Bad Credit Helper How To Shop For a Credit Counselor

Bad Credit Helper How To Shop For a Credit Counselor Bad Credit Helper: How To Shop for a Credit Counselor Bad Credit Helper: How To Shop for a Credit CounselorIt can be a vicious cycle. A financial hardship hurts your credit, your bad credit creates financial hardship, and on and on it goes. So whats the solution?A professional credit counselor could you help you find your way out of this nightmare. But, as with any major financial decision, choosing the right credit counselor should be done carefully.In many ways, shopping for a credit counselor is a lot like shopping for a bad credit lender. While there are many respectable credit counselors out there who will keep your best interest in mind, there are still a number of not-so-respectable organizations that are just trying to make a quick buck (off of you!).Think of those organizations as the payday lenders of credit counseling. And just like payday lenders, they should be avoided at all costs!That’s why we asked three credit counseling experts for advice on how best to shop around for a credit counselor.(If you want to know more abo ut the basics of credit counseling, then check out our post: Do You Need Credit Counseling?)Look for the warnings signs.Its unfortunate but true: If you have bad credit, low income, or are otherwise in a financially dangerous situation, there are predatory organizations out there looking to take advantage of you. You can learn more about predatory lenders in our ebook How to Protect Yourself from Payday Loans and Predatory Lenders.So how can you tell the difference between the legitimate credit counselors and the scammers?Gary Herman, President of Consolidated Credit Counseling Services  warns that customers should, “Be cautious of any agency that charges an upfront fee for the initial debt evaluation.”“You should also proceed with caution if the credit counselor attempts to push you into a debt management program without fully informing you of the other debt relief options available,” says Herman.“If the fees exceed $79 per month, it’s definitely not legit because that exceeds all state regulations.”According to Mike Sullivan, a personal finance consultant with national nonprofit credit counseling and debt management agency Take Charge America, says upfront payments may be common with housing counseling, student loan counseling and even investment counseling, but that “it should be a warning sign with credit counseling.”“Another warning sign,” says Sullivan, “is an offer to put a consumer on a debt management plan (DMP) without at least a 20-minute discussion and analysis.”“It may well take an hour or more to determine if a DMP is the best solution, but a counselor anxious to get to the business transaction is not putting the consumers concerns first.”Katie Ross, Education and Development Manager for American Consumer Credit Counseling, or ACCC, adds that “any agency that promises to repair your credit is a red flag that they are less than reputable.   No agency can promise this.”What kind of research should you do?Before you start your work with a credit counselor, you should definitely do your research. That way, the odds that you’ll end up working with a less-than-reputable organization are drastically lowered.According to Sullivan, “There are many factors to consider in selecting an agency, such as nonprofit status, counselor certification and state licensing.”He recommends that you “Choose an accredited agency, such as Take Charge America, to ensure the agency employs the best possible business practices (mission and purpose, quality assurance, governance and administration, service environment, financial management, ethics and confidentiality, service delivery).“Visit the National Foundation for Credit Counseling (NFCC) at NFCC.org to find a list of accredited agencies to ensure compliance with best-practice standards.“You can also start with the Better Business Bureau and find credit counseling agencies in your area that have A+ ratings and can ask if they are members of NFCC. Of cour se, not every good credit counseling agency is a member of NFCC and not every member agency can be the best, but it is a good place to start.”According to Ross, the kinds of research that one should conduct before working with a credit counselor include “understanding exactly what the agency is offering and make sure they can help you with your financial issues,” reading the fine print of the agreement, getting everything in writing, and “contacting your creditors and see if they are familiar   with a particular agency offering this type of service.”If your first contact with a credit counselor is over the phone, Herman recommends that you check and make sure that “the person you’re speaking with is a certified credit counselor and not a customer service