If You Have Bad Credit, a Letter of Explanation Could Help

If You Have Bad Credit, a Letter of Explanation Could Help If You Have Bad Credit, a Letter of Explanation Could Help If You Have Bad Credit, a Letter of Explanation Could HelpA letter of explanation could be the difference between getting your loan application approved and having it denied.This might be surprising to hear, but certain important financial decisions can hinge on something as simple as a letter. That’s right! Letters of explanation are an important part of the lending industry; they allow borrowers to clarify certain items in their financial history, including a bad credit score.Lousy credit can leave you high and dry when it comes to borrowing money, forcing you to use no credit check loansâ€"like cash advances, title loans, and payday loansâ€"when you have a fiscal emergency. And while there are plenty of safe, affordable bad credit loans out there, they wont help if youre looking to rent or buy a home. And thats where one of these letters of could come in handy.What is a letter of explanation?Whoever came up with the name for letters of explanation was a pretty straightforward du de, because that name pretty much says it all. These letters are submitted as a part of a loan application process in order to explain certain aspects of your finances that might otherwise raise a red flag.Letters of explanation are mostly associated with mortgages, because those loans have an incredibly stringent application process. Talk to anyone who’s in the middle of applying for a mortgage or has just finished applying for one and the half-deranged look in their eyes will tell you all you need to know about that.These letters are necessary because sometimes there is more to a particular situation than meets the eye. Sometimes perfectly normal transactions can look suspicious if, for instance, they were done in cash; other times a recent change of job or address will trip up underwriters and require clarification.Basically, lenders just want to confirm that you will be able to afford your loan. Letters of explanation help them get an accurate picture of your finances as they assess your application and decide whether or not to approve you for a loan.And it’s not just lenders either. Remember that many landlords will check your credit when you are trying to rent from them, so a bad credit score could end up costing you that sweet apartment. Writing a letter of explanation to a prospective landlord or rental company can help your chances of being accepted.Not all bad credit scores are created equal.If you have a bad credit scoreâ€"which is generally considered to be any score under 630â€"then it’s probably because you have made mistakes managing your credit. You have likely been missing payments, getting accounts sent to collections, or maxing out your credit cardsâ€"or some combination of all three!In cases like these, where there has been a repeated pattern of mismanagement, a letter of explanation probably isn’t going to do you any good. Your credit score is reflecting your use of credit pretty accurately. A traditional lender like a bank or a mo rtgage company is right to worry. You’ll have to turn your behavior around and build your credit score back up before you can qualify for a regular loan.However, if there are extenuating circumstances that have lead to your score dropping, a letter of explanation could definitely help. Did you end up in the hospital and your medical bills forced you to declare bankruptcy? Or what about a personal loan that you actually paid off but got sent to collections in error? Maybe you moved cities or states for a better paying job, but you had to put those moving expenses on your credit card.There are tons of different scenarios where a one-time situation caused your score to drop. And these are the kinds of scenarios where you’ll want to write a letter of explanation where you lay out the situation andâ€"this part is very importantâ€"make clear why said situation won’t really affect your finances moving forward.One position where a letter of credit is a great idea is when there are err ors on your credit report. If you are having trouble getting those errors resolved, you will for sure want to send a letter explaining the mix-up. After all, it’s quite literally not your fault that this information is lowering your score. To learn more about fixing credit report screw-ups, check out our blog post: How Do You Contest Errors On Your Credit Report?5 tips for writing a bad credit letter of explanation.So, now you know that a letter of explanation can be a useful tool for overcoming a lousy credit score. But a fat lot of good that information will do you without some tips to help you actually write one! Here are five pieces of advice to follow when composing a letter of explanation for poor credit:Be formal: This is a business communication, not an email to your mom or a text to your bestie. Date your letter and make sure you sign it at the bottom. Also, avoid casual language as much as possible.Be specific: Think of your letter as answering a very specific question a bout your finances. Include relevant dates, dollar amounts and your loan application number (if you have one). If you have documentation, include it. If you don’t, say that you don’t.Be classy: In general, avoid “blaming” other people and companies for what happened to you. Even if what happened to you wasn’t your fault, stick to the “X happened” instead “X did this to me, that stupid jerk.” Take responsibility for the situation and promise better in the future.Be brief: Your letter should only contain information that is absolutely relevant to matter at hand. With a bad credit score, your letter might be a little longer than a letter concerning a single transaction would be, but still: Make your letter as short as possible while still being effective.Be honest: This is crucial. Do not lie and don’t ever exaggerate or twist the facts. That will come back to bite you big time. Make sure you cop to the role you played in the events. The more you come across as a st raightforward, trustworthy person, the better.A letter of explanation isn’t a magic wand that you can wave over a denied loan or rental application and magically get it approved. But it is certainly a useful tool for any person looking to borrow money or rent a home. There are so many parts of the great financial machine that are hopelessly complicated. Letters of explanation, on other hand, are just wonderfully simple.To learn more about living life a lousy credit score, check out  these related posts and articles from OppLoans:How to Finance a Phone with Bad CreditHow Bad Credit Can Affect Your UtilitiesCan You Have Bad Credit Even With a Good Income?Have you ever had to write a letter of explanation? We want to hear from you! Let us know  on Facebook  and  Twitter.

