Crime and Poverty Essay Example | Topics and Well Written Essays - 1000 words

Shifting Identity of an International Student

Moving Identity of an International Student In the course of the most recent two decades the movement for concentrate by long haul transients developed from 40,000 in 1990s to 192,000 out of 2015 (Population Briefing International understudy relocation What do the measurements let us know? January 2016). This paper plans to look at the explanations for the understudies choice to move for advanced education, the difficulties and issues they may experience, just as how living far away from home, in an alternate nation, confronting an entirely different culture and new mindsets at last shapes their own character. Migration furnishes the worker with another beginning throughout everyday life and more development open doors than were beforehand accessible. The explanations for this choice are unpredictable, and vary from understudy to understudy, however what every one of them share practically speaking is the possibility of a more promising time to come, of more chances and the opportunity to a superior life than they would have in their nation of inception. As it rises up out of my meeting, the members choice to move to England was taken dependent on the way that the degree of training in colleges in England is higher than the one in her nation of cause, Egypt, offering a more extensive assorted variety of courses and more vocation alternatives and openings. Additionally, different components that meant this choice were the political issues in Egypt, the upheaval, and the way that her nation was not entirely stable at that point. In any case, aside from its advantages, there are numerous intricate difficulties related with movement, a large portion of them in regards to the digestion into life in the host nation. Vagrants, nearly by definition, move considering the future, however their excursions unavoidably include taking their past with them. Migration isn't just about evolving nations, yet additionally about moving characters, known as the marvel of mixture personality development. They build up their own way of life as they face clashing ethnic, individual and national character choices. They manage both host and birthplace social develops, negating desires, customs and standards during the procedure of individual character arrangement. This wonder can be seen in the respondents answers also. She relates to certain standards of the British culture, however she feels that she doesn't have a place here. She discovers British individuals excessively free and uncensored in their musings and activities and no w and again even hostile. There is additionally an extraordinary error between the manner by which ladies are dealt with. While in England young ladies are permitted to dress as they need, smoke, go to gatherings, or walk alone around evening time having a sense of security, and without being judge, in Egypt individuals have clear, exacting gauges with regards to young ladies garments and conduct, and if these are not regarded individuals would gaze and judge. In addition, she confronted a huge differentiation in regards to people groups strict convictions and practices, just as the degree of strictness. This influenced her life on numerous levels. Things thought about exceptionally terrible, or even sin in her way of life, are viewed as typical in England and the sky is the limit from there, individuals would think of her as abnormal and treat her diversely in the event that she would not partake in those exercises or carry on as they do. This is the reason she feels a consistent w eight from the repudiating desires individuals from the two nations she currently has a place with have from her. In this manner, vagrant understudies can for the most part experience estrangement of the way of life of beginning and the loss of significance concerning customary qualities and standards, or they may feel a rejection from the host dominant part society. The move in vagrant understudies characters and arrangement of a double personality can be seen also plainly in the development of their home kinships conversely with the new connections worked in the host nation. While they adjust to the new condition, their demeanor and perspectives definitely change thus, their home companions will begin confronting troubles in understanding their new thoughts and acts. Then, their new companions from the host nation will always be unable to completely grasp their unmistakable character, as they don't comprehend the worldwide understudies past, remembering the attitude and culture for which they were brought up. This is additionally bolstered by the determined finding in the exploration on worldwide training that for some global understudies, a significant dissatisfaction is their inability to build up important neighborhood fellowships. In this manner, the vagrants begin creating sentiments of distance and disconnection in light of the fact that neither one of the friends can identify with them totally. As my interviewee conceded, she can't be altogether legit with both of her companions in light of the fact that there are things just the ones from here would comprehend, and different things just the ones from Egypt would. Nonetheless, the urgent trademark, characterizing individuals with half and half personalities is the reality, that house is neither spoken to by their nation of inception, nor by their host nation. The vagrant rather feels partnered to the two spots, with the two societies, marvel called by sociologists bilocalism. The universal understudies create familial affiliations, connections, social and material roots in two nations; they recognize themselves with two spot simultaneously. The German-Turkish artist Zehra Çã„â ±rak delineates this reality by utilizing the representation of an extension: the two parts of the bargains two unique societies. Individuals introducing half breed personalities stroll on this scaffold unreservedly, starting with one culture then onto the next. At certain purposes of life one culture may be predominant, later on the other one. By and by, fundamental for mixture characters is the changeless nearness of the two societies, regardless of to which de gree. This thought is additionally upheld by Glick Schiller and her associates, who contend that these days vagrants lives cut across national limits and bring two social orders into a solitary social field. As my respondent conceded, she regularly faces conflicting emotions with respect to her movement in England. On the one side, she misses home and everything that is identified with it, feeling that she doesn't generally have a place in UK, however on the opposite side, there are things in her host nation that she got appended to, that make her glad and without which she would not envision her life now. Numerous worldwide understudies may confront troubles in pleasing to the new condition and all the more significantly in attempting to be scholastically effective in this new condition. Nonetheless, examines have demonstrated that they are obviously better propelled, engaged and progressively mindful of the advantages of advanced education since they know the penances they needed to make so as to get where they are and the battles they looked in adjusting in the host nation, so they acknowledge more what they have and attempt to provide their best so as to put forth these attempts justified, despite all the trouble. These discoveries are steady with my meeting research. The respondent announced that she regularly feels unaccomplished and forced to try sincerely and be steady until she accomplishes what she needs since she needed to desert everything so as to come here, and doesn't need these penances to be futile. Be that as it may, here and there she isn't as persuaded to study and work as she typically seems to be, or as she might suspect she ought to be on the grounds that she feels separated, alone, away from home and family, further building up a feeling of remorse during these minutes. In addition, transients can for the most part experience distance of the way of life of starting point and the loss of significance concerning customary qualities and standards, or they may feel an avoidance from the host greater part society. From my interviewees experience, she thinks about that as a rule British individuals are colder and progressively keen on remaining together, than becoming acquainted with the universal understudies. In addition, she doesn't generally like the life here as she thinks about that moving to UK doesn't enable her to achieve what she truly needs. She feels forced by her character to become familiar with her way of life and not having the option to do as such here irritates her. She was unable to state on the off chance that she would adjust her perspective to come to England on the off chance that she could return in time. What satisfies her here is the thing that she contemplates and the fellowships she has fabricated up until now and she knows abo ut the way that she would not have the option to proceed with her investigations elsewhere, or desert her companions.

