How Can Using a Virtual Reading Machine Help With Past Papers

By what method Can Using a Virtual Reading Machine Help With Past Papers?What better approach to see past research papers than utilizing a virtual understanding machine? It can take a day or two to truly become accustomed to seeing one, yet once you do you'll see that it truly makes perusing your paper a lot simpler. In this article I'm going to take a gander at a couple of ways you can utilize a perusing machine to assist you with your exam.The first thing that is something to be thankful for about these machines is that they're all totally computerized. They're not, at this point wooden typewriters - this is the means by which it ought to be. You can make adjustments to your paper and your rectifications will stand apart far superior to in the event that you made the revisions manually.Another thing that is extraordinary about these perusing gadgets is that they are a visual learning gadget. Along these lines, this implies you can become familiar with how to compose a paper from ta king a gander at how others compose theirs. It might require some investment to become accustomed to this and get it, yet it's absolutely justified, despite all the trouble in the end.Another bit of leeway to utilizing one of these machines is that you can type in your expositions from the content box as opposed to depending on paper and pencil. A few perusers accompany additional textual styles, which implies that when you turn it on you can type a word that looks okay however isn't exactly right. This is valuable in the event that you need to perceive what the best text styles for the paper are.One last thing that you should contemplate when you're utilizing a perusing machine to assist you with your past papers is that you can type in past papers from your iPod. This implies you can make notes without having to really take a gander at your paper once more. This is another of those points of interest of utilizing advanced hardware instead of a genuine perusing machine.You're not s ure how to set up your own virtual understanding machine, at that point you can generally go with a PC. The majority of these machines accompany an implicit word reference, so you can make a quest for any word and it will look into its definition. On the off chance that you're composing a paper with a great deal of words, at that point this is an extremely valuable feature.If you're pondering utilizing a virtual perusing machine to assist you with your papers then it may be a smart thought to take a gander at getting a paper word reference. You can get them for pretty much any sort of understanding machine, yet they're especially valuable in case you're composing a test that requires a great deal of jargon. It's additionally useful in case you will concentrate with one of these machines to check whether you can remember the jargon that you'll be learning.Finally, ensure that you put the paper in a holder. This will make it simpler to turn the machine on with the goal that you can pe ruse your paper and not need to stress over anything tumbling to the floor. At the point when you're doing your last assessment then you'll be happy that you did this.

Sample Essays For the SAT - How to Find Good Ones

<h1>Sample Essays For the SAT - How to Find Good Ones</h1><p>When the SAT tests are finished and you have sat for the SAT or some other state sanctioned test, it is a smart thought to do an exploration on these examples articles. A portion of the inquiries you might be posed during your test could give you bunches of motivation to compose an amazing one for the exam.</p><p></p><p>You will discover a considerable lot of the example articles are exceptionally unique and you could add your own touch to the paper. A considerable lot of the test places might want to see some unique works. The thought is to discover an exposition that would be intriguing for your test and afterward make your own.</p><p></p><p>Before you pick any SAT tests paper you should peruse them cautiously. You can take notes about your opinion of it. You should not put together your own paper with respect to the example. It is your duty to compose a de cent one for the exam.</p><p></p><p>A number of the example papers are not elegantly composed, so they ought not be utilized to plan for the SAT test. Rather, you should concentrate on composing a unique one for the test. There is no reason for attempting to duplicate something that has been composed by another person. You ought to have the option to draw a few thoughts from the models that are on the essay.</p><p></p><p>The most significant thing to recall while doing an exploration on the SAT tests exposition is to not duplicate the models. You ought to have the option to roll out certain improvements all alone to the paper to improve it. The examples are not a swap for the first essay.</p><p></p><p>If you need to make your example expositions far superior to previously, you can add some more words to them. This will make the example expositions all the more intriguing inquiries will be simpler to reply. By in cluding a couple of words, you will improve it than it was previously. You ought to consistently recall that the objective is to compose a unique essay.</p><p></p><p>There are likewise some acceptable sites that offer articles that are from the SAT tests. You can utilize these papers as a kind of perspective. On the off chance that you utilize these examples for a genuine test, you could have more karma responding to the inquiries you are given.</p><p></p><p>The paper tests that are on the SAT may give you a few thoughts regarding how to compose a genuine one. Be that as it may, it is dependent upon you to utilize these examples as a guide and be inventive in your own paper. On the off chance that you don't know about the article test you are utilizing, you can request another one.</p>

