleeping in a bed? (Orwell, chpt.5) However, Squealer came along to explain that a bed is merely a place to sleep in. A pile of straw in a stall is a bed, properly regarded. The rule was against sheets, which are a human invention. We have removed the sheets from the fa rà ¢Ã¢â€š ¬Ã‚ ¦ (Orwell, chpt.5) Clover eventually agreed as she could not remember and because Squealer was thought as a friend, she accepted what he said and didnt argue any further. All that year the animals worked like slaves. (Orwell, 63) The animals thought that by obeying the pigs, they were preventing the farm from disbanding. Orwell is quite literally suggesting that even if a smart person or leader says something, it cannot be assumed to be true, as demonstrated by politicians. Propaganda only succeeds if people are gullible. Squealer, described as quite the tricky pig, takes advantage of the other animals ignorance and exploits it to an unimaginable level. Squealer has all the characteristics of a successful orator; he is charismatic, intelligent, emotional, persuasive, and even hypnotic. Above all, through the use of correct words and rhetoric, he is able to manipulate language in order to gain the confidence of the animals of the farm. Squealer, being the most powerful weapon which Napoleon possesses, uses his extraordinary skills to bring Napoleon to such a height of success. Squealer constantly puts particular spins on events and conditions and he uses slogans and such to help control the other animals. For instance, when the animals question the pigs getting all the apples and milk, he replies, You do not imagine, I hope, that we pigs are doing this in a spirit of selfishness and privilege? Many of us actually dislike milk and apples. I dislike them myself. Our sole object in taking these things is to preserve our health. Milk and apples (this has been proved by Science, comrades) contain substances absolutely necessary to the well-being of a pig. We pigs are brainworkers. The whole management and organization of this farm depend on us. Day and night we are watching over your welfare. It is for your sake that we drink that milk and eat those apples (Orwell, chpt.3). Squealer often uses comrades to give the animals a title, a position, which really makes them feel important, useful and in place. However, when it comes to them questioning the actions of the pigs, Squealer often threatens the animals that Mr. Jones will come back, Surely, comrades, surely there is no one among you who wants to see Jones come back? (Orwell, chpt.3) It continues to say how the animals certainly do not want Mr. Jones back. The importance of keeping the pigs in good health was all too obvious (Orwell, chpt.3) This comes to show how Squealer has the animals so deeply convinced, that they dont know what is actually happening. Also, Squealer often uses certain slogans that drum ideas into their head, rather than having them think about anything. Slogans such as, Tactics, comrades, tactics (Orwell, chpt.5) are used to get the interest of the animals and have them thinking about what they are doing wrong. This displays Squealers ability to use certain words and slogans to n ot only convince the animals, but have them happily agree with him. Although Squealer is a porker pig, he plays almost the main character in the novel. Without Squealers ability to persuade, Napoleon was to get nowhere. By giving Squealer such a role, Orwell is suggesting that one doesnt have to look intelligent to be intelligent, but, in fact, must know how to use their intelligence correctly, for good or for bad. The main source of power was from the correct use of rhetoric and language. Through Napoleons manipulative characteristics, the gullibility of the animals of the farm and the impressive rhetorical and propaganda skills of Squealer, reality was shaped by words. Animal farm discreetly gives out warning signs on life and what to expect of people. Using animals on a farm, Orwell tells about an unstable fight for power. Hidden warnings found in the book depend on the reader. Orwell mainly pushes the points of education as a necessity of life, there is no peace when striving for power, and words have a very large impact on the minds of others. Many things in life can be used as a warning but it is unfortunate that the warnings arent usually noticed until it is too late. None of the animals knew how much education meant, or how much the greed for power had taken over, or even that they were being lied to through the words of those very convincing pigs. By demonstrating how easily swayed the animals of the farm are by a powerful speech or strong words, Orwell is demonstrating the human vulnerability to carefully chosen words and our unfortunate ability to fall victim to the power of words without understanding the deeper meanings behind them. Work Cited Orwell, George. Animal Farm. New York: Harcourt, Brace Company.1946. Print. Orwell, George. George Orwell Animal Farm. George Orwell Complete Works, biography, Quotes, Essays. Web. 14 Jan. 2011. .

