Student Loan Summary - Free Essay Example

Sample details Pages: 2 Words: 679 Downloads: 8 Date added: 2017/09/11 Category Advertising Essay Did you like this example? Student Loan Summary Christine Downey FP/101 August 15, 2010 Griselle Forte What are some future consequences of borrowing too much debt? Some of the most telling future consequences of borrowing too much debt would be evictions, foreclosures, declaring personal bankruptcies, wage garnishments, divorces, emotional break downs, higher than normal interest rates on loans, rejection of application for loans, ruined credibility, savings and retirement plans wiped out, and an undesirable credit report and score. Debt affects people in different ways and has a major impact on the life of each individual. It often determines how they will be able to live their lives. There are only two ways to acquire things that you cannot afford to pay out of pocket. Save until you have accumulated enough money to buy, or borrow the money with the promise you will pay the money back with interest over time. When borrowing, the best thing for anyone to do is always borrow money they are sure they can repay, be prompt in their payments, and pay more than the minimum amount to avoid future financial consequences in your life than you have already. Don’t waste time! Our writers will create an original "Student Loan Summary" essay for you Create order How do you plan on repaying your student loans? Regarding the Stafford Loan that is offered to University of Phoenix students, you have six months following college graduation before repayment of your student loan begins. After this time, you are responsible for the regular monthly payments, which were originally agreed upon between the student and the lender. This grace period should be used wisely. The goal of a student at this point, is to secure a job that allows him or her to reasonably manage all of their monthly bills, including their student loan. If a problem should arise where you cannot make ends meet during your grace period, immediately contact your financial advisor to aid you in modifying your repayment terms. I have opened a separate savings account strictly for college that I contribute to each week. It is better to set some money aside to cover repayment of my student loan than to feel the full financial burden when it is due. So much of the loan process is planning. All you do is plan when it comes to finances. You have to plan out your expenses to make sure you can afford your tuition bill. When you cannot afford tuition in its entirety, you get a student loan to cover the cost. If you are smart, while you are in college you can plan how to repay your loan. Once you graduate, you can work on getting a job that allows you to afford all of your expenses and make repaying your student loan less painful. What is one positive thing you can do to keep your student loans under control? One positive thing you can do to keep your student loans under control is to learn the best way to manage your hard-earned money while you are in college: Financial discipline. Do not borrow more than you need. Frugality can help you reduce the amount of the loan you applied for, as well as the amount you are going to be responsible for repaying. Plan a financial budget and live by it. Keeping your finances under control (with the help of being currently employed) should enable you to set money aside for repayment of your student loans when they come due. Once that kicks in, you have an opportunity to make further productive use of your student loan, beyond getting your degree; Making it a positive force in your credit history. Using your loan to create a positive credit history is as simple as making your payments on time and in doing so, your responsible behavior is reported to the credit report agencies, keeping your credit score at a good level rather than making it a lower score. Your student loan debt presents you with an opportunity. With proper knowledge and confidence, you can make the most of this opportunity, and establish yourself firmly in the realm of the responsible, moving steadily towards your lifestyle goals. Student Loan Summary

What´s Positive Psychology - 1099 Words

As discussed in Paper #1, positive emotions and thinking, character strengths, and values are integral to positive psychology. Positive psychology asserts that by addressing each of these core concepts, people can live a happier, and by extension healthier, life. However, the productivity and well-being which can result from the applications of positive psychology are viable far beyond the personal level; when utilized at the institutional level, the same efficacy can be seen in much broader contexts. Accordingly, in this paper I will discuss the usage of the aforementioned core concepts in three distinct institutional areas: family, school, and the workplace. I will conclude on the underlying themes seen in each, and the effect that†¦show more content†¦When examining the application of positive education, all of the above can be found easily: students learn what is best for them