How to Raise Your Credit Score by 100 Points

How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 PointsThe two most important parts of your score are your payment history and your amounts owed, so those are great places to start.For folks with bad credit, improving that score is step number one on their journey to financial fitness. Otherwise, when times get tough and they need to borrow money, they’re going to be stuck taking out predatory no credit check loans and short-term bad credit loans like payday loans, cash advances, and title loans to make ends meet (which probably wont end well).Raising your score means being able to secure lower interest rates and better financial products. Even if your score is just okay, taking that score from “good” to “great” could be the key to unlocking your financial future. If you want to raise your credit score by 100 points or more, here’s what you should do. Check your credit report.Your credit score is based on the information contained in your credit report. These are documents that cata log your history as a borrower, and they are compiled by the three major credit bureaus: Experian, TransUnion, and Equifax.As such, the best place to start when fixing your credit score is with your credit report. Not only will it give you an idea of what areas you need to fix, but it might even contain mistakes that are artificially lowering your score.“Carefully check your credit report and make sure there are no errors. If there are, dispute them,” said  OverdraftApps.com (@overdraftapps) co-founder Uri Abramson, adding that you can get a free copy of your report once a year by visiting AnnualCreditReport.com.And since you can request one free report from each credit bureau, that means you can get as many as three free credit reports annually!“The credit bureaus process untold trillions in payments and accounts, and they make mistakes all the time,” said Brian Davis, co-founder of  SparkRental.com (@SparkRental). “It’s your responsibility and your responsibility alone to make sure your credit report is accurate, and that you don’t have errors hurting your credit score.”To learn more about disputing errors on your report, check out our blog post:  How Do You Contest Errors On Your Credit Report?Start building your payment history.There are five different categories of information from your credit reports that make up your credit score. The most important category is your payment history, which makes up 35 percent of your score. When fixing your credit score, paying your bills on time is going to be key.“Pay all accounts on time every single month,” said Davis. “Even if you can only make the minimum payment, make sure it’s on time because late payments mar your credit score.”“Credit cards must be paid before anything else, like utility bills, (although not before the mortgage),” advised Abramson. “Wait for 30 days and your delinquency may be reported by your credit card issuers.”They aren’t kidding; even one late payment th at’s reported to the credit bureaus could dramatically lower your score. If you know you’re going to be late, call the company in question to see what can be done.You can also take a look at your bill schedules to see if a certain cluster of due dates is causing financial strain. If you call your lenders or utility companies, the odds are pretty good that you can have those due dates changed to ease the pressure.But what if you don’t have any loans or credit cards? How do you start building your payment history then? Don’t worry. There’s a solution.“If youre new to credit or have weak or poor credit, become an authorized user on someones credit card,” advised  Debt Assassin  RJ Mansfield (@DebtAssassin1). “As an AU you are never responsible for payments, but it will be reported on your credit report and help your score.”And if you can’t become an authorized user, try taking out a secured credit card to start building a better payment history. Above all else, a go od credit score begins with paying your bills on time. There’s no way around it!Keep your credit utilization low.The second most important part of your credit score is your amounts owed, which makes up 30 percent of your total score. If you have too much outstanding debt on loans and credit cards, your score is going to drop. Likewise, reducing that debt load will help improve it!However, there one specific aspect of your amounts owed that you should keep an eye on, as it can have a huge effect on your score: And that’s your credit utilization ratio, which affects any debt like credit cards where you can borrow up to a certain credit limit.“One of the metrics that determine your credit score is the ratio of credit used to credit available. Keeping all your balances below 30 percent of the limit keeps your score higher,” said Davis.This goes beyond paying off your credit card balances every month. To make sure you don’t get caught flat-footed by the start of the billing cyc le, you should try and keep your balances below thirty percent at all times.“Try to pay your credit card bill BEFORE your statement is cut rather than by the due date,” said Abramson. “Most credit card issuers report your balances to credit bureaus around the time your statement closes.”And in terms of maintaining lower balances, Abramson went even further. “Try to keep your utilization ratio (the ratio of your debt to your line of credit) below 10 percent for each of your credit cards,” he said. “Thats an aggressive goal, but your utilization ratio is the second most important component of the FICO score.”Lets be clear: 30 percent isnt some kind of magic threshold; dropping underneath it wont magically fix your score. It’s a good place to start, but you should be getting your balances as low as possibleâ€"on the way to paying them off entirely.In order to bust some myths surrounding the 30 percent line, Mansfield conducted a personal experiment using his own credi t cards. Here’s what he found:“Popular advice from ‘so-called’ credit experts is that its fine to carry up to thirty percent of your available credit lines. It is not. I did it. I carried twenty-nine percent to test the theory and my score dropped from 811 to 730, a drop of 81 points. Only carry a balance if you cant pay it in full to maximize your score.”Keep those old cards open.Paying down your debts is goodâ€"and be good we mean “pretty necessary to maintaining a good credit scoreâ€"but there are other actions you can take to make sure that your credit utilization remains as low as possible.Remember, there are two sides to your credit utilization ratio: The balances owed, and the total available credit. So while you pay down your balances, why not make sure that your total available credit remains as high as possible?“Avoid closing down a credit card even if you dont need it anymore (unless it has an annual fee).” said Abramson. “When you close a credit card, y our available line of credit shrinks, which can negatively impact your utilization ratio.”And that’s not the only reason you should keep those old cards open. “Credit bureaus look at the average age of your accounts, said Davis. “The older, the better.”Be patient.This is the hardest part of building your credit score. But if you’re really serious about the project, it’s something you can’t avoid.