Combating Rampant Corruption Of Italy - 943 Words

The Law In November 2012, the Italian Chamber of Deputies passed Anti-Corruption Law 190 for the purpose of combatting rampant corruption in Italy. The law established the Commissione Nazionale per la Valutazione, la Trasparenza e l’Integrità   delle Amministrazioni Pubbliche as the anti-corruption authority in Italy. The law and authority go hand in hand. Purpose This national anticorruption authority (CIVIT) was tasked with implementing and overseeing standards on public officials to prevent corruption. The authority was also constructed to ensure that public officials would comply with all initiatives and guidelines set by the authority. It was also to determine the causes of public sector corruption and the necessary steps to fix consistent problems. It also needed to cooperate with international anti-corruption bodies and report to parliament on the effectiveness of its initiatives. It is held accountable for progress made in the fight in Italy’s public sector corruption. Implementation All public administrations are required to create an anti-corruption plan and adopt a code of conduct for employees to prevent corruption. A compliance officer is then placed to ensure that all guidelines are followed and that the created plan was implemented. The officer also makes sure the plan complied with the authority. If the plan was not respected by employees, it would lead to sanctions and further disciplinary actions. New Penalties Under 190 Bribery became an offenceShow MoreRelatedSpain and Japan Wine Industry Factbook12631 Words   |  51 PagesEntering the Market 4.6.1. Investment Climate 4.6.2. Supply Market Condition 4.7. Labor Market 4.7.1. Working Conditions in Spain 4.7.2. Working Conditions in Japan 4.8. Political/governance System 4.8.1. Ruling Political Party and Ideology 4.8.2. Corruption 4.8.3. Legislation and Regulation 4.8.4. Trademarks and Patents 4.8.5. International Trade Agreements 4.9. Economic and Political Risks 4.9.1. Finanical Environment/Health 4.9.2. Attitudes towards Foreign Companies 4.10. Industry ConditionsRead MoreSixteen Most Significant Events in U.S. History between 1789 to 19756920 Words   |  28 PagesThirteenth, Fourteenth, and Fifteenth Amendments. The Sherman Antitrust Act passed in 1890 outlawed any contract, combination, or conspiracy in restraint of trade. It also forbid any attempt to create a monopoly. The law was aimed at combating trusts which were being formed in the late 1800s such as U.S. Steel and Standard Oil. It was believed that the formation of these trusts was eliminating competition and leaving the consumer at the mercy of the large corporations which controlledRead MoreBusiness Opportunities14520 Words   |  59 Pagesgroups of people (women, young people, immigrants and the unemployed), different sectors of industry (IT, biotechnology, life sciences). And yet, some policies focus on encouraging entrepreneurial activity in different geographies in the hope of combating rural depression or urban decay. There are mixed results with sectoral policies (Storey, 1994). It seems that execution and efficiency are integral to carrying out these policies successfully. 4.3 Industry Conditions Affecting EntrepreneurialRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pagesthe rain forest for land to plant their crops or pasture their cattle, he seeks to identify the specific agents responsible for both pollution and ecological degradation. And he tracks underlying trends and factors—such as rapid population growth, rampant consumerism, and global warfare—that have contributed to global climate change. Tucker concludes his rather pessimistic assessment of these key dimensions of the twentieth-century experience with cautionary explorations of key sources of our increasedRead MoreMarketing Mistakes and Successes175322 Words   |  702 Pagesparticularly wanted to replicate authentic Italian-style coffee bars, such as he had found so intriguing several years before on a trip to Italy. These were small social gathering places, sometimes two or three to a block, serving richly flavored coffee and espresso. Schultz decided to name his new venture Il Giornale, this being the name of the largest newspaper in Italy, and giornale means daily. The name expressed his hope that people would patronize daily. Schultz estimated he would need $400,000Read MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pageseffective managers (defined in terms of quantity and quality of their performance and the satisfaction and commitment of employees), communication made the largest relative contribution and networking the least. More recent studies in Australia, Israel, Italy, Japan, and the United States confirm the link between networking and social relationships and success within an organization.10 And the connection between communication and effective managers is also clear. A study of 410 U.S. managers indicates those

Sexual Assault And Sexual Harassment - 1322 Words

Women in combat is a sensitive topic throughout the Armed Forces. Although in January 2013 the Military made the decision to end the ban on women in combat, many still oppose this decision. Many Combat jobs have very strict requirements, such as physical abilities. There are many concerns of women being able to fulfill these types of requirements. Another big concern is the risk of sexual assault and sexual harassment, many people feel that women in combat jobs are at a higher risk of being subjected to these types of things. The safety of our soldiers whether male or female is a big concern for everybody, no matter their position on this particular topic. Women are thought to be sensitive creatures, the worry of their sensitive nature in a combat zone might hinder the mission. Completing the mission is and will always be a major requirement. If a question of mental and physical ability can be proven to complete the job requirements, should this still be an issue? The possibiliti es of sexual harassment and assault are very serious. Unfortunately, this is an issue whether in the military or not. Sexual crimes happening in college are a serious issue, as a society we cannot tell women not to go to college because there is a greater possibility of being sexually assaulted or harassed. If a person has all credentials, and qualifications to perform a job, they should be allowed to regardless of gender, and safety concerns should enforce preventive measures so that allShow MoreRelatedSexual Assault And Sexual Harassment1251 Words   |  6 Pagesand left, trained to stay there regardless of what may happen. A special bond develops when leaders live their lives following the fundamentals of leadership.