personally, students are respected as members of their own teaching team, and students are give n expectations which are clear and fair. In terms of workplace applications of positive psychology, institutional values are the easiest need met. Deeply engrained within company mission statements are guiding principles which serve as the moral tenets for an organization’s culture. Ensuring there is an articulated goal within a company’s mission statement, and further ensuring that workplace practices effectively work towards those goals in ways which are fair and equal, can create strong feelings of togetherness within personnel. More difficult within a good workplace, is the proper usage of character strengths. Character strengths can play the biggest role in ensuring employees find flow within the workplace. Additionally, if employees can reach heightened levels of engagement, they may also experience greater levels of workplace satisfaction and happiness. Unfortunately, as described by Claudia Harzer and Willibald Ruch, the application of character strengths may pose an issue, â€Å"Firstly, anShow MoreRelated88899891530 Words   |  7 PagesAspects of psychology Emotional Intelligence February 07, 2013 Emotional Intelligence By: Jasmine N. 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To many humanistic and positive psychologists, psychoanalysis and behaviorism offered interpretations to personality and behavior that wereRead MoreResearch On Cancer And Psychology1610 Words   |  7 PagesQinyue Ban Prof. Scala WRI 102 14 Nov. 2014 Cancer and Psychology The common argue which in medical area is the scientist’s keen to research about the relationship between the cancer and psychology. Cancer is comment disease, also as known as malignant tumors, has become a threat to human health and life of common disease, even become a major case of human death. Cancer occurred for any age, race, and gender. The reason and the result of the cancer are different because of the diverse of populationRead MoreSimilarities Between Positive Psychology and Coaching Psychology1278 Words   |  5 PagesPositive Psychology and Coaching Psychology: Positive psychology and coaching psychology have certain similarities with regards to their development as responses to the status quo of the field. The status quo was deficit-based, pathology-focused, and based on essential assumptions regarding human nature. These fundamental assumptions were largely less than positive, especially when examined from a rational perspective. As responses to the status quo, positive psychology and coaching psychology areRead MoreThe Downfall Of Positive Psychology1654 Words   |  7 Pages The Downfall of Positive Psychology In Schrank’s â€Å"Positive psychology: An Approach to Supporting Recovery in Mental Illness† he discusses the definition, history, research, and psychotherapy that is involved with positive psychology. There are multiple definitions that psychologists have developed for positive psychology that stem from six core domains which are â€Å"(i) virtues and character strengths, (ii) happiness, (iii) growth, fulfilment of capacities, development of highest self, (iv) good lifeRead MorePsychology : Psychology And Psychology1627 Words   |  7 Pagescovers the many questions we may have about psychology. It starts with the history and how it has changed throughout the years. It covers some of the many subfields and jobs you can have as a psychologist. It also covers the four big ideas that are associated with psychology. There are many more topics and sub-topics that will be covered within this paper on chapter 1. Section 1-1 Psychological Science is born: This section shows how the heart of psychology changes over time. In 1879, at a germanRead MoreThe Diverse Nature Of Psychology1157 Words   |  5 Pages The Diversity Nature of Psychology Anna Van Norton PSY/490 June 29, 2015 Dr. Edna Foster The Diverse Nature of Psychology Psychology is a diverse area of study; it is not an easy task. The field of psychology is so diverse and is always changing and evolving. Because of the always expanding of nature, there is not just only one theory that can explain and answer all of the questions that are associated with psychology. Psychology has always been defined by its diversity. It is theRead MoreThe Profession Of Counselling Psychology1582 Words   |  7 PagesIntroduction The profession of counselling psychology has developed hugely during the past decade, this paper aims to provide a concise and general exploration of the nature of counselling psychology, it’s development history, where it stands among other traditional approaches, and how disciplines of psychology is linked with a range of models of psychotherapy. In 1982 counselling psychology started developing as a section within the British Psychological Society, and in 1994 it was then recognizedRead MorePsychology : Psychology And Psychology Essay784 Words   |  4 PagesSince the time of psychology’s origins in the 1500 s where Leonardo da Vinci s stated that there might be a relationship between the human brain and a person s psychological