The Pay Day Loan Industry - 2041 Words

The pay day loan industry is one of the fastest growing businesses concepts that our country has ever seen. Supposedly it is set-up for emergency access to money when you needed the money like yesterday. This industry sprung up on the skirts of epidemic bankruptcies in the USA. Working class people had become accustomed to spending more than they had on the promise to pay the money back at a later date. Predictably such types of spending habits catch up with you and eventually people become so over extended with credit card payments, cars that they could not afford but wanted -- and got anyway plus any of a number of other buy now pay later types of purchases that record bankruptcies were the result of many families coming to reality with†¦show more content†¦While still other short term loan companies will only approve you for a loan if your employer verifies you are still employed, pay check in hand or not. Competition has gotten so fierce that merely presenting a bank s tatement showing proof that you have an open account is all Pay Day Loan companies are looking at. It doesn t matter if your balance is at a negative $500 or that you have had a hundred overdrafts within the last year you in most cases will still qualify for some type of loan. Credit checks normally are not done when you apply for a Pay Day Loan so your credit history isn t held against you. Some companies are members of a inner circle type of credit checking system that checks for bounced checks and how many other pay day loans a client has out. Too many of these types of issue can limit the amount of money you can borrow or disqualify you all together. That s really all the information most companies ask for and then are willing to loan a person as much as $1,500 on their promise to pay them back. With all of these financial negatives in the pay day loan industry one might wonder how companies could ever make a profit, the answer is in their finances fees. Because pay day loan companies understand that they are mostly dealing with people with bad credit problems to begin their rates are based on what sector of the financial world they are dealing with. Because they don tShow MoreRelated Cash Advance Loan Companies1103 Words   |  5 PagesHaving hundreds of online loan companies giving short term capital advances, finding a capital advance mortgage company is straightforward and straightforward after you are usually tight having online and computers. Ever since economic become softer down, your pay day loan trade may be raising at a immediate pace substantially in the united states. With plenty of and a great deal of Americans looking at short-run funds in order to tide about capital emergencies, your financial area provides identifiedRead MoreEssay On Cash Advance783 Words   |  4 PagesAdvance? Within the industry, a cash advance is essentially the same as a payday loan. The loan amounts are similar, typically less than $500 although some lenders offer larger loans. The loans are usually repaid in a lump sum; repayment may be scheduled 14 to 30 days after the loan is finalized. Cash advances are sometimes called paycheck advances, personal cash advances or payday cash advances. Whether the lender chooses to call the product a cash advance or a payday loan depends on the lendersRead MoreIndiana Building Supplies1123 Words   |  5 Pagesshows that both Clemens and Willis are right. All of the profitability ratios for IBS are higher than the industry average. Thus, IBS seems to have done well. And indeed, it was done well for its shareholders in 2005. Note, however, that the current and quick ratios have generally been trending downward and are significantly lower than the industry averages as well as the stipulations in the loan covenants. Thus, liquidity is poor. Moreover, inventory is turning over very slowly and the average collectionRead MoreChoosing The Right Financial Service Essay1566 Words   |  7 PagesCar Title Loans: Choosing the Right Financial Service By Anthony N Petitte | Submitted On November 19, 2013 Recommend Article Article Comments Print Article Share this article on Facebook Share this article on Twitter Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon Share this article on Delicious Share this article on Digg Share this article on Reddit Share this article on Pinterest How is this a good investment for both the borrower and theRead MoreCasa de Diseno Essay665 Words   |  3 Pageswith industry practices. The student then analyzes the impact of changing the firm’s credit terms to evaluate its management of accounts receivable before making a recommendation. a. Operating cycle (OC) ï€ ½Ã¯â‚¬  average age of inventory ï€ « average collection period ï€ ½ 110 days ï€ « 75 days ï€ ½ 185 days Cash conversion cycle (CCC) ï€ ½Ã¯â‚¬  OCï€  Ã¯â‚¬ ­Ã¯â‚¬  average payment period ï€ ½Ã¯â‚¬  185 daysï€  Ã¯â‚¬ ­Ã¯â‚¬  30 days ï€ ½Ã¯â‚¬  155 days Resources needed ï€ ½Ã¯â‚¬   ï€ ½Ã¯â‚¬   ï€ ½Ã¯â‚¬  $11,253,425 B. Industry OC ï€ ½Ã¯â‚¬  83 days ï€ « 75 days ï€ ½Ã¯â‚¬  158 days IndustryRead MorePredatory Lending Is Any Lending Practice That Imposes Unfair Or Abusive Loan Terms On A Borrower Essay1337 Words   |  6 Pagespractice that imposes unfair or abusive loan terms on a borrower† (Fay, n.d.). Predatory lenders can take the form of mortgage loans, payday loans, car loans, and any type of consumer debt. One example of predatory lending would be places that offer services such as payday loans. Pay day loans are short-term cash loans that the borrower has to pay back with their next paycheck. On average people borrow $350 for a two-week term. The borrower would have to pay a loan fee as well as an annual percentageRead MoreEssay On Cash Loans702 Words   |  3 Pagesreading this article, you should know enough about cash loans to make the right decision about them, and also be able to explain them to others Advances with payday loans help you get through to your next payday. These loans always come with strict fees attached. When you fall behind in your bills, you could ask for extensions and work closely with your utility service providers to pay your arrangers. Or you can go for a payday loan. A payday loans is designed for instant relief in emergency situationsRead MoreLawsons1672 Words   |  7 Pagesre-paying. This debt is ultimately affecting the company’s success, and may become a serious issue in the future if net earnings do not rise to an appropriate level. The increased profits will allow Mr. Mackay to focus on the repayments to ensure that loans are taken care of before the interest rates rise, or they become further in debt than they already are. This causes constraints on the company’s ability to invest in other attributes, and make appropriate purchases for the company, due to the decreaseRead MoreCase Study : Aspire Inc.1355 Words   |  6 Pagespeople gi ving them jobs trainings and placement, counseling additionally their families was given residential services. O’Brein, the vice president of business administration planned to acquire a new building to accommodate a portion of Aspire’s growing day programs. With that, it wanted collocate their administrative offices. But the company was facing some financial issues. As a nonprofit organization, Aspire could seek financing from a commercial bank, a tax-exempt bond issuer, or a community developmentRead MoreBodie Industrial Supply Essay1022 Words   |  5 Pagesonline, it’s doubtful to expect for Bodie Industries to continue to grow at this rate. Operational Analysis: Bodie’s has exclusive rights from manufacturers to offer their products to the customers. The company became highly asset intensive in 2006 at 1.9 compared to 2.6 in 2005; this can be attributed with the purchase of land, building and equipment instead of renting. The company has been managing their inventory fairly well. Inv Days had a 10 day increase from 2005 to 2006 but net income

Data Mining is a Technique Used to Clarify and Classify Data

Data Mining is a technique used in various domains to give meaning to the available data and different types of Data to be handled like numerical data, non-numeric data, image data...etc. In classification tree modelling the data is classified to make predictions about new data. Using old data to predict new data has the danger of being too fitted on the old data. In this we evaluated different types of data to be collected from UCI repository for classify the data using the different classification algorithms J48, Naive Bayes, Decision Tree, IBK. This paper evaluates the classification accuracy before applying the feature selection algorithms and comparing the classification accuracy after applying the feature selection with learning algorithms. 1. Introduction As computer and database technologies develop rapidly, data accumulates in a speed unmatchable by human capacity of data processing[2]. Data mining as a multidisciplinary joint effort from databases, machine learning and statistics, is championing in turning mountains of data into nuggets. Researchers and practitioners realize that in order to use data mining tools effectively, data processing is essential to successful data mining.PrimitiveThese are features which have an influence on the output and their role cannot be assumed by the rest.[1] Feature selection can be found in many areas of data mining such as classification, clustering, association rules and regression. For example, feature selection isShow MoreRelatedNotes On Association Rule Mining1155 Words   |  5 PagesAssociation Rule Mining: Association Rule Mining is a part of data mining, which are most important techniques. Data Mining is used to extract the required information from a certain total data. Association Rules are mainly used in several areas such as telecommunication networks, risk management, etc. The efficiency of using the Association Rules Mining is to 1. Process the number of passes for the database. 2. Sampling the database process. 