Troubled Asset Relief Program Essay Example for Free

Pained Asset Relief Program Essay While evaluating the estimations of the proposed enactment, legislators realized that the bill would have been mind boggling in that it is managing exceptionally troublesome issues. The open was guaranteed that much time and exertion had gone into evaluating these issues, for example, â€Å"†¦fairness and value, banking guideline, official compensation, work losses†¦moral peril, 401(k) values, and the best possible job of the state (Couch, Foster, Malone, Black, 2011). †After taking everything into account, it was understood that the inspiration driving most give votes was not really a role as confounded true to form. In reality, it was very basic (Couch, Foster, Malone, Black, 2011). In November 2008, Secretary of the Treasury Henry Paulson demonstrated that animating the market for shopper credit would be a significant need in the subsequent designation. December 2008, President Bush utilized official power to announce that assets from the TARP program be spent any path Secretary of Treasury Henry Paulson esteemed important to facilitate the money related weight. Mid January 2009, Paulson gave transitory principles for revealing and record holding prerequisites under the official remuneration guidelines of the Capital Purchase Program. Paulson additionally reported another arrangement of rules revealing irreconcilable situations with TARP contracts. The Senate acknowledged the progressions to TARP that controlled firms from paying out rewards with TARP subsidizing. Christopher Dodd of Connecticut proposed this correction to the monetary improvement act. Fannie Mae and Freddie Mac was nationalized by the Federal Reserve and Treasury office, the world’s biggest insurance agency, AIG, was rescued. This by itself stretched out the protection store to $3. 4 trillion dollars in currency showcase assets for the legislature. Levinson, 2009) Then Paulson set out for the biggest government spare in history by purchasing out $700 billion dollars of polluted protections from upset banks. In Paulson’s unique 3 page plan, Wall Street would have had uncontrolled access to open incomes at next to no cost (Levinson, 2009). The first form was dismissed by the House and afterward changed by the Senate (Levinson, 2009). Banks that were not in urgent need could make advances and gracefully liquidity was to get TARP subsidizing. OneUnited Bank didn't meet the prerequisite to get the TARP reserves. The bank was in a tough situation monetarily however was engaged with two significant officials: Congressman Barney Frank from Massachusetts and Congresswoman Maxine Waters from California. These two served on the House Financial Service Committee as director and the third most noteworthy Democrat in rank separately. Waters spouse at one point was an executive at the bank. Waters had made speculations with the bank and her better half had claimed stock in the firm (Schmidt, 2009). Waters called the Treasury Department for the benefit of OneUnited and the bank got $ 12 million in assets from TARP. This was made conceivable by an exceptional arrangement composed into the bailout. Money Street Journal columnist Susan Schmidt clarified, An arrangement intended to help OneUnited was composed into the government bailout enactment by Mr. Straight to the point, who is administrator of the money related administrations board. Mr. Forthright said he embedded the arrangement to help the main African-American claimed bank in his home state (Schmidt 2009). The American money related framework had changed in the course of the most recent decade. Money Street, an autonomous speculation bank that depended on high influence, is no more. Lehman Brothers Holdings Inc, what used to be the fourth biggest speculation bank in the United States has failed. On September 15, 2008 Lehman Brothers documented Chapter 11. This was brought about by a monstrous exit of an enormous bit of its customers, significant misfortune in stock, and deterioration of advantages by FICO assessment organizations. Barclay consented to buy Lehman’s North American banking and exchanging divisions, alongside the central station working in New York. All other Lehman Brothers franchise’s was purchased out also by Nomura Holdings (Levinson, 2009). A car team was framed by President Obama that was led by Treasury Secretary Tim Geithner and Larry Summers. Individuals from this recently made team included: Secretaries of Transportation, Commerce, Labor, Energy, the chief of the Office of Management and Budget, the head of the EPA, the executive of the White House Office of Energy and Climate Change and ultimately the seat of the Council of Economic Advisors. Stephen Rattner was chosen to head the group (Shepardson and Trowbridge, 2009). Chrysler and GM were told to submit plans of rebuilding to the gathering for endorsement. Rattner perceived the inconvenience of the undertaking and furthermore that his group was unpracticed in the vehicle business. He stated, â€Å"We’ve took in a great deal about how vehicle vendors work, and how organizations get paid when they offer a vehicle to a seller, and why there are a sure number of sellers more than are optimal† (qtd. in King and Stoll 2009). Obama appeared to be satisfied with the advancement the gathering he made was making. In a radio meeting Obama scrutinized Bush and his activities however commended his own endeavors. Obama made reference to not simply composing GM and Chrysler an unlimited free pass yet considering these organizations responsible for the assets they got. The team had dismissed the underlying arrangement that Chrysler had submitted however acknowledged its overhauled arrangement. Chrysler documented Chapter 11 and as a condition shut 789 of its vendors. A rundown of sellers that was liable to conclusion was conveyed to all vendors with an informing expressing: â€Å"With lament, this letter is to educate you that on May 14, 2009, we are documenting a movement in liquidation court dismissing the Sales and Service Agreement (s) between Chrysler Motors LLC and the businesses recorded above† (qtd. n Valdez-Dapena 2009). Organization authorities understood that the choice to close businesses, specifically those with establishments, was troublesome yet required. The bad habit seat said at the time it was the most troublesome choice in business that he had ever constructed. The st andards used to figure out which vendors was to be shut was rarely clarified. The procedure was assume to be a component of the numbers, information driven network surveyed with various key measurements is the phrasing utilized by Steven Landry, official VP (Shepardson and Trowbridge 2009). Businesses claimed by McLarty-Landers-Johnson were not shut despite the fact that they didn't meet Chrysler’s execution information. Robert Johnson, previous proprietor of Black Entertainment Television, is one of the organizations proprietors and a significant supporter of the Democratic Party. Mack McLarty, a previous associate to Bill Clinton, is another proprietor. After this was brought to the open eye, allegations were being made that vendors claimed by people with connections to the Republican Party was turning out to be targets and would be shut (Shepardson and Trowbridge 2009). The Treasury Department offered expressions that the central government had not assumed a job in which vendors were set for conclusion. Chrysler authorities made case that it turned out to be certain that there was no knowledge in shutting twenty five percent of its sellers and that it truly was not their choice. Authorities made reference that they were feeling the squeeze from the Obama team (Shepardson and Trowbridge 2009). It is notable that most everything gives up to pressure or political strain to be progressively explicit. Departments and organizations are no exemption. Instances of such acquiescence have been seen in IRS reviews and requirement action, the Federal Emergency Management Agency, the Environmental Protection Agency and by antitrust specialists. The prominent impact of legislative issues goes back to the Vietnam War (Couch, 2011). â€Å"Public-decision hypothesis states that legislators are spurred by a longing for re-appointment and that this craving shapes which strategies are sought after and how they are executed (Couch, 2011). Because of this longing to satisfy voters, legislative approach objectives are confused. Their motivation isn't to discover an answer however rather to assemble a discussion where to base their next winning political decision. Different instances of political weight incorporate things, for example, Obama’s vehicle team, and administrative branches. â€Å"In short, governmental issues bests economics† (Couch, 2011). An examination of the Chrysler v endor shutting was accomplished for the level of votes cast for Obama in each state. Discretionary votes at state level and the quantity of congress people in the House of Representatives for the businesses locale was utilized as extra measures for political impact (Couch, 2011). Likewise figured are the individual vendor attributes, similar to benefit and level of client support. In the event that a vendor was situated in a profoundly discouraged territory with high joblessness rates it would more than likely be shut (Couch, 2011). At the point when the real factors had been assembled it was clear that businesses offering political help for Obama would stay open. This proof was accumulated at both state-level and business switch. This would propose that the Obama organization was something other than worried about the drawn out accomplishment of Chrysler, yet was generally worried about shielding the Obama supporters from negative outcomes (Couch, 2011). The US Treasury Department to purchase favored stock with assets from TARP inside affirmed foundations gaining a 5% profit for the administration. The arrangement was to invigorate the economy by making the correct hand side of the monetary record of the foundation be coordinated with expanded bank business advances. The organizations were being compelled by controllers to not increment or to decrease the liabilities of the benefits. The economy in the United States has improved since the TARP was utilized. The 2010 final quarter GDP had a 2. 8% development (Gabby, 2011). The monetary markets are flagging advancement in the economy: â€Å"Between March 31, 2009 and M