processes, psychology history and research has grown tremendously over centuries. Some of the most important events in psychology includes: William Wundt creating the first psychology lab in Germany to the American psychiatric Association (APA) publishing the first Diagnostic and Statistical Manual of Mental Disorders (DSM)Read MorePsychology : Positive And Negative Psychology1645 Words   |  7 PagesPositive psychology, is a new field of psychology that draw heavily on humanist influences. This area of psychology places its focus on understanding how to enhance our lives by studying wha t produces our happiness through the use of scientific methods to understand how this affects us leading healthy, happy and successful lives. Through the belief that society would like to lead meaningful and rewarding lives the goal of positive psychology is to, in addition the other fields of psychology, accompany

Essay about Gang Leader for a Day - 1786 Words

In the book, Gang Leader for a Day, a rogue sociologist passionately dives into the lives of one of Chicago’s toughest housing projects in an attempt to develop an insight as to how the urban impoverished lived. Throughout the text it becomes clear that a conflict paradigm is being reflected. A conflict society is based on social inequality, in which some individuals benefit and thrive more than others, which tends to lead to conflict and thus change. This is evident both in the housing projects where a gang known as the â€Å"Black Kings† take over and also in the surrounding neighborhoods where the more elite citizens, including persons from the authors university, shy away from associating with the nearby poor black nearby public, thus†¦show more content†¦Another flawed institution was the Chicago Housing Authority, which demolished public housing to replace it with recreation (262). Not only did they take away the only homes the poor had, but also inef fectively relocated them to a community where they could thrive. One of the main economic problems that many people, particularly gangs, in Robert Taylor faced was the fact that they didn’t want to trade in their status for entry-level jobs because in many cases, gang leaders made far more than they would have if they worked minimum wage jobs (72). Many of the gang leaders such as J.T. held the false belief that the drug economy was â€Å"useful for the community, since it redistributed the drug addict’s money back into the community via the gang’s philanthropy† (115). However, the drug economy is not a stable or lucrative economy compared to your average jobs because it was clearly very hard for people to get ahead in gangs, thus no one ever had a fair shot of earning more money in their life span. Nevertheless, the situation can tend to be a grey area of debate since a lot of the residents did attempt to hold blue-collar jobs but continued to get lai d off (60). In this case, the underground economy of drug sales may have been the only choice for residents looking for an income. Another way the gangs play into the economic situation is when there are drive by shootings, in which case parentsShow MoreRelatedGang Leader For A Day957 Words   |  4 Pagescompared to only 5.4% of unemployed white people (Street,2007). These statistics represent racial inequality which caused a lot of internal, and external damage to the black population. Rogue Sociologist, Sudhir Venkatesh’s (2008) novel called Gang Leader for a Day, reveals this disparity. In 1989 Sudhir participated in qualitative research, by studying the lives of people from the projects of Chicago. The projects are a subsidized housing development, provided by the government which requires low rentRead MoreGang Leader for a Day Essay2388 Words   |  10 PagesGang Leader For A Day SECTION 1 1.) How would you respond if a graduate student from an elite university turned up at your door and announced his intention to study you? If a graduate student from an elite university showed up at my door with intentions to study me, I think that I would allow him access. I would like the chance to hear what they had to say about my lifestyle. I’ve always questioned the way I live and if other peoples lives’ are similar. I don’t think that I live an oddRead MoreGang Leader for a Day Essay2292 Words   |  10 PagesInnovate Your Life In the book, Gang Leader for a Day by Sudhir Venkatesh, a sociology student from the University of Chicago starts out simply trying to understand â€Å"how it feels to be poor and black,† and ends up spending years and years figuring out the ins and outs of a gang society (Venkatesh 14). Sudhir receives the chance of a sociologist’s lifetime to see first-hand what life is like in the projects. He follows gang leader, J.T. around and studies his life at the Robert Taylor homes forRead MoreGang Leader for a Day by Sudhir Venkatesh1376 Words   |  6 Pagesunfamiliar with the black culture within Chicago. In his book Gang Leader for a Day, he tells of his sociology research within one of the roughest housing projects in Chicago. Sudhir starts his research by talking to a few elderly gentlemen he played