Traditional Diet Vs. The New Diet And Nutrition Program

Traditional Diet Vs The New Diet and Nutrition Program By Kat Eden | Submitted On June 20, 2011 Recommend Article Article Comments Print Article Share this article on Facebook Share this article on Twitter Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon Share this article on Delicious Share this article on Digg Share this article on Reddit Share this article on Pinterest Expert Author Kat Eden I just got off a meeting with a potential client. She was searching for a fitness expert to help her shed couple of pounds for a coming event - her brother s wedding. She ll be one of the bridesmaids and she basically want to look incredible on that day. Nowadays, I don t accept new clients but something about this girl interested me. She is living healthy: for example she exercises everyday, both weights and cardio. She is eating healthy, mostly fruits and veggies, along with a carefully low intake of body fat. She s basically textbook perfect but still she hasn t achieved the body she is aiming for. I couldn t bring myself to simply refer her to a different fitness expert, or send her on her way. I needed to ask - What if everything you understand about diet is wrong? What do you mean? she replied. To cut the long story short, I found myself talking for an hour. In the following paragraphs, I will share with all of you what I told her about diet and nutrition. When it comes to diet and what s best for you,Show MoreRelatedEssay on The Paleo Diet: The Caveman Diet1490 Words   |  6 Pagesnumerous exercise programs to help you lose weight fast or build lean muscle. Then we’ve got every diet under the sun, the no carb diet, high protein diet and all juice diets. Through research we can find and utilize programs and healthy habits that we can practice for a long healthful lifetime. The Paleo Diet also known as â€Å"The Caveman Diet† has gained wide popularity across the country with everyone from celebrities to your average Joe’s next door. The uprising of this diet better referred toRead MoreHealth, Food, And Nutrition1291 Words   |  6 Pagesinformation because most of the materials were new. When it comes to food and health, there aren’t a lot of discussions and/or classes on the politics behind it. Community 156 has established this foundation for me. I will try to take you through a journey of what stood out the most to me. Nowadays, there are a lot of confusion around health, food and nutrition. Many of the diseases such as obesity, heart problems, diabetes, etc., are blamed on poor diet. 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Women s Suffrage Over The Fourteenth Amendment - 984 Words

Kelsey Martin Professor Edwards U.S. History 1301.41 17 November 2015 Women’s Suffrage Over the Fifteenth Amendment In the 1860’s tensions were running high. Slavery was finally abolished, and one very important amendment passed in favor of African American men across America. The 15th amendment passed and many African American men were thrilled by the new freedom they had; the right to vote. However, many women were perturbed by the decision congress made on February 26, 1869. Which divulged, â€Å"The right of citizens of the United States to vote shall not be denied or abridged by the United States or by any state on account of race, color, or previous condition of servitude --† (US Const., amend. XV). Thus, no matter what race, any man can vote in any election they want. Unfortunately, it would be another fifty – one years until women would be granted to vote alongside their male counterparts. Therefore, the National Woman Suffrage Association found itself on the wrong side of the fifteenth amendment, while the American Woman Suffrage Association was on the appropriate side of history. At the beginning of the fight for women’s rights, there were two main ladies who immediately led the way. These two heroes of equality were Elizabeth Stanton and Susan B. Anthony. Without these two strong women, we wouldn’t have a strong core stance on feminism like we do today. They formed the American Equal Rights Association for women and African Americans to help bolster equality inShow MoreRelatedThe Achievement Of The National Association For The Advancement Of Colored People Essay1312 Words   |  6 PagesPeople (NAACP). 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Impact of Stress on Academic Performance of Students free essay sample

The days of dress codes and even mandatory class attendance in the university are long gone. But while freedom can be exciting and fun, it can also be stressful because no one is telling you what to do. One has to make a lot of decisions on his or her own whilst readjusting values and normal life. There are bound to be mistakes, but that is part of the process. Attending classes, completing the readings, writing papers, managing projects, and preparing for exams all put a heavy burden on students.Students often complain of professors who assign so much work hat they must think theirs is the only class students are taking. Students react to college in a variety of ways. For some students, college is stressful because it is an abrupt change from high school. For fresher at the university, the sudden amount of free time; class that only meet one or two times a week for two hours or so; leads to the development of habits that can impair academic performance and increase stress levels. For others, separation from home is a source of stress because for many students this is the first time they are living independently, and this independence often dads to great stress. University is a time for transitions, and the transition to adulthood may be a hard one. Some students have to come to terms with issues