3. For the pattern structure, adding extra constraintsRead MoreThe Life Cycle Assessment Process1450 Words   |  6 Pagespossible data gaps and the considered impact categories [1]. Life Cycle Inventory (LCI) Inventory analysis is the data collection portion of a LCA and includes a quantified list of all inputs and outputs involving the entire life cycle of the concerned system. LCI involves estimating the energy and materials consumed by the system, the energy efficiency of the system’s components, and the emissions to air, land, and water by variant processes and components of the system. The process of data collectionRead MoreKnowledge Discovery And Data Mining9834 Words   |  40 PagesKnowledge Discovery and Data Mining are rapidly evolving areas of research that are at intersection of multiple application areas and approaches. Today no field either it belongs to computer or not, knowledge discovery is required. The loss prediction, cost estimation, identification of market moves are the common application areas where knowledge discovery is essential. Knowledge discovery is not an individual process, instead it is the combination of various session data operations that are ap pliedRead MoreCrisp-Dm19407 Words   |  78 PagesCRISP-DM 1.0 Step-by-step data mining guide Pete Chapman (NCR), Julian Clinton (SPSS), Randy Kerber (NCR), Thomas Khabaza (SPSS), Thomas Reinartz (DaimlerChrysler), Colin Shearer (SPSS) and Rà ¼diger Wirth (DaimlerChrysler) SPSS is a registered trademark and the other SPSS products named are trademarks of SPSS Inc. All other names are trademarks of their respective owners.  © 2000 SPSS Inc. CRISPMWP-1104 This document describes the CRISP-DM process model and contains information about the CRISP-DMRead MoreCustomer Relationship Management16994 Words   |  68 Pagesis now seen as the way forward for any business wishing to thrive in the e-future . CRM concentrates on the retention of customers by collecting all data from every interaction, every customer makes with a company from all access points whether they are phone, mail, web or field. The company can then use this data for specific business purposes, Marketing, Service, Support or Sales whilst concentrating on a customer centric approach rather thanRead MoreDecision Making Stages in Mis3645 Words   |  15 Pagesthat it was the right decision. It is said that critical norms in a group improves the quality of decisions, while the majority of opinions (called consensus norms) do not. This is due to collaboration between one another, and when group members get used to, and familiar with, each other, they will tend to argue and create more of a dispute to agree upon one decision. This does not mean that all group members fully agree — they may not want argue further just to be liked by other group members or toRead MoreSocial Media And Its Effect On Small Businesses And Home Businesses2434 Words   |  10 Pageswell as, the digital marketing methods utilised by the owners of the small retailing businesses and home business in the state of Kuwait. Also, to identify and classify the key issues for such e-commerce companies, and the Regulations from Ministry of Trade and Industry for this kind of online-stores. †¢ Common Social Media platforms used in the State of Kuwait In the last 15 years, social media platforms are perceiving as becoming various actual perspectives around the Arab world, and in particularRead More3.Area Of Research.. . Social Media Platforms Were Few2980 Words   |  12 Pagesas well as, the digital marketing methods utilised by the owners of the small retail businesses and home business in the state of Kuwait. Also, to identify and classify the key issues for such e-commerce companies, and the Regulations from Ministry of Trade and Industry for this kind of online-stores. †¢ Common Social Media platforms used in the State of Kuwait In the last 15 years, social media platforms are perceiving as becoming various actual perspectives around the Arab world, and in particularRead MoreFinancial Statements Fraud56771 Words   |  228 Pagesessays on fraud predictors, multi-classifier combination and fraud detection using data mining Johan L. Perols University of South Florida Follow this and additional works at: http://scholarcommons.usf.edu/etd Part of the American Studies Commons Scholar Commons Citation Perols, Johan L., Detecting financial statement fraud: Three essays on fraud predictors, multi-classifier combination and fraud detection using data mining (2008). Graduate School Theses and Dissertations. http://scholarcommons.usfRead MoreReview Quesition20349 Words   |  82 PagesAn organization maintaining all sales order information. 1.2 Discuss the meaning of each of the following terms: (a) data For end users, this constitutes all the different values connected with the various objects/entities that are of concern to them. (b) database A shared collection of logically related data (and a description of this data), designed to meet the information needs of an organization. (c) database management system A software system that: enables

In What Ways Has Each of your Identities Contributed to...