“Time is the best credit-builder,” said Abramson. “If you handle your credit responsibly and avoid any derogatory remarks on your credit file, you will easily increase your score by a large margin within a year.”These changes aren’t going to happen overnight. In order to fix your credit scoreâ€"whether you want to raise it by 50 points, 100 points, or 150â€"you’re going to need to be patient. Just remember: The reward waiting for you on the other end will be worth it!Here’s a story from someone who did it.Before you set out on your own financial journey to impro ve your credit score, we figured you might like to hear a real-life story from someone who pulled it off. In his own words, here’s how Brandon Ballweg, founder and editor of the photography and tech website  ComposeClick (@ComposeClick), managed to increase his credit score over 100 points over the past two years:“I verified any collections that were showing on my credit report. I had several. One was reporting incorrectly, which was removed when brought to the creditors attention. The others I paid off, a couple of which I was able to get a pay for deletion agreement. I just did this over the phone with the collection agenciesâ€"theres no reason to send them letters or try to get anything in writing.“I started with a secured card and opened up a few regular credit cards and have paid them all off when the statement comes. I keep at least a small balance for most of my cards before the statement to show utilization. I keep my overall utilization under 20 percent, usually lower .“I still have a ways to go because there are some missed payments showing on my credit report from a student loan provider. I hope to get these removed by communicating with the provider and pointing out the fact that I havent missed a payment in over a year and a half.“Thats it. I dont think anyone should be using expensive credit repair services that only do things that you would be able to do more effectively yourself. Its all about getting as many negative marks removed from your credit reports and showing consistent responsible credit use.”To learn more about how you can improve your credit score and your long-term financial outlook, check out these other posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsUri Abramson is the co-founder of the growing personal finance blog OverdraftApps.com (@overdraftapps), which specializes in transparent and honest reviews of financial products for low-medium credit score population and debt resolution advice.Brandon Ballweg is a photographer and entrepreneur. He is the founder of  ComposeClick (@ComposeClick), an educational site for photographers that provides information on the technical aspects of photography and how to succeed in the photography business.G. Brian Davis is a landlord, personal finance writer, and co-founder of  SparkRental.com (@SparkRental), which provides free video courses and rental investing tools for landlords. He spends most of the year overseas, splitting his time between Abu Dhabi, Europe, and his hometown of Baltimore.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit. How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 PointsThe two most important parts of your score are your payment history and your amounts owed, so those are great places to start.For folks with bad credit, improving that score is step number one on their journey to financial fitness. Otherwise, when times get tough and they need to borrow money, they’re going to be stuck taking out predatory no credit check loans and short-term bad credit loans like payday loans, cash advances, and title loans to make ends meet (which probably wont end well).Raising your score means being able to secure lower interest rates and better financial products. Even if your score is just okay, taking that score from “good” to “great” could be the key to unlocking your financial future. If you want to raise your credit score by 100 points or more, here’s what you should do. Check your credit report.Your credit score is based on the information contained in your credit report. These are documents that cata log your history as a borrower, and they are compiled by the three major credit bureaus: Experian, TransUnion, and Equifax.As such, the best place to start when fixing your credit score is with your credit report. Not only will it give you an idea of what areas you need to fix, but it might even contain mistakes that are artificially lowering your score.“Carefully check your credit report and make sure there are no errors. If there are, dispute them,” said  OverdraftApps.com (@overdraftapps) co-founder Uri Abramson, adding that you can get a free copy of your report once a year by visiting AnnualCreditReport.com.And since you can request one free report from each credit bureau, that means you can get as many as three free credit reports annually!“The credit bureaus process untold trillions in payments and accounts, and they make mistakes all the time,” said Brian Davis, co-founder of  SparkRental.com (@SparkRental). “It’s your responsibility and your responsibility alone to make sure your credit report is accurate, and that you don’t have errors hurting your credit score.”To learn more about disputing errors on your report, check out our blog post:  How Do You Contest Errors On Your Credit Report?Start building your payment history.There are five different categories of information from your credit reports that make up your credit score. The most important category is your payment history, which makes up 35 percent of your score. When fixing your credit score, paying your bills on time is going to be key.“Pay all accounts on time every single month,” said Davis. “Even if you can only make the minimum payment, make sure it’s on time because late payments mar your credit score.”“Credit cards must be paid before anything else, like utility bills, (although not before the mortgage),” advised Abramson. “Wait for 30 days and your delinquency may be reported by your credit card issuers.”They aren’t kidding; even one late payment th at’s reported to the credit bureaus could dramatically lower your score. If you know you’re going to be late, call the company in question to see what can be done.You can also take a look at your bill schedules to see if a certain cluster of due dates is causing financial strain. If you call your lenders or utility companies, the odds are pretty good that you can have those due dates changed to ease the pressure.But what if you don’t have any loans or credit cards? How do you start building your payment history then? Don’t worry. There’s a solution.“If youre new to credit or have weak or poor credit, become an authorized user on someones credit card,” advised  Debt Assassin  RJ Mansfield (@DebtAssassin1). “As an AU you are never responsible for payments, but it will be reported on your credit report and help your score.”And if you can’t become an authorized user, try taking out a secured credit card to start building a better payment history. Above all else, a go od credit score begins with paying your bills on time. There’s no way around it!Keep your credit utilization low.The second most important part of your credit score is your amounts owed, which makes up 30 percent of your total score. If you have too much outstanding debt on loans and credit cards, your score is going to drop. Likewise, reducing that debt load will help improve it!However, there one specific aspect of your amounts owed that you should keep an eye on, as it can have a huge effect on your score: And that’s your credit utilization ratio, which affects any debt like credit cards where you can borrow up to a certain credit limit.“One of the metrics that determine your credit score is the ratio of credit used to credit available. Keeping all your balances below 30 percent of the limit keeps your score higher,” said Davis.This goes beyond paying off your credit card balances every month. To make sure you don’t get caught flat-footed by the start of the billing cyc le, you should try and keep your balances below thirty percent at all times.