of sexual orientation, religious beliefs, and other deep issues. One may also face roommate issues and peer pressure to take part in all sorts of political and sporting activities. New friends are made and romantic relationships are started which also demand more of a students time.There is also the issue of ones self-image; socially, physically, academically, and this can be a major source of stress. Female students, especially, deal with stress elated to weight gain and physical appearance, but all students deal with the stress of how they are perceived. And sometimes its a vicious cycle; because some people are stress eaters, so while being stressed about their body they actually eat to deal with the stress. Although some stress is necessary for personal growth to occur, the amount of stress can overwhelm a student and affect the ability to cope.University life is more than just going to school and making the grades that one desires of himself or herself. The focus of this essay therefore is on stress and how it can affect academic performance. STATEMENT OF RESEARCH QUESTIONS In an attempt to research into the implications of stress on the academic performance of student, the following questions would help to better understand the concept of stress and academic performance. * What are the main causes of stress to students? * What are the implications of stress on academic perf ormance of students? What mechanisms do students adopt to cope with stress? PURPOSE STATEMENT The overall intent of the study is to find out how stress levels affect the academic performance of University of Ghana students. The purpose of this assay of is to offer such a definition and conceptualization of stress in the university in order to facilitate a greater understanding of this important phenomenon. Several propositions and methodological considerations would be suggested after the definition and conceptualization are presented.This essays perspective is one of understanding students stress as far as academic performance is concerned. Results will be made available at the library which will enable students to know how stress can affect their general academic performance. This will help them to put up measures that will help enhance their academic performance. Again, they will find the study useful in planning their personal time table and to-do-list. That is they will know how to structure their study tables and what activities to engage in to reduce stresses that negatively impacts their academic performance. This essay will also serve as an additional literature on stress management and academic performance. Again, the research will serve as basis ; for further research by other students. RESEARCH OBJECTIVES The main objective of the study is to find whether stress has a positive or negative impact on academic performance of students. Specifically it seeks to; * Identify the main causes of stress to students. * Identify the implications of stress on academic performance of students * Examine the measures that must be put in place to manage the stress of students.JUSTIFICATION OF STUDY Chaplain and Harrison (1982) use stress in negative contexts to refer to any of the following technical concepts: objective misfit, subjective misfit, variable in the objective environment which is presumed to pose a threat to a person and a variable in the subjective environment which the person perceives as threatening. Edwards (1988) views stress as a negative discrepancy between an individuals perceived state and desired state, provided that the presence of this discrepancy is considered important by the individual. Consequently, students perceive stress in this negative context; having a negative impact on their academic performance. However, studies by Sells (1974) maintained that, stress is not an entirely bad event. What stress is according to Sells, is a non specific response of the body to any demand on the individual for readjustment or adoption. That is, any kind of normal activity can produce inconsiderable stress without causing any harmful effects. Based on the above varying views, this study seeks to establish whether stress impacts negatively or positively on student academic performance.ORGANIZATION OF STUDY Chapter one would include the study background of the research. This chapter would deal with the introduction of the introduction of the essay, research questions, definition of key concepts, significance of the study, and justification of the study as well as organization of the study. Chapter one would give an overview of the problem under study and would specify what he research aims to accomplish at the end of the study. Chapter two would cover literature review, theoretical and conceptual frameworks.In this chapter the researcher would review similar works done by other researchers. Various theories put forward by other researchers would be considered to reveal the level of research conducted on this subject. Literature review, theoretical and conceptual frameworks are essential in the research because it provides an idea about the research topic. Hypotheses would be made to predict the outcome of the study. This study would provide n in depth knowledge about the problem. Chapter three would contain data collection methods. Here, the procedures to be employed in data collection would be made known.It would consist of the research setting, the group of participants to be used, sampling techniques, and the instruments of analysis that the researcher intends to use. Inclusive in this chapter would be the field work; where the researcher would conduct a survey to collect data from the target population. This chapter would also contain the experiences and challenges the researcher