representative.”When it comes to specific criteria you should be looking for, Ross has a very helpful list:Be sure the agency is charging you reasonable fees (not more than $50/month for a debt management plan), but this can vary by state.The credit counseling agency should be non-profit.The agency should have been in business for at least seven to ten years.The counselors at the credit counseling agency should be certified by an independent organization.The agency should be accredited by the International Standards Organization (ISO) or by the Council on Accreditation (COA).The agency should be a member of one of the trade associations: either Financial Counseling Association of America (FCAA) or the National Foundation for Credit Counseling (NFCC).Consumers should consider checking with the Better Business Bureau for any consumer complaints made against the agency.The agency you are considering should be licensed and bonded to do business in your state.The agencys willingness to waive the fees if you simply cant afford them.The agency should spend a reasonable amount of time for your consultation/budgeting session. At least an hour is needed.The agency should provide you with a written budget based on your personal financial situation.And lastly, the agency should be willing to offer free education to help you learn how to manage your finances. They should also provide ongoing education while in a debt management plan or even if you decided a DMP is not for you.Consider some DIY financial solutionsWhile credit counseling is a great financial solution for many people, it is by no means your only option. In fact, much of the work you do with a credit counselor is work that you can do yourself at home.Of course, it helps to have a professional working it through with you. But with a little determination and a whole lot of perseverance, you can tackle most financial problems yourself.There is very little a credit counseling agency does that a consumer could not do alone,” says Sullivan. “Every consumer could create a budget, analyze cash flow, prioritize payments, negotiate credit card terms and institute a plan for getting out of debt in five years or less.”Unfortuna tely, most consumers will not do all this by themselves, but just having a written budget and monitoring expenses for sixty days goes a long way toward taking control of your financial health.Herman agrees. “If a household has cash flow available in their budget, they can implement a debt reduction plan on their own,’ he says. “You use your extra cash to pay off one debt at a time as quickly as possible, typically starting with the debt that has the highest APR first.”“Consumers can also call their creditors individually to negotiate lower interest rates, which can make it easier to pay back a debt. In addition, there are several options for do-it-yourself debt consolidation, such as credit card balance transfers and personal debt consolidation loans.”Lastly, there’s one piece of advice that Herman says is most important of all: “Having ten percent of your take home pay deducted from your check and put into a separate savings account will eventually make you successf ul.”“The key to financial success is really saving; debt is just the way non-savers deal with expenses,” he says.Do you have experience with credit counseling? Did you find it helpful? We’d love to hear from you! You can get in touch with us on Twitter at @OppLoans.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsGary Herman, President of Consolidated Credit Counseling Services Inc. (@ConsolidatedUS), is a consumer credit specialist and an AFCPE Certified Credit Counselor. He has been a part of Consolidated Credit for over 20 years and his expertise in establishing operations and marketing policies, hiring, and training financial counselors, has been a crucial advantage in Consolidated Credit’s success. As an expert who examines consumer credit trends, causes and effects of financial over-extension, Mr. Herman has been able to predict the needs of financially burdened consumers and provide Consolidated Credit’s certified counselors with the tools and educational materials required to keep ahead of the public’s needs.Katie Ross joined the American Consumer Credit Counseling, or ACCC, management team in 2002 and is currently responsible for organizing and implementing high-performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.Mike Sullivan is a personal finance consultant with Take Charge America (@TCAsolutions), a national nonprofit credit counseling and debt management agency. He has more than 25 years of experience educating consumers about a wide range of budgeting, credit, debt and saving issues, and was instrumental in building Take Charge America’s financial education department and community initiatives. More at takechargeamerica.org.