†-- SMA Glen E. Morrell Today, sexual assault and sexual harassment continues to occur throughout the Army. The effects of sexual assault and harassment can be psychological, emotional, and/or physical. Some of the effects victims may experience is depression, anxiety, PTSD, or even suicide. Occurrences of these events is harmful to the moraleRead MoreSexual Assault And Sexual Harassment1841 Words   |  8 Pagesâ€Å"Campus Sexual Assault Victim’s Bill of Rights Act of 1991.† This act was signed into law in 1992. This book in a continuation of what still needs to be done to prevent sexual assault and sexual harassment on college campuses. This book covers why college institutions handle sexual assault poorly and the consequence of their negligence. To do this subject justice they focus on the following questions: 1. What is the definition of sexual assault? 2. How often, who and where do sexual assaults happenRead MoreSexual Assault And Sexual Harassment1873 Words   |  8 Pagesco-authored The Campus Sexual Assault Victim’s Bill of Rights Act of 1991. President George H. W. Bush signed this act was signed into law in 1992. 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The reason why SHARP is on the increase is that people are starting to report it. When SHARP first appeared in the many military people did not know how to report it. It is important that all soldiers and the civilians know the process how to report SHARP. According to the SHARP guide book Sexual Harassment is â€Å"Sexual Harassment is a form ofRead MoreSexual Harassment : A Type Of Physical Assault2045 Words   |  9 PagesSexual Harassment, a type of physical assault that can happen to any age group and any gender. Sexual Harassment has been around for many years, yet was not classified as a major situation until a couple years back. Sure, women are usually the main target for this type of harassment, but have has been many cases of men and younger boys being sexually harassed too. Sexual harassment does not only affect a person’s emotional development, but the external actions of the victim. Sexual harassment isRead MoreGender, Sexual, And Sexual Harassment And Assault Response And Prevention1997 Words   |  8 PagesOfficers (NCO) Army wide. These challenges include the potential increase in gender discrimination, sexual harassment and sexual assaults. NCOs will have to rely on their ability to implement the Core Leader Competencies (Leads, Develops and Achieves) to ensure the successful integration of women. The greatest challenge will be in developing cohesive teams while ensuring the Army’s Sexual Harassment/Assault Response and Prevention (SHARP) program is successfully implemented. This will require developingRead MoreSexual Harassment And Assault Response Preventative Program1104 Words   |  5 Pages Throughout life there are people and thi ngs that we compare ourselves to. When it comes to my professional career there is a person that I hold as my standard. Nichol Dwyer is a SHARP (Sexual Harassment/Assault Response Preventative Program) advocate on Fort Drum. Her passion and hard work in the Social Work field are an inspiration to me. Nichol knew that she wanted to be a Social Worker as a young child. While all of her friends had dreams to become teachers, doctors and celebrities Nichol alwaysRead MoreImpact of Gender on Reactions to Military Sexual Assault and Harassment700 Words   |  3 PagesMilitary Sexual Assault and Harassment Date of article: February 2014 Author(s): Margret E. Bell, Jessica A. Turchik, Julie A. Karpenko Source (Please attach copy of article): Bell, M., Turchik, J., Karpenko, J. (2014). Impact of Gender on Reactions to Military Sexual Assault and Harassment. Health Social Work, 39(1), 25-33. ARTICLE SUMMARY: Social Workers have a need to advance an understanding of working with veterans especially women affected by the concerns of sexual assault and harassment

Social Work Narrative Free Essays

string(95) " down in their luck because of unemployment, disabilities or all other poverty related issues\." Personal Narrative Statement 1)How do you account for your interest in social work? In your response, discuss paid or volunteer experiences that support your choice of social work as a profession? My interest in social work developed during college. I always had a interest in helping others in one way or another. I joined a sorority in college, Delta Sigma Theta, which is based off of community service. We will write a custom essay sample on Social Work Narrative or any similar topic only for you Order Now During the week I would volunteer to tutor children that were struggling in certain areas of school. I would talk to these children and explain to them the importance of education and try to influence them as much as possible to try their hardest in everything that they do. I would also go to nursing homes, with other member of our organization, and play bingo with their residents. We thought it was important to spend time with the elderly and/or sick as well. Just knowing how much it meant to those residents for us to come and spend time with them was a phenomenal feeling. After college I worked for the Indianapolis Juvenile Correctional Facility (Girl School) as a Youth Service Officer (YSO). I gained a lot of hands on experience at the Girl School and I was able to work in more depth with the youth. I worked with at least 35-40 troubled teenagers each