How One Late Payment Can Affect Your Credit

How One Late Payment Can Affect Your Credit How One Late Payment Can Affect Your Credit How One Late Payment Can Affect Your CreditBy Melanie LockertYou’re going about your day, going through the mail and then it hits you. “Oh crap! I forgot to pay my credit card bill.”Missing a payment can happen to the best of us. But it’s not just a minor gaffe, it may actually affect your credit. How much? Well, it depends.What counts as a late payment?  Here’s the good news. If you are only a few days lateâ€"and you’ve never had a late payment beforeâ€"you may be able to get out unscathed.“It all depends on how late it is. A payment thats less than 30 days late will rarely have an effect on your credit,” says Jason Steele, credit card expert and founder of CardCon (@CardConExpo).But let’s say you’re out of town or busy with life stuff and end up missing a payment for more than 30 days. What then?“After 30 days the payment is likely to be reported late and will begin to negatively affect your credit,” says Steele.Steele notes that it only gets worse if you hi t the 60 or 90-day mark. So if your payment is more than 30 days late, it could impact your credit score.If that’s the case, the next step is to get current on your payments as soon as possible. Even then, it doesn’t mean the damage is wiped away.“Once youve become current on your payments, the late payment will remain on your credit history,” explains Steele.What will a late payment do to your credit score?  All late payments are not created equal. Your credit history may be a factor in how much the late payment affects your score.“The effects of one late credit card payment from a person with a “thin” credit file trying to establish credit may be completely different than a person who’s more credit active with a longer credit history,” says Nancy Bistritz-Balkan, Director of Public Relations Communications at Equifax (@Equifax), a major credit bureau.So if you have a strong credit score and a good credit history, one late payment may not do that much damage. How ever, if you’re just starting out on your credit journey or are trying to repair your credit, the impact may be worse.Why your payments are so importantYou might not think missing a payment here or there is really a big deal. In reality? Your payment history is the largest contributing factor when it comes to your credit score. That’s right. Your payment history equals 35 percent of your credit score  .“Whether you’ve been able to make on-time payments through the course of your credit history is a factor lenders and creditors consider during the selection process,” explains Bistritz-Balkan. “This type of information helps lenders and creditors understand: If they lend you money, extend you credit, or give you goods and services, will you pay them back?”So your payment history is a pretty big deal when it comes to your credit. If you miss one credit card paymentâ€"and 30 days or more passâ€"your credit score could drop. On top of that, you might be hit with late fees.A void missed payments and protect your credit!  If you miss a payment, you’re not a bad person. Life happens. There are a lot of things vying for your attention between your job, your family, relationships, etc. It’s hard to keep track of it all.However, it’s important to stay on top of your payments so you can keep your credit in good shape. To avoid missed payments, you can consider signing up for auto pay, which automatically deducts your payment from your checking account. Of course, you want to make sure you have enough in your account, or you might trade late fees for overdraft fees.You can typically choose to pay the full balance or only the minimumâ€"if you pay at least the minimum, you can avoid fees or missing a payment (though it’s best to pay in full if you can).If you don’t want to sign up for autopay, see if your credit card issuer allows you to set reminders.You can also set reminders in your online calendar and set a deadline a few days before your actual du e date.Bottom line:If you miss one credit card payment, it may not affect your credit that much if you catch the mistake quickly. However, if you let it go 30 days or longer there could be consequences. No one wants to pay late fees or deal with a drop in their credit score. To avoid these issues, always pay the minimum and set reminders so you can stay on track with your payments.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINAbout the  AuthorMelanie Lockert is the personality behind the award- ­winning blog and book, Dear Debt, where she chronicled her journey out of $81,000 in student loan debt. As the co-founder of Lola Retreat, she is passionate about empowering women to rock their money. Currently, she lives in Los Angeles and is dreaming of her next adventure.