would go through while collecting the data. Chapter four covers data analysis and interpretation Here the survey results would be discussed and analyses.The data collected would be interpreted with the use of tables, charts and graphs. These would be explained to give readers a clear understanding of the study. Chapter five contains the study conclusions and recommendation. In the conclusions and recommendations chapter, the researcher would assess the work to see if all research questions were answered and set objectives were accomplished. Suggestions would also be made on the way forward in relation to the problem. DEFINITION OF CONCEPT The concepts that require definitions in this study are; Stress and academic performance Operational Definition of Stress.Stress is the wear and tear our bodies experience as we adjust to our continually changing surroundings. It has physical and emotional effects on us and can make good or bad feelings. As a good influence, stress can help motivate us to do something, or help us through the day. As a bad influence, it can result in feelings of distrust, rejection, anger, and depression (overall, make you feel really crappy), which in turn can lead to health problems such s headaches, upset stomachs, rashes, insomnia, ulcers, high blood pressure, heart disease, and strokes.With the death of a loved one, the birth of a child, a job promotion (or demotion), or a new relationship, we experience stress as we change our lives to cater to this. In so adjusting to different circumstances, stress will help or hurt us depending on how we react to it. The circumstances that cause stress are called stresses. Stresses vary in harshness and duration. For example, the responsibility of caring for a sick parent may be an ongoing source of major stress, whereas getting stuck in a raffia jam may cause mild, short-term stress. Some events, such as the death of a loved one, are stressful for everyone. But in other situations, individuals may respond differently to the same event what a stresses is for one person may not be stresses for another. For example, a student who is unprepared for a social psychology test and anticipates a bad grade may feel stress; on the other hand a classmate who studied may feel confident and anticipate a good grade. For an event or situation to be a stresses for a particular individual, the person must appraise the situation as threatening and lack the opining resources to deal with it effectively.In dealing with stress, coping mechanisms such humor, meditation, massage therapy, regular relaxation, and time management may be employed. As one has seen, positive stress adds anticipation and excitement to life, and we all thrive under a certain amount of stress. Deadlines, competitions, confrontations, and even our frustrations and sorrows add depth and enrichment to our lives. For the purpose Of this study however, stress is defined as Our response to events that disrupt or threaten to disrupt our physical or psychological functioning Lazarus Folkway, 1984).These responses include anxiety, fear, irritability, inability to concentrate and a variety of physical conditions that include headaches and a fast heartbeat (www. Excite. Com). Operational Definition of Academic performance In educational institutions, success is measured by academic performance, or how well a student meets standards set out by local government and the institution itself. In relation to this study academic performance is the increase or decrease in the cumulative grade point average (CAP) of students.

Terrorism The issue of terrorism is Essays - Terrorism,

Terrorism The issue of terrorism is one of the main concerns in the recent world. September 11/2001 attack in the twin tower of USA, bombing in Madrid and London bombing has raised a serious concern in this matter. Different government all over the world is trying to tackle this problem enacting different stringent laws and taking other steps. Indian society is attacked by this terrorism warm from the very beginning and immediate after independence, for example Kashmir, Mumbai bomb blasts, North East states, Punjab in 1980s and recently Mumbai attack. [1] There are different issues which come with the question of terrorism. The first question related to the definition of terrorism. In the international level there was a long effort to find a universally accepted definition of terrorism. The reason is that one person or states terrorist is freedom fighter to another state or individual. It has also faced opposition because most of this definition talks about th e action of the non-state actors and did not address the violence and torture done by the government agencies. International Convention for the Suppression of the Financing of Terrorism adopted in 1999 by the General Assembly has given a definition of terrorism which is the first in an international treaty. [2]This says: " Any other act intended to cause death and serious bodily injury to a civilian and any other person not taking an active part in the hostilities in a situation of armed conflict, when the purpose of such act, by its nature or context, is to intimidate a population, or to compel a Government and international organization to do and abstain from doing any act. " There is two fold meaning in the context of terrorism and human right. In the first meaning the state is obliged to make regulation to prevent and combat terrorism on the ground to protect the individual right to life, liberty and security. The second thing is in the process of combating and preventing terrorism state should take care of the human right. [3] For the infringement of the latter the sate will be responsible under the international human right law and