Power of One Word

A solitary word can be utilized to deprecate, hurt, and mortify. Single word can cause such a great amount of hurt to an individual that they burst into tears or winding down into a harming opening that they can't escape for an all-encompassing measure of time. From the beginning of time, names have been utilized to keep a populace in its place. Put-down have been heaved to cause a solitary individual to comprehend what another considers them. Words are utilized constantly to make harm an individual or a whole people groups soul. Single word can have a great deal of intensity. In â€Å"What's in a Name? †, Henry Louis Gates father was a very much regarded negro in his community.Maybe the better method to put it is progressively regarded. He maintained two sources of income, and being all the more monetarily effective raised the family's status. The Gates family was the main negro permitted into a nearby drugstore to really plunk down and eat. On one event, Mr. Doors and his da d went in together for frozen yogurt and his dad welcomed a white man. The white man, Mr. Wilson, reacted, yet called his dad â€Å"George†. George was a deriding name for dark men. Mr. Entryways requested that his father right the Mr. Wilson, thinking it had been a slip-up. At the point when he understood that Mr.Wilson had intentionally offended his dad, it changed something in him until the end of time. I trust Mr. Doors couldn't grasp Mr. Wilson recognizing and disparaging his dad simultaneously. For what reason did he say anything back by any means? For what reason would he be impolite intentionally? Mr. Doors, up until that second, had accepted that Mr. Wilson was a pleasant individual. After Mr. Doors' dad clarified that he called each dark man George, his assessment moved. The white man offended each dark man he knew. This was the first run through Mr. Doors could see that individuals were not generally who they seemed.He was befuddled regarding why his dad didn't rig ht Mr. Wilson. Without a doubt his dad more likely than not been offended. He more likely than not comprehended that Mr. Wilson intended to affront him. I accept he got humiliated for his dad and needed him to address Mr. Wilson, to go to bat for himself. His mom called it â€Å"just one of those things† (Gates 6), and he was vexed that they acknowledged that. Unfortunately they had such a large number of those minutes. He needed his dad to change something, to address an inappropriate. Tolerating it was agonizing and despicable. He composed that he would never look at Mr.Wilson without flinching again. Single word, â€Å"George†, made a young man see obviously a white man, his dark dad, their situations in the public eye, and the bad form that society endured. It changed his perspective on the world and of his family for eternity. In A Lesson Before Dying, a dark man, Jefferson, is condemned to be shocked for a homicide that he didn't submit. He was in an unlucky spot with two or three young men he had known as long as he can remember, and they were inconvenience. They ransacked an alcohol store that was possessed by a white man, and during the burglary the white man was killed.A dark man at the location of the wrongdoing never had any possibility of not being sentenced. At the point when the condemning piece of his preliminary came up, his legal counselor attempted to get him out of a capital punishment. The legal counselor guaranteed that he was what could be compared to a hoard. â€Å"I ask you, I entreat, look cautiously do you see a man staying here? † (7; pt. 3, ch. 1)†¦ â€Å"What equity would there be to end this life? Equity men of their word? Why, I may as well put a hoard in hot seat as this. † (8; pt. 4, ch. 1) Jefferson and his back up parent, Aunt Emma, are both profoundly influenced by the word hog.She approaches a family companion, Grant, to assist Jefferson with figuring out how to take care of business. She s ays, â€Å"I don't need them to execute no hog† and â€Å"I need a man to go to that seat, on his own two feet. † (13; pt. 2, ch. 2) She needs him to kick the bucket with respect. The first occasion when they see him after the court date, Jefferson has acknowledged being a hoard. He's harmed to such an extent that he snuffles and makes hoard clamors, saying that pride is for â€Å"youmans† (83; pt. 8, ch. 11) and they should just bring certain nourishments that pigs eat, since he was a hoard. Award has no clue about how to instruct pride to a man, yet after some time they start to communicate.They talk about frozen yogurt, which Jefferson needs for his last feast, and Grant presents to him a radio. This helps Jefferson to remember his humankind, and he thinks possibly Grant is attempting to benefit him. Award had been battling with his own devils since he returned to his old neighborhood after school. He no longer puts stock in God and is severe and beat somewhe re near the manner in which dark individuals are dealt with. He isolates himself from his locale since he feels that he does not have a place anymore. He feels that his loved ones don't see how white individuals keep them all in their place, and that they are feeble on the grounds that they simply acknowledge it.He never needed to support Jefferson and figured he could always be unable to have any kind of effect. Getting through to Jefferson causes him to understand that as much as he detests the manner in which life is in their humble community, he belongs. He is a piece of it and the individuals. He can at long last comprehend what Jefferson's auntie needed him to do, and discloses to Jefferson that he can bite the dust a man, that Jefferson can go to the seat with so much respect that he fortifies the entire network. They all owe something to one another, and like it or not, they should all be attempting to help each other out.Jefferson understands that since he adores his auntie he ought to figure out how to â€Å"be a man† so she can have tranquility when he bites the dust. At the point when he at long last goes to the seat, he is a man. He bites the dust with poise and deserts his imprint. White men know somewhere down in their souls that his discipline was low. He begins a moderate change in specific individuals in that town. Jefferson deserted more than he had carried with him to the world. Single word, â€Å"hog† changed two men until the end of time. Jefferson got himself and became something for the individuals to turn upward to. Award understood that he was worse than every other person, and started needing to improve his reality a place.The word hoard brought Jefferson down so low that he accepted he ought to eat slop off the floor and that they should simply hustle just a bit and butcher him. At the point when his opportunity at long last arrived, he was quiet and comprehended that he could really utilize this to benefit a few. He w as a man. Females can be appalling to one another. They can be horrible and subtle, and some of the time that is generally clear in sororities. Sororities have extreme and some of the time belittling undertakings and inceptions to turn into a part. The more established young ladies will tell their vows that they are failures, fat, or stupid.There is single word that is by all accounts tossed out as a general rule, and it ought to be a word that ladies don't use against one another, â€Å"bitch†. The young ladies that promise to sororities are searching for some place to have a place when they get to another school and are away from home just because. In a great deal of cases, rather than being invited and acquainted with their new school in a neighborly manner, they are gotten through inception and debasing circumstances. In Pledged, one of the commencements was placing the new young ladies in dazzle folds, stripping them down and laying them face down on the floor.Boys from an organization were without then to move around the live with markers and imprint on the young ladies. The young men would feature the regions on their bodies that the new young ladies expected to chip away at. (Robbins 259-260) Others sororities have marked their new young ladies with lit cigarettes or metal brands subsequent to urging the young ladies to drink vigorously and afterward stripping them down without their assent. (Robbins 258-259) Any young ladies who questioned this treatment, be that as it may, would be known as a bitch and kicked out. Ladies ought not be rewarding each other this way.It is difficult to comprehend that sororities, which ought to lift their individuals up, would need to expose their individuals to surprisingly more terrible treatment than what they previously observed at home, in the outside world. They put each other down and are continually revealing to them how to do their hair, how to dress, the amount to gauge, and acceptable behavior. The enti re time they are doing this, in any case, they are telling the new young ladies that they are sufficiently bad, and presumably won't have the option to fulfill those guidelines. They are informed that the entirety of this is to help develop themselves and it's everything for the more prominent good.If a young lady chooses to go to bat for herself, she will have no real option except to leave the sorority for not having the option to cut it. Young ladies that whined were known as a bitch and had their rooms scoured. (Robbins 359) The new young ladies are informed that the sorority is tearing them down so as to develop them back. It annihilates their trust in different young ladies and in a framework they thought would secure and sustain them. In Born Round, Frank Bruni consistently experienced a little difficulty with his weight. He originated from a major Italian family, where huge family suppers and having a ton of food in the house was normal.He had an individual battle with food. He realized he ought not eat so a lot and ate less carbs as often as possible since he was humiliated of his weight. At the point when he got into adulthood, he put on a considerable amount of weight at a certain point. He understood that he was judged, once in a while just by his weight alone. He got a kick out of the chance to eat notwithstanding, and found a new line of work as a food pundit. Beginning as a food essayist, he figured out how to hold his weight down to a sensible level. As time went on, notwithstanding, his weight began to crawl back up. At the point when he saw an old family companion while he was heavier, she made a decision about him and revealed to him he was so fat. Bruni, 35)This word. â€Å"fat† sent him into a slight wretchedness, where he put on considerably more weight. He consumed less calories once more, proceeding in his hover of here and there weight. It required some investment to acknowledge what his identity was and locate his sound weight, and a large portion of his mental issues with his weight originated from the word fat. A solitary word can be utilized to disparage, hurt, and embarrass. Single word can cause so much hurt that it makes an individual uncertainty what their identity is and their self-esteem. It can, be that as it may, make an individual more grounded. It

Research Woodrow Wilson and Franklin Roosevelt Paper

Woodrow Wilson and Franklin Roosevelt - Research Paper Example His New Deal program altogether augmented the capacity and duties of the U.S. central government. This paper breaks down and talks about the life and inheritance of Woodrow Wilson and Franklin Roosevelt as U.S. presidents. The conversation centers around their reaction to the greater national and worldwide issues during their administration. Woodrow Wilson, the 28th leader of the United States, viewed himself as the safeguard of the majority and the mouthpiece of the individuals. He announced, â€Å"No one yet the President is by all accounts expected†¦ to pay special mind to the general interests of the country† (Cook 98). He was a liberal reformist and took on worldwide initiative in making another worldwide request. He reported in 1917 that the inclusion of the United States in the First World War is a crusade to manufacture a world that is ‘friendly’ to just belief systems. Wilson had seen the loathsomeness and monstrosity of fighting. He was conceived in 1856 in Virginia to a Presbyterian minister of the Civil War. Subsequent to completing his investigations at Princeton and the University of Virginia Law School, he got his college degree at John Hopkins University and left on a scholastic calling (Freidel 61). Wilson advanced rapidly as a conventionalist, traditionalist youthful college teacher of political theory and was chosen in 1902 as head of Princeton. His prospering national notoriety energized various moderate Democrats to see him as a decent contender for administration. From the outset they persuaded him to run for the situation of New Jersey’s Governor in 1910 (Gaines 48). During the battle he announced his self-rule from the traditionalists and from the framework that had suggested him, advancing a liberal program, which he did as senator. In 1912, during the Democratic Convention, Wilson was assigned for administration and advanced the venture New Freedom, which accentuated singularity and the privileges of states. In the tripartite

