How to Pay for College Without Parents Help

How to Pay for College Without Parents' Help SAT / ACT Prep Online Guides and Tips Paying for school is daunting enough when you have the financial support of your family. But for students whose parents can’t or won’t contribute to expenses, figuring out how to pay for college on your own becomes a whole different challenge. In this guide, I'll lay out everything you need to consider about how to pay forcollege without parents and all the steps you need to take. Table of Contents Fair warning: we're going to be talking abouta lotof stuff in this article. So here's a table of contents for you to use as a quick reference: Paying for College On Your Own: Why it Matters What Does College Even Cost? Minimizing Your College Costs: Instructions for Any Cost-Conscious Student Steps to Take if Your Parents Won't Pay What You Should Do if You're an Independent Student Closing the Gap: How to Cover Your Remaining Costs Creative Ways to Fund Your Education Example Scenarios What's Next? Paying for College on Your Own: Why It Matters The most significant sources of student financial aid are need-based. This means that family financial need is the main criterion taken into account when determining aid eligibility. Your finances are not considered separately from your family’s finances when aid sources determine financial need. This is the case even if your parents can't or won't help you pay for college. So why is it such a big deal if you can't count on your family to contribute to expenses? First, it's assumed that your parents are your family’s primary earners. As a student, you likely earn little to no money. If financial need were only based on a student applicant’s finances, everyone would be eligible for financial aid (spoiler art: not everyone is eligible for need-based financial aid). You’re considered a dependent of your parents, which means they’re the ones primarily responsible for funding your education. This is the case even if your parents don’t claim you as a dependent when they do your taxes. This is also true even if you can show that you’re self-sufficient and don’t depend on your parents for financial support, or if your parents are divorced. If families across the country could pay less for college by claiming that their kids are financially independent, financial aid sources would be overwhelmed. The conclusion here? Federal and school-based financial need arebased on your family’s overall finances. If your parents don’t submit their financial information for consideration, you won’t be eligible for most forms of aid. If they do submit their financial info and they’re low-need, you won’t be eligible for most forms of aid. You’d think that aid sources would have different aid eligibility criteria for students whose parents don’t want to pay for school, but this isn’t the case. If your parents refuse topay, the federal and institutional funding sources will likely wash their hands of the problem. This is a frustrating and unfair situation for any student to be in. You may feel you’re at a disadvantage here- and to be honest, you are. But whatever the reason that your parents won’t be contributing to your college education, there are steps you can take to maximize your aid eligibility. It won’t necessarily be as easy as paying for college with familial support, but it’s definitely not impossible. One of the best parts of going to college is the sense of freedom and independence that comes with adulthood. You have options and autonomy here as a young adult- so let’s get started figuring outhow to pay for college without parents. What Does College Even Cost? For the 2018-2019academic year, the average annual cost of tuition and fees was: $35,676at private colleges $9,716for state residents at public colleges $21,629for non-state residents at public colleges The cost of tuition and fees is usually the first expense that comes to mind when peoplethink about paying for college. Unfortunately, there’s a lot more to the picture than just tuition costs- there are hidden or implicit expenses associated with spending a year at college. Here are some of the biggest hidden costs you might encounter based on average amounts from 2018-2019: Room and board:averages $12,680at private 4-year colleges, $,140at public 4-year colleges College textbooks:about $1,240 Travel costs:vary widely based where you are and where you're going. For example, if you're going to anurban college, you might be able to take public transportation anywhere you want to go. But if you go to school across the country, you'll probably have to buy plane tickets to travel home over holidays or summer break. Lab fees and supplies:about $50 per class if they're not already rolled into fees Personal expenses:about $2,000,but this cost will fluctuate drastically based on a) the cost of living of your area, b) your budgeting skills, and c) your standard of living. Lumping together all of these expenses (especially if you can estimate travel costs and personal expenses) will give you a school’s real sticker price- also known as the Cost of Attendance, or CoA. It’s pretty easy to get an estimate of a school’s CoA- just google â€Å"[school name] cost of attendance.† To get a more detailed explanation of all these expenses, including tips and strategies for reducing costs, check our guide to what college will really cost you. Just a quick glance at these numbers will tell you that college is probably too expensive for you to cover on your own. What’s more important than sticker price, however, is your â€Å"net price† at a particular school:it’s what you pay after all financial aid is taken into account. This is what you actually oweout of pocketfor a year of college. Want to estimate your net price at almost any college? Just google â€Å"[school name] net price calculator.† Many schools have a tool built into their websites that will give you an estimate of how much you’ll pay out of pocket. These calculators take financial need and sometimes merit-based factors into account. Sometimes, though, the net price is still daunting, especially if you’ll be tackling it on your own. The rest of the post will be focusing on minimizing this net price, starting with smart college application strategies. Minimizing Your College Costs: Instructions for Any Cost-Conscious Student What do you do if you don't have access to a ton of resources? You try to minimize your costs from the start. If you’re applying to schools with price in mind, your strategy should focus on lowest net price, not necessarily lowest sticker price. Naturally, the best way to decrease your costs is to apply to schools that will offer you low netprices. Once you’ve been accepted to schools, you’ll receive official financial aid packages. You can then determine which packages you’re most comfortable with. Here are the types of schools that will give you the best deals. Top Private Schools A lot of well-ranked schools (including Ivy League universities and top liberal arts colleges) have especially generous financial policies. The bulk of financial aid at these schools tends to be need-based, not merit-based, so