PSYC250 Essays - Design Of Experiments, Experiments,

PSYC250 Contextual analysis One 1. In Janet's last task, one of her thoughts uses a correlational plan. In a correlational plan, there is research included. These investigates for the most part include utilizing observational, documented, or overview techniques to test a speculation. There is in any event two factors being taken a gander at in a correlational plan, and these factors are seldom controlled. Rather, the factors are resolved if there is a connection between them. In saying a relationship, we are attempting to decide the likenesses or contrasts between the factors, and the manner in which one variable can connect or frame a relationship with another (Brehm, Kassin, and Fein, p. 36). This relationship can be estimated dependent on the course and quality. Let us call the factors X and Y. At the point when X increments and Y doesn't increment in values, we state there is no connection or connection between the two factors. On the off chance that as X expands, Y increments additionally, we can reasonably say there is a connection or connection between the two factors. The relationship is either negative or positive, contingent upon Y expanding or diminishing in esteem. On the off chance that as X builds Y expands, there is certain relationship, and if as X expands Y diminishes, there is negative connection. The quality of the connection demonstrates how solid the relationship is between the factors. The quality is determined utilizing a scientific condition, yet we won't get into that in this paper. The estimation is somewhere in the range of ?1 and +1. The more like ?1, the more grounded the relationship, and the more like +1, the more grounded the relationship. At the point when the correlational coefficient, or the number worth related with quality, is more like ?1, we state a solid negative connection. At the point when more like +1, we state a solid positive relationship. At the point when it is 0, there is no relationship (Brehm, Kassin, and Fein, pg. 36,37). It is consistently imperative to know there is no causation or circumstances and logical results in a correlational structure. In Janet's first structure, it is obviously a correlational plan being utilized. Janet uses two kinds of examination techniques, perception and self-report. She is watching the one variable, outward appearance and scoring it on a size of 1-5. Negative outward appearance gets a low number and positive outward appearance gets a high number. The poll is the subsequent variable. The individual who Janet watched would be given a survey and requested to rate their state of mind on a size of 1-10. The lower the score, the more negative the mind-set, and the higher, the more positive of a disposition. The correlational investigation Janet is attempting to decide is between the variable outward appearance and the other variable state of mind. The plan is attempting to frame a connection between outward appearance and temperament. The models of this structure is plainly correlational, as a result of the relationship attempting to be resolved between the two factors, and the way that there is no control being finished. Next, the subsequent exploration plan of Janet's uses the possibility of an exploratory structure. In an analysis, the thought is to build up circumstances and logical results between factors. The experimenter does through control and irregular task. Control implies that the experimenter has power over all techniques being finished. He/she has command over the factors, the members, and looking after consistency. Irregular task is that members have an equivalent possibility of being presented to the autonomous variable or ward variable. Additionally, members aren't picked for the states of the analysis dependent on race, sex, social attributes, or individual qualities (Brehm, Kassin, and Fein, p. 39). In a trial there are two fundamental sorts of factors, the autonomous and ward. The free factor is the variable that is causation. The IV is controlled to see the impact. The needy variable is the impact of the IV (Lecture, 1/24/00). Janet's subsequent thought is an analysis attempting to demonstrate circumstances and logical results. The reason is the Intro to Psychology understudies' state of mind and perusing sections about a memorial service or birthday celebration. The impact is their outward appearance being taped as they're perusing the sections. The outward appearance is being scored on a similar scale as in the correlational plan. The free factor is the state of mind of the Intro to Psychology understudies being estimated by their outward appearance as they're perusing the various sections. The ward

Telecommuting, aka Tele-working Research Paper Example | Topics and Well Written Essays - 2250 words

Working from home, otherwise known as Tele-working - Research Paper Example Working from home has fundamentally adjusted the customary workplaces through the presentation of telephones, PCs and different media communications instruments at off-site areas. Brilliant (2001) expressed that the development of working from home has been investigated through a few terms, for example, telecommuting, separation work, remote work, flexi work and locally established work among others. In any case, there are no reasonable definitions that exist with respect to the term working from home. A few creators have given fluctuating definitions with respect to working from home. For example Olson (1987) indicated working from home as a hierarchical work which is executed outside of the organization premises. It is enlarged by data innovation (IT). Remote workers are representatives who constantly spend around two to four days in seven days, playing out their undertakings at home. Korte and Wynne (1996) suggested that there are three components of working from home in particula r area, execution of IT and correspondence organize. In the US, working from home is alluded as teleworking while in Europe working from home is signified as separation working and off-site working. Hamilton (2002) expressed working from home as a calendar where representatives lead their work at home for a specific level of center working time. The work environment can be at home, at a remote office area or some different spots which are outside of principle office premise. Thinking about this viewpoint, it very well may be expressed that working from home is an elective strategy for work framework where representatives invest a steady measure of energy at an area other than office, basically telecommuting through utilizing PC and media transmission framework. As per Cross (2013), working from home methods performing work at an area away from working environment and afterward sending the result of the performed work through the electronic medium. The accompanying figure delineates the working from home work framework: Fig 1: Telecommuting Work System Fig 1: Cross (2013) From the above figure, it tends to be expressed that working from home for the most part supplements distinctive office based capacities. Green, Lopez, Wysocki and Kepner (2003) characterized well known terms which spread working from home as a remote work, ‘location free tasks’ and ‘home circulated information processing’ among others. Working from home is essentially preformed on a terminal which is associated by modem and phone line to centralized server PC of office. Working from home is additionally performed through PC frameworks where the contended assignments are transmitted over telecom media to the organizations’ PC offices (Green, Lopez, Wysocki and Kepner, 2003). Working from home work arrangements have a scope of techniques relying upon the necessities of representatives and associations. For example, low maintenance telecommuting grants representa tives to keep away from normal goes to the primary office, which could conceivably be advantageously reachable. Low maintenance telecommuting contains work of editors or fashioners who as often as possible proceed as outworkers. Then again, full time telecommuting permits workers to proceed as a piece of virtual groups who collect through electronic media from various areas so as to lead hierarchical errands. A case of full time telecommuting involves clinical transcriptionists who play out their undertakings at home for a set up association (Green, Lopez, Wysocki and Kepner, 2003). Current working from home advances Successful working from home requires various innovations which license representatives to productively speak with collaborators, managers and customer bases. A couple of the

Theology College Essay Example | Topics and Well Written Essays - 1000 words

Religious philosophy College - Essay Example It must, subsequently, be totally ignored as a potential choice. The beginning stage for any thought of premature birth as an answer for a risky and undesirable pregnancy must be the affirmation of God as both the provider and the taker of life. None can, and none should endeavor to usurp this job. For sure, as Bonhoeffer composed, Demolition of the incipient organism in the mother's belly is an infringement of the option to live which God has presented to this early life. To bring up the issue whether we are here concerned as of now with a person or not is simply to confound the issue. The straightforward actuality is that God surely proposed to make a person and that this incipient individual has been purposely denied of his life. Also, that is only murder.1 As a minister, be that as it may, and as quickly addressed in the previous, it need be recognize that the little youngster should get going through a time of blame, aggravated with despair. These two are likely at the core of her clear, albeit unexpressed, prejudice towards premature birth as an answer. ... Had she or her family been in a situation to manage the cost of the pregnancy and the youngster, her circumstance may not be as hazardous as it as of now seems to be. This is a reality that I can't disregard and which I should communicate thoughtful comprehension of. Feelings and individual opinions aside, be that as it may, philosophical precept can't be changed or custom fitted to suit our quick purposes however need be reliably applied and clung to, independent of conditions. Philosophical convention declares the privilege to life. As Bonhoeffer confirms, God gives before He demands.3 The suggestion is clear: the privilege to life prevails over, and goes before the obligations of life. The hatchling has an option to life and the duties partner with that life are, despite the fact that of basically significant concern, auxiliary to the insisted right. As needs be, as opposed to be affected by the monetary and social contemplations and worries that the embryo, as a real existence, will carry with him/her, the essential impact, and the determinant of any choice made regarding this case, ought to be the privilege to life. The privilege to life, the estimation of life, is an essential piece of Christian philosophical convention and is certified through Soteriology, Christ's Physical Resurrection, and Ecclesiastology. The salvic motivation behind Christ's passing is a confirmation of life and the privilege to life; the Christ's Physical Resurrection is a demonstration of the unceasing idea of life, from one perspective, and to the worth which Christianity puts on substantial life; the lessons of the Church, those being the educating of Jesus Christ and, the Church's strategic, being the attestation of Christ's lessons and

Data collection are concerned that this practice violates the privacy Essay

Information assortment are worried that this training damages the security of people - Essay Example It is hence because of this reality that this investigation is planned for breaking down whether it is ethically reasonable for information organizations to gather and sell data from people’s open internet based life profiles . As indicated by Solove (2011), information and insights have become basic piece of hierarchical development. Because of expanded market rivalry over the world, organizations and business associations are consistently conveying exploration and gathering information on how they ought to improve nature of items or administrations which they offer. In any case, the procedure of information assortment is presently getting pricey. Accordingly, individuals are searching for modest elective methods through which they can get information so they can improve nature of their merchandise or administrations. There are numerous guidelines and guidelines that oversee information assortment. Methods for information or data assortment should be moral and satisfactory by all gatherings included. Contingent upon the methods, and terms and conditions used to gather data, information assortment organizations are permitted to sell data or information which they have gained legitimately with consent of all gatherings included (Jinbonet 2013). ... As indicated by rules and guidelines administering exploration and information assortment, all members or individuals being examined should know about the point of the investigation, move of data gathered and the greatest number or individuals or gatherings who will see. This will empower them to acknowledge or decrease, and even to pick the sort of data they should offer or not. Notwithstanding, when an individual is making a profile via web-based networking media, he/she constrains individuals who can view and read the data gave. It is along these lines, corrupt, illicit and illegal for information gathering organizations to gather and sell data from people’s open online networking profiles without their mindfulness. Whether or not data gathered from online life profiles will have constructive or adverse effects on the organizations which get it, it is ethically inadmissible for information organizations to gather and sell data from people’s open internet based life p rofiles. This isn't simply because it influences their security yet additionally on the grounds that it is similarly to taking simply like on account of NASSCOM (A Big Brother 2013). With present day innovative headways, organizations which purchase information from information assortment organizations can utilize this data to extortion individuals whose data was gathered it (Jinbonet 2013). There have been numerous situations where individuals have lost a large number of cash and properties through online misrepresentation. This is on the grounds that the data gathered from profiles can be utilized to obtain credits or different issues that will leave numerous individuals with misfortunes. A Big Brother (2013) states that in any case, it is ethically passable for information organizations to gather and sell data from people’s open internet based life profiles given that they have counseled

