Tuesday, May 26, 2020
The Truth About Colorado College Block Plan Essay Samples I truly do love the randomness of the collage look and yes, it's a good deal of product. however, it's also a great deal of fun! Lastly, the detail of true speech makes the scene pop. One other great issue is that each one of the tags shapes are created from Punches and Framelits so if you'd like to add more it's easy! Evidently, understanding how to clean burning oil isn't high on the list of things every 9-year-old should know. Ideas, Formulas and Shortcuts for Colorado College Block Plan Essay Samples That is quite a tall order. If you awaken in the duration of the evening and fear that it is a good idea to full a paper, be pleased to position a purchase. And in order to have the time to rewrite, it's necessary for you to start way before the application deadline. This requires no less than a week notice ahead of time. In fact, the majority of career goals essay questions contain several questions in one, so b e sure to tackle every one of them. These are the answers they need to see. I was not likely to answer till I saw all of the negative answers. Try to remember you may always change your essay topic in case you decide you have not chosen the ideal one for the essay. At our essay assistance, essays are always delivered in a brief moment. Or you'll be able to view 18 essays all on a single page. These seven sample essays respond to a range of thought-provoking questions. Ok, I Think I Understand Colorado College Block Plan Essay Samples, Now Tell Me About Colorado College Block Plan Essay Samples! Someone learns the significance of punctuality nightly. For your college scholarship essay, you might be asked about your career targets. It is the sole college I would ever considering going to, I adore this college with a deep passion. Top Colorado College Block Plan Essay Samples Secrets My principal goal for a librarian is going to be to have children immersed in literature. We're keen to meet the requirements of our clientele. Since it's a village there aren't plenty of educational resources. Moreover, we additionally p rovide proofreading and editing services. Life After Colorado College Block Plan Essay Samples My best satisfaction is going to be to serve low-income men and women. In our society, there's a divide between physical wellbeing and mental well-being. At exactly the same time, however, bear in mind your final commitment may be to writing the best application essay possible and to do so, you want to use that feedback wisely. It's very useful to take writing apart so as to see just the way that it accomplishes its objectives. You might also get in contact with your writer to supply some extra recommendations or request information concerning the order's progress. Generally, additional recommendations aren't beneficial. Read our customers' reviews and feedbacks. The cost depends upon the size and urgency. For instance, if you've got a four-part question, plan to use about 25% of the term count on each one of the four parts. Consult your parents to spell out the rear row to you. Colorado College Block Plan Essay Samples Explained In this instance, it can be advisable to take the heartfelt strategy and compose a story about something before that made you simply drawn to devote your college years at Colorado College. If you have to deal with this kind of a question, be sure to leave enough room to write knowledgeably and enthusiastically about that particular program. If you enjoy starting your cla sses in the summertime and get out earlier you would probably spend the Summer Matriculation Program, also called the Summer Start Program. Meanwhile, you might considervisiting Colorado College's campusto take a look at the campus and find some inspiration. Key Pieces of Colorado College Block Plan Essay Samples The scholarship committee would like to observe how investing in your education will aid your career. This scholarship could offset a few of the costs and decrease my workload for a whole. Highlight certain achievements. After all, you might have to decide on a school in part based on specialties they may possess in some specific disciplines. English majors have particularly substantial book costs because we must obtain many books for each class. A highschool education is merely an introduction to the educational background that I'll want to prepare me for a prosperous career. Simply because students have a lot of unique disciplines, which can be essential to perform. Again, it's important to be aware that the word limit here is 500 words. At times it's helpful to observe how others were able to get over the difficult first-line hump. By the close of the passage, almost each person in the room was roaring. If you anticipate making a fairly considerable transition from your present career path, mention the particular things that spurred the shift.