Analysis of Donahues Sister from Thom Gunn’s The Passages of Joy Essay

  Ã‚  Ã‚   Thom Gunn, an English poet who has spent most of his life living in the United States, is a member of what has come to be called the "Movement". Members of the Movement "rejected what seemed to them the Romantic excesses of the New Apocalypse (whose most prominent member was Dylan Thomas), and. . .were equally dissatisfied with the modernist revolution led by [Ezra] Pound and [T.S.] Eliot" (Ellmann and O’Clair 1335). Gunn has criticized modernists for "strengthen[ing] the images [in their poetry] while...banishing [the] concepts" (Qtd. in Ellmann and O’Clair 1335). Members of the Movement "sought greater concreteness and a less high-flown diction for poetry" (Ellmann and O’Clair 1335).   Ã‚  Ã‚   Thom Gunn is known for writing poems that are not only concrete, but that can also be thought of as quite risky. Gunn has never been a cautious poet (Ellmann and O’Clair 1335), instead choosing to deal with subjects that are very "real," and in some cases very controversial. Gunn confronts the issue of alcoholism and its effects, not only on the alcoholics, but also on those who care about them, in his poem "Donahue’s Sister," which was published in 1982 as part of a book of poems entitled The Passages of Joy.   Ã‚  Ã‚   "Donahue’s Sister" begins with the two characters, a man and a woman (presumably Donahue and his sister), encountering each other at the head of the stairs. The first two lines read, "She comes level with him at / the head of the stairs," and indicate a sense of competition and tension between the two people. Immediately, it is apparent that there is a power struggle going on between the man and the woman. At this point, the reader has not been told the source of the competition between the characters, but there is a sense ... ...poetry is not intellectual... rather, it explores concrete reality in a sensuous manner" (Parini 138). Gunn paints a colorful and all-too-believable picture of the effects of alcoholism. He does not attempt to pass judgment, though. He does not condemn the alcoholic, or glorify the man who tries to help her. He simply shows us an honest depiction of alcoholism, and allows us as readers to make our own moral judgments. Works Cited Ellmann, Richard and Robert O’Clair, eds.   The Norton Anthology of Modern Poetry.   2nd ed.   New York: W.W. Norton, 1988. Giles, Paul.   â€Å"Landscapes of repetition: the self-parodic nature of Thom Gunn’s later poetry.†Ã‚   Critical Quarterly 29.2 (1987): 85-99. Parini, Jay.   â€Å"Rule and Energy: The Poetry of Thom Gunn.†Ã‚   The Massachusetts Review 23 (1982): 134-151. Sanborn, Patricia F.   Existentialism.   New York: Pegasus, 1968.

