Wednesday, October 31, 2012

Homeless To Harvard

Harvard has been the backdrop and subplot to many great movies. From Good Will Hunting to the ridiculous Stealing Harvard, Harvard is the setting where dreams are made and broken.Yet the story of Dawn Loggins eclipses any Hollywood plot.
18 year old Loggins, from North Carolina, has made international news. Loggins grew up in an environment beset by school bullying and parents in the grip of drug-abuse. Fellow students taunted the teenager, who often turned up at school looking bedraggled. Despite this hardship, and a series of school transfers, Loggins somehow managed to hold course and become a Straight A student.
The story has echoes of Liz Murray who's auto-biography, 'Breaking Night, My Journey From Homeless To Harvard'. Her story became a bestseller and was later dramatized for an Emmy winning drama.
Murray too had a dysfunctional family background and found herself on the streets at the age of 16. She finally won a New York Times scholarship for needy students. Harvard is viewed by the media, with some justification, as the passport to a life of prosperity.
Murray has since become an author and international public speaker. She has shared the stage with world figures including Tony Blair, the Dalai Lama and Mikhail Gorbachev. She is also the founder and director of Manifest Living, spreading a message of empowerment to teenagers around the world.
At Harvard Loggins plans to work on her degree in biology, so that she can realize next the chapter of her remarkable life and study animal habitats. Like a Charles Dickens novel, this rags to riches tale has the power to move and inspire. In the tradition of any great cliche, dreams come true for those who hold the course.
Harvard is often viewed as the passport to a life of prosperity. Which is why student applications are soaring from around the world. This year Harvard accepted just 5.9% of applicants. Which makes Dawn's achievements all the more impressive.
A word on Harvard's financial aid policy. Harvard has the highest financial aid budget of any US university at $172,000,000 for needy students. Financial Aid is reserved for students whose family finances are under $60,000. Infact Harvard's financial aid is so generous that fees best or equal 90% of other higher education institutes.
Students qualify for aid regardless of race, nationality or background. Their only requirement? Students in possession of an outstanding resume.

Wednesday, October 17, 2012

Poverty As a Great Threat to the World Peace and Economy

Poverty is a great threat for society and the system of the world. In such state, laws seem to be minor, and they are easily violated. Our society is mostly exploited by starvation, penury, danger and several other problems. They all get birth from poverty because it is a mother of all evils. It means that a person, who comes under the meanest suffering of the poverty, can take any action to meet the needs.
Now, we discuss the causes of poverty. Its main causes are over -population, unemployment, illiteracy, poor industrial facilities and economic resources. Keeping the above causes of poverty in view, one can easily distinguish between the developed and the developing countries. The developed countries are prosperous with natural resources and industries. Despite such prosperity, they don't stop exploring the new resources for becoming stronger in the field of the developed countries. It is useless to say that there is no poverty. Poverty is every where, and in the developed countries, it is found little. Its cause is the honest attention of such countries to their people, and that's why suffering is less.
The developing countries are taking efforts to explore the natural resources and to increase industries for making themselves prosperous, but they are badly affected by the cruelty of starvation and poverty. It happens due to bad politics. It does nothing but creates problems which enfeeble the economy of the country and welcome famine. If famine comes, the economy of country falls and gets several years for restoration. Peace is changed into violence, and the ground favours the powerful persons.
The other cause of poverty is terrorism. It is more dangerous and its mother is poverty. The country accepts the politicians as the pillar but they are not. I think it is the lack of wisdom or education. Such problems mostly take birth in the developing countries because the aristocratic class, the middle class and the politics give importance to their needs. Besides, they keep all resources in their control. Their actions critically inflict the nation and in result, the poverty compels them to violate the rules and regulations. None wishes to become the part of terrorism, but it is starvation that eliminates all their valuable thoughts and controls their minds. A person who undergoes hardships and incessant suffering of life, he becomes anguished and tired of it. In result, he commits crimes which destroy the peace of society. Theft, robbery, kidnapping and murder are the root causes of terrorism. Our newspapers are over- loaded with such items, and electronic media are also alert for broadcasting such items of news several times in a day. The critical Poverty makes a person blind and mad. It is fact that a hungry man is always angry. He gives priority to money, and for its sake, he is ready to cross human being's limits and explodes bombs in buses or in the busy spots of the country. Nowadays, this factor is very common, and it is a pure element of terrorism. He is used by the others for the sake of money, but the actual terrorists are those who hire such needy persons. It means that those who heap wealth and use them for negative and inhuman purposes, they are actual terrorist. They use the suffered and hungry people for their personal benefits. This factor is most common in developing countries.
The history is full of various examples of terrorism which are the result of bad poverty. So Peace seems to be impossible because there is no solution of starvation, even in the developed countries. When the developed countries come under the mania of it, they become blind and deaf and impose false charges on the weak or under developed countries. In result, they make war and rob them of their resources. One can find so many examples which are evident that they don't give importance to mankind but to natural resources. They should not play such inhuman role. Such aincrease poverty and starvation, and in result, their safety will be at stake.
Poverty is also a great threat to the economy of the world. If we imagine a person whose earning is small, he can not meet his basic needs. It is impossible because eighty percent of population comes below the poverty line. All resources and economic institutes are handled by twenty percent of people. One can scan that a thirsty, hungry and homeless person can not let others live luxuriously and happily. All is happened due to mismanagement and wrong distribution of economic resources and inadequate facilities. Calvin Coolidge says that economy is always a guarantee of peace.
If we want to make our countries prosperous and developed in all fields, first of all these problems should be solved at any cast. In this way, we can defeat poverty, control terrorism and introduce a peaceful environment.