Friday, May 15, 2020
In the history of China, only one woman has ever sat in the imperial throne, and that was Wu Zetian (Ã¦ ¦Ã¥Ëâ¢Ã¥ ¤ ©). Zetian ruled the self-proclaimed Ã¢â¬Å"Zhou DynastyÃ¢â¬ from 690 C.E. until her death in 705 C.E., in what ultimately became an interlude during the much lengthier Tang dynasty that preceded and followed it. Heres a brief overview of the life of the infamous female emperor, and the legacy she left behind. A Brief Biography of Wu Zetian Wu Zetian was born into a well-to-do merchant family in the waning days of the reign of the first Tang emperor. Historians say she was a stubborn child who reportedly spurned traditional womens pursuits, instead preferring to read and learn about politics. As a teenager, she became a consort to the emperor, but she did not bear him any sons. As a result, she was confined to a convent upon his death, as was the tradition for the consorts of dead emperors. But somehowÃ¢â¬âhow exactly isnÃ¢â¬â¢t clear, though her methods appear to have been quite ruthlessÃ¢â¬âZetian made it out of the convent and became a consort of the next emperor. She gave birth to a daughter, who was then killed by strangulation, and Zetian accused the empress of murder. However, many historians believe that Wu actually killed her daughter herself to frame the empress. The empress was ultimately deposed, which paved the way for Zetian to become the emperorÃ¢â¬â¢s empress consort. Rise to Power Zetian later gave birth to a son, and began working to eliminate rivals. Eventually, her son was named heir to the throne, and when the emperor began to fall ill (some historians have accused Wu of poisoning him) Zetian was increasingly put in charge of making political decisions in his place. This angered many, and a series of struggles ensued in which Wu and her rivals attempted to eliminate each other. Ultimately, Wu won out, and although her first son was exiled, Zetian was named regent after the emperors death and another of her sons ultimately took the throne. This son, however, failed to follow Zetians wishes, and she had him quickly deposed and replaced with another son, Li Dan. But Li Dan was young, and Zetian essentially began to rule as emperor herself; Li Dan never even made an appearance at official functions. In 690 C.E., Zetian forced Li Dan to abdicate the throne to her, and declared herself the founding empress of the Zhou dynasty. WuÃ¢â¬â¢s rise to power was ruthless and her reign no less so, as she continued to eliminate rivals and opponents using tactics that were sometimes brutal. However, she also broadened the system of civil service exams, elevated the status of Buddhism in Chinese society, and waged a series of wars that saw ChinaÃ¢â¬â¢s empire expand further West than ever before. In the early 8th century, Zetian fell ill, and shortly before her death in 705 C.E., political maneuvering and fighting amongst her rivals forced her to abdicate the throne to Li Xian, thus ending her Zhou dynasty and restoring the Tang. She died soon after. The Legacy of Wu Zetian Like that of most brutal-but-successful emperors, ZetianÃ¢â¬â¢s historical legacy is mixed, and she is generally viewed as having been an effective governor, but also as having been overly ambitious and ruthless in attaining her power. Needless to say, her character has certainly captured ChinaÃ¢â¬â¢s imagination. In the modern era, she has been the subject of a wide variety of books, films, and television shows. She also produced a fair amount of literature herself, some of which is still studied. Zetian also appears in earlier Chinese literature and art. In fact, the face of the largest Buddha statue at the world-famous Longmen Grottoes is supposedly based on her face, so if you want to gaze into the giant stone eyes of ChinaÃ¢â¬â¢s only empress, all you have to do is take a trip to Luoyang in Henan province.
Wednesday, May 6, 2020
Identify the problem Ã¢â¬Å"Homelessness and poverty are inextricably linked. Poor people are frequently unable to pay for housing, food, childcare, health care, and education. Difficult choices must be made when limited resources cover only some of these necessities. Often it is housing, which absorbs a high proportion of income that must be dropped. If you are poor, you are essentially an illness, an accident, or a paycheck away from living on the streets. Two factors help account for increasing poverty: eroding employment opportunities for large segments of the workforce and the declining value and availability of public assistanceÃ¢â¬ (National Coalition for the Homeless, 2009). Ã¢â¬Å"A homeless individual is defined as Ã¢â¬Å"an individual who lacks housing, including an individual whose primary residence during the night is a supervised public or private facility (e.g., shelters) that provides temporary living accommodations, and an individual who is a resident in transitional housing.