Phosphatidylserine Benefits, Side Effects, Dosage, and Interactions

Phosphatidylserine Benefits, Side Effects, Dosage, and Interactions Holistic Health Print The Health Benefits of Phosphatidylserine This supplement is said to improve memory By Cathy Wong Medically reviewed by Medically reviewed by Caitilin Kelly, MD on November 26, 2019 Caitilin Kelly, MD, is a clinical physician at  Indiana University  Health Bloomington Hospital and is board-certified in internal medicine. Learn about our Medical Review Board Caitilin Kelly, MD Updated on February 03, 2020 More in Self-Improvement Holistic Health Happiness Meditation Stress Management Spirituality Inspiration Brain Health Technology Relationships View All In This Article Table of Contents Expand Health Benefits Possible Side Effects Dosage and Preparation What to Look For View All Back To Top Phosphatidylserine is a fatty substance produced in the body that covers and protects every cell in the body, and is involved in the clotting function of the body. Its particularly vital for the proper functioning of nerve cells within the brain, helping to transmit messages between them. As an essential component of healthy nerve cell membranes, phosphatidylserine is thought to have a key role in keeping your memory sharp as you get older. Studies in animals suggest that levels decline with age.?? Phosphatidylserine is found naturally in certain foods and is also sold in dietary supplement form. Phosphatidylserine supplements are touted as a natural  remedy for a variety of health conditions, including: Attention deficit-hyperactivity disorder (ADHD)Alzheimers diseaseAnxietyDepressionMultiple sclerosisStress In addition, phosphatidylserine supplements are purported to preserve  memory, promote healthy  sleep, improve  mood, and enhance  exercise performance. Verywell / Gary Ferster Health Benefits A handful of studies have explored the health effects of phosphatidylserine supplements, however, most of the studies are small and dated. Heres a look at some key findings: Exercise Capacity and Muscle Soreness Phosphatidylserine supplements may help boost exercise capacity and improve athletic performance, according to a 2006 report published in Sports Medicine.?? In their analysis of the available research on the use of phosphatidylserine supplements among people who exercised, the reports authors also found that phosphatidylserine may help decrease muscle soreness and protect against the increase in levels of cortisol, a stress hormone that often occurs as a result of overtraining. Memory Phosphatidylserine is often taken to try to slow age-related memory loss. In a 2010 study published in the Journal of Clinical Biochemistry and Nutrition, 78 elderly people with mild cognitive impairment were assigned to six months of treatment with phosphatidylserine supplements or a placebo.?? In tests performed at the end of the six-month period, participants with relatively low memory scores at the start of the study were found to have experienced a significant improvement in memory. Depression Phosphatidylserine is thought to play a role in helping to regulate mood. In a  2015 study published in Mental Illness, for instance, people over the age of 65 with major depression took a supplement containing phosphatidylserine and the omega-3 fatty acids DHA and EPA three times daily for 12 weeks.?? At the studys end, scores on a depression scale had improved. More research is needed from large-scale, well-designed clinical studies before phosphatidylserine (or DHA) can be recommended. ADHD Using phosphatidylserine in combination with omega-3 fatty acids may aid in the treatment of ADHD in children, suggests a 2012 study published in European Psychiatry.??? For the study, 200 children with ADHD were assigned to 15 weeks of treatment with either a placebo or a supplement containing phosphatidylserine and omega-3 fatty acids. Study results revealed that participants treated with the combination of phosphatidylserine and omega-3 fatty acids experienced a significantly greater reduction in hyperactive/impulsive behavior and a greater improvement in mood compared to those given the placebo. Another study published in 2014 compared phosphatidylserine to placebo in children who had been diagnosed with ADHD.?? After two months, the treatment group showed significant improvement in auditory memory, inattention and impulsivity. This was a small study involving only 36 children. More and larger studies need to be performed to further assess safety and efficacy. Possible Side Effects Phosphatidylserine may trigger a number of side effects, including insomnia, gas, and stomach upset.?? Phosphatidylserine may have a blood-thinning effect. If youre taking blood-thinning medication like Coumadin (warfarin) or anti-inflammatory medication or have blood-clotting problems, you should speak with your doctor before taking phosphatidylserine. It shouldnt be taken within two weeks of scheduled surgery. It may also interact with medications used to treat glaucoma, Alzheimers disease, antihistamines, and antidepressants. Because additional potential interactions with many medications have not been tested, it is advisable to ask your doctor before using phosphatidylserine. Supplements havent been tested for safety and due to the fact that dietary supplements are largely unregulated, the content of some products may differ from whats specified on the product label. Also keep in mind that the safety of supplements in  pregnant women, nursing mothers, children, and those with medical conditions or who are taking medications has not been established. Dosage and Preparation A 2015 review article noted that 300 milligrams to 800 milligrams a day of phosphatidylserine are absorbed efficiently in humans, and according to the Natural Medicine Comprehensive Database, therapeutic doses for a failing memory is 100 milligrams taken two or three times per day.?? You can boost your intake of phosphatidylserine though foodâ€"its available in a number of foods, including soy (which is the main source), white beans, egg yolks, chicken liver, and beef liver. Unfortunately, its difficult for your body to absorb sufficient amounts from dietary sources. What to Look For Keep in mind that most of the phosphatidylserine used in studies was derived from the brain cells of cows. Because of safety concerns about mad cow disease, most supplements are now produced from soy or cabbage. Preliminary studies have shown that plant-based phosphatidylserine supplements may also offer benefits (for instance, the 2010  study on memory used soy-based phosphatidylserine), but more research is needed.?? However, phosphatidylserine doesnt seem to be a current focus of research, suggesting its limited effect. A Word From Verywell Although small studies have shown some benefits, theres a lack of  high-quality human research to support the many claims for phosphatidylserine. It may be wise to stick with other methods until more is known. To maintain your memory and brain functioning, try adding exercise, mental activity, and these foods to your diet. Research suggests that physical activity can increase the size of areas of the brain (like the hippocampus) that are important for memory. Mindfulness meditation has also been shown to affect these areas. If youre still thinking of trying phosphatidylserine, be sure to consult your primary care provider first and avoid self-treating and avoiding or delaying standard care.