you may not get much aid if you come from a wealthy background. Notably, the Cost of Attendance (or sticker price) for these schools will likely be higher than those ofpublic schools. You might be wondering what constitutes a "wealthy" background according to these schools. Thevery top schools- think Harvard, Princeton, Yale- sometimes give aid to families who make $150,000 and up. For families who are wealthier than that, Harvard asks them to contribute no more than 10% of total income. The bottom line is that these competitive schools can even afford to help out families who are relatively well-off. This means that even if your parents don’t pay for school, you could still be eligible for generous aid based on your family’s financial situation. Schools That Offer Generous Merit-Based Aid If you’re a high-achieving student but don’t think you’ll qualify for much need-based aid based on your family’s finances, you should look into schools that offer generous merit scholarships. Schools with generous merit-based aid programs often offer scholarships to attract competitive students. If you have a particular talent (e.g. if you're an athlete or musician), or if you have high grades and test scores, you could be offered some pretty large scholarships. If you're interested in a particular school, just google "[school name] scholarships" to see what sort of aid they offer. You can also start bychecking our list of schools with the best financial aid. Public Schools Public colleges and universitiescan be reasonably priced for in-state studentsbut very expensive for out-of-state students. They also offer much less generous financial aid packages than some of the top private schools, although they may offer more merit-based aid to attract competitive applicants. if you’re interested in attending a public university and won’t be getting assistance from your parents, you should definitely apply to a wide range of in-state schools. Steps to Take If Your Parents Won't Pay Here's where we start getting intothe nitty-gritty steps ofpaying for your education. After strategically applying to schools, the most effective way to cover your college expenses is to apply for as much financial aid as possible. Even if your parents don’t want to contribute financially to your college education, there are ways that they can help make financial aid available to you. The bottom line is that more financial aidmeans a lower net price. Like I mentioned earlier, the main sources of financial aid are federal and institutional (i.e. aid from your school). You can still qualify for aid from these sources if your parents won't be paying for any part of your school expenses, but you’ll need your parents’ help in applying. Assuming you’re already using the college application strategies that I’ve discussed above, here are the steps you should take in order to maximize your aid eligibility: Step 1: Submit a FAFSA, or Free Application for Federal Student Aid This is the only application you'll need to submit to qualify for federal aid. Many schools also use the FAFSA to award their own aid. In order to qualify forthings like the Pell Grant, Perkins loan, or Direct Subsidized loan, you'll need to submit your parents' financial information even if they won't be contributing. For detailed instructions on submitting this application, check out our guide to applying for financial aid or ourguide to the FAFSA. Step 2: Apply for Scholarships You can receive funding for schools through private organizations that offer grants or scholarships. If your family is low-need, apply for merit-based awards;if your family is high-need, you can apply for both merit- and need-based awards. There are so many scholarship programs out there- national, local, big, small. You should do your own scholarship search by looking for awards that are tailored to your interests, background, location, and ethnicity. Start off by checking out our guides to top scholarships for high school juniors and seniors. Once you have a plan for submitting a FAFSA and applying for scholarships, you'll need to talk with your parent or guardians about getting the information you need from them. It's important to start an open dialogue about financial aid with your parents. How to Talk to Your Parents About Applying for Financial Aid If your parents can’t or won’t pay for college expenses, they may be wary about filling out a FAFSA or giving out financial information for need-based scholarships. It's important toassure them that submitting a complete FAFSA with their financial information does not obligate them to help you pay for college. The FAFSA has nothing to do with your bills or college expenses...it’s simply an aid application. Bottom line: if they refuse to help you with your FAFSA, they’re not protecting themselves. They’re just impeding you from qualifying for financial aid. What if, though, they're just overwhelmed by the process of completing and submitting a FAFSA? If this is the case, you can let them know that the FAFSA only takes 2-3 hours to complete. You could even do it on your own if you have your family's financial information handy: Social Security Numbers for you and your parents Alien Registration Numbers (if you or your parents aren't US citizens) Recent federal tax returns, W-2s, and other records or income for both you and your parents Any records of untaxed income The sooner you submit your FAFSA, the better, so don't put off having these discussions with your parents or guardians! What You Should Do If You're an Independent Student If you're classified as independent, you'll be doing things a little differently. If you’re still in high school, chances are that you are a dependent student, and everything I’ve written so far will apply to you. In other words, your family’s finances will be an important factor in determining how much aid you’re eligible for. But not all students who attend college will be considered dependents, and as such, they won’t need to submit their parents’ financial info for consideration when they fill out their FAFSA. Independent students don’t have to pay for college on their own. Parents canhelp if they’d like, but both colleges and the FDOE award aid under the assumption that independents will be paying their own way. This will work to your advantage when it comes to aid eligibility, particularly if your parents are relatively wealthy. If your family’s finances aren’t considered when schools and the federal government determine aid eligibility, you'll likely receive more need-based aid. Who Qualifies as an Independent? You may be considered independent if: You’ll be 24 or older by 12/31 of the school year for which you’re applying for aid You’ll be in school for a post-grad degree You’re married or separated (but not divorced) You have children who receive more than half of their financial support from you You have dependents (besides children or a spouse) who live with you and receive more than half of their financial support from you You were a ward/dependent of the court, in foster care, or both your parents were deceased at any point after you turned 13 You’re an emancipated minor or in a legal guardianship as determined by a court You’re an unaccompanied youth who is homeless, or self-supporting and at risk of being homeless You’re currently serving on active duty in the US armed forces for purposes other than training You’re a veteran of the US armed forces The FAFSA asks all necessary questions to determine independent/dependent student status, so just answer the prompts honestly when you fill out the application. What If You Don’t Meet the Above Criteria? If you don’t qualify as an independent student but strongly feel that your parents’ financial information shouldn’t be considered when you submit your FAFSA, you should look into a dependency override. A dependency overrideis when financial aid administrators change a student’s status from dependent to independent so that they aren’t required to submit parents’ financial info for consideration on the FAFSA. As a result, the student will likely qualify for much more need-based aid. Dependency overrides are very rare, though. 