Argument Topics For Research Paper - How to Make Your Argument Topic Interesting

<h1>Argument Topics For Research Paper - How to Make Your Argument Topic Interesting</h1><p>There are various fascinating contention points for inquire about paper that you can attempt. You can likewise make your contention themes additionally intriguing by staying away from the undeniable focuses and utilizing some precarious contentions that will dazzle your adjudicators. It is critical to make your contention points intriguing in light of the fact that it is the primary focal point of your paper.</p><p></p><p>There are such a large number of subjects that you can consider when you are composing a contention themes for inquire about paper. Extraordinary compared to other path is to make it at any rate fascinating. You should have the option to persuade your perusers and judges that you can figure your own decisions dependent on your research.</p><p></p><p>When you think about an alternate subject, it is consistently fitting to consider other fascinating themes that will assist you with creating a persuading contention. With this strategy, you can undoubtedly get a thought on which question will be compelling in deciding your last answers.</p><p></p><p>When you have a reasonable thought on which addresses that will help you recorded as a hard copy your contention subjects for inquire about paper, you would then be able to search for the points that will suit you best. Once in a while, you may even discover numerous great point that you can consider composing your contention themes for look into paper.</p><p></p><p>Some of the most intriguing contention subjects for examine paper is the ones that depend on awful history. History in its turn is one of the most befuddling issues with regards to making a judgment in a specific case. Many appointed authorities will in general glance at the past in making their decision.</p><p></p><p >Therefore, on the off chance that you need to compose a contention theme that will settle on your perusers consider distinctive choice, you can make it dependent on various issues that are present for the situation. For instance, on the off chance that you are managing a contest between a couple, it is exceptionally hard to settle on a choice dependent on history. Along these lines, you should utilize something current to make the appointed authorities consider something different.</p><p></p><p>Education is another significant piece of judging. Judges are not making a decision about individuals dependent on the judgment of an individual, however dependent on the nature of training. On the off chance that you compose a contention theme dependent on training, you will have the option to make the adjudicators consider the nature of instruction that the candidate has received.</p>

Thesis Essay - Structure Of A Stem Graduate

Thesis Essay - Structure Of A Stem GraduateA stem graduate is a graduate thesis. It is very similar to a thesis in that it is used to show the author's research and accomplishments. However, a stem graduate thesis is shorter in length and can be used as an introductory level essay.The title of the paper is important because it will appear in the literature as well as the editorial department. The student should focus on being clear about his or her own voice and purpose. As a result, the composition of the essay is all the more important.In researching the topic, students should always understand the intent of the research. This means that they should be clear about the main point of the research. For example, one should be clear as to whether he or she will be writing about the history of the issue, or the reason why it was important to do the research. The student should be clear about what has led him or her to write about the issue.Many people who are concerned with preserving th eir reputation, or their business owners, may need to look at various options. A good way to make a good impression is to create a stem graduate with clear and easy to read prose. The composition of the essay should be organized and the exposition and research should be handled properly.Students must not fail to understand the importance of completing the thesis properly. The thesis is the introduction to the dissertation, and this is written in two separate paragraphs. It is important that the thesis is done well and that the reader gets a sense of the overall structure of the paper. In addition, a person must also understand that if there are several appendices to the thesis, then the student needs to be careful when putting the content together.The style of the paper must be based on the type of subjects or authors' research. The style of the paper must be appropriate for the overall theme of the paper. A writer should work in close collaboration with the editors of the literary journal.When writing the essay, the author must be honest, yet should not reveal all of his or her feelings about the essay. Any tips or advice, the author provides about the subject should be included. In addition, the content of the essay should not include anything that could get the author in trouble with the editors.There are many ways to write a good essay, however, the essay sample provided by the editors may help to clarify some of the writing rules. The authors graduate needs to be done well, yet a writer should not forget the importance of the theme of the paper. Finally, when choosing a college or university to write the thesis with, it is important to do some research, and check out a number of programs.

Film Essay Topics

<h1>Film Essay Topics</h1><p>Film papers are for individuals who have some information on screenwriting. At the point when you make a paper, it isn't just about the composition and considering what you need to state. It is increasingly about how the words will make your composing intriguing and drawing in to the reader.</p><p></p><p>Of course, there are an assortment of paper subjects that you can look over. A few people decide to compose their own inquiries. Others expound on subjects, for example, memoir, a history, a work or a bit of work that has roused them or life by and large. Others decide to discuss the exercises they have learned.</p><p></p><p>You may likewise decide to expound on a wide range of sorts of subjects. On the off chance that you expound on a work, it could be a film, a phase play, an energized film, a short story, a short film, a CD, or other sort of media. You could expound on life in general, h owever that would most likely not be pertinent to your film topic.</p><p></p><p>In general, you ought to compose in video form exposition subjects that you truly appreciate. In the event that you decide to, you might have the option to incorporate a portion of your own sentiments and encounters, however the primary concern of your paper ought to be founded on your insight and skills.</p><p></p><p>One basic yet powerful method is in the first place an exposition on your film thought or plan of assault. It could be anything based on 'what is the tale about?' to 'what makes this film special?'</p><p></p><p>Keep things basic and do exclude an excessive number of various types of subjects. Try not to expound on how this film is unique in relation to all the others, since this may simply appear to be a lot of contemplations and thoughts with nothing strong to go on.</p><p></p><p>Always attempt to consider your to be and shortcomings as an essayist. These can incorporate everything from your specialized aptitudes to your enthusiasm for a specific subject.</p>