treaties in which it is a party. The European Court of Human Right and other international Human Right instrument has recognized that state has not only negative obligation to refrain from interfering into the rights of the people within its jurisdiction but also positive obligation to protect the people from the infringement of their human right by non state actors. [4] In this paper varies international instrument which talks about the protection of human right while combating terrorism will be discussed. Then subsequently some Indian anti -terrorism laws will be reviewed from the prospective of human right protection and the role of judiciary in the protection of human right while battling against terrorism. Chapter 1: International Institutions in the matter of Terrorism and Human Right Issu e : There are 13 international convention related to terrorism has been adopted under the supervision of United Nation. [5] After the attack of 11 September 2001 the international instruments, international political picture have changed a lot with relation to terrorism. United States of America declared " War on Terror " .[6] United Nations General Assembly Resolutions: The General Assembly resolutions related to terrorism are mainly G.A. Res.56/160, G.A. Res. 58/187, G.A. Res. 59/191, G.A. Res. 59/195, and G.A. Res. 57/219. All these resolution mainly focused on both non derogability of human rights and states responsibility to comply with it. The G.A. Res.56/160 says that the state should take all necessary and effective measures, in accordance with relevant provisions of international law, including international human rights standards, to prevent, combat and eliminate terrorism. . . and. . . strengthen, where appropriate, their legislation to combat terrorism. [7] G.A. Res. 57/219 says that States must ensure that any measure taken to combat terrorism complies with their obligations under international law, in particular international human rights.[8] G.A. Res. 58/187 argues that some human rights are non-derogable and emphasized that States must ensure that any measure taken to fight against terrorism take care of their obligations under international law, in particular international human rights, refugee and humanitarian law.[9] The remaining two resolutions also

An Analysis Of Chimes Of Slience Essays - Yoruba People, Literature

An Analysis Of Chimes Of Slience Essays - Yoruba People, Literature An Analysis Of Chimes Of Slience An Analysis of Chimes of Slience Wole Soyinka is a Nigerian playwright, and the author of the prose poem Chimes of Silence. In order to describe his experience in solitary confinement Soyinka uses descriptive language involving his vision to better enlighten the reader to his experience. The most dramatic passages in Chimes of Silence describe his limited vision, which expresses to the reader how difficult and horrible of an experience it must have been. Soyinkas efforts to see any sign of life through peepholes in order to have some way of connecting with the outside world, shows just how lonely he really is. The poem opens with Soyinka struggling to see through a peephole in the door of his cell. His interest in the boring details outside of his cell shows just how lonely he is, and how much he longs to have any kind of contact with reality. A little square hole cut in the door, enough for a goalers fist to passenough for me tosteal a quick look at the rare flash of a hand, a face, a gesture(140). Soyinka is desperate to see anything that he can relate to human life. Anything that assures him that even though he has no contact with humans that life is still going on. Anything that reminds him that theres the possibility that he could one day enter back into the life that he has been exiled from. Soyinka continues describing things he strains to see thorough the peephole including, more often a blur of khaki, the square planted rear of the guard on the other side (140). Not only does Soyinka strain to see any part of the human body itself, but also anything else that reminds him of human beings. Something we take for granted everyday Soyinka finds as a connection to the outside world. Its clear through his description of vision seeing through the peephole that Soyinka is desperate for human interaction and is clearly very lonely. Later in the essay Soyinka makes reference to the limited but present amount of sky that he is able to see in his cell; a sky the size of a napkin trapped by small spikes and broken bottles, but a sky (140). Through his describing the sky Soyinka finds another way of connecting to the outside world. The sky that he looks upon is the same one that people look upon everyday, and to him it makes the correlation to the human life he longs to be living. Soyinka knows that when he was once living and surrounded by human contact that he was covered by the same sky that he sees in his cell. It serves as a reminder to him that although trapped he can still carry a piece of his old life within him. His memories of his old life can help make up for the emptiness inside of him in his time of being alone. Soyinka also describes the birds he can see from his cell, Vultures perch on a roof just visible from another yard. And crows. Egrets overfly my crypt and bats swarm at sunset (140). Through his description of the birds Soyinka once again describes something living in order to make up for the fact that he feels so alone, and in a sense dead. It seems that in Soyinkas description of the birds that he almost longs to be them, to be able to fly and be free. Soyinka envies the birds for they arent trapped alone and they have access to the world unlike him. Soyinka eventually discovers a new peephole in his cell and once again he strains to see anything he can to keep himself from being so lonely. Soyinka talks of counting feet walking by in order to keep some kind of reality And now feetthe procession goes by and I count (141). By counting the feet Soyinka can establish the slightest relationship to any kind of outside life. Its almost as if by counting the feet Soyinka can relate to the prisoners and make up for the emptiness he is feeling, and not seem to be so alone. Although they arent trapped there with him the