Essay on Ticcing Away Tourette Syndrome - 3162 Words

nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;â€Å"Tourette Kids† Sometimes we are happy Sometimes we are sad Sometimes we get teased Sometimes we get mad Although we seem different When tics appear each day Remember this disease chose us And no the other way So if we jerk, or yell, or swear Please try not to forget It isn’t us doing it But a disease called Tourette ----Jason Valencia---- Touretter 1986, 10 years old Living with Tourette syndrome gives a deeper insight to the highly misunderstood and understated disease, Gilles de la Tourette syndrome. The book delves into the origin of the disease, the symptoms, the medications, and the treatments. Then the author gives thoughtful advice, a guide, so to speak, for†¦show more content†¦TSA is not a psychological illness or psychosis. The disease is biochemicall6y base4d and is genetically transferred, that is, a person is born with it, and it is not contagious. (Shimberg, 1995, p.81) TS is characterized by repetitive, sudden, and involuntary movements. Although there is no known medical, biological, or psychological test to diagnose Tourette Syndrome, specific guidelines were compiled in the 1980’s by the American Psychiatric Association. According to the American Psychiatric Association’s Diagnostic and Statistical Manual of Mental Disorders, also known as DSM-IV, five symptoms must be present. 1. Both multiple motor and one or more vocal tics must have been present at some time during the illness, although not necessarily concurrently. A tic is defined as a sudden, rapid, recurrent, non-rhythmic, motor movement or vocalization. 2. The tics occur many times a day, usually in bouts, nearly every day or intermittently throughout a period of more that one year. During this period, there must have never been a tic-free period of more than three consecutive months. 3. The disturbance caused marked distress or significant impairments in social, occupational, or other important areas of functioning. 4. The onset of the disease’s symptoms occurs before the age of eighteen, and 5. The disturbance is not due to the direct

Whats Eating Gilbert Grape- Review and Critique - 2227 Words

What’s Eating Gilbert Grape. Film review and critique. Society’s ideological constructs and attitudes towards minority groups are created and reinforced through media imagery. Although negative associations that maintain inequities with regard to race, gender and homophobia (Conner Bejoian, 2006) have been somewhat relieved, disability is still immersed in harmful connotations that restrict and inhibit the life of people with disabilities in our society. Disability has appeared frequently in recent films (Byrd Elliot, 1988), a reflection of society’s interest in the subject. These films often misrepresent disability using stereotypes. These stereotypes reinforce negative and incorrect social perceptions of, and attitudes towards,†¦show more content†¦Whenever he tries to escape (usually to the water tower), he is ultimately returned back to this position of subordination under the care of others, which is typical of this stereotype (Hayes Black, 2003). A most common stereotype depicted of disabled characters is that of a ‘super-man’ (Safran, 2000) or ‘supercrip’ (Harnett, 2000), where a disabled character overcomes massive odds to beat or succeed in defeating their disability to become ‘normal’. The character is often seen as a hero to have made such progress. Although Arnie does not reflect a hero status, his character is beating his disability by the very fact that he is still alive. In the opening scenes of the movie, Gilbert’s narration lets the audience know that â€Å"doctors said we’d be lucky if Arnie lived to be ten, well ten came and went† (Matalon, Ohlsson, Teper Hallstrà ¶m, 1993), implying Arnie’s ‘triumph over tragedy’. He defies death that would be otherwise be brought about by his disability. Although not a thematic stereotype reinforced throughout this whole film, it is typical of a disabled character to be represented as a victim or object of violence (Safran, 2000). At the climax of the film, Gilbert’s overwhelming frustration and anger of his life situation overflows into a violent episode directed at Arnie. On occasions throughout the film, Arnie is portrayed as an innocent a victim or object of violence from hisShow MoreRelatedProject Mgmt296381 Words   |  1186 PagesCritical chain method Chapter 9 Chapter 10 Reducing Project Duration Leadership Chapter 2 Organization Strategy and Project Selection 1.4 Projects and programs (.2) 1.4.1 Managing the portfolio 1.4.3 Strategy and projects 2.3 Stakeholders and review boards 12.1 RFP’s and vendor selection (.3.4.5) 11.2.2.6 SWAT analysis 6.5.2.7 Schedule compression 9.4.2.5 Leadership skills G.1 Project leadership 10.1 Stakeholder management Chapter 11 Teams Chapter 3 Organization: Structure and

Gemstone and Diamond Mining Through the Years Free Essays