Cultural Diversity in the Workplace Essay - 3436 Words

The workforce of America is more diverse than it has ever been. White male upper class men no longer solely dominate companies. Women, people of color, and other minority groups are now rising in the ranks and demanding change. How can one know all the ways to manage such a diverse group of employees? Through a variety of ideas, experiments, and attempts, leaders across the nation are looking for solutions to this answer. Not only are people coming from different ethnicities, we are also experiencing a great influx of workers from nations all across the globe. To keep the level of job satisfaction high, workers must be able to feel comfortable in their workplace environment. It is almost impossible for a person to know everything†¦show more content†¦There are many definitions for managing diversity. Perspective change as research continues. In Dobbs’ journal, Palmer posits three paradigms for defining diversity: 1. The Golden Rule, 2. Right the Wrongs, and 3 . Value all differences. In the golden rule paradigm diversity is a matter of individual responsibility and morality. Diversity also means establishing justice for the target groups who were systematically disadvantaged in the past. Finally, diversity means ‘to value the differences’. (Dobbs, p. 161) At the National Institutes of Health (NIH) diversity is an all-inclusive term that extends beyond race and gender. Diversity, according to the NIH, incorporates workers in many different pay classifications and personnel systems. It includes age, geographic considerations, personality, tenure issues, and a myriad of other personal and organizational characteristics that may be different or similar in nature. (http://www1.od.nih.gov/ohrm/oeo/wdi/wdi1.htm) White, upper class males no longer solely dominate companies although many organizations still operate from that field of thought. Women, people of color, and other minority groups are now rising in the ranks and demanding change. According to the 1987 Hudson Institute Study, Workforce 2000, it is estimated that approximately 85 percent of the new workforce will be women, minorities, and immigrants. (Wilson,Show MoreRelatedCultural Diversity At The Workplace2491 Words   |  10 Pages Cultural Diversity in the Workplace Anna Sham, Sabrina Damji, Siran Jia, Sergio Valdez 301236536 Anna Sham 30119362 Sabrina Damji 301227191 Siran Jia 301240074 Sergio Valdez Business 272: Organizational Behaviour Tutorial Section: D101 Simon Fraser University Professor: Chris Zatzick April 12th, 2015 As a result of increasing numbers of immigrants, cultural diversity has become a common display in the workplace, which means having a blend of cultures in an organization. It is importantRead MoreCultural Diversity At The Workplace1812 Words   |  8 Pagesmiscommunication with coworkers at workplace? If so, do you know what exactly was the main thing that led to miscommunication? Miscommunication at the workplace happens when coworkers have different points of views, lack of understanding or different life experiences. There is only one workplace issue that includes all of the problems that I have just mentioned: cultural diversity. Cultural diversity at workplace refers to all types of differences among individuals at the workplace such as, different racesRead MoreCultural Diversity in the Workplace Essay968 Words   |  4 PagesErica L. Munsey Cultural Diversity In The Workplace Sociology 220B There is presently more than 60% percent of the United States work force that consist of immigrants, minorities and woman. Current studies show that in the next 10 – 15 years such groups will rise to 90% in the work force. Today’s leaders are now confronted with the challenges of how to effectively manage the work force that is increasing in the diverse lines of ethnicity, physical abilityRead MoreOverseeing Cultural Diversity At The Workplace933 Words   |  4 PagesAbstract This paper analyzes the issue of overseeing cultural diversity in the workplace. The first of its three areas audits the writing on the broadened work constrain and gives an abstract of the corporate reaction to this issue. The second segment introduces and dissects the reaction from a cultural mindfulness study of Midwest companies. In the last segment, a strategic programming model to proactively oversee cultural diversity is proposed. The five stages in the model incorporate appraisalRead More Managing Cultural Diversity in the Workplace Essay2919 Words   |  12 PagesCultural diversity in the workplace is becoming more and more prevalent. Corporations in all industries are encouraging minorities, women, elderly workers, people with disabilities as well as foreign workers to join white males in the workplace. The following analysis will focus on these groups and how companies