How to Get a Student Loan Step-by-Step Guide

How to Get a Student Loan Step-by-Step Guide SAT / ACT Prep Online Guides and Tips For many students, loans are vital to being able to afford an education. The cost of a college education in the US is cost-prohibitive for many families, and loans help to close the gap between what school costs and what families can actually afford. As of last year, over 40 million Americans are working to pay off student debt. Learning how to get student loans sounds daunting and burdensome, but if you’re smart about how and where you get your loans, taking on debt can be a manageable option. Here, I’ll walk you through all the steps to getting student loans, including calculating your own need, finding loans, applying for loans, and managing repayment. First, though, I'll talk a little bit about how student loans work. How Loans Work This explanation is a bit simplified, but you should come away with a good general idea of how loans function. If you know how loans work, you'll be better able to find and apply for loans that are good fits for your needs. By definition, a loan is a sum of money that you (the borrower) is given by a person or entity (the lender) with the expectation that you'll pay it back with extra charges tacked on (the interest). When you repay student loans, you'll usually make monthly payments on the sum you borrowed (the principle) plus interest that has built up, or accrued. The bigger the principle, the higher the interest rate, and the longer you take to pay off your loan = more money that you have to pay back in interest. Details like length of repayment and interest rates will vary widely among loan options. Some loans come with extra perks (like the Direct Subsidized loan). There isn't anything particularly complicated about most loans, but some of the financial jargon can be confusing if you're new to it. If you're clear on the basics of how loans work, you can move on to the next step of getting a loan: calculating how much you need. How Much Do You Need? Before you actually apply for loans, you should have a general idea of how much funding you'll need. Follow these steps to get an estimate of how much loan money you should get to pay for college. Step 1: Determine How Much Your School Will Cost The total amount of money it costs to attend a particular school for one year is called its Cost of Attendance, or CoA. The CoA is an average (so your own unique cost might be more or less), and includes expenses like tuition, room, board, books, fees, transportation, and personal expenditures. You can check out a particular school’s CoA by Googlingâ€Å"[school name] cost of attendance.† You can get more info about college expenses and costs here. Step 2: Use Your Family's Financial Information to Determine What You Can Afford to Pay If there's a gap between your school's CoA and what your family can afford to pay,don’t panic! Not every school will be an affordable option for all students, federal and institutional grants and scholarships can really help fill that gap, especially for low income students. If a gap remains after grants and scholarships, you can then consider whether student loans are a good option for you. One way to "officially" calculate how much your family can afford is by using the FAFSA4caster. A major source of student aid is the federal government, and an important number that they use to calculate aid eligibility is called the Expected Family Contribution, or EFC. By using the FAFSA4caster, you can estimate your EFC, which schools will also use to award aid.You can get step-by-step instructions for calculating your EFC here. After you’ve completed the FAFSA4caster estimate, you’ll have an idea of your EFC. Additionally, you’ll know if you’re eligible for any federal grants, which will fill the gap between what you can afford and what your school costs. Finally, when you finish your estimate, you’ll know if you’re eligible for any Direct Subsidized or Direct Unsubsidized federal loans. Once you're informed about much money you may need to take out in loans, you can start searching for loans that are good fits for you and your family. Where to Get Student Loans There are so many options when it comes to student loan lenders. It would be impossible to provide an exhaustive list, but I'll outline a few great places to start. There are two main types of student loans - federal and private - and I'll discuss both. Student loan lenders are everywhere - the following tips will help you start finding your own student loans. Federal Loans Federal loans are loans backed by the federal government. Many federal loan programs are meant to assist low-income students and their families, although some don't require you to demonstrate any financial eligibility requirements to be considered eligible. Interest rates are generally competitive, and don't vary based on your or your parents' credit history. To get any federal aid, including loans, you need to meet basic federal eligibility requirements. Certain loans, like the Perkins and the Direct Subsidized, have other requirements as well. You can read more about basic federal eligibility requirements here. If you’re eligible for federal loans, they’ll be included in schools’ financial