Ã¢â¬ A homeless person is an individual without permanent housing who may live on the streets; stay in a shelter, mission, single room occupancy facilities, abandoned building or vehicle; or in any other unstable or non-permanent situationÃ¢â¬ [Section 330 of the Public Health Service Act (42 U.S.C., 254b)]. According to the US Department of Housing and Urban Development (HUD), on any night over 600,000 people are homeless; it is estimated that approximately 2.3 to 3.5 million Americans experience homelessnessShow MoreRelatedNegative Effects Of Poverty1062 Words Ã |Ã 5 Pagesimpression.Ã¢â¬ According to Yoshikawa, H., Aber, J. L., Beardslee, W. R. (2012), Poverty is a critical risk factor for many of the mental, emotional and behavioral disorders of children and youth. Across many studies, poverty is associated with a range of negative outcomes for children in the realms of physical health, language, and cognitive development, academic achievement and educational attainment. Th e problem is that poverty is affecting our children physically, mentally and emotionally. In order toRead MoreThe Problem Of Living Without A Home972 Words Ã |Ã 4 Pagesbe provided with temporary living like homeless shelters. However, these shelters are usually full to and are always in demand. According to Ned Resnikoff, Ã¢â¬Å"The largest increase came in Washington, D.C., where the number of people experiencing homelessness rose by 28 percent and the number of homeless families went up by 60 percent. Meanwhile, requests for emergency food assistance in the city rose by 27 percent during the same period.Ã¢â¬ The United States is a rich nation, but still has yet to comeRead MoreThe Negative Effects Of Homelessness1482 Words Ã |Ã 6 PagesHomelessness, what is homelessness? Well, there is no official definition of the word homelessness. According to Health centers funded by the U.S. Department of Health and Human Services (HHS) use the following:Ã¢â¬ A homeless person is an individual without permanent housing who may live on the streets; stay in a shelter, mission, single room occupancy facilities, abandoned building or vehicle; or in any other unstable or non-permanent situation.Ã¢â¬ - Section 330 of the Public Health Service Act. AcrossRead MoreEssay on Homelessness in The Glass Castle1264 Words Ã |Ã 6 Pagesare rarely exposed to miseries in society. One of these conflicts is homelessness. When living in an environment surrounded by homes, individuals often have difficulty imagining not being able to sleep in a warm bed, eat a proper meal or even receive necessary medical attention. This grim situation is depicted in the writings of Jeannette Walls. In the autobiography The Glass Castle, Jeannette Walls accurately portrays homelessness by explaining its causes, its impact upon daily life, and its effectRead MoreHomelessness1449 Words Ã |Ã 6 PagesHomelessness Home has become such a scattered, damaged, various concept in our present travails. There is so much yearn for#8230;How hard can we expect even a pair of magic shoes to work? They promise to take us home, but#8230; will they permit us to redefine the blessed word? -Salman Rushdie (HopperBaumohl p.3). Homeless people all around the world, stopped believing in ruby slippers a long time ago, because they know that fairy tales will not get them out of their predicament. They must struggleRead MoreIs Homelessness Not Just A Problem?1714 Words Ã |Ã 7 Pagessignificance of the advances in technology is the fact that homelessness is not just a problem in the United States, it has global implications. The people that die and are displaced as a result of homelessness is a major challenge to social justice. Through the tenets of the Critical Race Theory, itÃ¢â¬â¢s been statistically qualified and quantified that minority groups are frequently targeted and suffer from socioeconomic neglec t, resulting in homelessness. The Lack of equal access to supportive politicalRead MoreHomelessness1962 Words Ã |Ã 8 Pages Homelessness Dewayne Henderson BSHS/465 July 21, 2014 Tanisha Laidler Homelessness Introduction Human service workers help people who are homeless to meet basic needs. Human service workers may refer clients to a variety of providers, such as temporary or permanent housing facilities, organizations that serve meals, and job centers that can assist the client in learning new skills or finding jobs. Some clients can need help finding treatment to address and underlying cause of homelessness. WorkingRead MorePoverty Essay1399 Words Ã |Ã 6 PagesIn todayÃ¢â¬â¢s world, poverty is happening throughout many societies. Poverty is defined as a person who is living of off of paychecks to pay checks; or not having enough money to meet basic needs such as, food, shelter, and clothing. Poverty has been a social issue that has been around for many years in the United States, and as the years continue to pass by poverty tends to get worse. Despite being one of the most popular countries in the world, the United States has families and communities who areRead MoreSocial deprivation and crime are inextricably linked3474 Words Ã |Ã 14 PagesSocial deprivation and crime are inextricably linked Almost half of the 83,000 people in prison ran away from home as a child and cannot read as well as an 11 year old. Almost 30 per cent have been through the care system