are encouraging them to join an ever-expanding workplace. Even if affirmative action is dismantled, diversity of the workforce is clearly here to stay. Business owners and managers, expertsRead MoreThe Workplace, Cultural Diversity And The Political Landscape Essay2301 Words   |  10 PagesIntroduction The world over, there are different types of organizations, these being public, private, non-governmental and international organizations. They survive because they are contracted to or employed people from different cultural diversity and professions. Besides that, some are profit making and others non-profit making organizations and they all in the end have an obligation to remunerate, provide benefits, an assurance of job security to employees and provide a conducive environmentRead MoreInformative Speech Topages And Disadvantages Of Cultural Diversity In The Workplace925 Words   |  4 PagesSpeech Coms 1030 Title of speech: Cultural Diversity in the Workplace Specific Purpose: My audience will be able to understand the advantages and disadvantages of cultural diversity in the workplace. Thesis: Introduction: I. Attention Getter At some point in time we have all been in a position where we were uncomfortable in a new setting, cultural diversity is presented in everyday life; whether you’re at a new university or starting a new job. Cultural diversity is becoming more common in the workRead MoreDiversity Training And Its Effectiveness1240 Words   |  5 PagesDiversity may be defined as recognizing and respecting the similarities, differences and unique characteristics an individual employee contributes to the workplace. Diversity training and its effectiveness in the workplace has been met with differing conclusions as to the positive or negative impact this type of training may have on an organization. Today, change in the workplace is inevitable and diversity training in the workplace has become common across the globe. Companies now realize thatRead MoreValue of Diversity Paper1213 Words   |  5 PagesRunning head: VALUE OF DIVERSITY PAPER Value of Diversity Paper Cultural Diversity SOC/315 Value of Diversity in the Workplace In companies or corporations the global landscape now reflects diversity in the employees found in the workplace. Employees come from different backgrounds, geographic or global areas, ethnic and cultural origins, and have unique skills and talents. Individuals must work together and merge skills and manage diversity effectively in the workplace. Our thoughts, actionsRead MoreWhy A Diverse Workplace Matters?1093 Words   |  5 Pagesvarious scholars has found that a diverse workplace, if managed properly, can do wonders for the success of an organization. Diversity means differences due to race, gender, ethnic groups, age, personality, tenure, organizational function, educational background, etc. Diversity involves how people perceive themselves and how they perceive others. These perceptions affect their interactions. Why a diverse workplace matters? / Benefits of workplace diversity An organization’s success and competitiveness

Abraham Lincoln Has Been An Iconic Figure Of The United

Abraham Lincoln has been an iconic figure of the United States. Abraham Lincoln is viewed as a political icon. He was an idealized and iconic figure in the American culture. His efforts to ends the slavery and bringing the United States to a completely new culture certainly made him a political icon. He is the only American President that is on the list when we talk about the iconic personalities. He has acquired a culturally significant stature in the American society. The movies have been made on Abraham Lincoln that expressed his significance as a popular culture icon. In addition, Abraham Lincoln has been considered as a symbol for the representation of the movement that ended the slavery. Biographical History Abraham Lincoln was the†¦show more content†¦He supported the Whig party and its politics of protective affairs and government-supported infrastructure. The political experience of Abraham Lincoln led him to develop his early views on the slavery as not so much as the moral wrong. At this particular time, Abraham Lincoln decided to become a lawyer and learned the law by reading the commentaries of William Blackstone on the Laws of England. However, he served the politics more as he considered it his major profession. He served a single term in the United States House of Representatives from 1847 to 1849 (HUSEBY). In 1854, the political zeal of Abraham Lincoln was awakened once again as the Congress passed the Kansas-Nebraska Act. This act repealed the Compromise of Missouri and permitted the individual territories and states to decide for themselves whether to permit the slavery or not. This law was opposed in Illinois and Kansas and led to the establishment of the Republican Party. In 1860, political agents in Illinois sorted out a crusade to bolster Abraham Lincoln for the administration. On May 18, at the Republican National Convention in Chicago, Lincoln outperformed better referred to hopefuls, for example, William Seward of New York and Salmon P. Pursue of Ohio. Lincoln s designation was expected to some extent to his direct perspectives on slavery, his support for enhancing the national foundation, and the defensive tax. In the general race, Lincoln confronted his companion and adversary,Show MoreRelatedKameron Harris. Mrs. Thompson. Hist 102-10. 