Marriage – Argumentative Essay

Marriage is a social institution under which a man and woman establish their decision to live as husband and wife by legal commitment, religious ceremony, etc. This is the kind of marriage that we are all used to. Nowadays, in reality, there are some people who found love not to someone that are the opposite sex, but to those who are the same sex. A lot of people have been debating about the legality of gay marriage. From relating it to religion and its affect on the traditional family values, there are a lot factors that can make this into a controversy. Even though gay marriage is still an illegal action in the majority countries there are some factors that should be considered to make it become legal. Opponents of gay marriage claim that homosexuality is a sin in most religion. However, this statement violates the First Amendment of Constitution about the free exercise of religion on a person’s religious views must be protected. Which means that the government cannot make a law that is based on a certain religion rule. Additionally, the civil marriage and the religion marriage are a total different institution; therefore a law in the government that is based on a religion rule should not be made. Moreover, legalizing gay marriage also consistent with the Equal Right Amendment on the first text about the Equality of rights under the law shall not be denied or abridged by the United States or by any State on account of sex. Therefore the legalization of gay marriage will make an equal marriage for all in the eye of the government based on those two Amendments. The other arguments that the opponents mentioned is that the Institution of Marriage will get less respect and the definition will become unclear. They said that the purpose of marriage which is to pro-create, hence the marriage between a man and women is the possible one. However, when we see the divorce rate in America for the past decade, the number is stable at 50% for the first marriage. This gives the impression that even the straight marriages give less respect to the institution it self. Moreover, if we look into the simple, deeper of marriage it self, marriage is a constitution between two people that are brought together by love. So, love is the basic aspect in this Institution of Marriage. Therefore gay marriage won’t give less respect or make the definition become unclear because basically they already fulfill the ground aspect of marriage, which is love. The final argument from the opponents of gay marriage is that family contains a mother and father. However, this meaning of family has become biased since in reality there are a lot of other families that doesn’t have a mother and father but we can still call them a family. So basically the meaning of family has changed due to the different things that occur in the reality. For instance, single mother and single father families are a common thing nowadays, with this one parent cover the two different role of two parents. Therefore there is no exception for the gay couple if they want to extend their family. As long as they will provide their kids with love, support, shelter, and things that the kids will need. Additionally there are a lot of kids that have been waiting to have their own family, so adoption in gay marriage will help both the kids and the gay couple in creating their own family. In conclusion, gay marriage is just like any other marriage with a twist of the same sex between the couple. Therefore the legalization of gay marriage will make an equal marriage for all in the eye of the government based on those two Amendments. Additionally, gay marriage won’t give less respect or make the definition become unclear because basically they already fulfill the ground aspect of marriage, which is love. Moreover there is no exception for the gay couple if they want to extend their family. As long as they will provide their kids with love, support, shelter, and things that the kids will need because there are a lot of kids that have been waiting to have their own family, so adoption in gay marriage will help both the kids and the gay couple in creating their own family. Furthermore, in my opinion everyone deserve an equal right to marry someone they love because everyone deserves to be happy. SEKAR RINDANG FASHION MANAGEMENT 1401125124 REFERENCES Dictionary. com 5 December 2011 Messerli, Joe. â€Å"Should Same-Sex Marriages be Legalize? † balancedpolitics. org 19 November 2011. 5 December 2011 Tsivkin, Roman. â€Å"Marriage Laws In The USA. † livestrong. com 8 April 2010. 5 December 2011 Wikipedia. com 5 December 2011 Wikipedia. com 5 December 2011 divorceguide. com 5 December 2011

Analysis of Central Idea in Helena Maria Viramontes’ “The Moths” Essay

The short story â€Å"The Moths† by Helena Maria ViraMontes is the story of a Latina granddaughter reminiscing about her relationships between herself and family, most specifically with her grandmother, when the narrator was a teenage girl. The narrator speaks about the indifference she felt among her sisters because she feels she was not pretty enough and could not â€Å"do the girl things they could do† (ViraMontes 1118.) Furthermore she expresses that she is always in trouble and she is used to getting punished for her disruptiveness. She spends her time watching over her grandmother since her grandmother has always watched over her. Throughout the story, the grandmother progressively becomes more and more ill with cancer, while the grandaughter becomes more and more emotionally, and productively responsible. Finally the cancer kills the grandmother, and the granddaughter continues to take care of her, undressing her and washing her in the tub, as she holds her and rocks her back and forth. At this point, moths are released from the grandmother; the moths which the grandmother told the granddaughter â€Å"lay within the soul and slowly eat the spirit up† (ViraMontes 1121.) The granddaughter cries and sobs in the tub with her grandmother until her sadness transformed into relief. Later the granddaughter talks about the sun and how it cannot shine forever. It must disappear in order to reappear for the next day. She also notices that â€Å"endings are inevitable† (ViraMontes 1121) and it is necessary to be reborn. After the grandmother has passed, on the granddaughter who felt so distant from her mother, now longs to be with her, to establish a new relationship was born from the death of an old one. Therefore during emotionally challenging times, we must all be able to let our guard down, be vulnerable, and allow our emotions to own us in order to obtain peace in one’s life.