and similar proportions were homeless before entering prison. TodayÃ¢â¬â¢s prison population shows that an overwhelming majority of prisoners are the product of social breakdown. Prisoners are far more likely to have lived in poverty, to come from broken families, to be unemployed andRead MoreLash Essay In English1631 Words Ã |Ã 7 PageshappÃ µnÃ'â"ng. ÃÅ¾thÃ µrs may thÃ'â"nk thÃ µy want mÃ ¾nÃ µy fÃ ¾r fÃ ¾Ã ¾d.ThÃ µ rÃ µasÃ ¾n Ãâ thÃ'â"nk thÃ µ pÃ µÃ ¾plÃ µ thÃ'â"nk thÃ µ hÃ ¾mÃ µlÃ µss want thÃ µ mÃ ¾nÃ µy fÃ ¾r thÃ µ fÃ ¾Ã ¾d bÃ µÃ' ausÃ µ thÃ µ pÃ µÃ ¾plÃ µ thÃ'â"nk thÃ µ hÃ ¾mÃ µlÃ µss Ã' an gÃ µt baÃ' k Ã ¾n thÃ µÃ'â"r fÃ µÃ µt. SÃ ¾mÃ µ pÃ µÃ ¾plÃ µ brÃ'â"ng fÃ ¾Ã ¾d tÃ ¾ thÃ µm. Although homelessness has fallen almost continuously since 2007, about 1.5 million Americans use a shelter in a given year -- and advocates for the homeless say that figure badly understates the problem. SÃ ¾ thÃ ¾sÃ µ last 7 paragraphs wÃ µrÃ µ abÃ ¾ut what Ã' ausÃ µs hÃ ¾mÃ µlÃ µssnÃ µss
Tuesday, May 5, 2020
The Question of Ideology in Amitav GhoshÃ¢â¬â¢s The Hungry Tide The stalwarts of Indian writing in English like Salman Rushdie, Khushwant Singh, Mukul Kesavan, Vikram Chandra, Amitav Ghosh and the like, are writing in a postcolonial space using novel as a means of cultural representation. Their novels are generally assumed to be engaged in postcolonial consciousness but a close study of the thematic range proves that the novels also attempt to universalized humanistic gesture, for human nature and social relationships are as important as the interplay of power and national relationships.Twentieth century novelists were preoccupied with the historic past and the unabated interest of the readers in the novels that depicted the past or that treated some event of national importance having wide repercussions, like the freedom struggle of India. The countrymenÃ¢â¬â¢s vitality and their devotion to the cause were amply reflected in the novels of Raja Rao, Mulk Raj Anand and K. We will write a custom essay sample on The Question of Ideology in Amitav Ghoshs the Hungry Tide or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page A. Abbas in the 1930s and the 1940s; but the most historical event of our age, as is evident from the writings of the Indo-English novelists, was the partition of the Indian subcontinent by the English rulers in the year 1947.The Hindu-Muslim religious and political difference climaxed with this event which led to widespread disturbances. Many novels were written on the theme of Partition, the destruction it brought and the plight of the refugees; but a novel is never a mere recapitulation of historical events. To call Amitav GhoshÃ¢â¬â¢s novel as mere political allegory would be facile. Instead what Ghosh shows is the impact of politics on the lives of ordinary people and human relationships. To do that he uses the historical events as raw material in his novels and The Hungry Tide is one such novel Ghosh wrote at the peak of his powers. This novel is limited to quite a narrow geographical area, i. e. , to the Sunderbans in the Bay of Bengal, and perhaps by extension Bengal, and the novelist does this on purpose. He wants to throw some light on this tidal country of darkness that is little known within India, even within Bengal. In The Hungry Tide, the various intertwining character-plots revolve around mainly two conceptual plots.The first explores the plight of the displaced people, here specifically a group of refugees from Bangladesh who found themselves in a confrontation with the Indian Government. The other conceptual plot questions how humans share a complex and dangerous ecosystem with animals like dolphins, tigers and crocodiles in the Sunderbans. Both these plots can be assessed from the ideological point of view but the first one bears a more distinct connection to the question of ideology. The undercurrent of ideological conflict in GhoshÃ¢â¬â¢s The Hungry Tide is a very interesting area of study.Although some scholars have talked briefly about this issue in their respective papers, it has not yet been the central focus of any published research paper on the novel. Here, the present reader will try to address the question of ideology in Amitav GhoshÃ¢â¬â¢s The Hungry Tide. At the outset, it is important to define Ã¢â¬ËideologyÃ¢â¬â¢ that has become a key concept in Marxist criticism of literature and other arts, though it was not much discussed by Marx and Engels after The German Ideology which they wrote jointly in 1845-Ã¢â¬â¢46.Marx inherited the term from F rench philosophers of the late eighteenth century who used it to designate the study of the way that all general concepts develop from sense-perceptions. In Marxist criticism it is claimed that Human consciousness is constituted by an ideology Ã¢â¬â that is, the beliefs, values, and ways of thinking and feeling through which human beings perceive, and by recourse to which they explain, what they take to be reality.An ideology is, in complex ways, the product of the position and interests of a particular class. In any historical era, the dominant ideology