Interest rates is the price that the lender sets for the borrower to pay as a fee to borrow money. Depending on whether or not interest rates are high or low, you may or may not qualify for a specific loan. When interest rates are higher, we as an economy have less money, and most people save for what they want to purchase rather than finance. When interest rates are higher, less people qualify for vehicle and home loans. Very low interest rates tempt more people to get into debt, as more people qualify for the same loans. Overall, most people agree that it is ridiculous to pay outrageous interest rates, understanding that saving and paying cash later is more better. Whenever interest rates go up in the marketplace buy ½ percent, it is said that over 100,000 buyers will be eliminated from qualifying for a loan.…
She hopes to obtain a different position in her company in 1 to 2 months.…
You have to make sure you have money to pay the loan back, but if you don’t you will go into default. When you go into default this destroys your credit. The default shows up on your credit, which you don’t want to happen. Having negative credit on your credit report could stop you from getting future loans. Some other consequences of borrowing too much and going into debt are: evictions, foreclosures, wage garnishments, emotional breakdowns, ruined credibility and undesirable credit. Debt affects people in different ways and has a major impact on the life of each person. It often determines how they will be able to live their lives.…
1. What is Earth’s mantle? The mantle is a part of a terrestrial planet or other rocky body large enough to have differentiation by density. The interior of the Earth, similar to the other terrestrial planets, is chemically divided into layers. The mantle is a layer between the crust and the outer core. ...…
B. Give examples of upkeep fees, taxes and insurance rates associated with owning a home. IE; lawn, painting and every day mishaps.…
9. Where on the LRC would a person find information about health issues related to aging?…
Poetry is not something that I would normally be interested in. I’ve tried writing poetry only to end up a dismal failure. I’ve tried to read poetry only to end up bored halfway through. I’ve always wanted to be one of those soulful poetic types who walk around with a serene look on their faces, snapping their fingers when something tickles their fancy but I’ve never quite made that transition. Poetry, to me, seems to be a fanciful, ethereal pursuit that has somehow always gone over my head no matter how hard I’ve tried. Since I’ve failed miserably at being a poet or even enjoying poetry, you can imagine my surprise when I read “Dog’s Death” and not only enjoyed it but it touched my heart. A good poem knows how to grab not only the reader’s attention but will snag the reader’s emotions and take them on a roller coaster; whether it has a happy or a sad ending the poem should keep the reader’s interest until the end.…
Rogak, L. (2011). The Dogs of War: The Courage, Love, and Loyalty of Military Working Dogs. New York, NY: Thomas Dunne Books.…
There are many advantages to having diversity in a collaborative learning environment including age, religion, physical ability, gender, and sexual orientation. People with other perspectives on things can bring to the table a new way of thinking about things. This can allow a new form of thinking within in the group to come to an understating or agreement to help solve the problem or achieve a goal. It helps other people work together without looking at another person differently because of their background or appearance. I think that it helps bring our culture more together to not be so stereotypical about other people so we can all come to an understanding of one another and keep moving forward in whatever the case may be.…
Transformative learning is basically changing the way one thinks, feels, acts, and sees life now, as opposed to the past. It can have a small or huge impact on the way they see different aspects of their life. The four stages of the transformative learning process are: Recognizing a specific problem – this is when one would decide if there is a need for change. They would recognize that there is a problem and specifically what it is. Confronting the problem intensely – They would then avoid apprehension and immediately confront the problem, while remembering to consider all possible solutions. In this step, using critical thinking would be of great value. Finding a solution to the problem - Here they would evaluate and reflect upon the situation while trying to identify the cause. Once identified, they would consider the steps needed to attempt to solve it. Integrating a new perspective and a new set of assumptions into your life – Last but not least they would see how their views have or have not changed. They would decide how they would handle the situation should they find themselves there again. Also, see what questions they could ask themselves to try and not make the same mistake.…
Autism Spectrum Disorder is a diagnoses for individual with a group of complex disorders of brain development. This disorder is characterized in varying degrees, by difficulties in social interaction, verbal and nonverbal communication and repetitive behaviors. The U.S. Centers for Disease Control and Prevention reports that 1 in 68 children are diagnosed as being on the spectrum, with boys being four to five times more likely to be diagnosed with autism than girls. As there is no cure for autism, research is on-going to help children and families to decrease the negative effects autism has on those with the diagnoses and this includes studies on medications. In the article, Cognitive Effects of Risperidone in Children with Autism and Irritable Behavior, the effects of the popular drug Risperidone is tested on children on the autism spectrum who also have irritable behaviors, such as attention deficit hyperactivity disorder or disruptive behavior disorders. The focus is on what question the authors are trying to answer by doing this research and what hypothesis is being tested and the concepts that were applied in this process. Other important aspects of this study include the statistical analysis employed in this studies, the variables used and the possibility more and/or different variables may have been used to enhance the outcome of the study. As with any statistical research study, there are going to be limitations. The fact that autism affects so many people, the better understanding we can gain about possible medications and therapies will be helpful to families and educators of people on the autism spectrum.…
Motivational learning can be broken into four contexts. Those contexts are: Practical, Personal, Experiential, and Idealistic. First, the practical context of learning would be learning something because you know in advance it will benefit you. Second, the personal context of learning would be learning something because you want to do it for yourself to accomplish an important goal. Third, the experiential context of learning would be learning something because of past experiences. Finally, the idealistic context of learning would be learning something because you want to explore ideas, theories and concepts to experience the discovery of something new. There are four main contexts that motivate people to learn and everyone has their own reasons.…
You manage a counseling center that services victims of domestic abuse. Your organization is happy to have you on board and trusts your decisions. Due to an increase in demand for services in your area, your center will be increasing the number of employees by 100%. Your employer asks you to participate in an expansion plan. Your task is to research possible organizational structures that best suit the needs of your clients and your organization.…
I have had interactions with family members—one of which includes my mother—in regards to my college career. Since I have taken time off from school to do things like get a job to eat and pay rent, I have put college in the background for a number of years. Thus, I have had uncomfortable conversations about why I have not finished school. This conversation took place leading to the time of entering the BASS program here at CSU Stanislaus. I remember getting upset, not sure at myself or my family members, because I was dangerously approaching the age of thirty and did not have a college degree. It was most difficult getting compared to other uncles and cousins in my family who are school teachers, school administrators, doctors, pharmacist,…
Based on Malcolm Knowles research of adult education, and how to engage adults in the learning experience, he concluded that there are four distinct motivational contexts that stimulate an adult to learn. The first being practical context, which is a solution- based learning. This adult will be encouraged to learn by knowing that the information they are attaining is or will be purposeful in their lives. The second is personal context. This adult is driven by the personal goal of learning to better oneself and the quality of their life. Next, motivated by experiential context is a person who is encouraged to learn by drawing from past experiences; taking what they have learned from the past, (scholastically or personally) recalling that information and then revising it to make it relevant and applicable to the present. Lastly, the adult that is motivated to learn by idealistic context is one who is driven merely by the journey of seeking knowledge itself and not the reward that may come in the end.…