Managing Credit Cards Essay Example | Topics and Well Written Essays - 750 words

Managing Credit Cards - Essay Example However, there are a few things that go un-noticed. Credit cards come with a premium. Prompt repayments will help avoid undue tension and misunderstandings. Experts believe that the majority of U.S. citizens have at least one credit card, if not two. Credit cards are an important source of identification as well; a credit card is mandatory for renting a car. Used wisely, a credit card provides a cushion on purchases by a long way before charges are levied. But yes, there are a few things to be kept in mind before one considers making a purchase, and there are ways to control the way one uses his/her credit card to avoid heavy debts. The purpose of this study is to find ways to protect students from falling into greater debts by following certain principals. This forms the focus of this paper. Many consumers find themselves in serious trouble over repayment. Only a few are able to take advantage of the benefits offered by credit cards, primarily because they follow the simple procedure of repaying their credit on or before time. Many fall back on the centuries old practice of carrying a balance for months, paying a part of the principal amount and an accrued interest. One thing that they fail to notice is that they could end up paying an all-time high of 23% at some point of time, a huge dent in one's pocket. Most credit card holders are so addicted to using the card that they end up being impulsive buyers. For the record, a survey in 1999 showed that American consumers were charged approximately $1.2 trillion on their general-purpose credit cards! (How Credit Cards Work, Howstuffworks. 2006) This has since gone up considerably. How does the credit card work When a customer uses his/her credit card at a merchant shop, the bank that issued the card, credits the account of the merchant on the sale slip(s) receipts. This amount is then billed to the card holder at the end of the billing period. The cardholder, in turn, pays the bank either the entire amount or in monthly installments with interest. When backlogs on installments occur, the interest increase and repayments become harder. This is one area that credit card users should strive to stay away from. Regular repayments will help stay away from trouble. Credit is an important economic force of great social magnitude. Cultural expectations with rewards for good payment records and sanctions for violating creditor expectations are all too familiar. Thus, promotion of consumer credit and punishment for nonconformity with creditor expectations emerges as a significant dialectical relationship (Klein, 1999). 3.0 Solution to the Problem Students find credit cards extremely user -friendly and handy. Most of their transaction in campus and elsewhere are performed by using a credit card. Students need to avoid unnecessary expenses, such as on clothes, entertainment and travel. Students wanting to get away for the weekend end up hiring automobiles to commute to places away from the campus and incur heavy bills. Students end up paying these bills through their credit cards. Always assess the comfort zone limit of credit that one can avail before embarking on a

Final exam Assignment Example | Topics and Well Written Essays - 1500 words - 1

Final exam - Assignment Example However, the exact point where the mind and body interact, and the process of their interaction, escapes our knowledge, it cannot be scientifically quantified. It is therefore not an easy thing to explain how something immaterial (mind) interacts with the material (body). For while the physical part of the body is evident, it beats logic just how an invisible immaterial thing influences the body One is able to know his/her own mind because he/she can afford to enter into his/her inner sanctum of thought, this way, in a reflective mood one can tell clearly when he is in pain, or when sad or even when overwhelmed by joy, but it is difficult to tell whether other people have minds, or they are just programmed robots. While similarities in shape and size do not necessarily mean that because one is like this, the other person is the same too, the argument of analogy claims that, those similarities provide us with an important hint in getting to know the mind of others, it is therefore helpful to note that since we are members of the same species and share so many similarities together, such as the response of joy with elation and loss with sorrow, we can get to know the state of others from their overall response in different occasions, setting us always as the determinants, therefore by observing the behavior of others one can infer (courtesy of the similarities) that others to o have a mind. Memory theory of personal identity is the principle that claims that memory is the key factor that enables one to persist over time, the theory argues that , in the midst of growing change and changing times that so often change us qualitatively and quantitatively, the only thing that attaches us to that person who was yesterday or twenty years ago, is the ability to recall a certain experience that that same person experienced, in the