In what ways has each of your identities contributed to how you view yourself? Each of my identities contributed to how I view myself today. My culture and personal experiences have had a lasting impact. I view myself as a sensitive, devoted, compassionate, thoughtful, professional, caring, patient, shy, and independent woman. My current socioeconomic status is middle class however as a young child my socioeconomic status was low income. My mother was a single parent with four children. My mother Maria was unable to further her education since she had to work to help support her family. As she became an adult and had her own family she decided to migrate to the United Stated when I was 7 years old. She wanted a different life style†¦show more content†¦Also enjoy working in a partnership with my families. I provide children a diverse and developmentally appropriate environment that allows them to meet their individual needs. In my program I help families achieve their goals. For instance, if a parent tells me that they want to take English classe s but don’t know how to enroll. I find resources for them in the community and help them to accomplish their goals by providing the information. In the past I had a parent who wanted to further her education but did not know what to do. I provided her with information regarding enrollment, fafsa, and made her an appointment for an assessment. I informed her that the library has computers she can use in order to complete her application. Which identities have influenced your life and decisions most? Why? The identity that has influenced my decisions and life the most has been my socioeconomic status. Being from a low income family has allowed me to have personal experiences and learn from them. It has allowed me to become a responsible, caring, independent, and a thoughtful woman. I want to make a difference in the lives of others. I am pleased to be able to help others reach their goals. I did not decide to become an early childhood educator because of the pay but because I know I can make a difference in the lives of young children. â€Å"Young children experience the world in theShow MoreRelatedOn How to Handle Conversations1067 Words   |  4 Pages The book Difficult Conversations gives great insight on the whole subject of what a difficult conversation is, and the many areas that are involved in them. As well as, giving many steps to help go through the process of a difficult conversation and how to problem solve much more effectively. What some people run into and w hy they avoid difficult conversations all together, is the dilemma of actually having this type of conversation. But at the same time, they feel that if they confront the problemRead MoreEssay on difficult conversations1351 Words   |  6 Pageswhat matters most. The book provides information on how to have hard conversations, improve listening and problem solving skills. It is applicable in our personal and business life. Essential Information:†¨ Difficult Conversations How to Discuss What Matters Most Stone, D., Patton, B., Heen, S. (1999) New York, New York: Penguin. ISBN0-670-88339-5 Outline of the Thesis: General Subject Matter: Business communication Theme: Communication during uncomfortable conversations. Thesis:Read MoreSociological Concepts Essay728 Words   |  3 PagesAssignment Information and Rubric Below are guidelines to follow as you work on your socioautobiography assignment: * Papers should be in APA format, with a title page. * Papers should contain 3-4 pages of text, double-spaced (this does not include the title page). * Refer to at least six sociological concepts covered in the lectures or textbook reading. Highlight these concepts in boldface. * Connect your concepts to the TCOs. Indicate the TCOs covered in parentheses, as demonstratedRead MoreWho Am I? And. What It Is My Purpose?1654 Words   |  7 PagesRarely, do people actually discover what that reason is. Along the way, people become lost in the world of society and forget to find themselves and achieve what they were originally called to do. Society is directing people by telling them how they should live and what they should do with their life; when in reality, people should be making the their own ultimate decisions. Humans need to realize that they do have an individual identity and purpose apart from what society believes. In my opinion, toRead MoreEssay about A Beautiful Mind993 Words   |  4 PagesThis is a famous quote that has been passed on from one generation to another generation, and has been securely kept deep within my views and perceptions in my life. Actually, that is one of my favorite quotations since my childhood years. However, after watch ing this movie, my perception was opened to a lot of realizations and realizations in life that I never thought of before. One of these realizations is the fact that seeing something is not a guarantee for you to believe that it really existsRead MoreEssay about From Spanish to English: Becoming Literate in America979 Words   |  4 Pages For as long as I can remember learning how to read and write was a real challenge for me. When I first arrived in the United States I was enrolled at the nearby elementary school. Being from another country I was scared and embarrassed because I was different then the other children in my class. Talking and communicating with others was something that wasnt in the interest of what I wanted to do. I sat far away from others depriving myself of what they were doing or learning. Coming from MexicoRead MoreMy Sociological Imagination Started Influencing Me A Lot1266 Words   |  6 PagesThe term â€Å"Sociological Imagination† can be defined in various contexts and in different ways depending on the situation and surroundings. According to most researchers, t he