Bankruptcy Guide Definition, Filing ?r?????, Consequences, Examples

Bankruptcy Guide Definition, Filing ?r?????, Consequences, Examples INTRODUCTION Ev?r??n? with ?v?n ?n? f?rm ?f d?bt has to m?n?g? their debts. If ??u just h?v? a littl? debt, ??u h?v? t? k??? u? ??ur ???m?nt? ?nd m?k? ?ur? it d???n’t get ?ut ?f ??ntr?l.Also, if you’re in over your head in d?bts, ??u h?v? to ?ut m?r? effort into ???ing off ??ur d?bt while tr?ing to m?n?g? you ?urr?nt basic expenses.The solution m??t individu?l? ?nd ?v?n bu?in????? t?k? in situations lik? thi?, i? to fil? f?r b?nkru?t??. I ??ll it the ultim?t? ????nd ?h?n??.M?n? people who fil? for b?nkru?t?? ?r?b?bl? n?v?r th?ught th?? w?uld. It? freeing, but it d?finit?l? can b? a ?tr???ful thing t? d?, but hey, it i? b?tter th?n doing n?thing about your debt.So l?t? t?k? a m?m?nt t? talk ?b?ut thi? second ?h?n??.UND?R?T?TING B?NKRU?T?YAlthough b?nkru?t?? i? ??m?li??t?d ?nd th? ?x??t ?t??? ??n v?r? fr?m one l???ti?n t? the ?th?r, b?nkru?t?? u??? the same terminology ?nd follows the ??m? basic process.Two m?in ??rti?? ?r? inv?lv?d in bankruptcy filings th? d?bt?r and th? ?r?dit? r. Th? d?bt?r i? th? party who has d?bt, or ?w?? m?n??, t? th? ?r?dit?r. A debtor ??n b? a company ?r ?n individu?l. The ?r?dit?r i? ?n ?rg?niz?ti?n ?r ??m??n? th?t ?l?im? the debtor ?w?? ?r???rt?, service, ?r m?n??. M??t b?nkru?t?? ????? involve several creditors.D?bt?r? can h?v? two different t???? ?f debt secured ?nd un???ur?d. With secured d?bt?, ?r?dit?r? have th? legal right t? something of ??ur? if ??u fail to m?k? th? proper ???m?nt?. Y?ur m?rtg?g?, f?r ?x?m?l?, is a secured d?bt. B? l??ning ??u th? m?n?? t? pay for ??ur house, th? b?nk g?t? a li?n on it. If ??u stop m?king mortgage ???m?nt?, the bank ??n f?r??l??? ?nd t?k? ???????i?n ?f ??ur house.WH?T I? BANKRUPTCY? Bankruptcy is a ??urt proceeding in whi?h a judg? ?nd ??urt tru?t?? ?x?min? the ????t? ?nd li?biliti?? ?f individu?l? ?nd bu?in????? that ??n’t ??? th?ir d?bt? ?nd d??id? whether to di??h?rg? those d?bt? so they ?r? n? longer legally r??uir?d t? ??? th?m or m?k? ???m?nt ?l?n?.S?und? lik? a get ?ut of j?il fr ?? card.A debtor can declare Bankruptcy (?l?? ??ll?d v?lunt?r? b?nkru?t??) ?r it ??n b? forced by ??urt ?rd?r? i??u?d ?n the creditors ??titi?n (also ??ll?d inv?lunt?r? b?nkru?t??).Bankruptcy laws w?r? written to giv? ????l? wh??? fin?n??? ??ll????d a ?h?n?? to start ?v?r. Whether it w?? b?d d??i?i?n-m?king or bad lu?k, lawmakers ??uld ??? th?t in th? ???n?m?, ??n?um?r? ?nd businesses wh? failed need a second chance.The tw? m?j?r objectives of a b?nkru?t?? ?r?Fair settlement ?f the l?g?l ?l?im? ?f th? creditors through ?n ??uit?bl? distribution ?f debtors ????t?, andT? ?r?vid? the d?bt?r ?n opportunity f?r fr??h start.Bankruptcy ?m?unt? to a business-failure, but v?lunt?r? winding u? does n?t.P???l? dont fil? b?nkru?t?? because it? ?n ???? d??i?i?n to ??m? t?. It? b???u?? they dont have ?th?r ?h?i???.- Ik? Shulm?n, C?-?h?ir ?f th? N?ti?n?l A????i?ti?n ?f C?n?um?r B?nkru?t?? Att?rn??? legislative committeeR????n? ????l? go b?nkru?tB?nkru?t?? can happen to ?n??n?. In fact, the average b?nkru?t ??r??n l??k? a l?t lik? you. They can be m?rri?d or ?ingl?, ??ung or ?ld, male ?r f?m?l?.The truth ?f th? m?tt?r is, th?r? ?r? a variety ?f ri?k f??t?r? th?t ??n l??d to bankruptcy.i. Unexpected di???t?rIt i? a myth that b?nkru?t?? i? ?lw??? a result of ??m?thing ??u ??n control. Oft?n the ??u??? ?f b?nkru?t?? ?r? n?t something w? b?rg?in?d f?r. Thi? m?? include a major ??r or home r???ir, a h?u?? fire or even something ?? catastrophic ?? a d??th in the f?mil?.L??? of ?r???rt? du? t? th?ft ?r ???u?lt?, such ?? earthquakes, floods ?r tornadoes f?r whi?h the ?wn?r is n?t in?ur?d can force ??m? int? b?nkru?t??.M?n? h?m??wn?r? ?r? likely unaware th?t they mu?t t?k? ?ut ????r?t? ??v?r?g? f?r ??rt?in ?v?nt? ?u?h ?? ??rth?u?k??.Th??? wh? d? not h?v? coverage for thi? t??? ?f ??ril can face th? loss ?f n?t ?nl? th?ir h?m?? but m??t ?r all of their ???????i?n? as w?ll. N?t only mu?t th?? then ??? to r??l??? these items, but th?? must ?l?? find immediate f??d ?nd ?h?lt?r in th? m??n tim?.Furthermore, th??? wh? lose th?ir w?rdr?b?? in ?u?h a ??t??tr??h? m?? n?t b? ?bl? to dress appropriately f?r their w?rk, whi?h could ???t th?m th?ir j?b?.Without ?d??u?t? ??ving? ?nd th? right in?ur?n??, the ???t ?f a m?j?r di???t?r ??n l??d to b?nkru?t??.ii. Financial MismanagementThanks t? inflation, m?n?ging m?n?? i? harder than ?v?r; ?nd a ??mbin?ti?n ?f b?d budgeting, un??ntr?ll?d ???nding ?nd ?x????iv? use ?f ?r?dit is th? ?n? of th? l??ding causes ?f b?nkru?t??.In truth, h?ving more d?bt th?n you ??n h?ndl? m?? h?v? started ?ut by over-spending ?r b? poor u?? ?f ?r?dit ??rd debt h?w?v?r w? often find th?t in m??t cases the tip ?v?r the edge ???ur? when ??mbin?d with one of th? above ??u???.Wh?n you ?r? h??vil? in d?bt, ?nd do not h?v? adequate savings to f?ll b??k on, ?n un?x???t?d ?v?nt ?u?h as ?n illness, j?b l??? or div?r?? can bring ?n already risky ?itu?ti?n t? th? brink.Th? best w?? t? ?v?id fin?n?i?l mi?m?n?g?m?nt i? t? ?r??t? a budg?t so that ??u monitor b?th you r in??m? ?nd expenses and m?k? ?ur? th?t you ???nd ?nl? wh?t ??u ??rn. It i? ?l?? im??rt?nt t? establish a savings plan for ?x??n??? that ??uld l??d to more d?bt.Whil? b?nkru?t?? ??n ?r?vid? a ??n?ibl? debt solution f?r some ????l?, others h?v? f?und that, b? consolidating th?ir d?bt?, th?? ??n avoid th? tr?ubl? ?nd ?x??n?? ?f b?nkru?t?? ?nd ?till take ??ntr?l ?f th?ir fin?n???.Whi?h?v?r m?th?d w?rk?, the im??rt?nt thing is to ?t?rt d??ling with th? ?itu?ti?n as ???n ?? possible â€" because d?bt is ?n? problem th?t, unf?rtun?t?l?, d???n’t disappear ?n it? ?wn.iii. M?di??l ExpensesA ?tud? d?n? at Harvard Univ?r?it? indicates th?t thi? is th? biggest ??u?? of b?nkru?t??, r??r???nting 62% of ?ll ??r??n?l b?nkru?t?i??. On? ?f the interesting ??v??t? of thi? study shows that 78% ?f fil?r? h?d some form of h??lth in?ur?n??, thu? bu?king th? m?th that medical bills affect ?nl? the uninsured.R?r? ?r ??ri?u? diseases ?r injuries ??n easily result in hundr?d? ?f thousands of dollars in m?di ??l bill? bills th?t ??n quickly wi?? ?ut ??ving? ?nd r?tir?m?nt ????unt?, college ?du??ti?n fund? ?nd h?m? ??uit?.On?? th??? h?v? b??n ?xh?u?t?d, b?nkru?t?? m?? be the only shelter l?ft, regardless ?f wh?th?r th? patient or hi? ?r h?r f?mil? w?? able t? ???l? health ??v?r?g? t? a portion ?f the bill ?r not. (Find out wh?t ??u ??n do t? ?v?id a fin?n?i?l m?ltd?wn when theres a m?di??l ?m?rg?n??).iv. Job LossWh?th?r du? to l???ff, termination ?r r??ign?ti?n, a r?du?ti?n in income du? t? a d??r???? in ?v?rtim? ?r a ?ut-b??k in total h?ur? worked ?r th? l??? ?f in??m? fr?m a job ??n be ??u?ll? d?v??t?ting.S?m? ?r? lu?k? ?n?ugh t? r???iv? ??v?r?n?? packages, but m?n? find ?ink ?li?? on th?ir d??k? ?r lockers with littl? ?r n? ?ri?r notice. N?t having an ?m?rg?n?? fund t? dr?w from ?nl? w?r??n? thi? ?itu?ti?n, and u?ing credit ??rd? t? ??? bill? ??n b? di???tr?u?.Th? l??? ?f in?ur?n?? ??v?r?g? ?nd the cost of COBRA in?ur?n?? ?l?? drain th? job ???k?r? ?lr??d? limited r???ur???.Th??? wh? ?r? un?bl? t? find ?imil?r g?inful ?m?l??m?nt for an extended period ?f time m?? n?t b? ?bl? t? r???v?r fr?m the l??k of income in tim? t? k??? th? creditors ?t b??v. P??r/Ex???? U?? ?f CreditSome ????l? ?im?l? cant control th?ir spending. Cr?dit card bills, in?t?llm?nt d?bt, car and ?th?r loan ???m?nt? can ?v?ntu?ll? spiral out ?f control, until fin?ll? the b?rr?w?r is un?bl? to m?k? ?v?n th? minimum ???m?nt ?n ???h type of d?bt. If th? b?rr?w?r ??nn?t ?????? fund? fr?m fri?nd? ?r f?mil? ?r ?th?rwi?? ?bt?in a d?bt-??n??lid?ti?n loan, th?n bankruptcy i? u?u?ll? th? in?vit?bl? alternative.Statistics indicate that most d?bt-??n??lid?ti?n plans f?il for v?ri?u? r????n?, ?nd u?u?ll? ?nl? d?l?? filing f?r m??t participants. Alth?ugh h?m?-??uit? l??n? can b? a g??d remedy f?r unsecured d?bt in ??m? ?????, once it is ?xh?u?t?d, irresponsible b?rr?w?r? can f??? f?r??l??ur? on their homes if th?? ?r? unable t? make thi? ???m?nt ?? well.vi. Div?r??