The High Profile Case Of Joe And Teresa Giudice - 1068 Words

A digital government seem to be leading more and more cases for review of fraud. In the high profile case of Joe and Teresa Giudice who filed for bankruptcy in 2009 and then dropped their petitions, a statement released by the US Attorney’s Office, District of New Jersey, about the New Jersey couple from the Real Housewives of New Jersey were charged with, among other things, trying to hide assets and income during the bankruptcy process. Teresa Giudice and husband, Giuseppe â€Å"Joe† Giudice, both of Towaco, N.J., were indicted by a federal Grand Jury with the charge of conspiracy to commit mail and wire fraud, making false statements on loan applications, failure to file tax returns for a number of years, and bankruptcy fraud among other things. The indictment indicated that the â€Å"Guidices lied to the bankruptcy court, to the IRS and to a number of banks,† U.S. Attorney Fishman said. He went on to state, â€Å"everyone has an obligation to tell th e truth when dealing with the courts, paying their taxes and applying for loans or mortgages. That’s reality.† â€Å"The Federal Deposit Insurance Corporation Office of Inspector General is pleased to join the United States Attorney for the District of New Jersey and our law enforcement colleagues in announcing [the] indictment†¦,† Special Agent in Charge A. Derek Evans said. Agent Evans went on to say â€Å"We are committed to our partnerships with federal, state, and local law enforcement to address mortgage fraud cases throughout theShow MoreRelatedThe Connection Between Crime And Class1727 Words   |  7 Pagesbetween crime and class. It will look at a high profile case within Australia that occurred during 2014 and it will also look at how the media has portrayed this case. Not only will this essay look at high profile cases it will also look at cases from Western Sydney and discuss the differences in charges given to people with class and those without. Finally it will look at statistics from the Australian Bureau of Statistics (ABS) crime figures for a number of high class suburbs in Eastern Sydney, for

The Best College Essay Topics

<h1>The Best College Essay Topics</h1><p>Great school paper points are a treat for each article journalists, as they are appropriate for everybody. One can discover a ton of extraordinary decisions in the web, where you will discover various schools offering incredible points that make certain to get your attention.</p><p></p><p>Most schools and colleges have the absolute best exposition themes that are considered as among the best on the planet. These themes extend from various scholastic subjects, for example, history, geology, writing, and brain research. These themes are completely intended to be utilized by understudies who are learning at a college or school for quite a while. The vast majority of these points are applicable for secondary school understudies also.</p><p></p><p>The theme that you pick will hugy affect the way that your exposition turns out. This can have an immense effect in the manner that you sh ow up in the test itself. It is constantly insightful to go for a subject that you know well, since you won't have the opportunity to add on and change things.</p><p></p><p>First, it is imperative to consider the theme that you are expounding on. What is the reason for the article? Is it to say something on your own subject, or is it to make a contention on a significant subject? Ensure that the point that you pick is something that you know of.</p><p></p><p>The next thing that you have to do is to consider the arrangement that you need to make your article in. This is where a great deal of variables become possibly the most important factor. A great deal of exposition points on the web say that you can make an organization that you need, however then you should recollect that there are constraints. To start with, you have to settle on the length of the exposition, at that point you have to choose the subject and afterward you have to settle on the format.</p><p></p><p>The most ideal approach to choose onthe organization of your paper theme is to go to one of the conversation sheets that are identified with the theme. You will discover numerous points there that can assist you with settling on what configuration to pick. This will likewise give you thoughts on the best way to appropriately design your essay.</p><p></p><p>If you imagine that you can't settle on a choice on your school article subjects, at that point attempt an alternate course by doing some online research. You will discover numerous spots where you can do this, and you will discover numerous thoughts on the best way to approach making your exposition stand out.</p>

Top Reaction Essay Topics Guide!

<h1> Top Reaction Essay Topics Guide! </h1> <h2>The Number One Question You Must Ask for Reaction Essay Topics </h2> <p>Once you're prepared to start your paper, you need to make an intelligent article diagram. Peruse your absolute first draft outloud. </p> <p>The beginning of the Reaction exposition should have a vital tone, contains a postulation explanation that portrays the total Reaction paper quickly and attests your point of view. Here are a couple striking account passages and papers that could move your story. Reaction exposition is spoken to by methods for a book that is composed as a response to an alternate writer's work. A reaction exposition allows a student to answer a thought or data in an official manner. </p> <p>Now you know about how to compose response paper and can portray any piece of writing or cinematography with no pressure and stresses, even in the occasion the cutoff time is drawing closer! Since this kind of task is confined to introducing others' thoughts, a teacher will frequently join it utilizing a response task, to realize what your supposition is. On the off chance that you aren't sure what rules to follow, it's conceivable to consistently ask your educator. Go over the advantages and impediments of the government assistance change. </p> <h2> The Fundamentals of Reaction Essay Topics Revealed</h2> <p>In expansion, it's an incredible chance to meet new individuals and build up your open aptitudes. Where there isn't any evident consideration, there's no importance. Regardless of your subject will be you should introduce your individual musings, nature and mentality. Getting the hang of composing excellent reaction papers implies that an individual could communicate their perspectives on any kind of work, paying little heed to what style it's written in. </p> <h2>Understanding Reaction Essay Topics </h2> <p>When you compose this sort of article, it's important for you to communicate your own vision of the first work, together with perceptions and maybe even extra subtleties on a specific subject. Begin searching for any inquiries which you should focus on as per the task. There are in like manner a couple of tips, whic h will empower you to forestall regular errors. Gather the entirety of the data, question it and start making evaluative decisions. </p> <p>You need to record the key recommendations and feature the chief purposes of the paper. So as to make a powerful reaction paper, understudies ought to be influential, explanatory, and incorporate verifiable subtleties. Additionally, center around the appropriate arranging of your content. </p> <p>The favorable circumstances of Traveling is among the most notable interests and is a fabulous method to invest free energy or get-away. In this way, the two understudies of clinical consideration programs notwithstanding understudies of some other claim to fame may have an errand to create an exposition on wellbeing point. </p> <p>In a few of these Reaction article you can communicate your very own thoughts and thoughts regarding a matter. Ideally you are beginning to gain a superior handle on how best to pick from the unlimited assortments of intelligent article subjects and potentially even a superior thought of the best approach to begin composing your ex position. On the off chance that you accept that you won't can complete your paper by the cutoff time, you don't see much in regards to the exposition subject or you simply don't care for this kind of assignments, you should go to proficient journalists for help. To ensure your exposition isn't viewed as appropriated, you should abstain from refering to different people so be certain your reaction has its very own style and doesn't reflect various essayists' thoughts. </p> <p>Thesis is the focal point of the entire work, which has the crucial information on the whole paper. Choosing the point for your paper may be the hardest part.</p> <p>Remember you may cause clever factious papers in the event that you to do a couple of things. A few people may accept that the excellent substance could be composed on any theme and the paper achievement is reliant just on the dominance of the essayist. Be that as it may, figuring out how to use it in making fun exposition themes is something which will rapidly launch your evaluations. When given these sorts of intelligent article subjects, it's easy to consider about loads of particular answers. </p> <p>The principle reason for this report is to offer understudies a chance to comprehend what's a response paper and to depict how to finish it without any endeavors. Composing a response paper might be a genuine test, however at the very same time it can assist you with enhancing your logical capacities and offer your assessment with the world! Your exposition may fixate on sexual orientation issues from various segments of the world, for example, ladies rights in t he Middle East, etc. Cling to the requests your educator has given you. </p>