896rxwhat you think may count as an â€Å"unusual situation† may be discounted by federal financial aid administrators. Here are some situations that will not qualify for dependency overrides: Parents simply refuse to pay for any college expenses Parents are unwilling to provide any information on the FAFSA for verification Parents don’t claim you as a dependent for income tax purposes You (the student) demonstrate total financial self-sufficiency Here are some situations that MAY qualify for dependency overrides: An abusive family environment (e.g. sexual, physical, or mental abuse or other forms of domestic violence) Abandonment by parents Incarceration or institutionalization of both parents Parents lack the physical or mental capacity to raise a child Parents' whereabouts are unknown, or parents can’t be located Parents hospitalized for an extended period An unsuitable household (e.g. you’re removed from the household and placed in foster care) Your spouse dies, or you get divorced If any of these situations apply to you, you may need to present evidence or documentation to support your circumstances. Dependency overrides are decided on a case-by-case basis- if you think you might apply for one, you should read more about the process. Closing the Gap: How to Cover Your Remaining Costs You're almost at the finish line. At this point, you should have an idea of whether you're(1) high-need or low-need and (2) dependent or independent. You should also have an idea of the types of schools you'll apply to- for example, top private schools, in-state public schools, schools with generous merit aid, or some combination. After you submit your college applications, you’ll receive financial aid packages from schools with all the federal aid and school-based aid you’re eligible for, including grants, scholarships, and some federal loan options. You’ll decide what forms of aid you want to accept, and which ones you’d prefer not to take. Here, I'll briefly discuss the types of aid you may receive, and which types are better than other. Grants and Scholarships: These equate tofree money. You should acceptthis aid if it’s available to you. Loans: Loans are amounts of money that you have to pay back after you graduate, plus interest charges. Some loans are much better than others, meaning you'll end up paying less money in the long run. Federal loans are generally good options because they often have lower interest rates. There are a lot of important considerations if you're thinking about taking out loans, so it's important to educate yourself! Read more about federal loans like the Perkins, Direct Subsidized, and Direct Unsubsidized. You should also learn more about how to apply for student loans andreducingthe amount of student debt that you have to take on. Financial aid packages often build in a parental contribution based on family’s finances. If your parents won’t be contributing this amount, it becomes your responsibility...and they aren’t obligated to pay it. If you want to be able to register for classes and actually attend college, this amount needs to be covered. If grants and scholarships don’t cover all your college costs, it’ll be up to you to decide how much student debt you're comfortable with to close that gap. In the next section, I'll talk more about how to use student loans to cover your college expenses. Using Student Loans to Pay for School The average U.S. college graduate has about$37,000 in student debt after graduation. If you’re paying for college without the help of your parents, you may end up with more than the average amount of student debt, especially if you are responsible for paying the â€Å"parental contribution.† Student loans aren’t inherently bad, and you’re not a failure if you graduate with student debt (most people graduate with some loan debt). If you’re smart about the types of loans you take out, your debt should be pretty manageable over the long run. "Good" Loans Most federal loans are â€Å"good." They have low-interest rates compared to private loans and come with a built-in grace period (a period after you graduate where you don’t have to make payments). The best types of loans are subsidized, which means they don't accrue interestwhile you’re not making payments, so you owe less in the long run. They also may be forgivable if you enter certain public service careers, so they end up functioning as a grant. "Bad" Loans Private loans usually have less favorable terms than federal loans. For example, they won't be subsidized, and they'll likely come with higher interest rates. Typically, private loans are the last resort in covering any remaining balance that you owe for school. Private loans may be difficult for you to get on your own. Most require a cosigner, another person to sign the loan who takes responsibility for the amount borrowed. If you take out a private loan, then you'll probably need a parent or another family member (with good credit) to cosign. No Loans If you want to try to avoid debt, check out our guide on paying for college without taking on student loans. Without financial help from family members, however, it might be unrealistic in certain situations to try to pay for college without loans. Itmay be possible, though, for students who qualify for a lot of need-based aid. Creative Ways toPay for College Without Parents These ideas may not be revolutionary, but they'll get you thinking outside the box. We have talked a lot so far about the challenges of paying for college on your own, in addition to theways you can minimize your costs. In this section, I'll go over some more creative ways to come up with funds for college after you've looked into the normal financial aid and loan options. Scholarships I've briefly touched on scholarships a bit earlier in this post as a way to come up with funds.There are two main types of scholarships: Need-based: Good options for high-achieving, low-income students Merit-based: Good options for high-achieving students regardless of income Now, scholarships are never a sure bet, but they can cover a good chunk of your expenses if you areproactive about submitting applications and you