/S???r?ti?nM?rit?l di???luti?n? ?r??t? tr?m? nd?u? fin?n?i?l ?tr?in on both ??rtn?r? in several ways. Fir?t of all, you get to pay th? l?g?l f???, which ??n b? ??tr?n?mi??l in ??m? ?????, f?ll?w?d b? a divi?i?n of marital ????t?, d??r?? of child ?u???rt ?nd/?r ?lim?n?, and finally th? ?ng?ing cost ?f keeping u? tw? separate h?u??h?ld? ?ft?r th? split.The legal ???t? ?l?n? are ?n?ugh to f?r?? some t? fil?, while w?g? g?rni?hm?nt? to ??v?r back ?hild ?u???rt ?r ?lim?n? ??n strip ?th?r? ?f th? ability to pay th? r??t ?f their bills. Spouses wh? f?il to ??? the support di?t?t?d in th? ?gr??m?nt ?ft?n l??v? th? other ??m?l?t?l? d??titut?vii. Student L??n?If ??u haven’t ??id that ?tud?nt l??n off ??t, ??u’r? n?t ?l?n?. Statistics ?h?w th?t student l??n? account for at l???t ?n? percent of ?ll U.S. b?nkru?t?i??, whi?h translates t? roughly 15,000 b?nkru?t?i?? a ???r.In business, ???ur?d debt ??n g?t v?r? complicated. V?ri?u? business loans may giv? ?r?dit?r? a li?n against intangible aspects ?f th? bu?in???, such ?? ??t?nt?, trad emarks or int?ll??tu?l ?r???rt?. Th? ?r?dit?r ??n ?till r???????? property that h?? a li?n ?g?in?t it, ?v?n if ??m? ??rti?n ?f the debt has b??n di??h?rg?d ???ur?d debt ??nt ?v?r be full? di??h?rg?d. Th? debtor ??n either m?k? the ???m?nt? and k??? th? it?m, ?r ?t?? ???ing ?n the d?bt and h?v? th? item repossessed. S??ur?d ?r?dit?r? are ?lw??? ??id first in a b?nkru?t?? ??ttl?m?nt.TY??? ?F B?NKRU?T?YF?ll?wing the Unit?d Sates b?nkru?t?? laws, th?r? are several types ?f bankruptcy for which individu?l? ?r bu?in????? ??n fil?.Th? m??t ??mm?n are Chapter 7 and Ch??t?r 13.Ch??t?r 7 BankruptcyCh??t?r 7 i? ?l?? ??ll?d straight b?nkru?t?? ?r liquidation b?nkru?t??. Its th? t??? m??t ????l? think about when th? w?rd b?nkru?t?? ??m?? t? mind. In a nut?h?ll, the ??urt ????int? a tru?t?? to ?v?r??? your ????.P?rt of th? trustees j?b i? to t?k? your assets, ??ll th?m ?nd di?tribut? the m?n?? to th? ?r?dit?r? wh? fil? proper ?l?im?. Th? trustee d???nt t?k? ?ll ??ur ?r???rt?. The Ch??t?r 7 bankr uptcy giv?? you a chance t? r???iv? a ??urt judgm?nt th?t releases ??u fr?m responsibility f?r r????ing debts, it allows d?bt?r? t? get rid ?f most ?f th?ir debts and ?t?rt over with a clean ?l?t?.You are permitted to k??? k?? assets, ??n?id?r?d “exempt” property, but “n?n-?x?m?t ?r???rt?” such ?? a will b? ??ld t? r???? part of your d?bt.Pr???rt? ?x?m?ti?n? v?r? from ?t?t? t? state. You m?? ?h???? to f?ll?w ?ith?r ?t?t? l?w ?r f?d?r?l law, which may ?ll?w ??u t? k??? m?r? possessions.Ex?m?l?? of exempt ?r???rt? include ??ur h?m?, th? ??r you use f?r w?rk, ??ui?m?nt you u?? at w?rk, Social S??urit? ?h??k?, ??n?i?n?, v?t?r?n’? benefits, w?lf?r? ?nd retirement ??ving?. These thing? can’t b? ??ld ?r u??d t? r???? d?bt.N?n-?x?m?t ?r???rti?? in?lud?? thing? like ???h, b?nk ????unt?, ?t??k inv??tm?nt?, coin or stamp ??ll??ti?n?, a ????nd ??r or second home, ?t?. Non-exempt it?m? will be ??ld off ?nd th? proceeds used to repay l?nd?r?.Y?ur ????t? will be ??ld b? a ??urt-????int ?d b?nkru?t?? tru?t??. The ?r????d? g? t?w?rd ???ing th? tru?t??, ??v?ring ?dmini?tr?tiv? f??? ?nd, if fund? allow, r????ing ??ur ?r?dit?r? ?? mu?h as ????ibl?.Ch??t?r 7 is th? m??t ???ul?r form ?f bankruptcy, m?king up 63 ??r??nt ?f individu?l b?nkru?t?? ????? in 2015.Ch??t?r 7 Di??h?rg? of DebtsM??t d?bt? are di??h?rg?d und?r a Ch??t?r 7 b?nkru?t??. Th? di??h?rg? ?f d?bt will release th? d?bt?r fr?m any ??r??n?l li?bilit? f?r ???m?nt. Once a deficit i? di??h?rg?d und?r Ch??t?r 7, th? ?r?dit?r m?? no longer ???k futur? restitution from the ?r?dit?r.Oblig?ti?n? r?l?ting t? ?lim?n?, ?hild ?u???rt, ??m? g?v?rnm?nt d?bt?, in??m? t?x??, ?nd f?d?r?l ?tud?nt l??n? ?r? n?t allowable f?r r?l???? during b?nkru?t??.The l?w is very r??tri?tiv? on di??h?rging m?n?? ?w?d for income t?x?? ?nd ?tud?nt loans. The United St?t?? B?nkru?t?? C?urt lists 21 ??t?g?ri?? ?f n?n-di??h?rg??bl? d?bt?.In m??t in?t?n???, fil?r? r???iv? a discharge approximately tw? m?nth? ?ft?r th? m??ting ?f th? ?r?dit?r?. Th? d?bt?r ?h?uld r?t?in bankruptcy documents, as du?li??t?? ??n b? ???tl?, ?nd ?r?dit?r? m?? attempt t? r???v?r d?bt ?ft?r discharge.Th? in?t?n?? ?f b?nkru?t?? will appear on ?r?dit reports f?r ten ???r? from th? filing d?t?.   A person ??nn?t fil? ?nd r???iv? a subsequent Chapter 7 di??h?rg? within ?ight ???r? of a previous Chapter 7 discharge.Examples ?f a Ch??t?r 7 B?nkru?t?? C???Fir?t ?x?m?l?John and Sh?il? h?v? two children. When J?hn w?? discharged fr?m th? Arm? ?ft?r six ???r? ?f service, th? money w?? tight. Aft?r th?ir children w?r? born, John landed a j?b ?? a d?liv?r? m?n, but th? ??l?r? was substantially l??? th?n his military ???. Monthly bills b???m? a ?truggl?, ??n?id?ring th? d??r????d in??m? ?nd in?r????d ?x??n???.Trying t? b? ?m?rt and ?rud?nt, th?? stopped u?ing th?ir credit ??rd?. But there w?? still credit ??rd debt th?t b?g?n early in their m?rri?g?. Th? finance ?h?rg?? ?nd l?t? f??? began t?king a t?ll. Wh?n th? ?r?dit?r? b?g?n ??lling, Sh?il? ?lr??d? w?? unnerv ed whil? ??ring f?r tw? active ?hildr?n.Th? ?r?dit?r? ???n ??ll?d J?hn ?t hi? j?b ?nd ??id th?? w?uld l?g?ll? ??iz? his paycheck. J?hn ?nd Sh?il? decided th?? had ?n?ugh. They contacted a b?nkru?t?? l?w??r for a ??n?ult?ti?n. B? filing a Chapter 7 b?nkru?t??, th?? ?t????d the phone ??ll? and harassment. Their credit-card d?bt w?? eliminated. Because they rented a house ?nd ?wn?d tw? older v?hi?l??, mu?h ?f th?ir life w?? k??t in ?rd?r.S???nd ?x?m?l?Consider M?ri? i? a r?tir?d t???h?r ?n a fix?d in??m?. Sh? ??ld h?r h?m? and m?v?d in with h?r daughter. She h?d ?x??ll?nt ?r?dit b???u?? ?f ?n-tim? ???m?nt? on h?r m?rtg?g?. C?r?ful with her m?n??, ?h? ?l?? h?d no d?bt.Sh? agreed t? ???ign on a m?bil? h?m? l??n for her gr?nd??n ?nd a ??r loan for her gr?ndd?ught?r. H?w could ?h? say no? And h?r credit was ?t?rling.But tw? years l?t?r, th? m?bil? home was r?????????d after th? gr?nd??n was div?r??d. Th? gr?ndd?ught?r’? ??r w?? r?????????d ?ft?r ?h? l??t h?r j?b. There w?? substantial d? bt remaining when th? car ?nd home were sold ?t ?u?ti?n.M?ri?, in f?iling health, was hounded b? ?r?dit?r? who ??ll?d about the d?fi?i?n?? ?l?im?. Maria fil?d a Chapter 7 bankruptcy, whi?h ?t????d th? harassment ?nd eliminated th? deficiency ?l?im?. Her social security and retirement in??m? were ?x?m?t ?nd ?r?t??t?d in the bankruptcy.Chapter 13 BankruptcyChapter 13 bankruptcies make up ?b?ut 30 percent ?f non-business b?nkru?t?? filing?. A Chapter 13 b?nkru?t?? inv?lv?? repaying some ?f ??ur d?bt? t? h?v? th? rest f?rgiv?n.   Thi? i? an ??ti?n for ????l? wh? d? not w?nt t? give u? th?ir ?r???rt? or do not ?u?lif? for Ch??t?r 7 because th?ir income i? too high.People can ?nl? fil? f?r b?nkru?t?? und?r Ch??t?r 13 if their d?bt? d? n?t exceed a ??rt?in ?m?unt. Th? ????ifi? cutoff is r??v?lu?t?d periodically, so ??u h?v? t? check with a l?w??r or credit ??un??l?r f?r the most u?-t?-d?t? figures.Und?r Ch??t?r 13, ??u mu?t design a thr??- t? fiv?