aid packages, along with any grants and scholarships. You get to decide what parts of the financial aid package you accept, and what parts you’ll reject;you don’t have to take on any loans if you have other ways of paying for school (e.g. an outside scholarship). Other federal loans worth checking out include Direct Unsubsidized, Stafford, and PLUS loans. Private Loans Quite a few banks offer private student loans, many of which require a cosigner (e.g. an adult with a solid credit history who signs the loan with you). If your parents are clients of a particular bank, you might start by looking for student loans at that institution. Make sure to shop around, though; check with other lenders to see if they offer you better terms, including lower interest rates. If your parents havea financial adviser, it would be ideal if you could check with him or herabout good student loan terms based on your family’s financial situation. How to Apply for Student Loans The loan application process and timeline will vary depending on what type of loans you plan on taking out. I'll talk generally about how to apply for both federal and private loans, although you should confirm the details with your lender, especially if you're taking out private loans; each lending institution will have its own protocols. Applying for Federal Student Loans You can apply for all federal financial aid, including student loans, by submitting one application: the Free Application for Federal Student Aid, or FAFSA. You submit the FAFSA every year that you'd like to be considered for aid. The federal FAFSA deadline for the 2015-2016 academic year is June 30, 2016. Generally, it's wise to submit your FAFSA much earlier than the federal deadline so that you don't miss out on opportunities for funding that tends to run out (the Perkins loan, for example, usually has limited funds available). Students usually submit their FAFSAs in the early spring; you can even submit your application as early as January 1 for the upcoming academic year. To optimize your federal aid eligibility, you'll want to submit your FAFSA even before you hear back from schools if you're a first-year student - say, early spring. You'll then receive notice from schools regarding your acceptance. Schools will put together financial aid packages based on information generated from your FASFA. At that point, you would decide what parts of the financial aid package you would accept, and what parts you would reject. Applying for Private Student Loans Unlike for federal loans, there's no singular application for private student loans. You would have to submit a separate application at each institution (usually a bank) that offers a student loan you're interested in. Many private loans require a cosigner - someone who has more established credit (e.g. a parent) who signs the loan with you. This person is like your lender’s loan insurance - students typically have little to no income or credit history, so if you don’t make payments, this cosigner is held responsible. The better your credit history or your cosigner’s credit history, the better the loans that are available to you. If the financial aid package provided by your school doesn't offer enough in grants, scholarships, or federal loans, you would then consider applying to private loans. How to Get Your Loan Money Once you’ve found a loan that’s a good fit for you, you’ll sign a promissory note. This is a written promise that you’ll pay back the money you owe by a specific date (e.g. 10 years after your loan grace period ends). Federal loans will probably be disbursed, or paid out, to your school directly. The money will be applied to any charges on your school account. If there’s any left over, your school will provide it to you in the form of a refund. If you don't need that refund money, it’s smart to just use the refund to make a payment on the loan Private student loans are also often disbursed directly to your school. Same as with federal loans, you’ll be awarded a refund if there’s any money left over. Caveats: What to Look Out For Before you go ahead and sign that promissory note, there are a few things you should consider. Student debt can very very rarely be discharged in bankruptcy, unlike many other types of debt. If you take on student loans, you’re stuck with them forever. If someone cosigns on your student loans with you, they’re stuck with the debt if you can’t afford to make your minimum monthly payments. Basically, don't take out more in loans than you're comfortable with, if you can help it. Anticipate your realistic career trajectory and earning potential for the 10 years or so after you graduate - this will help you decide whether the debt is manageable. For special types of loans, like the Perkins, consider that you may be able to arrange for loan cancellation. When it comes to student debt, it's important that you don't bite off more than you can chew. If you find that you're uncomfortable with the amount of debt that you would need to take on in order to attend a particular school, there are a few things you can do. Try researching scholarship opportunities, and bring your concerns to the school's financial aid office. If you're still uncomfortable with the loan amounts, consider whether it would be a better financial decision to attend a less expensive school. How to Pay Off Your Loans So you've taken out student loans - you won't have to worry about paying that money back until after you've graduated, right? Although that's technically true, there are steps you can take while you're still in school to reduce your total loan payment amount. If you can, make payments during school/grace/deferment, especially if interest is accruing. You’ll save money in the long