chess with at the park. His conversation with them led him to the Robert Taylor Housing Projects which was described as one of the worst Ghettos in America. His research began the first day he arrived with his clipboard of questionnaires ready to askRead MoreGang Leader for a Day: Book Review1413 Words   |  6 Pagesï » ¿ Gang Leader for a Day Book Review It takes a lot of guts and no small amount of courage and cunning to infiltrate a street gang in the tough neighborhoods of Chicago, but that is what Sudhir Venkatesh did as a 23-year-old graduate student at the University of Chicago. In order to find out first-hand how a gang that earns its money selling crack cocaine functions from the inside, Venkatesh dared to get involved on a superficial basis with the gang. But Venkatesh wasnt seen as person who wasRead MoreGang Leader For A Day : A Rogue Sociologist1589 Words   |  7 Pages Having read the book Gang Leader for a Day: a rogue sociologist takes to the streets by Venkatesh (2008), based on my childhood education (formal and informal), life circumstances, personal and professional life experiences, I perceive JT to be a lawbreaker. Moreover, based on how our society informally defines a criminal or lawbreaker, JT is clearly someone who does not or will not conform with our collective legal standards or requirements based o n the majority opinion of the wider publicRead MoreGang Leader For A Day Chapter Summary2784 Words   |  12 PagesAP English Language Ms. Donohue Gang Leader for a Day Chapter Summary CH. 1- Characters 1 s Name: Sudhir Venkatesh. Sudhir is Indian, he was born lived in California. He walks into the projects and stays overnight with a gang even though he knows he doesn t fit in.ï » ¿ Sudhir respects J.T. s rules and isn t intrusive with the gang. Sudhir is a university student wanting his degree in Sociology. Sudhir is also intelligent because he goes undercover into a gang for his project that will gain himRead MoreThe Gang That The Author, Sudhir Venkantesh1148 Words   |  5 Pages I would describe the gang that the author, Sudhir Venkantesh, studies in this book as a deviant group because they are not following usual or accepted standards in social behavior. â€Å"Deviance is a behavior, trait or belief that departs from a norm and generates a negative reaction in a particular group†. (Real World, Kerry Ferris, Jill Stein, p 153) According to this definition we can definitely see gangs departing from a norm by committing many crimes and not obeying the laws. One example to deviantRead MoreSocial Control And Its Impact On America s Public Housing Essay1658 Words   |  7 PagesChicago’s public housing soon found themselves in dilapidated, drug-infested, crime-filled, isolated centers of despair. During a time in which most American citizens could easily turn their eyes from the struggles of the poor, Sudhir Venkatesh’s Gang Leader for a Day took readers into the depths of the world in which the poor resided. Through Venkatesh’s wor k, readers are inadvertently introduced to broader sociological concepts such as, collective efficacy within communities, the concentration effect,Read MoreEssay about Street Gangs in the United States1399 Words   |  6 PagesStreet gangs in this country can probably be traced back to the first wave of Europeans who migrated to the colonies for a better life for themselves and their families. Many of the first gangs were formed as a means of self protection, with the thinking that there is simply strength in numbers. The missions of gangs in today’s society have grown and emerged to include many violent criminal avenues, including drug trafficking, prostitution, money laundering, and extortion but the original thinking

Leading Managing People

Question: Discuss about theLeading Managing People. Answer: Introduction: Effective leadership can be identified as one of the major prerequisites for organizational success. As mentioned by Bush (2014) leaders are the ones who have the capacity to motivate and engage the team members to go beyond their limits to obtain a certain goal. However, leaders need to customize themselves according to the demands of the situation. Hence, depending on my own perspective and position, I have developed a leadership model which I think will be helpful for leading the employees of my workplace. Multiculturalism, teamwork and the leadership theories can be identified as a few major references of a leadership model. In the context of my company ABC, we have teams with members belonging from different cultural background and the company is following a transactional leadership. It is adversely affecting the team morale and culture of the organization. Hence, I suggest a leadership model, which will encourage participation, motivation and innovation. For my personal leadership model, I have selected the democratic leadership attitude, visionary pioneering and motivational guidance as the three core abilities for my leadership model. Discussion: A leadership model talks about the traits and characters of a leader. I personally recommend a model, which is organized upon the vision and