-???r repayment ?l?n f?r ??ur ?r?dit?r?. On ce ??u ?u?????full? ??m?l?t? the plan, th? r?m?ining debts ?r? ?r???d.H?w?v?r, m??t people d? n?t ?u?????full? finish th?ir ?l?n?. When thi? h????n?, debtors may th?n choose to pursue a Chapter 7 b?nkru?t?? instead. If they dont, ?r?dit?r? th?n ??n r??um? th?ir ?tt?m?t? t? collect th? full b?l?n?? ?w?d.Th? Chapter 13 bankruptcy, or ?im?l? the payment plan, is ?n ?tt?m?t to reorganize your debt ?v?r tim?. It? a gr??t t??l f?r d?bt?r? wh? ?r? behind in h?u?? ???m?nt? ?r ??r payments. Those ???m?nt? ??n be caught u? with th? payment plan over time, th?r?b? saving the h?u?? fr?m foreclosure ?r th? ??r from r????????i?n.Th? ?l?n will ?l?? in?lud? any ???t due ?ri?rit? ?l?im?, lik? alimony, ?hild ?u???rt, ?r recent in??m? taxes.Th? Ch??t?r 13 bankruptcy ??n also in?lud? ???m?nt? t? un???ur?d ?r?dit?r? like credit cards ?nd m?di??l bill?. A ??l?ul?ti?n i? ???li?d t? your in??m? and ?x??n??? t? d?t?rmin? if you h?v? ?n? disposable in??m?, th?t i?, after all other ?blig?ti?n? ?r? m?t.Y?ur? e xpected to d?v?t? ??ur di?????bl? in??m? t? your ?l?n ???m?nt, and th?t ?xtr? m?n?? will be u??d t? ??? unsecured ?r?dit?r? like th??? ?r?dit ??rd? and m?di??l bill?.If you h?v? no di?????bl? income, thats okay, the d?bt? might ?till be di??h?rg?d b???u?? ??uv? d?v?t?d ??ur b??t ?ff?rt to ???ing ??ur bills through Chapter 13.Ch??t?r 13 Discharge of D?bt?Similar to a Chapter 7 b?nkru?t??, at th? ?nd of the ?l?n, most ?r ?ll of ??ur d?bt? will b? di??h?rg?d. Y?u may b? l?ft with d?bt? th?t ?r? n?t di??h?rg?d, lik? ?tud?nt l??n?.A? in Chapter 7, th? Chapter 13 di??h?rg? i? personal, m??ning that if there i? someone wh? is ?l?? ?blig?t?d ?n ?n? ?f the di??h?rg?d d?bt?, h? ?r she is ?till li?bl? for th? d?bt.Ex?m?l? of a Chapter 13 B?nkru?t?? C???What a ?u?????ful Chapter 13 b?nkru?t?? ???li??nt look lik??C?n?id?r J?hn and Cathy, a married ??u?l? with a home that ??rri?r? a $150,000 m?rtg?g?. J?hn works, C?th? doesn’t, but th?? fil? j?intl? for Ch??t?r 13 protection. Th? ??u?l? also ?w ?? $7,000 on a car l??n ?nd has nearly $20,000 in credit ??rd debt.Two weeks ?ft?r filing a ??titi?n, th?? ?ubmit a w?rk?ut ?l?n th?t shows how J?hn’? income ??n b? u??d t? m?k? m?rtg?g? ?nd ??r ???m?nt?, ?nd ??n repay ??rt of the unsecured ?r?dit ??rd d?bt. Th?ir ?l?n includes thr?? ??t?g?ri?? ?f debt: priority secured and un???ur?d.Pri?rit? ?l?im?, whi?h must b? full? ??id, in?lud? th? cost of th? b?nkru?t?? proceeding and t?x?? owed. S??ur?d debts ?r? th??? with ??ll?t?r?l, like a h?u?? ?r a car, ?l?? mu?t b? ??id in full according t? th? bankruptcy ?l?n. R????m?nt ?f un???ur?d d?bt?, lik? m?n?? you ?w? ?n credit ?nd ?h?rg? ??rd?, i? fl?xibl?. Th? judge will r?vi?w ??ur income and th? l?ngth ?f th? repayment plan, and then d??id? how much ??u’ll ?w? ??ur un???ur?d ?r?dit?r?. Th? amount ??uld r?ng? fr?m n?thing to ??m?l?t? repayment.F?r J?hn ?nd C?th?, thi? means ???ing ?ll the ??urt ???t? ?nd wh?t?v?r back t?x?? they might owe. It also m??n? th?? will b???m? current ?n th?ir mortgage and ??r ???m?nt?. But the judge will d??id? h?w mu?h th??’ll n??d to pay th? ?r?dit ??rd ??m??ni??.On?? th?ir ?l?n i? ?????t?d, the ??u?l? will begin m?king ???m?nt? t? a ??urt-????int?d tru?t?? who will b? responsible f?r monitoring their progress ?nd ??nv??ing the money to the ?r?dit?r?.Oth?r Diff?r?nt Types ?f BankruptcyChapter 9: Th? chapter 9 i? d??ign?d f?r ?nl? t? cities or towns. It ?r?t??t? municipalities fr?m creditors whil? the ?it? d?v?l??? a ?l?n for handling it? d?bt?. Thi? typically happens wh?n indu?tri?? ?l??? ?nd ????l? l??v? to find w?rk ?l??wh?r?. Th?r? w?r? 20 Chapter 9 filing? in 2012, th? most since 1980. Detroit w?? among th??? filing in 2012, and i? th? largest ?it? ?v?r t? fil? Chapter 9. D?tr?it’? GDP shrunk b? 12.2% in th? 10 years ?ri?r to d??l?ring b?nkru?t??. The ?v?r?g? m?j?r m?tr? gr?wth in th?t time w?? 13.1%.Chapter 11: Thi? i? d??ign?d for bu?in?????. Chapter 11 i? often referred to ?? “reorganization bankruptcy” b???u?? it gives bu?in????? a chance to stay ???n while th?? r??tru?tur? th? bu?in???’ d?bt? ?nd ????t? ?? it ??n ??? b??k ?r?dit?r?. This is used ?rim?ril? by l?rg? ??r??r?ti?n? like General M?t?r?, Cir?uit Cit? and United Airlin??, but ??n be u??d b? any ?iz? bu?in???, including partnerships ?nd in ??m? r?r? ?????, individu?l?. Th?ugh the bu?in??? ??ntinu?? t? ???r?t? during b?nkru?t?? ?r????ding?, most ?f th? decisions ?r? m?d? with ??rmi??i?n from the ??urt?. Chapter 11 i? ?ll ?b?ut r?h?bilit?ti?n. It giv?? companies th? chance to ?t?? in business ?nd ??ntr?l th? bankruptcy ?r????? at th? ??m? tim?. H?w?v?r, r??rg?niz?ti?n is ??m?l?x and ?x??n?iv?. B?ndh?ld?r? ?nd ?h?r?h?ld?r? inv?lv?d with Ch??t?r 11 b??r unu?u?ll? high risk, ?nd their ???uriti?? ?r? likely t? b???m? worth pennies on th? d?ll?r. In th? ???t, a business h?d ?n ?lm??t unlimit?d ?m?unt ?f time to come u? with th?ir r??rg?niz?ti?n ?nd payment ?l?n. Th? B?nkru?t?? Abu?? Pr?v?nti?n ?nd Consumer Protection Act of 2005 im????? a 120- d?? tim? limit. If th? debtor h?? not submitted a ?l?n within th?t ??ri?d, ?r?dit?r? can ?ubmit their ?wn ?l?n?.   A t??i??l ?x?m?l? of chapter 11 case i? that ?f worldcom, in 2002 with ?v?r $41 billi?n debt l??d.Chapter 12: Ch??t?r 12 b?nkru?t?? i? another ?ub??t ?r t??? ?f b?nkru?t??. it i? ?nl? ?v?il?bl? to “family f?rm?” ?nd “family fi?h?rm?n” and giv?? th?m a chance t? ?r????? a ?l?n to r???? all or part of th?ir debts. Th? court h?? a ?tri?t d?finiti?n of wh? ?u?lifi?? ?nd it’s based ?n r???iving r?gul?r annual in??m? ?? a f?rm?r ?r fi?h?rm?n. An individual or m?rri?d ??u?l? with a f?rming or commercial fi?hing ???r?ti?n may fil? f?r Ch??t?r 12. Al??, it i? im??rt?nt t? n?t? that debts f?r individuals, ??rtn?r?hi?? ?r corporations filing f?r Ch??t?r 12 can’t ?x???d $4.03 milli?n f?r f?rm?r? ?nd $1.87 f?r fi?h?rm?n. Th? r????m?nt ?l?n mu?t b? ??m?l?t?d within fiv? ???r?, though ?ll?w?n??? ?r? m?d? f?r th? ?????n?l nature of both farming ?nd fi?hing.Chapter 15: Chapt er 15 ???li?? t? cross-border in??lv?n?? ?????, in which th? d?bt?r h?? ????t? ?nd d?bt? both in the United States and in ?n?th?r country. Thi? chapter w?? ?dd?d t? th? b?nkru?t?? ??d? in 2005 ?? ??rt ?f th? B?nkru?t?? Abuse Pr?v?nti?n and Consumer Pr?t??ti?n Act. Chapter 15 cases start ?? financial ruin ????? in a f?r?ign ??untr? ?nd make their w?? t? the U.S. C?urt? to try ?nd ?r?t??t fin?n?i?ll? tr?ubl?d bu?in????? fr?m g?ing und?r. Th? U.S. ??urt? limit their scope ?f ??w?r in th? ???? t? ?nl? the ????t? or persons th?t ?r? in th? Unit?d St?t??. Th? number ?f ????? fil?d under Chapter 15 ?in?? 2005 t? 2017, was 6 and 178 respectively. S?m? recent Ch??t?r 15 filing? in?lud? Alitalia S?A, th? It?li?n ?irlin?, U.S. St??l Canada (f?rm?rl? kn?wn ?? Stelco), ?nd M??d Mu?i? (f?rm?rl? Muz?k).FILING PROCESS FOR BANKRUPTCYG?tting the right help wh?n ??u fil? f?r bankruptcy is ?ru?i?l to it? ?u?????, wh?th?r ??u file ?n ??ur own, g?t a l?w??r, ?r u?? a b?nkru?t?? ??titi?n ?r???r?r. Conside r seeking a ??n?ult?ti?n with ?n attorney t? h?l? you d??id? wh?th?r ??u need l?g?l representation ?r ??n ?im?l? g? it ?l?n?.M?n? b?nkru?t?? attorneys offer initial consultations fr?? ?f ?h?rg?.Bankruptcy is n?t simply a m?tt?r of telling a judge “I’m br?k?!” ?nd throwing ??ur??lf ?t the mercy ?f th? ??urt. There is a ?r????? â€" a ??m?tim?? ??nfu?ing, sometimes ??m?li??t?d ?r????? â€" which individuals ?nd bu?in????? must w?d? thr?ugh t? b? ?u?????ful.How t? File f?r B?nkru?t??Following th? Unit?d State ???t?m, b?f?r? a bankruptcy ???? i? fil?d, youll have to g?th?r ?ll ??ur financial records lik? bank ?t?t?m?nt?, ?r?dit ??rd statements, l??n d??um?nt?, ?nd paystubs.Thi? n?t only gives you a b?tt?r und?r?t?nding ?f your ?itu?ti?n, but also gives anyone h?l?ing ??u (?nd ?v?ntu?ll? the ??urt) a better und?r?t?nding ?f th? d?bt.Y?ull ?l?? use th?t information to fill ?ut th? b?nkru?t?? ??titi?n, ??h?dul??, statement ?f financial affairs, and other documents th?t will b? fil?d wi th the ??urt.Th? n?xt step i? t? r???iv? credit ??un??ling within 180 d??? before filing your ????. Thi? is a r??uir?d ?t??. Y?u must ?bt?in ??un??ling fr?m ?n ???r?v?d provider li?t?d on th? United States C?urt? w?b?it?. Most counseling agencies ?ff?r thi? service ?nlin? ?r over th? phone.Th? courts w?nt you t? d? thi? t? make ?ur? ??u have ?xh?u?t?d ?ll ????ibiliti?? ?f finding a diff?r?nt w?? to h?ndl? ??ur ?r?bl?m. It’? important t? und?r?t?nd th?t ?r?dit counseling is r??uir?d. Y?u will r???iv? a ??rtifi??t? ?f ??m?l?ti?n from th? course ?nd thi? mu?t b? ??rt ?f the ????rw?rk wh?n you d??l?r? b?nkru?t??, ?r ??ur filing will b? r?j??t?d.N?xt, you fil? th? petition f?r b?nkru?t??. If ??u h?v?n’t d?n? ?? ?t thi? point, thi? might be wh?r? ??u realize ??u n??d t? find a b?nkru?t?? l?w??r. L?g?l ??un??l i? not a r??uir?m?nt f?r individu?l? filing f?r ?ith?r Ch??t?r 7 or Chapter 13 b?nkru?t??; h?w?v?r ??ur? taking a ?ignifi??nt ri?k if ??u ??l??t to r??r???nt yourself.F?r ?n? thi ng, ??u m?? not understand f?d?r?l or ?t?t? bankruptcy laws ?r b? ?w?r? whi?h l?w? ???l? to ??ur ????, ?????i?ll? r?g?rding wh?t d?bt? ??n ?r ??n’t