embodies, and serves to legitimize and perpetuate, the interests of the dominant economic and social classÃ¢â¬ ¦ In its distinctively Marxist use, the reigning ideology in any era is conceived to be, ultimately, the product of its economic structure and the resulting class-relations and class-interests.In a famed architectural metaphor, Marx represented ideology as a Ã¢â¬ËsuperstructureÃ¢â¬â¢ of which the concurrent socioeconomic system is the Ã¢â¬ËbaseÃ¢â¬â¢. Friedrich Engels described ideology as Ã¢â¬Ëa false consciousness,Ã¢â¬â¢ and many later Marxists consider it to be constituted largely by unconscious prepossessions that are illusory, in contrast to the Ã¢â¬ËscientificÃ¢â¬â¢ (that is, Marxist) knowledge of the economic determinants, historical evolution, and present constitution of the social world.
Tuesday, April 14, 2020
Roses of Eyam Essay After we had read the book Roses of Eyam by Don Taylor in drama class we did some practicals to help us with the understanding of the play and to work on our acting skills. Roses of Eyam is about The Plague and home it came to the small village of Eyam in Derbyshire. In the play The Plague killed many of the characters such as; all of the Sydall family, Edward Thornley and William Torre. The first lesson of practicals consisted of us doing sound tracks and still images. We were placed into groups to do these. A sound track is when you put together sounds o do with a specific topic, this topic being Roses of Eyam, and create an ongoing sound until you reach the finish. A still image is what when you get given a subject to make a picture out of and you freeze into that picture and the audience have to guess what the still image is of. Some groups were better than others in doing the sound tracks. What worked well: the repetition of key facts, certain words were said altogether by the group, which gave it a more dramatic effect, the contrast some groups had between happy and sad with their emotions while speaking, the level of oise because as you increase the level of noise the more suspenseful and dramatic the sound gets. What didnt work well: for sound tracks you must get the beat right for all of the words to it together and if not it Just sounds Jumbled up and it doesnt work well. Still images are fairly easy to do so there was not anything wrong with the still images. We will write a custom essay sample on Roses of Eyam specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Roses of Eyam specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Roses of Eyam specifically for you FOR ONLY $16.38 $13.9/page Hire Writer What worked well: in some groups they had the different stages of death, how the plague killed people, height levels, with more people low and only a few high it shows the audience who has the authority and power in the still image, and lastly ll groups had a clear understanding of what they were portraying in the still image. In the second lesson of practicals we worked on role-playing. We were in groups of three because we were working on three specific characters: Mopessson, his wife Catherine and Mr. Stanley. We were instructed to act out specific scenes and act them in our interpretation of what it would look like. What worked well: the intensity in some scenes, the expression, both facial and emotional, the connection with the characters, the flow at which everyone spoke, the volume of peoples voices and eye ontact with the audience. What didnt work well: some people begin to laugh while acting and some improvements could have been made to make the scenes more intense and emotional. On the third lesson we acted out our impression of a scene from the past. The scene was about Unwin and Merril fghting over their first love, Jane Dunnet. Both men loved Joan Dunnet and even proposed to her but she ended up marrying a butcher. It was brought up in one of the scenes whilst they were talking to Mr. Howe. What worked well: many groups had lots of humor in their scenes and did very well to ntertain the audience however with humor comes distraction and laughing during the scene which did happen, some groups had placed their characters well enough so we could see who was who and it was not confusing and lastly one group had accents while pertorming. In lesson four, we role-played Unwin and Merrils characters how they are portrayed in the book. All but one group had difficulties and struggled to play old men however some worked while others didnt. We did quite a lot of work on Unwin and Merril because they are very significant to the story because they are the oldest men in the illage and they had survived the plague. What worked well: most groups knew that Unwin and Merril do not really get along therefore they put a lot of attitude into their acting which was very good, some people connected with their characters and people had practiced their scenes very well so they knew when to come in quickly to interrupt each other and have a witty conversation. What didnt work well: some peoples body language didnt work because they werent crouched over like an old man would be and they werent walking