2 May 2017.824 Words   |  4 PagesKameron Harris Mrs. Thompson HIST 102-10 2 May 2017 Conspiracy Behind the Legacy Abraham Lincoln and John F. Kennedy were two America’s greatest presidents. Many know Abraham Lincoln as the 16th President of America, face of US currency such as the bronze penny and five-dollar bill, and the President who freed the slaves. JFK was the 35th President of America, household favorite, and the President who saved the world from nuclear destruction. But deep inside the walls of the White House, the twoRead MoreRebuilding the Government: United States History1998 Words   |  8 Pagesï » ¿ Critical Essay One Gettysburg Address by Abraham Lincoln Abraham Lincoln, the sixteenth president, was one of the most decorated commander-in-chiefs in American History, due to his never-ending push to mend our broken nation and move to the beginning. Nevertheless, many African Americans were forced to come to America to be sold into slavery in 1619. While the treatment of slaves was very unfair and, in many cases, inhumane, and was plagued with a lifetimeRead MoreThe Great Speeches of Araham Lincoln Essay1771 Words   |  8 PagesGreeks mastery of oratory has been a defining quality of esteemed statesmen. Countless examples exist of occupants of the Oval Office successfully using rhetoric to assuage the volatile sentiments of the people during times of crisis. In the wake of the Challenger Shuttle Disaster President Reagan comforted a grieving America with his â€Å"Touch the face of God† speech. In the aftermath of the Japanese attack on Perl Harbor President Roosevelt gave an â€Å"infamous† address. Abraham Lincoln†™s tenure as captainRead MoreHesitant Emancipator- Lincoln2916 Words   |  12 Pagesbetter future for his nation. In the blink of war, Lincoln came to the nation’s rescue. But was Lincoln really the Great Emancipator? Was Lincoln actually opposed to the slavery movement? Or did he not consider the blacks to be an equal race? Did he make an active effort to free the slaves? Or was the emancipation a never Lincoln’s priority? In my opinion, although freeing the slaves was never Lincoln’s top priority during his tenure as president, Lincoln was sympathetic towards them. His main issue wasRead MoreThe Assassination of Kennedy and The Conspiracies Surrounding It1530 Words   |  7 Pagestheories involves Abraham Lincoln. It seems that there are several parallels between Kennedy and Lincoln. Some of these are: both Abraham and John were shot on a Friday before a major holiday while seated by their wife who was not injured. Both were in the presence of another couple, and the man of each couple got injured. While in the White House, each President had a family of three children, and both lost a child through death. Both had been elected to Congress in ’47 and had been vice-presidentialRead MoreHumanity’s Evil Inspired William Golding’s Lord of the Flies1678 Words   |  7 Pagesfind articles about laws being broken, about lawbreakers going free and about people being killed. The concept of newspapers full of stories showing humanity’s evil suggests that there is something wrong with today’s world, but newspapers have always been full of such articles and events. It is clear that humanity’s evil inspired William Golding’s Lord of the Flies: a commentary on the innate evil in all man. In Golding’s novel, a group of young boys survive a plane crash and become marooned on an emptyRead MoreIn The Years Before Abraham Lincoln Was Elected The Sixteenth1535 Words   |  7 PagesIn the years before Abraham Lincoln was elected the sixteenth President of the United States, the world had lived in an era that emphasized individualism, emotion, and nature. This era was called the â€Å"Romantic era†, or â€Å"Romanticism† as it is known today. Partially due to the Industrial Revolution, men and women had become intrigued by the advances in political structures and the rationalization of nature. This led to the rise of not only advancement in scientific endeavors and political evolutionRead MoreHistorical Significance and Leadership of Sojourner Truth1751 Words   |  8 PagesChristopher Powers Historical Significance and Leadership of Sojourner Truth. Since the early twentieth Century, Sojourner Truth has been rated by a number of studies as among the prominent African Americans who have contributed to the rich history of the United States. Indeed, volumes of scholarly journals (Caroll, 1985; Redding, 1971) on America’s history have been adorned by her civil image and feminist character in the campaign against violation of women’s rights and slavery. Throughout herRead MoreNew York City: History and Landmarks4966 Words   |  20 PagesImmigration and Nationality Act of 1965 made it possible for immigrants from Asia, Africa, the Caribbean and Latin America to come to the  United States. Many of these newcomers settled in New York City, revitalizing many neighborhoods. 