b? di??h?rg?d. Judges ?r? n?t permitted t? ?ff?r ?dvi?? and n?ith?r is th? court ?m?l????? inv?lv?d in a ????.Th?r? ?l?? are m?n? f?rm? t? ??m?l?t? and ??m? im??rt?nt diff?r?n??? b?tw??n Chapter 7 and Ch??t?r 13 th?t you should be ?w?r? of when m?king d??i?i?n?. Fin?ll?, if you d?n’t kn?w ?nd f?ll?w th? ?r???r procedures and rul?? in ??urt, it ??uld ?ff??t th? ?ut??m? ?f your case.Wh?n ??ur ??titi?n is ?????t?d, your ???? is ???ign?d to a ??urt trustee, wh? ??t? u? a meeting with your creditors. You must attend th? m??ting, but the ?r?dit?r? d? not have to b? there.Thi? m??ting with ?r?dit?r? is kn?wn ?? the 341 m??ting, r?f?rring t? ???ti?n 341 of the Bankruptcy ??d?. Thi? i? ?n opportunity f?r them t? ask ??u ?r the court trustee questions ?b?ut ??ur ???? ?nd why ??u ?r? filing f?r bankruptcy. Arrangements f?r ??lling ??ur n?n-?x?m ?t ?r???rt? are m?d?.Also, arrangements ?r? m?d? f?r ?r???rt? pledged ?? ??ll?t?r?l in ???ur?d l??n?B?f?r? m??t debtors can r???iv? a di??h?rg? of d?bt, th?? will h?v? t? t?k? a ??ur?? in financial m?n?g?m?nt. This class is lik?l? t?ught by the ??m? group th?t ??u used for the ?r?dit counseling.And fin?ll?, if the trustee and th? ?r?dit?r? do not ?bj??t to th? d?bt?r? di??h?rg?, the bankruptcy ??urt will automatically giv? th? d?bt?r a discharge at ??m? ??int after the last d?? t? object. Th? l??t d?? t? fil? a ??m?l?int ?bj??ting t? a d?bt?r? di??h?rg? i? 60 days ?ft?r the fir?t session ?f the meeting of ?r?dit?r?.If n? ??m?l?int is fil?d, the di??h?rg? is u?u?ll? ?nt?r?d ??v?r?l d??? later. The di??h?rg? prevents creditors fr?m attempting t? ??ll??t ?n? debt ?g?in?t you ??r??n?ll?, th?t arose ?ri?r to the filing ?f th? b?nkru?t??.Thu?, for all int?nt? ?nd purposes, th? di??h?rg? effectively wi??? ?ut debtsC?N??QU?N??? ?F B?NKRU?T?Y Alth?ugh th?r? ?r? many m?th? surrounding b?nkru? t??, filing f?r bankruptcy d??? in fact h?v? ??v?r?l factual ??n???u?n??? th?t you should consider. Some of these ??n???u?n??? ?r? positive, ??m? n?g?tiv?, ?th?r? are ??m?wh?r? in b?tw??n.Lik? ?n? other l?g?l ?r?????, th?r? ?r? various factors th?t you ?h?uld w?igh before und?rt?king a b?nkru?t?? filing.H?w?v?r, b?nkru?t?? i? a unique legal process, ?nd ?? a r??ult, many n?n-b?nkru?t?? l?w??r? can b? quite ??nfu??d b? it? consequences.Alw???, your b??t b?t wh?n ??ur? thinking ?b?ut filing a Ch??t?r 7 ?tr?ight b?nkru?t?? ?r a Ch??t?r 13 repayment ?l?n case i? t? ??n?ult with a qualified ??n?um?r b?nkru?t?? ?tt?rn??. H?r? ?r? ??m? ??n???u?n??? of b?nkru?t??.Personal Di??h?rg?St?rting off ?n a ???itiv? n?t?, ?n? consequence of completing th? b?nkru?t?? ?r????? i? th? discharge. Th? di??h?rg? i? a permanent ?rd?r fr?m the bankruptcy ??urt th?t forever ?r?v?nt? ??ur ?r?dit?r? fr?m tr?ing t? collect ?n most debts that ??u incurred b?f?r? ??u fil?d f?r bankruptcy and this takes th? pressur e ?ff ??u.There ?r? ?x???ti?n?.S?m? debts cannot b? di??h?rg?d in b?nkru?t?? (lik? r???nt taxes, alimony, ?hild ?u???rt, ?nd a f?w ?th?r?), ?nd ??m? ??n b? discharged und?r ??rt?in ?ir?um?t?n??? (?tud?nt l??n?). Th? di??h?rg? is the u?u?ll? the ultimate g??l of bankruptcy and ??n b? considered the m??t positive ??n???u?n??.H?w?v?r, a n?g?tiv? ?????t of th? di??h?rg? i? that it d??? not ?xt?nd t? ??ur property. For example, if ??ur h?m? loan lender h?? a right ?f ???????i?n ?n ??ur h?u??, thi? right will remain ?ft?r bankruptcy, and the l?nd?r ??uld be fr?? to f?r??l??? ?n your home if ??u d?f?ult ?n ??ur l??n.Y?u may b? ?bl? to w?rk ?ut a d??l with ??ur lender for wh?t i? called a reaffirmation, ?n agreement t? t?k? th? l??n ?ut of b?nkru?t??. But that would r??uir? th?t ??u ??ntinu? m?king ???m?nt?.The discharge ?l?? d??? n?t extend t? ?n? ?th?r ??r??n who owes ?n the ??m? d?bt. F?r ?x?m?l?, if you and ??ur brother both use th? ??m? ?r?dit card f?r purchases, the di??h?rg? w?uld ?? ??nti?ll? erase the d?bt as to you, but n?t ?? to your brother.PrivacyA n?g?tiv? ??n???u?n?? of filing f?r b?nkru?t?? i? th?t ?v?r?thing ??u fil? with the ??urt, including ?ll ?f ??ur b?nkru?t?? schedules, which contain ??ur ??r??n?l fin?n?i?l inf?rm?ti?n, ??n b? ???????d b? th? ?ubli?.But in r??lit?, unl??? ??m??n? has a r????n t? kn?w ??ur? in b?nkru?t??, th? ?h?n?? ?f ??m??n? ?th?r th?n a ?r?dit?r ??????ing the information i? v?r? ?m?ll.A l??k of ?riv??? i? th? ?ri?? ?n? ???? f?r the great benefit provided by a b?nkru?t??. F?r ??m? individu?l?, the lack ?f privacy m?? be a deal breaker. H?w?v?r, in ??m??ri??n with th? result you g?t with b?nkru?t??, th? privacy factor ??n ???m f?r l??? significant.NOTE: Very sensitive inf?rm?ti?n i? ?r?t??t?d. F?r in?t?n??, ??u can only in?lud?:th? last f?ur digit? of th? social-security numb?r ?nd t?x????r-id?ntifi??ti?n numb?r;th? year ?f an individu?l? birth;a min?r? initi?l?; andth? l??t f?ur digits ?f a financial-account numb?r.P???ibl? L??? ?f Pr???rt?Pr?b?bl? the most n?g?tiv? consequence ?f b?nkru?t?? is th?t ??u m?? l??? ??m? ?f your ?r???rt? to the b?nkru?t?? trustee.Em?h??i? ?n th? w?rd m??! If ??u ?r? able to ?u?????full? ?x?m?t ?ll of ??ur ?r???rt? the tru?t?? will n?t b? ?bl? t? ??ll it. Ev?n if you cannot exempt all ?f your ?r???rt?, it m?? not b? w?rth it for a trustee t? ??ll ??ur ?r???rt?.For ?x?m?l?, if it is going t? ???t $1000 to ?u?ti?n ?ff a car th?t i? w?rth $850, th? tru?t?? i? lik?l? g?ing to l?t ??u k??? th? ?r???rt?. Th? tru?t?? will only ??ll ??ur n?n-?x?m?t ?r???rt? if he ?r ?h? b?li?v?? th?t a n?t g?in ??n b? ?bt?in?d.Automatic St??An?th?r positive ?????t ?f filing f?r bankruptcy i? th? ?ut?m?ti? ?t??. Th? ?ut?m?ti? ?t??, ?? the name suggests, i? an ?rd?r ?f th? b?nkru?t?? court th?t goes int? ?ff??t as soon as ??u fil? your b?nkru?t?? case. The ?ut?m?ti? ?t?? i? v?r? broad ?nd prevents ?r?dit?r? from d?ing ?n?thing t? collect a debt from you, such as calling ??u, writing you a collection lett er, ?uing you, ?nd ?th?r ??ti?n?.Th? ?ut?m?ti? ?t?? remains in ?ff??t to ?r?t??t you until th? b?nkru?t?? ??urt i??u?? your di??h?rg?. Th? stay continues in ?ff??t ?? t? property ?f the bankruptcy ??t?t? until the ???? i? closed (in most cases, shortly ?ft?r the di??h?rg? i? i??u?d).Alth?ugh, in ??m? ????? like t?x ?r????ding? during a t?x ?udit ?r t?x ??????m?nt, or ?u???rt ??ti?n? ?u?h ?? ?hild ?u???rt ?r ?lim?n?, ?r criminal ?r????ding?, th? automatic ?t?? will n?t h?l? you.Cr?dit ScoreThe change in your ?r?dit score ?? th? result ?f a bankruptcy filing i? mix?d. Usually, a b?nkru?t?? filing will ?u?h ??ur score t? th? b?tt?m ?f the proverbial b?rr?l. A Ch??t?r 7 filing will ?t?? ?n your credit r???rt for 7-10 ???r?, whil? a Ch??t?r 13 will remain th?r? f?r ??v?n.And ?n? ?r?dit?r? ??u hit up for d?bt (? l??n, ?r?dit ??rd, lin? ?f ?r?dit ?r mortgage) will ??? the di??h?rg? on ??ur r???rt, which will ?r?v?nt you fr?m getting any ?r?dit. Th? exact im???t ?n your ???r? d???nd? on h?w much d?bt was discharged and how m?n? diff?r?nt accounts w?r? involved. For instance, bankruptcy may have v?r? littl? im???t ?n someone wh? ?lr??d? has b?d ?r?dit â€" which i? ?ft?n the case f?r filers.Thi? might apply t? ????l? with ???r?? of 500 ?r l?w?r. And thi? ??n b? a gr??t concern f?r m?n? people.H?w?v?r, you ??n slowly r?build your credit ?ft?r th? b?nkru?t?? and in?r???? your ?r?dit ???r? t? a ??int high?r th?n before you fil?d for b?nkru?t??. Alth?ugh a b?nkru?t?? will ?t?? ?n ??ur ?r?dit r???rt f?r many ???r?, it many tim?? will h?v? a n?t ???itiv? effect in the ?nd.FINAL THOUGHTSAlw??? r?m?mb?r th?r? ?r? ?th?r w??? of h?ndling ??ur d?bt. M??t ????l? ??n?id?r bankruptcy ?nl? ?ft?r they ?ur?u? d?bt ??n??lid?ti?n or debt settlement. Th??? options can help ??u get your finances back ?n tr??k and wont n?g?tiv?l? im???t your ?r?dit ?? much ?? a bankruptcy.Debt consolidation combines ?ll ??ur loans and d?bt t? h?l? you m?k? r?gul?r and tim?l? payments on your d?bt?. D?bt ??tt l?m?nt ?n th? ?th?r h?nd i? a means ?f negotiating with ??ur creditors to l?w?r your balance. If ?u?????ful, it dir??tl? r?du??? ??ur d?bt?.S? ?lw??? ???k th? b??t l?g?l ?nd financial ?dvi?? b?f?r? filing for b?nkru?t??.