The Nature of Belief Essay Example for Free

The Nature of Belief Essay Describe the part which art plays in the worship and spiritual life of Islam In Islam, there is a very strong belief of never drawing any type of picture of Allah, Muhammad or animals. This is due to the worry of people worshiping the image rather than what it actually represents. Pictures similar to this are considered as blasphemous as they are misleading and unreliable. The quotation below describes the belief of Allah. No vision can grasp Him but His grasp is over all vision; He is above all comprehension, yet is acquainted with all things. (Surah 6:103) Giving a false impression of Muhammad would be wrong, however in the past if a picture were to be drawn, the face on the figure would be smudged. Allah has no form as he is beyond all images; he is transcendent. Pictures of Allah would limit his actions. As Muhammad is the last prophet he is never drawn nor worshipped. The concept of Tawhid is the most basic Muslim belief. Allah is one and not begotten. He is Allah, the One, Allah is Eternal and Absolute. None is born of Him, He is unborn. There is none like unto Him. (Surah 112) Originally the Quran was hand written and it is common to see Muslims copy this. However when copying out the Quran, Muslims take pride in the presentation and often use calligraphy (beautiful writing). Calligraphy is very important in Islam, as it is used for religious expression to decorate the mosques as pictures and statues are not allowed. It is the art of writing. It is the words written which are regarded as important not the art form. Commonly the shape of the writing is used to represent the words written, especially when writing any of the ninety-nine names of Allah. This is thought to be the best way to learn important aspects of the religion. Not only are the walls in the mosque decorated with calligraphy, but also prayer mats and also around the Islam homes. Their religion is important to Muslims at all times and in all places, and the common use of calligraphy art helps them to consistently stand by their faith. In September 1988, Salman Rushdie wrote the book Satanic Verse, covering the topic of Islam. He is now greatly hated by Muslims due to the way he chose to decorate his book cover. The book cover was decorated with calligraphy taken from the Quran and the words used were those of Allah, which is not acceptable. On Valentines Day 1989 the revolutionary leader Ayatollah Khomenei declared a fatwa, a religious ruling informing Muslims to carry out a death sentence on Salman Rushdie for committing blasphemy. Many artistic features in Islam, not only calligraphy, form geometric patterns and shapes, which follow mathematical principles. They are created in many different colours and can be found in both Muslim homes and mosques. Their geometric form replicate Allahs constant perfection. All of these artistic features are used to remind Muslims about their religion and help them focus on Allah. The perfection of their art is thought to be greatly important as it represents the magnitude of their faith.