Gemstones have been a symbol of wealth from the ancient times up to the present. These stones with their own characteristic, unique and special properties have always been associated to beauty too. Popular and famous persons throughout history, especially those from the noble family have used gemstone to adorn not only themselves but their dwellings as well. We will write a custom essay sample on Gemstone and Diamond Mining Through the Years or any similar topic only for you Order Now In the United States, mining of these stones has been for recreational activity only for collectors and hobbyists since 1935 (Gemstones Production, USGS). Nevertheless, as the value of gemstones inflated, large scale mining operations have been initiated. In this paper, we would explore the world of gemstones; what truly fits the word gemstone, how are they classified and the methods of mining. Gemstones The word â€Å"gem† actually came from the Latin word gemma, which means â€Å"bud† (Microsoft Encarta). It is a very fitting name since gems seem to bud out of the earth’s crust like flowers in a garden. Gem or gemstone means any mineral or organic material that can be used to decorate one’s body, for display or can be considered an object of art due to its unique properties it possesses such as beauty, rarity and durability. Colored and diamond gemstones are subcategories of gemstones. Basically, colored gemstones are all other stones except diamond such as amber, coral and shell (Olson 32.1). On the other hand, natural gemstones are minerals, stones or any organic matter that can be cut, polished, or treated for use as jewelry or other personal ornament (Gemstones Terms, USGS). Gemstones can be further classified as precious or semiprecious gemstones. Precious gemstones have beauty, durability and rarity, while semiprecious gemstones have only one to two of these characteristics (Gemstones Terms, USGS). Diamond, ruby, sapphire, emerald, aquamarine, topaz and opal are classified as precious gemstones while others are treated as semiprecious (Gemstones Terms, USGS). Since gemstones are rare, they are not plentiful and these stones do not form ores like other mining products. They tend to be scattered throughout a large body of rock or can be crystals found on small cavities of rocks (Gemstones Environment, USGS). Gemstones are primarily found from Tennessee, Alabama, Arkansas, North Carolina, Oregon and Arizona (Gemstones Specialist 64). However, most gem diamond reserves are not found in the United States. Diamonds are usually mined from Southern Africa, Russia, and Western Australia (Gemstones Specialist 65). The very first used as jewelry were amber, amethyst, coral, diamond, emerald, garnet, jade, lapis lazuli, pearl, rock crystal, ruby, serpentine and turquoise (Olson 32.1). In the US, the commercial gemstone industry consists of individuals and companies that mine gemstones or harvest shell and pearls, firms that manufacture synthetic gemstones and individuals and companies that cut natural and synthetic gemstones (Olson 32.1). Worldwide, the industry is only composed of two sectors: diamond mining and marketing and the production and sale of colored gemstones (Olson 32.3). Throughout the year, few of the diamonds mined are of gem quality; much of them are of near-gem and industrial in quality. Gem quality diamonds display high standards of excellence in quality and can be sold as jewelry. Clarity of such diamonds is from flawless through to visible inclusions. On the other hand, near-gem quality represents diamonds that fall between gem and industrial quality and thus can be used for either purpose.   Clarity of this set is from visible inclusions to industrial. Lastly, industrial quality diamonds are of low quality and cannot be used as jewelry or adornment. These diamonds are suitable only for industrial use such as dentist’s drills and earthmoving equipment (Mining Diamonds). Diamonds are formed beneath the earth’s surface and required tremendous pressure and temperature. Like diamonds, most gems are crystals formed by cooling hot gases, solutions, and melts. As the earth’s soil surface weathers and erodes, and rivers forcefully flow through, gemstones may be exposed and be unearthed where one can even simply bend over the riverbank and pick them up (Microsoft Encarta). Mining One of the two primary industries of early civilization is mining. Like agriculture, it is one of humankind’s earliest endeavors (Introduction to Mining 1). In 3400, Egyptians in Sinai did the first ever-recorded mining where they have found turquoise (Introduction to Mining 7). Usually, gemstones are excavated at the surface. However, through the years, underground mining especially for diamonds have been developed. Unlike surface mining, underground mining is more complicated and expensive. It involves the efficiency, safety and permanence underground (Introduction to Mining 11). Mining is the process of obtaining useful minerals from the earth’s crust. Its process requires excavations in underground mines and surface excavations in open pit or open cut mines. Thus, it involves physical removal of rock and earth to acquire gems and other important minerals. (Microsoft Encarta). Mining consists of four stages. These stages are prospecting or search for mineral deposits, exploration or the work included in evaluating the extent of economic value of the deposit, innovation or the work of preparing access to the deposit so that the minerals can be extorted from it and exploitation which is the process of extracting the minerals (Microsoft Encarta). Methods of Mining There are several methods of mining. For gemstones, they are usually obtained on rivers and shores. However, there