relationship. As the leaders need to direct his subordinates, an effective leadership model needs to focus on creating team morale, open communication and vision for the future. With an effective bonding and a clear vision, the team members will be able to contribute to organizational as well as personal growth. Leadership is important in promoting multiculturalism in an organization. It talks about diversity in the work force. My leadership model will promote diversity by obtaining the strategy of democratic participation in the decisional making process. On the other hand, teamwork and co-ordination in the team is important for the success of an organization, the motivational and participatory leadership pattern of the proposed leadership model will uphold co-ordination in the teamwork. Last but not the least, the leadership theories like, the Great Man Theory, Trait Theory, Behavioural Theories, Contingency Theories, Transactional Theories, Transformational Theories and others are the guidelines for leaders. Here, I have amalgamated some traits of transformational and democratic leaders to develop my own leadership model. The Desired Traits of Leader: According to my opinion, I will love to have a leader who will be a visionary and focus on the relationship issues within the team members. As mentioned by Trujillo and Scott (2014) a transformational leader is someone who is committed to a vision and they try to empower others to achieve that vision. According to me, it is must have quality for an effective leader. A leader needs to be the pioneer of new trend. He has to be a man of future whom others can rely upon. Moreover, a leadership model must focus on the democratic decision-making. As opined by Tiftik et al. (2015) a democratic leader considers the opinion of the team members while taking a decision. According to me, a leader needs make the team members feel that their opinion matters to the company. Hence, having a democratic and open attitude is a must-have quality for a leader. As opined by Spector (2014) when a leader encourages his team members to take part in the decision-making, it makes them more engaged in the team activities. Moreover, a leader needs to be committed to his responsibilities and team members. It sets an example for the team members and they find someone whom they can look upon for their professional growth. The Core Values: Very leadership model has some core values. These are the cornerstones of that particular leadership model. My leadership model can be identified as an amalgamation of the transformational and democratic leadership theory. The core value of my leadership model can be as follows: Community Collaboration: I have identified relationship building as one of the major key skills of an effective leader. Hence, it is fundamental for a leader to establish a sense of community via collaboration with peers among the team members. In the multicultural world of business, crating co-operation and co-ordination is essential for effective management of a team. As discussed by Bush (2014) an effective leader needs to create co-operative environment within a multicultural group to eliminate the cultural clashes and uphold the advantages of diversity within the work force. Understanding the Team Members: A leader needs to understand and know the limitation and potentiality of the team members. As mentioned by Tiftik et al. (2015) a democratic leader needs to identify the future leader and allocate responsibility by showing the faith upon him by saying I know you can do this. However, he needs to identify the skills and area of interests delegate responsibilities accordingly. As a leader of a multi cultural team, he needs to identify the cultural and ethnic orientation of the employees and respect those to promote diverse point of views to solve any issue (Shriberg et al. 2002). Open Communication: With open communication and sharing of information, the leader will achieve desired level of trust from the subordinates (Shriberg et al. 2002). Moreover, it will also help the employees identify and speculate the future for their organizational and personal growth. Utility of the Discussed Model: In the context of my own organization, where the team consists of members with varied cultural identities and my model of leadership will encourage participation and increased team morale. As my organization is following a transactional leadership model, the employees are bound to maintain the protocol and there is no space for innovation. In opposition to this, my leadership model will encourage people to provide innovative idea to solve an organizational issue. Moreover, it will provide increase participation from the employees and it will ensure employee satisfaction and decreased cases of employee turnover (Shriberg et al. 2002). Culture that Would be Promoted by my Leadership Model: As mentioned by Tiftik et al. (2015) a transformational leadership creates a culture of innovation within the organization. As my own leadership model is influenced with the idea of visionary leadership of transformational theory, it will