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My Beautiful Mind Essay Free Essays

Living with Schizophrenia â€Å"The mind is indeed a beautiful thing. It is the reason for our ingenuity, artistic originality and maybe even our humanity. What happens however when the mind works against us? When it tricks us into believing that what is not real to be the actual, destroying our sense of being? † (Angelo) We see this played out firsthand in the life of John Forbes Nash Jr. We will write a custom essay sample on My Beautiful Mind Essay or any similar topic only for you Order Now in â€Å"A Beautiful Mind. † The film was directed by Ron Howard and starred Russell Crowe, who plays John Nash, Paul Bettany, who plays Nash’s imaginary friend Charles, and Jennifer Connelly, who plays Nash’s wife Alicia. The movie â€Å"won four Academy Awards, including Best Picture, Best Director, Best Adapted Screenplay, and Best Supporting Actress. It was also nominated for Best Leading Actor, Best Editing, Best Makeup, and Best Scoreâ€Å" (A Beautiful Mind). â€Å"A Beautiful Mind† â€Å"presents itself as a biography of the flesh-and-blood John Nash. And in fact, it is really only a flashy, sentimental Hollywood movie, inspired by a few particular details of the John Nash story. (Overstreet) This review is accurate in this description, director Ron Howard delivers a brilliant master peace but it is not all fact. For instance, John Nash never had visual hallucinations and he divorced his wife and later remarried. Though it is not an accurate representation, John Forbes Nash, Jr. did suffer from schizophrenia. John Forbes Nash, Jr. , or John Nash as he is referred to in the movie, was born June 13, 1928 in Bluefield, West Virginia where he was raised. Nash took classes from Bluefield C ollege while still attending Bluefield High School. After graduating from high school in 1945, he enrolled at the Carnegie Institute of Technology (now Carnegie Mellon University) in Pittsburgh, Pennsylvania on a Westinghouse scholarship, where he studied chemical engineering and chemistry before switching to mathematics. He received both his bachelor’s degree and his master’s degree in 1948 while at Carnegie Tech. † (John Forbes Nash, Jr. ). The film begins as Nash is attending Princeton University for his postgraduate work in mathematics and writes his thesis on non-cooperative games which he later receives the Nobel Memorial Prize in Economic Sciences. In the movie Nash gets a job at Massachusetts Institution of Technology after graduating from Princeton. It is at MIT where Nash meets his future wife, Alicia, and falls in love with her and she remains his faithful mate even through his maddening episodes of schizophrenia. The film differs from reality in many instances, his love life being one of them. In reality Nash had a trivial relationship with a nurse by the name of Eleanor Stier, they had a son together and named him John David Stier. After the child was born Nash abandoned both of them and went through a homosexual stage, in the mid-1950s he was â€Å"arrested in a Santa Monica restroom on a morals charge related to a homosexual encounter† (John Forbes Nash, Jr. ). This was said to have caused him to lose his job at MIT and caused him to want to get married. Only now is Alicia brought into the picture, a student of his at MIT from El Salvador. John Forbes Nash, Jr. and Alicia Lopez-Harrison de Larde get married in 1957 and two years later Alicia admits John Nash to the mental hospital. In the movie he is tackled by two men and a third, Dr. Rosen, administers a sedative and they haul Nash away in their car, all while students and teachers are watching. Schizophrenia is described as being a â€Å"mental disorder characterized by abnormalities in the perception or expression of reality. † (Schizophrenia) Normally it occurs in young adulthood and manifests itself in auditory hallucinations paranoid or bizarre delusions, or disorganized speech and thinking, while visual hallucinations are possible they are extremely rare and John Nash Jr. said that he only had auditory hallucinations. The visual manifestations in