are also other ways of obtaining them in large scale mining operations. Exploitation methods can be classified into two categories based on setting which are surface and underground mining. Surface mining operations consists of mechanical excavation techniques such as open pit and open cast or strip mining. There are also aqueous methods such as placer mining and solution mining. On the other hand, underground mining is usually categorized into unsupported, supported and caving methods (Introduction to Mining 11). Placer mining involves excavating loose or alluvial such as sand and gravel. The sought after gems are separated from the sand or gravel by a series of screens, jigs and sluices. This type of mining is usually used for diamonds and rubies (Microsoft Encarta). At present, surface mining involves production of blastholes 3-15 inches in diameter by rotary or percussion drills for the placement of explosives in order to remove consolidated rock. The explosives are then inserted and detonated. The material then is loaded and hauled for transport (Introduction to Mining 15). Diamond Mining Diamonds are mined by pipe or alluvial methods. In pipe mining, extraction of diamonds is done from volcanic pipes. Unlike other gems, diamonds are usually found underground and on volcanic rocks and lands. In diamond pipe mining, large areas are exploited wherein an average of 250 tons of volcanic rock is mined just to produce a one-carat gem quality polished diamond (Mining Diamonds). Due to this intricate and costly process, diamonds are really rare and precious. Diamond pipe mines are composed of kimberlite material called blue ground. At the start, kimberlite is dug from the surface by rough opencast mining. Nevertheless, as the surface deposits are exhausted, pipe mining is employed by sinking shafts into the ground at the edge of pipes and tunnels are driven into the deeper parts of the pipes. By doing so, diamond-bearing rock is excavated and is then transported for screening (Mining Diamonds). Another method of diamond mining is alluvial mining. In this method, diamonds are extracted from riverbeds or ocean beaches. It is true that diamonds are made inside volcanic pipes and lands, however, millions of years allowed that some of the diamonds formed are weathered out of the volcanic pipes and carried to great distances by rivers and oceans. Thus, the process of alluvial mining involves building a wall that holds back the surf. About 25 meters of sand is demolished aside to reach the diamond-containing level in the ocean and riverbeds. The diamond-containing sand is then acquired and transported to screening plants (Mining Diamonds). In screening plants, diamonds with kimberlite are cleaned and purified. Separation of the diamonds from the kimberlite ore involves a process much like the panning of gold. The kimberlite ore is put into large funnels along with a heavy fluid and is then, mixed in a rotating manner. Since diamonds are heavier than the other materials from which it is mined, they sink into the bottom of the funnels and spill out. After this process, the diamond is almost free from other waste (Mining for Diamonds). Diamonds can then be washed on shaking grease-covered tables. Uncut diamonds then adhere to the grease while the other fragments of waste ore are vibrated past and are discharged to tailings pile. The tables are then scraped for diamonds in the grease and then are boiled to melt the grease and separate the diamonds (Microsoft Encarta). Finally, these diamonds are separated into different grades or quality as industrial, gemstone or near-gem grades. After-Mining Operations Rough uncut diamonds do not actually look attractive. Such diamonds are needed to be cut and polished before anyone can see their beauty and relevance in personal adornment and jewelry. The process of cutting and polishing originated in India where Indian natives discovered a way to make rough diamonds glisten by simply grinding another diamond against it (Mining Diamonds). Diamonds are known for their hardness, no material has ever been found which is capable of cutting diamond until the Indians found out that diamonds could actually be cut and polished by diamonds. The process of cutting and polishing typically lasts for several hours to several months. After which, the diamond will turn out lighter for at least half of its original weight (Mining Diamonds). Diamonds are first carefully examined before cutting. Diamonds are popularly cut into round brilliant since this shape gives the greatest possible brilliance with the minimal weight loss. Cutting uses an instrument similar to grinders. This cutting instrument is made of a paper-thin metal disc coated with diamond dust revolving at a fast speed. Lasers can also cut diamonds nowadays. The corners of the diamonds are then rounded by grinding another diamond producing some dust that can later be used in polishing. Diamonds are then polished to make them sparkle brighter. The diamond dust from the cutting is placed on a turntable made of iron and oiled. The cut diamond is then grinded against the turntable until it sparkles beautifully (Mining Diamonds). Conclusion Gemstones are treasures not only of powerful people but also of mighty and ancient civilizations. As humankind became civilized, gemstones such as diamonds and sapphires became symbols of prosperity and elegance. Their crystalline structure, the rarity, and the arduous process of mining them have lived up to their symbolism throughout the years and continue to do so. Works Cited â€Å"Gemstones Environment.