Research Papers on Homeless Veterans

<h1>Research Papers on Homeless Veterans</h1><p>Free look into papers on destitute veterans can be discovered online from the various distributions. You need to investigate the site and pick the kind of research papers that you are searching for. The examination papers on destitute veterans are intended for investigating about destitute vets as well as for enlisting destitute vets for the different associations and businesses.</p><p></p><p>The site is additionally an extraordinary wellspring of free research papers on destitute veterans. You can discover it at different locales or you can likewise gain admittance to the site by tapping on the connection below.</p><p></p><p>You can likewise investigate papers on destitute veterans via looking on the World Wide Web. You will discover bunches of sites that you can ride the net with. You should simply ride the net. To peruse through the different sites, you simply need to do some essential research work.</p><p></p><p>You ought to consistently guarantee that you are riding the sites with the assistance of different web based life stages. Web based life permits you to visit the various sites in various manners and simultaneously. You simply need to accomplish the examination work when you want to surf the net.</p><p></p><p>You can likewise get free research papers on destitute veterans from different web journals. You can discover websites that are identified with the point just as you can compose a few posts. You can likewise pay special mind to web journals that are identified with the theme.</p><p></p><p>You should do a portion of the exploration papers on destitute veterans when you surf the web. You can get all the data about the examination papers by doing a basic pursuit on Google. You can likewise contact the distribution or association through email. You can likewise get t he contact subtleties of the organization.</p><p></p><p>Research papers on destitute veterans can be benefited by you by paying special mind to free research papers on destitute veterans. This encourages you to discover about the foundation of the destitute vets and furthermore to instruct general society about the issue.</p>

IB Essay Topics - Advice on Researching and Writing the Essay

IB Essay Topics - Advice on Researching and Writing the EssayI'm sure you're familiar with the two IBI Essay Topics. The first one pertains to current events and its focus is the Olympics, while the second one focuses on the present and future. Now that we've discussed the Olympics, the next step is to start planning and preparing for the new academic year.Now is when it starts - now is the time to start learning more about your classes. Ask your professor if you can see their syllabus. Your professor will also give you a review book that lists your coursework for the semester. This way, you'll know what you need to work on and where you should look for help.Another good thing to do is to go through your English text books and check them for punctuation errors, poor grammar, and typos. A lot of students tend to make careless mistakes that will not only decrease their grades but will also cost them some credibility as well. Most people ignore this aspect of writing, but if you are ser ious about your essay, it is important that you do not overlook it. Let us take for example the sentence, 'The politician's husband is an expert in press relations.'You might be surprised to know that one of the IBI Essay Topics 2020 is punctuation and grammatical issues. You should not skip over these things, since they play a big role in how your essay turns out. By taking the time to check on these small things, you will be able to write better essays because you'll not miss out on anything.One of the most popular IBI Essay Topics is the research section, and since we are writing an essay, let us start here. Make sure you have a good research study guide that can help you write properly and effectively. You might also want to get an outline of your essay topic from a writing tutor.In addition, the best way to get your article prepared is to write an original composition based on the subject you are writing about. Keep in mind that an essay is not an autobiography; it is simply a way to collect data and information and then put it into a piece of written communication. Write your own facts, opinions, and reflections instead of reading those presented by other writers.After you finish writing your essay, you need to read it again. Go back to your paper at least once and make sure you understand what you just wrote. You don't have to check your grammar and spelling, but you should spend a bit of time on this especially when you're in the middle of writing your essay.Remember, the IBI Essay Topics you are working on this year should be based on the topics of your teachers have mentioned during the lectures. Spend some time researching those topics and how you can apply them to your essay topic. Write up your research notes before you go to bed so that you can do it all the next day.