day. I was their guidance counselor, teacher, disciplinary, and sometimes I felt like their parent. I enjoyed being able to talk with each individual and I learned how to communicate with each of them effectively. Through all these individual experiences I developed a strong desire to become a social worker so that I can help improve people’s lives by helping them cope and solve issues in their everyday lives. )Social work is committed to social justice. What is social justice? What experiences have shaped your interest in advancing social justice? In the future, how will you help advance social justice? Social justice is concerned with equality or equal justice, not just in the courts, but in all aspects of society. This concept demands that people have equal rights and opportunities and this includes everyone, from the poorest to the wealthiest. Social justice refers to a concept of a society that gives individuals and groups fair treatment and fair distribution of advantages, ssets, and benefits among all members of a society. On a positive note, one experience in particular that have shaped my interest in advancing social justice is the inauguration of the first African American President, President Barack Obama. This has had such a positive influence on the minority communities because it has allowed us to see how much things have changed. It has given individuals hope that may have never thought that there would be a Black President or a president outside of the ethnic background of Caucasian. In the future, I hope to be a part of a movement that advances social justice even more. I would like to be a part of something that helps our children in need, employs our workers in need, helps our disabled and heels are criminal justice system. I currently work for a job where I experience inequalities because of my job title or skin color. There are times where I feel that I am not valued as some of my other co-workers due to the difference of our job classification. There are situations that have occurred that I feel like I was misunderstood because of my skin color and some of the negative stereotypes that comes along with it. As a social worker, I would like to establish job confidence, meaning that I would like to implement a system within all jobs that allows all employees no matter of your race, class or gender that allows you maintain the confidence needed to perform your job duties without the ridicule or stereotypes from those of higher positions. 3)What is your perception or understanding of social work as a profession? Elaborate on how you understand social workers intervene with individuals, families, groups, organizations, communities, and political entities? Professional social workers are found in every facet of community life including schools, hospitals, mental health facilities, prisons, military and all other public and private agencies that serve individuals and families in need. Social workers assist individuals, groups or communities restore or enhance social functioning through creating living conditions favorable to their goal or need. Social workers are trained professionals that help people overcome some of life’s most difficult challenges such as poverty, discrimination, abuse, addiction, physical illness, educational issues, mental illness, disability, unemployment, etc. They accomplish this through counseling individuals, families and communities; teaching them how to cope with the stresses of everyday life. From a political standpoint, social workers spend time and money on campaigns that elect public officials that are committed to social work values. Sound public policies enable social workers to meet human needs, be fairly compensated and promote social justice. Overall I perceive social work as a â€Å"take action† profession. Often times, we as human beings complain and talk about what needs to be done but do not do anything beyond that. Social workers are hands on. They are not just talking about what â€Å"should† be done but they are doing something to better our communities. Social workers are about making a difference in society by helping others out that are in need for various reasons. If you are very sick and in need of assistance to perform normal, everyday functions, social workers can assist you in finding a home, affordable to you and your family so that you can have that need met. Social workers assist children that may have been a victim of abuse or witness of domestic violence by removing them from that destructive atmosphere into a much safer environment while providing counseling to aid in the healing process. They provide food, shelter and clothing for those that are down in their luck because of unemployment, disabilities or all other poverty related issues. You read "Social Work Narrative" in category "Narrative essays" There are a wide variety of activities that can be considered social work and professional social workers are employed in many different environments but they all possess one common goal and that is â€Å"helping people†. 4)The concept of cultural pluralism emphasizes respect for diversity of values, heritages, customs, and lifestyles. We are interested in your experiences with people from diverse populations. For each of the following diverse groups, describe how you have worked with each. If you have gaps in your exposure to diversity, what is your plan to broaden your effectiveness to work respectfully and effectively with each of these populations? a)Ethnicity (race, culture) – I have worked with many different ethnicities and cultures in several way. I have worked with different ethnic groups at work, school and everyday life. As a minority, I was raised to treat everyone how I would like to be treated so outside of their physical appearance I look at everyone as my equal. I have different ethnic backgrounds in family which does not seem to be uncommon at all in these days and times. I believe that different backgrounds and cultures is what make our world so beautiful and diverse. b)Spiritual tradition different