Research Paper On Leukemia Health And Social Care Essay

Research Paper On Leukemia Health And Social Care Essay I decided to write my research paper on Leukemia because my uncle who lived in Bend, OR found out that he had Leukemia. This news was devastating for our family including my uncle. His health started dropping and he started felling tired all the time. My uncles this condition led him to lose his job because he could not keep up with his work. In our culture sole provider of the household is man. In this situation financial condition of the family was terrible because neither my uncle nor his wife were working. Their kids school grades were dropping and they were sadden by their fathers sickness. His son had emotional breakdown, and wanted to spend all his time with his father. This commotion of the family even spilled over to my side of the family. My mom was really attached to her brother; finding out that her brother has cancer. It was very hard on my mom. My moms health was at its worse when she got news of my uncles sickness. My uncles parents lived in India. Finding out their one and only son has a deadly sickness; it was very disturbing for his parents. They applied for visas to come to the United States to see their son. Even though, the family in the United States made a request to immigration services to allow my uncles parents to come to the United States to see their son. Supporting documents were submitted including a detailed letter from my uncles doctor describing his medical condition. However, their requests for obtaining U.S. visas were denied. My uncles medical condition did not allow him to travel to India to see his parents for the last time in his life. Furthermore, my uncle did not have medical insurance. The reason for not having a medical insurance was the high cost of it. Other big factor of not having insurance was that my uncle did not have a job for a long time. Even when he had a job it did not come with medical benefits. However, few months after my uncle found out that he had a cancer, and was hospitalized a doctor from the hospital down in Bend, Oregon helped him to get a medical insurance through Oregon Health Plan. This helped my uncle and his family a lot. My uncle was able to get quality treatment from the hospital through that health plan. The doctors did chemotherapy for six months and still it didnt cure him, and soon doctors gave up, and said sorry he wont live for long. Just week after that my uncle passed away. This is how my family is impacted by Leukemia. Leukemia is cancer that starts in the tissue that forms blood. To know how cancer starts it is helpful to know how normal blood cells form. Most blood cells are formed in the bone marrow called stem cells. Bone marrow is the soft material in the center of most bones. When mature it develops into different kinds of blood cells, each kind does a special job. Major kinds include the red blood cells and the white blood cells. White blood cells are helpful to fight infections. There are many kinds of white blood cells. Red blood cells carry oxygen to the tissues throughout the body. The platelets help form blood clots to prevent bleeding. White blood cells, red blood cells, and platelets are created from stem cells when body needs them. When these cells grow old or damaged, they die, and then new cells take their place. In a patient who has leukemia, the bone marrow makes abnormal white blood cells. Those abnormal blood cells are called leukemia cells. Normal blood cells die when they reach a certain age or when they get damaged, whereas leukemia cells do not die after aging or getting damaged. They start to crowd out normal white blood cells, red blood cells, and platelets. This situation makes it very hard for normal blood cells to do their job. There are two types of leukemia; the types of leukemia can be grouped on the bases of how quick the disease develops and gets worse. Leukemia is either chronic which usually gets worse slowly, or theirs acute which usually gets worse quickly. Chronic Leukemia: In the beginning stages of the disease, the leukemia cells can still do the job for normal white blood cells. Patient may not have any sign at first; doctors often find the chronic leukemia during a routine checkup before there are any symptoms. Gradually, chronic leukemia gets worse. As the number of leukemia cells in the blood increases, patients starts to get symptoms, such as swollen lymph nodes, fevers, night sweats, weak feeling, bleeding, weight loss, swelling, pain or infections. When those symptoms do appear, they are usually mild at first and get worse slowly. Acute Leukemia: The leukemia cells cant do any of the work of normal white blood cells. The number of leukemia cells increases quickly. Patients usually go to their doctor because they feel sick. If the brain is affected, they may headaches, vomiting, confusion, loss of muscle control, or seizures. Patients start to get symptoms, such as swollen lymph nodes, fevers, night sweats, weak feeling, bleeding, weight loss, swelling, pain or infections. Acute leukemia usually worsens rapidly. Diagnosis: Have one or more of the following tests done: physical exam, blood tests, biopsy done two ways bone marrow aspiration and bone marrow biopsy. Prevention: As long prevention goes, there is no way to prevent leukemia at this time. However, avoiding risk factors such as smoking, exposure to toxic chemicals, diagnostic x-rays, and exposure to radiation may help prevent some cases of leukemia. Being healthy and staying healthy plays a big role in preventing leukemia. What we put into our bodies has a lot to do with our overall health. Cancer Fighting Foods: I have also done some research on foods that are known to prevent different types of cancer. Eating a lot of vegetables and fruits help to prevent leukemia, list of vegetables and fruits are: Avocados rich in glutathione, a powerful antioxidant that attacks free radicals in body. Black Raspberries Blueberries contain an antioxidant that kills leukemia cells without harming healthy cells. Carrots contain beta carotene, which may help reduce cancer. Broccoli, cauliflower, Brussels sprouts, and cabbage contains two antioxidants, lutein and zeaxanthin that may help reduce cancer. Garlic increases the activity of immune cells and helps break down substances that cause cancer. Grapefruits, oranges, papayas, pomegranate help prevent cancer Treatment: Leukemia treatment falls into two types of treatment to fight the cancer and treatment to relieve the symptoms of the disease and the side effects of the treatment. Chemotherapy is the widely used treatment for leukemia; it is the powerful drug to kill leukemia cells. Therapy can be administered by mouth or vein depending on the type of medication. Sometimes depending on the case chemotherapy can be given at home. In other cases patient has to hospitalize to receive the therapy. By this it kills cells or stops them from reproducing. It also kills rapidly growing healthy cells, accounting for many of the side effects of therapy. The severity of the side effects depends on the doses given and the patients tolerance. Chemotherapy is usually given in cycles. Each cycle consists of severe treatment over several days followed by a few weeks without treatment for rest and recovery from side effects caused by the therapy, mostly anemia and low white blood cells. The sequence is then repeated. It may be administered for two to six cycles, depending on subtype leukemia and risk factors involved. Bone marrow exams may be done prior to each cycle of therapy. After completion of treatment the patient is evaluated again to see the effect of the chemotherapy for leukemia. Conclusion: In end it is all about how we take care of our bodies, our diet plays a big role in our well being and staying healthy. As stated above leukemia cancer is a very dangerous disease. We should take proper precaution to prevent this disease. Doctors are taking several measures to prevent this cancer from spreading in human body. If leukemia cancer is not taken care in its early stages it may prove fatal to human body. Citations: http://www.leukemia-cure.com/leukemia-symptoms.html http://www.lls.org/#/diseaseinformation/leukemia/ www.leukemia-lymphoma.org http://www.emedicinehealth.com/leukemia/article_em.htm http://www.cancer.gov/cancertopics/types/leukemia