slowly so they didnt really recognize that Unwin and Merril are old men so you have to act like old men, some people were blocking while doing their scenes which makes it hard for the audience to see, and some people were not focused and were either forgetting their lines or laughing while they were acting. And finally on the last day we did some more research into Mompessons character however we did it differently this lesson. Instead of Just acting what we think is him we acted out a nightmare Mompesson wouldVe had about the people in Eyam and/or his family. This consisted of making him feel scared because he wasnt going to be here for his family or he would be unable to help the people of Eyam because of the plague and so on. What worked well: some groups ended very well because they ended it with suspense and drama, having a low tone of voice is good in a nightmare because it creates more suspense, the intensity levels, facial expressions, also whoever was acting out Mompesson had to have a lot of emotion because it was a nightmare and it was scary to him. What didnt work well: some groups ended up blocking therefore the audience couldnt see.
Thursday, March 12, 2020
Best Unsecured Credit Cards for People With Bad Credit SAT / ACT Prep Online Guides and Tips Having a poor credit score can feel like youÃ¢â¬â¢re caught in a catch-22. You need a credit card to improve your score, but itÃ¢â¬â¢s hard to get a credit card without a good score. Luckily, there are credits cards available for people with poor credit. Once you get one of these cards, you can use it to build your credit score over time. This guide will give you recommendations for the best credit cards for people with bad credit, along with some tips on how to apply. Click here to go straight to the credit card recommendations, or first, read on to learn what makes a bad credit score and why it matters. What Is Bad Credit? Credit scores range from 300 to 850. Your score is based on a number of factors, including your credit history, payment history, outstanding debt, and account inquiries from lenders, like credit card companies or banks. Defaulting on loans or closing a credit card that still has a balance on it are two actions that could seriously damage your credit score. You might also have a low score if youÃ¢â¬â¢re new to the world of credit and have never had a credit card before. Credit scores below 630 are considered to be very low. Scores between 630 and 700 are fair and between 700 and 800 are strong. Any scores above 800 are excellent. To find out your score, you simply need to set up a free account with Credit Karma. You can also request a comprehensive credit report from one of the three major credit bureaus, TransUnion, Equifax, or Experian. You can get one free report each year by requesting it from annualcreditreport.com. Any additional reports cost $9.95. Your credit score matters big time when you apply for any kind of credit card or loan. Why is it so important? Maybe we shouldn't call a credit score under 630 "bad." Rather, it's a work in progress! Why Does Your Credit Score Matter? Credit scores are a key factor when a credit card company or bank is evaluating your application for a credit card or loan. Lenders consider your past financial behavior to be an indication of your future behavior. They seek to reduce risk, so they only want to lend you money if they feel assured that you can eventually pay it back. The better your credit score is, the higher your credit line will be. YouÃ¢â¬â¢ll also be eligible for more attractive credit cards that have low fees or rewards, like cash back or travel points. With a low credit score, your application for most travel rewards cards would be rejected outright. However, people will low scores can still qualify for certain credit cards and then use the card to build up their credit over time. With a low score, you may qualify for a secured or unsecured credit card. Lenders look at your credit score when deciding whether to give you a loan. They aren't big risk-takers. What Kind of Credit Card Can You Get With Bad Credit? Secured Vs. Unsecured If your credit score is the lowest of the low, then youÃ¢â¬â¢ll probably only be able to get whatÃ¢â¬â¢s called a secured credit card. Secured credit cards require a deposit up front. Some of them act as prepaid debit cards. You load them up with a certain amount of money at the beginning of the month and then spend that money where the card is accepted. Secured credit cards have low limits and require up-front cash-loading or deposit. If you can qualify for a regular, unsecured card with bad credit, then you should skip this initial step of getting a secured card, unless you really need to set low, strict spending limits on yourself or can't afford an annual fee. Unsecured credit cards are just like any other credit card. They typically start with a line of credit of about $300 per month. As you build your credit over time, your monthly line of credit will increase. Unfortunately, you wonÃ¢â¬â¢t get a credit card with the most appealing terms if you have poor credit. The unsecured cards recommended below have the best policies available and can help you build your credit into the fair or good zone. Read on for the top recommendations for the best unsecured credit cards for poor credit. Secured credit cards are useful if you need to set strict limits on your spending. 