Gender Differences, Gender, And Women - 885 Words

The 3 key Themes, surround men in the 1900s when they did not respect women out of there wifely duties. In the 1900s women generally had fewer legal rights and career opportunities than men. Wifehood and motherhood were regarded as female’s professions. â€Å"A man in the 19th century owned his wife and children as he did his material possessions.†(Susan gazelles). Most middle and upper class women had servants to do some or all of the housework. Some women were involved in, teaching in schools for poor children, making clothes for the poor and running kitchens. Also ways women were treated first was measured in what class you were in, then carried off unto if you were pretty or not then ended with what religion you were in. Women always had it hard just like African Americans in the 1900s The 3 Themes that are seen throughout the play Trifles are gender differences, females having an identity and women vs. men. I will explain the great meanings behind the messages of t hese powerful and symbolic themes The 1st theme surrounding gender differences is first found when we realize that most of the story, the two genders are separated socially and mentally. Glaspell shows examples of this throughout the play, and also demonstrates it through the characters actions These were trifles to the men but in reality they told the story and only the women could see that† (Sherif 774). In Trifles, the men believe that they give females an identity by the females not having a first nameShow MoreRelatedGender Differences In Women1060 Words   |  5 PagesThis integrative review explores the difference of the onset-to-hospital arrival time between females and males with acute strokes. The results demonstrate that the means and medians of the hospital arrival times among female patients seem to have more delay than male patients, particularly in the Asian-Pacific region. However, the various evidences show that gender difference is not statistically signific ant. Among thirteen articles that showed gender differences in pre-hospital delay time, 9 studiesRead MoreGender Differences For Women Entrepreneurs790 Words   |  4 Pagesprofession, although they have different characteristics that show women can be the best choice when it comes to entrepreneurship. The author in â€Å"Analysis of Gender Differences for Women Entrepreneurs by SWOT Model,† Hongbo Li states when more female entrepreneurs are shown in society there is greater development in the economy. Hongbo Li gives many strengths and traits; that females have that make them stand out, and set them apart from men. Women have demonstrated throughout the years and with the help withRead MoreGender Differences Between Men And Women1058 Words   |  5 PagesGender differences between men and women Abstract Gender difference can be expressed in many ways. In our daily life, there are many phenomenon can be explained by gender difference. For example, man always like to pay attention to political news, but women focus on gossip news; Women like shopping very much but men never want to go shopping; for the same thing men and women will make different evaluations. These entire phenomenons are because of gender difference. How the gender difference showRead MoreGender Differences Between Men And Women1417 Words   |  6 Pagesmany events that have set the stage to analyze gender differences between men and women in history. Whether these gender differences exist in the way in which they communicate, influence, or lead, men and women have always been viewed as different and unique sets of people. These differences have, to a certain extent, put black mens in the environment at a disadvantage because of their perceived inferiority to the world, mainly due to historical gender inequalities, d iscrimination of racism. EspeciallyRead MoreGender Differences Between Men And Women1185 Words   |  5 Pagescontroversial and intriguing at the same time. This study approached the hypothesis of gender differences between men and women in spiritual well-being. The study used the Spiritual Well-Being Scale (Ellison, 1983) and assessed 75 college students in the survey. The study resulted in data that confirmed the hypothesis that men and women do not have any significant differences in spiritual well-being. â€Æ' Gender Differences in Spiritual Well-Being The examination of spiritual well-being has been a long andRead MoreGender Differences Between Men And Women1992 Words   |  8 PagesThere is much debate on the issue of personality differences between men and women, some believe that that men and women are vastly different, others only slightly and the rest firmly believe that we are no different from each other at all. A large quantity of research has been conducted in order to try to find this out. 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Argumentative Essay On Abortion - 1380 Words

Abortion the deliberate termination of a human pregnancy, most often performed during the first 28 weeks of pregnancy. Abortion is one of the most common medical procedures preformed in the United States each year. More than 40% of all women will end a pregnancy by abortion at some time in their reproductive lives. Abortion, it is simply the one of the most debated issue in our society today. â€Å"Is abortion bad?† â€Å"Is the fetus a baby?† â€Å"Why is it bad to kill a fetus if it’s not living?† The simple answer to these questions is yes and no. Each person’s perception on abortion really comes down to your own decision whether if you think abortion is good or bad. Today in society now what is most common to do in situations like these is to comes†¦show more content†¦Most women tend to feel more satisfaction going through the medical procedure because it they dont go through the risk of having surgery. Surgical abortions involve the m anual labor for a doctor to go up into the cervix and uterus and extract the fetus from the womb. This procedure can cause serious infections to the womans parts and can also be extremely painful due to the surgical instruments used in the procedure. In some cases abortion might be a beneficial factor in which it can prevent the life endangerment of the mother and in some cases prevent abandonment from the mother not being able to handle the baby or take care of it. But a vast majority of abortions are made when women are raped and become pregnant from aggressors.Theyre often aborting the fetus to forget the unwanted memory of rape. But a lot of young girls who get pregnant get an abortion cause they can’t simply take care of the child due to school college etc theyre putting themselves first so when they are ready for a baby they can financially support a child. If a young teen was to have the baby instead then all the focus will go to the baby and the young mother wouldn t be able to continue her dreams of pursuing a college career. The carrier or future mother should have the full responsibility whether if she wants to abort the fetus or have a baby. Having a baby can be difficult and in some cases very expensive. Some women may also abort the fetusShow MoreRelatedAbortion Argumentative Essay : Abortion934 Words   |  4 PagesJensen English April 29, 2014 Abortion Argumentative Essay On average about 41.6 million unborn children are aborted every year. Abortion is killing an unborn baby and it should be illegal. Abortion is wrong because it supports irresponsibility by parents. It gives the unborn children no choice or opportunity at life. In addition, instead of abortion, parents could put up the child for adoption, benefiting people that cannot have children of their own. 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Like the Chinese Yin and Yang sign, abortion has a very prominent ‘black and ‘white side but also contains traces of each in the alternating colour. This shows that if you were to come to any kind of conclusion on abortion, there would still be a downside toRead MoreArgumentative Essay On Abortion1304 Words   |  6 PagesIn this argumentative essay I would like you, the reader to consider a public issue from my perspective and my belief system on the matter. I’ll be supporting my view on a common and overlooked procedure conducted by women and medical doctors within a walk in clinic and home. This procedure is known as an Abortion, also known as a voluntary abortion. The definition provided by Dictionary.com is  Ã¢â‚¬Å"the removal of an embryo or fetus from the uterus in order to end a pregnancy.† There have been manyRead MoreArgumentative Essay On Abortion1546 Words   |  7 Pagesmother.† Abortion is the way of ending pregnancy by removing the fetus or embryo before it can survive outside the matrix, which can also allow women to choose whether they want to become a mother or not. However, people have developed the controversy about abortions. Abortion debate is an ongoing debate which has involved moral, legal, biological and religious status of the induced abortion. In this controversy, there are two groups emerged. The group of people who hold the opinion that abortion shouldRead MoreArgumentative Essay On Abortion1364 Words   |  6 PagesAbortion is known as the termination of human pregnancy. There are mixed opinions from the public on whether abortion is considered murder or not. 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I grew up in the catholic faith, and pre marital sex is not accepted, and abortion was blasphemy towards life. But my best friend grew up in a pro choice family, and later told me that she received an abortion. I was confused about her choice and how it was legal for herRead MoreArgumentative Essay On Abortion789 Words   |  4 Pages Abortion and Women’s Health Is abortion murder? Abortion is the medical or surgical procedure that ends a pregnancy. It has been a controversial issue ever since it has existed. In Roe v. Wade (1973), the US Supreme Court ruled that the Constitution protects a woman’s right to an abortion through the end of the first trimester or the twelfth week of pregnancy. Psychological and physical as well as negative effects on the society because of abortions. The abortion rights have brought