2014 Ten-year Top Performing Direct Plans Q2

Savingforcollege.com ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year, five-year and ten-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking. This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you. Here are our 529 performance rankings as of June 30, 2014 for Direct-sold 529 plans. Ten-year performance ranking (click here for one-year performance table, three-year performance table, and five-year performance table,) : Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 22.72 2 Utah Utah Educational Savings Plan (UESP) 23.64 Plan Details 3 Alaska University of Alaska College Savings Plan 23.81 4 Louisiana START Saving Program 36.24 Plan Details 5 New York New York's 529 College Savings Program -- Direct Plan 36.35 6 Kansas Schwab 529 College Savings Plan 37.55 Plan Details 7 Nevada USAA 529 College Savings Plan 38.16 Plan Details 8 Maryland College Savings Plans of Maryland -- College Investment Plan 40.24 Plan Details 9 Nevada The Vanguard 529 Savings Plan 40.96 Plan Details 10 Virginia Virginia529 inVEST 42.23 Enroll Now 11 Minnesota Minnesota College Savings Plan 45.83 Plan Details 12 New Jersey NJBEST 529 College Savings Plan 45.86 13 Iowa College Savings Iowa 46.53 Enroll Now 14 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 47.93 Enroll Now 15 Florida Florida 529 Savings Plan 49.77 Plan Details 16 West Virginia SMART529 WV Direct College Savings Plan 52.73 Plan Details 17 Oklahoma Oklahoma College Savings Plan 52.95 Plan Details 18 District of Columbia DC 529 College Savings Program (Direct-sold) 57.53 Enroll Now 19 South Dakota CollegeAccess 529 (Direct-sold) 60.08 Plan Details 20 Kentucky Kentucky Education Savings Plan Trust 60.12 Plan Details 21 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 73.52 Enroll Now 22 Delaware Delaware College Investment Plan 83.19 Enroll Now 23 New Hampshire UNIQUE College Investing Plan 83.92 Enroll Now 24 Massachusetts U.Fund College Investing Plan 84.08 Enroll Now - Alabama CollegeCounts 529 Fund NA Enroll Now - Arizona Fidelity Arizona College Savings Plan NA Enroll Now - Arkansas GIFT College Investing Plan NA Plan Details - California The ScholarShare College Savings Plan NA Plan Details - Colorado Direct Portfolio College Savings Plan NA Enroll Now - Connecticut Connecticut Higher Education Trust (CHET) NA Plan Details - Georgia Path2College 529 Plan NA Enroll Now - Hawaii Hawaii's College Savings Program NA Enroll Now - Idaho Idaho College Savings Program (IDeal) NA Enroll Now - Illinois Bright Start College Savings Program -- Direct-sold Plan NA Enroll Now - Indiana CollegeChoice 529 Direct Savings Plan NA Enroll Now - Kansas Learning Quest 529 Education Savings Program (Direct-sold) NA Plan Details - Maine NextGen College Investing Plan -- Client Direct Series NA Enroll Now - Michigan Michigan Education Savings Program NA Plan Details - Mississippi Mississippi Affordable College Savings (MACS) Program NA Plan Details - Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) NA - Montana Montana Family Education Savings Program -- Investment Plan NA Plan Details - Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA Enroll Now - Nebraska TD Ameritrade 529 College Savings Plan NA Plan Details - Nevada SSgA Upromise 529 Plan NA Plan Details - New Mexico The Education Plan's College Savings Program NA Enroll Now - North Carolina National College Savings Program NA Enroll Now - North Dakota College SAVE NA Enroll Now - Ohio Ohio CollegeAdvantage 529 Savings Plan NA Enroll Now - Oregon Oregon College Savings Plan NA Plan Details - Pennsylvania Pennsylvania 529 Investment Plan NA Plan Details - Tennessee TNStars College Savings 529 Program NA Plan Details - Texas Texas College Savings Plan NA Enroll Now - Vermont Vermont Higher Education Investment Plan NA Plan Details - West Virginia SMART529 Select NA Plan Details - Wisconsin Edvest NA Plan Details NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model. The Savingforcollege.com plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers, please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Saving For College, LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For broker-sold plan rankings, click here. Savingforcollege.com ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year, five-year and ten-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking. This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you. Here are our 529 performance rankings as of June 30, 2014 for Direct-sold 529 plans. Ten-year performance ranking (click here for one-year performance table, three-year performance table, and five-year performance table,) : Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 22.72 2 Utah Utah Educational Savings Plan (UESP) 23.64 Plan Details 3 Alaska University of Alaska College Savings Plan 23.81 4 Louisiana START Saving Program 36.24 Plan Details 5 New York New York's 529 College Savings Program -- Direct Plan 36.35 6 Kansas Schwab 529 College Savings Plan 37.55 Plan Details 7 Nevada USAA 529 College Savings Plan 38.16 Plan Details 8 Maryland College Savings Plans of Maryland -- College Investment Plan 40.24 Plan Details 9 Nevada The Vanguard 529 Savings Plan 40.96 Plan Details 10 Virginia Virginia529 inVEST 42.23 Enroll Now 11 Minnesota Minnesota College Savings Plan 45.83 Plan Details 12 New Jersey NJBEST 529 College Savings Plan 45.86 13 Iowa College Savings Iowa 46.53 Enroll Now 14 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 47.93 Enroll Now 15 Florida Florida 529 Savings Plan 49.77 Plan Details 16 West Virginia SMART529 WV Direct College Savings Plan 52.73 Plan Details 17 Oklahoma Oklahoma College Savings Plan 52.95 Plan Details 18 District of Columbia DC 529 College Savings Program (Direct-sold) 57.53 Enroll Now 19 South Dakota CollegeAccess 529 (Direct-sold) 60.08 Plan Details 20 Kentucky Kentucky Education Savings Plan Trust 60.12 Plan Details 21 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 73.52 Enroll Now 22 Delaware Delaware College Investment Plan 83.19 Enroll Now 23 New Hampshire UNIQUE College Investing Plan 83.92 Enroll Now 24 Massachusetts U.Fund College Investing Plan 84.08 Enroll Now - Alabama CollegeCounts 529 Fund NA Enroll Now - Arizona Fidelity Arizona College Savings Plan NA Enroll Now - Arkansas GIFT College Investing Plan NA Plan Details - California The ScholarShare College Savings Plan NA Plan Details - Colorado Direct Portfolio College Savings Plan NA Enroll Now - Connecticut Connecticut Higher Education Trust (CHET) NA Plan Details - Georgia Path2College 529 Plan NA Enroll Now - Hawaii Hawaii's College Savings Program NA Enroll Now - Idaho Idaho College Savings Program (IDeal) NA Enroll Now - Illinois Bright Start College Savings Program -- Direct-sold Plan NA Enroll Now - Indiana CollegeChoice 529 Direct Savings Plan NA Enroll Now - Kansas Learning Quest 529 Education Savings Program (Direct-sold) NA Plan Details - Maine NextGen College Investing Plan -- Client Direct Series NA Enroll Now - Michigan Michigan Education Savings Program NA Plan Details - Mississippi Mississippi Affordable College Savings (MACS) Program NA Plan Details - Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) NA - Montana Montana Family Education Savings Program -- Investment Plan NA Plan Details - Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA Enroll Now - Nebraska TD Ameritrade 529 College Savings Plan NA Plan Details - Nevada SSgA Upromise 529 Plan NA Plan Details - New Mexico The Education Plan's College Savings Program NA Enroll Now - North Carolina National College Savings Program NA Enroll Now - North Dakota College SAVE NA Enroll Now - Ohio Ohio CollegeAdvantage 529 Savings Plan NA Enroll Now - Oregon Oregon College Savings Plan NA Plan Details - Pennsylvania Pennsylvania 529 Investment Plan NA Plan Details - Tennessee TNStars College Savings 529 Program NA Plan Details - Texas Texas College Savings Plan NA Enroll Now - Vermont Vermont Higher Education Investment Plan NA Plan Details - West Virginia SMART529 Select NA Plan Details - Wisconsin Edvest NA Plan Details NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model. The Savingforcollege.com plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers, please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Saving For College, LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For broker-sold plan rankings, click here.

Drug Abuse - 1279 Words

The use of and abuse of illegal and prescription drugs are a health, social, and law enforcement problem that is affecting Americans across the country. Drug abuse is destroying the lives of many teens and adults and is also destroying families in the United States. The use of drugs is a major problem in the United States among all Americans, but drug addiction is the main cause for America s troubled teens today. Exactly what is a drug? A drug is any chemical that produces a therapeutic or non-therapeutic effect in the body. Millions of people are abusing many different types of drugs today that are affecting the way the body functions. There are abused substances, which are prescription and over-the-counter medicines that prevent and†¦show more content†¦During the ages of 12 and 18 it is common to experiment with drugs and alcohol, but most teens do not realize what experimenting with drugs and alcohol can lead to in the future. There are some teens that will experiment w ith drugs and stop, or continue to use occasionally, without major problems. Others will become addicted and move on to more dangerous drugs, which will then cause to other social problems. Teens use drugs today for many reasons, including curiosity, because it feels good, to reduce stress, to feel grown up or to fit in. There is no definite way to tell who will be able to stop using drugs and who may develop serious problems and become an abuser, but there is some factors to consider in who is at risk. Teenagers at risk for developing serious alcohol and drug problems include those with a family history of substance abuse, who are depressed, who have low self-esteem, and who feel like they do not fit in or are outcasts. In America, drug use is most common among the young people age sixteen to seventeen (19.2 percent) and eighteen to twenty (17.3 percent). This is a serious problem and if the parents and families do not reach out to these teens the percentage of drug abuse and crime will only increase. Drug use among teenagers is connected with so many negative consequences. These negative consequences include increased risk of serious drug use later in life, school failure, poor judgment which may put teens at risk forShow MoreRelatedDrug Of Drug And Drug Abuse1538 Words   |  7 PagesDrug Resistance Drug use has become an increasing problem among high schoolers and teenagers around the same age. Ever since the drug war of the 1900s, drugs have been a major problem in today’s society. â€Å"Use of drugs such as opium, morphine, and other byproducts were common in twentieth century America† (Dobkin, 1998). While most students in standard high school drug education know about the use of coca leaves in Coca-Cola and the opium trade in China, drug addiction during the century is muchRead MoreDrug Abuse8640 Words   |  35 Pagesreport on ‘drug abuse’ has been made by our group to give an idea of the calamitous cause of using drugs in improper way. The report is intended to serve the purpose of providing the knowledge about drug abuse and to suggest ways to help limit drug abuse. An effort has been made on our part to include certain symptoms which indicate drug abuse. Also throughout the report, repetitive use of the drug abuse’ has been made to ins tate into the minds of the reader the cause of using drug abuse in an illicitRead MoreDrug Abuse And Addiction : Drugs977 Words   |  4 PagesDrug abuse/addiction Jeremy Graham May 11, 2015 Period, 5 Drug abuse and addiction Drug abuse/addiction is a major problem in Indiana that affects many individual. Several solutions such as rehab and drug classes have been tried. Yet, the best solution is taking drug classes. Many people do not understand why people become addicted to drugs or how drugs change the brain to foster compulsive drug abuse. They mistakenly view drug abuse and addiction as strictly a socialRead MoreDrug Abuse2895 Words   |  12 PagesDay against Drug Abuse and Illicit Trafficking every year. It is an exercise undertaken by the world community to sensitize the people in general and the youth in particular, to the menace of drugs. The picture is grim if the world statistics on the drugs scenario is taken into account. With a turnover of around $500 billions, it is the third largest business in the world, next to petroleum and arms trade. About 190 million people all over the world consume one drug or the other. Drug addiction causesRead MoreDrug Abuse and Prevention1510 Words   |  7 Pagesidea of prevention is to limit the availability of drugs (Hart Ksir, 2011, p. 400), but this is not essentially the best way. Addiction affects everyone. According to the National Inst itute on Drug Abuse (NIDA), substance abuse cost our nation â€Å"more than $484 billion dollars (The National Institute on Drug Abuse ).† So although you might not be directly impacted by drug abuse, as a whole your tax dollars are spent on fighting the war on drugs. Currently there are several different types of substanceRead MoreDrug Abuse On The Workplace Essay1704 Words   |  7 PagesDrug Abuse in the Workplace: The human resource topic I chose to write my research paper on is â€Å"Drug Abuse in the Workplace†. Drug abuse in the workplace is something very common that many of us will encounter at some point. Alcohol and drug abuse has a major effect on employee absence and lost productively that leaves a negative working environment. It is important a company addresses the right guidelines to keep a drug free workplace. Establishing a clear and fair substanceRead MoreDrug Abuse And Substance Abuse1658 Words   |  7 PagesThe National Institute on Drug Abuse (NIDA) defines drug abuse as, â€Å" It becomes drug abuse when people use illegal drugs or use legal drugs inappropriately.† This may include; the repeated uses of drugs to produce pleasure, alleviates stress, and/or alters or avoids reality. The perception of addiction and substance abuse has been widely known for many years, but the medical community has failed to accept and publicly this issue among it own members . Drug abuse by nurses is prevalent in today societyRead MoreInjectable Drug Abuse1488 Words   |  6 PagesMEMORANDUM INJECTABLE DRUG ABUSE: GROWING CHALLENGE IN NORTH-EASTERN PART OF INDIA FROM: AE28697 TO: Ministry of development of north east affairs, India RE: Scenario C-Health and harm reduction DATE: 19 October 2013 Introduction North-east (NE) India is connected to remaining part of India through a constricted passage known as Siliguri Corridor squeezed between Nepal and Bangladesh (Hussain, 2011). It comprises of seven sister states of Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, NagalandRead MorePrescription Drug Abuse And Prescription Drugs1487 Words   |  6 PagesPrescription Drug Abuse Prescription Drug Abuse has increased in an alarming rate over recent years! Prescription drug related deaths now outnumber those from heroin and cocaine combined. The abuse in prescription drugs in America goes back more than a hundred years ago. Prescription drug abuse is the use of a medication without a prescription, in a way other than prescribed, or for the experience or feelings elicited. Although prescription medications are intended to help individuals, they canRead MoreThe Drug Of Drug Abuse1143 Words   |  5 PagesAmerica has been fighting drug abuse for over a century. Four Presidents have waged a â€Å"War on Drugs† and unfortunately, this war continues to be lost at an alarming magnitude. Drug abusers continue to fill our courts, hospitals, and prisons. The drug trade causes violent crime that ravages our neighborhoods. Children of drug abusers are neglected, abused, and even abandoned. The current methods of dealing with this issue are not working. Our societ y needs to implement new and effective laws and programs