5 Best Unsecured Credit Cards for People with Bad Credit in 2016 The five cards recommended below are the best unsecured credit cards for people with bad credit available. Each card lets you fill out a quick and easy form online to see if you prequalify. The top five cards are the following: Credit One Bank Unsecured Visa* Indigo Platinum Mastercard Milestone Gold Mastercard Total VISA Unsecured Card Platinum One Credit Card (for average credit) *The Credit One Bank Visa stands out as the best overall unsecured credit card, because it gives you some rewards and may increase your line of credit after five months of on-time payments. The remaining credit cards for poor credit offer more or less equal benefits, so you should shop around to see where you prequalify. LetÃ¢â¬â¢s take a closer look at the terms of each unsecured credit card. Credit One Bank Unsecured Visa Credit Card The Credit One Visa is a rare card available to people with poor credit that gives rewards. With this card, you can earn 1% cash back on gas and groceries. The card has an annual fee of $0 to $75 the first year and $0 to $99 annually after that, depending on your credit score and income. You may be able to pay this fee back monthly, rather than as one lump sum at the end of the year. The card offers a monthly credit score tracking service so you can keep track of your progress toward a stronger credit score. It comes with a rather high variable interest rate of 15.65% to 24.15%, but the interest rate shouldnÃ¢â¬â¢t really matter. To build your credit and avoid debt, you should never carry a balance over on your credit card from one month to the next. Always pay off your full balance every month to avoid penalty and steep interest charges. A typical beginning line of credit for someone with a low credit score is $300. This might increase after five or more months of on-time payments. After five months of on-time payments, Credit One should increase your credit line. Pro tip: count your months by the Gregorian calendar, not the Mayan one. Indigo Platinum Mastercard The Indigo Platinum Mastercard is an increasingly popular card thatÃ¢â¬â¢s available to people with a range of credit scores. Like the Credit One card, the Indigo card offers online account access and has an easy pre-qualification process online. A typical starting line of credit is $300, and the card has an annual fee of $0 to $99. The APR is fixed at 23.9%. Unlike the Credit One card, the Indigo card doesnÃ¢â¬â¢t offer any rewards back on your purchases. Milestone Gold Mastercard The Milestone Gold card similarly has a fixed APR of 23.9% and a typical starting line of credit of $300. The annual fee falls between $35 and $99. Total VISA Unsecured Credit Card The Total VISA has the highest APR of 29.99%. It has a fee of $75 for the first year and $48 annually after that. Like the other unsecured credit cards for low credit, the typical starting line of credit is $300. Capital One Platinum Card If your credit has started to climb out of the red zone and surpassed 600, then you might qualify for the Capital One Platinum card. This card is available for people with a credit score of 600 or higher. It has no annual fee, 24.99% APR, and fraud coverage. A typical starting credit limit falls between $200 and $500, and this can increase after five or so months of on time monthly payments. Now that you have a sense of the best unsecured credit cards, what do you do next? How do you apply for one of these cards? Even with bad credit, you have options for credit cards! How to Apply for an Unsecured Credit Card You can easily apply for a credit card online. First, head to the companyÃ¢â¬â¢s website and go through its quick pre-qualification process. While this survey isnÃ¢â¬â¢t the be-all and end-all word on whether or not you qualify, it gives you an idea of your eligibility based on your income level. YouÃ¢â¬â¢ll enter your personal information, including your salary and social security number. Going through this pre-qualification check, by the way, wonÃ¢â¬â¢t hurt your credit score. Your credit score will only be affected when the company runs a hard check to see whether you officially qualify and you open an account. If you prequalify, then youÃ¢â¬â¢ll go through the full process of applying for the card. Only fill out a full application for one card, so as not to hurt your credit score. Once you apply and are approved, your card will be mailed out to you within one to two weeks. If your credit score and salary are too low, and you find yourself ineligible for any of the above cards, then you do have one more option - getting a secured credit card. Easy online pre-qualification forms give you a sense of whether or not you'll be approved a credit card. What If You DonÃ¢â¬â¢t Qualify? If you donÃ¢â¬â¢t qualify for an unsecured