Career Journey For Success My Career Path - 941 Words

Career Journey to Success My career path was rerouted after the birth to my son. I was managing a 24-hour Alarm Monitoring Call Center with two years of college education in Psychology. Due to an inconsistent work schedule and difficulty locating Psychology courses that worked around my schedule, I decided to change my career path to Business Management, since I already had nearly 8 years experience in supervision and management. My mentor introduced me and made me familiar with the Dictionary of Occupational (DOT) following high school. The DOT is comprised of all occupations and job titles, salary ranges, responsibilities, and industries (Berry, 2003). As I prepared for my new journey, I evaluated my decision, researched, planned, applied for new occupations that interest me, and prepared for my new career in Management. Motivation I soul searched my career path to ensure my thoughts and motivations were parallel. Although, I managed a call center for many years, often versioned quitting because the position lacked fulfillment in many areas. I realized I possess the ability to lead others and get encourage them to adhere to the rules of the organization, I also documented well, lead by example, was a team player, and encouraged others to do well. As I came to a conclusion, I stopped determine what motivated me in this position. Berry (2003) discusses intrinsic and extrinsic reward systems. Intrinsic rewards are motivations that offerShow MoreRelatedMy Experience At Washington State University945 Words   |  4 PagesI believed to be inspiring to my life: â€Å"In times of adversity and change, we really discover who we are and what we’re made of.† During my undergraduate career at Washington State University, I have not only been impacted by many challenges, but I possessed the courage and a mbition to overcome any obstacle. These experiences led me towards exceptional memories and a journey that has shaped the path toward my internship with PwC in Seattle. While in China during my study abroad trip I realized thatRead MoreMedical Billing1352 Words   |  6 PagesRunning Head: MEDICAL BILLING AND CODING Medical Billing and Coding as a Career Abstract: Since I became a mother, I have always wanted a job that would allow me to work at home. I have an associate in accounting and tried doing bookkeeping from home but that did not really work out. I did some research and found that being an insurance medical biller and coder is one of the best jobs to have for working at home. Top Medical Billers can earn over $40,000 a year either at home or inRead MoreThe Ultimate Goal For Most People822 Words   |  4 Pagespeople is to lead successful and happy lives. Success can be defined in many different ways based upon a person’s goals and life experiences. In order to achieve any goals, extensive work must be put forth by oneself without relying on others help. Though it seems clear to me that hard work will most definitely lead to success, some people believe the opposite. This position takes the stance that hard work essentially is not the reason for success and that outside forces that out of one’s controlRead MoreBasketball Vs. Basketball822 Words   |  4 Pagesbasketball player ever. This quote means more than just how to be successful in basketball; it means that making mistakes is part of the journey to a prosperous life, but not taking chances strays from the path to success. In today’s world, people have to be competitive to succeed in anything. The formula for both a â€Å"good† life and successful basketball career requires many similar things, like working hard, being able to develop new skills, and ultimately persevering through tough times. WhenRead MoreMy Life I Have Not Always Chosen The Right Career Path1604 Words   |  7 PagesIn my journal through life I have not always chosen the right career path. When I was in high school I have no specific plan for the future. I started my family early; a single mother at age 18 with no job and nowhere to live. Over the next 3 years I eventually found a job and applied for an apartment. After working 23 years in manufacturing I became weary with life. I realized that an education was the best choice for my future. However, I’ve always had an interest for teaching others and a passionRead MorePast Present and Future1580 Words   |  7 Pagesdrawn to a program that would hasten my long-term goal. Barbara s Past This student began my studies at the University of Phoenix in August of 2004. In December of that same year, my son graduated from Louisiana State University with his undergraduate degree in Political Science. He has been my constant motivation. Other than childbirth, trying to stay on my educational path has been one of the most difficult journeys, and changes I have tried. At times, my pathway has been congested with theRead MoreWhat I Want For My Career843 Words   |  4 PagesGrowing up I always toggled with what career I wanted to pursue. I saw myself fitting into many different paths, but the common factor out of all the careers was that I wanted my profession to benefit and help the people who received my services. I soon came to realize that nursing was the exact fit, and in addition it allowed me to stay true to my values and beliefs. My parents raised me to know no better than to be kind and serve others and doing so was part of my nature. I was born and raised in AmericaR ead MoreCareer Plan For A Career Development Plan1228 Words   |  5 Pages Career Development Plan Vivian Morgan A career development plan will help you improve or maintain your current level of success and prepare for future opportunities. The career development plan will aid in enhancing my personal growth and heighten my career development. Goals or plans give you the push to move forward in life and to seek better skills that lead to top jobs and positions. This plan includes sections for the following process: 1. Assess my current state. Identify goals and objectivesRead MoreAnalysis Of Hidden Figures By Margot Lee Shetterly1377 Words   |  6 Pagestiming, as I will soon begin my undergraduate education and I, like Katherine Johnson, originate from a sparsely populated town in West Virginia. If Katherine Johnson, a product of the mountain state, could successfully calculate the trajectories for the first American in space and for the first American to orbit the Earth, what am I capable of accomplishing? Hidden Figures by Margot Lee Shetterly has provided me with an abundance life lessons that are applicable as I begin my college education– knowledgeRead MoreMy Career As A Nurse Essay1153 Words   |  5 PagesIntroduction: Throughout our lives, we will encounter different people that will leave imprints in our career. Some of them will lift you up and some will bring you down. The person that I am sharing with you is someone that inspired me to forgo my pursue of my Master’s degree. The reason I picked this person is because she isn’t only a mentor, but someone that I look up to and rely on when I have questions. As a young registered nurse, we need someone to lean on especially when working the