American Masculinity: Defined By War Essay -- War and American Masculi

War has been a mainstay of human civilization since its inception thousands of years ago, and throughout this long and colorful history, warriors have almost exclusively been male. By repeatedly taking on the fundamentally aggressive and violent role of soldier, Man has slowly come to define Himself through these violent experiences. Although modern American society regulates the experiences associated with engaging in warfare to a select group of individuals, leaving the majority of the American public emotionally and personally distant from war, mainstream American masculinity still draws heavily upon the characteristically male experience of going to war. In modern American society, masculinity is still defined and expressed through analogy with the behavior and experiences of men at war; however, such a simplistic masculinity cannot account for the depth of human experience embraced by a modern man. Whether engaging in European trench warfare or fighting through the jungles of Vietnam, a soldier must learn to cope with the incredible mental stress brought on by the ever-present threat of a grisly death. The physical stress introduced by poor nutrition, a harsh and hostile environment, and the cumulative physical effect of emotional trauma only serves to make a trying situation even more taxing. It is out of this violently stressful environment that the coping mechanisms that characterize wartime masculinity arise. A natural response to such a violent environment is to simply behave in a way that portrays no weakness. If the soldier does not show any signs of weakness, he finds it much easier to convince himself that he can survive by his strength. In asserting his control over himself by hiding all of his weaknesses, h... ...y and war still abound; however, these analogies cannot capture the full masculinity of the modern man as they do not allow for the formation of intimate personal relationships, such as that between husband and wife, which lie at the heart of ordinary civilian life. Works Cited Kriegel, Leonard. â€Å"Taking It.† Reconstructing Gender: A Multicultural Anthology. Ed. Estelle Disch. New York: McGraw Hill, 2006. 194-196. Messner, Michael A. â€Å"Boyhood, Organized Sports, and the Construction of Masculinities.† Reconstructing Gender: A Multicultural Anthology. Ed. Estelle Disch. New York: McGraw Hill, 2006. 120-137. O’Brien, Tim. The Things They Carried. New York: Broadway Books, 1990. Petrie, Phil W. â€Å"Real Men Don’t Cry†¦ and Other ‘Uncool’ Myths.† Reconstructing Gender: A Multicultural Anthology. Ed. Estelle Disch. New York: McGraw Hill, 2006. 221-226.