credit card with bad credit, then you should look into secured credit cards. As mentioned above, secured cards require a deposit up front, or they ask you to prepay and then spend the money thatÃ¢â¬â¢s already loaded onto your card. While theyÃ¢â¬â¢re a little different from other cards, secured credit cards will help you build credit until youÃ¢â¬â¢re able to get a regular, unsecured card. These are some of the best secured credit cards: Discover It Secured Card Capital One Secured Mastercard Secured Visa from Merrick Bank USAA Secured Card American Express If you want to set strict limits on your spending with a prepaid debit card, then look into the secured cards from Bluebird or American Express Serve. Once you get your credit card, how can you use it in the best way to build your credit? How to Use Your Credit Card and Build Credit Building and maintaining good credit isnÃ¢â¬â¢t about avoiding a credit card; itÃ¢â¬â¢s about using one well. Using a card well requires you to follow one rule of thumb: never carry a balance on your card from month to month. DonÃ¢â¬â¢t expect that youÃ¢â¬â¢ll have more to spend next month than you do this month. Only buy what you can pay off in cash immediately on the card, and make sure to pay off your full balance by each payment due date. As you read above, on-time payments will help you build credit, and your credit card company may offer you a bigger line of credit as time goes on. How can you be sure that youÃ¢â¬â¢re staying within your budget? This kind of awareness comes from developing a budget and keeping track of your daily and monthly spending. There are several apps, like YNAB and Mint, that are useful for helping you keep track and gain control of your personal finances. In closing, letÃ¢â¬â¢s go over the key points you should remember about the unsecured credit cards that are available to people with poor credit. Rome wasn't built in a day! With enough time and effort, you can build your credit score into the good or excellent range. Unsecured Credit Cards for Bad Credit - Final Thoughts If you have bad credit, you arenÃ¢â¬â¢t going to be eligible for a $10,000 line of credit and 2% cash back on all your purchases. However, you may become eligible eventually by first getting one of the secured or unsecured credit cards that are on offer to people with low credit card. Unsecured cards typically have an annual fee and start with a line of credit of around $300 a month. By making on-time payments month after month, youÃ¢â¬â¢ll see your credit score go up and may eventually qualify for a larger line of credit. If you donÃ¢â¬â¢t already, make sure to check your credit score and understand where it comes from. Then, you can come up with a plan to take control of your personal finances and build your credit score into the fair, good, or even excellent range. By shoring up your credit score with one of the best credit cards for bad credit, youÃ¢â¬â¢ll put yourself in a much better financial position for future credit card, loan, or mortgage applications. WhatÃ¢â¬â¢s Next? Is your credit score high enough that you could qualify for other credit cards? Check out this guide to find the best credit card for you based on your personal spending habits. Do you feel like your spending has gotten out of control? This guide will help you reign it back in with seven steps to taking control of your personal finances. Would you like to start saving money for a big purchase or perhaps a retirement account? This comprehensive list has 100 different ways for you to start saving money today.
Monday, February 24, 2020
Environmental Scanning - Assignment Example Strategic partners are now tasked with the duty of revisiting the policies that they have established to fight bullying and taunting both on the field, and out of the field by its players. This is more so because the report sanctioned by the league in February showed that Martin had been bullied and taunted by his teammates in multiple instances (Associated Press, 2014). Though the Miami Dolphins are on the spot, they are not the only club which has been involved in cases of bullying and taunting. Other teams also have to keenly go through their policies as well, to ensure that all their players maintain proper behaviour that does not discriminate against any other players they are in contact with. As the Wall Street Journal reported in February, League executives are in agreement that steps need to be taken to ensure that similar incidences are curbed, and change the culture of football (Associated Press, 2014). Stakeholders in the sport have had to re-evaluate the efforts they have in position to mitigate the form of violence that bullying and taunting is. As a football club, Miami Dolphins needs to enforce stricter measures in order for the players in their club to feel safer while they play the game. Legal constraints and protections would help other players who might be sourced after to join the club. Stricter measures will also give their players better chances of advancing their careers since they will not be stigmatized as a team that tolerates violent