How to Write 5 Paragraphs Essay

How to Write 5 Paragraphs Essay Five-paragraph essay is one of the classic formats for compositions. Of course, it is not the only model for creating an essay, but it is rather useful one, especially for the beginners. First of all, any classical essay will contain introduction, body text and conclusion. For five-paragraph essay the body text will consist of three paragraphs. Lets see, how to distribute your thoughts to make your essay interesting and effective. Introductory paragraph. The introduction should contain some kind of thesis statement, outlining the paper and explaining what your essay is about. You need to grab readers attention, so the last sentence of your introduction should catch reader and move him to the body text. Main text: First paragraph. The first paragraph should bring the strongest argument, the brightest illustration and the most significant example. The topic for this paragraph must be in the first or second sentence. And it should be related to the thesis in the introductory paragraph. Last sentence should in smooth way transfer reader to the second paragraph. Main text: Second paragraph. Here you bring the second strong argument, second strong illustration and the second significant example. The topic of this paragraph also should be related to the thesis statement from the introduction. Main text: Third paragraph. In this part of your paper you bring the weakest argument, example and illustration. Surely, the topic of this paragraph must be connected to the thesis. The last sentence should demonstrate that the reader is approaching the final point of the paper. Concluding paragraph. This part of your work should contain the following: restatement of the thesis by different words (but not the duplicate the thesis), summary of the key points from three main text paragraphs and the final statement (in a persuasive paper it can be a call for action). If you arrange your essay in accordance with this structure, you are sure to receive a professional and easy-to-read piece of writing.

Essay on Christianity and Islam - 2205 Words

The term ‘Religion’ can be defined in a number of ways, thus there is no one definitive way to describe the term. Religion is thus â€Å"any specific system of belief about a deity, often involving rituals, a code of ethics, and a philosophy of life.† The world’s population, about 6.5 billion people are related in one way or another to specific geo- political and socio-cultural aspects that bind them together. There are a number of religions in the world today with the five largest in terms of population representation being: - Confucianism, Buddhism, Hinduism, Christianity and Islam. Each having evolved in its own unique way, some remaining whole while others split into different factions due to a number of reasons with examples being†¦show more content†¦Muslims believe that Allah is one and incomparable and that the purpose of their existence is to love and serve Him. Muslims believe that Islam is the ‘complete and universal version of an ancient faith that was revealed many times before; including through Abraham, Moses, and Jesus among others who are all considered prophets in the religion.’ Muslims maintain that the revelations and messages of previous times have all been partially corrupted or changed over time, but they consider the Qur’an to be ‘both the final and unaltered revelation of God.’ Religious practices and concepts include the five pillars of Islam (that are obligatory acts and basic concepts of worship), following the Islamic Law (that touches on all aspects of society and life), providing guidance on a myriad of issues concerning welfare, the environment, banking and warfare. The Sunni form majority of the Muslim population, accounting for almost 75% of the whole, while the Shia accounts for the other remaining 25% of the population. Indonesia hosts about 13% of the Muslim population thus making it the largest Muslim country. It was founded in the year 622 CE, by the prophet Muhammad, with the religion starting in Mecca. This happened when the angel Gabriel read the first revelation to Muhammad. He is regarded as the restorer of the uncorrupted original monotheistic faith of past prophets such as Adam, Moses, Abraham, Jesus andShow MoreRelatedIslam And Christianity : Christianity And Islam1684 Words   |  7 PagesProfessor Slattery World Religions November 11, 2014 Islam and Christianity There are 7 billion people living all around the world. Everybody has grown up enriched in different cultures, beliefs, traditions, and social standings. Each person, with their own developed views of the world, following a religion such as Christianity and Islam or specifically choosing not to follow a religion, even have many similarities. Christianity and Islam, both, follow by a sacred book of their God’s word althoughRead MoreChristianity And Islam : Islam1317 Words   |  6 PagesChristianity and Islam in Premodern Africa Christianity and Islam date back to a time long before the modern era and both have sizable similarities between the two religions. Many of these similarities can be simplified into three subjects; both have books comprised of holy texts written about events taking place during their prophet’s life, both are believed to have started with God appointed leaders, and both consist of different divisions within their religion. Christianity starting with theRead MoreChristianity And Islam : Islam937 Words   |  4 Pagesâ€Å"CHRISTIANITY AND ISLAM.† Christianity and Islam are the two largest religions in the world, with over 2 billion Christian, and 1.5 billion Muslim followers. Christianity was founded by Jesus Christ approximately 2000 years ago in Palestine. Bible is collection of 66 books containing a message from God. The Muslim name for God is Allah. Islam is based on revelations received by the prophet Mohammad and originated in Mecca, Saudi Arabia. Quran, is the Islamic sacred text. Both are monotheisticRead MoreIslam, Christianity, And Islam1945 Words   |  8 Pagesexponentially is Islam. Islam is one of the fastest growing religions in the world and is estimated to grow in the years to come. With Islam spreading across the world and many people converting, this will have an effect on the religion itself; the teachings will be shaped by the cultures and ethnicities of the area. Thus, Islam will differ from country to country. Not only that, with Islam spreading it has caused some controversies. Since a lot of people do not understand Islam, it is often confusedRead MoreIslam : Christianity And Islam Essay1919 Words   |  8 PagesIslam is one of the second largest religions in the world with Christianity as the first (Catholicism being the largest denomination). A report from the Vatican, in 2008, stated that 19 percent of the world’s population is made up of Islam, while Catholics make up only 17.4 percent of world’s population. Both Catholicism and Islam have branched off Judaism and share many similarities such as the idea of life after death. Just like Catholicism, Islam is a monotheistic religion which means that theyRead MoreChristianity and Islam763 Words   |  4 Pagescenturies, there is not an exact number of how many religions exist, but it is closely estimated to be over 4,200. Christianity and Islam are the two largest religions in the world and though they have many similarities, they also have vast differences. Unfortunately it is hard to say or believe if they will ever reconcile because of their differences. Inherited from Judaism, Islam and Christianity are beliefs that believe that God created the world and cares about the behavior and beliefs of human beingsRead MoreComparing Islam And Christianity And Islam1731 Words   |  7 Pagesthat will be different due to preconceptions and fundamental beliefs. Comparing and contrasting Islam and Christianity, is a wonderful example of these differences based on fundamental beliefs. This concept is explored in the rest of this work through critically accessing Chr istian and Muslim views on the question of origin, identity, meaning and purpose, morality, and destiny. Islam and Christianity are in agreement that the origin of both living things and man were created by God himself. TheRead MoreJudaism, Christianity, And Islam992 Words   |  4 PagesJudaism, Christianity and Islam are three of the most recognized monotheistic religions worldwide. These religions are often referred to as the Abrahamic religions because of their history to the founding father, Abraham. Judaism, Christianity and Islam are closely related with varying differences. Christianity was born from within the Jewish tradition, and Islam developed from both Christianity and Judaism. We take a look at some of the major similarities and major differences of these widely practicedRead MoreChristianity vs Islam1485 Words   |  6 Pagesthe surface, Islam and Christianity appear to have very little in common, however, as you get deeper into areas such as rituals, beliefs, ethics, founders, and sacred objects, the two show strong mutual similarities, particularly in the fundamenta l areas. In this essay I will compare and contrast the doctrines that make up the worlds largest and most recognized religions, Christianity and Islam. The word Islam means surrenderRead MoreJudaism, Christianity, And Islam1052 Words   |  5 PagesAubrey Fletcher 3/9/15 Humanities Professor Michaud 417868 Judaism, Christianity, and Islam There are roughly 4,200 different religions in the world today, among them the largest are Judaism, Christianity, and Islam. These three religions are more similar then one would think. Christianity is the largest religion in the world with 2 billion followers and are called Christians. Islam is the second largest religion in the world with 1.3 billion followers. They are called Muslims, which means â€Å"one