Mexican-Americans Fight for Equality in America Essay example -- Race

Mexican-Americans' Fight for Equality in America The United States has always been thought of as the the land of opportunity. Why is it that for years Mexican-Americans have been mistreated and discriminated against? There are millions of people that live in the US that are of Mexican descent. Throughout the Mexican-American history they have faced constant struggles to be recognized as equal citizens. The white man drove them from their own homes when they first settled in America. The Anglo settlers did not hold much if any respect for the Mexicans. The fight for their civil rights has been going on since the 1800s. It wasn't until the 1960s when the Chicanos were formed that affirmative action began to take place. The Americans settled all over the United States and in the 1820s began showing interest in the West because of trade with Asia. Certain leaders were sent out on missions' to "help" better the lives of the Indians and Mexicans. When the white settlers first came to West they viewed the Indians and Mexicans as savages. They did not think of them as human because their lifestyle was unsuitable, or rather different then their own. The only way that they could tolerate them was to try and change their way of living. They attempted to convert them into the Christian religion, to change the way they ate, what they ate, how they ate it, the way they dressed, teach them English, etc. "The object of the missions is to convert as many of the wild Indians as possible, and to train them up within the walls of the establishment in the exercise of a good life, and of some trade, so that they may be able to provide for themselves and become useful members of civilized society."1 The Mexicans did not like nor we... ...ecause the white people treated the Mexicans so unfairly the Mexicans united against them and formed a unity that has lasted until today. In Michelle's paper she recaps the history of Mexicans in the United States that was not completely dealt with in either the website or the movie. Michelle points out that the Latin@s history is essential to understanding the Mexicans experience. She also wrote of the Mexican's el movemiento and how the website and movie brought about different accounts of this momentous event. In reading different papers about the Mexican-Amercican experience it expanded not only my knowledge but my opinion too. Nikki and Michelle brought up some interesting points, ideas, and thoughts on the Mexican's life in the United States. Through all my research on mexican's I have gained a better understanding of the Mexican's struggle.