do your own research about local or targeted scholarships. To get started, check out our scholarship guides on the top awards for high school juniors and seniors. Student Jobs If you get a student job while you're in college, you can potentially put moneytowards your bills for tuition, room, and board. You could also use your incometo cover yourdaily personal expenses. This isn't a great option for everyone, however. If you'reworking so much that your schoolwork starts to suffer, it defeats the purpose of getting a student job. If you canbalance a student job with your academic responsibilities so that you have money to put towards your bills, working might be a good call. Read more about whether it's a good idea to get a job as a student. You know what's even better than getting a job during the semester? Getting a paid internship during winterbreak or summer vacation. In this case, you get professional experience anda chance to put money towards school. It's a win-win! High School Savings If you’re currently in high school and anticipate that you’ll be on your own for college, you might want to consider getting a job now. This isn’t right for everyone (for the reasons I listed above), but if you have the time and the initiative, it could help you build up a nest egg before you head off to college. To get started, read more about the best jobs for teens. Family Support Sometimes support can come from unexpected places. If you're reading this article, your parents probably won't be contributing much to your college expenses. Butdo you have grandparents, aunts, or uncles who may be willing to help you out with college costs? If you feel comfortable bringing this up with family members, it may be a good move to seek financial help from people other than your parents.If you feel uncomfortable asking for funds outright, consider asking to borrow money and then paying it back with student job or post-graduation earnings. You can also ask for funds for college costsfor holidays and birthdays. Example Scenarios You've learned a lot, but now you have to put all this information to the test. This stuff may be confusing to understand at first, so in this section I'll present some example scenarios to demonstrate the concepts we've discussed how to pay for college on your own. These are real-world scenarios, using real schools, to give you a realistic idea of howcollege expenses play out in different situations. Scenario#1: Student From a Low-Income Family As youalready know, students from low-income families may be eligible for quite a few need-based aid programs, especially if they're relatively high-achieving. Student A Information State Residency: California Family Size: 5 Family Income: $50,000/year Academic Status: Strong 3.5 GPA, 1800 combined SAT score Student ACollege Applications Student A wants to tackle her college expenses by cutting costs and seeking out as much funding as possible. She applies to several schools, including an in-state public school (UC Irvine) and an out-of-state private school (Davidson College). Here's what her expenses would look like at UC Irvine and Davidson, based on both schools' financial aid calculators (remember, she has to have her parents fill out a FAFSA in order to be eligible for federal loans): School UC Irvine Davidson Total Cost of Attendance $32,102 $62,894 Estimated Grant Eligibility $22,031 $58,794 Estimated Net Price (Cost of Attendance minus Grants) $10,071 $4,100 Estimated Federal Loan Eligibility $5,500 $4,100 Estimated Out-of-Pocket Costs (Net Price minus Federal Loan Eligibility) $4,571 $0 Based on her estimated out-of-pocket costs, she thinks that Davidson College will be the more financially prudent choice. Still, she wants to work to minimize her federal student loan amount ($4,100). Here are steps she can take to help cover expenses: Get a student job.Student A would prefer not to work during the semester because she plans on being involved in many extracurricular activities. She can still work during summer and winter breaks, though. If she works full time for 10 weeks, bringing home $/hr, she could make $4,400 her freshman year. Amount Earned: $4,400 Apply for outside scholarships.If Student A receives outside scholarship money in addition to earning her own income, she could potentiallybring in more money than she'd spend her freshman year. I bet you didn't think it was possible to make money going to college!She starts by checking out our guide to scholarships for high school seniors. No scholarship is a sure thing, but applying to as many scholarships as possible (even small ones) will increase her chances of earning some money. Let's say that Student A wins a relatively small, $500 scholarship Amount Earned:$500 Student A decides she's able to make Davidson work. Here's a quick breakdown of how she's able to cover her estimated out-of-pocket costs: Estimated Out-of-Pocket Costs $4,100 Federal Loans - $0 (she chooses not to take loans) Scholarship Winnings - $500 Student Job Earnings - $4,400 Remaining Balance + $800 Amazingly, Student A walks away with $800 extra dollars her freshman year, even though she doesn't receive any financial support from her family. The vast majority of her expenses arecovered with need-based financial aid. This wouldn't have happened, however, if she didn't get into a school with a great financial aid program.It goes to show that one of the best things you can do toensure college affordability isto come to your college apps with a strong academic record. Scenario #2: Student from a RelativelyHigh-Income Family Students from high-income families may not qualify for much need-based financial aid (even if they're paying for college on their own), but that doesn't mean they can't get funding from other sources, especially if they have solid grades and test scores. Student B Information State Residency: AZ FamilySize: 4 Family Income: $100,000/year Academic Status: About average 3.0 GPA, 1500 combined SAT score Student B College Applications Like Student A, Student B wants to minimize his costs because he knows he'll be responsible for all college expenses. Heapplies to several schools, including an in-state public school (Arizona State University) and an out-of-state private school (Lesley University). Here's what his expenses would look like atArizona State University and Lesley, based on both schools' financial aid calculators: School ASU Lesley Total Cost of Attendance $27,260 $43,600 Estimated Grants from School $3,000 $8,000 Estimated Net Price (Cost of Attendance minus Grants) $24,260 $35,600 Estimated Federal Loan Eligibility $5,500 $5,500 Estimated Out-of-Pocket Costs (Net Price minus Federal Loan Eligibility) $18,760 $28,700 Based on expected out-of-pocket costs, he thinks ASU will be the less expensive choice. Still, he doesn't think he can come up with $18,760 per year (on top of the $5,500 in annual federal loans) while he's a full-time student. Here are the steps he can take to reduce his costs: Live at home. If he attends an in-state public school, and the school's close enough to his parents' home, he could save a pretty good chunk of change. At ASU, the cost of