National Student Debt free essay sample

As the cost of education is on the rise students and their parents are trying to come up with the money to go to college. The usual steps are to seek grants from the government, private organizations, and from organizations setup through the colleges themselves. There are also loans that are made through the private sector and those from government based organizations. Some students go as far as trying to pay for college using credit cards. In the end students seeking higher education graduate with enormous debt, creating a larger burden on the economy and those struggling to pay off these bills. If the situation concerning the national student debt is not handled correctly then this country will find itself with a much larger problem in the near future. Proposition of Policy: The Federal and State government should institute policies to significantly reduce the national student debt. Definitions: The definition of default is provided by Business Dictionary. Com â€Å"Borrowing: Failure to meet the terms of a loan agreement. Its two types are (1) Fiscal: Failure to make repayment on the due date. Generally, if a payment is 30 days overdue, the loan is in default. Covenantal: Failure to live up to one or more covenants of the loan agreement such as exceeding the prescribed total borrowings. † Business Dictionary. Com provides a definition for endowment as â€Å"Gift of money or income producing property to a public organization (such as a hospital or university) for a specific purpose (such as research or scholarships). Generally, the endowed asset is kept intact and only the income generated by it is consumed. † Claim 1: The national student debt is a large problem. Sub Claim A: The national student debt is a large problem because the cost of tuition is becoming more expensive. Grounds A1: The research gathered by Matthew Reed in his paper, â€Å"Student Debt and the Class of 2007,† published in October 2008 by the Project on Student Debt website states, â€Å"Our analysis indicates that for colleges reporting data for both the class of 2006 and the class of 2007, the average debt of students graduating with loans rose from $18,976 to $20,098, a six percent increase. The increase was roughly the same for both public and private nonprofit four-year colleges. Average debt for the class of 2007 was $18,482 at public colleges and $23,065 at private colleges. Data limitations cause these averages to be lower than actual levels. We estimate that the actual average student loan debt level for the class of 2007 is nearly $21,900: $19,400 for borrowers at public universities and nearly $25,700 for borrowers at private colleges. While it is still generally true that college graduates earn much more than those with only a high school education, student debt is rising faster than starting salaries for new graduates. While average student debt at graduation rose by six percent between 2006 and 2007, earnings for 18- to 24-year-olds with bachelor’s degrees rose only three percent. Grounds A2: Information provided by Marcia Clemmit in her paper â€Å"Student Aid† from the CQ Researcher dated January of 2008 states, â€Å"As the cost of higher education rises, grants for needy students have lagged behind, and more students are dependent on loans to finance their education. At the same time, worries about college costs have been reaching higher up the socioeconomic scale. In response, states and private colleges have launched new merit-based scholarships that shift some aid from the neediest students to middle- and even upper-income families. In-state tuition and fees (excluding room and board) for public, four-year schools average $6,185 for the 2007-2008 school year, up 6. 6 percent from 2006-2007; out-of-state tuition averages $16,640. At private four-year schools, the average 2007-2008 tuition and fees is $23,712, up 6. 3 percent from 2006-2007. The cost of college has nearly doubled over the past 20 years, in inflation-adjusted dollars, and college tuition and fees have risen faster than inflation, personal income, consumer prices or even the cost of prescription drugs and health insurance. Warrant: While the cost of school continues to rise, so too does the national student debt. This shows that there is a direct correlation between the two. (causation) Sub Claim B: The national student debt is a harmful problem because students’ life choices will be impacted by debt burden. Grounds B1: A summary of President Barack Obama’s speech presented by Christopher Hass, â€Å"President Obama on Higher Education and Reforming Student Loans,† published in April 2009 by My. BarackObama. com, â€Å"There are few things as fundamental to the American Dream or as essential for Americas success as a good education. This has never been more true than it is today. At a time when our children are competing with kids in China and India, the best job qualification you can have is a college degree or advanced training. If you do have that kind of education, then youre well prepared for the future because half of the fastest growing jobs in America require a Bachelors degree or more. And if you dont have a college degree, youre more than twice as likely to be unemployed as somebody who does. So the stakes could not be higher for young people like Stephanie. â€Å"And yet, in a paradox of American life, at the very moment its never been more important to have a quality higher education, the cost of that kind of that kind of education has never been higher. Over the past few decades, the cost of tuition at private colleges has more than doubled, while costs at public institutions have nearly tripled. Compounding the problem, tuition has grown ten times faster than a typical familys income, putting new pressure on families that are already strained and pricing far too many students out of college altogether. Yet, we have a student loan system where were giving lenders billions of dollars in wasteful subsidies that could be used to make college more affordable for all Americans. † â€Å"This trend a trend where a quality higher education slips out of reach for ordinary Americans threatens the dream of opportunity that is Americas promise to all its citizens. It threatens to widen the gap between the haves and the have-nots. And it threatens to undercut Americas competitiveness because America cannot lead in the 21st century unless we have the best educated, most competitive workforce in the world. And thats the kind of workforce and the kind of citizenry to which we should be committed. † Grounds B2: In the article by Nick Hillman, â€Å"Student Debt Burden,† published in August 2007 by the American Association of State Colleges and Universities, â€Å"Students often see higher education as the primary path to upward mobility, but when they accumulate excessive debt this pathway quickly becomes riddled with pitfalls. Students who graduate with debt may put off life milestones such as buying