from your own – Although I don’t understand all of the different spiritual traditions and backgrounds, I definitely have worked with different ones at one time or another. I have dated an individual with a different spiritual background than myself and I learned that although we may have worshiped in different ways; we worshiped for the same purpose. I know that this may not be true of all spiritual backgrounds but I feel that it is important to respect each person spiritual preference even if I don’t agree with their values. I currently work for a hospital and in our registration process we ask each patient if they have a certain spiritual preference that they would like us to note on their chart. We ask this question not to be judgmental but to provide that option if the patient wants to seek clergy while hospitalized. c)Age – I have worked with a variety of ages throughout the year. Currently I work with a wide variety of age groups. I work in a laboratory and there are both older and younger age groups. Our younger employees respect the older employees because we have learned a lot from their experiences. I, personally, have never been discriminated against because of my age, as far as I know, and it does not seem to be a major issue from my experiences. I have also worked over a lot of juveniles in a correctional facility setting. I found this job to be quite challenging at times because these individuals required a lot of attention and redirecting. However, the experience within itself was priceless. d)Disability – Working in a hospital setting has allowed me to encounter a lot of patients with several different disabilities. Watching these patients struggle with things that the average human being might take for granted is a mind-blowing experience within itself. Seeing and hearing these individuals talk about their disabilities has made me become more appreciative of the little things in life like walking, driving, talking, working, being able to dress and bath myself, etc. Although working with people with disabilities can be disheartening, it is also very rewarding because it makes you feel really good to be able to assist another person in need. e)Socio-Economic – I have worked with people with different socio-economic backgrounds or statuses because I have experienced different socio-economic statuses. Both of my parents came from family households containing at least 6 or more children and as a result neither one of my parents had much, economically, as a child. My parents got married and started a family at a young age so as a esult I was raised on a lower socio-economic status then some of my peers. Living in a time where new technologies are developed constantly and wealth and greed are at an all time high, I am constantly striving to achieve more. However, I know to achieve more wealth or higher socio-economic status one must lay a strong educational background foundation which is why I would like to further my education by achieving a M asters Degree. f)Sexual orientation – Sexual orientation is usually divided into 3 groups: Heterosexual, Homosexual, and Bisexual. We live in a time where all three groups are becoming more predominant, especially homosexual and bisexual groups. Regardless of my sexual preference I feel that it is important to respect individual’s decision and not to judge them by it. As a phlebotomist I have to draw all patients regardless of their sexual orientation. I do not treat homosexual’s any different than I treat heterosexual’s when taking precautions against exposures. Actually I was trained to treat all patients as if they had a communicable disease to lessen my risk of exposing myself to contaminants. I have also worked around individuals that outwardly discuss their sexual preferences and I don’t think that they should not discuss it if it is not considered the â€Å"norm†, however I feel that all sexual orientations should be able to express themselves as long as it’s considered appropriate conversation considering the environment. 5)When social workers are in a situation where they must choose between two relevant, but competing choices, and where each choice may have an undesirable consequence for the parties involved, this is called an ethical dilemma. Describe an ethical dilemma you have experienced. Discuss your decision-making process and factors which contributed to the ultimate outcome. Please protect confidentiality, and DO NOT reveal names of individuals or organizations. I worked for my previous job for more than 7 years as a phlebotomist and I gained a lot of training and insight through this experience. With the economy becoming so bad my employer was having to cut back so they had hiring and wage freezes. I was working without insurance because the hiring freeze would not allow me to change my status from PRN to full time so that I could receive benefits. Suddenly, the hospital that I was working for through my employer decided not to renew their contract with my company which had my department in fear of unemployment. The hospital decided to open up their own laboratory and hire their own staff. This had a great impact on my employer because it was a great financial loss for our company which meant more possible cut backs. I was forced to make a difficult decision because I had a lot of experience with the company I was employed for but I needed benefits and the hospital was offering full time status plus benefits. Due to the short notice my current employer was insuring us that if we left them to work for the hospital that we will not be allowed to return there for employment. Do I stay or do I go was the question I would ask myself over and over. What if things didn’t go well with this new laboratory? How long will the hiring and wage freeze last? After a few months of deliberating I finally chose to work for the hospital. I thought this would be a great opportunity for me and I would be able to receive the benefits that I desperately needed for myself and my child. As of now, I have not regretted this decision. Our laboratory is a success and I am currently receiving the health benefits that I was seeking. I make a lot more money than I did with my previous employer and I also receive bonuses, vacation time and holiday pay. This ethical dilemma turned out in my favor after all and I have no desire to return to my previous employer. 