room and board comes to $10,400. If Student B lives (and eats) at home rent-free, he could deduct that amount from his out-of-pocket costs. He might end uppaying for some or all of his meals, and he might incur extra travel expenses to get to and from school. This could decrease the amount he actually saves. Maximum Amount Saved: $10,400 Apply for outside scholarships.Student B receives a $3,000 grant from ASU, but he knows that applying for outside scholarships could help get him more funding. He starts by checking out our guide to scholarships for high school seniors. It's free to apply for most legitimate scholarships programs, so he wouldn't lose any money bysubmitting applications. Maximum Amount Saved:Indefinite Let's say Student B is able to live at home for free but doesn't win any scholarships. He saves $10,400 of his original estimated out-of-pocket cost, $18,760. He still has to come up with $8,360 to fund his freshman year. Here are the steps he can take to cover his remaining cost: Get a student job. If Student B works an average of 8 hours a week over the course of the year and brings home $10/hr, he could make $4,160 his freshman year. This is a pretty conservative estimate since he could work full-time over the summer or on breaks. Amount Earned: $4,160 Take out private loans. After subtracting his job earnings from his costs, Student B still has to come up with $4,200 to cover his expenses for his freshman year. He decides to take out this amount in private student loans. He knows he'll have to pay this back after he graduates. Amount Earned: $4,200 Student B decides he's able to make ASU work. Here's a quick breakdown of how he's able to cover his Estimated Out-of-Pocket costs: Estimated Out-of-Pocket Costs $24,260 Federal Loans - $5,500 Living at Home Savings - $10,400 Scholarship Winnings - $0 Student Job Earnings - $4,160 Private Student Loans - $4,200 Remaining Balance $0 Now that you've seen how these cost-cutting and money saving tips work in action, you can go ahead and apply these concepts to your own college and financial aid applications. The above scenarios won't apply to everybody, but the thought processes demonstrated above definitely do. What's Next? If you're eager for more information, there are a ton of things you can learn about to help prepare yourself for upcoming bills and expenses. You might start by brushing up on federal financial aid, and programs like the Pell Grant and Perkins loans are key. The FAFSA is an important part of the federal aid process. If you're looking for a broader overview of concepts, you could read our guide to applying for financial aid. While you're at it, check out a list of colleges with the best financial aid programs. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Literature review of international teaching assistant issues in U.S Essay

Literature review of international teaching assistant issues in U.S. universities - Essay Example The International Teaching Assistant is a graduate student within the university whose job is to assist the professor in a given course. They have teaching duties including class preparation; they prepare quizzes; they may assist in writing examination questions for midterms and finals; they correct papers; they grade exams; and have office hours to tutor students in the class (ITA Handbook, February, 2005). It is beneficial for the U.S.A. students since they may not necessarily interact with other students beyond their ethnic group (Gravois, 2006; Academic Culture in the U.S.A. (ND)). Nathal (2005) states that, â€Å"In an ideal classroom, both the student and teacher would be enriched by the other’s cultural experiences. However; rather than being a seamless union, classrooms and labs have often become the sites of cultural collisions, marked by confusion over pronunciation, word usage and social customs†. The attitude of the American students, in general, is very negative. They claim that they do not understand the ITA and that the ITA does not understand them. This leads to communication problems to the extent that State Representative Bette Grande from Fargo, North Dakota proposed a bill â€Å"†¦to prod public institutions of higher education†¦Ã¢â‚¬ . Under her bill the students have the right to withdraw from a class without academic or financial penalty if the students complained in writing that her/his instructor did not â€Å"speak English clearly and with good pronunciation† (Gravois, April, 2005). Ms. Liu who flew from Shanghai, China to Fargo was on her way to begin a Ph.D. in communication at North Dakota State. She said that during the number of battery tests she was submitted to for language proficiency, she was treated equally compared to other incoming graduate students. It was ten days later that she felt out of place when she noticed

Review Essay Example | Topics and Well Written Essays - 500 words - 16

Review - Essay Example For example, while Mrs. Saunders is a very independent woman and a threat, Victoria is a child, who has no class and little effects  on the society. In the second act, although the class difference between the four women characters can be determined, it is not as widely as in the initial action. All women lie in the middle and lower-upper class in the economy classes, with minuscule differences in the hierarchy. As noted, Churchill attempts to analyze the position of women in the society and their empowerment (Churchill, 2013). In the year 1992, Los Angeles experienced the most destructive riots, which were characterized by excessive violence. This play was written to analyze the tension and problems that were the underlying factors behind the unrest. Some of these factors include racial tension, brutality by the police, and weak leadership in the urban centers. The play takes an empirical view of the events that led to the violence, including ethnic tensions, as well as tensions between people of different class. This play uses a historical analysis approach to ignite a combination of enlightening and meaningful basis that brings up painful and emotions. For example, the play refers to instances where people from different races blamed those of different races for their losses after the Rodney verdict. One congresswoman is shown to have fought very hard for people, arguing that she is seeking to make the Whitehouse understand the plight of the people who have been ignored through the riots (Twilight: Los Angeles. 1992, 2014). Carmen is portrayed as the most provocative of all the girls in a place located near a cigarette factory, such that a man would barely pass without having a glance at her. Carmen sings Habanera, which fascinates all young men present save for Don Joe. Before leaving, and Carmen provokes him by throwing flowers at him. Back in the factory, Carmen is blamed for a quarrel that the girls get into, and

Single Molecule Magnets and Single Chain Magnets Analysis