“Try to pay your credit card bill BEFORE your statement is cut rather than by the due date,” said Abramson. “Most credit card issuers report your balances to credit bureaus around the time your statement closes.”And in terms of maintaining lower balances, Abramson went even further. “Try to keep your utilization ratio (the ratio of your debt to your line of credit) below 10 percent for each of your credit cards,” he said. “Thats an aggressive goal, but your utilization ratio is the second most important component of the FICO score.”Lets be clear: 30 percent isnt some kind of magic threshold; dropping underneath it wont magically fix your score. It’s a good place to start, but you should be getting your balances as low as possibleâ€"on the way to paying them off entirely.In order to bust some myths surrounding the 30 percent line, Mansfield conducted a personal experiment using his own credi t cards. Here’s what he found:“Popular advice from ‘so-called’ credit experts is that its fine to carry up to thirty percent of your available credit lines. It is not. I did it. I carried twenty-nine percent to test the theory and my score dropped from 811 to 730, a drop of 81 points. Only carry a balance if you cant pay it in full to maximize your score.”Keep those old cards open.Paying down your debts is goodâ€"and be good we mean “pretty necessary to maintaining a good credit scoreâ€"but there are other actions you can take to make sure that your credit utilization remains as low as possible.Remember, there are two sides to your credit utilization ratio: The balances owed, and the total available credit. So while you pay down your balances, why not make sure that your total available credit remains as high as possible?“Avoid closing down a credit card even if you dont need it anymore (unless it has an annual fee).” said Abramson. “When you close a credit card, y our available line of credit shrinks, which can negatively impact your utilization ratio.”And that’s not the only reason you should keep those old cards open. “Credit bureaus look at the average age of your accounts, said Davis. “The older, the better.”Be patient.This is the hardest part of building your credit score. But if you’re really serious about the project, it’s something you can’t avoid.“Time is the best credit-builder,” said Abramson. “If you handle your credit responsibly and avoid any derogatory remarks on your credit file, you will easily increase your score by a large margin within a year.”These changes aren’t going to happen overnight. In order to fix your credit scoreâ€"whether you want to raise it by 50 points, 100 points, or 150â€"you’re going to need to be patient. Just remember: The reward waiting for you on the other end will be worth it!Here’s a story from someone who did it.Before you set out on your own financial journey to impro ve your credit score, we figured you might like to hear a real-life story from someone who pulled it off. In his own words, here’s how Brandon Ballweg, founder and editor of the photography and tech website  ComposeClick (@ComposeClick), managed to increase his credit score over 100 points over the past two years:“I verified any collections that were showing on my credit report. I had several. One was reporting incorrectly, which was removed when brought to the creditors attention. The others I paid off, a couple of which I was able to get a pay for deletion agreement. I just did this over the phone with the collection agenciesâ€"theres no reason to send them letters or try to get anything in writing.“I started with a secured card and opened up a few regular credit cards and have paid them all off when the statement comes. I keep at least a small balance for most of my cards before the statement to show utilization. I keep my overall utilization under 20 percent, usually lower .“I still have a ways to go because there are some missed payments showing on my credit report from a student loan provider. I hope to get these removed by communicating with the provider and pointing out the fact that I havent missed a payment in over a year and a half.“Thats it. I dont think anyone should be using expensive credit repair services that only do things that you would be able to do more effectively yourself. Its all about getting as many negative marks removed from your credit reports and showing consistent responsible credit use.”To learn more about how you can improve your credit score and your long-term financial outlook, check out these other posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsUri Abramson is the co-founder of the growing personal finance blog OverdraftApps.com (@overdraftapps), which specializes in transparent and honest reviews of financial products for low-medium credit score population and debt resolution advice.Brandon Ballweg is a photographer and entrepreneur. He is the founder of  ComposeClick (@ComposeClick), an educational site for photographers that provides information on the technical aspects of photography and how to succeed in the photography business.G. Brian Davis is a landlord, personal finance writer, and co-founder of  SparkRental.com (@SparkRental), which provides free video courses and rental investing tools for landlords. He spends most of the year overseas, splitting his time between Abu Dhabi, Europe, and his hometown of Baltimore.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit. How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 Points How to Raise Your Credit Score by 100 PointsThe two most important parts of your score are your payment history and your amounts owed, so those are great places to start.For folks with bad credit, improving that score is step number one on their journey to financial fitness. Otherwise, when times get tough and they need to borrow money, they’re going to be stuck taking out predatory no credit check loans and short-term bad credit loans like payday loans, cash advances, and title loans to make ends meet (which probably wont end well).Raising your score means being able to secure lower interest rates and better financial products. Even if your score is just okay, taking that score from “good” to “great” could be the key to unlocking your financial future. If you want to raise your credit score by 100 points or more, here’s what you should do. Check your credit report.Your credit score is based on the information contained in your credit report. These are documents that cata log your history as a borrower, and they are compiled by the three major credit bureaus: Experian, TransUnion, and Equifax.As such, the best place to start when fixing your credit score is with your credit report. Not only will it give you an idea of what areas you need to fix, but it might even contain mistakes that are artificially lowering your score.“Carefully check your credit report and make sure there are no errors. If there are, dispute them,” said  OverdraftApps.com (@overdraftapps) co-founder Uri Abramson, adding that you can get a free copy of your report once a year by visiting AnnualCreditReport.com.And since you can request one free report from each credit bureau, that means you can get as many as three free credit reports annually!“The credit bureaus process untold trillions in payments and accounts, and they make mistakes all the time,” said Brian Davis, co-founder of  SparkRental.com (@SparkRental). “It’s your responsibility and your responsibility alone to make sure your credit report is accurate, and that you don’t have errors hurting your credit score.”To learn more about disputing errors on your report, check out our blog post:  How Do You Contest Errors On Your Credit Report?Start building your payment history.There are five different categories of information from your credit reports that make up your credit score. The most important category is your payment history, which makes up 35 percent of your score. When fixing your credit score, paying your bills on time is going to be key.“Pay all accounts on time every single month,” said Davis. “Even if you can only make the minimum payment, make sure it’s on time because late payments mar your credit score.”