6)Social work is a profession that has considerable emotional demands on the practitioner. How do you handle stress and what coping skills do you anticipate using as a competent practitioner? I handle stress the best by remaining calm and focused so that I can think clearly and make good decisions. I like to reflect on what I think is causing the stress and figure out the best way possible to minimize that stressor. As a competent practitioner in the social work profession I plan to have stressful situations therefore I’m not surprised or caught off guard when they occur. I will remain calm and level-headed as much as possible so that I can provide what is necessary. Through my experience I have noticed that people react better to individuals that are calm, confident and in control. People feel a lot safer when they are in the hands of a profession that is in control of the situation and that knows how to remain strong but sensitive to whatever the circumstances may be. 7)Graduate school provides learning opportunities that require an investment of time and energy. Plan to spend an average of 36 hours per week on homework for a full-time load of four courses. In addition, three semesters of field practica require approximately 20-24 hours per week. Discuss why you are prepared to attend graduate school at this time in your life/career. Please describe plans that you are making to adjust your personal and professional life in order to successfully participate in: a)The coursework, class preparation and assignments. Academic pursuits require approximately 9 hours a week per class. b)Two separate field practica of approximately 20-24 hours per week for 3 semesters. These practica must be completed at practicum agencies during daytime hours; rarely do practicum sites offer night/evening/weekend hours. It has been 6 years since I graduated from college after completing my bachelors and I have now decided that I am ready to go back to college to receive a masters degree. Since relocating back to my hometown I have had trouble finding a job in my major, Criminal Justice, and would like to expand my knowledge by returning for a Masters Degree in Social Work (MSW). As a single mother of two children I plan on making a lot of adjustments in order to make this work out for me. I am currently working full-time, 40 hours or more a week, on dayshift so I don’t have to adjust my hours for this program but more or less the amount of hours so that I can focus and have time to complete my assignments. )My children are enrolled in school and daycare so I plan to do a lot of the homework during their school/daycare hours to prevent distractions. I also anticipate a lot of late hours of studying beginning after I lay my children down to sleep at night. My biggest goal is to prevent and form of procrastination from hibernating within myself. I want to stay on top things so that I am not cramming and falling behind in my classes. Organization is also an import ant goal during this endeavor. Remaining organized will prevent me from missing assignments, due dates and all other important factors that may apply. b)The most difficult challenge I am facing during this program will be the field practica of approximately 20-24 hours per week for 3 semesters. I am concerned that financial constraints may develop during this period of unpaid work. Therefore to prepare for this challenge I am currently saving as much money as possible while working full-time now. I want to be able to be focused on my practica and not financially stressed while trying to concentrate on my studies. I also plan on applying for financial aid so that I can receive assistance to help pay for my living expenses or room and board. I was in a similar situation when I did my internship for my bachelors program except for that required 40 hours a week of unpaid time. I successfully completed that task through the methods mentioned previously so I’m confident that everything will work out with this program. When I was a child my parents would always use this quote: â€Å"Where there is a will there is a way† and since I am very much willing I know that my faith will guide me the entire way. How to cite Social Work Narrative, Essays

Paris Love Bone Gumankova Review Essay Example

Paris Love Bone Gumankova Review Paper Essay on Paris Love Bone Gumankova NATA here we have a great expert on Japanese poetry. We will ask. A poem lovely. Seagulls at all interesting creation. Not so long ago fell into gravity good story of the young author, there is a passage about the seagulls. Do you mind if I bring him (though it is offtopic)? in this case, no choice, how to look at the sky. On the gulls, who desperately shrieking, worn above the water surface. Sometimes encountered in the air. However, not blindly. Here are some bird especially lucky today, and rough sea gave her a fish. a small, but so delicious with hunger. Raise it more in the air. to lift and throw, to be swallowed whole. and then the rush for new gift. Suddenly happen a miracle, and it will fall to something else. Let the fish only a corpse. its a pity obgloda Goes comrades, body with white and pink, full of worms, swollen belly. lazily floating on the surface of the gray as the sky, the fluid. But how out of place next to the other gull. In flight, with a sly half-closed eyes, hurrying almost at breakneck speed to the tossed fish. Recklessly . Simple swing tossed his head flying up silver comma metnuvshy her long body with black eyes With a black beak, disclosed in a fit of greed and hunger Jerk and side impact. The hostess came for its own produ ction. But too late: in the heat of the hassle they have forgotten about the Earths gravity. Rather, the sea. Describing suicide in the