Single Molecule Magnets and Single Chain Magnets Analysis The structures and magnetic properties: molecular nanomagnets phenolic oxime complexes GUAN Shengyang Table of Contents (Jump to) 1 Introduction 1.1 Research background 1.2 Introduction to nanomagnets 1.2.1 Single molecule magnet 1.2.2 Single Chain magnet (magnetic nanowires) 1.3 Structure of phenolic oxime and complexes 2 Researches 2.1 Iron complex 2.2 Manganese complexes 2.3 Complex containing cobalt and sodium ions 2.4 Complex containing lanthanide 3 Conclusion 4 Bibliography Abstract The basic concepts needed to understand and model singlechain magnets will also be reviewed. 1 Introduction 1.1 Research background The researches on molecular nanomagnets began from 1990s, when the first single molecule magnet (SMM) [Mn12O12(O2CPh)16(H2O)4 was researched by Christougroup of University of Florida. [GS1]This mixed-valent manganese complex was found to have an abnormal high spin ground state of S=10[GS2] and highest blocking temperature (below which temperature could the nanomagnets show magnetic properties) in its family ([Mn12O12(O2CR)16(H2O)4], R = various). A large number of SMMs have been reported since then. These[GS3] kind of complexes display the classical property of magnetization hysteresis[GS4] and quantum properties of quantum tunnelling of the magnetization (QTM). These initial discoveries provide a molecular approach to nano-scale magnetism. Following investigation of single molecule magnets (SMMs) and single chain magnets (SCMs) explorers their potential applications in high-density information storage[GS5], quantum computing[GS6], magnetic refrigeration [GS7]and so on. However, to date, nanomagnets discovered have very low blocking temperature (TB). So it is very important to choose appropriate chelate ligands and corresponding metal centres to construct a proper complex with properties to improve blocking temperature (TB) for practical application. Phenolic oxime is a family of compounds with generic structure shown in Figure 1. The phenolate and oxime function groups could form intramolecular hydrogen bonding with its neighbour. These hydrogen bonding resulting in strong coordination effect on metal ions. Such property makes phenolic oxime a good extractant for copper[GS8] in mining industry. Detailed discussion of the phenolic oxime complex structure will be introduced in SECTION 1.3 . Figure 1 general structure of phenolic oxime In this review, knowledge of nanomagnets will be introduced firstly to provide an overview of this field. Then the structure and magnetic properties of compounds with phenolic oxime ligand will be introduced. New techniques applied in synthesis will also be included. It is hoped that this review could be used to assess the potential of phenolic oxime ligand in high performance nanomagnets. 1.2 Introduction to nanomagnets 1.2.1 Single molecule magnet It is helpful to describe the basic theory of SMM with an example. The first single molecule magnet (SMM) [Mn12O12(O2CCH3 )16(H2O) 4] 4H2O ·2CH3CO2H[GS9] was determined to have an S=10 ground spin state, which is contributed by the antiferromagnetic interactions between 4 MnIV ions and 8 MnIII ions[GS10]. However, not like normal size magnet, SMM shows slow magnetic relaxation below a characteristic blocking temperature. This phenomenon is explained by the exist of an energy barrier in reorientation process of magnetic moment. Sessoli et.al. confirmed there exists a relatively large zero-field splitting in this molecule by high-field EPR experiments with a CO2 far-infrared laser. This axial zero-field splitting leads to a splitting of the S=10 state into 21 levels: -10 , -9 , -8, -7, -6 , -5†¦0, 1, 2, 3†¦8, 9, 10. Each level is characterized by a spin projection quantum number ms, corresponding potential energy: †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦..(1) D:axial zero-field splitting parameter. In [Mn12O12(O2CCH3 )16(H2O) 4] 4H2O ·2CH3CO2H D=-0.5cm-1 Figure 2 Figure 1. PovRay representation of the core of[Mn12O12(O2CCH3 )16(H2O) 4] 4H2O ·2CH3CO2H, showing the relative positions of the MnIV ions (shaded circles), MnIII ions (solid circles), and  µ3-O2 bridges (open circles[GS11]). Figure 3: Plot of potential energy of different spin state versus magnetization direction From Figure 3, it could be known that the splitting of potential energy levels resulting in a potential energy barrier in the process of changing the magnetic moment. For the example SMM, this barrier equals to E(ms=0)-E(ms=à ¢Ã¢â‚¬ Ã¢â‚¬Å¡Ã‚ ±10à ¢Ã¢â‚¬ Ã¢â‚¬Å¡)=100D. Due to the small value of D, this barrier could be easily crossed in room temperature. If sample SMM is magnetized at 1.5K, the magnetic relaxation time becomes too long to measure. When fitted into Arrhenius relationship: †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦(2) The magnetic anisotropy of the SMM is caused by the structure of the eight MnIII ions. Each MnIII ion with in octahedral crystal shows Jahn–Teller distortion. These distortion[GS12] together with spin-orbital interaction give rise to the easy axis type of magnetoanisotropy. To conclude, a typical SMM consists of an inner magnetic core with a surrounding shell of organic ligands. The desired SMM requires well isolated system which exhibit high spin ground state (S) with a high magnetic anisotropy of the easy-axis (Ising) type. The difficulty is: high spin ground state often requests for several nucleuses, but the magnetic orientation of each nuclei tends to obey Maximum Entropy Models. In this way, the highest magnetoanisotropy of a molecule couldn’t be achieved easily. Some researches show that replacing magnetic core with lanthanide[GS13] ions or using single nuclearity spincluster [GS14]could avoid this problem. Their approaches will be discussed in SECTION 2. 1.2.2 Single Chain magnet (magnetic nanowires) While clusters of SMM can be considered as zero dimensional material, it is possible that one dimensional materials such as nanowires exhibit slow magnetic relaxation and hysteresis effects which are not associated with three-dimensional (3D) order. At 1963, Glauber[GS15] predicted one dimension Ising model (easy axial) would show magnetization relaxation under low temperature. Due to insufficient knowledge in this area and stringent conditions required in the synthesis procedure, chemist wasn’t be able to find any evidences to support or against the prediction, until Gatteschi et al successfully synthesis [Co(hfac)2(NITPhOMe[GS16])] in 2001. Figure 4 Structure of NITPhOMe=4†²-methoxy-phenyl-4,4,5,5-tetramethylimidazoline-1-oxyl-3-oxide Figure 5 Drawing of unit cell of[Co(hfac)2(NITPhOMe)2]. Large dark spheres represent the metal ions. Hydrogen, fluorine, and most of the methyl carbon atoms have been omitted for clarity The structure of the SCM consists of Co(hfac)2 and radicals arranged in helices alternately( Figure 5). In this one dimensional structure, the magnetic core (octahedral cobalt(II) centres) has overall S=1/2 and shows easy axis of magnetization in the chain direction[SG17]. Detailed analysis of spectrums could be found in Caneschi’s report in 2001. To conclude, three essential conditions are need for design SCMs: 1) the ratio of the interaction and interactions is very large. 