the movie were only to intrigue the audience and to clarify the sincerity and the reality of the disease. Schizophrenia is a very rare disease, affecting half of one percent of the population of the world and scientists and doctors know little more about it presently than when John Nash was diagnosed. While knowledge of schizophrenia is scarce people have found some useful treatments such as Insulin Shock Therapy and certain medications such as Typical Antipsychotic and the newer Atypical Antipsychotic, we see John Nash undergo the Insulin Shock Therapy in the late 1950s and the early 1960s. Insulin Shock Therapy however has been replaced by newer and more effective medications. The Typical Antipsychotics are the pink pills that Nash takes after his hospitalization. He says these medications make it hard for him to focus and he cannot respond to his wife so he stops taking them. This only causes further pain when Nash’s hallucinations all come back. Nash eventually learns how to cope with these hallucinations and just ignores them. In conclusion, the movie â€Å"A Beautiful Mind† is a very inspirational film that fills the audience with we and intrigue as they watch Nash learn to live with schizophrenia and attempt to remain a viable part of society. John Forbes Nash Jr. has influenced economics, mathematics, and physics, he taught at two major universities, he got married, he won the Nobel Memorial Prize in Economic Sciences, and he showed millions that it is possible to do all these things while living with schizophrenia. Works Cited Angelo. â€Å"Beauti ful Mind, A (2001)† MovieFreak. com – The Film Palace. 13 January 2010. Web. 04 March 2010. Overstreet, Jeffrey. A Beautiful Mind (2001)† Rotten Tomatoes. Flixter, Inc. 12 May 2004. Web. 04 March 2010. http://www. rottentomatoes. com/m/beautiful_mind/ â€Å"A Beautiful Mind (Film)† Wikipedia, the Free Encyclopedia. 04 March 2010. Web. 04 March 2010. http://en. wikipedia. org/wiki/A_Beautiful_Mind_(film) â€Å"John Forbes Nash, Jr. † Wikipedia, the Free Encyclopedia. 04 March 2010. Web. 04 March 2010. http://en. wikipedia. org/wiki/John_Forbes_Nash,_Jr â€Å"Schizophrenia† Wikipedia, the Free Encyclopedia. 01 March 2010. Web. 04 March 2010. http://en. wikipedia. org/wiki/Schizophrenia How to cite My Beautiful Mind Essay, Essays

Supply and Demand and English Literature free essay sample

Should the government build more shelters for the homeless? Where will it get the resources to do so? I think that the government should build more shelters for the homeless people. The reason that I think the government should build more shelters is that if they are not giving people jobs than they should give them houses to stay because everybody is equal. For example when Hurricane Sandy hit the north the government had shelters to provide a place for the homeless. However if a bigger hurricane hits then the government will need more shelters. 2. Why do we measure output in value terms rather than in physical terms? Because things can be measured in different forms such as ton, cubic, piece etc. Converse these forms based on prices we will have a comparable value, in dollar term. The outputs are in different unit of measure. For example, a house, a car, a cow etc. We will write a custom essay sample on Supply and Demand and English Literature or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page To sum them up, we have to change them to the same unit of measure. That’s in dollar term. 3. What does the supply and demand for human kidneys look like? If a market in kidneys were legal, who would get them? How does a law prohibiting kidney sale affect the quantity of kidney transplants or their distribution? As of this day in the US, 87,939 people need kidney transplants. In 2010, only 15,430 people received kidney transplants. Thats not too good. The main problem is that not enough people are registered as donors. If the market were legal, only the wealthy would be able to get one, and that is the problem. Who in the world would sell a kidney for $150 to a poor person when a rich person would pay $150,000 or more for one? That is why it cant be made legal; it hurts everyone who is not rich. 4. If all soda advertisement were banned how Pepsi sales would be affected? How about total soda consumption? If all soda advertisements were banned, Pepsi sales would not be affected. They cut their advertising budget in the last several years because they realized they would never be able to catch up with Coke. Also if Pepsi doesn’t advertise their product they would save millions a year. Pepsi also doesnt have to do a lot of advertisement because they are already known all over the world so it wouldnt affect their product. 