run. The following charts demonstrates the long-term financial outcomes of two hypothetical students - they've taken out the exact same loan, but one student makes payments on her interest while in school whereas the other doesn't. Their interest capitalizes, or is added to their principle, at graduation. Take a look: Student A Student B Principle $5,000 $5,000 Interest Rate 10% 10% Interest accrued during 4 years of school $2,000 $2,000 Interest paid during 4 years of school $2,000 $0 Balance due at graduation $5,000 $7,000 Monthly payment (for a standard 10-year repayment plan) $66.08 $92.51 Total amount paid $9,930 $,100 By paying off her interest while she was still in school, Student A saves almost $1,200 in the long run. You won't be obligated to make any payments as a student, but it doesn'thurt to throw some money at your loans every now and again if you have some to spare. Another strategy to make the repayment process a bit easier is to set up automatic payments to avoid late fees. If you're consistently making at least your minimum payments on time every month, you'll also give your credit score a boost. Speaking of payments: if you have multiple loans with different interest rates, make larger payments on your high-interest loans to pay them off first. As you might have deduced from taking a look at the chart above, the faster you kill interest, the more money you'll save in the long run. You won't always be expected to make monthly payments on your loans, however. If you go back to school and won’t have an income, you can often get your loan deferred. If you lose your job, or aren't able to make payments for some other reason, you can look into other repayment plan options, like income-based or graduated repayment plans. Above all, keep your loan servicer in the loop; they'd rather reduce interest or monthly payments than not get their money back at all, so it's in their best interest to work with you if you're struggling. What's Next? Want to get a head start on those loan interest payments? You might want to think about getting a job before you leave for college - read our guide on the best jobs for teens.If you're already in college, you should check out the federal work study program for job opportunities. If you're still knee-deep in student loan research, read our guides on the Direct Subsidized, Direct Unsubsidized, and Perkins loan programs. 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Challenges Employees face with electronic health records Research Paper

Challenges Employees face with electronic health records - Research Paper Example Hence, there will be three parts in the research methodology, 1- description of the research strategy, 2- description of sampling strategy and 3- detail description and justification of the data collection instruments. As the researcher will use questionnaire survey method to collect data hence the study will also highlight ethical issues associated with the paper. Research Strategy The researcher has the option to select either qualitative research or quantitative research to conduct the analysis but the researcher will use quantitative research techniques for analyzing demographic variables while qualitative methodology will be used in order to analyze data from the perception perspective of respondents. Quantitative research methodology helps researchers to address â€Å"what is† and â€Å"what might be† components in any research question while qualitative methodology helps in understanding perception of respondents (Roslender 250). Qualitative research methodology can also be used in order to social praxis of the research problem or critical issues regarding any kind of process change (Tinker 18.1; 101). Although these researchers used quantitative research methodology for accounting research but quantitative research methodology can be successfully used for addressing business research problems (Saunders, Lewis, and Adrian 100-102). Hence the researcher will use mix of quantitative and qualitative research technique backed by primary and secondary data sources. Key purpose of this paper is to understand â€Å"how employees at Eye Health Vision Centers feel about the transition from paper charts to Electronic Health Records† Hence the questionnaire will be decided on the basis of this primary research questions and staff in the ophthalmology centers will be the key participants in the questionnaire survey. As mentioned in the module 1, a particular ophthalmology centre (name of the centre will not be used due to confidentiality norm in ethical form) will be selected as the study setting. Any survey is incomplete without questionnaire while close ended questionnaire used in order to check response of respondents on particular topic and open ended questions are used in order to gather perception of respondents. However, in case of medical research on perception of staff about particular system, it is better to use open ended questionnaire (Whiddett, Hunter, Engelbrecht and Handy 75; 532). Hence, the researcher will use open ended questions will be used in order to understand experience of staff at ophthalmology centre regarding transition from paper charts to Electronic Health Records. There is more than 40 staff in the ophthalmology centre and they work in different department in the ophthalmology centre hence researcher will need to identify mutually exclusive but collectively exhaustive sample size which can represent the behavior of sample population. Hence, in the next section, the researcher will brief the sa mpling strategy that has been selected for the research. Sampling Strategy In the ophthalmology centre, there are more than 40 employees and each of the employees has different experience regarding