“Credit cards must be paid before anything else, like utility bills, (although not before the mortgage),” advised Abramson. “Wait for 30 days and your delinquency may be reported by your credit card issuers.”They aren’t kidding; even one late payment th at’s reported to the credit bureaus could dramatically lower your score. If you know you’re going to be late, call the company in question to see what can be done.You can also take a look at your bill schedules to see if a certain cluster of due dates is causing financial strain. If you call your lenders or utility companies, the odds are pretty good that you can have those due dates changed to ease the pressure.But what if you don’t have any loans or credit cards? How do you start building your payment history then? Don’t worry. There’s a solution.“If youre new to credit or have weak or poor credit, become an authorized user on someones credit card,” advised  Debt Assassin  RJ Mansfield (@DebtAssassin1). “As an AU you are never responsible for payments, but it will be reported on your credit report and help your score.”And if you can’t become an authorized user, try taking out a secured credit card to start building a better payment history. Above all else, a go od credit score begins with paying your bills on time. There’s no way around it!Keep your credit utilization low.The second most important part of your credit score is your amounts owed, which makes up 30 percent of your total score. If you have too much outstanding debt on loans and credit cards, your score is going to drop. Likewise, reducing that debt load will help improve it!However, there one specific aspect of your amounts owed that you should keep an eye on, as it can have a huge effect on your score: And that’s your credit utilization ratio, which affects any debt like credit cards where you can borrow up to a certain credit limit.“One of the metrics that determine your credit score is the ratio of credit used to credit available. Keeping all your balances below 30 percent of the limit keeps your score higher,” said Davis.This goes beyond paying off your credit card balances every month. To make sure you don’t get caught flat-footed by the start of the billing cyc le, you should try and keep your balances below thirty percent at all times.“Try to pay your credit card bill BEFORE your statement is cut rather than by the due date,” said Abramson. “Most credit card issuers report your balances to credit bureaus around the time your statement closes.”And in terms of maintaining lower balances, Abramson went even further. “Try to keep your utilization ratio (the ratio of your debt to your line of credit) below 10 percent for each of your credit cards,” he said. “Thats an aggressive goal, but your utilization ratio is the second most important component of the FICO score.”Lets be clear: 30 percent isnt some kind of magic threshold; dropping underneath it wont magically fix your score. It’s a good place to start, but you should be getting your balances as low as possibleâ€"on the way to paying them off entirely.In order to bust some myths surrounding the 30 percent line, Mansfield conducted a personal experiment using his own credi t cards. Here’s what he found:“Popular advice from ‘so-called’ credit experts is that its fine to carry up to thirty percent of your available credit lines. It is not. I did it. I carried twenty-nine percent to test the theory and my score dropped from 811 to 730, a drop of 81 points. Only carry a balance if you cant pay it in full to maximize your score.”Keep those old cards open.Paying down your debts is goodâ€"and be good we mean “pretty necessary to maintaining a good credit scoreâ€"but there are other actions you can take to make sure that your credit utilization remains as low as possible.Remember, there are two sides to your credit utilization ratio: The balances owed, and the total available credit. So while you pay down your balances, why not make sure that your total available credit remains as high as possible?“Avoid closing down a credit card even if you dont need it anymore (unless it has an annual fee).” said Abramson. “When you close a credit card, y our available line of credit shrinks, which can negatively impact your utilization ratio.”And that’s not the only reason you should keep those old cards open. “Credit bureaus look at the average age of your accounts, said Davis. “The older, the better.”Be patient.This is the hardest part of building your credit score. But if you’re really serious about the project, it’s something you can’t avoid.“Time is the best credit-builder,” said Abramson. “If you handle your credit responsibly and avoid any derogatory remarks on your credit file, you will easily increase your score by a large margin within a year.”These changes aren’t going to happen overnight. In order to fix your credit scoreâ€"whether you want to raise it by 50 points, 100 points, or 150â€"you’re going to need to be patient. Just remember: The reward waiting for you on the other end will be worth it!Here’s a story from someone who did it.Before you set out on your own financial journey to impro ve your credit score, we figured you might like to hear a real-life story from someone who pulled it off. In his own words, here’s how Brandon Ballweg, founder and editor of the photography and tech website  ComposeClick (@ComposeClick), managed to increase his credit score over 100 points over the past two years:“I verified any collections that were showing on my credit report. I had several. One was reporting incorrectly, which was removed when brought to the creditors attention. The others I paid off, a couple of which I was able to get a pay for deletion agreement. I just did this over the phone with the collection agenciesâ€"theres no reason to send them letters or try to get anything in writing.“I started with a secured card and opened up a few regular credit cards and have paid them all off when the statement comes. I keep at least a small balance for most of my cards before the statement to show utilization. I keep my overall utilization under 20 percent, usually lower .“I still have a ways to go because there are some missed payments showing on my credit report from a student loan provider. I hope to get these removed by communicating with the provider and pointing out the fact that I havent missed a payment in over a year and a half.“Thats it. I dont think anyone should be using expensive credit repair services that only do things that you would be able to do more effectively yourself. Its all about getting as many negative marks removed from your credit reports and showing consistent responsible credit use.”To learn more about how you can improve your credit score and your long-term financial outlook, check out these other posts and articles from OppLoans:Building Your Financial Life: Budgeting for BeginnersNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsUri Abramson is the co-founder of the growing personal finance blog OverdraftApps.com (@overdraftapps), which specializes in transparent and honest reviews of financial products for low-medium credit score population and debt resolution advice.Brandon Ballweg is a photographer and entrepreneur. He is the founder of  ComposeClick (@ComposeClick), an educational site for photographers that provides information on the technical aspects of photography and how to succeed in the photography business.G. Brian Davis is a landlord, personal finance writer, and co-founder of  SparkRental.com (@SparkRental), which provides free video courses and rental investing tools for landlords. He spends most of the year overseas, splitting his time between Abu Dhabi, Europe, and his hometown of Baltimore.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit.