a car, owning a home, getting married, or entering certain low-paying professions like teaching or social work. The latter subject was investigated in a recent State Public Interest Research Group report about careers in public service and student debt. Their research found that nearly one in four recent public college graduates who entered the teaching field had unmanageable levels of debt. Social workers fared even worse—37 percent of public college social work graduates entered the field with unmanageable debt. Debt becomes â€Å"unmanageable† when student loans and other outstanding debts take up a significant portion of annual personal income. Students who earn incomes lower than the national average, yet have above-average levels of student debt, are likely to carry unmanageable debt. In the next ten years the country will need two million new teachers, but high student debt levels and low earning potential could discourage students from pursuing teaching or other public service careers. Students are not only taking out more loans today than ever before, they are also living with record levels of unmanageable debt. Although the average borrower graduating from a public college owes $17,250 in debt, one in four finishes school owing at least $22,822. Particularly worrisome is that the number of college graduates with at least $40,000 in student loan debt has increased 10–fold in the past decade. These numbers pose long-term threats to recent college graduates’ lifelong decisions, but the financial future of borrowers who do not earn a degree is bleaker. It is not uncommon for students, especially low-income students, to drop out of college only after accumulating thousands of dollars in student loan debt. Nearly one in five students who do not graduate from college leave with $20,000 in student loan debt. Borrowers who drop out earn lower incomes and face a high risk of accumulating unmanageable debt that is likely to result in forbearance, default, or even bankruptcy. When students face these financial hardships, they are more likely to require state services such as Medicaid if they are uninsured and unemployment benefits if they are out of work. The long-term impacts of debt not only affect individual borrowers’ futures; taxpayers may find themselves providing additional resources to those who cannot keep up with their debt repayments. Living with unmanageable debt presents graduates with genuine fears about entering college, completing college, pursuing post-baccalaureate degrees, and choice of career. Living with unmanageable debt presents even greater fears to those who drop out of college. † Warrant B: Student debt impacts the decisions made by students on what to do after graduation, or attending college all together because most realize the enormous debt they will incur if they decide to pursue higher forms of education. (causation/ generalization) Sub Claim C: We are failing to solve the problem of the national student debt because lenders are making large profits from the loans they give to students. Grounds C1: An article posted by Foon Rhee, deputy national editor posted a speech by Barack Obama, â€Å"Obama says he’s ready to battle on student loan reform,† published in April of 2009 by The Boston Globe, â€Å"Obama wants to end the private Federal Family Education Loans program that the White House says costs taxpayers an unnecessary $5 billion a year by using private firms as brokers. That is a premium we can no longer afford, he said, saying the system is rigged to give profits to special interests without any risk. Right now, there are two main kinds of federal loans. First, there are Direct Loans. These are loans where tax dollars go directly to help students pay for tuition, not to pad the profits of private lenders. The other kinds of loans are Federal Family Education Loans. These loans, known as FFEL loans, make up the majority of all college loans. Under the FFEL program, lenders get a big government subsidy with every loan they make. And these loans are then guaranteed with taxpayer money, which means that if a student defaults, a lender can get back almost all of its money from our government. † Grounds C2: â€Å"The Real Student Debt Problem,† is an article written by Anya Kamenetz in October of 2007 by The American Prospect says, â€Å"Private loans are handled by large banks like Citibank and federal lenders like Sallie Mae, but some of the worst abuses occur with lower-profile outfits that make only education loans. Recently, New York City Attorney General Andrew Cuomo singled out three lenders Elite Financial Group, Academic Loan Group, and Erie Processing. He alleged that they marketed their loans deceptively and aggressively, online and directly to students. Elite sent solicitation letters marked Federal Loan Division that sported an eagle seal. â€Å" â€Å"The evidence is mounting that families are confused by such tactics and by the myriad financial aid choices available. A simple policy change by Barnard College this past year showed that contrary to the claims of lenders, many families are borrowing far more than they need to in private loans. â€Å"Furthermore, private lenders often partner with for-profit and career colleges that target the least experienced students with programs that are more expensive than, but similar in quality to, public community colleges. At these schools, financial aid officers may sign up students for private loans even when they are eligible for federal aid. Similarly, students in film school, culinary school, and other high-cost programs are graduating with six figures of high-interest private loan debt and low or unpredictable incomes. Warrant C: As long as there are private lenders who are unregulated under the Federal, or State laws then these groups will continue to take advantage of students and their parents who are not educated in taking out loans. (Causation) To support this proposition I offer the following plan: I. Mandate: -Expand Student Loan Forgiveness programs -Eliminate the Federal Family Education Loan Program -Require that both lenders and schools are providing some type of counseling to clarify risks to borrowers Give tax breaks to schools who keep tuition cost down Increase Federal Grants II. Agency: -The mandates of the plan will be carried out by the U. S. Department of Education, with the help of the State Department of Education and by the colleges and universities. III. Enforcement: -This will be enforced on the Federal and State level and primarily through the colleges IV. Funding: -Funding should be provided by the Federal and state government through tax break incentives, interest collected by the loans and by the schools themselves. All loans be made through the Federal governments Department of Education V. Legislative intent: Will be clarified by today’s discussion in the question and answer period of class. Claim 2: We can solve the problem. Sub Claim A: The change of Federal