Food Processing Essay

Introduc? on Food science is a ? eld embodying the applica? on of modern science and engineering to the produc? on, processing, diversi? ca? on, preserva? on and u? liza? on of food. Food is very essen? al to man’s survival and great a? en? on should be paid to food produc? on, distribu? on, wholesomeness and preserva? on. To ensure that food is clean and safe for human consump? on and having keeping quality, food scien? sts are responsible in seeing that the crop harvested, the ? sh caught, that animal slaughtered, the egg laid and the milk produced reach the consumer in the most acceptable, nutri? ous safe and wholesome condi?on by carefully studying the chemical complexi? es of food, their vulnerability to spoilage, their disease vectors and varying sources of produc? on. Food scien? sts try to eliminate seasonal gluts and shortage by providing a technologically sound base for the levelling out of food surpluses and shortages with and among countries and regions. They also see to the remedy for the malady of post-harvest losses in food grains in the highly industrialised socie? es has been the development, along with increase in yield poten? al of adequate storage and low- cost processing technologies to preserve and store the harvest. The development and produc? on and new nutri? ous foods to improve the diet of people su%ering from malnutri? on, the provision of adequate group – speci? c diets for the young and adults performing under condi? ons of stress, pregnant and lacta? ng mothers, kwashiorkor and diabe? cs pa? ents. Scope of food science The scope of food science is in threefold: 1. To make it possible to assemble the great quan es of food required by a crowded popula? on. 2. To make the food agreeable to the consumers that is to say, to provide them so far as is possible with the kind and quality of food they demand at all ? mes of the year doing this partly by carefully controlling the quan? ty and uni-forrming of the commodi? es produced and partly by constant e%ort to produce something new ( a new breakfast food, a new kind of co%ee essence or indeed a new kind food altogether and by these mean keeping up with popula? on demands). 3. To maintain and improve the nutri? onal value of the total food supply and hence the health of the community ea? ng it. Basic principles of food science Food processing and preserva? on either local or interna? onal mist follow basic principles 1. Working surface and environment must be kept clean and spillage must be wiped o%. 2. Food processor must observe personal hygiene, which involves cleanliness and care of the body to prevent the spread of infec? ons. 3. Cleaning utensils should be used during the processing food in order to prevent food contamina? on. 4. The process ad preserva? on area must be clean always so that the task of the food prepara? on and preserva? on may be performed without hazards to the body. Brief history and growth of food science The history of food science can be traced back to ancient ? mes from ? me immemorial individuals and community have organised themselves in various way to provide for the preven? on of food microorganisms which leads to deteriora? on of food, processing and preserva? on which leads to treatment and promo? on of health eaten wholesome food. In 1840 industrial revolu? on was started in England, which brought about of food science during this period. There was extensive industrial use of newly developed machine e. g. the steam engine and mass produc? on techniques. Also during the ? rst and second world wars, there was increase in the bulk manufacture of food as a result of commercial feeding in most part of the world. Therefore the prepara? on centre became over u? lized including sta%, which eventually results to the gross contamina? on of food. This helps in crea? ng the awareness from ? me to ? me to safeguard the produc? on of food, and totally free from micro organism from food which are meant for consump? on. Rela? onship between food science nutri? on and diete? cs Food science deals with the basic chemical, bio chemical, physical and biophysical proper? es of foods and their cons? tuents, thus very closely related to nutri? on which is the study of the nutrients in rela? on to their func? ons in the body. It also involves the study of the chemical and physical proper? es of the nutrients, their food source, de? ciency symptoms and their appropriate propor? on in a balanced diet. These two (food science and nutri? on) are related to diete? cs in the sense that the diete? c is the prac? cal applica? on of the principle of nutri? on, which includes the planning of meals for the healthy and the sick. Assignment What is rela? onship between food science catering and hotel management. Food processing. There are methods involved in prepara? on of food. These methods include material handling (washing, cleaning e. t. c ) during, mixing, crushing, hea?ng, cooling or freezing and packing). Reasons for food processing 1. To prevent food spoilage. 2. To prolong shelf life. 3. To avoid was? ng of food especially when they are in season. 4. To allow for the use of food during the o% – season. 5. To introduce variety into the family menu. 6. To eliminate the purchase of the food when they are most expensive. 7. To be able to take care of emergency situa? ons. Food preserva? on Food preserva? on is the act of keeping food for a longer period of ? me before it is consumed. It may involve the addi? on of other substances or changing the form of the foodstu% to another food through processing or keeping the food especially designed containers or equipment. Principle underlying food preserva? on The act of food preserva? on is based on the following: a. Destruc? on of microorganisms. b. Preven? on of microorganism entering into the food. c. Arrest of the ac? on of food enzymes. 10 methods of food prepara? on Drying: this is the process which the water content of the food is reduced. Both food enzymes and food microorganisms require water for ac? on and growth. The removal of water from the food creates an unfavourable environment for their ac? on and growth, hence they are unable to cause food spoilage. Drying can be achieved by sun drying or by ar cial dryer or roas? ng on a ? re. Examples of food preserved by drying is legumes, cereals, meat, ? sh etc. the preserva? on of food by drying can either be by dehydra? on or concentra? on. A i. Dehydra? on: is the process by which all the water content of the food is removed and the resul? ng product is very dry and break with a snappy sound, food items usually dehydrated are ? sh, meat, yam cassava, cereals and legumes. ii. Concentra? on: is the removal of a considerate amount of water from food stu%s by the applica? on of heat, cooking e. g. tomato puree, pepper puree etc. There are di%erent types of drying which are solar drying, oven drying, freezing, roller drying, vacuum drying, tunnel drying and spray drying B. Applica? on of low temperature: this is the process of keeping food at a low temperature e. g. chilling and freezing. In chilling, the food is kept in the refrigerator while in freezing, the food is kept in the freezer. Freezing is keeping the food at a temperature below 0oC or 32oF, which solidi? es the food. Freezing keeps food longer and completely arrest the growth o% microorganisms and the ac? on of food enzymes. Chilling on the other hand does not completely arrest enzymes ac?on and bacteria growth. Food items preserved with this method are ? sh, meat, milk, fruits and vegetables C. Applica? on of high temperature: this involves the destruc? on of food enzymes and microorganisms by hea? ng. Both enzymes and microorganisms are proteinous in nature and when they are heated; their protein becomes denatured and hence rendered inac? ve. This method can either be by pasteuriza? on, steriliza? on or blanching. I. Pasteuriza? on: is the applica? on of heat to foodstu% under 10oC. the objec? ves of the heat is not to destroy all the microorganisms present in the food but only the pathogenic ones. Pasteuriza?on has a minimum e%ect on the nutri? onal proper? es of the food. It is usually carried out in three forms. Low temperature long ? me (LTLT), High Temperature Short Time (HTST), Ultra High Temperature (UHT) in this process the hea? ng temperature is very high but the dura? on is very short e. g. milk can be heated at 125. 25oC for 14 seconds. II. Steriliza? on: is the heat treatment of food at a very high temperature. The objec? ve of steriliza? on is the destruc? on of all the microorganisms present in food. Thus it is a more severe heat treatment of food than pasteuriza? on e. g. tomato puree, canned meat and ? sh etc. III. Blanching.