2) the material must behave as a 1D Ising ferro- or ferrimagnet. This requires the building block or the core of the chain have large ground state spin. 3) the interchain interactions should be minimized to avoid the magnetism of the material be associated with three-dimensional (3D) order. This final condition also apply for SMMs. 1.3 Structure of phenolic oxime and complexes Metal complexes with a planar, electronically delocalized structure have proven particularly attractive for development of cooperative electronic properties because of the strong molecule–molecule interactions that can arise from Ï€-stacking of the planar units 2 Researches 2.1 3d nanomagnet Many 3d nanomagnets have been synthesized and researched on since the first SMM was discovered. f hexanuclear MnIII SMMs based on the complex [MnIII6O2(sao)6(O2CH)2(EtOH)4](saoH2=salicylaldoxime[GS18])9-12 Spin Switching via Targeted Structural Distortion 2.2 Iron complex Variation of alkyl groups on the ligand fromt-octyl ton-propyl enabled electronic isolation of the complexes in the crystal structures of M(L1)2contrasting with Ï€-stacking interactions for M(L2)2(M = Ni, Cu). This was evidenced by a one-dimensional antiferromagnetic chain for Cu(L2)2but ideal paramagnetic behaviour for Cu(L1)2down to 1.8 K. 2.3 Complex containing cobalt and sodium ions 2.4 Complex containing lanthanide Although many magnetic transition metal complexes have been synthesised, the temperature required for transition metal complex to exhibit magnetization relaxation (i.e. blocking temperature) is too low. Hence lanthanide metals were introduced to the complex to increase the blocking temperature. 4 Bibliography [GS1]R. Sessoli, H.-L. Tsai, A.R. Schake, S. Wang,  J.B. Vincent, K. Folting, D. Gatteschi, G. Christou,  and D.N. Hendrickson, J. Am. Chem. Soc. 115  (1993) p. 1804. Sessoli, R.; Tsai, H.-L.; Schake, A.R.; Wang, S.; Vincent, J.B.; Folting, K.; Gatteschi, D.; Christou, G.; Hendrickson, D.N.J. Am. Chem. Soc.1993, 115, 1804-1816.  [GS2]à ¥Ã‚ Ã…’à ¤Ã‚ ¸Ã…  Ãƒ ¦-†¡ [GS3]Resonant magnetization tunnelling in the half-integer-spin single-molecule magnet [PPh4][Mn12O12(O2CEt)16(H2O)4] â€Å"Spin Tweaking† of a High-Spin Molecule: An Mn25Single-Molecule Magnet with anS=61/2 Ground State New Routes to Polymetallic Clusters: Fluoride-Based Tri-, Deca-, and Hexaicosametallic MnIIIClusters and their Magnetic Properties Molecular Cube of ReIIand MnIIThat Exhibits Single-Molecule Magnetism Syntheses, structures and single-molecule magnetic behaviors of two dicubane Mn4complexes [GS4]Macroscopic Measurement of Resonant Magnetization Tunneling in High-Spin Molecules

Kfc Markting Essay

Frame work: In Macro environment there are many factors that will effect the decision making in any organisation. To overcome and analyse these factors organisation can categories it in to PESTLE model which is considered as below. The macro-environmental or external factors of KFC can be identified by using PESTLE analysis which stands for Political, Economic, Social, Technology, Legal and Environmental. Political factors: This factor mainly deals with the government policies and procedures which is worked out through legislation and consists of all legal factors such as How stable is the political environment? Government position on market ethics Government view on culture and religion Government policy on Economy Taxation policy on tax rates and incentives These are some of the political factors that include legal issues, government implementations and define both the formal and informal rules under which the organization must be operated. Economic factor: KFC organization is affected with national and global economic factors such as Cost of labour, Interest and Inflation rates, Economic growth rates, Business cycle stage (e. g. recession, recovery) and Unemployment rates. Due to recession the income of the KFC has consistently dropped down and most of the employees were jobless and the rest employees were employed for very few hours also the organisation had to cut down their budget. Social factor: It includes the cultural and demographic aspects of the external macro environment. The potential of the employees who come from different back grounds and work together in the KFC and customer trends and aspect which the KFC has to consider as per their needs and wants of the customer such as changes in lifestyles, Level of education, Value in society, Demographics (age, sex, race etc. ,) and Change in consumer needs and wants. The U. K people are mostly dependent of the fast food centres as they find very busy with their schedules. Technological factor: This factor is the major driver of globalization which reduces the minimum efficient of production levels and some of the technological factors are recent technological developments, Rate of technology changes, Alternative way of providing services, New discoveries, Communication technology. The technology has now become the most important aspect in KFC as when the customers are mostly delighted and satisfied with service including latest technology that is available in the KFC. The latest Technological methods that are used to serve the customer faster are such as digital screens, wireless headphones for the staff, cooking utensils. Legal factor: The KFC has to maintain the rules and regulations related to the hygiene factors such as like employee proper training regarding the food and safety, personal hygiene, clean work environment and proper use of the utensils. This also deals with the legal environment in which the firms operate like the U. K has come up with the introduction of age discrimination legislation and increase in the minimum wage and greater requirement of recycles. When speaking about the hygiene it’s a very true example were KFC had to bare the high penalty because of failing in maintaining food hygiene. A Kentucky Fried Chicken restaurant at the Hernston Business Park in Bridgend has been fined a record ? 24,000 plus costs of ? 2,000 after pleading guilty at Bridgend Magistrates Court to multiple food hygiene offences – the largest penalty handed out to date for such offences in Bridgend County Borough. Bridgend County Borough Council brought two prosecutions against KFC (GB) Lt d resulting from inspections completed by the Public Protection team on 25 September 2005 and 22 May 2006. † Ref: http://www. bridgend. gov. k/web/groups/public/documents/press_release/018326. hcsp http://www. oup. com/uk/orc/bin/9780199296378/01student/additional/page_12. htm Environment factor: KFC by considering the environmental factor has proved to be quite friendly towards environment where it uses the paper material for the food and services carrying instead of plastic to help in reducing the global warming though it cost very high for the organisation to adopt paper materials such as paper plates, paper boxes for food parcel, glasses and cups etc. 3. The Swot Matrix The SWOT analysis is an extremely useful tool for understanding and decision making for all sorts of situation in KFC organisation. The SWOT is acronym for Strengths, Weakness, Opportunities, Threats. SWOT provides a good frame work for reviewing stratergy, position and direction of a company or business pr oposition. Need an essay? You can buy essay help from us today!