definition of the term varies from case to case. Due to different scenarios and observations, most researchers have failed to apply a single definition of the term. However, after studying a number of cases, there is a general definition that we can associate to this term, i.e. the interaction of one’s mind and its experiencesRead MoreEssay on Exploring Ethnic Minority Psychology in America1968 Words   |  8 Pagesexisted for several years. Many people face issues everyday with their identity, which is the sense of self being independent of one’s ethnic background; empowering it and then transforming it; whether transforming is for the good or for the bad. People in our society, mainly our youth, have to deal with the pressures of being talked about when it comes down to what race they are, how many freckles they have or their face, how short or tall they are, their size as well as various other things. InterpersonalRead MoreAre You Naked Online? Essay2492 Wor ds   |  10 PagesPayton bring some light on what we have already done and what we can do moving forward in protecting our identities. Everything about us today is involving computer networking. Our society simply relies on computer and the internet more and more each year. It is necessary that we protect ourselves from online predators and from online attacks. With so much information online about each of us, we must take the necessary steps in order to protect our identity. Each and everyone one of us was bornRead MoreAmerican Public Education Essays1553 Words   |  7 Pageseducation enables us to enlarge our knowledge and open doors for opportunities to the path of having a good future. In the five readings, each written by a different author, there was a lesson learned and something to take away from each one. Reading through the passages by Mann, Moore, Malcolm X, Gatto, Rose, and Anyon, each author contributed his or her point of view on general public education. This topic can be very argumentative depending on the quality of education people receive. Education today

Informative Speech Outline - 2182 Words

COLLEGE OF FOUNDATION AND GENERAL STUDIES Program: Foundation Subject: English for Academic Purposes Code: ENGF 103 Credit Hours: 3 ---------------------------------------------------------------------------------------------------------------- Synopsis: This course is designed to develop students’ public speaking skills. Students will be exposed to principles and practices of effective public speaking which are done through lectures, discussions, and class exercises. Most importantly, they will learn how to prepare and present effective speeches both individually, in pairs as well as in group. Aims: By the end of the course, students should be able to: †¢ understand principles and practices of public speaking.†¦show more content†¦| |= | |10% | | | |Final Examination |Show MoreRelatedInformative Speech Outline802 Words   |  4 PagesInformative Speech Outline I. Introduction A. Thanks 1. Thanks professor Tuckerman for the introduction. B. Salutation 1. 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INTODUCTION: Attention Getter : I can’t remember any things well while I thought something happened to me, I feel like I ever seen something but I don’t know when it was or where it was. And I also feel like I’ve been somewhere but I don’tRead MoreInformative Speech : Speech Outline1006 Words   |  5 PagesInformative Speech Final Draft Outline I. Introduction A. Attention getter: How many you have ever had a car accident or someone you care about had a car accident? B. Background and Audience Relevance: According to National Highway Traffic Safety Administration, in 2015, about thirty-five hundred people were killed, and four hundred thousand were injured in car crashes. Oral Citation 1: NHTSA, govt website, 2015. C. Speaker credibility: Many of my close family members have been in car accidentsRead MoreOutline Informative Speech1502 Words   |  7 PagesNAME : Syifa Fadhilah Hamid CLASS : 12 DBM SUBJECT : Outline Informative Speech SPECIFIC PURPOSE : to inform my audience about Deja Vu CENTRAL IDEA : to inform my audience about the theory of Deja Vu. Including what, how and the effect about Deja Vu . INTODUCTION: Attention Getter : I can’t remember any things well while I thought something happened to me, I feel like I ever seen something but I don’t know when it was or where it was. And I also feel like I’ve been somewhere but I don’t know whenRead MoreInformative Speech : Speech Outline1066 Words   |  5 PagesInformative Speech Outline I. Introduction a. Attention Material a. Raise your hand if you have or are currently working retail. b. According to Quentin Fottrell, from Market Watch, â€Å"Nearly 4 out of 5 U.S. students†¦ work while in school.† b. Tie to Audience a. Many of you have most likely experienced working retail or know someone who has. c. Credibility a. I recently worked 9 months in Bath and Body Works, so I am well aware of all of the horrors of working in retail. d. Thesis a. Working inRead MoreInformative Speech Outline1175 Words   |  5 PagesInformative Speech Outline Speech 131 Author’s Note: This research is being submitted for Title: Taxes Made Easy! Specific Purpose: To inform my audience about how to use the 1040EZ tax form. Central Idea: Today, I hope to make tax season easier for you by demonstrating to you how easy it is to fill out and file the 1040EZ income tax form, if you qualify. 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Attention-getter: Even though there are cars, which are faster than Veyron, this car has rose to fame because of it mechanics and design, which made it a street legal car. II. Establishment of ethos: I am credible to talk about this car as I have done research related to this

Supervisory techniques Free Essays