† 18 June 1997. United States Geological Surveys, USGS. 30 April 2008 http://pubs.usgs.gov/gip/gemstones/environment.html.   Ã¢â‚¬Å"Gemstones Production.† 18 June 1997. United States Geological Surveys, USGS. 30 April 2008 http://pubs.usgs.gov/gip/gemstones/production.html. â€Å"Gemstones Terms.† 18 June 1997. United States Geological Surveys, USGS. 30 April 2008 http://pubs.usgs.gov/gip/gemstones/terms.html. â€Å"Gemstones†. Gemstones Specialist (703) 648-7721, Mineral Commodity Summaries, January 1996. USGS. 30 April 2008 http://minerals.usgs.gov/minerals/pubs/commodity/gemstoned/gemstmcs96.pdf. â€Å"Introduction to Mining.† 30 April 2008. http://media.wiley.com/product_data/excerpt/11/04713485/0471348511.pdf. â€Å"Mining.† Microsoft Encarta 2007. 1993-2006 Microsoft Corporation. CD-ROM. â€Å"Mining Diamonds†. 30 April 2008 http://work/gemstones/Mining Diamonds.htm. â€Å"Mining for Diamonds.† 30 April 2008 http://work/gemstones/Mining for Diamonds.htm. Olson, Donald. â€Å"Gemstones.† USGS 2000 Yearbook. USGS. 30 April 2008 http://minerals.er.usgs.gov/minerals/pubs/commodity/gemstones/gemstmyb00.pdf How to cite Gemstone and Diamond Mining Through the Years, Essay examples

Psychodynamic Theory free essay sample

Many psychologists have proposed theories that try to explain the origins of personality. One highly influential set of theories stems from the work of Austrian neurologist Sigmund Freud, who first proposed the theory of psychoanalysis. Collectively, these theories are known as psychodynamic theories. Although many different psychodynamic theories exist, they all emphasize unconscious motives and desires, as well as the importance of childhood experiences in shaping personality. Sigmund Freud’s Theory of Psychoanalysis In the late 1800s and early 1900s, Freud developed a technique that he called psychoanalysis and used it to treat mental disorders. He formed his theory of psychoanalysis by observing his patients. According to psychoanalytic theory, personalities arise because of attempts to resolve conflicts between unconscious sexual and aggressive impulses and societal demands to restrain these impulses. The Conscious, the Preconscious, and the Unconscious Freud believed that most mental processes are unconscious. He proposed that people have three levels of awareness: The conscious contains all the information that a person is paying attention to at any given time. We will write a custom essay sample on Psychodynamic Theory or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Example: The words Dan is reading, the objects in his field of vision, the sounds he can hear, and any thirst, hunger, or pain he is experiencing at the moment are all in his conscious. * The preconscious contains all the information outside of a person’s attention but readily available if needed. Example: Linda’s telephone number, the make of her car, and many of her past experiences are in her preconscious. The unconscious contains thoughts, feelings, desires, and memories of which people have no awareness but that influence every aspect of their day-to-day lives. Example: Stan’s unconscious might contain angry feelings toward his mother or a traumatic incident he experienced at age four. Freud believed that information in the unconscious emerges in slips of the tongue, jokes, dreams, illness symptoms, and the associations people make between ideas. The Freudian Slip Cathy calls up her mother on Mother’s Day and says, â€Å"You’re the beast, Mom,† when she consciously intended to say, â€Å"You’re the best, Mom. According to psychoanalytic theory, this slip of the tongue, known as a Freudian slip, reveals her unconscious anger toward her mother. The Id, the Ego, and the Superego Freud proposed that personalities have three component s: the id, the ego, and the superego. * Id: a reservoir of instinctual energy that contains biological urges such as impulses toward survival, sex, and aggression. The id is unconscious and operates according to the pleasure principle, the drive to achieve pleasure and avoid pain. The id is characterized by primary process thinking, which is illogical, irrational, and motivated by a desire for the immediate gratification of impulses. * Ego: the component that manages the conflict between the id and the constraints of the real world. Some parts of the ego are unconscious, while others are preconscious or conscious. The ego operates according to the reality principle, the awareness that gratification of impulses has to be delayed in order to accommodate the demands of the real world. The ego is characterized by secondary process thinking, which is logical and rational. The ego’s role is to prevent the id from gratifying its impulses in socially inappropriate ways. * Superego: the moral component of personality. It contains all the moral standards learned from parents and society. The superego forces the ego to conform not only to reality but also to its ideals of morality. Hence, the superego causes people to feel guilty when they go against society’s rules. Like the ego, the superego operates at all three levels of awareness.