The Importance of West Side Story Essay - 980 Words

West Side Story is one of the great contributors to musical theatre, in particular Broadway where it originally opened on September 26 1957 at the Winter garden Theatre. The production ran for 732 performances before entering the world of film in 1961. However, I believe its significance lies in the heart of the theatre where the audience is subjected to different styles of music, dance and of course an adaptation of Shakespeares Romeo and Juliet. In fact, Leonard Bernstein first decided to call his play East Side Story but opted against it, due to social relevancy. Instead the story would take place on the West side of New York; Brooklyn, under a realistic urban setting, hence West Side Story. This decision may have improved the way†¦show more content†¦In my opinion, this story cold not be portrayed under typical musical direction. Although West Side Story is based predominantly upon love, there are also acts of bigotry, attempted rape and murder. Previous musicals such as Cole Porters Kiss Me Kate and Roger Hammersteins Oklahoma! used many up-tempo songs to uplift audiences and leave them feeling cheerful. W.S.S offers a more realistic approach demonstrating the problems all over the world. One noticeable element of the production is the unpredictability of the story. Both Acts end with the death of strong personalities (Riff and Bernado in The Rumble, and Tony in The Finale). This was almost certainly against audience anticipation during the late fifties and even today. It is not only the story, but also the music and dance which offer surprise. Whereas many musicals were creating songs in straight 4/4, 2/4 time, West Side Story introduced time signatures which new to any form of modern entertainment e.g. 6/4 in the Tonight Ensemble and 12/8 for the Dance in the Gym. Coincidentally the latter incorporated so many different styles of music with a jazz number for the dance sequence, a pomp and circumstance for the promenade and a Latin jive for the Mambo. The Mambo is a typical example of the use of ostinatos e.g. Bar 71-78 where the Contrabass plays across the beat accompanied by someShow MoreRelatedThe period between early 1940s to mid-1960s or so, alternatively, the p eriod between when the700 Words   |  3 Pagespaper, I choose to elaborate more on the musical – Arthur Laurents’s West Side Story. In the first part of this paper, I discuss the plot, songs and other aspects of the musical such as the awards etc. Later on, I explain how this musical revolutionized the theatre and the cultural effects it had on Americans. Finally, I conclude in the end the historical importance of this musical piece. West Side Story: The musical West Side Story is based on Shakespeare’s Romeo and Juliet. This musical was possibleRead MoreDancers At West Side Dance Studio1524 Words   |  7 PagesWest Side Dance Studio is a dance studio in Pembroke Pines, Florida. I used to dance in that studio for four years. Out of the four years, the most important concept I learned is that dancers do not use their words to express emotion, they use their body. The teachers at West Side Dance Studio always express how important it is to tell a story with our bodies. That is why we dance, to express emotion and tell a story to our audience when performing and even in class. Dancers at West Side Dance StudioRead MoreWest Side Story : Race Discrimination1594 Words   |  7 PagesWest Side Story: Race Discrimination Introduction West Side Story, based on the book by Arthur Laurent, is a musical about a modern Romeo and Juliet involved in New York street gangs in the 1950’s. Aside from the movie portraying a love that was forbidden between the Sharks, a Puerto Rican gang and the Jets, an Anglo-Americans gang; it also represents the discrimination, violence and economic exploitation Puerto Ricans faced when migrating to New York in the 1950’s. When West Side Story cameRead MorePick Two or Three Settings from the Great Gatsby and Explain Their Significance to the Novel.817 Words   |  4 Pagesbeing important as it helps the reader understand the story better. The settings in The Great Gatsby are specifically very significant as it superbly fits with the storyline. The story is set in the early 1920s in New york because it focuses on the society of that time and is particularly focused on the factors such as prohibition of alcohol, the glamour of new york and also the way that Tom, Nick Gatsby and daisy all escape from the mid west, a small minded town, and become successful living theRead More What aspects of Charlotte Brontes Essay876 Words   |  4 Pagescriticism. Rhys demonstrates how both social and narrative conventions mandate that certain categories of women must be devalued if other categories of women are to assume importance. She does this by exposing to the reader how Charlotte Bronte in Jane Eyre, in order for her reader to give Jane an assumed importance, devalued by the Creole character Bertha; showing her to be made and giving us Jane’s description of her as â€Å"[she] seemed†¦a woman†¦ [she] reminded me†¦ [of] the foul German SpectreRead MoreTheatre As A Cultural Expression For Societys Theatrical Tradition1390 Words   |  6 Pagesthoughtful and sharp commentary on interaction between cultures? (Berson, 2011, pg. 155). The answer to the question is West Side Story, the musical about love and life in-between Puerto Rican and American cultures. West Side Story is just one example of a musical or play that has explored deep questions of how cultures communicate, or do not. Set in the 1950s, West Side Story tells the story of two lovers caught in-between their rival gangs: one an American gang, the other a Puerto Rican gang. Through songRead MoreThe Prime Minister Of Canada1189 Words   |  5 Pagesreleased in 1967, giving recommendations to the federal government on steps to be taken for equality across ethnicities. The primary recommendation was for the implantation of a policy for official bilingualism, making both English and French of equal importance in Canada (Language rights and judicial wrongs: O fficial bilingualism jurisprudence in Canada’s provincial courts. Pg 11). The report also recommended that bilingualism be increased in all of the provinces. Once Pierre Trudeau gained office oneRead More West Side Story Essay1120 Words   |  5 PagesWest Side Story 1. Point out how the general setting of the play is established. Give at least two examples. The play West Side Story takes place in a suburb on the West Side of New York City. We can conclude that we are talking about a socially disadvantaged suburb as the surrounding area is described with high brick walls, not very attractive and by the presence of the two gangs – the Jets and the Sharks. We are also able to say in which time period the actions take place. As anRead More Inevitability of Change in Stephen Cranes The Bride Comes to Yellow Sky1056 Words   |  5 PagesStephen Crane considers this apparent truism as well as its sometimes unfortunate consequences. In the story, Scratchy Wilson and Jack Potter face a dramatically changing society. Although their actions and emotions concerning the changes in their town differ, Scratchy and Potter are both very fearful of the inescapable easternizing influences. Through Scratchy and Potters embracing of the Old West, their responses to the East, and their optimism, Stephen Crane illustrates that whether attachment orRead MoreAnalysis of The Decline of the West1095 Words   |  5 Pageseven capitalism itself, comes with a price. Mike, a hardworking father of two, and the main character of Hanif Kureishi’s short story â€Å"The Decline of the West† from 2010, is an example of one who suddenly finds himself in a very precautious situation when he loses his job after both he and his family have been used to his rather substantial pay. In The Decline of the West, Hanif Kureishi employs a limited third-person narrator, which is bound to the main character, Mike. As a result of this choice