The Start of Personal Reflection Paper

The Start of Personal Reflection Paper The fine component of experiencing a family that's divided in how they practice religion is they are tolerant of different religions. It's always important to consider different people's ideas and opinions since there is always room for improvement. It isn't difficult to write because you simply have to express your thoughts and the way you see things. All the thought should be quite structured and clear. Simply speaking, the service exists, so should you want to use it in order to find a top essay, that's reason enough. To make sure that you will write the most suitable kind of essay, it is likewise important you know what it isn't. It may be difficult to compose a sort of essay for the very first time. So as to compose a self reflective essay, there is not any sum of research needed. If you chance to be in college, the range of essays you're expected to produce is increased. It's crucial that the service you select knows for sure they're only employing the very best essay writers. Employing a writing service is the perfect method to have a well-written essay to use as a guideline to make sure the essays you write are hitting each of the crucial points and are at the appropriate depth necessary for your academic grade. Discuss new strengths and weaknesses in regard to the experience you've gained. Personality is extremely important to the success of entrepreneur. The assertiveness is strength with what I would have the ability to sell the company idea to prospective clients. The body may also be a narrative. It may be better and faster to find online help with academic assignments of any sort from the superior group of authors. There's no particular format in the feeling that you should choose what things to write and the way to write it. A good example of my personal meditative growth has arrived from everyday living for a freshman. Allow the reader understand your experience clearly and the effect it might have in future. Express how useful is the wisdom and experience gained will be helpful in future. Now you must leave a particular image and experience. What Personal Reflection Paper Is - and What it Is Not An individual should have some fantastic writing and critical thinking abilities. Reflective essays are personal parts of the writer that they've translated into words. Your story ought to have an ending and it ought to be brilliant, and we are well conscious of it. Apart from writing in general is hard for most people, it is going to be harder if you don't understand what you have to write. Facts, Fiction and Personal Reflection Paper You must use your critical thinking to be able to recognize the issue or issue and understand h ow to produce a solution. You don't ever want to shed the major point of your essay or any body of work for this matter. The most important body is typically composed of three principal points spread over three paragraphs. Thus, after answering the aforementioned questions, be certain to write down all your answers. The Pain of Personal Reflection Paper On-line sales and marketing and advertising businesses will entail ability to cope with complexities. After you locate a service you prefer, don't neglect to look at my review of it. Marketing is extremely crucial to a small business. On-line sales marketing is information based company. A self-reflection paper differs greatly from the majority of other academic papers you're assigned. The report includes the in depth instructions about how to compose a reflective paper. The papers are lots more difficult to write. Reflection papers are a breeze to write as soon as you get the hang of it. Up in Arms About Personal Refle ction Paper? Your writing skills have a potent effect on your life. Throughout your reflection, you should earn a case for the way the experience has stimulated your private growth. Ease comfort is focused more on the surroundings and mental state of the individual. Ultimately, transcendence comfort comes every time a patient can rise above challenges that take place in care and recovery.

The Street By Anne Petry - 929 Words

Women have always been considered a minority in our society. They have always been seen as the inferior population. Throw the race card in the mix and it makes matters way worse. Anne Petry’s â€Å"The Street† took place in Harlem in the 1940s. In that time, Harlem was full of violence, poverty, and racial conflict. â€Å"The Street† is about Lutie Johnson and her struggles to achieve success for her and her son Bub. Lutie is a black woman who desires more than what she had to settle for in the past. She wants this for her and her son. Lutie is portrayed as a â€Å"classy† woman but she is very impressionable. She has goals set in her head and willing to do anything to reach those goals. Lutie embarks on this new life with Bub in a bad apartment building in Harlem where she meets very questionable characters. These characters â€Å"show a critical sensitivity to woman as spectacle, as a body to be looked at and made the object of male sexual desire and exploitation.† This whole novel is about the sexual exploitation of Lutie Johnson. Lutie is a vulnerable and beautiful woman that men want to take advantage of. She is looked at as a piece of meat that can be easily obtainable. In the novel, Petry also includes a female character, Mrs. Hedges, to show readers that not only men ridicule women but women do also. Three characters stand out from the story that objectifies Lutie and women in general. They are the super of the apartment building Lutie is living in, Jones, the lady who also lives inShow MoreRelatedNew Coke Failure3901 Words   |  16 PagesThe Failure of New Coke Wright State University MKT 3500 - 01 Marketing Research By Nicole Fore Taylor Gilliam Ashley Hatton John Petry Abstract During the 1980’s Coca-Cola was faced with a potentially company killing problem. They were losing market share quickly to their competitors. Pepsi was stealing a portion of the younger generation with their advertising campaign, and they proved that consumers liked Pepsi better with the â€Å"Pepsi Challenge.† To combat their falling market shareRead MoreIncome Taxation Solutions Manual 1 300300 Words   |  1202 PagesAlberta in the current calendar year. 4. A Manitoba corporation is controlled and managed by its British parent corporation. 5. A Canadian individual, who is a student at the University of Saskatchewan, earns income during the summer by operating a street-vending unit in Boulder, Colorado. 6. An individual has been employed in Canada by a large Canadian corporation. He accepts    a    transfer    to    manage,    on    a    permanent    basis,    the    corporation’s    operations    in    Denver, Colorado. He