The word counseling can be defined as the process of helping persons who are fundamentally psychologically healthy or otherwise resolve developmental and situational issues. Supervisory techniques are essential and incorporate some advances that may not be themselves referred as counseling such as creative problem solving but have similar aim. A successful counselor has a mature and well balanced state of mind and temperament and places him/her self in the shoes of the counselee, and has the ability to respect their (counselee) opinions, thoughts, feelings and emotions. We will write a custom essay sample on Supervisory techniques or any similar topic only for you Order Now After evaluating the story as described, a realistic, practical solution can be developed individually at first if this is beneficial, and then jointly to encourage the participants to give their best efforts at orienting their relationship with each other. It must be noted that the change in situations like financial status, physical health, and the influence of family members and friends can have an adverse negative influence on the conduct, responses and actions of the those counselee. The scope of counseling covers a wide and diversified field of study as it includes what one would imagine far and beyond these identified topics;- Abortion counseling, Brief therapy, Career Counseling, Christian counseling, Counseling psychology, Credit counseling, Cross-cultural counseling, Disaster counseling, Disciplinary counseling, Ecological counseling, Family marriage counseling, Genetic counseling, Grief trauma counseling, Marriage counseling, Pastoral counseling, Relationship counseling , Rehabilitation counseling, Sexual trauma counseling, Suicide intervention etc. 1. 0) Pregnancy Options and Abortion counseling This provides information and support for a pregnant woman who is considering between the choices regarding the continuation of the pregnancy. The choices include continuing the pregnancy for parenting or adoption and pregnancy termination. In reality, qualified advisors take the information with certainty and encouragingly that helps each woman make the best decision for her. Counselors require up-to-date knowledge of local and national laws governing women’s pregnancy choices, especially concerning adolescents and their rights to make such decisions. The tie between forced abortion and mental health is no more associated with psychological danger than carrying an unwanted pregnancy to term. Psychological effects of abortion It was noted that adverse emotional reactions to the abortion are influenced by pre-existing psychological conditions and other negative factors and, furthermore, that well-being was separately and positively related to employment, income, and education, but negatively related to total number of children. The kind of stress and the amount of stress women experience varies from culture to culture. Emotional distress may occur in a majority of women who are contemplating or have had an abortion due to a number of factors, including pre-existing mental health problems, the status of the woman’s relationship with her partner, poor economic status, poor social network, or conservative views held on abortion. The term â€Å"post-abortion syndrome† was used as it was stated that it had been observed post-traumatic stress disorder which developed in response to the stress of abortion. While some studies have shown a correlation between abortion and clinical depression, anxiety, suicidal behaviors, or adverse effects on women’s sexual functions for a small number of women, these correlations may be explained by pre-existing social circumstances and emotional health and various factors, such as emotional attachment to the pregnancy, lack of support, and conservative views on abortion, may increase the likelihood of experiencing negative reactions. Abortion might mean a selection of women at higher risk for suicide because of reasons like depression. The study concluded that compared to other women in the group those who had an abortion were subsequently more likely to have â€Å"mental health problems including depression, anxiety, suicidal behaviors and substance use disorders. 1. 1) Career Counseling Career choices are based on matching personal traits (aptitude, abilities, resources, personality) with job factors (wages and environment for success. This framework contains three sections: a) Acquaintance with the necessary requirements and conditions of achievement, positive and negative effects, returns, opportunities, and prospects in different area’s of work. b) A true reasoning of the relations of these two groups of facts 1. 2) Christian counseling Christian counseling is carried out by a qualified counselor who upholds Christian ethics values, beliefs and philosophy. The uniting element is the therapist, who has integrated a combination of Christianity, psychology, and psychotherapy into the applied program. Counselees look at Biblical guidance and counseling as a perfect relationship with a caring counselor directed toward increased awareness of themselves, others, the societies and cultures in which they live, and their understanding of the Christian God. The therapy may take an ad-hoc approach, focusing simply on the therapy session itself. Clients may be more comfortable with a Christian counselor, and they may feel such a person’s advice is more sensitive to their personal or religious needs. Some clients also wish to use the Christian Bible as a reference for their counseling sessions and therapy. 1. 