air arc, silver drop of a moment lost in the water waving veil. For just a few minutes to again fall prey to the less fortunate gulls. Or more? She will remain with the dead, but the food. A lucky tovarka? At this moment, the fight continues. The fight is not over an existing food. For blown decrepit fellow a piece of dead meat. The fight for life. Torn inquisitive eyes and senseless. lump of feathers with red spots, flying down. Tear wing of the pen. And then the smell of blood. Heady, such eye-catching. Other gulls interested. Spun like jackals around feast imposing predators. When the lion rips appetizing meat, jackals cry from the desire of blood. From acute stomach cramps. With passion. And seagulls, forgetting that they are after all friends on the fly grab sharp beaks falling down clumps of feathers. To feel only for a moment a strange tast e, a moment before running through the veins of blood. To approach close to the frightening but alluring scene of someone elses death. When the beak of a rival penetrate the inner sanctum the chest the other. During the flight, while the body is still in the air and flaps its wings. This happens: the bodies too can fly. Because they still do not know what they are the corpses. They flap their wings, and their hearts at this time is devoured by someone else. And then look down. Oh God! Awareness of death. And I thought that the enemy has departed. And lose strength. Muscles that raise the wings, no longer willing to pick them up. The muscles that extend the ribs are no longer willing to force air into the lungs. The muscles that extend and narrowing the pupil now only eyes, relax, and the pupil expands forever, adding to an already crazy bird eyes glazed. Moment and all. The body falls down. And by the way, who had, gulls snatch pieces of meat together with feathers and down. Tog ether with respiratory residues. Together with recent seizures ispolosovannaya beak heart. We will write a custom essay sample on Paris Love Bone Gumankova Review specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Paris Love Bone Gumankova Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Paris Love Bone Gumankova Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Oh, what a spoiler. Once again I apologize if that. Paris Love Bone Gumankova Review Essay Example Paris Love Bone Gumankova Review Paper Essay on Paris Love Bone Gumankova NATA here we have a great expert on Japanese poetry. We will ask. A poem lovely. Seagulls at all interesting creation. Not so long ago fell into gravity good story of the young author, there is a passage about the seagulls. Do you mind if I bring him (though it is offtopic)? in this case, no choice, how to look at the sky. On the gulls, who desperately shrieking, worn above the water surface. Sometimes right in the face the air. but not blindly. Here are some bird especially lucky today, and rough sea gave her a fish. a small, but so delicious with hunger. Raise it more in the air. to lift and throw, to be swallowed whole. and then the rush for new gift . Suddenly, a miracle happens, and it will fall to something else. Let the fish only a corpse. its a pity obglo annoe comrades, body with white and pink, full of worms, swollen belly. lazily floating on the surface of the gray as the sky, the fluid. But how out of place next to the other gull. In flight, with a sly half-closed eyes, hurrying almost at breakneck speed to the tossed fish. Recklessly . Simple swing tossed his head flying up silver comma metnuvshy her long body with black eyes With a black beak, disclosed in a fit of greed and hunger Jerk and side impact. The hostess came for its own prod uction. But too late: in the heat of the hassle they have forgotten about the Earths gravity. Rather, the sea. Describing suicide in the air arc, silver drop of a moment lost in the water waving veil. For just a few minutes to again fall prey to the less fortunate gulls. Or more? She will remain with the dead, but the food. A lucky tovarka? At this moment, the fight continues. The fight is not over an existing food. For blown decrepit fellow a piece of dead meat. The fight for life. Torn inquisitive eyes and senseless. lump of feathers with red spots, flying down. Tear wing of the pen. And then the smell of blood. Heady, such eye-catching. Other gulls interested. Spun like jackals around feast imposing predators. When the lion rips appetizing meat, jackals cry from the desire of blood. From acute stomach cramps. With passion. And seagulls, forgetting that they are after all friends on the fly grab sharp beaks falling down clumps of feathers. To feel only for a moment a strange tas te, a moment before running through the veins of blood. To approach close to the frightening but alluring scene of someone elses death. When the beak of a rival penetrate the inner sanctum the chest the other. During the flight, while the body is still in the air and flaps its wings. This happens: the bodies too can fly. Because they still do not know what they are the corpses. They flap their wings, and their hearts at this time is devoured by someone else. And then look down. Oh God! Awareness of death. And I thought that the enemy has departed. And lose strength. Muscles that raise the wings, no longer willing to pick them up. The muscles that extend the ribs are no longer willing to force air into the lungs. The muscles that extend and narrowing the pupil now only eyes, relax, and the pupil expands forever, adding to an already crazy bird eyes glazed. Moment and all. The body falls down. And by the way, who had, gulls snatch pieces of meat together with feathers and down. To gether with respiratory residues. Together with recent seizures ispolosovannaya beak heart. (C) We will write a custom essay sample on Paris Love Bone Gumankova Review specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Paris Love Bone Gumankova Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Paris Love Bone Gumankova Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Oh, what a spoiler. Once again I apologize if that.