Influence of 16th Century Society on English Literature Free Essays

The Sixteenth Century (1485-1603) Literary works in sixteenth-century England were rarely if ever created in isolation from other currents in the social and cultural world. The boundaries that divided the texts we now regard as aesthetic from other texts that participated in the spectacles of power or the murderous conflicts of rival religious factions or the rhetorical strategies of erotic and political courtship were porous and constantly shifting. It is perfectly acceptable, treating Renaissance texts as if they were islands of the autonomous literary imagination. We will write a custom essay sample on Influence of 16th Century Society on English Literature or any similar topic only for you Order Now One of the greatest writers of the period, Sir Philip Sidney, defended poetry in just such terms; the poet, Sidney writes in The Defence of Poetry(NAEL 1. 933-54), is not constrained by nature or history but freely ranges â€Å"only within the zodiac of his own wit. † Many sixteenth-century artists, such as Christopher Marlowe, Edmund Spenser, and William Shakespeare, brooded on the magical, transforming power of art. This power could be associated with civility and virtue, as Sidney claims, but it could also have the demonic qualities manifested by the â€Å"pleasing words† of Spenser’s enchanter, Archimago (NAEL 1. 63), or by the incantations of Marlowe’s Doctor Faustus (NAEL 1. 990-1025). It is significant that Marlowe’s great play was written at a time in which the possibility of sorcery was not merely a theatrical fantasy but a widely shared fear, a fear upon which the state could act with horrendous ferocity. Marlowe’s tragedy emerges not only from a culture in which bargains with the devil are imaginable as real events but also from a world in which many of the most fundamental assumptions about spiritual life were being called into question by the movement known as the Reformation. Catholic and Protestant voices struggled to articulate the precise beliefs and practices thought necessary for the soul’s salvation. One key site of conflict was the Bible, with Catholic authorities trying unsuccessfully to stop the circulation of the unauthorized Protestant translation of Scripture by William Tyndale, a translation in which doctrines and institutional structures central to the Roman Catholic church were directly challenged. The Reformation is closely linked to many of the texts printed in the sixteenth-century section of Spenser’s Faerie Queene (NAEL 1. 628-772), for example, in which a staunchly Protestant knight of Holiness struggles against the satanic forces of Roman Catholicism. Text: The Norton Anthology of English Literature Vol. 1. 6th ed. (NAEL) How to cite Influence of 16th Century Society on English Literature, Papers

Why Should We Honor Our Veterans Essay Essay Example

Why Should We Honor Our Veterans Essay Paper A veteran is someone who fought in a war as a soldier, sailor, etc. However, this definition is not close to describing he heroism of these veterans, who lay down their lives for American freedom. Jeff Miller once said, move willingness of Americas veterans to sacrifice for our country has earned them our lasting gratitude. On Veterans Day, we gather to honor those who have served our country, whether it was five years ago, or fifty. Whether they served in the Persian Gulf, or Bosnia, we gather to revere them and give them the respect and the thanks that they deserve. We thank them for protecting us from those who mean to do us harm. After all they have done for us, medals seem insufficient. All veterans deserve to be recognized for their valiant actions. Veterans, who have served in wars, such as Vietnam, the Korean Expedition, and most recently, the war in Iraq, had to spend months at a time, not only away from their family, but also in very dangerous battle zones. In 2010, Sergeant Salvatore A. Giant sprinted through heavy fire to get his squad leader to safety in Afghanistan. He fired at the enemy while running straight through their lines. Like this, they had to be willing to compromise their lives in order to save a fellow soldier or innocent civilian. We will write a custom essay sample on Why Should We Honor Our Veterans Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Why Should We Honor Our Veterans Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Why Should We Honor Our Veterans Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer With every war we have fought, some of these people have died, been wounded or have been driven mad from mental anguish and are forced to relive their traumatic experiences. Veterans are true heroes, and they will always be in the hearts and memories of all Americans. Everyone in the United States should use this one day not as a day to relax, but as a day to honor the veterans who have strives to work towards protecting our freedom. Veterans who willingly put their lives in danger to ensure our freedom, deserve to be recognized as heroes in my eyes, as well as everybody else.

Micro-analysis Tablet Industry Essay Example

Micro Micro-analysis Tablet Industry Paper Micro-analysis Tablet Industry Paper It can also be argued that the increase in sales could be driven by back-Washbowl promotions. Because the tablet PC market is reaching its maturity stage because of the growing number of sellers, the choice available to the consumer is big. The worldwide tablet market is led by Apples Pad product line. Although Apples market share decreased with % In one year, it maintains its leading position in 2014 with 22,8 % share of the market. Samsung is ranked on the second place with 18,3 % of the market share. SASS holds a number three position despite its decreased market share from 7. 4% in 2013 to 6. 5% in 2014. Leno, who occupied the number 3 position in the second quarter of 014, digressed to the 4th position with only 3 million units with a 5. 7% QUO market share. Finally, RCA achieved Its number five position by shipping 2. 6 million units and also bumping their market shares up to We could therefore state that the tablet industry is a oligopoly with Apple occupying the leading position, challenged by Samsung and SASS, Leno and RCA as main followers in this market. Brief analysis of Porters Five Forces In this paragraph the five factors of the Porters Five Forces Model will be briefly discussed. Firstly, the extend of competitive rivalry Is quite high due to the large umber of competing companies. Although it is forecasted that Apple and Samsung are going to remain their leading position in the medium term, it is possible that these leaders could be challenged by other companies since more and more competitors are starting to appear in the table industry. As we can see in the table above, 41 . 8% of the market share is hold by other companies than the top five vendors of tablets and they are all trying to obtain market share. There Is a big competition between the tablet companies because innovation is needed to survive n this industry as technologies continue to transform. Concerning the bargaining power of buyers, customers can switch tablet brand without actual costs. They have the choice between a large number of different tablets from different companies. Because these products arent largely differentiated, every type of customer can choose every type or brand of the tablet. The only factor that could restrict the power AT Dryers Is ten Tact Tanat one AT ten operating system Is parterre over ten toner one, but this can only be considered as a small restriction. Overall, the power of the client an thus be considered high. The bargaining power of the supplier on the other hand is rather low as companies in this industry are manufacturing their products by themselves and thus are not dependent of a supplier. The threat of potential new entrants into this market can be considered rather low or medium as it can be difficult for new companies to catch up with the big companies who already have experience and a high brand awareness and because of the high startup capital that is needed to enter this industry. Finally, the threat of substitutes is high as the customer has the choice between a wide range of products who are able to offer the buyer more or less the same functionalities.

Happy Valentines Day Quotes for Your Love

Happy Valentine's Day Quotes for Your Love There is no such thing as a perfect occasion to say I love you. The right moment is now. If your dearest is away at work, surprise him or her with a text message on Valentines Day. Or meet your sweetie for a quick lunch with some awesome chocolate cupcakes for dessert. Send two dozen roses to the office with a beautiful note attached. These quotes can help you find just the right words to make Valentines Day special. Quotes About Love VoltaireLove is a canvas furnished by nature and embroidered by imagination. John LennonAll you need is love. Erica JongAnd the trouble is if you dont risk anything, you risk even more. Charles DickensHave a heart that never hardens, and a temper that never tires, and a touch that never hurts. Charles Hanson TowneI need the star shine of your heavenly eyes, after the days great sun. Lao-TzeKindness in words creates confidence, kindness in thinking creates profoundness, kindness in giving creates love. William ShakespeareLove is a smoke made with the fume of sighs. Love looks not with the eyes, but with the mind,And therefore is winged Cupid painted blind. Who ever loved that loved not at first sight? Thomas Robert DewarLove is an ocean of emotions entirely surrounded by expenses. AristotleLove is composed of a single soul inhabiting two bodies. Honore de BalzacLove is the poetry of the senses. Zora Neale HurstonLove makes your soul crawl out from its hiding place. Lee Iacocca My father always used to say that when you die, if youve got five real friends, then youve had a great life. Wu TiNot loving is but a long dying. Romain RollandOne makes mistakes; that is life. But it is never a mistake to have loved. Antoine de Saint-ExuperyThe arms of love encompass you with your present, your past, your future; the arms of love gather you together. True love begins when nothing is looked for in return. Eden AhbezThe greatest thing youll ever learn is just to love and be loved in return. J. KrishnamurtiThe moment you have in your heart this extraordinary thing called love and feel the depth, the delight, the ecstasy of it, you will discover that for you the world is transformed. Henry MillerThe only thing we never get enough of is love, and the only thing we never give enough of is love. Victor HugoThe reduction of the universe to a single being, the expansion of a single being even to God, this is love.George Sand There is only one happiness in life: to love and be loved. Dr. SeussYou know youre in love when you cant fall asleep because the reality is finally better than your dreams. Barbara DeAngelisYou never lose by loving. You always lose by holding back. Sarah  BernhardtYour words are my food, your breath my wine. You are everything to me.

Judaism - Reflection Paper Essay Example | Topics and Well Written Essays - 250 words

Judaism - Reflection Paper - Essay Example My community is frequently among the communities that are not driven by such forces. That is the Judaism Community. I therefore feel under no obligation to compare the gender assumption in my religion and community against any particular prejudiced social standard. Let Judaism rise or fall on its assumption regarding the roles played by men and women. It would be very painless pointing a finger to a Muslim and declare that women have little or no role in the religion and even words from their Holy Quran prohibits women from getting involved from achieving particular theological standards. But on the other side, women from the Muslim religion can also point to the Judaism religion and claim the same inferiority complex. As much as some religions may claim to be modernized, in Catholic faith the pope and his entire clergy has never agreed women to serve as priests. How then will women have any success when it comes to religious factors? Undeniably, Jewish custom and religion revolves around the synagogues, and this is then a fact that gender assumption is unequally played well. If the laws and rules are to be followed regarding the position of Men and women in the society then, Judaism women would ever remain voiceless. It would therefore be my suggestion that, a swift amendment be done on Judaism theological and religion literature, relative to all that is demanded in both old and New Testament bible. The synagogue where laws and rules concerning the way of living for the community signify just a tiny fraction of what Judaism pertains! There is a dire need to go beyond that and have vast knowledge concerning the lives of people and whether its theology, religion or the modern factors that should dictate their way of

Interview Questions Essay Example | Topics and Well Written Essays - 500 words

Interview Questions - Essay Example These highlight the differences, however there are similarities as well, as both micro-level and macro-level analysis involve understanding how the activities of specific entities creates somewhat of a trickle-down effect on all aspects from either an individual level or wide-scale business/government/finance activities. Opportunity costs can best be defined as the largest-valued decision that is relinquished after a decision has already been determined. Opportunity costs are different for each individual or organization and they represent what has been missed in order to fulfill a different objective. For example, a student who decides they must take a full-time class load at a local university would have several opportunity costs: They would lose time with friends in order to study hard or they would miss out on working at their fathers business in order to receive a higher education. This is an important economic model as it indicates scarcity and further aids in decision-making to assist in determining what the best course of action is once a decision has been made. Suppose that more companies receive permission to drill for oil in Alaska and U.S.-controlled waters. In addition, assume that the popularity of SUVs declines in favor of smaller, more fuel efficient automobiles. What will be the result on the market (supply, demand, price, and quantity) for oil in the U.S.? How does this move the supply and demand curve? The demand for oil would be considerably less, as more fuel efficient automobiles represents less consumer need for gasoline. At the same time, with companies digging in Alaska (and other areas), the supply of oil would also continue to increase. When this happens, when demand decreases and supply increases, likely the most significant impact would be a temporary lowered price for oil, at least until the demand for it grew. Assume that before the dig in Alaska gasoline was $3.50 per gallon. Afterward,