5. What are the fixed input constraints that limit worker productivity in the typical fast-food outlet? No, it is still be added as a cost, but its called implicit cost or the costs which have been never paid. This makes economist more sense than accountants as a thinker. This question reflects a lack of understanding of the small business as a lifestyle choice. Get your head out of the big business clouds a minute and look at this as cash basis accounting rather than accrual accounting. When you have a few people in the family and the income comes out of the station, why would you pay yourself an hourly wage? By the Way, gas doesnt make money. The store does. And you probably have to run several stores to get a decent retirement. 6. What industries do you regard as being highly competitive? Can you identify any barriers to entry into those industries? The Fast Food Restaurant industry is very competitive in the US. Barriers to entry; 1) The biggest is obviously the government in the form of local and state health boards, food inspectors, and nationally the FDA. 2) Start up cost: (a) buying everything you need, (b) getting through the initial months that will inevitably slow while you gain a reputation. 7. If you owned the only bookstore on or near the campus what would you charge for you economics book? If I owned the only bookstore on or around a campus I would raise the price of all the books. The reason that I would raise the price is that there are a lot of students there and most of them dont have a car, so they have to take the bus and pay. So they dont have to pay for the bus, but just pay more for the book. This is a good business because most students also dont have time to go buy a book at a far bookstore. 8. Why are professors of computer science paid more than professors of English Literature? Professors of computer science are considered in higher demand than those of English literature. The knowledge base for computer sciences is being changed constantly so the need for instruction is greater. Also to be a scientist you need to be smart and most people are smart but are lazy to do the job. So whoever is smart and ready takes the science job and whoever is smart and lazy take English literature. 9. Why should taxpayers subsidize public colleges and universities? What eternal benefits are generated by higher education? If you subsidize public colleges, the supply curve of public college education would shift to the right, thus making public colleges cheaper. With public colleges cheaper, the demand for private colleges would decrease, making private colleges cheaper. So as a result of subsidizing public colleges, you make public and private college education cheaper. Also For the same reason why they pay for public schools even if they dont have kids who go to them because everyone benefits from the knowledge they gain after they graduate. Ive never needed the fire departments help. Does that mean my tax dollars shouldnt go to fund them? 10. Could we ever achieve an unemployment rate below full employment? What problems might we encounter if it did? That’s impossible. A 0% unemployment rate would mean every single to-age worker has a job. There couldnt possibly be a negative rate since every worker has a job, there is a job for every worker. a -% unemployment rating could only happen if there was a surplus of jobs, but there would never be a surplus of jobs, with too few laborers. This is against every sensible judgment when running a business, its unsustainable. What business wants to create jobs it knows it will never fill? 11. What kind of external shock would benefit an economy? An increase in price of an export or decrease in price in an export would benefit an economy. If the changes were significant enough, they could have an extreme impact on the economy in Question. Also a drop in price of a major import. An increase in price of a major export. Availability of a new labor-saving technology. An influx of cheap labor from abroad. 12. How long does it take you to spend any income you receive? How would you spend it? It depends on what my income is. For example if i get 10 dollars a day then I would spend 2 and save 8. If you spend 2 and save 8 then you have a good chance of succeeding in USA. i would spend it on food and entertainment. 13. Have you ever borrowed money to buy something (car)? In what form did you receive the money. How did your loan affect the money supply? Aggregate demand? I borrowed money from my cousin last year to buy a car. I received the money in a check. My loan did not supply my money supply. 14. Why do banks want to maintain as little excess reserves as possible? Banks usually choose not to keep reserve because the money that you deposit is being loaned out. When the bank loans out its customers money it makes an overall net gain or profit. This is what keeps banks in business and is also why you receive an interest on your deposit.