On The Road By Langston Hughes - 1679 Words

In Langston Hughes’ short story â€Å"On the Road†, Sargent, desperate for food and shelter, challenges social barriers and racial discrimination during his fight for freedom. Sargent is an unemployed black man during the great depression who faces additional obstacles because of his skin color. While this period was almost fifty years after the end of the Civil War and the subsequent emancipation of slaves in the United States, racism was still prevalent across the country. In the South, despite the decline of organizations like â€Å"the Klu Klux Klan [,] †¦ racism was as strong as ever† (UVA). Furthermore, â€Å"the increased presence of Black Americans in Northern cities†¦increased tension† in the North as well. With widespread racism, Black Americans†¦show more content†¦He describes Sargent by the color of his skin rather than as an equal or someone he could help. This racial tension continues through the second half of Mr. Dorset description where he goes on to express him as â€Å"a human piece of night with snow on his face†. Hughes again uses this contrast between a black night and white snow to illustrate how Mr. Dorset focuses entirely on race throughout this interaction. Because Sargent has a different skin color, Mr. Dorset turns him away without any compassion. Despite being a â€Å"holy man†, The Reverend tells Sargent to â€Å"[g]o right on down this street four blocks and turn to your left, walk up seven and you’ll see the Relief Shelter.† Mr. Dorset blurts out these very general instructions without waiting to see if Sargent understood or even heard them before he shut the door. These instructions are not only vague but also harsh as Sargent has to walk eleven blocks through the snow before he can even see the Relief Shelter. While it is reasonable for Mr. Dorset to not offer Sargent food or shelter in his own home, it shows the utter lack of respect when he does not bother to talk to Sargent in a reasonable manner. When giving directions it is common to include information such as street names, landmarks, or buildings that give the person a sense they are going in the right direction, yet Mr. Dorset gives a trite, vague re sponse. It would not harm Mr. Dorset to take another minute ofShow MoreRelatedAnalysis Of On The Road By Langston Hughes1570 Words   |  7 Pagesâ€Å"On the Road† Analysis â€Å"On the Road† is a short story written by Langston Hughes whose major themes are of race, religion, and subjective nature of fiction. An influential African-American writer, Hughes was born in 1902 and primarily raised by his maternal grandmother (Meyer 1032). Over the course of his illustrious career he would go on to write poems, novels, short stories, essays, plays, opera librettos, histories, documentaries, anthologies, autobiographies, biographies, children’s booksRead More Langston Hughes On the Road Essay1244 Words   |  5 PagesLangston Hughes On the Road In Langston Hughes, On the Road the Sargeant is a homeless Black man that is desperate for food and shelter. In his desperation, Sargeant goes to the church to refuge, but there is no one at the Church to help him get refuge. Although Sargent is living in a time where the depression is in existence amongst all people, Black and White, he finds no one to help him. Sargent goes to the Church because the Church helps people. However, because Sargeant is Black andRead MoreAnalysis Of On The Road By Langston Hughes868 Words   |  4 PagesWalker insists that there is representation to white people when the narrator of the story â€Å"On the Road† by Langston Hughes speaks of the church and the snow. Walker does include some nice points, points that one could easily see. Some of her points and observations though, I feel are a bit of a long shot. I have the same feelings towards Walker’s comparison of â€Å"On the Road† and the story of Samson. Walker’s first theory is that the snow is â€Å"a symbol of the white oppressive world that is makingRead MoreAnalysis of on the Road by Langston Hughes Essay1401 Words   |  6 Pagesthe Road by Langston Hughes. Langston Hughes offers a gift in this work which is to open the heart and life will provide unlimited abundance. During this literary analysis Langston Hughes uses nature to demonstrate his main characters unwillingness to participate in life. Another point that Hughes demonstrates is the use of anger and survival and how it can be used as a powerful force in breaking down racial barriers. One more impact Langston Hughes uses is Jesus Christ as a metaphor. Hughes usesRead MoreEssay, Langston Hughes, And The Road Not Taken1107 Words   |  5 Pagestake risks will accomplish nothing in life.†- Muhammad Ali. The authors Rick Reilly, Langston Hughes, and Robert frost all have something in common. They wrote about characters finding the courage to do the right th ing. These commentaries, short stories, and poems are all trying to send a message. Try to do the right thing when called upon. After reading the texts Doing the Right Thing, Thank You Ma’am, and The Road Not Taken, it is evident that all the main characters found their courage from someoneRead MoreLiterary Analysis Of Langston Hughes s The Road 1402 Words   |  6 Pagesthe Road by Langston Hughes. Langston Hughes offers a gift in this work which is to open the heart and life will provide unlimited abundance. During this literary analysis Langston Hughes uses nature to demonstrate his main character s unwillingness to participate in life. Another point that Hughes demonstrates is the use of anger and survival and how it can be used as a powerful force in breaking down racial barriers. One more impact Langston Hughes uses is Jesus Christ as a metaphor. Hughes usesRead More Symbols Of Truth in Langston Hughes On The Road Essay1419 Words   |  6 PagesLangston Hughes uses b eautiful symbolism and imagery in his literary work â€Å"On the Road†. Hughes offers up the idea that if one is to open ones heart; life will provide unlimited abundance. In this literary work, Langston Hughes uses nature to demonstrate and symbolize the unwillingness of his main character, Sargeant, to participate in life. Hughes also demonstrates the use of a person’s anger and instinct to survive and how they both can be used as powerful forces in breaking down racial barriersRead MoreOn the Road with Racism: Langton Hughes Life Experiences824 Words   |  4 PagesWhat is racism? In â€Å"On the Road† by Langston Hughes racism is characterized in an unemployed African American. The African American depicted in this story is known as Sargeant. Sargeant is a character that Langston Hughes had little relativity to as being homeless as well as in search for food, but he undoubtedly identified with in culture. Langston Hughes childhood, heritage, and involvement in the African American community led him to create a strong willed character. Born in Joplin, MissouriRead MoreYolande Cornelia â€Å"Nikki† Giovanni Jr Is An Well-Known African-American Poet, Writer, Commentator,978 Words   |  4 PagesYolande Cornelia â€Å"Nikki† Giovanni Jr is an well-known African-American poet, writer, commentator, activist, and educator. Today we will look at â€Å"A poem for Langston Hughes† from her collection and do a literary analysis on it. The author took the time to adopt a certain sound throughout her work. You can shape sound within a poem through accent, alliteration, assonance, consonance, internal rhyme, meter, onomatopoeia, rhyme and rhythm. She uses a combination of these sound devices used in poetryRead MoreAnalysis Of I Too By Langston Hughes881 Words   |  4 PagesENG 102-71 Poetry Mini Research Paper 10/29/17 Langston Hughes’s â€Å"I, Too† Langston Hughes was a renowned poet and writer during the Harlem Renaissance. His background shaped the overall themes of his poems. Segregation and equality were the main subjects for Hughes’s writing. Langston Hughes wrote about the racial discrimination that African Americans faced during the Harlem Renaissance, and this theme resonated throughout the poem â€Å"I, Too†. Hughes was one of the boldest African American writers