My Philosophy of Education is Progressivism - 1372 Words

I believe the essence of education includes growth. The purpose of education is not to just fill our head with lots of information, but to discover your uniqueness and to teach us how to develop it, and to show us how to, in return, give it away. Once you learn something in life, you should be able to absorb it in a way to use it in your life and then in turn pass it on to someone else in order to contribute to their growth as well. I also believe that the essence of education includes knowledge and skills. Once you are educated on a matter you obtain knowledge and/or skill. Education is understood as the artiï ¬ cial extension of human ability to learn, as the product of learner’s own efforts (Sidorkin, 2011). My philosophy on education falls under progressivism. The theory of progressivism suggests the nature of the learner refers to how each learner learns. I believe that learners are in part unique, free choosing and responsible people whom are made up of intelle ct and emotion. A learner is anyone whom is open to learning or obtaining knowledge. A learner is one who can obtain and process information which can be used in life currently or can be later applied. Everyone has held the position of a learner even in the simplest form of the term. Learning happens at the very first stages of life; learning to eat, cry, walk, talk, and even learning to exist. Preferred instructional strategies for diverse learners. There are several forms of diversity in theShow MoreRelatedConstructivism And Progressivism Are My Philosophies Of Education962 Words   |  4 PagesConstructivism and Progressivism are my philosophies of education, I am an art teacher and working to be an art professor and therefore have a progressive attitude with constructing art. As I began learning and traveling down this path to becoming an art educator, my main goal was to inspire and help students to structure themselves on the building blocks of the arts. This however ch anged as time went on, my passion grew and so did my philosophy of education. At first glance, my philosophy was more so ofRead MoreProgressivism and Existentialism: My Beliefs Regarding the Philosophy of Education734 Words   |  3 PagesMy intended mission as a teacher is to impact students lives with effective instruction that brings out their own highest potentials through learning. Being a teacher is appealing to me because it would provide me with the opportunity to have a career where I could really make a difference in the lives of students, supporting them while they develop knowledge and integrate this knowledge with the world around them. I firmly believe that teachers have the responsibility to provide students with guidingRead More My Philosophy of Education: Combining Progressivism, Essentialism and Behaviorism826 Words   |  4 PagesMy Philosophy of Education: Combining Progressivism, Essentialism and Behaviorism Upon being faced with the task of writing my philosophy of teaching, I made many attempts to narrow the basis for my philosophy down to one or two simple ideas. However, I quickly came to the realization that my personal teaching philosophy stems from many other ideas, philosophies, and personal experiences. I then concentrated my efforts on finding the strongest points of my personal beliefs aboutRead MoreMy Personal Philosophy Of Education1476 Words   |  6 Pages871 Foundations of Higher Education Summer 2015 Instructor: Joel Abaya, PhD Personal Philosophy of Education Submitted by: Wessam Elamawy . Personal Philosophy of Education Introduction: From the very beginning of my life I recognized the importance of higher education. I am 34 years old. I am Egyptian. I was born in a highly educated family . My father earned a Ph.D. in chemistry. My uncle earned a Ph.D. in Engineering . My aunt is a doctor. My grandparents were highly educatedRead MoreEssay on History of Philosophy 1225 Words   |  5 PagesI have simply accepted education as it has been presented me, blind to fact that there was any kind of well developed philosophy behind it. After being introduced to the main educational philosophies, perennialism, essentialism, progressivism and social resconstructionism, I have had the opportunity to decide for myself which ones I believe in and why. I must agree with Thomas Locke that we are born into this world a blank slate. Living in such an affluent society, education in America is providedRead MoreEssay philosophy of education545 Words   |  3 Pages Progressivism My personal philosophy of education is most closely related to progressivism, which is a school of thought advocating that truth is determined by function. Progressivism is an educational philosophy focused on providing students with the skills and knowledge necessary not only to survive but also to succeed in a contemporary and competitive society. William James and John Dewey are accredited for developing the characteristically American philosophy of education that is progressivismRead MoreProgressivism : Progressivism For A Progressive Society1643 Words   |  7 PagesProgressivism in Education: Progressivism for a Progressive Society There are five different philosophies of education that educators can choose from. The philosophies of education are essentialism, perennialism, progressivism, social reconstructionism, and existentialism. A teachers’ philosophy of education defines how they run their classroom, maintain classroom management, and expect their students to learn. For me, I have chosen the philosophy of progressivism. Progressivism is a student centeredRead More My Philosophy of Education Essay603 Words   |  3 PagesMy Philosophy of Education There are four main schools of philosophy in education: Perennialism, Progressivism, Essentialism and Existentialism. The results of my philosophy of education module showed that I am very eclectic, with the strongest attributes being in Progressivism and Essentialism. My lowest attribute in the module was Existentialism. Let’s study each of the schools and my relation to them in the order that they were scored in my module: Progressivism, Essentialism, PerennialismRead MoreWhy I Should Be A Teacher1076 Words   |  5 Pagesimportant because not all jobs have that. I feel like in order to be a teacher I need to have compassion for My students. As a teacher, I want to care for my students and show them appreciation. I want my students to succeed in what they want in life. According to Ferlazzo (2015), â€Å"Students work hardest for teachers they like and respect. When I am asked, â€Å"How do I get students to like and respect me?† my immediate response is, â⠂¬ËœLike and respect them first.’† I believe this whole heartedly because I haveRead MoreEssay on I Want to Be Part of the Future605 Words   |  3 PagesPart of the Future I believe that education is the hope of the future, and as an educator I will be an important part of that future. Behind every president, doctor, lawyer, and parent there was a teacher. I believe that all children can learn and should be provided with the opportunity to do so. Education should be equal and without prejudice. Education should be provided to all children in accordance with their ability. Education should foster each child’s feelings of community

Medieval Medicine Free Essays

Shaan Sarode Ms. Davis English IV – Per. 3 20 October 2010 Impact of Medieval Medicine Imagine when a friend gets sick or catches a â€Å"bug†, they may have two different reactions to it. We will write a custom essay sample on Medieval Medicine or any similar topic only for you Order Now The first is the realistic approach, which re-visits their recent actions and pinpoints the cause of the symptoms. The other is the non-realistic, which tends to blame supernatural causes. People during the medieval times almost always blamed the supernatural as the cause of these diseases. There were also many limitations in the amount of scientific advancement because of the church.In modern days, we may take for granted the achievements that have been made over the centuries, but these break-troughs could not have been realized, without the foundation and work of scientists during the medieval time. Medieval medicine affected all parts of life in those times, from scientific to social, and in positive and negative ways. Medieval medicine had too many influences from the church which therefore hindered its progress. Most of the treatments and beliefs in folk medicine were mystical or magical, and had its basis in sources that were not agreed upon in the Christian faith. Remedies included spells and incantations, but later these had to be replaced with Christian prayers or devotions. The church taught that diseases or ailments were sent by God as a punishment for wrong doing, so many people resisted the explanations of illness. Therefore advancement in medicine was generally frowned upon. The main setback was that, â€Å"scholarship fell into the religious sphere, and clerics were more interested in curing the soul than the body. † (Terry 1)As sanitation and hygiene worsened with the increasing population in England and other parts of Europe, diseases were rampant. â€Å"Medieval Europe did not have an adequate health system. † (Odunsi 5) Edward the III complained to the Lord Mayor of London: â€Å"Cause the human faeces and other filth lying in the streets and lanes in the city to be removed with all speed to places far distant, so that no greater cause of mortality may arise from such smells. † (Trueman 1) Some people blamed the stench of waste to cause illnesses.Astronomers blamed the planets and their un-alignment. Everyone had their own opinions on the matter as there wasn’t any hard evidence of the actual cause. Another dilemma to the people was the matter of how the diseases spread. As most of the population consisted of farmers in those times, they had little or no, formal education. So when someone acquired a disease, they went to their local physician, which was an all-around doctor. Physicians were scarce, but seen as skilled people because of their ‘knowledge. In reality, their work was based on a very poor knowledge of the human anatomy. (Trueman 3) The affect of medical studies, cures, and its problems left society vulnerable to, in fact more diseases. As people were unaware of the causes and cures, they relied on local physicians who weren’t exactly well versed. This may in turn result in a misdiagnosis and the patient ending up more ill or dead. This dilemma pushed people to seek their own remedies. The most interesting part of medicine in the medieval times was the remedy and curing.These varied throughout society depending on your background, wealth, and religiousness. Some, more religiously bound â€Å"doctors told patients that a pilgrimage to a holy shrine to show your love of God would cure them of illnesses especially if they had some holy water sold at the place of pilgrimage. † (Truman 1) As one can see, any treatment that you thought was right could have worked better than another, as cures were based on more of a philosophical look rather than with scientific back-up.Some weird cures were to hold a candle close to your teeth to burn of the worms on the teeth. Another was to cut a hole in someone’s skull to let out bad spirits, which was supposed to cure their mental disease. All in all, medieval medicine had impacts on society, but was mainly influenced by the thinking and ideas of the time. Works Cited Odunsi, Yolonda. â€Å"Health: What was it really like to live in the middle ages? † Washington, D. C. : Annenberg Media, 1997. Web. How to cite Medieval Medicine, Papers