motivate the employees to opt for innovative ways of carrying out the responsibilities. On the other hand, my workplace is multicultural; hence, opting for the democratic leadership traits will provide the space for growth of multiculturalism (Shriberg et al. 2002). The core value of my leadership model of open communication will create a culture of understanding and harmony within the team members. Moreover, the democratic model of my leadership will promote employee satisfaction and increased faith upon the company values from the employees end. The employees will understand that they will be valued for their innovation and dedication for the work and not for the compliance of the norms. It will promote a culture of creativity within the organizat ion. The Goals of my Leadership Model: In my workplace, I have felt an issue with motivation and participation. My leadership model will strive to achieve, including all the team members in the decision-making process. Moreover, as we are bound to follow the protocols in my workplace, it discourses the team members to opt for innovation. Hence, my leadership model will try to motivate the employees to come up with innovative ideas for solving a certain problem. In addition, my leadership model will opt for achieving employee satisfaction and motivation to achieve team goals. Difference Between my Model and the Existing Leadership Pattern: My workplace follows a transactional leadership strategy. As opined by Ehrhart (2015) it follows the norms and the leaders expect that the employs will do as they are told. It has rigidity in working relationship. In my workplace the leaders focus on the role of supervision and the responsibility of any catastrophe is always of the employees. It uses the rewards and punishments for motivating the followers. It is typically focused on the attainment of planning and its execution (Shriberg et al. 2002). Naturally, the employees do not feel a democratic culture within the organization. It is discouraging their innovative faculty and satisfaction level. However, my idea of leadership will be completely different from it. My leadership model will encourage motivation and directing the behaviour of the employees to achieve a shard goal. As the members will get the opportunity to share opinion and innovate strategies to meet the goals, it will encourage them to achieve success. As a leader, I will need to put my trust on them. With motivating the employees my leadership model will promote the leaders of future. The nature of my leadership model will be proactive. As, discussed earlier, by emphasizing on the morals, values, needs, and ideals of the followers my leadership model will encourage a changed organizational culture. Application of my Model: To apply this model of leadership, I need to wait for a situation, which will need the management to opt for a new strategic policy. In such a situation, I will try to create a democratic environment within my team and ask for innovative suggestions from their end. It will encourage creativity and innovation within the organization. Moreover, in a complex situation I will communicate personally and openly with my team members and make them believe on the vision for future. I must follow the strategy of guiding but let the team members solve their problems. In addition, unlike the current leadership, I will accept my responsibility if any task goes wrong. My team members will not be blamed or discouraged for the innovative strategies they have opted for. Conclusion: A transformational leadership creates a positive change within the human resource of the organization. On the other hand, the democratic leaders promote participation, transparency and open communication within the organization. The leadership models suggested by the scholars are the embodiment of certain values. However, I personally believe that an effective leader cannot come from a certain typology. Hence depending my own perception, I believe that leader should be someone whom the followers will happily follow. Hence, with certain skills and values my leadership model will employ its charisma to influence the employees and motivate them to go beyond their limits to achieve the shared vision for future. References: Bush, T., 2014. Instructional and transformational leadership: alternative and complementary models?.Educational Management Administration Leadership,42(4), pp.443-444. Ehrhart, M.G., 2015. Self-concept, implicit leadership theories, and follower preferences for leadership.Zeitschrift fr Psychologie. Shriberg, A., Shriberg, D. and Lloyd, C. (2002).Practicing leadership. New York: J. Wiley Sons. Spector, P., 2014. Introduction: The problems and promise of contemporary leadership theories.Journal of Organizational Behavior,35(5), pp.597-597. Tiftik, H., KÄÂ ±lÄÂ ±, Ã…Å ¾. and Saglam, M., 2015. Leadership Theories and Comparison of Them.Journal of Research in Business, Economics and Management,4(2), pp.312-322. Trujillo, T. and Scott, J., 2014. Superheroes and transformers: Rethinking Teach For America's leadership models.Phi Delta Kappan,95(8), pp.57-61.