Free Essays on The House Of Mirth

The novel, The House of Mirth, by Edith Wharton, is centered around the young Lilly Barton as she tries to rise in society and marry rich. Lilly Bart is an attractive woman but she is still not married at age 29. Ever since her mother died Lily began to live with her aunt, Mrs. Peniston. Although she is living at Mrs. Peniston’s house, Lily spends much of her time staying at the Bellomont, the large estate of Gus and Judy Trenor. Judy regularly throws huge, extravagant parties for New York’s upper-echelon in society. At these parties, most of the women play Bridge, which ends up costing Lilly a great deal of money, since she is unlucky and terrible at the game. Even though she always ends up losing money and has no constant stream of income, Lilly always manages to play. Throughout The House of Mirth, there are two constant underlying themes: wealth and marriage. Sadly, Lilly seems to miss out on many things because of her fanaticism with both. When it comes to marriage, it seems as though Lilly cares less about the kind of person he is and only cares about a man’s money and place in society. In Book One, Lilly decides that she wants to marry Percy Gryce, even though she clearly states that she thinks he is incredibly boring. Unfortunately, the one man Lilly actually loves, Lawerence Selden, does not have enough money for her to marry him. While at the Bellmont, Lilly learns about the stock market and decides that she would like to get involved in an investment. She asks Gus Trenor to invest a very small amount, different from what he is used to dealing with, for her. Gus agrees enthusiastically because he has, for lack of a better word, a â€Å"crush† on Lilly and is willing to do anything to spend time with her. The stock market pays off for Lilly and she now has a steady income. The money does not last long, though, as she spends it lavishly on clothing and other items. Later, Lilly learns that Trenor has not been ... Free Essays on The House Of Mirth Free Essays on The House Of Mirth The novel, The House of Mirth, by Edith Wharton, is centered around the young Lilly Barton as she tries to rise in society and marry rich. Lilly Bart is an attractive woman but she is still not married at age 29. Ever since her mother died Lily began to live with her aunt, Mrs. Peniston. Although she is living at Mrs. Peniston’s house, Lily spends much of her time staying at the Bellomont, the large estate of Gus and Judy Trenor. Judy regularly throws huge, extravagant parties for New York’s upper-echelon in society. At these parties, most of the women play Bridge, which ends up costing Lilly a great deal of money, since she is unlucky and terrible at the game. Even though she always ends up losing money and has no constant stream of income, Lilly always manages to play. Throughout The House of Mirth, there are two constant underlying themes: wealth and marriage. Sadly, Lilly seems to miss out on many things because of her fanaticism with both. When it comes to marriage, it seems as though Lilly cares less about the kind of person he is and only cares about a man’s money and place in society. In Book One, Lilly decides that she wants to marry Percy Gryce, even though she clearly states that she thinks he is incredibly boring. Unfortunately, the one man Lilly actually loves, Lawerence Selden, does not have enough money for her to marry him. While at the Bellmont, Lilly learns about the stock market and decides that she would like to get involved in an investment. She asks Gus Trenor to invest a very small amount, different from what he is used to dealing with, for her. Gus agrees enthusiastically because he has, for lack of a better word, a â€Å"crush† on Lilly and is willing to do anything to spend time with her. The stock market pays off for Lilly and she now has a steady income. The money does not last long, though, as she spends it lavishly on clothing and other items. Later, Lilly learns that Trenor has not been ...