3) Disciplinary counseling A disciplinary counseling is a session or a meeting between an employer and an employee or a supervisor and his/her junior employee. It may focus and put more emphasis on a specific work place scenario or in carrying out a performance appraisal. The counseling process may be scheduled, initiated and executed by the supervisor and is not considered disciplinary. It is conducted in ultimate privacy, and is intended to have a constructive goal of providing feedback to the employee to correct the problem. 1. 4) Pastoral counseling Pastoral or Biblical counseling is a branch of therapy in which ordained ministers, rabbis, priests and others provide therapy services. These include Marriage and Family Counselors. Pastoral counseling is essentially a non-licensure. Counselees often will not pay for pastoral counseling of counselors without state licensing which is often synonymous with pastoral care that include Christian Counselors, Clinical pastoral education.. 1. 5) Rehabilitation counseling This type of counseling takes interest on assisting those with disabilities to achieve their personal, career, and independent living goals through a counseling process. Though educational programs have began to appear, it is not until the availability of adequate funding for rehabilitation counseling programs that the profession begun to grow and establish its own identity. 1. 6) Suicide intervention Counseling Suicide intervention is an effort to stop or prevent persons attempting or contemplating suicide from killing themselves. Individuals who utter the intention cause harm to self are routinely determined to lack the present mental capacity to refuse treatment, and can be transported to an emergency department against their will. Medical advice pertaining people who attempt or consider suicide is that they should immediately go or be taken to the nearest emergency room, or emergency services should be called immediately by them or anyone aware of the problem. Modern medicine treats suicide as a mental health issue. According to medical practice, severe suicidal ideation, that is, serious contemplation or planning of suicide is a medical emergency and that the condition requires immediate emergency medical treatment. Those suffering from depression are considered as high-risk group for suicidal behavior. When depression is a major factor, successful treatment of the depression usually leads to the disappearance of suicidal thoughts. However, medical treatment of depression is not always successful, and lifelong depression can contribute to recurring suicide attempts. 1. 7) Career Counseling A career was initially taken as a course of successive situations that make up a person’s work life. One can have a sporting, musical or any other without being a real professional athlete or musician, but most frequently â€Å"career† in the 20th century referenced the series of jobs or positions by which one earned one’s money. Career Assessments are tests that come in a variety of forms and rely on both quantitative and qualitative methodologies and helps individuals to identify and better articulate their unique interests, values, and skills. These type of advisors evaluates major interests, values and skills, of the client and also help them explore career options and research graduate and professional schools. This field is vast and includes career placement, career planning, learning strategies and student development. Typically when people come for career counseling they know exactly what they want to get out of the process, but are unsure about how it will work Career counselors work with people from all walks of life such as adolescents looking to explore career options or with experienced professionals looking for a career change. Career advisors normally have psychology, vocational psychology, or industrial/organizational setting. The approach of career counseling varies by practitioner, but generally they include the completion of one or more assessments. 1. 8 Credit counseling It is also known as debt counseling. This is a process offering education to consumers about how to avoid incurring debts that cannot be repaid. This process is actually more debt counseling than a function of credit education. This type counseling involves discussing with lenders in ascertaining a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. It merely gives a fresh start and an opportunity for the client to begin building a positive credit history. Criticism for credit counseling These sharp increases of credit counseling activity also created other, more serious issues in the industry and they include: a) Exploitation by most credit guidance organizations are so significant which leads to criticism of the entire industry. b) Another common criticism of credit counseling is the assertion that participating in a Debt Management Plan will ruin a consumer’s credit. d) Severally many credit advice firms hire untrained staff to do credit counseling. References 1) Swanson, J. L. and Parcover, J. A. (1998). Annual Review: Practices and Research in career counseling and development — 1997. The Career Development Quarterly. 47, 2, 98-135. 2) Kim, B. S, Li, L. C. , and Lian, C. T. (2002) Effects of Asian American client adherence to Asian cultural values, session goal, and counselor emphasis of client expression on career counseling process. Journal of Counseling Psychology, 49, 3, 342-354. How to cite Supervisory techniques, Papers

Poetry analysis America by Tony Hoagland Essay Example For Students