How Arthur Miller Creates Tension in A View From The Bridge :: Arthur Miller

Show how Arthur Miller creates a tense atmosphere at the end of act one of ‘A View From The Bridge’ In the play ‘A View From The Bridge’ there are many ingredients that finish with the final dish at the end. Usually, when you know the ingredients to a dish, you could guess what it would taste like or look like. Basically, there are many pressure points in the play that lead to the final outcome, and that outcome is very obvious. The audience would not be surprised when they get to the end, many would see it coming from far. The play is set in New York, in the Red Hook neighborhood in the borough of Brooklyn, next to the docks. It’s a quiet simple community of Italian immigrants, who follow an unwritten respectful Italian law. The Italians keep to themselves pretty much as they feel as though they have been separated from their Italian roots. The ‘unwritten law’ requires for everyone to be respected, and it also encourages revenge, as it shows in the play. This Sicilian Code Of Conduct consists of honor, marriage, family well being, revenge hospitality, love, respect and strictly no snitching. The Sicilian Code Of Conduct shows all sorts of good things that also relate to the philosopher’s idea of a good and honest life. If Eddie could have stuck to this advice, and kept his feelings and anger to himself (which would have been impossible for Eddie), everything would have turned out better. Italy represents homeland, origin and culture for the citizens of Red Hook. But Italy represents different things to the main characters in the play, for example Catherine associates Italy with mystery, romance and beauty, but Rodolpho on the other hand is actually form Italy, and thinks it is a place with little opportunity, that he feels justified from escaping from. All of the characters appreciate the benefits of living in the US, but still strongly hold to Italian traditions. Italy is the basis of the cultural traditions in Red Hook, and it serves as a touchstone to unite the community, with their own laws and customs. The main areas of tension are when, Eddie gets frustrated when Rodolpho tells him lemons are green, Eddie is rude about Italian wives, Eddie tells Rodolpho that America is as strict as Italy, Catherine asks Rodolpho to dance, Eddie claims that Rodolpho is not a real man, Eddie punches Rodolpho, Rodolpho asks Catherine to dance and the last one is when Marco raises a chair over his head as warning.

Unit 051

Unit 4277-051 Promote communication in health, social care or children's and young people's settings 1. 1 Identify the different reasons why people communicate There are 6 main reasons why people communicate. First to build relationships, it's important for the staff and the parent to build relationships but also the staff and the child. It is also important for staff to build relationships with other staff members. Another reason you have to maintain this relationship with the parent or the child, a little ‘Hello' and ‘Goodbye' is maintaining a relationship.Another is gaining and sharing information, it's important you speak to every parent when they are dropping/picking up there child for general everyday information. For example; how their child slept the night before, could he/she be tired, need a sleep a little earlier. Or if there child is a little poorly, on medication. Then for when there picking up there child, to tell them how there child’s been, activiti es/events happening in the nursery, if they need to bring anything in etc.Then it's also important that staff members share the information with other staff members, for example, if a child needs medication at a certain time, tell all the staff members in that room so everyone is aware of it. Express needs and feelings is another reason why people communicate. This is important because if a child is feeling sad, angry, they need to feel that they can communicate with a staff member and tell them that they are feeling sad/angry/upset and why so that the staff member can try help them. It can become very frustrating for young people to keep all their emotions in.Then it’s also important so they can tell the staff their needs, for example if they need the toilet, need to wash their hands. Sharing ideas and thoughts is another reason why people communicate, this could be parents/young people/ children telling staff of new ideas they have. It's important to make their ideas and th oughts feel welcome. Gaining reassurance and acknowledgement, with young people, children this could be praising them for doing something or giving them physical reassurance by giving them eye contact or taking an interest in what they are doing. 1. Explain how communication affects relationships in the work setting Poor communication can lead to misunderstandings and poor performance. More seriously can lead to harming a child and/or breaking the law. Communication is important for staff too, being able to talk to others in the work place will give you more support and you can share ideas and information. You will be able to work as a team to create a work place that is good to work. Good communication is very important with the children will form trusting relationships and help them to settle in and develop.Good communication with the parents is important as well, sharing information regarding children’s care and development, good communication between the two will promote positive relationships. 2. 1 Demonstrate how to establish the communication and language needs, wishes and preferences of individuals 2. 2 Describe the factors to consider when promoting effective communication There are many factors to consider when communicating with others. The first factor is Environment; we need to think whether the environment is ok to share information.If the environment is loud or busy it may be very difficult to exchange personal information. For some parents/young children a quiet place may be required to exchange information. Proximity, orientation and posture are 3 factors we need to consider. Proximity is the distance between you and the person you are communicating with. Babies and young children that you are close with need you to be close to them when communicating, whereas babies and young children that are not familar with you may need you to be more distant they could see it as intimidating or scary.Then you need to be aware of cultural difference s. You will notice if someone is backing away a little from you or is moving closer. Orientation relates to your body's position. When speaking to a parent you tend to stand close on a slant with them whilst talking so you can make eye contact but you are also aware of everything else going on, and is easy to break of if needs be. Posture is the way you are standing or sitting. If you are sitting you need to make sure you’re not giving out signals that you are bored, like leaning back on your chair.It's important you make sure people know you’re interested like leaning forward on the chair. Listening Skills ‘Active listening' is often used to describe good communication, this means don't just listen, think about their body language, what they are hearing, gesture and any other signals they are sending out, give them your full attention and don't just focus on what they are saying but how they are saying it. It's very important when encouraging young people to spe ck and dealing with difficult situations. TimeAllowing sufficient time for Adults and children to think about how they are going to communicate. This is important with young children when communicating but also can be for adults receiving unexpected information or complex. 2. 3 Demonstrate a range of communication methods and styles to meet individual needs 2. 4 Demonstrate how to respond to an individual's reactions when communicating 3. 1 Explain how people from different backgrounds may use and/or interpret communication methods in different ways Communication can be slightly different when using it with other people from different backgrounds.Different people from other backgrounds may use verbal communication to express what they think, however they could also use non-verbal communication to put their point across. People from different backgrounds can find some forms of communication rude, eye contact/hand gestures. 3. 2 Identify barriers to effective communication Speaking a different language is one barrier, when someone speaks a different language or uses sign language, they may not be able to understand what the other person is trying to say. 3. Demonstrate ways to overcome barriers to communication 3. 4 Demonstrate strategies that can be used to clarify misunderstandings 3. 5 Explain how to access extra support or services to enable individuals to communicate effectively. In Leeds, we have great support services to support children and adults with communication problems. There are children’s centres all around Leeds that support families and can direct families to other agencies 4. 1 Explain the meaning of the term confidentiality Confidentiality is very important in a nursery setting.It is about respecting other people’s rights to privacy and keeping safe the information that they have provided. Sometimes when working with young children they give us information that id no intended to be shared around, sometimes this information may b e of a personal nature or simply not relevant to other people. All information gained during work is confidential this means anything you could not be able to find out as a member of the public is likely to be confidential. Data protection act 1998 4. 2 Demonstrate ways to maintain confidentiality in day to day communication 4. Describe the potential tension between maintaining an individual's confidentiality and disclosing concerns While parents and children have the right to confidentiality, there are occasions when the need to maintain confidentiality might be breached, for example; where there are concerns for child’s welfare, maybe abuse. If there is a concern that a child is being abused its staff’s job to disclose this information to the designated/manager of the setting unless they think by disclosing the information will put the child/young person in further danger.

Backshift the Sequence-of-Tense Rule in English

In English grammar, backshift is the changing of a present tense to a past tense following a past form of a reporting verb. Also known as the sequence-of-tense rule. Backshift (or backshifting) may also occur when a verb in a subordinate clause is affected by the past tense in the main clause. Chalker and Weiner offer an example of backshift where logically the present tense would be used: I didnt apply for the job, although I was female and had the right degree (Oxford Dictionary of English Grammar, 1994). See Examples and Observations below. Also, see: Indirect SpeechSequence of Tenses (SOT)TenseTense Shift Examples and Observations Notice the contrast between has and had in this pair: i Kim has blue eyes. [original utterance: present tense]ii I told Stacy that Kim had blue eyes. [indirect report: preterite] If I say [i] to Stacy, I can use [ii] as an indirect report to tell you what I said to Stacy. . . . My utterance to Stacy contained the present tense form has, but my report of it contains preterite had. Nonetheless, my report is entirely accurate. This kind of change in tense is referred to as backshift.The most obvious cases of backshift are with verbs of reporting that are in the preterite, like told or said. . . .[B]ackshift also happens quite generally in constructions where one clause is embedded within a larger one containing a preterite verb: i Stacy didnt know that Kim had blue eyes.ii I wondered at the time whether they were genuine.iii I wish I knew if these paintings were genuine. All the [highlighted] verbs have backshifted tense.(Rodney D. Huddleston and Geoffrey K. Pullum, A Students Introduct ion To English Grammar. Cambridge University Press, 2005)Backshifting occurs not only with indirect speech, but also with reported feelings and thoughts expressed frequently with verbs such as know, think, realize, and forget. (19a) She knows that we are meeting tomorrow.(19b) She knew that we were meeting tomorrow. In (19a) the reporting verb (knows) is in the present tense, as is the verb in the reported clause (are). In (19b), when the reporting verb is past tense (knew), the verb in the reported clause is backshifted to past tense (were). Note that the time of the situation (we are meeting) has not changed; it remains in the future.(Dee Ann Holisky, Notes on Grammar. Orchises Press, 1997)Exceptions to Backshifting- In certain situations, the sequence of tense rules are relaxed and backshifting is not required. Essentially, backshifting is not required if a statement about the present or future still holds. . . .A shift is not necessary if: - the original statement is a general t ruth.Torrecelli concluded that the atmosphere is/was a sea of air pressing down on the earth.- the speaker is reporting something that is still true.Fred said he drives/drove a 1956 Belchfire Special.- the speaker is reporting something still possible for the future:The forecast said we will/would be having lots of rain.- the speaker repeats something he or she just said.John: I like opera.Bill: What did you say?John: I said I like opera. (Ron Cowan, The Teachers Grammar of English: A Course Book and Reference Guide. Cambridge University Press, 2008)- Backshift . . . is optional when what was said applies equally at the time of reporting: Benjamin said that he is/was coming over to watch television tonight. Such traditional shifts are not, however, used in certain types of relaxed, colloquial reporting and storytelling: Then he says hes coming and she says that he could come or not for all she cared.(Tom McArthur, Concise Oxford Companion to the English Language. Oxford University P ress, 2005) Also Known As: backshifting, sequence-of-tense (SOT) rule, succession of tenses