Leísmo and the Use of Le in Spanish

Leà ­smo and the Use of 'Le' in Spanish Do you always follow the rules of proper English in your speaking and writing? Probably not. So it probably would be too much to ask native Spanish speakers to do the same. And thats especially true when it comes to using pronouns such as le and lo. When it comes to breaking the rules of Spanish - or at least of varying from standard Spanish - there are probably no rules that are broken more often than those involving third-person object pronouns. The rules are broken so often that there are three common names for variations from whats considered normal, and the Spanish Royal Academy (the official arbiter of what is proper Spanish) accepts the most common variation from the norm but not others. As a Spanish student, youre normally best off learning, knowing and using standard Spanish; but you should be aware of variations so they dont confuse you and, ultimately, so you know when its OK to deviate from what you learn in class. Standard Spanish and Objective Pronouns The chart below shows the third-person objective pronouns that are recommended by the Academy and are understood by Spanish speakers everywhere. Number and gender Direct object Indirect oject singular masculine ("him" or "it") lo (Lo veo. I see him or I see it.) le (Le escribo la carta. I am writing him the letter.) singular feminine ("her" or "it") la (La veo. I see her or I see it.) le (Le escribo la carta. I am writing her the letter.) plural masculine ("them") los (Los veo. I see them.) les (Les escribo la carta. I am writing them the letter.) plural feminine ("them") las (Las veo. I see them.) les (Les escribo la carta. I am writing them the letter.) In addition, the Academy allows the use of le as a singular direct object when referring to a male person (but not a thing). Thus I see him could correctly be translated as either lo veo or le veo. Substituting le for lo is known as leà ­smo, and this recognized substitution is extremely common and even preferred in parts of Spain. Other Types of Leà ­smo While the Academy recognizes le as a singular direct object when referring to a male person, that isnt the only type of leà ­smo you may hear. While the use of les as a direct object when referring to multiple persons is less common, it also is frequently used and is listed as a regional variation in some grammar texts despite what the Academy may say. Thus you may hear les veo (I see them) when referring to males (or a mixed male/female group) even though the Academy would recognize only los veo. Although less common than either of the above variations, in some regions le also can be used as a direct object instead of la to refer to females. Thus, le veo might be said for either I see him or I see her. But in many other areas, such a construction might be misunderstood or create ambiguity, and you should probably avoid using it if youre learning Spanish. In some areas, le may be used to denote respect when used as a direct object, especially when speaking to the person le refers to. Thus, one might say quiero verle a usted (I want to see you) but quiero verlo a Roberto (I want to see Robert), although -lo would technically be correct in both instances. In areas where le can substitute for lo (or even la), it frequently sounds more personal than the alternative. Finally, in some literature and older texts, you may see le used to refer to an object, thus le veo for I see it. Today, however, this usage is considered substandard. Loà ­smo and Laà ­smo In some areas, parts of Central America and Colombia in particular, you may hear lo and la used as indirect objects instead of le. However, this usage is frowned on elsewhere and is probably best not imitated by people learning Spanish. More About on Objects The distinction between direct and indirect objects isnt quite the same in Spanish as it is in English, and thus the pronouns that represent them are sometimes called accusative and dative pronouns, respectively. Although a full listing of the differences between English and Spanish objects is beyond the scope of this article, it should be noted that some verbs use dative (indirect object) pronouns where the English would use a direct object. One common such verb is gustar (to please). Thus we correctly say le gusta el carro (the car pleases him), even though the English translation uses a direct object. Such usage of le is not a violation of the formal rules of Spanish or a true example of leà ­smo, but rather shows a different understanding of how some verbs function.