air bad safty essays

air bad safty essays According to statistics, motor vehicle accidents are the number one leading cause of unintentional injury-related deaths, making up close to 45% and more than quadrupling all other causes. Although these statistics can be overwhelming knowing that driving a motor vehicle on a daily basis comes with a lot of risk, an individuals chance of injury can be lowered by following basic rules of safety. The American Trauma Society believes that the injury rate could be reduced by 50% if people would simply apply existing information about prevention. Wearing a seat belt while riding in a motor vehicle is by far the easiest way to prevent injury and death, and should be done anyhow because it is a federal law to do so. In addition to seat belts, motor vehicles are equipped with air bags, an automatic form of protection designed to reduce the risk of injury. In the past decade, air bags have saved the lives of close to 3,000 people. The National Highway Traffic Safety Administration (NHTSA) con ducted a study of real-world motor vehicle crashes and were able to conclude that the combination of seat belts and air bags is 75% effective in preventing serious head injuries and 66% effective in preventing serious chest injuries. Unfortunately for about 100 people in the past decade, their lives were saved at the expense of suffering a less severe injury caused by the air bag itself. However, when proper air bag safety is applied in conjunction of wearing a seat belt properly, most injuries and deaths caused by motor vehicle crashes are minimized or even prevented all together. Air bags are designed specifically to cushion occupants as they move forward in a front-end crash, keeping the head, neck, and chest from hitting the steering wheel or dashboard. In order to perform well, air bags deploy quickly and forcefully, with the greatest force in the first 2-3 inches after releasing through the cover and beginning to inflate. Therefore, occupants who a...

To Curry Favor

To Curry Favor To Curry Favor To Curry Favor By Maeve Maddox A reader asks, Does the expression Curry Favour have anything to do with curry? Short answer: â€Å"No.† But the long answer is pretty cool. The gastronomical word curry derives from a Tamil word for sauce, whereas, the curry in the expression â€Å"to curry favour/favor† is a verb meaning â€Å"to comb a horse.† curry (noun): A preparation of meat, fish, fruit, or vegetables, cooked with a quantity of bruised spices and turmeric, and used as a relish or flavoring, especially for dishes composed of or served with rice. Hence, a curry = a dish or stew (of rice, meat, etc.) flavored with this preparation (or with curry-powder). curry (verb): to rub down a horse with a comb. The word favor in â€Å"to curry favor† is the product of folk etymology. The original expression was â€Å"to curry Favel,† in which Favel is the name of a fictional horse. Satirical allegories featuring anthropomorphized animals were popular in the Middle Ages. The name Favel came into English from the French tale Le Roman de Fauvel, in which a horse named Fauvel parodied the hypocritical behavior of the courtiers and ecclesiastical lords of the French royal court. The horse’s name derives from his color: he’s a â€Å"fallow horse.† As an adjective, fallow refers to a pale brownish or reddish yellow color. It’s probably cognate with Latin pallere, â€Å"to be pale.† Both English and German had an idiom that may have preceded the French tale: â€Å"to ride the fallow horse.† The expression meant, â€Å"to practice duplicity.† One academic theory as to why riding a fallow horse was associated with hypocrisy is that the expression may have originated with â€Å"the pale horse† in the Apocalypse (Book of Revelation). The rider of the pale horse, â€Å"one whose name is Death,† was thought by some commentators to represent the duplicitous Antichrist. When the word Favel became meaningless to English speakers, they substituted it with the familiar word favor. In sum, to curry chicken is to cook it with curry. To curry favor is to seek to gain an advantage by means of flattery and hypocrisy. Here are some recent examples of the use of curry in the nonfood sense: Leadership PACs generally attempt to curry favor with other lawmakers, hoping to win support for legislation or other political aspirations. If we change [the law], Mr. Lynn said, were going to see politicians running around seeking support of churches and hoping that they can curry favor with those churches by promising them money and favors. Not only did he flout those laws in order to curry favor with a prospective employer, but he also illegally disclosed the identity of a whistleblower, as the Complaint alleges. The lobbying campaign, reconstructed by  Newsweek  and The Daily Beast through interviews and documents, speaks volumes about the efforts of big business to curry favor, even among perceived enemies.   Curry may also be followed by approval and good will: Jorge is explaining to his men that Nikita Khrushchev has permitted a few chosen writers to travel abroad,  hoping to curry approval  from the worlds cultural elite. Kuwait used its resources to  curry good will  among Arab countries, especially Egypt. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Expressions category, check our popular posts, or choose a related post below:Punctuating â€Å"So† at the Beginning of a SentenceAcronym vs. Initialism50 Plain-Language Substitutions for Wordy Phrases