The Odyssey The Use Of Hubris Essay free essay sample

The Odyssey: The Use Of Hubris Essay, Research Paper # 8220 ; There is no safety in limitless hubris # 8221 ; ( McGeorge Bundy ) . The dictionary defines hubris as overbearing pride or given ; haughtiness. In The Odyssey, Homer embodies hubris into the characters Odysseus, the Suitors, and the Cyclopes. Odysseus shows hubris when he is combating the Cyclopes, the Cyclopes show hubris when covering with Odysseus, and the Suitors show it when Odysseus confronts them at his place. To get down, within the class of The Odyssey, Odysseus displays hubris through many of his actions. The most outstanding case in which Odysseus shows hubris is while he and his work forces are seeking to get away from the Cyclops Polyphemus. They drug the monster until it passes out, and so stab him with a lumber in his individual oculus. Polyphemus, now blinded, removes the mammoth bowlder barricading Odysseus # 8217 ; flight, and delaies for the work forces to travel, so he can kill them. We will write a custom essay sample on The Odyssey The Use Of Hubris Essay or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The work forces escape from the cave to their boat by binding themselves under flocks of random-access memories, so they can easy steal by. Odysseus, now proud after crushing the giant, starts to shout at Polyphemus, alternatively of doing a soundless Es ness. Odysseus’ work forces inquire him to halt before Polyphemus would â€Å"get the scope and lob a boulder† ( 436 ) . But Odysseus shows hubris by stating that if they were to run into once more, Odysseus would â€Å"take your life† and â€Å"hurl you down to hell! † ( 462 ; 463 ) . Polyphemus, now highly angry with Odysseus, prays to his male parent, Poseidon, to do Odysseus â€Å"never see his home† once more, and after which, throws a mountain towards the sound of Odysseus’ voice. ( 470 ) . Because of Odysseus’ hubris after blinding Polyphemus, Poseidon grants the supplication, and it takes Odysseus 20 old ages to return place, at the cost of the lives of all his work forces. Following, Polyphemus demonstrates hubris by believing that because he is a elephantine, he is unbeatable by anyone, even a God. This is shown when Odysseus meets Polyphemus and greets him with gifts, as it is a usage to demo courtesy to hosts and invitees likewise, ( unexpected or non ) . Failure to give gifts can take to avenge from the Gods. Odysseus tells Polyphemus # 8230 ; The remainder of the paper is available free of charge to our registered users. The enrollment procedure merely couldn # 8217 ; t be easier. Log in or registry now. It is all free!