The Greatest Scientific Fraud Essays - Water Fluoridation

The Greatest Scientific Fraud Essays - Water Fluoridation The Greatest Scientific Fraud Miriah Killam Writing 122 David Rothgery October 12, 2000 The Greatest Case of Scientific Fraud I have been told I have a beautiful smile, and I once thought it was true. It is big and quick, the kind that flashes across a whole face to reveal pearly whites. The sad truth is, I have become slower to show my Colgate smile as I have watched the most important part of a smile, my teeth, become less and less dazzling. For years I couldn't understand; I brushed twice a day, flossed once a week, stayed away from staining beverages, and I didn't smoke. My dentist attributed my brittle teeth to the fact that I have some Native American heritage, and they are known to have less resistance to sugar. As I was offered no other plausible, I accepted it and continued my good dental habits. Then, last year I was browsing through the archives of alternative press releases, and one headline in particular caught my attention. The article was titled, EPA Whistleblowers on Fluoride. It stuck in my mind because as a child, the same dentist who told me my teeth were naturally more prone to decay pre scribed a once a week brushing routine with straight fluoride in combination with my use of nightly fluoride toothpaste. He said that I needed to take extra precautions because I moved into an area where the water was not fluoridated. My Grandmother told me the dentist was ridiculous; she claimed I received the proper amount of fluoride from the foods I ate and the amount that occurred naturally in water. I dismissed my Grandmother as behind the times', and diligently applied the nasty paste. Yet, as I read though the article, I was confronted with information that contradicted everything I and every other child had been told from birth. The article claimed, Fluoridation is the greatest case of scientific fraud of this century, if not of all time, (Earth Island Journal, Winter 1998). I became determined to be more informed and started researching all aspects of fluoride. My findings were shocking. For more than sixty years the United States Government has been telling the American public that fluoride compounds (generally referred to as fluoride) are safe and beneficial chemicals that reduce cavities- especially in children. Municipalities add it to drinking water, manufactures add it to beverages and food, and our dentists recommend that we use only fluoride-fortified toothpaste. What has all this led to, you might ask. What it has led to is the over-consumption of what is now recognized as a highly toxic, corrosive pollutant. Now, in fact, those on dialysis and nursing mothers are not recommended to consume any water containing additional fluoride because of its toxicity. Declassified papers of the Manhattan Project-the ultra-secret US military program that produced the atomic bomb state that Fluoride was the key chemical in atomic bomb production. One of the most toxic chemicals known, fluoride emerged as the leading health hazard of the US atomic bomb program, both for workers and for nearby communities. Much of the original proof that fluoride was safe for humans in low doses was generated by A-bomb program scientists who had been secretly ordered to provide evidence useful in litigation, because you see, the first lawsuits against the American A-bomb program were not over radiation, but over fluoride damage. Paul Connett is a professor of chemistry at St. Lawrence University in New York State and an international authority on environmental toxins. I realize that, because the pro-fluoride lobby has successfully portrayed the anti-fluoridationists as a bunch of crackpots, people have been kept away from this issue. And in fact, once I looked into the literature I was, quite frankly, appalled by the poor science underpinning fluoridation. I have grave concerns about the wisdom of putting this toxic substance into our drinking water. In the US, at the same time that the first fluoridation scheme was being introduced, scientists were admitting (in documents hitherto secret, but now disclosed under the Freedom of Information Act) that they had no idea what the effects of low-level exposure would be. The first such scheme was introduced in Grand Rapids, Michigan in 1945 as a long-term pilot study. Over a 15-year

7 Disadvantages of Joining a Fraternity or Sorority

7 Disadvantages of Joining a Fraternity or Sorority The benefits of joining  a fraternity or sorority are many, and its important to realize that Greek life in college has a lot of impressive things to offer. Its also important, however, to realize that there might be some challenges. So just what do you need to be aware of before officially pledging? You Might Be Stereotyped by Peers Even if you had a great impression of fraternities and sororities before you came to college - and an even better one once you learned about all the great initiatives your schools Greek organizations do - not all students share the same perception. Ignorant or well-informed, your fellow students might stereotype you once they know you belong to a certain Greek house. And while there might not be much you can do about that, its important to at least keep in mind. You Might Be Stereotyped by Faculty You might be having an amazing, life-changing experience as a member of your fraternity or sorority. But your professors - who were, after all, college students themselves once - might not have had as great of an experience during their own undergraduate years. Or they could have had problems in the past with students from your particular organization. While you are your own person and should be judged accordingly, just be aware of the perceptions some faculty members might have about how you spend your time outside of class. You Might Be Stereotyped by Future Employers While your Greek organization might be dedicated to, say, the study of biology or to social justice, an employer might not realize that while quickly skimming resumes. And while belonging to a fraternity or sorority with a large network can be an incredible asset, there might also be some challenges along the way. Being Active Can Be a Major Time Commitment Does this necessarily have to be a drawback to membership in your house? Of course not. But it is something to be aware of in advance, especially if you struggle with time management or you know that your time is going to be extremely limited during your college years. Joining Can Be Expensive While there often are scholarships available to students who need them to remain members of their Greek community, theres no guarantee those scholarships are going to come through. If finances are tight, make sure you are aware of what financial obligations youll have to your house. Ask about joining fees, dues, and other expenses - such as helping fund an annual event - that youll be responsible for. There Can Be Strong Personality Conflicts This, of course, is inevitable whenever youre involved with a group of people. And youll undoubtedly encounter personality conflicts in everything from your Chemistry study group to your rugby teammates. Keep in mind, however, that personality conflicts in a fraternity or sorority can get especially tense, given that people spend so much time together and often live in a shared space for several years in a row. You May Sometimes Feel Stuck in Routine and Commitments This years Halloween party might seem like the most amazing thing ever. But after working on it for months in advance, three years in a row, the Halloween party during your senior year might lose some of its ​luster. There can be ways to branch out and try new things within your fraternity or sorority, and a good one will encourage you to do so. Just be aware of what it will mean to pledge the rest of your college experience to one particular group.