What Makes a Good Friend Free Essays

In my opinion a good friend is someone who is always around you. Another quality for a good friend is someone who lets you barrow money if you barrow them money. The last quality is someone who does favors for you if you do favors for them. We will write a custom essay sample on What Makes a Good Friend or any similar topic only for you Order Now The first quality to a good friend is someone who is always around you. Hanging out with each other. Another thing is texting them all the time. Also, playing video games. The last thing is going to the movies. The second quality is someone who gives you money if you give them money. Some examples are when I go to McDonalds or Subway and I don’t have money my friend gives me money and if he doesn’t have money I will pay for him. Also my friend always drives me around and I always give him money for gas. The last good quality for a friend is someone who does favors for you if you do favors for them. For example: if I give him money he gives me money, if I help him on homework he helps me on homework, if I buy him lunch he buys me lunch. A good friend is someone who is always around you. Someone who lets you barrow money if you barrow them money. Someone who does favors for you if you do favors for them. Those three qualities are the main three qualities that I am looking for in a friend. How to cite What Makes a Good Friend, Essay examples

With Age Comes Wisdom Essay Essay Example

With Age Comes Wisdom Essay Essay When people think of wisdom the instantly think of it as person who has scholarly knowledge or received a batch of larning. but it could besides be defined as holding the cognition of what is true or right. When asked what is wisdom the common reply is the gift of cognizing everything but it is more of a individual possessing an unfastened head to farther increase their cognition. Peoples gain most of their wisdom non from a schoolroom but from their life experiences as a book can merely learn us so much. There are six properties that are features of a wise individual they are as follows ; concluding ability. sagaciousness. larning from thoughts and the environment. judgement. expeditious usage of information. Reasoning ability is the ability to look at a job and to be able to work out the job through good logical logical thinking and using cognition to peculiar job. Sagacity is an apprehension of human nature. contemplation. fairness good hearing ability. and puting value on the advice and cognition of others. Learning from thoughts and the environment is being perceptive and larning from the errors of others. Judgment means the individual has good reasonable judgement and thinks in long-run instead in short-run consequences before moving and talking. Expeditious usage of information is when the individual learns from an experience whether it is a error or a success. Perspicacity is a person’s insight. intuition. and the ability to read between the lines. We will write a custom essay sample on With Age Comes Wisdom Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on With Age Comes Wisdom Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on With Age Comes Wisdom Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Choosing a individual that possesses wisdom could be harder than what you think. nevertheless one iconic figure did come to mind and that would be Helen Keller. When Helen Keller was merely 18 months old she contacted an unwellness that resulted in a really high febrility that the physician termed â€Å"brain fever† as a consequence of the this unwellness in Keller fring bother her sight and her hearing. Helen Keller was truly unable to pass on with others until the age of six when she was introduced to Ann Sullivan. Ann Sullivan eventually broke through and was able to unlock many doors for Helen Keller when she taught her â€Å"water† . Sullivan did this by running H2O over Helen Keller’s custodies and spelling the word on her thenar and the remainder as they say is history. Helen Keller had many of the features that identify a individual as wise. Her concluding ability helped her to non be held back by her disablements but to get the better of them and larn from them so that she could learn others. She was able to larn from her environment and was really perceptive. She possessed good judgement and did non allow her disablements limit her in life thought of the long-run alternatively of concentrating on the short term. Expeditious usage of information was proved when she learned her foremost word â€Å"water† and from that point realized that objects had names. Helen Keller showed that she was perceptive and was able to spot the truth and what the right thing to make was. Unlike Helen Keller I do non experience that I fall into all of the features that a â€Å"wise† individual should. the characteristic that I feel that I most place with is Sagacity. Sagacity is a acute apprehension of human nature. contemplation. equity. and good hearing accomplishments. I do non believe nevertheless that I wholly understand human behaviour because sometimes there is no rime or ground to the actions of people. It is of import nevertheless to be thoughtful and just when covering with all people and to non leap to decisions and being able to listen to others ideas and feelings. There are some features that I feel that I need to work on. on my manner to going a wise individual. However the characteristic that needs the most work is judgment. Not whether a pick is good or bad but the consequence the pick will hold in the long tally alternatively of how it is impacting me in the short tally which I think a batch of people struggle with. Like anything it is a work in advancement and you live and you learn. So now as you see there is more to wisdom so merely how much you know or what type of grade you hold. It’s more about what you learn and take from the schoolroom of life and what you do with those instructions. Any errors or successes that a individual has experienced has made them non merely into the individual they are today but made them wiser and stronger. Plants CitedBaumgardner. S. R. . A ; Crothers. M. K. ( 2009 ) . Positive Psychology. Prentice Hall. â€Å"Keller. Helen† UXL Encylopedia of World Bigraphy. 2003. Retrieved February 02. 2013 from Encyclopedia. com: hypertext transfer protocol: //www. encyclopaedia. com/doc/1G2-3437500444. hypertext markup language