Causes and Correlates of Adolescent Drug

Question: Discuss about the Causes and Correlates of Adolescent Drug. Answer: Introduction: Experimentation with illicit drugs and substance use is common among youth population. This is the most common reason for early onset of drugs which exposes youth to developmental harm and risk of developing mental health problems. Early onset of drug is also associated with depression, anxiety, psychosis and educational under achievement among youth population. Due to such harm and health risk to youth population, it is necessary to evaluate how far policies and programs implemented for preventing early drug onset among youths have mitigated different risk factors of drug abuse (Modesto-Lowe et al. 2008). The essay particularly evaluates the effectives of this program and preventive strategies to identify strength and weakness in approach. Based on this evaluation, it recommends possible steps to improve current strategies to delay the onset of drugs. Preventative strategies for youth drug onset: Educational programs: As there is emphasis on early intervention to reduce the cost and harm associated with early drug onset among youths, it is necessary to evaluate education programs implemented for youths in Australia. The review of such school based educational programs for preventing alcohol and other drugs revealed that the school-based program has harm minimization goal and it mainly employed the principle of social influence approach or cognitive behaviour therapy (CBT). By this approach, youth were taught to resist external pressure and strengthen their coping skills. CBT helped to analyse and modify the negative thinking pattern and behavior of school children. The CLIMATE program for alcohol and cannabis and other programs like SHAHRP, Life Education, Greenhouse project and Resilient Family Intervention gave mixed results. While CLIMATE, SHAHRP and greenhouse projects have significant effect in reducing risk, the other two programs gave no significant results. The main strength of these inter ventions was that the program was implemented by means of a computer-delivery method. This minimized the cost involved in recruiting and training the staffs for education and guaranteed flexible and consistent delivery of information. However, minimum efficacy was found for those schools which had minimum resource for internet based delivery of prevention and where teachers failed to adapt the program according to the needs of particular school (Teesson et al. 2012). Hence, in the future, it is necessary that resource of the school is developed to deliver internet-based educational program to promote efficacy. The key teachings of the educational program should also be supported by evidence (Bonomo and Bowes 2001). As the above evaluation suggested lack of resource regarding computer based program behind the reason for poor outcome of the program, this section particularly evaluates the effectiveness of the universal computer-based Climate School psycho-stimulants and cannabis module. In the randomized controlled study with secondary school children in Australia, students were randomized to computer-based Climate schools program and the usual health classes group. The Climate program was based on social influence approach to harm minimisation. The impact of the Climate Schools program on school children was that they decreased pro-drug attitude due to better awareness about the ill-effects of cannabis and psychostimulants. The frequency of experimentation use of drugs among children significantly reduced which resulted in subdued uptake. In comparison with children who received usual drug education, climate school group children had better used cannabis less often. The advantaged of computer-ba sed delivery was that use of cartoon story raised interest among children and they could recall the information very well. However, one limitation of the Climate School program is that although it reduced childrens intention to use meth/amphetamine among youths, it could not sustain these intention for longer time (Vogl et al. 2014). Hence, to sustain the long-term knowledge and preventive behavior related to early drug onset, it is necessary to continue ongoing intervention in a sequential and regular pattern. The feasibility of the program can be further increased by encouraging children to bring their own laptop to schools. Among all the alcohol education programs implemented in schools, the Climate Schools, All Stars and Project ALERT was most effective in yielding positive results for children. Many other programs lacked efficacy because of poor quality of research and inconsistency in approach. The programs which gave evidence of good effect included revealed use of multiple peer-reviewed publications as the reason for good outcome in such programs (Roche et al. 2014). Similarly, the study regarding primary school drug education in UK indicated that impact cannot be measure as understanding of true effects requires long timescale. Therefore, the study suggested that those programs are successful that are long-term and intensive on their goals and employ interacting teaching styles and wider community to mitigate the early drug use (Lloyd et al. 2000). Hence, the review suggest that most effective alcohol education program is dependent on availability of effective resource such as managing accessibili ty issues and training staffs in efficiently adapting the program in school setting. Furthermore, extension of supportive network is also essential to guarantee the success of the program such as collaboration with families and local community to bring a cultural change and reinforce preventive message not just in schools but at family and community level too. Preventative strategies for youth drug onset: policies: The National Drug Strategy (NDS) is one of the policies regarding the prevention of substance use, risk and harm in Australia. This was a supply reduction and harm reduction strategy to disrupt supply of illicit drugs, prevent uptake of harmful drugs and reduce drug related to harm to people. The National Drug Strategic Framework was implemented in Australia in 2004 which provided a balanced approach to reducing the supply and demand of drugs. Apart from training, monitoring and evaluation, the policy also focussed on research and other measures to prevent the harm associated with drug use (National Drug Strategy - National Drug Strategic Framework 2017). The goal of the national policy was to set an evidence based prevention agenda by means of strategic mapping of system and pathways that are interconnected with risk factors and outcome. The strategy was effective as it dependent on extensive review of scientific literature to implement corrective actions for the community. Extensiv e research was done in all areas related to efficacy of different risk and protection model, cost-effectiveness of alcohol and drug interventions, legal status of drugs, patterns of use in early years and impact on individual and families (Butler 2005). There is strong implication of the efficacy of this policy. The developments and actions mentioned in this policy can guide public level action reducing the harm of drug use among youths. In future, there is a need to invest in early childhood development and maximize human potential to take full advantage of the protection and risk reduction approach to prevention of drugs. Cannabis is one of the drugs highly used by adolescent children and young adults. They intermittently use this drug till the age of 20 for experimentation purpose and very few of them proceed to long-term regular use. Considering the high prevalence of lifetime use among females in between 1995 to 2000, a vigorous campaign was launched to take action against this practice. To distinguish harm reduction as a policy goal, the main criteria was to include harm reduction as a primary goal and to plan strategies that can bring net-reduction in drug-related harm. Some of the issues found in the strategy of harm reduction is that lack of longitudinal research on adverse health effects delayed making causal inferences. Secondly, the irrational policy and drug law reform acted as an obstacle in evaluation of action for explicit harm reduction. This issue is widely found in raising awareness regarding harm reduction for cannabis. The most probable chronic harm of regular use include cannabis d ependence syndrome, cognitive impairment, respiratory distress and the harm related to acute use include psychological impact such as dysphoria, panic attacks and paranoia. As adolescents particularly belong to high-risk group for adverse effect of cannabis, there is a need to consider legal harm of preventive cannabis use among youths (Swift et al. 2000). There is a need to develop a balance between harm reduction approach and acceptable public message so that other issues are not exacerbated. A realistic and flexible approach will help to yield positive results. Recent research findings should also be included in the strategy to reduce the harm related to enhance health and well-being of society. There is great argument regarding the implementation of the harm reduction approach into an adolescent context. This debate exists due to the views on zero tolerance and legalization of certain drugs. Zero tolerance approach is also not ethically correct because abrupt ban or disruption may also harm addicted individual or youths. Zero tolerance promotes complete prohibition of any form of drug use. On the other hand, legalization and decriminalization of drugs involves removing criminal sanction for possession and sale of drugs. Many oppose these two steps as by this means drug use will further increase among youths (Bonomo and Bowes 2001). Harm reduction approach can balance these two extreme issues by means of implementing two forms of strategies. The first may focus on reducing harms among drug users and other may focus on those vulnerable to initiating drug use. For example, educational campaigns related to safely injecting drugs can reduce blood borne infection and educational strategies on social context can educate young children about the risk of this drugs in their development stage. This would be a rational and relevant approach to achieve better response and prevent drug-related harm. Recommendation to improve program or strategies to current program and strategies: The review and evaluation of current program and strategies to delay the age of drug onset presents weakness in approach resulting in poor response or wide issues at public level. Although some programs were found to be highly effective in integrating right resource to reduce the use of drugs, other programs failed due to lack of adequate infrastructure and training in staff regarding implementing the program. This problem was mainly seen in educational program implemented at school level. For instance, Climate school program was highly efficacious in reducing drug related in harm in school children, however poor outcome was seen due to limitations in infrastructure and design of the program. To improve the performance of school-based educational program in reducing risk of drug use, there is a need to specifically target high-risk group adolescents. The advantage of focusing on high-risk group is that it will maximize preventive outcome for high-risk students as well as lead to positive health behaviour in other youths (Teesson et al. 2012). Secondly limitation found from the evaluation of approach was that educational programs and modules were prepared without integration of peer-reviewed intervention strategies to prevent drug use. This resulted in poor quality of prevention programs resulting in poor or moderate outcome. Hence, extensive research is required while preparing educational modules so that evidence based public intervention is delivered and the program has the potential to improve health behaviour in long-term too (Jenson and Fraser 2015). Improvement in primary prevention strategies for drug prevention is also necessary so and it should be based on theoretical foundation for prevention. For example, while designing educational programs, social determinants, risk and protective factors of health should be adequately covered (Munro and Ramsden, 2017). There are various public health system model available and selecting of these models should depend on the setting, context and severity of drug use issue in target group. Community based approach is necessary so that not just youths, but teachers, parents and local community groups are involved in curbing the menace of high drug use among children. To promote success of intervention, infrastructure and program should be tailored to the needs of the local community and keys actions should be consistent with overall program objectives (Spooner 2009). Conclusion: The essay focused on the public health issue of high prevalence and early onset of drug use among youths. Youths engage in this practice to experiment or gain the ecstasy of drugs. As many of them shift to lifetime consumption of drugs, it leads to many health related consequences such as drug dependency, psychological problem and paranoia. Hence, the evaluation of current educational program and policies was necessary to analyse the extent to which they are effective in delaying in early onset of drugs. This evaluation helped in the identification of limitations in the approach and proposed possible recommendation to yield better results and sustain them for long-term too. Reference Bonomo, Y.A. and Bowes, G., 2001. Putting harm reduction into an adolescent context.Journal of Paediatrics and Child Health,37(1), pp.5-8. Butler, S., 2005. The prevention of substance use, risk and harm in Australia: a review of the evidence.Drugs: education, prevention and policy,12(3), pp.247-248. Jenson, J.M. and Fraser, M.W. eds., 2015.Social policy for children and families: A risk and resilience perspective. Sage Publications. Lloyd, Ruth Joyce, Jane Hurry, Mike Ashton, C., 2000. The effectiveness of primary school drug education.Drugs: education, prevention and policy,7(2), pp.109-126. Modesto-Lowe, V., Petry, N.M. and McCartney, M., 2008. Intervening early to reduce developmentally harmful substance use among youth populations.The Medical journal of Australia,188(8), p.494. Munro, G. and Ramsden, R. 2017.Primary prevention: preventing uptake of drugs. [online] Available at: https://file:///C:/Users/SONY/Desktop/Shopify/Shopify/1315953_80810843_DrugUseinAustralianSociety.pdf [Accessed 15 Apr. 2017]. National Drug Strategy - National Drug Strategic Framework. 2017. Nationaldrugstrategy.gov.au. [online] Available at: https://www.nationaldrugstrategy.gov.au/internet/drugstrategy/publishing.nsf/Content/national-drug-strategic-framework-lp [Accessed 15 Apr. 2017]. Roche, A., Battams, S., Cameron, J. and Lee, N., 2014.Alcohol education for Australian schools: What are the most effective programs?. [online] Available at: https://nceta.flinders.edu.au/files/7914/1534/0597/EN556.pdf [Accessed 15 Apr. 2017]. Spooner, C. 2009.Causes and correlates of adolescent drug abuse and implications for treatment. [online] Available at: https://www.tandfonline.com/doi/abs/10.1080/09595239996329 [Accessed 15 Apr. 2017]. Swift, Jan Copeland, Simon Lenton, W., 2000. Cannabis and harm reduction.Drug and Alcohol Review,19(1), pp.101-112. Teesson, M., Newton, N.C. and Barrett, E.L., 2012. Australian school?based prevention programs for alcohol and other drugs: A systematic review.Drug and Alcohol Review,31(6), pp.731-736. Vogl, L. E., Newton, N. C., Champion, K. E., Teesson, M. (2014). A universal harm-minimisation approach to preventing psychostimulant and cannabis use in adolescents: a cluster randomised controlled trial.Substance abuse treatment, prevention, and policy,9(1), 24.

A Yes-and-No Answer About Hyphenating Phrases

A Yes-and-No Answer About Hyphenating Phrases A Yes-and-No Answer About Hyphenating Phrases A Yes-and-No Answer About Hyphenating Phrases By Mark Nichol When it comes to following grammatical rules by example, the field is a minefield, because many publishers and publications can’t even seem to get it right, and writers must resort to hunting down the correct usage in a style guide or a writing handbook. Take, for instance, phrases of several words in which hyphenation seems to be called for. Is it â€Å"word of mouth,† or â€Å"word-of-mouth†? Do you write â€Å"on the spot,† or â€Å"on-the-spot†? The quick-and-easy answer is, for these and most other apparent word chains, break those chains: No hyphens are necessary unless the phrase precedes a noun: â€Å"I rely on word-of-mouth communication†; â€Å"She made an on-the-spot assessment.† But the game changes for a special class of phrase that, for lack of standard nomenclature, we can call anatomical association: When your dorsal side is opposite someone else’s, you’re standing back-to-back, and when you confront someone, you go head-to-head. This type of phrase is sometimes hyphenated in adverbial form (used in conjunction with a verb) as well as in adjectival form (preceding or following a noun): â€Å"He produced back-to-back hits throughout the decade.† â€Å"She hoped to a avoid a head-to-head confrontation.† Unfortunately, though, even that classification is inconsistent: When you line up among a row of people to your left and right, you’re positioned side by side, not side-by-side. (Though you still hyphenate the adjectival form you stand in a side-by-side formation.) You can live a hand-to-mouth existence, but you’re living hand to mouth, not hand-to-mouth. Some similar phrases, such as â€Å"head to toe† or â€Å"hand in hand,† aren’t even in the dictionary, so the same rule applies; leave open in adverbial form, and hyphenate as an adjective. (Phrasal adjectives usually remain open after a noun, but these aren’t conducive to that syntax anyway.) This maddening inconsistency leaves us where we started: When in doubt, look it up. And what about even longer word strings? You can write that someone has a devil-may-care attitude, and that someone has a not-in-my-backyard mentality, but where do you draw the line and stop drawing that little line we call a hyphen? What if someone has a do-unto-others-before-someone-does-unto-you approach to life? Many such phrases are enclosed in quotation marks rather than hyphenated, which is reasonable for something that would conceivably be uttered and doesn’t play havoc with narrow columns of type (as it may very well have done here). But phrases of manageable length like â€Å"not in my backyard,† even though they’re hypothetical statements, should remain in phrasal-adjective mode. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Punctuation category, check our popular posts, or choose a related post below:How to Format a US Business LetterHow to Punctuate Descriptions of ColorsDouble Possessive