laws and regulations can help solve the problem of the student national debt. Grounds A1: The article Model Legislation: A Federal Tax Credit for Student Loan Interest, found on the Project on Student Debt published in 2007 states, â€Å"To help ensure that borrowing for college does not jeopardize families’ financial security, the Project on Student Debt has developed model legislation for a federal student loan interest tax credit. This credit provides more meaningful relief to households with burdensome student debt than the current student loan interest deduction. It rewards work, encourages timely payment, and recognizes family responsibilities. † Key Features †¢ Individuals and families with student loans receive a tax credit* on up to $4,000 of the interest they pay each year. The credit replaces the current tax deduction* for up to $2,500 of student loan interest. †¢ The size of the credit is based on the borrower’s income, loan burden, and family size. †¢ The taxpayer must be working in order to qualify. Loans made to both parents and students are covered, as are both government and private higher education loans. †¢ Qualifying loans can cover tuition, room and board, transportation, books and supplies. †¢ Eligibility phases out for joint filers with incomes between $100,000 and $140,000, and for single filers with incomes between $50,000 and $70,000. †¢ The credit is refundable, so that borrowers get the full credit even when it is larger than the amount of income tax they owe that year. †¢ Those who benefit from the current tax deduction will receive as much or more relief from the new credit. Grounds A2: Evidence found in the article The Real Student Debt Problem found in the American Prospect web site written by Anya Kamenetz in 2007 shows that through educating parents and students of the risks brought on by lenders they can lower their risks of shady loans made by private organizations. â€Å"More important, by reforming repayment rules, the bill takes steps toward restoring the premise championed in our country from  the creation of the land-grant universities: Higher education is a public good, not just an individual investment. The bill creates a range of loan repayment programs for graduates who choose to enter public service and introduces Fair Payment Assurance, which allows borrowers to limit student loan payments to a percentage of income, and cancels the debt after 25 years. The College Cost Reduction and Access Act is the most meaningful higher education reform in more than 15 years, said Luke Swarthout, US PIRG Higher Education Advocate. This legislation is an example of Congress getting policy-making right. Emboldened by these successes, advocates see momentum growing for even broader reform that could offer meaningful relief to students by reining in the excesses of an ethically dubious industry. But no serious remedy is on offer for the elephant in the room: tuition increases themselves. Currently, student loan debt, like child support and tax liens, but unlike all other unsecured debt, cannot be discharged (forgiven) in bankruptcy. Bankruptcy reforms in 1998 made federally subsidized student loans nondischargeable, and the notorious 2005 Bankruptcy Abuse Prevention and Consumer Protection Act excluded private, unsubsidized student loans as well. The amount of federal student loans a student can borrow is capped at $23,000 for undergraduates, at interest rates of 6. 8 percent. Private or alternative education loans, which receive no government subsidies, have no effective limits. Students may borrow $200,000 or more at rates anywhere from 9 percent to 19 percent. As tuition soars more than twice as fast as inflation, these expensive private loans are filling in the gaps. The volume of private student loans grew a staggering 894 percent in the past 10 years, in constant dollars, to one-quarter of all student loans. Private loans are handled by large banks like Citibank and federal lenders like Sallie Mae, but some of the worst abuses occur with lower-profile outfits that make only education loans. Recently, New York City Attorney General Andrew Cuomo singled out three lenders Elite Financial Group, Academic Loan Group, and Erie Processing. He alleged that they marketed their loans deceptively and aggressively, online and directly to students. Elite sent solicitation letters marked Federal Loan Division that sported an eagle seal. The evidence is mounting that families are confused by such tactics and by the myriad financial aid choices available. A simple policy change by Barnard College this past year showed that contrary to the claims of lenders, many families are borrowing far more than they need to in private loans. Before certifying to a private lender that a student was enrolled, Barnard began requiring that the student or family talk with a college financial aid officer. This simple conversation, making families aware of the high cost of private loans and of other available options, led to a 73 percent decrease in private loan volume. † Grounds A3: In the previously cited article â€Å"Student Debt Burden†, it references to â€Å"Maryland and Florida, like many other states, offer loan forgiveness to students who stay in-state to teach science or math, or practice social work. While this helps alleviate the debt burden for some students, debt remains pervasive and this is only one measure that helps a small number of borrowers. A number of other states are approaching this through efforts to reduce time-to-degree and aligning transfer agreements between two-year and four-year institutions. Colleges and universities recognize that students need more help paying for college, but they should continue to find ways to help students avoid debt. Campus administrators favor plans to increase the amount of federal and state need-based aid to address student debt. Students still are accumulating massive levels of debt, so colleges and universities must support efforts that help students understand the long-term implications of excessive borrowing. The University of Arizona has taken a proactive approach by designing a program that teaches students about the costs and benefits of taking out student loans and the long-term impact borrowing has on life decisions. States and their higher education institutions need to continue developing creative ways to help borrowers succeed during and after college to avoid the pitfalls associated with the record levels of debt students accumulate today. Through Federal regulation of lenders, education on taking out loans and tax breaks, or forgiveness we can manage this growing problem of the national student debt. (sign) Conclusion: If we as a society do not act now we will face ever growing challenges with education, the economy and eventually completion from countries offering superior educated individuals. We can solve these issues through the previously mentioned plan of action and reduce the national student debt.