Poetry analysis: America by Tony Hoagland Essay Throughout life human beings usually find messages underneath the surface, which cannot be seen by the naked eye. In literature this is sororities done through the use of metaphors by using specific words when relating two inanimate objects. A writer might use metaphors In order to hide these messages and not be completely obvious. In the poem America, by Tony Hoagland, specific diction is used in metaphors in order to expose corruption in American society. The poem begins with a student (1) symbolizing the innocence of the person being corrupted such as our youth. By using the word student the writer may want to express the feeling that this corruption is due to the fact that one Is still learning and one shall learn to not be corrupt. This choice of wording could also be used in order the show the point that one is corrupted through influences like a student learns and Is influence by his teachers. Then the author goes on to describe the student as one with blue hair (1 ) which could have been used in the place of red in order to not express that this corruption lead to anger but remain s to be calm. Then the description of a tongue stud represents more of a sexual corruption. Although this interdicts the use of the word student due to the innocence surrounding the word it assists in the corruption through influence because sex is greatly influenced by others Including teachers. The speaker goes on to tell you how the student feels as if he is being buried alive by being captured and suffocated In the folds/ of the thick satin quilt of America (9, 10). This is claiming that corruption in America is a satin quilt. It is like satin because it is soft on the outside and then itchy and scratchy on the inside and does not prevent cold from coming In or In other words permits evil to come In. Then you eve the word quilt used which usually represents love and care and when one uses a quilt it is put on top of everything else so it is seen. So in this metaphor there is a contradiction of two kinds of corruption one being a corruption disguised and deceitful and the other being one clearly seen yet both are taking the same action, which is suffocating the student through the corruption. It is through metaphoric corruption that the author again points out an ultimate corruption. The author goes on to talk about the speakers father and corruption: I remember that when I stabbed my father in the dream last night, It was not blood but money That gushed out of him, bright green hundred-dollar bills Spilling from his wounds, and, . Clogging up my heart(12-17) Now the writer uses the word stabbed because when one is stabbed the inside of the body is exposed and truth can be seen. The author did not use shot because a bullet usually stays in side the body, not fully exposing the inside or truth. The use of the word father represents the student grown up after being influence through out his youth. On the other hand the father could represent America itself, which has gone room being young, studious, and influential to mature and corrupt. When stating that it is Just a dream the writer is trying to insist that the speaker only wishes what he remembers imagining in his dream. This implies that it did not occur and that there is still corruption in America. Then when said, Not blood but money/ that gushed Bright green hundred- dollar bills (12-13) it is insisting that money is the cause of the infectious corruption. This corruption is infectious and/or contagious by stating that it is bright green for usually bright green is implying disease and infection. .ucc15ae9a1202ef42b0e688bad51dd11a , .ucc15ae9a1202ef42b0e688bad51dd11a .postImageUrl , .ucc15ae9a1202ef42b0e688bad51dd11a .centered-text-area { min-height: 80px; position: relative; } .ucc15ae9a1202ef42b0e688bad51dd11a , .ucc15ae9a1202ef42b0e688bad51dd11a:hover , .ucc15ae9a1202ef42b0e688bad51dd11a:visited , .ucc15ae9a1202ef42b0e688bad51dd11a:active { border:0!important; } .ucc15ae9a1202ef42b0e688bad51dd11a .clearfix:after { content: ""; display: table; clear: both; } .ucc15ae9a1202ef42b0e688bad51dd11a { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ucc15ae9a1202ef42b0e688bad51dd11a:active , .ucc15ae9a1202ef42b0e688bad51dd11a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ucc15ae9a1202ef42b0e688bad51dd11a .centered-text-area { width: 100%; position: relative ; } .ucc15ae9a1202ef42b0e688bad51dd11a .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ucc15ae9a1202ef42b0e688bad51dd11a .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ucc15ae9a1202ef42b0e688bad51dd11a .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ucc15ae9a1202ef42b0e688bad51dd11a:hover .ctaButton { background-color: #34495E!important; } .ucc15ae9a1202ef42b0e688bad51dd11a .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ucc15ae9a1202ef42b0e688bad51dd11a .ucc15ae9a1202ef42b0e688bad51dd11a-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ucc15ae9a1202ef42b0e688bad51dd11a:after { content: ""; display: block; clear: both; } READ: Poetry assignment EssayThen he relates money to blood by saying it gushed out which implies that it was flowing through out the body insisting that it is due to the corruption. Then the writer goes on to use the words clogged up my heart (17) which could be implying that this money which has caused this corruption is so old and has been their for so long that it has stopped up his insides so much so that there is nothing else but. So when the father said thank god .. (16) it is suggesting that some may wish to not be corrupted like this by money but still are like father to the point where they can die /c it stopped up their heart. Also the author chose to use the heart and not the brain because the heart implies purity and no non-truth. The writer Tony Hoagland uses specific diction in his metaphors in the poem America to imply that there is corruption in American society. The opinion expresses uh to these metaphors is that there is a lot of corruption in the united states, so much that sometimes that one corrupt action contradicts another. This has possibly been caused by America itself growing up to fast and being influence by too many; as well as its people.