Wednesday, October 10, 2012

Using Pet Urns to Prepare Children for the Death of Pets

Children develop an attachment to their pets. They become their playmates and they cannot carry out most of their play activities without them. When the pet dies, most parents dread the experience of having to break the news to their children.
In an effort to protect them from the painful truth, some may be tempted to go out and buy an identical pet. However, this does not help since the relationship with the new pet will not be the same. The child will notice the difference even with identical features on the surface of the new one. However, pet urns create an easy solution for such parents.
It is important that a parent psychologically prepare the child to deal with the death of a pet. One way of doing this is buying suitable pet urns for ashes when buying the pet. The parent should then explain to the child the concept of death and the fact that the pet will not live forever. When the pet eventually dies, the child will be sad but dealing with the loss is easier since he or she expected it. The parent will have an easy time cremating the pet and putting the ashes in the urn.
The best idea is to purchase a customized urn. Most people prefer figurine designs that imitate the appearance of the pet. One could also choose to incorporate a photo of the pet on the urn. This creates a lasting memory and the child is sure that the pet is in a better place. Explaining the logic is however hard for younger children but in for older children it is easy. One can then proceed to buy a new pet and train it like the older one. Younger children will soon forget the old one and bond with the new pet, all thanks to ashes in the pet urn.
Walking your child through the grief process of losing a pet will not be easy, but take time, and having dialog with them about what has taken place, and letting them be apart of the memorial process I believe that you can turn a very difficult time into a learning and educational experience. Allow you child to express their feeling, ideas, and hurts they are experiencing.
Being their for our children and our pets are huge responsibilities that we as parents and pet owners cannot take lightly, but most work at daily.

Wednesday, October 3, 2012

Credit Card Debt Is Still At Its Peak

The latest news shows that Americans have now become more educated about credit issues than they used to be before the recession period. However, this familiarity with the sphere of personal finance doesn't necessarily mean they are able to take the right decisions concerning lending and credit. A survey held by the Utica School of Commerce two weeks ago revealed that the overwhelming majority of Americans are aware of the interest rates they pay on their credit cards, as well as of their credit score. Despite of that, they still continue to suffer from the serious debt associated with high-interest cards, and many of them don't have the slightest idea of how to improve their credit rating.
The Utica's survey indicates that Americans don't tend to draw the right conclusions from the hard-learned credit lessons that they learned during the period of recession. Adult people who are unaware of their credit rating now come in about 30% as opposed to the 45% who didn't have any idea about it in 2007. There are also less people (21%) who don't know the interest rates imposed on the credit accounts they use most frequently, in compared with the 28% who claimed not to know it in 2007.
Among those who know the interest rates associated with their banking cards, 30% pay an interest rate of about 20% or even more. Others claim to pay 14-15% or more. It's an interesting fact that only 25% of credit card consumers ever tried to apply for better rates despite of the fact that many of them are perfectly negotiable. Although canceling a credit card account has a negative impact on credit score, 20% of people consider this to be rather beneficial for their credit history. 26% believed it had no significant impact. For those who deal with any kind of debt except mortgage loans, credit card debt tends to be the most typical one, being also the most expensive debt to pay.
To acquire more knowledge and experience in personal finance, you should firstly figure out your current banking card rates. Then you can search for lower rates. Statistics shows that about 70% of those who solicit lower rates get a positive reply. Begin with a target rate and be very assertive. If necessary, ask your supervisor for help. Learning the factors that influence your credit rating is also very important. One should understand that cancelling older banking accounts will substantially reduce credit ratio. This, in its turn, may decrease your credit rating. Finally, you may cut your current debt expenses by paying all your debts back with a low-interest bank loan rather than with your credit card.